Smart Beta vs Dumb Beta … Which is Better? A Discussion About ETFs

Is your ETF employing the best strategies for this market?

This week we discuss ETFs and why you should consider them for your portfolio.

We discuss the difference between mutual funds and ETFs, active and passive ETF strategies, Smart Beta, ex-out indexing, quant strategies, gold, and more. 


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Will Rhind

Will Rhind is the Founder and CEO of GraniteShares, a New York City-based ETF issuer that seeks to launch innovative and disruptive investments. Will is an established ETF entrepreneur with more than 20 years of experience in the industry. Prior to founding GraniteShares, he served as the CEO of the world's largest gold ETF owned by the World Gold Council. He was also a senior executive at ETF Securities from 2007 to 2013 as well as a principal at iShares and one of the original team members in Europe.

Will spends his time outside of GraniteShares with his wife and three children. He’s on the Board of Directors of the Bath University Foundation, has a passion for classic cars, Manchester United, and travel – especially back to his roots in Aberdeen, Scotland, “The Granite City.”

Will's Online Presence:


Today's Panelists

Social Security Benefits: What You Need To Know About Maximizing Your Benefits

Are you trying to maximize your social security benefits? 

Confused by the complexity of when to apply?

Looking for someone to make it easy?

This week we interview a social security expert, Devin Carroll about the best practices, helpful tips and tools you can use to optimize your social security benefits.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Panelists

The 5 F’s of Financial Fraud

The 5 F's of Finance discusses financial fraud, why it happens, how to protect yourself against it, why smart people are more susceptible to it and more.

The best part about this episode is literally the day we recorded it I got an email that hit all 5 Fs on their first outreach. It was priceless. Most frauds are easy to spot to the trained eye and the diligent investor.

This special episode is the start of a series we are doing on financial fraud.

This is a must listen episode...


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest: Stan Haithcock

Stan The Annuity Man is America’s top independent agent & annuity educator.  He is licensed in all 50 states, has published 7 books on the subject, and has written over 400 articles on the controversial annuity topic.  Known as “the walking middle finger of annuity truth”, Stan only focuses on the contractually guaranteed transfer of risk benefits that annuities can provide.  He has offices in Ponte Vedra Beach & Las Vegas, and has over 3 decades of experience in the financial services industry.

Stan's Online Presence:


Today's Panelists

Are Generation 4 Nuclear Reactors The Holy Grail of Energy? Mark Schneider Explains What We Don’t Know About This Secret Trend

This week we discuss the best trend you have never heard of... Generation 4 Nuclear Reactors 

Think about all the problems you think you know about nuclear energy... Those are all solved with generation 4 nuclear reactors. 

This week we talk with the leading expert in nuclear energy who has the ear of both political parties. Big changes are afoot. Find out how you can participate in the trend.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest: Mark Schneider

Mark Schneider is a nuclear futurist and a leading expert in emerging Gen IV Nuclear. He has a Bachelors Degree in Nuclear Engineering Technology and has spent 20 years working with advanced, small-scale reactors within the US Naval Nuclear Power Program.

Mark dedicates himself to educating the public about the implications of Gen IV nuclear technology. 

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Today's Panelists

The Wealthy Gardner Interview with John Soforic

Looking to create $20,000 a month in passive income?

We interview the Wealthy Gardener, John Soforic, about how he turned his humble beginnings into a strong passive cash flow, retired at 49 years old and why he has decided to teach others his secrets.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  John Soforic

John Soforic (so-4-ic) achieved financial freedom at 49, retired and then wrote a book for his son called The Wealthy Gardener: Lessons on Prosperity between Father and Son. The book sold 50,000 copies in its first year, became an Amazon bestseller, was translated into three foreign languages, and was recently bought by Penguin.

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Book References:


Today's Panelists

Learn How Your Company’s Financial Wellness and 401k Plan Can Make Your Life Better

Does your employer love you? 

Find out why financial wellness plan are essential to employee productivity, happiness and reducing stress... Yet most employers don't have them. Want to know why?

This week we discuss financial wellness plans, 401k plans, and George's podcast, Money Savage. This is a great interview with one of the industry's famous podcast hosts.


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  George Grombacher

I'm a former Division 1 scholarship athlete in tennis.  I serve on the Foundation Board for Goodwill of Central and Northern Arizona, the Phoenix Police Department's Citizen Review Board and I'm the President of the Phoenix Alumni Chapter of Sigma Chi. 

I'm the President of Financial Consulting Professionals and the Founder and Chief Community Officer of Money Alignment Academy. 

I've been named to Investopedia's list of the Top 100 Most Influential Financial Advisors.  

I'm the host of the Money Savage podcast and the cohost of the Figure it Out podcast.  

Emilie is my wife and James and Jack are my boys.

George Online Presence:


Today's Panelists

Real Estate Note Investing With Penni Zelinkoff – Learn How To Invest In Real Estate Without The Headaches

Are you looking to invest in real estate? 

How would you like to invest in real estate without fixing toilets, roofs, dealing with tenants or contractors? Sound too good to be true? Its not. Learn how some of the expert real estate investors invest in real estate with less risk and less stress.

Investing Outside of the Box – Real Estate Note Investing Made Easy

BY PENNI Z (ZELINKOFF) / MAY 1, 2020 / INVESTOR

Did you know that there is an estimated “76% of American’s that are worried they won’t have enough to retire” according to a Forbes Article, April 2019.  Fast forward to May 2020 and the market has shifted and is no longer the strong economic market it was 2 months ago and we are now wondering what the “new” future will hold, will we have a job, stressed about the stock market’s volatility and how will the real estate market fair post pandemic? 

What would it look like if you could make money in an up or down market and not worry about the “market”?   I would love to say something is recession proof, yet we can’t guarantee anything in life, yet this concept could be very close.    The one thing I have learned in Real Estate over my 20 years of experience, is in a good market or a down market real estate investors always need money.

So, what would it look like if you could achieve a higher rate of return faster than traditional investing (5-7%) or savings account at (0-1.5%) annual rate?  What would it look like if you created cash flow, build wealth and had the option to “retire” earlier and without the financial stress? 

What would that look like?

What would it look like if you had an investment strategy that not only helped you achieve your financial goals it helped other entrepreneurs/business owners achieve their financial and retirement goals too.  Wow, what would that look like, feel like?!   A WIN WIN WIN!

There will be fall-out from Covid 19, that’s reality you don’t shut down the world and expect it to be normal, yet I’m optimistic and there will be a lot of new and existing opportunities that will arise from this experience, there always is – the key is to be ready.

Anticipating the shift in the real estate market is real, I have been in real estate for 20 years and every 7-10 years there is a shift, we just don’t’ know when and by how much.  This time we know when, it’s now!  The real question is by how much?   Well that will show itself soon.  Being on multiple calls with expert investors, financial advisors and bank representatives they all have said they believe that within the year or less it will turn towards a buyer’s market. 

So when people ask an agent, “how is the market” no matter what kind of market it is they always say “good”.  Why because you can buy and sell property and make money in any type of market and for real estate investors it’s preferable and generally easier to buy and build a portfolio in a lower priced buyers market.  The key is to have access to cash and/or credit lines/lending.   Yet as we know, in years with a down economy those are two areas that generally tighten up; Money and Lending.

A little history, for over a century we have been taught to invest our money in the stock market in various ways; stocks, bonds, futures, currency and mutual funds inside or outside our retirement accounts.  Yet after all that “investing” year over year American’s are still worried about their retirement and money concerns.  And if what goes up must come down, then there will always be an economic cycle so why not think differently!

Even with the U.S. economy rounding into shape, 65 percent of Americans say they lose sleep over financial concerns, according to a survey by CreditCards.com. That’s just four percentage points fewer than the share of Americans who had money-related insomnia back in 2009, when the economy was a hot mess.  In 2007, just prior to the Great Recession, 56 percent of Americans was losing sleep over financial worries, with the figure shooting up to 69 percent in 2009.”

BY ANNA ROBATON, APRIL 20, 2017 / 12:01 AM / MONEYWATCH

I Challenge you to NOT be a part of the above Statistics.

The above article was written during a strong economy, I’m curious how people are feeling today and how this statistical number has been affected?  And yet because I’ve been here before; past behavior predicts future behavior, what goes up comes down and history repeats itself; this time I’m prepared and I want you to be as well. 

We are taught to diversify our portfolio, you maybe diversified yet are still under one overall umbrella - Wall Street; mutual funds, stocks, bonds etc all tied to the stock market.  If you are a savvy investor you have already or are willing to diversify your money into other investment tools like real estate.

 

For those of you who manage your own investment portfolio and are doing well, that is great, I challenge you to look into diversifying even more!  For those that have money invested and someone else manages your account(s), which is Most Americans, you probably have no idea what you are invested in, how much your annual rate of return is on your money and have no idea the amount you are charged in fees associated with your account(s).   If you don’t know the answer to these simple questions you should, go ask your financial planner today.  And then have a second opinion, have someone else (independent) look at your portfolio from a financial “advisor” perspective to verify the facts.  Then call me and let’s talk.

A special side note here:  Women I challenge you to be bold and take charge of your money - we have been overlooked in financial management, investing education and money mentorship for decades.  Now is your time!  We typically don’t have the “Money talk” and are afraid to ask questions, or we get answers like don’t worry everything is taken care of, you are making money don’t worry or…. 

It stops here!!  Ladies we Need to take our power back, educate ourselves and

Have a Voice and a Choice in our Financial Freedom.

It’s my opinion as well as other industry experts and financial advisors that I have spoken with that the real winners making money on our money is not us, it’s the institutions who manage our money.  The financial experts say that on average an American who has their investments in a retirement account over the course of its lifetime with the up and down markets make an average of only 5-7% interest on their money over time and that doesn’t take into account inflation and taxes.   No wonder we are all stressed about retirement and when we get there have less than we thought we would.

Take a look at today’s numbers for interest rates dated April 2020:

Traditional Investments: As of April 2020

            Checking/Savings Account 0-1.50% apy

            CD at Bank/Credit Union .25-1.65% apy

            Money Market 0-1.80% apy

            Stocks – vary average 5-7% average over time

            Bonds – vary average 5-7% average over time

            Retirement account 401k, Roth 5-7% average over time

Be Empowered:  knowledge, mindset, mentorship and making forward thinking investment decisions that create results is empowerment!  I want you to want to look outside the traditional investing box, outside the way we have always been taught to invest to a NEW World:

It’s a New Era, a New World, perhaps a Better World, A New Way of investing.

If we Know Better, we Think Better, we Do Better. – Penni Z

 “To understand what this means, consider an investor who was unlucky enough to invest a lump sum in the stock market on the exact day of that October 2007 high. Provided he or she had the intestinal fortitude to stay with the investment through thick and thin, and reinvest all dividends along the way, the investor would now be in the black.”

How long did it take?   This unlucky investor was under water for four and one-half years.

By: MARKHULBERT, COLUMNIST, MarketWatch

Instead of losing money for 4 ½ years during a down turn or any time really – if you had the availability to make money during this time at an annual average rate of return between 8-15%, what would you chose?  Lose money or make money – I’m choosing to make money!!

Individuals around in 2008-2010 were most likely financially affected by the crash.   The economy is having another shift and we now face another down turn that could be worse than 2008.  If you were younger than 30 in 2008 you may not have experienced a direct effect though you saw the effects of  the downturn of 2008 and now not only are your parents/grandparents/friends facing another down turn in their life-time SO are YOU.   Article from bigger pockets on outlook:  (biggerpockets article:)  https://www.biggerpockets.com/blog/5-reasons-2020-recession-completely-2008?utm_source=newsletter

Now, I’m not a doom and gloom kind of person, and I’m not here to say investing the traditional way is wrong, I am here to challenge your thinking as an optimist, a realist, a real estate investor and Secured Asset Lender and to say there is another way to invest!  It’s the perfect time to do something different and shift from the same old “traditional” way of investing.   It’s ok to change your mindset and pivot your investing strategies.  It’s easier than you think!

 

Take Action - Take Control

of your investing, your money, your results and your future!!

For those savvy investors who day trade, keep up with the stock market, economic indicators and help their financial planner manage your money this program works great for you because you like to DIY and be involved on the ground floor.  For those less DIYers and more DIFM, (do it for me) personalities it is absolutely worth having a conversation of what that looks like for you and your options for adding Secured Asset Investing to your portfolio.

Secured Asset Investing gives you the POWER to be in control of your money.  The appeal to this type of investment is that you can be any age, you can live anywhere, invest any time and anywhere in the US.  By having various money sources available to use you can create the return you desire and the lifestyle you deserve.  Once you learn the how to of Secured Asset Investing it is simple.  With Secured Asset Investing you can create a higher average rate of return than “old” traditional investing strategy, without the stress of “watching the market”.   There are two basic types of investing short term (1-12 months) or for those Set it and Forget it types there is longer term investing (12-84 months)  Risk is minimized and management buy strategy, boundaries and evaluation just like other type of investing.  And the great benefit is you secure your money (your asset) to a real estate asset with a secured note.   Once you learn and understand the dynamics of Secured Asset Investing you will see there is much more upside than downside.

Why is Secured Asset Investing a viable investment strategy with plenty of upside in Today’s market and the future?  It’s a relationship investment model where one person with money connects with one real estate investor in need of money on one investment property.  Rinse and Repeat.

One to One to One – Transactional Secured Asset Investing

As we know in a down market money supply tightens, fewer lending options are available to real estate investors and yet real estate investors will still need access to cash to continue to run their business.   Why not build a portfolio of result oriented investment options through lending on real estate transactions.   

What if you took a reasonable percentage of your money from a saving account, investment account, retirement account, whole life insurance, inheritance, capital earned from your business and invested in

Secured Asset Investing - what would that look like to your bottom line?

Secured Asset Investing is a way to be involved in real estate without owning any property, managing any rentals, coordinating any fix and flip projects, negotiating with sub-contractors or working with other industry personnel: 

  1. You are in control
  2. You chose the investments
  3. Negotiable Return on Investment (ROI)
  4. Multiple exit strategies for a Win Win – low risk structured investment
  5. Large group of investors to chose from
  6. Access to real estate investors in an up or down market (investors always need money)
  7. Money is secured by real estate
  8. Stay local or go national
  9. Sit back, relax and collect a check

You may ask why would a real estate investor use an individual investor/lender instead of a traditional lender?  Great question, for many reasons:

  • Property does not qualify for traditional lending
  • Real Estate investor does not qualify for traditional lending (self employed, other)
  • Traditional lenders do not like to fund fix n flips
  • The “deal” doesn’t fit traditional lending guidelines
  • After a certain number of “investment” properties the traditional lenders may not loan to an investor
  • Guidelines have changed in traditional lending and money tightens
  • Build relationships for multiple investment transactions
  • More flexibility on amount of loan, timing on funding, letter of approval
  • Quick Close
  • Less red tape
  • Real Estate investors are in business to make money and they understand there will be a higher rate to have this type of loan

What would it look like for you, your family, your future, your lifestyle, your retirement?

CREATE CASH FLOW

BUILD WEALTH - QUICKER

HIGHER RATE OF RETURN

PASSIVE INCOME BUSINESS

FLEXIBLE LIFESTYLE

MORE FREEDOM

RETIRE SOONER

FAMILY TIME

Here is what an average rate of return could look like as a Secured Asset Investor:

This real estate investor is a Landlord who has been in business for 5 yrs and has 20 properties.  He has a strong track record, has references and success with high occupancy rate, solid rent pricing and management of his business and rental portfolio.  He is looking for $100k loan for 5 yrs to purchase a duplex the terms are 5 yr loan, 10%, 2% points of loan and $1000 admin fee.  The Secured Asset Investor is the “bank” yes the bank with a note, mortgage and is in 1st position with a recorded deed.  There are very strong arguments why it’s good to be the “bank”.  Learning to Lend is a profitable investment strategy – let’s look at the banks and mortgage companies and how much money they make on their “lending” business:

Traditional Mortgage Company:

30 year fix rate at 4% (today’s average interest rate) on $100,000 loan will make $71,870 over the 30 years, now multiple that by tens of thousands.  Not a bad day at the office.

Back to our “example” of being the bank:

Rental Purchase Example:      (Real Estate Investor working with a Secured Asset Investor)

Loan $100,000, 10% interest, 5 yr term (secured asset lender receives interest, points, admin fee and original principle back)

Payment is $833.33 to the lender, annual income is $10,000 - 5 year income is $50,000

Lender received at closing the 2% points or $2,000 and $1,000 admin fee

Total Amount earned on $100,000 loan for 5 years is:   $53,000 vs. traditional investing

Example of traditional investing, if you kept your money in a CD at the bank or invested in the market, this is what you may have made on $100,000:

$100K 5 yr CD at 1.65%                         $ 8,250

$100k 5 yr retirement 5%                       $27,628

$100K 5 yr as Secured Asset Investor     $53,000

If you main decision right now was to determine if you are a DIYer or DIFM person after having a Free Business Strategy conversation with us how hard would that be?  For more information, learn about our training programs and to speak with us at Penniwize:  email or text your full name, email address, phone number with SAI in subject to:  zteam@penniwize.com or text 702-518-5590

The materials and information shared by Penni Zelinkoff and/or Penni wiZe Empowerment Network LLC or Penniwize (collectively, “PW”) is not and should not be considered financial, investment, legal, or other professional advice. Instead, said materials and information are intended as an overview for educational and training purposes. PW’s blog, website, newsletter, presentation materials, and/or any other forms of communication may contain general information about legal, financial, investment and related matters. Additionally, in the event that third party information is included or presented within the scope of PW’s blog, website, newsletter, presentation materials, and/or any other form of communication presented by PW, such inclusion or presentation does not reflect the opinions of PW. In all cases, said information is not being delivered as professional advice and should not be treated as legal, financial, investment, or other professional advice. You must not rely on the information on this website as an alternative to professional advice from your attorney, financial or investment advisor, or other professional services provider. If you have any specific questions about any matter you should consult with the appropriate legal, financial, or other professional services provider.

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Listen on
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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest: Penni Zelincoff

Penni is a real estate investor, real estate lender and wealth empowerment educator. For over 18+ years she has built an extensive network of investors and real estate professionals. She is now teaching her proven formula for building wealth to the general public.

She is the CEO and Founder of di-veZt and The Penni Z Show. Our mission is to help a million lives – by empowering our clients to have a Voice and Choice in their financial freedom.

Penni trains her clients to minimize the roller-coaster ride that so many have experienced in life around finances. She believes that personal, professional and financial stability go hand in hand. She’s passionate about sharing her training and mentoring program with you. This opportunity to learn a very effective way to create cash flow and build wealth is powerful – it’s called “Secured Asset Lending”.

Penni's Online Presence:


Today's Panelists

The CARES Act Simplified – Everything You Need To Know In Easy To Follow Terminology

Have you heard of the CARES Act?

It's the government's attempt to give you free money... Interested in learning more? 

We discuss the ins and outs of the CARES act and how you can benefit from this new government bailout of America. Yes its that "Huge".

We brought on 3 experts this week to discuss what you need to know.

CARES Act


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Listen on
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Stitcher Radio

Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Jeffery Levine

Jeff is a multi-millionaire stock options trader and economist with nearly 20 years of experience under his belt. He failed building 4 businesses– even tried his hand as an online poker player, but learned each step of the way to becoming a multi-millionaire before the age of 35.  

Now he dabbles in virtually every aspect of the market, but has a special gift and passion for trading options and has become the #1 live-streaming stock options trainer in America. While he maintains a disciplined approach to the market, he’s also not afraid to make the big bets and swing for the fences when he thinks there’s an edge on a trade.

Raging Bull has a large following with over 2 million unique users on its website each month, a user base of over 500,000 paid and free members in their network and over 200,000 social media followers.

Jeff's Online Presence:


Today's Panelists

3 Famous Investors You Need To Know To Invest Successfully

How would you like to get into the minds of the top 3 investors of all time?

We do that this week on our show... 

We interview Scott Chapman about his new book, Empower Your Investing where he analyzes the top 3 investors of our time and why they were successful. We discuss Peter Lynch, John Templeton, and Warren Buffett.


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Listen on
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Stitcher Radio

Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Scott Chapman

Scott A. Chapman, CFA

Chief Executive Officer and Portfolio Manager

Scott A. Chapman is a Chartered Financial Analyst, CEO and Portfolio Manager of Chapman Investment Management, LLC, which he founded in 2013. He has more than thirty years of experience managing investment portfolios and performing securities analysis.

Mr. Chapman was Managing Director and Portfolio Manager with Lateef Investment Management from 2002-2012, during which time the firm’s assets grew from $500 million to over $5.5 billion. At Lateef, Scott was a member of a three-person portfolio management team that delivered investment performance in excess of the S&P 500 by an average of 3.8% annually and outperformed the index in nine of eleven years, all with lower portfolio risk. The Lateef mutual fund earned the top five-star rating by Morningstar rating agency.

Previous positions included Senior Portfolio Manager, Director of Large-Cap Growth Strategy, and Research Director at Dreyfus Founders Asset Management, and Senior Portfolio Manager and Director of Growth Strategy at HighMark Capital Management. At HighMark, he designed and managed the investment strategy for the HighMark Growth Fund, which was also awarded a top five-star Morningstar performance rating.

Mr. Chapman received his M.B.A. in Finance from Golden Gate University and his B.S. in Accounting from Santa Clara University.  He taught investment principles to CFA candidates in San Francisco for seven years. He also developed and instructed investment seminars, called “Lessons from the Masters,” which profiled the investments principles and case studies of stocks used by Sir John Templeton, Peter Lynch, and Warren Buffett.  Mr. Chapman recently wrote a book called Empower Your Investing—Adopting Best Practices of John Templeton, Peter Lynch, and Warren Buffett which will be published in August 2019 and is available on Amazon and Barnes & Noble at the links below. Mr. Chapman is a national board member of Positive Coaching Alliance, former Chair of the Alumni Advisory Board for Golden Gate University’s graduate school of business, and volunteers at several other non-profit organizations.  He is married, has two grown children, two grandchildren, and enjoys hiking, cycling, swimming, reading and the fulfillment of making a positive difference in building clients’ capital.

Investing is a life skill and, like any life skill, the key is to learn from those who have already done it well. Empower Your Investing­: Adopting Best Practices of John Templeton, Peter Lynch, and Warren Buffett offers a success-based framework, discipline, and toolkit for investing success.


Find Scott's Book, Empower Your Investing: Adopting Best PRactices From Peter Lynch, John Templeton, and Warren Buffett


Today's Panelists

Investing in Natural Resources With Industry Legend Rick Rule

Investing in natural resources is hard... no, its foolish... unless you know what you are doing. If you understand the industry it is a gold mine (pun intended).

Industry insider Rick Rule talks about his decades of experience investing in natural resource stocks, warrants, and other related investments. He brings his practical experience to the pie in the sky ideas that most investors are looking for. Gold, Silver, Platinum, Uranium, and more. We discuss the best ways to invest in this sector without losing your shirt.


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Today's Guest:  Rick Rule

Rick Rule 

President and CEO

Sprott U.S. Holdings Inc.

Mr. Rule has dedicated his entire adult life to many aspects of natural resource securities investing. In addition to the knowledge and experience gained in a long and focused career, he has a worldwide network of contacts in the natural resource and finance worlds. Mr. Rule is also a director of Sprott Inc., the parent company of Sprott U.S. Holdings Inc. As President and CEO of Sprott U.S. Holdings Inc., Mr. Rule leads a highly skilled team of earth science and finance professionals who enjoy a worldwide reputation for resource investment management.

Mr. Rule is a frequent speaker at industry conferences, and is interviewed for numerous radio, television, print and online media outlets concerning natural resource investment and industry topics. He is frequently quoted and referred by prominent natural resource oriented newsletters and advisories.  Mr. Rule and his team have long experience in many resource sectors including agriculture, alternative energy, forestry, oil and gas, mining and water. Mr. Rule is particularly active in private placement markets, having originated and participated in hundreds of debt and equity transactions with private, pre-public and public companies.

Sprott U.S. Holdings Inc. is a holding company made up of three separate and distinct companies: Sprott Global Resource Investments Ltd., a FINRA Registered Broker/Dealer; Sprott Asset Management USA, Inc., an SEC Registered Investment Adviser offering managed accounts; and Resource Capital Investment Corp., an SEC Registered Investment Adviser that manages Limited Partnerships.  These three companies make up the U.S. Subsidiaries of Sprott Inc., and are active in securities brokerage, segregated account money management and investment partnership management involving both equity and debt instruments, across the entire spectrum of the natural resource industry. 

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Today's Panelists