• Why the S&P 500 is not an appropriate benchmark for most people
• How risk tolerance, time horizon, and personal financial stability should determine allocation
• Why short-term performance viewing leads to emotional decisions
• The "illusion of diversification" when holding many similar stock funds
• How to properly evaluate whether your portfolio risk matches your goals
• The importance of focusing on time in the market, not timing the market

• Why early and consistent saving matters most
• Why 529 plans remain the best savings vehicle for education
• How the new Trump savings accounts fit in (and don't)
• How costs differ dramatically between public vs. private education
• Why parents often damage their own retirement security trying to pay for college
• The importance of setting expectations with children early
• Brian's personal system for projecting education costs to 2044
• Why lifestyle decisions (cars, home choices, spending patterns) impact your ability to fund education

Why panic selling backfires — and how proper planning prevents emotional mistakes.
In this episode of Something More with Chris Boyd, Chris and Brian Regan tackle a timeless question: Why do investors feel the urge to sell when markets decline? They explore the psychology behind market fear, why this instinct is often counterproductive, and how disciplined planning helps investors avoid costly emotional decisions.
From there, the conversation moves into today's market environment — including the global tensions, oil price changes, sector‑specific volatility, and what these disruptions mean (and don't mean) for long‑term investors.
A major focus in this episode is private credit; an area Brian has been warning about since early 2025. He outlines why the surge in private credit inflows, liquidity mismatches, rising default rates, and cross‑ownership structures between private equity and private credit funds are creating instability beneath the surface. While not a 2008‑style crisis, Brian explains why investors — especially those unknowingly exposed — should pay attention.

#MarketVolatility #InvestorBehavior #FinancialPlanning #WealthManagement #PrivateCredit #SomethingMoreWithChrisBoyd

• Why rental property owners should strongly consider using an LLC
• Inside vs. outside creditors — and why the distinction matters
• How LLCs protect your home and financial assets from tenant lawsuits
• Selecting the right state in which to form an LLC (charging order jurisdictions explained)
• Filing requirements, costs, and practical considerations
• Using LLCs as part of multi‑generation wealth planning
• Whether MA real estate taxed in an estate can be reduced or eliminated using LLCs or credit shelter trusts

• Why most estate plans are outdated long before people realize
• How step‑up in basis really works (and why families lose hundreds of thousands by structuring things incorrectly)
• Joint trusts vs. individual trusts — and why traditional planning often fails today
• Residency choices (MA vs. FL) and the tax implications, including:
• Estate tax thresholds
• Capital gains considerations
• Required steps for changing domicile
• How the SECURE Act changed IRA planning and why most trusts created before it need updates
• Why "funding the trust" is the #1 reason estate plans fail

In this episode of Something More with Chris Boyd, Chris sits down with Brian Regan, CFA® to unpack what's happening in financial markets amid rising geopolitical tensions and inflation pressures. Despite conflicts abroad and volatility in energy markets, the stock market has shown surprising resilience — but beneath the surface, major shifts are underway in oil, bonds, and private credit.

Brian breaks down:

• Why markets aren't reacting as sharply as headlines might suggest
• What's driving oil price spikes and how refinery disruptions, supply bottlenecks, and global shipping constraints play major roles
• Why inflation expectations are ticking higher, and how energy costs feed directly into consumer prices
• Bond market stress, including rising yields, falling bond prices, and what the Fed's shifting policy stance could mean
• The changing shape of the yield curve — and why predictions have become more uncertain
• Growing concerns in private credit, including rising default rates and liquidity issues
• Portfolio positioning considerations, including whether short‑term geopolitical events should influence long‑term investment strategy

Chris and Brian reinforce the importance of global context, disciplined planning, and a diversified approach, especially when markets face unexpected shocks. They also highlight how having a financial team in your corner can help make sense of fast‑moving economic developments.

#MarketUpdate #Investing #FinancialInsights #EconomicOutlook #YieldCurve #Inflation #InterestRates

War in the Middle East. Oil up sharply. Markets on edge.
Should investors panic-or stay the course?

On this episode of Something More with Chris Boyd, Chris Boyd sits down with Brian Regan and Russ Ball to unpack the financial implications of renewed U.S. and Israeli strikes involving Iran. Together, they examine how geopolitical shocks historically affect markets, why volatility often feels worse than it proves to be, and what disciplined investors should focus on instead of headlines.

Most importantly, they reinforce a core principle: investment strategy should align with your financial plan not with the latest breaking news.

Whether you're feeling uneasy or simply looking for perspective, this episode offers thoughtful analysis, practical guidance, and a steady voice in uncertain times.

Keep striving for Something More.

#SmartMoney #FinancialInsights #Investing #Markets #FinancialPlanning #PortfolioStrategy #WealthManagement #LongTermInvesting #SomethingMoreWithChrisBoyd #WealthEnhancementGroup

Diving Deep on Social Security decisions with Marsha Mantell (part two)

In this episode of Something More with Chris Boyd, Chris, and Jeff welcome back Social
Security expert and author Marsha Mantell for a deep dive into reallife Social Security case
studies. Drawing from her book Social Security: Lightly Toasted, Not Burned, Marsha shares
relatable scenarios from single earners and hardworking bluecollar couples to divorced spouses,
blended families, and widows navigating complex decisions. Together, they walk through how
lifetime earnings, timing, marital history, and survivor benefits shape Social Security outcomes.
With humor (yes, the Flintstones and Brady Bunch make an appearance) and practical insight,
this episode highlights why assumptions about ages like 62, 65, 70, or even 70½ often miss the
mark and why thoughtful planning matters. Whether you are approaching retirement or helping
clients prepare, this conversation delivers clarity, strategy, and "something more" to help you
make informed choices about your Social Security benefits.

#SocialSecurity #RetirementPlanning #FinancialAdvice #CaseStudies #MarshaMantell
#ChrisBoyd #WealthEnhancementGroup #RetirementStrategy #WidowBenefits
#SpousalBenefits #FinancialPodcast #SomethingMoreWithChrisBoyd

For more information or to reach TEAM AMR, click the following link:

https://www.wealthenhancement.com/advisor-teams/amr-team

To buy Marcia Mantell's book, click the link below:

https://www.barnesandnoble.com/w/social-security-lightly-toasted-not-burnt-marcia-macdonald-
mantell/1148852467?ean=9798987424933

This week on Something More with Chris Boyd, the AMR team with Chris, Jeff Perry,
and Russ Ball dives into the mailbag to tackle the realworld financial questions listeners
are asking right now. From deciding when to rightsize a portfolio, to navigating the
emotional tugofwar of selling after a big gain, to understanding the role of precious
metals, taxes, Roth conversions, annuities, and estate planning, this episode covers a
full spectrum of issues that matter most to investors and retirees. We explore why
timing the market is so tricky, how to think clearly about risk versus return, and the
importance of aligning decisions with longterm planning instead of shortterm emotions.
You will also hear valuable insights on RMD strategies, IRMAA surprises, and when
annuity income might or might not fit your needs. Tune in for practical guidance
grounded in real client conversations, and as always, keep striving for Something More.
#FinancialPlanning #RetirementPlanning #InvestmentStrategy #WealthManagement
#MailbagEpisode #ChrisBoydShow #MarketInsights #TaxPlanning #RothConversion
#EstatePlanning #Annuities #FinancialAdvice #CapeCodAdvisors
#SomethingMoreWithChrisBoyd

In this episode of Something More with Chris Boyd, Chris, and Jeff welcome Social Security
expert and author Marsha Mantell for an in-depth conversation on the realities of Social Security
today. From the program's looming funding challenges to the widespread myths about
bankruptcy, grandfathering, and claiming strategies. Marsha breaks down what retirees really
need to know. They explore her new book, Social Security: Lightly Toasted, Not Burned, and
discuss the program's history, why people are panicking, and why they should not. They outline
both the math and the mindset behind smart claiming decisions. Whether you are single, married,
divorced, or widowed, Marsha explains why context matters, why the rules are not always
intuitive, and how this decision fits into broader retirement and financial planning. If Social
Security feels confusing or overwhelming, this episode brings clarity, calm, and practical
guidance for mapping your own best path forward.
#SocialSecurity #RetirementPlanning #FinancialAdvice #MarshaMantell #ChrisBoyd
#WealthEnhancementGroup #RetirementEducation #SocialSecurityMyths #FinancialPodcast
#SomethingMoreWithChrisBoyd
For more information or to reach TEAM AMR, click the following link:
https://www.wealthenhancement.com/advisor-teams/amr-team
To buy Marcia Mantell's book, click the link below:
https://www.barnesandnoble.com/w/social-security-lightly-toasted-not-burnt-marcia-macdonald-
mantell/1148852467?ean=9798987424933