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Wealth Decisions by Brian

Brian D Muller (AAMS©) (BFA™)

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Every day we have the opportunity to make better decisions around our money and our life. My goal is to help you do just that. Whether your goal is financial freedom, retiring early, or becoming a more successful investor, tune in each week. Each episode is 15 minutes or less and can make a significant difference to your future wealth. Brian D. Muller, AAMS® BFA™ Founder, Wealth Advisor Momentous Wealth Advisors www.momentouswealthadvisors.com #financialeducation #investingtips #financialind ...
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3 Smart Ways to Invest when Building Your Portfolio: Simple, Solid & Strategic Are you overwhelmed by conflicting investment advice and complex strategies? In this value-packed episode, Brian Muller breaks down the three essential portfolio approaches that can transform your investing journey: the Core (Simple) Total Market Strategy, the Comprehens…
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SHOULD YOU OWN BITCOIN OR OTHER CRYPTOCURRENCIES?" In this essential episode of Wealth Decisions, host Brian Muller, founder of Momentous Wealth Advisors, cuts through the hype and confusion surrounding cryptocurrency investments. Whether you're crypto-curious or skeptical, Brian delivers balanced, actionable insights on integrating digital assets …
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What if I told you there's an asset class that could have protected your portfolio during some of the worst market crashes in history? One that tends to shine exactly when traditional stocks and bonds struggle the most? Today, we're diving into commodities - the often misunderstood investment that could be the missing piece in your diversification …
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Hey, I'm Brian. Feeling overwhelmed by financial advice that takes too long to digest? That's why I created "Wealth Decisions by Brian" – a podcast that respects your time while transforming your financial future. In just 15 minutes or less per episode, I deliver powerful insights on money, meaning, and mindset that most financial advisors take hou…
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Did you know that some of the wealthiest investors in history made their fortunes not from stocks, but from bonds? In today's episode, we're diving deep into why bonds matter more than ever in today's market, especially if you're approaching retirement. Stay tuned to learn how you could potentially earn attractive yields while protecting your wealt…
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Are you missing out on the growth potential of small-cap stocks? In this eye-opening episode of Wealth Decisions, Brian Muller, founder of Momentous Wealth Advisors, breaks down everything investors need to know about small-cap investing. Discover why these overlooked market segments could be the missing piece in your diversification strategy and p…
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What if I told you there's a sweet spot in the stock market that consistently outperforms both large and small companies the majority of the time? A segment that combines the stability of established businesses with the explosive growth potential of startups? Stay tuned as we dive into mid-cap investments – the overlooked goldmine that could be the…
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Are your investments truly building wealth, or are you just following the crowd? Today, we're diving deep into value investing - a strategy that made Warren Buffett one of the wealthiest people on Earth. Here's what makes an investment truly valuable: First, you need strong fundamentals. We're talking about consistent cash flow, healthy profit marg…
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What if I told you there's a massive opportunity that most investors are missing out on? A market that represents over 80% of the world's population and is growing at twice the rate of developed nations. Today, we're diving into emerging markets - and why not having them in your portfolio could be leaving serious money on the table. Today, we're di…
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What if I told you that by ignoring 40% of the world's stock market value, you might be missing out on massive growth opportunities? If you were to guess what asset class is the best performer year to date, what would be your best guess? In this week's episode, we dive into why developed international markets deserve a place in your portfolio and h…
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Getting to your first hundred grand is the hardest part. Why? Because you're building the foundation of your wealth journey with nothing but your income and determination. But here's the good news – once you hit that mark, compound interest becomes your best friend. Pre-order my new book "Momentous Decisions: 7 Steps to Better Health, More Wealth, …
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Feeling overwhelmed by your finances? You're not alone. From juggling multiple investments to making life-changing money decisions, knowing when to get help can be the difference between thriving and just surviving. In this week's episode of Wealth Decisions, we break down the three undeniable signs that it's time to stop going it alone. One of the…
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Triple your returns overnight? Sounds amazing, until it vaporizes your savings. This week on the Wealth Decisions Podcast, I'm ripping the mask off of the most dangerous money traps and discussing one of the most popular ETF’s pros and cons. Sometimes, it's not what you decide to do but what you decide not to do. These five investments could seriou…
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Is your investment portfolio working as hard as it should be? What if I told you that most investors are leaving money on the table by not rebalancing properly - or worse, rebalancing too often? In this week's episode, I dive into the science and strategy behind portfolio rebalancing, and I'll share three actionable frameworks that could boost your…
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Think you're well-diversified because you own the S&P 500, QQQ, and VUG? You might be surprised to learn that you're essentially tripling down on the same handful of tech giants. In this week's episode, I break down the hidden overlap in popular ETFs and show you how to build true diversification into your portfolio. There is a common misconception…
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"The stock market is too high." "We're due for a crash." "This time it's different." These are phrases I've heard in every single decade of my career as a financial advisor. Yet here's the shocking truth: If you had invested $10,000 in the market each time someone claimed it was "too high" over the last 30 years, you'd be a millionaire today. In th…
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In this week's episode, I dive into a topic that's close to my heart and probably yours, too – investing in your kids's future. Whether you're a new parent or have teenagers, this episode will cover the four key ways to save for your kids and strategies you need to know about. For a transcript of today's episode, go to: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.mom…
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In this week's episode, we're diving into a powerful approach to investing that's gaining traction among financial advisors and investors alike: Goals-Based Investing. We will discuss the "Power of Naming Your Financial Accounts" and how this can help you have a better chance to stay on track to reach all your most important goals. Let's start with…
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In this week's episode, I am diving into a topic that affects every financial decision you make: your money personality. Understanding your relationship with money is crucial for making sound financial decisions and achieving your goals. What is a Money Personality? Your money personality is the set of attitudes, beliefs, and behaviors you have abo…
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What is Your Story with Money? We all have a unique narrative when it comes to money - a story that's been shaped by our upbringing, experiences, and beliefs. These narratives often operate in the background, influencing our financial decisions without us even realizing it. Today, we'll explore five common money narratives that people often hold. A…
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In this week's episiode we are diving into a question that many of us grapple with: "Should you starve now to feed retirement goals?" We'll explore the delicate balance between living fully today and saving for tomorrow, discussing what makes people feel wealthy, smart withdrawal strategies, and finding the right savings rate for you. For a transcr…
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The Psychology of Investing: Understanding Your Mind to Make Better Investment Decisions Introduction In today’s episode we're going to explore how our minds influence our financial decisions, often in ways we don't even realize.Whether you're a seasoned investor or just starting to dip your toes into the financial markets, understanding the psycho…
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This episode elucidates the profound interplay between financial planning and personal growth through the exploration of what I term the "three S's of wealth": success, significance, and security. I delve into the essence of success, contending that it transcends mere financial accumulation, instead embodying the realization of one's personal aspir…
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In this week's episode, we're diving into a topic that's been making waves in the world of retirement savings: The SECURE Act 2.0. This legislation, passed in late 2022, brings significant changes to how Americans can save for retirement. Whether you're just starting your career or nearing retirement age, these changes could have a big impact on yo…
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Are you really maxing out your 401k? You might be surprised to learn that what you think is "maxing out" might not be taking full advantage of this powerful retirement tool. So, let's break it down and ensure you're on the right track to a comfortable retirement. What Does "Maxing Out" Really Mean? When most people talk about maxing out their 401k,…
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In this week's episode, I dive into a topic that affects nearly everyone at some point in their lives: Some kind of financial pain or setback. I discuss "6 Financial Pains and How to Fix Them: 1. Living Paycheck to Paycheck One of the most common financial pains is living paycheck to paycheck. This situation can cause immense stress and leave you v…
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How do you know if you're financially healthy? Is it the balance in your bank account? The car you drive? Or is it something less visible but more fundamental? The truth is, financial health isn't about how much money you have but rather how well you manage what you have. That's where financial ratios come in. We'll explore this topic through the l…
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You might be wondering, "What could a paddle sport possibly have in common with managing your finances?" Well, get ready to be surprised! We're about to explore how the strategies that make you successful on the pickleball court can also help you thrive in the world of finance. Whether you're a pickleball enthusiast, an investment guru, or someone …
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This podcast episode delves into five essential habits that can significantly enhance one's capacity to accumulate wealth. We elucidate the importance of mindful spending, emphasizing the necessity of being acutely aware of purchasing decisions and their implications for financial aspirations. The discussion progresses to the critical practice of s…
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To live a richer life, many important decisions need to be made about your health, life, and financial habits. A life with wealth but poor health is not a richer life. Excellent health, but no financial security won't allow you to do all that you want to do. Being healthy and wealthy with no deep-quality relationships is also not a rich life. A ric…
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In this episode, I discuss one of Momentous Wealth Advisors' 9 investment principles: "Don't Play Politics with Your Investment Strategy." I explore the relationship between political parties in power and investment performance by taking a journey through history, examining how the stock market and various sectors have performed under different adm…
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This podcast episode elucidates the significance of research analysts and their price targets in the realm of stock investment. We delve into the intricate methodologies employed by these analysts to formulate their projections, which serve as educated estimates of a stock's future price based on comprehensive financial analysis and market trends. …
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In today's episode, I am tackling a topic that's on many investors' minds: how to invest when the market is at or near all-time highs. Are you nervous about putting your money into a market that seems to have nowhere to go but down? Or are you worried about missing out on potential gains? You're not alone. Today, we'll explore the challenges, strat…
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The primary focus of this podcast episode is an in-depth exploration of market cycles and the concept known as "climbing the Wall of Worry." I emphasize the significance of recognizing the cyclical nature of markets, which oscillate between phases of accumulation, markup, distribution, and markdown. Through this understanding, investors may achieve…
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In today's episode, I discuss an essential but often overlooked aspect of financial planning: stress testing your financial plan. I'm here to guide you through this crucial process that can help ensure your financial stability and peace of mind. First, let's define what we mean by "stress testing" your financial plan. It's evaluating how well your …
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Developing a multi-year Roth conversion plan involves some planning but can be a great strategy to get more in Roth accounts to be able to create a more tax-efficient income in retirement. A Roth conversion involves moving money from a traditional IRA or 401(k) into a Roth IRA. The key difference is that traditional accounts are funded with pre-tax…
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Using passive investment strategies can have a significant impact on your long-term financial success. Passive investing has gained tremendous popularity in recent years, and for good reason. It's an approach that can offer simplicity, lower costs, and potentially better long-term returns compared to active investing strategies. But what exactly is…
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A market correction is typically defined as a 10% or more decline in the price of a security or market index from its most recent peak. On average, we have three 5% dips per year and one 10% correction typically per year. Corrections are different from bear markets, which are characterized by a 20% or more decline. Corrections are a normal and heal…
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In this episode, we'll unpack a concept that might seem counterintuitive at first but is essential for maintaining a healthy, efficient portfolio. Whether you're a seasoned investor or just starting out, understanding diworsification can help you optimize your investment strategy and potentially improve your returns. Here's what I cover in this wee…
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Whether you're just starting your investment journey or a seasoned investor looking to reassess your strategy, understanding your risk tolerance is the key to building a portfolio that aligns with your financial goals and helps you sleep soundly at night. In today's episode, I cover: 1. What investment risk really means 2. Factors that influence yo…
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3 Ways I Can Help with Your Retirement Goals One-time Plan, Hourly Advice based upon need, or ongoing financial planning and wealth management. One-Time Financial Plan and or Portfolio Analysis- This plan is for anyone comfortable managing things on their own but is looking for financial peace mind knowing they are on track to retire and have the r…
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Retiring comfortably is a dream for many, but the commonly cited recommendation of having $1 million or more saved can seem daunting, especially for those with more modest incomes. However, it is possible to retire on less than $500,000, with the right planning and lifestyle adjustments. In this episode, we'll explore 6 key areas that can make or b…
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To retire and stay comfortably retired, you need a solid financial plan- a plan that factors in your needs, wants, and wishes and ensures your money will last long into retirement. The 9-Step Retirement Decisions Plan gives you a plan in order of importance when you retire. Step 1- Set up a plan to save at least 12 months of expenses to cover your …
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This episode is specifically tailored for those looking to retire in the next three to five years, but also really valuable information to prepare you for the things you will have to think about while you are saving and investing toward this period of time. As football fans know, the “red zone” is the area of the field where the offense is within 2…
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To achieve financial freedom, you need to have a solid financial plan. A plan that super funds your retirement and gives you smart steps in order of importance to make the biggest impact on your future wealth. The 9-Step Wealth Decisions Plan is just that. This plan is for anyone aged 45-55 who wants to retire in 10-15 years and can save more than …
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Most of us have two lives: the life we live and the life we are capable of living. How is it that some people seem to accomplish so much, while the vast majority of us never accomplish what we are capable of? If you could fully tap your potential, imagine what could be different for you. How would your life change if each and every day you performe…
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James Clear said in his book Atomic Habits that, “True behavior change is identity change.” You and I can act ourselves into a new identity by behaving a specific way. You can act your way into believing something different about yourself. Clear goes on to say that every time you take an action, you’re giving your mind evidence that you are a new p…
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A rich life is not just about wealth. I have a philosophy on life, health, and wealth that I call the M.A.D.E Life Philosophy. The M.A.D.E Life centers around living a richer more fulfilling life. It is about living with intention. Every 90 days, you focus on things to create more Meaning, Accomplishment, Difference, and Experiences in your life. M…
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“No thought lives in your head rent-free.” Each thought you have will either be an investment or a cost. T. Harv Eker To improve your relationship with money, you need to look at the roots of the beliefs you have about money. Without doing this, you can learn all you can about Roth IRAs, stock investing, or ETFs, but there will still be a piece of …
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"There is a difference between WISHING for a thing and being READY to receive it. No one is ready for a thing, until he believes he can acquire it. The state of mind must be BELIEF, not mere hope or wish. Open-mindedness is essential for belief." -Napoleon Hill, Think and Grow Rich When you release money blocks and become self-aware about your rela…
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