No Lazy Money

May 6, 2026 ~ Hosts Ryan Ermanni and Nick Hopwood discussed concentration risk, where too much of a portfolio is in one stock, and solutions like 721 exchanges or donation strategies. They also talked about 401(k) plans for small businesses and when to claim Social Security. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

April 1, 2026 ~ Nick Hopwood and Ryan Ermani discuss navigating market volatility, emphasizing that corrections are normal and a good financial plan helps weather these storms. They talk about pre-retirement planning, stressing the importance of having enough money and a plan for filling leisure time. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

March 4, 2026 ~ Hosts Ryan Ermanni and Nick Hopwood discuss mutual fund capital gains distributions, citing an example of a client who owes a large sum in taxes without selling assets. They explain how Obamacare subsidies could be lost if income exceeds $84,000, and highlight the potential of “Trump accounts” for long-term wealth creation for children. The speakers also touch upon proposed wealth taxes in the Netherlands and California, and the broader economic implications of various tax policies. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Feb. 4, 2026 ~ This episode discusses how politics affects investing, advising listeners to avoid panic-selling based on news. It highlights the importance of an automatic financial plan for wealth building and offers insights on retirement planning, including four key questions to ask oneself. The hosts also describe the five stages of retirement, from anticipation to fulfillment, stressing the need for meaningful activities beyond leisure. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jan. 7, 2025 ~ In this episode of “No Lazy Money,” host Ryan Ermanni sits down with Nick Hopwood and Jim Pilat of Peak Wealth Management to uncover why true financial success starts with planning—not just chasing returns. You’ll learn why understanding your goals is the foundation for smart investing, and how strategies like Roth conversions, donor-advised funds, and tax-loss harvesting can save you thousands over time. Plus, discover why tax planning is the hottest trend in wealth management and how to avoid costly mistakes with your 401(k), IRA, and HSA contributions. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dec. 6, 2025 ~ In the debut episode of "No Lazy Money," host Ryan Ermanni speaks with Nick Hopwood and Jim Pilat of Peak Wealth Management to reveal why leaving your cash sitting in a bank account is costing you big time, and what to do instead. You’ll learn simple, actionable steps to make your money work harder, from high-yield savings strategies to smart tax moves like Roth conversions. Plus, discover why tax planning is the hottest trend in financial advice and how to avoid common mistakes that could derail your retirement. If you’ve ever wondered, “Am I doing enough?”—this episode is your wake-up call. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.