Joss Brown Podcast

You may have heard the phrase, “Giving while you’re living, so you’re knowing where it’s going.” There’s something special about watching young children open gifts with excitement and enjoy them right away. In a different, but equally meaningful way, it can also be rewarding to support your adult children and see them use that generosity wisely.We often have conversations with clients about generosity, whether it’s directed toward charities, organizations, or family members. In this episode, we focus on giving to adult children and how to approach it thoughtfully. There’s an important difference between helping and enabling, so we explore best practices for supporting your children financially while also encouraging responsibility, preserving healthy boundaries, and creating a lasting legacy.For more episodes, visit www.jossbrown.com or visit our YouTube channel!If you have questions, you may contact our office at 757-903-2127. 

In this episode, we break down what it really means to invest for the long run. Instead of chasing quick wins or reacting to daily market noise, we focus on the principles that have consistently built wealth over time: discipline, diversification, and patience.For more episodes, visit www.jossbrown.com. 

What happens when you suddenly have more money than you expected — whether it’s a big raise, a surprise inheritance, or an unexpected gift? In this episode, we dive into the emotional, social, and financial ripple effects of sudden wealth.We’ll talk about why sudden financial gains can be both exciting and overwhelming, the psychology behind “money shock,” and how to avoid common pitfalls like lifestyle inflation or guilt spending.From practical strategies for managing windfalls to deeper conversations about identity and relationships, this episode explores how to make sudden wealth a blessing instead of a burden. 

We often hear about the perks of wealth, but what challenges come with it? In this episode, we uncover the top 5 pain points high-net-worth individuals face. For more info check out https://www.jossbrown.com/

Whether you’re tired of being a landlord, eyeing new investments, or wondering if it’s time to cash in on your property’s appreciation, this episode is packed with insights to help you make an informed decision.For more info check out https://www.jossbrown.com/ #RentalProperty #RealEstateInvesting #FinancialPlanning #SellOrHold #PassiveIncome #WealthBuilding 

Are you investing based on your feelings or your financial reality?In this video, we break down the critical difference between risk tolerance and risk capacity—two key concepts that can make or break your investment strategy. Whether you're just getting started with financial planning or fine-tuning your portfolio, understanding these terms can help you make smarter, more personalized decisions.Just because you're comfortable taking risks doesn't mean you should—and just because you're cautious doesn't mean you can't. Watch to find out why!#FinancialPlanning #RiskTolerance #RiskCapacity #Investing101 #PersonalFinance #WealthManagement For more info check out https://www.jossbrown.com/

What are Roth Conversions, and should you be using this strategy? A clear, concise guide to Roth conversions. Learn when, why, and how to convert — and how it can impact your long-term financial plan.For more, visit www.jossbrown.com

Should I own real estate, or should I have Reits in my portfolio? Listen in as Dan and Katherine discuss the pros and cons to each and also their personal experiences with real estate!#realestate #investing #Reits For more episodes, visit www.jossbrown.com 

Following an awful first quarter that saw negative returns across the board, the U.S. investment markets staged a remarkable comeback, banishing (for the moment) worries about the risk of a recession, a slowdown in consumer spending, and the uncertainty over trade wars and tariffs. Listen in for a more in-depth conversation! #moneytalks #financialwisdomFor more info check out https://www.jossbrown.com/

In this episode, we dive into the often-overlooked but crucial topic of property titling and beneficiary designations. Learn how proper titling can help avoid probate, ensure a smooth transfer of assets, and protect your loved ones from legal headaches. Whether you own a home, bank account, or investment portfolio, understanding these tools can make a lasting impact on your financial legacy. For more episodes, visit www.jossbrown.com

Welcome to the Joss Brown Podcast! On this episode, we discuss the wide world of alternative investments. Precious metals, real estate, x2 inverse index funds... There will be plenty of ways to diversify a portfolio. For more episodes, visit our website at www.jossbrown.com. 

Listen in as we talk about the first quarter of performance across the different markets! #moneytalks #financialwisdomFor more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

In this episode, Michelle and Deven break down the often-overlooked world of benefit packages. From health insurance and retirement plans to stock options, wellness perks, and tuition reimbursement, we explore what’s typically offered, what it’s really worth, and how to evaluate these benefits when considering a new job or negotiating an offer. Do not get caught up with the salary number but take into account all the other options that the employer is offering!#finance #Benefits #workbenefitsFor more episodes, check out www.jossbrown.com

In this episode, we dive deep into one of the most underrated keys to long-term financial success: discipline. Whether you're just starting your investment journey or refining a seasoned strategy, sticking to your plan when the markets get turbulent can make all the difference.Join us as we explore practical, time-tested tips for staying focused, calm, and committed—even when headlines scream panic. 

Listen in to this episode as Katherine discusses credit with our special guest, Jeremy Jordan. What is it? How can it be used? What are some common misconceptions? This is all discussed in this great episode. #moneytalks #financialwisdom #mortgagebanking For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127Jeremy's Information | https://www.atlanticbay.com/jeremyjordan/

In this episode of the Joss Brown Podcast, we sit down with Sr. Mortgage Banker Jeremy Jordan, who shares his journey in the industry, some great stories, and valuable tips for anyone looking to navigate the world of home loans. Tune in for insightful advice and a behind-the-scenes look at the mortgage world! Jeremy will return in the next episode to discuss credit with Katherine Brown! #moneytalks #financialwisdom #mortgagebanking For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127Jeremy's Information | https://www.atlanticbay.com/jeremyjordan/

In this episode, we dive into essential strategies for to help clients navigate tax season with confidence. From organizing financial records to understanding key tax laws, we’ll cover best practices for ensuring a smooth, stress-free tax season.For more episodes, visit www.jossbrown.com or call us at 757-903-2127

In this episode, we dive deep into the world of financial scams, one of the most pressing threats to personal wealth. Financial fraud is becoming more sophisticated, and it’s essential to arm yourself with the knowledge to recognize scams before they impact your financial future. We’ll explore common scams, red flags to look out for, and practical tips on how to protect yourself and your loved ones. For more, visit jossbrown.com

Join Deven and Phillip as they share valuable tips to kickstart the new year. In this episode, they dive into essential tasks like updating your personal budget, reviewing your estate plans, and adjusting your insurance coverage if needed. Plus, they discuss the new contribution limits for the year ahead. Tune in for practical advice to help you start the year on the right foot with the latest insights from the Joss Brown Podcast! For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

Tune in as Dan and Phillip break down the performance of key asset classes throughout 2024. They offer expert insights on stocks, bonds, international equities, real estate, and inflation trends, providing a condensed overview of the year’s financial landscape. For more info and episodes check out https://www.jossbrown.com/ or call (757) 903 - 2127

Do Presidential Elections Affect the Market? Welcome to 2025 and listen in as Dan and Phillip discuss presidents, fed rate cuts, and the stock market. Many investors fear changes with the stock market depending on who wins the White House. History has shown that stocks reward disciplined investors, so we would caution any sudden changes to your investment plan. *Past Performance is no guarantee of future Results*For more, visit www.jossbrown.com or call us at 757-903-2127

Listen in to this episode of the Joss Brown Podcast. Dan and Phillip discuss common pitfalls to investors and their strategies. #moneytalks #financialwisdom #investing Find the original article here > https://www.dimensional.com/us-en/insights/3-common-investing-mistakes For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

Congratulations to Deven Joss! Listen in to the conversation about what all students have to accomplish to achieve the gold standard designation. From college courses, experience on the job, and late nights studying, all CERTIFIED FINANCIAL PLANNER™ professionals must go through a rigorous training to help their clients and provide them with exceptional value.

In this episode, we discuss the many different routes to purchase a car. Do we pay cash? Do we use investments? Do we get a car loan? Do we lease the car? Enjoy our conversation full of past experiences, personal stories, and thoughts for the next purchase. 

In our latest episode of the Joss Brown podcast, we break down the third leg of the "retirement income stool" with Daniel and Phillip. Learn about the different ways to save and investment vehicles made just for personal savings. For more info check out www.jossbrown.com or call (757) 903 - 2127

In our latest episode of the Joss Brown podcast, we break down the second leg of the "retirement income stool" with Daniel Joss and Michelle Robinson. Learn about the different types of pension income and the selection process of different retirement plan vehicles. #financialplanning #pensions #investments For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

In our latest episode of the Joss Brown podcast, we break down the first leg of the "retirement income stool" with Daniel and Deven Joss. Learn the optimal time to claim benefits, understand the impact on spousal benefits, and explore the long-term implications of your choices. We discuss the importance of Social Security and why the age to claim is so important to your whole financial plan. #financialplanning #socialsecurity #investmentsFor more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

Is your retirement plan built on a stable foundation? Discover the three critical legs of retirement income that can secure your financial future. In our latest episode of the Joss Brown podcast, we break down the "retirement income stool" with Deven Joss, a registered Social Security analyst, who will guide us through the complexities of Social Security. Learn the optimal time to claim benefits, understand the impact on spousal benefits, and explore the long-term implications of your choices. But that’s not all. We also dive into the world of employer-sponsored retirement plans, from 401Ks to traditional pensions. Understand the significance of your options and the strategies for investing these assets effectively. Finally, we wrap up with a look at personal savings, covering everything from IRAs to taxable investment accounts. If you’re aiming to optimize your retirement income, this episode is your essential roadmap. Join us and take the first step towards a secure financial future.

In this new podcast episode, we discuss the mechanics of tax loss harvesting, discussing its benefits, potential pitfalls, and the best practices to make the most of this strategy. Whether you're a seasoned investor or just starting out, understanding tax loss harvesting can be a game-changer for your financial plan.We hope you find this episode insightful and empowering. As always, if you have any questions or need personalized advice, don't hesitate to reach out. #moneytalks #financialwisdom #taxlossharvesting For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

Join us on the Joss Brown Podcast for a deep dive into the world of education planning with Dr. Pamela Ellis. In this episode, Dr. Ellis shares her extensive knowledge on education planning and how students can walk through the planning, admission, and application process. Dr. Ellis and Katherine Brown discuss the importance of starting this process early with your young teen to increase your chances of success.  #financialwisdom #educationplanning #educationFor more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

In this engaging episode of the Joss Brown Podcast, join hosts Deven Joss, Dan Joss, and Michelle Robinson as they explore the various critical ages in financial planning. From understanding Medicare at 65 to the nuances of Social Security at 62 and the importance of retirement account contributions at 50, this episode is packed with valuable insights. The team also delves into the significance of ages for IRAs, custodial accounts, and more, providing listeners with a comprehensive guide on how to navigate these financial milestones. Whether you're planning for retirement, saving for your child's education, or just looking to better understand financial planning, this episode offers a wealth of knowledge for listeners at any stage of their financial journey.For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

Join us on the Joss Brown Podcast for a deep dive into the world of insurance with Ed Barnhart, a seasoned State Farm agent with 39 years of experience. In this episode, Ed shares his extensive knowledge on various types of insurance, including umbrella policies, property and casualty, flood insurance, and more. He discusses the importance of having adequate coverage to protect assets and offers valuable tips on selecting the right insurance policies for your needs. Whether you're concerned about protecting your home, car, or other assets, this episode provides essential insights and practical advice for anyone looking to understand insurance better and safeguard their financial future.For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

In this insightful episode of the Joss Brown Podcast, join Deven Joss, Dan Joss, and Katherine Brown as they delve into the critical world of property and casualty insurance. Discover why it's vital to review insurance documents regularly and how insurance serves as the foundation of a financial plan. The team discusses various aspects, including home, auto, and umbrella insurance policies, and highlights red flags to watch for. Learn about the importance of aligning insurance coverage with your net worth and the intricacies of umbrella policies in liability protection. Whether you're a homeowner, business owner, or just looking to understand insurance better, this episode offers valuable advice and real-life examples to help you navigate the complexities of property and casualty insurance effectively.For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

Dive into the world of retirement planning with expert Rickie Taylor on the Joss Brown Podcast. In this episode, Rickie, a regional director for Retirement Planning Consultants, shares his extensive knowledge in employer-sponsored retirement planning. Discover effective strategies for medical practices, law firms, and small businesses to optimize their retirement plans. From SEP IRAs to complex cash balance plans, Rickie provides valuable insights into plan design, tax benefits, and employee retention through competitive retirement offerings. Whether you’re a business owner seeking to enhance your retirement plan, or an individual interested in the intricacies of retirement planning, this episode is a treasure trove of information. Join us for an enlightening discussion on creating efficient and rewarding retirement plans with Rickie Taylor!For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

Join us in this enlightening episode of the Joss Brown Podcast where we welcome Rodney Jackson, a seasoned insurance broker from Jackson Insurance Agency, Yorktown, Virginia. With his vast experience in Medicare planning, Rodney breaks down the complexities of Medicare Parts A, B, C, and D, and explains the differences between Medicare and Medicaid. Discover the ins and outs of Medicare Advantage plans, Medigap policies, and how to effectively navigate the Medicare system. Whether you're approaching retirement, already retired, or assisting a loved one with their Medicare choices, this episode is packed with invaluable advice and practical tips to help you make informed decisions. Don't miss Rodney's expert insights on the often-confusing world of Medicare!For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

Join Dan Joss and Phillip Saunders on the Joss Brown Wealth Advisors podcast as they dissect a thought-provoking Morningstar article by Jeffrey Ptak. This episode delves into the psychology of investing and practical strategies for maximizing investment returns. They discuss the distinction between saving and investing, the pitfalls of fund selection, and the importance of disciplined rebalancing over impulsive trading. Tune in to gain valuable insights and apply these principles to your investment journey.For more info check out https://www.jossbrown.com/ or call (757) 903 - 2127

Join Phillip Saunders and Dan Jost in this enlightening episode of the JosS Brown Podcast as they delve into the nuanced world of investment philosophy. With over 40 years of combined experience, they explore a range of topics from bond stability and income strategies to stock market dynamics. Discover their insights on balancing portfolios with stocks, bonds, and alternative investments, and learn about their approach to rebalancing in changing market conditions. Whether you're a seasoned investor or just starting out, this episode is a must-listen for anyone looking to navigate the complexities of the financial market.

In this episode of the Joss Brown Podcast, special guest Oscar Alvarez, a West Point graduate with extensive knowledge in long-term care insurance, joins hosts Michelle Robinson and Deven Joss. Oscar delves into the critical aspects of long-term care insurance, including its importance for an aging population, various policy options, and the emotional and financial impacts. He also discusses the pros and cons of self-funding versus obtaining a long-term care insurance policy. This episode is a must-listen for anyone looking to make informed decisions about their long-term care planning.

Join Deven Joss, Dan Joss, and Michelle Robinson on the Joss Brown Podcast for an insightful discussion on long-term care insurance. This episode focuses on what long-term care insurance is, why it's crucial in financial planning, and when to consider purchasing it. The team also explores various aspects like coverage options, the importance of inflation riders, and choosing the right time to buy. Whether you're planning for your future or helping a loved one, this episode provides valuable guidance on preparing for long-term care needs.

Welcome to the Joss Brown Podcast!Dive into the world of financial planning with our guests, Philip Saunders, a budding CFP professional from Virginia Tech, and Deven, a Liberty University graduate. From family farms to financial charts, and academic rivalries to real-world responsibilities, this episode covers it all. Don't miss their unique stories and insights!

Welcome to another insightful episode of the Joss Brown Podcast. Today, we are joined by Rosemarie Lau, a seasoned Certified Public Accountant (CPA) with over 34 years of experience in the realm of accounting, auditing, taxation, and tax planning. Rosemarie shares her journey from graduating with a bachelor's degree in accounting from JMU to working with small to midsize firms, emphasizing her love for client relations and helping individuals meet their financial objectives.Rosemarie sheds light on her role as a tax manager at Theresa Rome's office, Abraham Smith and Company, where she enjoys the camaraderie of working closely with clients, understanding their financial situations, and helping them navigate the tax landscape. She shares anecdotes of her interactions with clients, emphasizing the importance of building strong relationships and understanding clients' goals and personalities to provide tailored tax advice.We delve into the topic of charitable giving, discussing the personal nature of such decisions and how taxpayers can strategically plan their charitable contributions to optimize tax benefits. Rosemarie also touches on the importance of proactive tax planning, urging individuals to communicate with their tax professionals to avoid surprises during tax season.The conversation shifts to the realm of retirement accounts for small businesses, where Rosemarie highlights the benefits of setting up retirement plans for employee retention and morale. She also discusses the common mistakes she encounters on tax returns, such as omitted information leading to amended returns, and the significance of understanding one's tax bracket to make informed financial decisions.Rosemarie also shares her perspective on the recent changes in tax codes, emphasizing the importance of staying updated to ensure compliance and make the most of the available tax benefits. She provides valuable advice on avoiding tax penalties and stresses the importance of education in empowering taxpayers to make sound financial decisions.Whether you're a high-income earner, a small business owner, or someone looking to better understand the tax implications of your financial decisions, this episode is packed with valuable insights to help you navigate the tax maze. Join us as we unravel the complexities of tax planning with Rosemarie Lau, and gain a deeper understanding of how proactive tax planning can significantly impact your financial journey.

Welcome to the Joss Brown podcast, where we delve deep into the world of financial planning with over 40 years of combined experience. Join hosts Dan Joss and Michelle Robinson from Joss Brown Wealth Advisors as they discuss the intricacies of tax returns, offering insights into what they observe and analyze when reviewing them.In this episode, discover:The importance of tax returns in financial planning and the key indicators they look for.The implications of marginal tax brackets and how they influence recommendations on Roth conversions.The significance of Social Security income on tax returns, especially for those not yet of Social Security age.The nuances of depreciation for real estate investors and the potential pitfalls of not claiming it.The considerations for high-income earners and the coordination between financial planners and tax professionals.The intricacies of SEP contributions, restricted stock, and more.Whether you're a seasoned investor or just starting out, this episode offers valuable insights into the world of tax planning and its role in comprehensive financial planning. Stay tuned for our next episode where we'll be chatting with a tax expert to get their perspective on these topics and more.

Welcome to the Joss Brown podcast, where we delve deep into the intricacies of financial planning with over 40 years of combined experience. In this episode, we focus on the topic of wealth, its transfer, and the nuances of estate planning. While we've previously discussed estate planning from a planner's perspective and even had conversations with estate planning attorneys, today's episode brings a fresh perspective on related issues.We discuss the challenges and considerations of gifting, from cars to houses, and even delve into the topic of annual gifting. Our conversation touches on the importance of treating children uniquely, the dynamics of helping them with significant purchases, and the potential pitfalls of being overly generous. We also explore the concept of giving while living, the benefits of donating appreciated assets, and the importance of not letting generosity interfere with family relationships.Throughout the episode, we emphasize the importance of informed decision-making, the role of financial planners in guiding these decisions, and the potential consequences of certain choices. We also touch on the sensitive topic of family dynamics, especially when it comes to financial gifts and the potential for misunderstandings or conflicts.Join us as we navigate the complexities of financial generosity, share personal anecdotes, and provide insights into making informed and impactful decisions. Whether you're considering gifting to your loved ones or just curious about the intricacies of estate planning, this episode offers valuable insights and advice. We hope you enjoy the conversation and look forward to having you with us in future episodes.

Welcome to the Joss Brown Podcast!In this episode, we shine a spotlight on Michelle Robinson, a distinguished wealth advisor with Joss Brown. With a rich background that includes a master's degree in wealth planning and a certified financial planning certification, Michelle's journey from Jamaica to the financial industry is nothing short of inspiring.Starting her career at a law firm in Hampton, Virginia, Michelle's passion for law led her to Regent's law school. Beyond her professional achievements, Michelle shares a glimpse into her personal life, from her supportive retired Air Force husband to her love for gardening and reading.Michelle's dedication to her clients is evident as she discusses her approach to estate planning. With a foundation in law, she ensures her clients' desires are accurately represented in their estate plans. Her commitment extends beyond the office, as she actively helps the homeless community improve their financial literacy, making a tangible difference in their lives.Join us as we delve into Michelle's growth, from her initial days seeking guidance in the industry to becoming a dynamic advisor. The episode underscores the importance of continuous learning, the joy of making a difference, and the value of a supportive team.

Welcome to the Joss Brown Podcast!Dive deep into the world of financial planning with over 40 years of combined expertise. In this episode, we're thrilled to have Trey Parker, a seasoned estate planning expert and principal of the Williamsburg office of Carrell Blanton Ferris and Associates. With a decade of experience under his belt, Trey has been instrumental in crafting both basic and intricate estate planning documents, ensuring clients are well-informed and their plans are tailored to their unique circumstances.Trey's journey into estate planning was inspired by personal experiences. Witnessing the challenges his grandparents faced due to a lack of comprehensive estate planning, Trey was motivated to ensure others don't encounter similar pitfalls. From discussing the nuances of traditional families versus blended families to the importance of beneficiary designations, Trey emphasizes the need for a personalized approach. He cautions against the one-size-fits-all mentality and highlights the potential risks of online estate planning tools.Whether you're curious about the intricacies of trusts, the significance of power of attorney, or the considerations for special needs children, this episode offers a wealth of knowledge. Join us as we unravel the complexities of estate planning, ensuring you're equipped to make informed decisions for your future.

Welcome to the Joss Brown Podcast!Join us on a journey through the intricate world of financial planning. With over 40 years of combined experience, hosts Dan Joss, Deven Joss, and Michelle Robinson from Joss Brown Wealth Advisors Group, LLC, delve deep into the various facets of financial life. As certified Financial Planning professionals, we cover a wide range of topics, from estate planning, insurance, retirement, and social security to investments and the psychology of money.In this episode, we zoom in on the importance of estate planning. What does it mean to have a well-thought-out estate plan? How can you ensure that your legacy is executed according to your wishes and not dictated by the state? We discuss the significance of wills, the difference between health care and financial power of attorney, and the evolving recommendations around trusts.Estate planning is not just about preparing for the inevitable; it's about ensuring that your financial plans align with your estate plans. Whether you're considering wealth transfer, charitable contributions, or gifting, we touch upon the best strategies to achieve your goals.Stay tuned for our next episode, where we'll be joined by estate planning attorney Trey Parker for an expert's perspective on the subject.Embark on this enlightening journey with us and gain invaluable insights into the world of financial planning and beyond!

Welcome to the Joss Brown Podcast!Dive deep into the world of financial planning with over 40 years of combined experience. Join hosts Dan and Katherine as they discuss your favorite financial topics, concepts, and stories. From personal tales of growing up with financially savvy parents to the importance of diversification and understanding risk, this podcast offers a wealth of knowledge.Hear about the fascinating history of stock market investments, from tales of the Great Depression to modern-day success stories. Learn from the experiences of our hosts: Dan's journey from a paper boy to an MBA and a career in financial planning, and Katherine's insights from her family's real estate ventures and the lessons of passive income.But it's not just about their stories. The Joss Brown Podcast aims to educate its listeners about the intricacies of financial planning and investment management. With both hosts being certified financial planner professionals, you're in for a treat. They'll also bring in experts for deeper dives into specific topics and address questions that clients often ponder.Whether you're a seasoned investor or just starting your financial journey, this podcast promises valuable insights, expert advice, and engaging stories. Tune in for episodes ranging from 5 to 25 minutes, perfect for your daily commute or a quick listen during your break.Join us at Joss Brown Wealth Advisors and let's embark on a journey to financial enlightenment together!