As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Today Tim has a special guest, Greg Klechpner of Greenspring Advisors.

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

• Tim encourages you to reflect on your approach as an investor: Are you proactive or reactive? • "Financial fire drills": What are they, and how can they help investors? • Greg asks Tim to explain how he and Greenspring Advisors are compensated. • Dave from Palmyra asks about potential Roth conversion opportunities following the passage of the One Big Beautiful Bill Act. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com. Please enjoy and feel free to share it with your friends and family!

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

As a Fee-Only Financial Advisor, Tim brings his extensive knowledge and over 35 years of experience to the discussion of current financial and wealth management topics. Every show also provides opportunities for you to call in and get Tim’s straightforwar

• Michael asks Tim to review the Form ADV Part 2A brochures from two different advisory firms he is considering. Hear important key insights from Tim. • What's really behind all the "safe money" infomercials being aired across the country, including many in Central PA? • How many years did it take for the U.S. stock market to recover to its previous high, and what can be learned from this period? • Don from Lancaster wants Tim's opinion regarding a fixed annuity versus laddered CDs. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Do you still believe that investing in individual stocks is wise? Tim refers to an updated academic research paper that provides compelling evidence to the contrary. • Looking to offer a young person a concise, introductory book on the fundamentals of sound investing? Tim shares one potential option. • Sam from Grantville wants advice on some Vanguard funds he is considering investing in. • Dennis shares some of the significant challenges he encountered while assisting a friend's wife with her finances following her husband's recent passing. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• One last reminder to make sure you don't miss the free webinar this week! Details and registration link are below. • William from Camp Hill asks for some clarification on the "10-year rule" for inherited IRA accounts. • Tim shares a recent article that suggests fewer than 5% of financial professionals are truly fee-only fiduciary advisors and discusses what this means to consumers. • Steve from Boiling Springs has questions about his grandson’s interest in investing. • Susan from Mechanicsburg seeks advice on moving money out of her state retirement funds. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Tim announces an upcoming webinar you won't want to miss. • Just how painful has it been to own individual stocks over the last 40 years? You'll be surprised. • Jim from Newport asks about titling all accounts jointly to protect assets from nursing home expenses. • Bob from Iron Springs seeks advice regarding his son's Thrift Savings Plan. • Longtime listener and friend of the show, Joan from Camp Hill, talks with Tim about the purpose of treasuries. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Should your age dictate how you invest? Tim shares an experience he had with new clients last week and discusses the most important variable in determining their allocations. • What is "window dressing," and how can it affect your investment holdings? • Dave from Hershey wants advice on investing in energy stocks. • Why do so many investors have a hodgepodge portfolio instead of a beautifully designed, globally diversified one? Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com. Please enjoy and feel free to share it with your friends and family! Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Idiosyncratic Risk, In investing, some risks have expected rewards while others do not. Tim explains why it's essential for all investors to understand idiosyncratic risk and how it can be avoided.. •Linda from Lancaster asks Tim to summarize the topic of required minimum distributions (RMDs). •Another listener, Kathy from Newville, seeks Tim's advice on opening a Roth IRA for her grandson and what might be a good investment for him. •Dave from Lancaster has some questions about enrolling in Medicare. •Tim provides a very helpful summary of how the recently enacted One Big Beautiful Bill will deliver some welcome tax savings for the majority of seniors age 65 and over. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com.

Halfway Through 2025 •With the first six months of 2025 in the rearview mirror, Tim reinforces some timeless investing lessons related to the year’s news headlines. •A beautiful, globally diversified stock portfolio surged over the first half of this year. Did you get your share of these returns? •Kelly from Harrisburg asks Tim for his thoughts on her contributions to her retirement account. Tim shares why he remains a huge fan of Roth IRA accounts. •Wayne from Camp Hill asks how the new tax bill signed by President Trump may potentially benefit seniors' Social Security. Tim offers some brief comments and promises more information to come. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com.

: Dividends, anyone? •In a follow-up to last week's show featuring Jonathan Clements, Tim shares a quote from Jonathan that aligns remarkably well with his own philosophy, which he has conveyed over several decades. •Dave from Wormleysburg asks Tim for advice about selling a mutual fund after a young advisor called him and suggested that he do so. •Bonnie from Grantville wants Tim's perspective on last week's discussion about Roth IRAs for young people. •Joan, a longtime listener from Camp Hill, shares her thoughts on some of Tim's recent comments. •Dividends, anyone? Tim presents some troubling statistics based on historical data that emphasize the critical importance of reinvesting your dividends; failing to do so could cost you significantly more than you might expect. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com.

• Tim welcomes his friend and special guest, Jonathan Clements, a world-renowned financial columnist and author. • After Jonathan's recent diagnosis of terminal cancer, he wants to share meaningful life lessons and some timeless words of financial wisdom. • Tim highly recommends purchasing Jonathan's newly released book, filled with invaluable financial advice from his many years of writing at The Wall Street Journal. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

• Tim pays a special tribute to his own father on this Father's Day weekend. • In the spirit of Father's Day and the importance of family, Tim shares how he and his wife have recently been touched by an incredible family who has become an integral part of their lives. He also offers some takeaways for all of us. • Cash drag: What is it? Tim discusses why understanding this concept is crucial and how it can impact your investment success over time. He'll continue this topic on next week's show. • William from York shares that their church needs to invest a significant amount and seeks Tim's thoughts and advice regarding the use of socially responsible investments. • Another caller, Stan from Dillsburg, seeks guidance on how long he should retain paper records of his investments. Have a question or comment for Tim? You can call the live show on Saturday mornings from 10:00-11:00 a.m. ET by dialing 717-540-0580. You can also email him anytime at financialfreedom@greenspringadvisors.com. Greenspring Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.