The Long Term Investor

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Simple investing is usually the right starting point. But after you build meaningful wealth, concentrated positions, large taxable gains, and estate-planning decisions can create problems a basic portfolio may not solve. In this episode, Peter explains how to decide when added complexity deserves a closer look—and when it does not.
Listen now and learn:


► Why simplicity can become a blind spot for successful investors
► The practical test every complex strategy should have to pass
► How newer investment tools are changing what is possible
► Why experience and due diligence matter more than access alone
 
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

 
Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.
The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.
References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.
Please see disclosures here.

Leave a review of the show and get a free copy of David Booth's new book! Just reply to my email after signing up at www.peterlazaroff.com/newsletter 
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Index funds made sensible investing available to almost everyone. But they didn't make it easy to stay calm. Dimensional founder David Booth joins me to explain why—and discuss his new book, Stay Calm.
Listen now and learn:


► The surprising disconnect between index funds and investor behavior
► What an early leveraged-index experiment taught David about investing in the real world
► How to distinguish thoughtful adaptation from emotional tinkering
► Why the hardest money decisions may begin after you have accumulated enough
 
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)
 
Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.
The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.
References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.
Please see disclosures here.

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Making smart financial choices is easier when the rules are clear. But what happens after you've saved consistently, invested well, and built meaningful wealth—yet several reasonable paths remain? This episode explores how financial planning changes when the checklist runs out and judgment takes over.
Listen now and learn:


► Why knowing your net worth may not answer your most important financial question
► How individually sensible decisions can work against one another
► When added complexity improves a financial plan—and when it gets in the way
► What decades of financial discipline should ultimately make possible
 
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)
 
Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.
The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.
References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.
Please see disclosures here.

Your future deserves more than guesswork. Use our calculator to see the potential value of professional planning.
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Smart investors can build low-cost, diversified portfolios—and still make costly mistakes. Vanguard senior portfolio strategist Liz Muirhead joins me to examine where investors get tripped up and why the most valuable parts of investment management are often the hardest to see.
Listen now and learn:


► What investors commonly overlook when comparing individual bonds and bond funds
► Why indexing, factor investing, and stock picking test discipline in different ways
► How taxes, rebalancing, and market volatility create hidden decision points
► Where a financial advisor can add value beyond choosing investments
 
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)
Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.
The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.
References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.
Please see disclosures here.

Your future deserves more than guesswork. Use Plancorp's calculator to see the potential value of professional planning and get an idea of your annual advisory cost.
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Get updates for my new book here: https://Theperfectportfoliobook.com 
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Financial advisor fees look simple until you ask what the fee actually buys. This episode  compares hourly, flat-fee, and AUM pricing—and explains why the number alone tells you surprisingly little. Learn how to evaluate cost, service, conflicts, and accountability before choosing an advisor.
Listen now and learn:
 
► What hourly, flat-fee, and AUM arrangements change beyond the bill
► The incentives and blind spots different compensation models can create
► Why similar-looking fees can buy very different levels of service
► The questions that reveal what you're really paying an advisor for



Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
 
Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)
 
Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.
The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.
References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.
Please see disclosures here.