Real Money Pros

Money: you make it, you want more of it, and you want to protect it. We are The Real Money Pros, a show hosted collaboratively by experts who specialize in investing, financial and estate planning, taxes, insurance, and any other way to grow wealth. Plus, we make it fun! We help you know good advice from bad – especially when everyone seems to want a piece of your money.

Real Money Pros is a business podcast hosted by The Real Money Pros, with 100 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

The Real Money Pros hosts Real Money Pros, a business show with 100 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Real Money Pros

  Your Retirement Plan Works. But Will It Hold Up?

  Sep 3, 202630 min

  Your retirement projection is green. The Monte Carlo analysis shows a 95% probability of success. Everything looks good. So what could still go wrong? A retirement plan is only as good as the assumptions behind it—and real life rarely follows those assumptions perfectly. In this episode, we look beyond investment returns at some of the risks that can change an otherwise strong retirement plan: long-term care, the early death of a spouse, living longer than expected, helping family, lifestyle creep, liquidity problems, market declines early in retirement, and changing tax laws. More importantly, we discuss how these risks can actually be incorporated into the planning process through stress testing, liquidity planning, appropriate investment risk, and regularly updating the assumptions behind the plan. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

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  Real Money Pros

  What Does a Great Financial Plan Actually Look Like? with Bob Ruelle (8/29/2026)

  Aug 31, 20262h 4m

  What does financial planning actually mean beyond managing an investment portfolio? Jeremiah Bates and Nic Daniels are joined by Bob Ruelle, Senior Vice President of Financial Planning at Apollon Wealth Management, to walk through how an experienced planner approaches a client's entire financial picture. Bob explains why good planning starts with understanding a person's goals, lifestyle, concerns and priorities before recommending anything—and why the financial plan itself should ultimately be the benchmark for whether a strategy is working. The guys cover tax planning, Roth conversions, retirement withdrawal strategies, RMDs, Social Security, Medicare IRMAA, insurance, risk management and estate planning—and, more importantly, how those decisions affect one another. Bob explains why a good financial plan organizes your finances, while a great one connects them, prioritizes the biggest opportunities and continues evolving as life changes. Later, they discuss common estate-planning mistakes, including outdated trusts and assets that were never properly titled. A caller whose husband is incapacitated after a bicycle accident brings the importance of powers of attorney and incapacity planning into real life. And to wrap it up, whether it can make sense to give children part of their inheritance while you're still alive, including annual gift exclusions, gift-tax reporting, appreciated property, cost basis and the tradeoffs between gifting assets now versus leaving them at death. Listen, Watch, & Connect! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

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  Real Money Pros

  No Obvious Heirs? Your Estate Plan May Look Very Different

  Aug 27, 202619 min

  Estate planning is often built around a familiar structure: your spouse makes decisions for you, your children eventually inherit your assets, and a responsible family member serves as executor or trustee. But what happens when you don't have children—or an obvious person to fill those roles? In this episode, we discuss how estate planning changes when there aren't default answers. Who should make financial or healthcare decisions if you're incapacitated? Who should administer your estate? And if leaving a traditional inheritance isn't part of the plan, what do you actually want your wealth to accomplish? The conversation also explores how professional fiduciaries may fit into the picture, different ways to think about legacy beyond children, and why having no major inheritance goal can create a very different retirement-spending conversation. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

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  Real Money Pros

  Where Investors Go From Here with Eric Sterner - AI, Healthcare, Private Markets & Portfolio Strategy (8/22/2026)

  Aug 24, 20262h 4m

  Brian Wiley and Alexandra Lundgren are joined by Eric Sterner, Chief Investment Officer at Apollon Wealth Management, for an extended conversation on portfolio strategy and where he sees opportunities developing across the investment landscape. Eric discusses why the AI investment story extends well beyond technology stocks, with potential beneficiaries across healthcare, utilities, industrials, materials and the infrastructure needed to support continued AI growth. The conversation also explores healthcare and biotech, portfolio diversification, private equity and private credit, and the tradeoffs investors should understand before allocating money to alternative investments. A listener considering SpaceX and XRP brings the discussion back to fundamentals: building emergency savings, using diversified investments as a foundation, and keeping speculative investments in perspective. The final hour shifts to insurance and risk management, including term versus permanent life insurance, IULs, annuities, long-term care and disability coverage, and what an insurance company's "guarantee" actually means. Listen, Watch, & Connect! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

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  Real Money Pros

  Should You Pay the Tax or Take on Debt?

  Aug 20, 202623 min

  You need cash for a major purchase or investment opportunity. You could sell appreciated investments and potentially trigger capital gains taxes—or borrow the money and leave your investments alone. Borrowing can sound like the obvious choice. After all, loan proceeds generally aren't taxable income. But what happens when it's time to pay the loan back? In this episode, Nic breaks down the planning behind selling investments versus borrowing, including when debt can be an effective short-term tool, when paying the tax may actually leave you better off, and why avoiding taxes today shouldn't be the only goal. The takeaway: Don't just compare taxes today. Consider interest, risk, time frame, repayment, and how the decision fits into your overall financial plan. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

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