Common Sense Investing with Victor McClure

Hosted by McClure Capital

Business Investing

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Episodes

432

Latest episode

Aug 2026

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About the show

Victor has been helping families find the financial freedom and confidence they deserve since 1988, the year he returned to his home state of Texas from serving our country in the military. As president and owner of McClure Capital and McClure Capital Advisors, Victor is a financial professional who can offer investment and insurance products and services. Victor shares his financial and retirement expertise on “Common Sense Investing,” which airs weekly. Victor has been using his show to help listeners find solutions to their financial concerns for almost 30 years. Disclosure: Fee-based products and services offered by McClure Capital Advisors Inc., a Registered Investment Advisor (RIA) in the state of Texas. Insurance products are offered by McClure Capital, Inc., an insurance agency in the state of Texas.

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60 recent

August 22, 202642 min

CSI Mailbag: Cash Flow, Risk, and Moving Abroad

This week on the Common Sense Investing Show, Victor McClure and Amy Sharp spent the hour addressing listener questions from the mailbag, covering real-world scenarios about retirement planning, moving abroad, consolidating 401(k) accounts, and navigating long-term care options. Victor shared insights from more than 30 years of experience, highlighting critical factors to consider when planning to retire in another country—such as health care access, cost of living, and the pros and cons of keeping a home base in the U.S. The discussion emphasized the importance of cash flow, stress-testing retirement plans against inflation, market downturns, and unexpected expenses to ensure financial security. Throughout the episode, Victor walked listeners through the evolving landscape of retirement accounts, the role of annuities and other income sources, and the potential risks and benefits of various long-term care solutions, including insurance, life insurance, and annuities. He strongly encouraged regular financial reviews and professional guidance to navigate complex decisions and adapt to changing circumstances. The show concluded with reminders to utilize resources like Victor’s retirement guide and to reach out to McClure Capital for personalized retirement stress tests or advice. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

August 15, 202642 min

Time for a Midyear Checkup & Clearing Up 6 Common Myths About Retirement

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

August 1, 202642 min

The Legacy You Leave Behind

This week on the Common Sense Investing Show, Victor McClure and Steve Ringo focused on the importance of legacy planning—highlighting the striking statistic that 56% of American adults have no will, trust, or power of attorney in place. The team emphasized that life often gets in the way of critical planning, but making sure loved ones are protected is vital. They discussed practical steps like writing a will, selecting beneficiaries, and creating a “family love letter”—a detailed document outlining important account information and instructions to ease the burden on family members after a loss. Real-life stories demonstrated the difficulties families face when legacy plans are missing, especially in the case of unexpected events, and reinforced the urgency of getting these documents in order. The show also covered updates on “Trump accounts,” a new tax-deferred savings vehicle aimed at helping families build multi-generational wealth, discussed common mistakes like misunderstanding retirement account beneficiaries, and explained how to handle legacy assets efficiently. Listener questions ranged from tracking down old 401(k)s after company mergers to the benefits of getting a second professional opinion before and during retirement. Victor and the team reminded listeners that creating a true legacy plan goes beyond a simple will or trust—it means stress-testing your retirement strategy for various scenarios and building a comprehensive, written plan. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

July 25, 202642 min

Active vs. Passive

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

July 18, 202642 min

The Cost of the Life You Want & Top 5 Retirement Questions

This week on the Common Sense Investing Show, Victor McClure and his team took an in-depth look at the real costs of retirement, focusing on how much retirees actually spend each month and the critical importance of positive cash flow. Using recent federal data, the show noted that the average American over 65 spends about $5,120 per month, but many find their actual expenses—especially in areas like housing, taxes, and healthcare—are significantly higher. Victor emphasized that spending, rather than saving, is the real story in retirement planning; regardless of your nest egg’s size, high spending without discipline can quickly erode even substantial savings. The discussion covered strategies like the 4% rule to estimate how much one should save, the impact of inflation over time, and the necessity of maintaining flexibility for unexpected costs. The program also highlighted the importance of diversification and reliable income streams to manage risks such as market volatility, healthcare expenses, and potential changes to Social Security and Medicare. The team advised against carrying debt into retirement, suggested maximizing retirement contributions whenever possible, and underscored the value of written, stress-tested retirement plans that prioritize both cash flow and inflation protection. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

July 11, 202642 min

Cost of Retirement

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

July 4, 202642 min

Mid-Year Check Up

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

June 27, 202642 min

The Early Exit & Roth Conversion Window

This week on the Common Sense Investing Show, guest hosts Steve Ringo and Raymond McClure discussed a USA Today report highlighting that 59% of respondents retired earlier than planned, often due to factors like health setbacks and job loss. They emphasized the importance of proactive retirement planning, noting that unexpected early retirement can significantly impact savings, Social Security benefits, and overall financial security. The hosts encouraged listeners to understand the challenges that come with transitioning from accumulating assets to distributing income, stressing the need for written financial plans and regular portfolio reviews as retirement approaches. The conversation also addressed common misconceptions regarding Roth conversions, underscoring the benefits of personalized strategies versus converting entire retirement accounts at once. Listeners were encouraged to connect with the McClure Capital team for a complimentary retirement stress test to prepare for both planned and unexpected changes in their financial future. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

June 20, 202642 min

Beyond the Market: Modern Strategies for Risk Management and Retirement Success

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

June 13, 202642 min

From Family to Finance: Real Solutions with Victor and Diana McClure

This week on the Common Sense Investing Show, Victor McClure was joined by Diana McClure, Victor’s wife and an important member of the McClure Capital team. With Steve Ringo out, Diana shared her evolving role—from office management to directing the firm’s rapidly growing video and social media efforts, including outreach to the Hispanic community. The show highlighted the value of connecting through multiple platforms, the benefits of bilingual services, and the importance of being proactive about retirement planning. The hosts emphasized the firm’s approach to providing no-cost retirement stress tests and the hands-on support available for client questions and second opinions. The show also featured answers to listener questions on major retirement topics. Victor addressed long-term care insurance, explaining pros and cons of various options and stressed the need to run the numbers before making decisions. Other topics included strategies for retiring during layoffs, contributing to grandchildren’s education without jeopardizing one’s own retirement, and assessing retirement dreams like opening a bed and breakfast. Throughout, the team underscored the importance of comprehensive planning, continual learning, and honest client communication. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/