Henssler Money Talks

Hosted by Henssler Financial

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552

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Oct 2026

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About the show

Henssler Money Talks is your trusted resource for your money, your future, your life. We discuss current market conditions and financial planning encompassing spending, saving, taxes, investments, insurance, retirement, estate plans, and more. We are here to answer your financial questions—email drgene@henssler.com or call 1-855-429-9166. Money Talks: Your trusted resource for your money, your future, your life.

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October 17, 2026Episode 4244 min

October 17, 2026: Money, Morals, and the Fine Print

How much control should you have over where your money is invested, and what happens when your financial decisions come with restrictions? We start with Trump Accounts, examining the investment limitations, questions surrounding donated shares, and what parents should understand about how their children's money is invested. From there, we broaden the conversation to the moral dilemma of investing. Can you align your portfolio with your personal values without compromising diversification or investment performance? And does avoiding certain stocks actually influence corporate behavior? Then, we turn to real estate and answer three listener questions about the capital gains exclusion on home sales. From the tax implications of converting a rental into a primary residence to what longtime homeowners should consider when appreciation pushes their gains beyond the exclusion limits, we're examining the rules, tradeoffs, and financial decisions that aren't always as straightforward as they seem. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — October 17, 2026 | Season 40, Episode 42 Timestamps and Chapters 6:44: Trump Accounts: Investing with Limits 16:02: The Moral Dilemma of Investing 27:49: The Fine Print on Home Sale Profits Follow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

October 13, 2026Episode 418 min

The Silver Lining of Higher Interest Rates

When was the last time investors had an opportunity to lock in attractive bond yields while the stock market was also performing well? With certain fixed-income investments offering yields above inflation, today’s market conditions may present an opportunity to replenish liquidity reserves. The “Henssler Money Talks” hosts discuss how the Henssler Ten Year Rule helps investors prepare for future spending needs and why U.S. Treasurys may be particularly appealing in the current environment. Original Air Date: October 10, 2026 Read the Article: https://www.henssler.com/the-silver-lining-of-higher-interest-rates

October 10, 2026Episode 4156 min

October 10, 2026: Paying More, Earning More, and Knowing When to Cash Out

As vehicle prices continue to climb, consumers are stretching their loans to seven, eight, and even nine years to make monthly payments more manageable. But what does that extended financing really cost? We examine the financial consequences of longer auto loans before turning to the opportunities higher interest rates may present for savers. With certain fixed-income investments offering yields above inflation, we discuss why a strong stock market and attractive bond yields could make this an opportune time to replenish liquidity reserves under our Ten Year Rule. Plus, we tackle two listener questions involving company stock and decisions that could have significant financial consequences. First, if you're retiring with highly appreciated employer stock in your 401(k), should you roll it into an IRA or transfer it to a taxable brokerage account? We explain how net unrealized appreciation (NUA) works and the tax considerations that could influence that decision. Then, when a company announces an all-cash acquisition, why does its stock continue trading below the agreed-upon purchase price? We explore whether investors should sell before the deal closes, hold out for the full buyout price, or consider buying additional shares to capture what looks like an easy return—and the risks that could make that opportunity less certain than it appears. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — October 10, 2026 | Season 40, Episode 41 Timestamps and Chapters 6:01: 84 Months and Still $700 a Month? 26:43: When Higher Rates Work in Your Favor 35:31: Before You Roll Over That Company Stock 46:03: The Buyout Premium: Is It Free Money? Follow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

October 6, 2026Episode 4011 min

You Can Afford the Purchase, but How You Pay Matters

The “Henssler Money Talks” hosts build on last week’s conversation about allowing yourself to spend your retirement savings: When your financial plan says you can afford a major purchase, which account should pay for it? We weigh the tax consequences of tapping a traditional IRA against using Roth assets that could continue growing tax-free for you or your heirs. Original Air Date: October 3, 2026 Read the Article: https://www.henssler.com/you-can-afford-the-purchase-but-how-you-pay-matters

October 3, 2026Episode 4050 min

October 3, 2026: Consumer Divides, Buyback Billions, Rate Hikes & Roth Decisions

This week, we look at what’s happening beneath the market headlines — from a widening divide among consumers to the impact of higher interest rates on different parts of the market. We examine why consumer discretionary stocks may not tell the full story about spending, how the K-shaped economy is creating winners and losers even among close competitors, and what NVIDIA’s massive $150 billion share-buyback authorization actually means for investors. We also answer a listener’s question about whether higher rates put Small- and Mid-Cap companies at a disadvantage and whether shifting toward Large Caps after a Fed move risks reacting too late. Finally, we dovetail off of last week’s conversation on allowing yourself to spend your retirement funds: When your financial plan says you can afford a major purchase, which account should pay for it? We weigh the tax consequences of tapping a traditional IRA against using Roth assets that could continue growing tax-free for you or your heirs. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — October 3, 2026 | Season 40, Episode 40 Timestamps and Chapters 6:37: The Consumer Divide: K-Shaped Spending and a Split Discretionary Sector 20:29: Stock Buybacks: What NVIDIA’s Record $150B Authorization Means 30:24: Do Rate Hikes Hurt Small- and Mid-Cap Stocks More? 38:11: Whose Roth Is It Anyway? Follow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

September 29, 2026Episode 3921 min

From a Lifetime of Saving to a Retirement of Spending

Can you actually be too good at saving for retirement? After decades of building wealth, some retirees find that spending it is harder than saving it. This week, the “Henssler Money Talks” explore how a long-term financial plan can help determine when you have room to spend, give and enjoy more of what you’ve accumulated—and give yourself permission to do it. Original Air Date: September 26, 2026 Read the Article: https://www.henssler.com/from-a-lifetime-of-saving-to-a-retirement-of-spending

September 26, 2026Episode 3948 min

September 26, 2026: Spending Down, Scoring Up & Rising Rates

Can you actually be too good at saving for retirement? This week, we explore why some retirees struggle to spend the wealth they spent decades accumulating, and why a thoughtful spending and gifting plan can be just as important as a savings plan. Next, mortgage lending is getting a new credit score. We break down VantageScore 4.0, how it differs from the traditional FICO scores long used for mortgages, and what the change could mean for homebuyers — particularly those with limited credit histories. Finally, the Federal Reserve raised interest rates last week, but what mattered to investors was what the move — and the Fed’s outlook — could mean from here. We look at the market’s reaction, along with AI’s continued influence on market performance and the questions investors should keep in perspective. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — September 26, 2026 | Season 40, Episode 39 Timestamps and Chapters 5:27: Permission to Spend 27:14 Mortgage Lending Gets a New Score 38:11: Higher Rates, AI Momentum Follow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

September 22, 2026Episode 3821 min

Retirement Plans: Good for Employees, Good for Business

A 401(k) can do more than help employees save for retirement. Thoughtful plan design can support a business owner’s retirement goals, strengthen the company’s benefits package, and give employees meaningful opportunities to save. Director of Business Development, Justin Wagner, AIF®, joins "Henssler Money Talks" to look at how plan design, investment choices, and employee education can work together to create a retirement benefit that reflects the needs of the business and its workforce. Original Air Date: September 19, 2026 Read the Article: https://www.henssler.com/retirement-plans-good-for-employees-good-for-business

September 20, 2026Episode 3854 min

September 19, 2026: Retirement Plans, Rate Hikes & Rogue AI

What makes a workplace retirement plan worthwhile for everyone involved? Director of Business Development and retirement services expert Justin Wagner, AIF®, joins us to explain how a plan can be designed around a company’s goals, creating opportunities for business owners to save for retirement while helping attract, retain, and support employees. We also look at what happens after the plan is established and how employers can help their teams understand and use the benefit. Then, we take a deeper dive into a busy stretch for markets. With inflation progress showing signs of stalling, Treasury yields near levels not seen since 2007, and oil prices adding another wrinkle to the Federal Reserve’s decision-making, we examine what investors are watching. Plus, as increasingly powerful AI models raise new questions about autonomy and safeguards, we discuss why some technology leaders are calling for a more measured pace of development. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — September 19, 2026 | Season 40, Episode 38 Timestamps and Chapters 4:28: Retirement Plans: Good for Employees, Good for Business 2625: Market Roundup: Rates, Risks & Rogue AI Follow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

September 15, 2026Episode 3724 min

Keeping Your Estate Plan in Step with Your Life

Kyle Rinaudo of Reeves Law, P.C., joins the “Henssler Money Talks” hosts to discuss when your estate plan may need attention. From marriage, divorce, and growing families to outdated beneficiaries, business succession, and even digital assets, we explore why an estate plan shouldn’t simply be created and forgotten. Original Air Date: September 12, 2026 Read the Article: https://www.henssler.com/keeping-your-estate-plan-in-step-with-your-life