Something More with Chris Boyd

Hosted by J. Christopher Boyd

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582

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Oct 2026

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About the show

Something More with Chris Boyd is Cape Cod's financial podcast. The show covers a wide variety of financial topics with the goal of educating and entertaining.

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60 recent

November 5, 202633 min

Preparing for Year-End Markets: Balancing Risk, Rates, and Opportunity

What should investors be watching as we approach year-end, and how should changing interest rates, market concentration, and uncertainty about future economic growth influence the way we think about portfolios?On this episode of Something More with Chris Boyd , Chris is joined by senior portfolio manager Brian Regan, CFA, MBA, for a timely discussion about the forces shaping today's markets. They examine the significant move higher in interest rates, the extraordinary influence of AI-related and semiconductor stocks, and why those developments prompted the AMR team to reduce some of its exposure to areas of the market that had performed exceptionally well.The conversation also looks beyond today's economic numbers to ask an important question: Where will the next stage of growth come from? Chris and Brian discuss the health of the consumer, employment, credit conditions, AI investment, government spending, and the challenges facing housing and borrowing. They also explore both sides of the outlook, including how lower rates, continued employment strength, and greater AI-driven productivity could create opportunities.Finally, they turn to portfolio strategy, including managing bond duration in a volatile rate environment, seeking diversification beyond traditional stocks and bonds, and balancing long-term participation in the market with thoughtful risk management. For investors preparing for year-end and looking ahead to 2027, the central message is not about predicting every market turn. It is about recognizing when conditions change, managing risk deliberately, and maintaining a long-term perspective.

October 28, 202625 min

When is it safe to share your social security number?

Your Social Security number is one of the most important pieces of personal information you possess, but do you know when it's actually appropriate to share it?In this episode of Something More with Chris Boyd , Chris Boyd is joined by Luke Bagley and Russ Ball for a practical conversation about identity theft, cybersecurity, and the growing sophistication of modern scams. What starts as a discussion about Social Security numbers quickly expands into a broader look at the tactics fraudsters use to gain access to personal and financial information.The team explores common situations where people are asked to provide their Social Security number and why some requests deserve closer scrutiny than others. They discuss everything from job applications and healthcare providers to charitable organizations and online accounts, highlighting the importance of understanding why sensitive information is being requested before providing it.Along the way, they share real-world examples of phishing attempts, fraudulent websites, impersonation scams, and deceptive phone calls that appear legitimate at first glance. Most importantly, they offer practical strategies for protecting yourself, recognizing warning signs, and responding quickly if your personal information has been exposed.In a world where scams continue to evolve, developing healthy skepticism and good security habits can be one of the best defenses against identity theft and financial fraud. #Cybersecurity #IdentityProtection #FinancialPlanning #RiskManagement #FraudPrevention #FinancialWellness #PersonalFinance #RetirementPlanning

October 23, 202632 min

Higher Rates, Inflation, and the Changing Role of Bonds

What happens when the market's expectations shift from interest rate cuts to interest rate hikes? And what does that mean for investors trying to position their portfolios in an increasingly uncertain environment?In this episode of Something More with Chris Boyd , Chris is joined by Brian Regan to unpack the rapidly changing interest rate landscape and the challenges facing both bond and stock investors. They discuss why inflation has remained stubbornly elevated, how Federal Reserve policy is evolving, and what rising rates could mean for everything from Treasury bonds to high-yield debt and equity valuations.The conversation explores the relationship between inflation, bond yields, and portfolio construction. Chris and Brian take a closer look at duration risk, real returns, Treasury Inflation-Protected Securities (TIPS), floating-rate investments, private credit, and the role cash can play when uncertainty is high. They also examine how AI-driven capital spending, government deficits, labor market dynamics, and geopolitical developments may continue influencing markets in the years ahead.Whether you're evaluating your fixed-income allocation, wondering how bonds fit into your financial plan today, or simply trying to better understand the forces driving today's markets, this episode offers thoughtful perspective and practical insights for navigating a higher-rate environment. #FinancialPlanning #PortfolioManagement #WealthManagement #FixedIncome #InterestRates #InvestmentStrategy #RetirementPlanning #AdvisorInsights

October 21, 202636 min

Estate Planning Is for Everyone: Wills, Trusts, and the Decisions That Matter

Many people assume estate planning is only for the wealthy. In reality, estate planning is about much more than passing assets to the next generation. It's about protecting loved ones, making important decisions in advance, and creating clarity during life's unexpected transitions.In this episode of Something More with Chris Boyd , Chris Boyd is joined by Kate Maier, Vice President, Private Client in Wealth Enhancement Group's Advanced Planning department, for a thoughtful conversation about why estate planning matters for nearly everyone. Together, they explore the essential building blocks of a comprehensive estate plan, including wills, trusts, healthcare directives, durable powers of attorney, and beneficiary designations.Chris and Kate discuss some of the most common estate planning mistakes, from failing to keep documents current to relying on informal strategies that can create tax issues, family conflict, or unintended consequences. They also explain the differences between wills and trusts, the role of revocable and irrevocable trusts, and why major life events such as marriage, divorce, retirement, relocation, or the birth of a child should prompt a review of existing plans.The conversation concludes with a discussion of wealth.com , a resource available to help clients better understand existing estate documents, identify potential planning issues, and take meaningful steps toward creating or updating their estate plans. Whether your estate is simple or complex, this episode offers practical guidance on protecting your wishes and helping ensure your loved ones are cared for according to your intentions.

October 7, 202632 min

Is the Stock Market Expensive? A Better Way to Measure Value

Is the stock market truly expensive, or are investors relying too heavily on one familiar metric?Chris Boyd is joined by senior portfolio manager Brian Regan and advisor Luke Bagley to revisit last year’s market outlook and examine how conditions have changed. Brian explains why the price-to-earnings ratio alone does not provide a complete picture of market value. Interest rates, credit spreads, earnings growth, company quality, and long-term expectations can all influence whether stocks offer an attractive potential return.The conversation also explores today’s elevated risks, including narrow market leadership, the market’s dependence on technology and semiconductor companies, higher interest rates, geopolitical uncertainty, and pressure on consumer spending. While a correction may be more likely than it was a year ago, the discussion emphasizes that market outcomes are never guaranteed and that short-term forecasts should be viewed with humility.Finally, the team explains how these conditions are influencing portfolio positioning, including shorter-duration fixed income, option-based strategies, selective international exposure, and a more conservative approach designed to preserve flexibility if better opportunities emerge. #MarketOutlook #InvestmentStrategy #PortfolioManagement #MarketValuation #FinancialPlanning #WealthManagement #RiskManagement

September 27, 202618 min

Inheriting a Home or IRA? What to Consider Before You Act

What happens when an inheritance arrives with more questions than answers? While an inheritance is often intended as a meaningful gift, it can also bring unexpected financial, tax, and family complexities. In this episode, Russ Ball and Luke Bagley explore some of the most important considerations when inheriting assets, particularly real estate and retirement accounts. The conversation begins with inherited homes and the challenges families may encounter when multiple beneficiaries share ownership. From ongoing maintenance costs and property taxes to differing goals among siblings, an inherited property can quickly become more complicated than many people expect. Russ and Luke also discuss the concept of a step-up in cost basis and why the way a home is transferred can have significant tax consequences for heirs. The discussion then shifts to inherited IRAs, including important rules surrounding distribution requirements, the 10-year withdrawal period for many non-spouse beneficiaries, and how thoughtful tax planning can help reduce unnecessary surprises. Throughout the episode, they emphasize the importance of slowing down during emotionally difficult times and seeking guidance before making major financial decisions. Whether you're expecting an inheritance, helping aging parents prepare their estate plan, or simply want to avoid costly mistakes, this episode offers valuable insights to help you make informed decisions when the time comes.What inheritance planning issues do you see families overlook most often? #FinancialPlanning #EstatePlanning #RetirementPlanning #WealthManagement #InheritancePlanning #FinancialAdvice #TaxPlanning #PersonalFinance

September 22, 202626 min

A Job in Retirement: Purpose Beyond the Paycheck

Retirement is often viewed as the finish line, but what happens after the celebrations, travel plans, and long-awaited freedom from work? For many retirees, one of the biggest challenges is not financial. It is finding purpose, routine, and meaningful ways to spend the days ahead.In this episode, Chris Boyd, Russ Ball, Luke Bagley, and Brian Regan explore why so many people choose to continue working in some capacity during retirement, even when they do not need the income. From teaching and mentoring to tour guiding, coaching, pet sitting, and part-time retail work, they discuss how retirement jobs can provide social connection, intellectual stimulation, physical activity, and a renewed sense of identity.The conversation highlights an often-overlooked aspect of retirement planning: preparing for your lifestyle after work, not just your finances. The team examines how part-time work, volunteering, or passion projects can help retirees build structure, stay engaged, and ease the transition from a busy career into the next chapter of life. Brian also shares his experience teaching at the college level and why the social interaction, mental engagement, and opportunity to connect with students make it rewarding beyond the paycheck.Whether you're years away from retirement or already thinking about what comes next, this episode offers practical insights into creating a retirement that's not only financially secure, but personally fulfilling. #RetirementPlanning #FinancialPlanning #RetirementLifestyle #PurposeDrivenRetirement #WealthManagement

September 16, 202629 min

AI Doomsday or Sensible Caution? What Investors Should Really Be Thinking About

AI is changing the world at an extraordinary pace, but what happens if the technology advances faster than our ability to control it? Recent warnings from AI researchers and industry leaders have reignited concerns about everything from cybersecurity risks to the possibility of unintended consequences from increasingly autonomous systems.In this episode of Something More with Chris Boyd , Chris Boyd, Brian Regan, Russ Ball, and Luke Bagley discuss the growing debate around artificial intelligence and the concerns that have captured headlines. The conversation explores why some prominent AI experts are urging caution, what recent developments in autonomous AI systems could mean for the future, and whether calls for regulation or a slowdown in development are realistic in a globally competitive environment.The discussion also shifts to what investors should be paying attention to. If AI spending has become a major driver of economic growth and market performance, what happens if that pace slows? The team examines possible implications for technology companies, semiconductor manufacturers, data center development, inflation, interest rates, and portfolio positioning.Most importantly, the episode emphasizes the value of staying thoughtful and measured when responding to uncertainty. Whether the concern is artificial intelligence, market volatility, or broader economic change, successful investing often depends less on reacting to headlines and more on maintaining a disciplined strategy aligned with long-term goals. #ArtificialIntelligence #Investing #FinancialPlanning #Markets #Technology #WealthManagement #PortfolioManagement #EconomicOutlook #RetirementPlanning #SomethingMoreWithChrisBoyd

September 11, 202628 min

Football and Finance: Making the Most of Your Earning Window

What can NFL contracts and salary-cap decisions teach us about our own financial lives?In this episode of Something More with Chris Boyd , Chris Boyd, Luke Bagley, Russ Ball, and Brian Regan combine the excitement of football season with a thoughtful discussion about financial planning. They examine why enormous contract figures do not always tell the full story and why a short earning window can make careful planning especially important.Topics covered include:• How NFL salaries, guaranteed money, and signing bonuses work • Why quarterbacks command many of the league’s largest contracts • How teams use the salary cap and contract restructuring • The financial risks associated with short or injury-affected careers • Why high earnings do not necessarily result in lasting wealth • The importance of saving during peak earning years • Financial pressures facing families with childcare or college expenses • How patience and long-term planning can create greater flexibility later in lifeYou do not need a professional athlete’s salary to benefit from these lessons. Making the most of your earning window means understanding your priorities, preparing for changing expenses, and giving your money the opportunity to work for you over time.Subscribe for more conversations about financial planning, investing, retirement, and the quality-of-life issues that make money matter. #FootballAndFinance #FinancialPlanning #NFLContracts #SalaryCap #MoneyManagement #WealthBuilding #RetirementPlanning #PersonalFinance #SomethingMoreWithChrisBoyd

September 8, 202625 min

Clean Up Your Financial Junk Drawer: 5 Ways to Simplify Your Financial Life

Just like our homes accumulate clutter over time, our financial lives often do too. Old retirement accounts, forgotten investment holdings, multiple banking relationships, outdated beneficiary designations, and disconnected financial strategies can quietly create unnecessary complexity and stress. In this episode of Something More with Chris Boyd , Chris is joined by Russ Ball and Luke Bagley to discuss five practical ways to simplify your financial life and improve financial organization. The conversation explores how years of career changes, investment decisions, and life events can leave people with a collection of accounts that no longer align with their goals. They explain why consolidating old retirement accounts, reviewing legacy investments, simplifying banking relationships, updating ownership and beneficiary structures, and creating a more coordinated financial strategy can make a meaningful difference. The discussion goes beyond convenience. Simplification can improve tax efficiency, help families stay organized, reduce the burden on surviving spouses and loved ones, and provide greater clarity about long-term financial goals. The team also highlights the value of creating a more integrated investment approach where accounts work together instead of operating in isolation. Whether you're preparing for retirement, managing inherited assets, or simply looking to get more organized, this episode offers practical ideas to help reduce financial clutter and create greater confidence in your financial future. As mentioned in the episode, we're also hosting our upcoming seminar series on strategies for addressing concentrated wealth and capital gains concerns. Register here: Unlocking Value Without Unnecessary Tax Burden #FinancialPlanning #WealthManagement #RetirementPlanning #EstatePlanning #TaxPlanning #FinancialAdvisor #InvestmentStrategy #FinancialWellness #WealthEnhancement #Leadership