International Markets Surprise, Advanced Charitable Giving & HSA Strategies
Sep 5, 2025
Discover why international stocks are unexpectedly outperforming U.S. markets by over 20%. Delve into advanced charitable giving strategies, comparing donor-advised funds with charitable trusts for maximum impact. Learn key insights on Health Savings Accounts, including common missteps to avoid and how to treat them like a Roth IRA. Plus, explore the emotional challenges of retirement through the lens of a legendary football coach. This mix of finance and life lessons offers a fresh perspective on making your money work smarter.
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question_answer ANECDOTE
Retirement Needs Purpose
Bill Belichick coaching at UNC illustrates the danger of retiring without purpose.
Adam and Andy warn that retirement needs meaningful structure beyond hobbies and money.
insights INSIGHT
International Markets Outpaced The U.S. In 2025
International developed and emerging markets outperformed the U.S. in 2025 by a wide margin through August.
Adam notes international developed equities rose ~23% and emerging ~20% versus the S&P ~10%.
insights INSIGHT
Home Bias Hides Half The Opportunity Set
The U.S. led returns for 15–20 years, but markets rotate and mean-revert.
Andy and Adam stress ignoring ~40% of the global opportunity set risks missing future gains.
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Bill Belichick coaching UNC proves retirement needs purpose, but the real surprise this year has been international markets. Andy and Adam break down why overseas stocks are quietly crushing US returns, plus advanced strategies for charitable giving and health savings accounts.
From Germany leading global markets to donor-advised funds and charitable remainder trusts, this episode covers the sophisticated planning tools that make the biggest impact during income transitions.
We cover:
Why international stocks are up 20%+ while US markets lag
Bill Belichick as a cautionary tale about retirement purpose
Advanced charitable giving: donor-advised funds vs. charitable trusts
The HSA strategy most people get wrong (hint: stop using it as a piggy bank)
Why you can reimburse yourself from your HSA decades later
How to front-load charitable tax deductions in high-income years
⏱️ Timestamps:
(00:00) Bill Belichick's retirement cautionary tale
(02:42) International markets crushing US returns in 2025
(08:19) Why diversification finally paid off
(15:49) Advanced charitable giving strategies
(17:12) Donor-advised funds for tax planning transitions
(21:09) Charitable remainder trusts for concentrated positions
(28:44) The HSA strategy everyone gets wrong
(33:12) Why you should treat your HSA like a Roth IRA
The Burney Company is an SEC-registered investment adviser. Burney Wealth Management is a division of the Burney Company. Registration with the SEC or any state securities authority does not imply that Burney Company or any of its principals or employees possesses a particular level of skill or training in the investment advisory business or any other business. This content is for informational and educational purposes only. It is not intended as personalized investment advice or a recommendation.
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