Tall Oaks Podcast

Markets don’t erase risk—they convert it. We take that idea and rebuild a portfolio playbook for a debasement era, where traditional bonds feel shaky, equities look priced for exogenous gains, and investors are piling into gold, Bitcoin, and “boomer candy” buffered ETFs. We unpack what each tool actually does: the three jobs bonds used to do, why gold protects purchasing power but can’t fund groceries, how Bitcoin’s inelastic supply plus ETF flows can drive hyperbolic moves, and where structured products smooth the ride while quietly deleting the income you need in retirement.We get practical about funding real life. If you’re retiring into the wrong year of a 10‑year cycle, you can’t depend on selling principal during a 20% drawdown. That’s where endogenous return—cash flows from within contracts—earns its keep. We contrast hedged equity and buffered ETFs with a simple beta/cash mix, call out the half‑beta reality many products deliver, and explain when behavior and taxes justify overlays. On the opportunity side, we map contrarian signals: underallocated advisors, crowded shorts, and what euphoria actually looks like before the music stops. Small‑cap value’s long winters and sudden springs remind us that returns arrive in lumps; the job is staying funded and sane until they do.We also zoom out to decision design. Spot the real Ponzi red flags (steady high monthly “income,” key‑person trading, hidden leverage) and size speculation like a venture bet, not a paycheck. Then apply portfolio thinking to your calendar: outsource low‑ROI tasks to buy family time and reduce injury risk in your “go‑go” years, and be intentionally frugal or intentionally spendy in line with your values. Want more unvarnished research and planning help from people who live this every day? Subscribe, share with a friend who needs a better plan, and leave a review to tell us which risk you’re choosing on purpose.Find Du Charme Wealth Management here:https://ducharmewealth.com/[00:00:00] Risk As Energy, Not Elimination[00:04:50] Why Gold Helps And Where It Fails[00:09:30] Positioning, Euphoria, And Contrarian Signals[00:14:20] Small Value, Lumpy Returns, And Patience[00:19:05] Buffered ETFs, Hedged Equity, And Hidden Tradeoffs[00:23:45] Behavior, Beta, And Portfolio Construction[00:31:10] Intentional Frugality And Risk In RetirementDISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

The name Tall Oaks isn’t branding fluff; it’s a promise rooted in a family farm, two brick pillars, and a plaque that reminded us every day that great things grow slowly. We’re opening the door wider with a rebrand designed to welcome learners at every stage—those ready for a full planning relationship and those just starting to build their financial footing—so more people can access steady, no-hype education.We lay out what Tall Oaks stands for today: stability over sizzle, education over noise, and a toolkit that spans investing, behavioral finance, insurance basics, estate planning, and tax-aware choices. Expect conversations with first-time homebuyer pros and seasoned hedge fund managers, honest takes on crypto and real estate, and a filter against clickbait. The test for every topic is simple: does this help someone build, preserve, or pass on wealth? If you value reasonable expectations, thoughtful risk, and plans you can actually stick to, you’re in the right place.We also extend two invitations. Advisors who align with deep planning and client-first values—reach out and connect. Listeners with questions or topics—send them. Share links you’re unsure about and ask, “Is this legit?” We’ll bring clear thinking and long-term perspective to every answer. If this resonates, follow the show, share it with a friend, and leave a quick review so more people can find Tall Oaks and start planting their own.Find Du Charme Wealth Management here:https://ducharmewealth.com/[00:00:00] Disclaimers & New Purpose[00:00:51] Why Rebrand to Tall Oaks[00:03:02] The Family Origin Story[00:05:11] The Farm, Vision, and Risk[00:07:35] The Sweet Corn MBA[00:09:10] Saving, Interest, and First Stocks[00:10:32] Lessons That Shape a Career[00:10:33] Invitation to Fellow Advisors[00:11:00] Intergenerational Wealth in Practice[00:12:26] Why Tall Oaks Matters[00:14:05] Long-Term Thinking Over Hype[00:16:20] Education First, Topics Ahead[00:20:35] Listener Questions & How to Engage[00:22:00] Gratitude and Next ChapterDISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

Financial simplicity serves as a powerful defense against exploitation by the complex financial system. When you're just starting your wealth-building journey, focusing on fundamentals creates more lasting success than chasing complicated strategies or products.• Dave Ramsey's coaching process focuses more on coaching the person than their money• The first baby step of saving $1,000 emergency fund creates immediate psychological wins• The debt snowball method tackles smallest debts first while maintaining minimum payments on larger obligations• Even small emergency funds prevent unexpected expenses from derailing your budget or forcing new debt• Workplace retirement plans like 401(k)s remain powerful wealth-building tools with employer matches providing guaranteed returns• Term life insurance offers affordable protection without the complexity and high costs of permanent policies• Disability insurance protects your most valuable asset—your income—and is statistically more likely to be needed than life insurance• Generational wealth transfer works best when values and knowledge are passed down, not just money• Being intentional with your money means spending on what truly matters to you rather than seeking instant gratification• Financial coaching helps identify spending habits you might not even realize are impacting your wealth-building potentialIf you have questions or want us to review your investment statements, please reach out through our website at ducharmewealthcom. We're always happy to provide consultations for our listeners and can work with clients across all 50 states.Find Du Charme Wealth Management here:https://ducharmewealth.com/[00:00:00] Financial Simplicity vs System Exploitation[00:16:41] Dave Ramsey Process: Personal Coaching[00:30:39] Baby Steps: Emergency Funds & Debt Snowball[00:54:21] 401(k) Plans: Free Money & Low-Cost Options[01:10:51] Insurance Planning: Term Life vs Permanent[01:36:14] The Coaching Process: Behavioral Change[01:49:53] Generational Wealth: Values Over MoneyDISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

Igor shares his expertise on financial planning tailored specifically for creative professionals and freelancers, addressing the unique challenges they face without traditional employment structures. He breaks down four critical areas where self-employed individuals need focused attention: managing irregular income, choosing appropriate business entities, navigating health insurance options, and implementing effective retirement planning strategies.• Using the Profit First method to manage irregular income by separating business and personal finances• Building an adequate emergency fund of 3-6 months of expenses or more• Considering the true costs and benefits of different business entities like LLCs and S-Corps• Exploring health insurance options beyond ACA marketplace plans• Understanding association plans, union plans, and COBRA continuation coverage• Setting up retirement accounts specifically designed for self-employed individuals• Utilizing SEP IRAs for simplicity or Solo 401(k)s for potentially higher contribution limits• Avoiding the common trap of over-deducting business expenses at the expense of retirement savings• Remembering that Social Security alone will not provide a comfortable retirement• Finding a good tax preparer who understands self-employment complexitiesFind Du Charme Wealth Management here:https://ducharmewealth.com/[00:00:00] Intro to Financial Planning for Creatives[00:06:40] Managing Irregular Income Effectively[00:12:52] Business Entity Structure Decisions[00:19:54] Health Insurance Options for Freelancers[00:26:30] Retirement Planning for Self-Employed[00:38:53] Final Tips and Concluding ThoughtsDISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

Investment decisions should always be contextual, reflecting individual circumstances, goals, and values rather than following generic advice from social media. One person's ideal investment could be completely inappropriate for another depending on their financial situation, risk tolerance, tax position, and time horizon.• Investing isn't one-size-fits-all—a $50k investment means something different to everyone• Generic investment advice fails to consider personal circumstances and values• The "trinity" of investments (risk, return, liquidity) can't all be maximized simultaneously• Buying a business often means buying yourself a job, not passive income• Real estate isn't inherently safe or consistently profitable without careful consideration• Self-directed IRAs are different from self-managed accounts and carry additional complexities• Tax planning should inform investment decisions, especially regarding Roth vs Traditional accounts• Investing in yourself often provides the best return on capital• Time is perhaps the most valuable investment of all—consider how you want to spend itIf you need help understanding how investments fit into your personal financial situation, schedule a consultation at ducharmewealth.com. We work with clients across all 50 states and are always happy to provide a second opinion on your financial plan. [00:00:00] Why Investment Context Matters[00:06:10] The Problem With Simple Investment Answers [00:11:03] Analyzing Social Media Investment Advice [00:17:55] Business Ownership vs. Investment Reality [00:25:01] The Trinity: Risk, Return and Liquidity [00:32:30] Real Estate and Cryptocurrency Considerations [00:38:40] Retirement Accounts and Tax Planning [00:43:12] Closing Thoughts on Personalized Investing DISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

Risk functions like energy—it cannot be created or destroyed, only converted from one form to another, which means you're always choosing which risks to take rather than eliminating risk entirely.• Risk does not equal return—it equals the possibility of more return• Standard deviation and volatility metrics capture only one dimension of risk• "Safe" investments like bonds or savings accounts still carry significant inflation and currency risks• The 2022 market demonstrated how bonds and stocks can fall simultaneously when traditional risk relationships break down• Warren Buffett manages risk through valuation and cash flow focus, not by avoiding risk altogether• Financial planning is the most effective way to identify and manage different types of risk• The worst kind of risk is the risk you don't know you have• Wealth management requires ongoing monitoring since life circumstances and market conditions constantly changeHave questions about risk in your portfolio or want us to review your financial plan? Contact us at ducharmwealth.com for a consultation—we're always happy to help our listeners.[00:00:00] Risk Is Like Energy: Can't Be Destroyed[00:05:07] Quantifying the Unquantifiable: Risk Metrics[00:10:14] Converting Risk: The Annuity Example[00:15:36] Case Studies: Bitcoin, Bonds, and Stocks[00:21:54] Risk Does Not Equal Return[00:32:15] Managing Risk Through Financial Planning[00:36:59] Wealth Management: Beyond the Initial PlanDISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

Investment decisions should always be contextual, reflecting individual circumstances, goals, and values rather than following generic advice from social media. One person's ideal investment could be completely inappropriate for another depending on their financial situation, risk tolerance, tax position, and time horizon.• Investing isn't one-size-fits-all—a $50k investment means something different to everyone• Generic investment advice fails to consider personal circumstances and values• The "trinity" of investments (risk, return, liquidity) can't all be maximized simultaneously• Buying a business often means buying yourself a job, not passive income• Real estate isn't inherently safe or consistently profitable without careful consideration• Self-directed IRAs are different from self-managed accounts and carry additional complexities• Tax planning should inform investment decisions, especially regarding Roth vs Traditional accounts• Investing in yourself often provides the best return on capital• Time is perhaps the most valuable investment of all—consider how you want to spend itIf you need help understanding how investments fit into your personal financial situation, schedule a consultation at ducharmewealth.com. We work with clients across all 50 states and are always happy to provide a second opinion on your financial plan. [00:00:00] Why Investment Context Matters[00:06:10] The Problem With Simple Investment Answers [00:11:03] Analyzing Social Media Investment Advice [00:17:55] Business Ownership vs. Investment Reality [00:25:01] The Trinity: Risk, Return and Liquidity [00:32:30] Real Estate and Cryptocurrency Considerations [00:38:40] Retirement Accounts and Tax Planning [00:43:12] Closing Thoughts on Personalized Investing 

Success in business depends on investing in people emotionally, personally, and financially—they don't appear out of thin air and aren't free. Measuring performance is the key to accelerating improvement and business growth.• Mark's journey from McDonald's crew member at age 14 to owning 18 franchise locations• McDonald's financial requirements: 25% equity stake, $45,000 franchise fee, and strong cash flow coverage• Franchisees face surprising risks—Mark had his highest revenue year and biggest loss simultaneously during inflation• Working inside a franchise for 18 months before buying provides invaluable operational knowledge at no cost• Choosing established franchises that have weathered economic cycles rather than trendy new concepts• Understanding elasticity and consumer behavior helps navigate price increases and economic changes• Setting clear value-based goals and measuring progress regularly leads to financial success• Creating personal financial statements twice yearly helps track wealth-building progressFind Du Charme Wealth Management here:https://ducharmewealth.com/[00:00:00] The Greatest Asset in Business[00:08:41] From McDonald's Crew to Franchise Owner[00:27:46] Financial Requirements for Franchising[00:37:32] The Hidden Risks of Business Ownership[00:47:12] Economic Challenges and Consumer Behavior[00:57:01] Measuring Success and Setting GoalsDISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

Mike Green, CFA, known for his insights on market structure, critiques Bitcoin's inherent flaws. He discusses how Bitcoin's fixed supply creates economic barriers, concentrating wealth while hampering mobility for younger generations. Unlike gold, Bitcoin's scarcity leads to systemic deflation and wealth inequality. The correlation between Bitcoin ETFs and its price raises concerns about intrinsic value. Green highlights the risks of financial engineering by companies like MicroStrategy, questioning Bitcoin's viability as a sustainable investment.

We explore the fundamental aspects of Bitcoin and why it represents a technological advancement in the concept of money. Our discussion ranges from the history of currency to the mechanics of Bitcoin mining, highlighting how Bitcoin's fixed supply addresses the inflationary problems of fiat currencies.• Bitcoin's primary appeal lies in its fixed supply of 21 million coins, creating predictable scarcity unlike fiat currencies• The US dollar and other fiat currencies lose purchasing power over time, making long-term financial planning difficult• Money evolved from direct exchanges to precious metals to paper representations and now to digital currencies• Bitcoin mining involves computers competing to process transactions, receiving rewards that halve approximately every four years• Transaction fees on the Bitcoin network are determined by market forces, with higher fees prioritizing faster processing• By 2148, all Bitcoin will be mined, creating a system that will run entirely on transaction fees rather than block subsidiesFind Du Charme Wealth Management here:https://ducharmewealth.com/[00:00:00] Understanding Bitcoin's Appeal[00:06:07] What Makes Money Valuable?[00:16:10] The Problem with Fiat Currency[00:32:16] Monetary History Evolution[00:42:18] How Bitcoin Mining Works[00:57:38] Bitcoin's Future and Scarcity Model[01:06:19] Final Thoughts and ResourcesDISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.