Question & Answer Videos

Brian says, "Don't trip over pennies when you're talking dollars." Is tax-loss harvesting really saving you money, or could it be costing you investment returns? As the end of the year approaches, many financial institutions promote tax-loss harvesting as a way to reduce investment-related taxes. But is reducing your tax bill always the best strategy? In this week's Q&A, Brian Rezny, President of Rezny Wealth Management, discusses the potential drawbacks of tax-loss harvesting and why investors should consider the bigger picture before selling investments for tax purposes. Brian examines how selling underperforming investments near year-end could mean missing potential market rebounds, why some tax savings may simply defer taxes until later, and why overall investment performance should remain a priority. In this Q&A: • Why financial institutions promote tax-loss harvesting as a year-end strategy. • How selling investments for tax purposes could affect portfolio performance. • Why some tax savings may represent a deferral rather than a permanent reduction. • The importance of evaluating investment returns alongside tax considerations. Learn more about Rezny Wealth Management: https://www.reznywealth.com **General informational and educational content only. Nothing presented should be considered investment, tax, legal, or financial advice. All investments involve risk, including the possible loss of principal. Consult a qualified financial professional before making investment decisions.**

Every market cycle brings new investment trends and opportunities that generate excitement. But how should investors evaluate these ideas? In this Q&A, Brian Rezny discusses a common question about "hot" investments and shares his perspective on the importance of research, patience, and maintaining a disciplined, long-term investment approach. Topics include: • Evaluating investment opportunities beyond the headlines • Understanding the risks of chasing market trends • Why long-term investing has been a foundational approach for many investors • The role of discipline and diversification in building wealth over time ***General informational and educational content only. Nothing presented should be considered investment, tax, legal, or financial advice. All investments involve risk, including the possible loss of principal. Consult a qualified financial professional before making investment decisions.***

In Our Opinion: • We’re entering the final stretch of the year—what could that mean for your portfolio? • Growth-oriented positions ideally should have been established earlier in the year. We were positioned accordingly. • November and December have historically been strong months for equity markets. • Corporate earnings continue to surge, providing further support for the market. If you have questions or concerns about your portfolio, give us a call. (800) 618-8577 or visit our website, www.ReznyWealth.com and schedule a consultation. General informational content only. Not tax, legal, or investment advice. Consult a financial professional before making investment decisions. Conduct due diligence.All investments involve risk, including potential loss of principal.

One of the most common investing mistakes isn't market timing, it's confusing investing with speculation. In this Q&A, Brian explains why disciplined investing is fundamentally different from chasing the latest trends or trying to hit the next "home run." In this video: • The difference between investing and speculation • Why consistency often outperforms chasing big winners • Understanding smart diversification • Why patience can be an investor's greatest advantage The goal of long-term investing isn't to guess what will skyrocket next, it's to build wealth through disciplined decision-making and sound investment principles. For additional educational resources, visit: www.reznywealth.com ***General informational and educational content only. Nothing presented should be considered investment, tax, legal, or financial advice. All investments involve risk, including the possible loss of principal. Consult a qualified financial professional before making investment decisions.***

One of the most common questions we receive is: "Should I reduce the risk in my investment portfolio once I retire?" In this educational Q&A, Brian Rezny explains why retirement alone doesn't necessarily mean your investment strategy should become more conservative. Topics covered include: • Understanding investment risk versus volatility • Why many investors misunderstand retirement planning • The difference between diversification and active portfolio management • Bonds, stocks, and long-term investing • Why emotional tolerance often matters more than age Every investor is different. The appropriate level of investment risk depends on your financial goals, time horizon, income needs, and ability to tolerate market fluctuations, not simply your age. For additional educational resources, visit: www.reznywealth.com ***General informational and educational content only. Nothing presented should be considered investment, tax, legal, or financial advice. All investments involve risk, including the possible loss of principal. Consult a qualified financial professional before making investment decisions.***

Why do financial advisors change firms and what does it mean for you? In this week's Questions & Answers, Brian Rezny discusses a common situation many investors experience when their advisor announces they're moving to a new brokerage firm. In this episode, you'll learn: • Why advisors sometimes change broker-dealers. • What sign-on bonuses are and how they can influence the industry. • The difference between fee-only fiduciary and fee-based advice. • Questions investors should ask before transferring their accounts. Making informed financial decisions starts with understanding how the financial services industry works. Learn more at www.reznywealth.com The best financial decisions begin with better questions. ***General informational and educational content only. Nothing presented should be considered investment, tax, legal, or financial advice. All investments involve risk, including the possible loss of principal. Consult a qualified financial professional before making investment decisions.***

In this week's Questions & Answers, Brian Rezny addresses questions investors are asking today: - Why have AI and the Magnificent Seven slowed down? - Is the AI investment story over? - What role do semiconductor companies play? - How should long-term investors think about market corrections? Markets don't move in straight lines. Strong companies can experience periods of stagnation even while earnings continue to grow. Brian explains why successful investing is built on research, discipline, and patience, not chasing headlines or speculation. At Rezny Wealth Management, our philosophy remains focused on identifying long-term opportunities driven by earnings growth, innovation, and disciplined portfolio management. 📚 Learn more by visiting www.reznywealth.com and download our complimentary investor reports. The best financial decisions begin with better questions. ***General informational and educational content only. Nothing presented should be considered investment, tax, legal, or financial advice. All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Investors should conduct their own due diligence and consult a qualified financial professional before making investment decisions.***

In Our Opinion: • What’s our take on IPOs? Don’t follow the crowd. • Research the stock, not the hype. • Emotion is the enemy of successful investing. • Emotional decisions are a major reason many investors achieve mediocre returns. If you have questions or concerns about your portfolio, give us a call. (800) 618-8577 or visit our website, www.ReznyWealth.com and schedule a consultation. General informational content only. Not tax, legal, or investment advice. Consult a financial professional before making investment decisions. Conduct due diligence.All investments involve risk, including potential loss of principal.

If you have questions or concerns about your portfolio, give us a call. (800) 618-8577 or visit our website, www.ReznyWealth.com and schedule a consultation. General informational content only. Not tax, legal, or investment advice. Consult a financial professional before making investment decisions. Conduct due diligence.All investments involve risk, including potential loss of principal.