Q4 2021 Market Commentary Podcast
Company
Services
Client Access
Firm Information
Google Rating
5.0
Based on 129 reviews
Wiser Wealth Management, Inc
5.0
Ann Tipton
1733857205
I've had an outstanding experience working with Wiser Wealth Management in Marietta, Georgia. Their expertise and personalized approach truly set them apart. I have used this company for all my retirement planning, investment strategies, and tax optimization. They provided a detailed and customized financial plan that helped me achieve my retirement ahead of schedule. The team is incredibly knowledgable, approachable, and always available to answer my questions with clarity and patience. Thanks to their proactive strategies, my portfolio has seen steady growth even in a volatile market. From the very first consultation, I felt valued and understood. Their personalized approach made all the difference. I HIGHLY RECOMMEND Wiser Wealth Management to anyone looking to secure their financial future with confidence.
Vicki Athnos
1731716731
We have worked with Wiser Wealth Management for two years and we are very pleased with the results. Missie and Michaela are a pleasure to work with as well as being very knowledgeable in all financial areas. They not only give good investment advice but have referred us to excellent local professionals when needed. They are quick to respond to any request. I wouldn’t hesitate to recommend this firm and Missie and Michaela in particular.
Tony Arturo
1730940878
I hired Wiser Wealth to do a flat fee plan as I am entering retirement soon. I had 3 detailed and informative meeting to go over my goals and financial situation. Shawna and Will took the time to get to know me as a person; were relatable and broke down their recommendations in a way that was easy to digest. They were responsive to my questions and concerns. I would definitely recommend Wiser for anyone who needs a second opinion on retirement planning.
Heather Riggs
1730127756
I couldn’t be happier with the personalized approach at Wiser Wealth Management! My advisor, Missie, takes the time to ask detailed questions and truly understand my unique financial goals. Her in-depth approach has made all the difference, helping me feel more confident in my financial journey. I see myself getting closer to my goals each day and am thrilled with the tailored guidance and growth I’ve experienced with Wiser. If you’re looking for a financial partner who genuinely cares and offers a personalized touch, I highly recommend Wiser Wealth and their incredible team!
Randall Lewis
1729634126
We are very grateful for Wiser and the service they provide - they truly have our best interest at heart. Missie Beach has the heart of a teacher, and not only gave us great advice, but helped us fully understand the “why.” The financial world can be murky, mischievous, deceptive…Wiser doesn’t play those games. We look forward to being long-time clients.
S England
1729258709
From the moment we met Casey he was attentive and eager to understand our financial objectives. His patience, knowledge of investment strategies, and collaborative approach allowed us to develop a comprehensive plan to grow our net worth. We continue to be impressed by Casey and his team's loyalty - they are always available to answer our questions and provide valuable guidance. Their professional yet personable demeanor has instilled a high level of confidence, leaving us assured that we made the right decision in partnering with them.
Justin Place
1729001752
We've had the pleasure of working with Wiser Wealth Management for over ten years, and we can't recommend them enough! From the moment my wife and I walked in, the team at Wiser Wealth made us feel welcomed and valued. They took the time to understand our financial goals and provided tailored advice that has truly made a difference over the years.Their expertise in investment strategies and retirement planning is impressive. As a fiduciary firm we appreciated their transparent approach—no hidden fees, just straightforward guidance. They also run investment risk scenarios which analyze historical data to test your portfolio in the worse possible markets to ensure you will still meet your financial goals.Overall, Wiser Wealth is a fantastic choice for anyone looking for personalized financial services. If you want a team that genuinely cares about your financial success, look no further than Casey, Missie, Michaela, Tiffany and the team!
Darren Linse
1728943018
Wiser Wealth Managment was recommended to me, and after spending a few months working with them on a fee only financial plan, I am more than happy to recommend them for your needs. For reference, I was working with Missie Beach and Michaela Dowdy, and cant say enough about their promptness and communication style. Their attention to details, and guidance on complicated comparisons when it comes to choices that need to be made for my pre retirement issues were immensely helpful.
Kelly Oden
1727651008
I'm grateful for the guidance and expert assistance of the Wiser Wealth Management team as I go into retirement. Missy and Michaela are professional and pleasant to work with. They have excellent financial knowledge, but the way they personalized a plan for us and answered our many questions is the true value to us. Their unhurried approach made us feel comfortable to ask any question and not feel uncomfortable. There are so many unknowns and going into the process we were quite nervous about it, but after each meeting we walked away feeling confident in our plan.
bruce dodd
1726841596
We have been with Casey for thirteen years and has proven to be an exceptional wealth manager. He and his staff have our total trust!
Cheryl Shewmaker
1723981586
We are so thankful for Casey and his team at Wiser Wealth Management. The team is always available for any questions, their planning process is very detailed, and we trust their advice.
Susie Barrett
1723601438
Shawna and William have been fantastic at guiding us towards our financial goals . They listened well, made excellent suggestions and entertained a lot of questions. We love that they were not just pushing big firm mutual funds on us. Rather, they looked over all areas of our finances (not just 401k) and helped assure us that actions we were taking now would be realized in the future. Lots of achievable short term and realistic actions to help us along the way. We could not recommend this firm enough!
Sergio Sovero
1721952359
Major airline Captain. Was recommended to Casey through a friend of mine and I am glad I went with him. Love his non-fee based approach. God willing for the next 37 years, that would be a substancial amount. I feel confident in calling Casey for a quick question to make sure I am following a good path. He always is responsive within the same day. Highly remind him if you are an airline guy!
David Green
1721916635
My wife and I could not be more pleased with the entire Wiser team. They have done an amazing job of managing our portfolio and walking us through our recent transition to retirement. We are confident that they have our best interest at heart. On top of that, they are just nice folks to work with!
Amy Rambo
1714667594
The team at Wiser Wealth Management is fantastic. They always respond to my questions and concerns quickly, and offer knowledgable advice. I've been very please over the years with the way they've helped me manage my resources and prepare for the future. I highly recommend working with them, especially if you're not super confident when it comes to financial investing.
Company
Services
Client Access
Firm Information
Google Rating
5.0
Based on 129 reviews
Wiser Wealth Management, Inc
5.0
Ann Tipton
1733857205
I've had an outstanding experience working with Wiser Wealth Management in Marietta, Georgia. Their expertise and personalized approach truly set them apart. I have used this company for all my retirement planning, investment strategies, and tax optimization. They provided a detailed and customized financial plan that helped me achieve my retirement ahead of schedule. The team is incredibly knowledgable, approachable, and always available to answer my questions with clarity and patience. Thanks to their proactive strategies, my portfolio has seen steady growth even in a volatile market. From the very first consultation, I felt valued and understood. Their personalized approach made all the difference. I HIGHLY RECOMMEND Wiser Wealth Management to anyone looking to secure their financial future with confidence.
Vicki Athnos
1731716731
We have worked with Wiser Wealth Management for two years and we are very pleased with the results. Missie and Michaela are a pleasure to work with as well as being very knowledgeable in all financial areas. They not only give good investment advice but have referred us to excellent local professionals when needed. They are quick to respond to any request. I wouldn’t hesitate to recommend this firm and Missie and Michaela in particular.
Tony Arturo
1730940878
I hired Wiser Wealth to do a flat fee plan as I am entering retirement soon. I had 3 detailed and informative meeting to go over my goals and financial situation. Shawna and Will took the time to get to know me as a person; were relatable and broke down their recommendations in a way that was easy to digest. They were responsive to my questions and concerns. I would definitely recommend Wiser for anyone who needs a second opinion on retirement planning.
Heather Riggs
1730127756
I couldn’t be happier with the personalized approach at Wiser Wealth Management! My advisor, Missie, takes the time to ask detailed questions and truly understand my unique financial goals. Her in-depth approach has made all the difference, helping me feel more confident in my financial journey. I see myself getting closer to my goals each day and am thrilled with the tailored guidance and growth I’ve experienced with Wiser. If you’re looking for a financial partner who genuinely cares and offers a personalized touch, I highly recommend Wiser Wealth and their incredible team!
Randall Lewis
1729634126
We are very grateful for Wiser and the service they provide - they truly have our best interest at heart. Missie Beach has the heart of a teacher, and not only gave us great advice, but helped us fully understand the “why.” The financial world can be murky, mischievous, deceptive…Wiser doesn’t play those games. We look forward to being long-time clients.
S England
1729258709
From the moment we met Casey he was attentive and eager to understand our financial objectives. His patience, knowledge of investment strategies, and collaborative approach allowed us to develop a comprehensive plan to grow our net worth. We continue to be impressed by Casey and his team's loyalty - they are always available to answer our questions and provide valuable guidance. Their professional yet personable demeanor has instilled a high level of confidence, leaving us assured that we made the right decision in partnering with them.
Justin Place
1729001752
We've had the pleasure of working with Wiser Wealth Management for over ten years, and we can't recommend them enough! From the moment my wife and I walked in, the team at Wiser Wealth made us feel welcomed and valued. They took the time to understand our financial goals and provided tailored advice that has truly made a difference over the years.Their expertise in investment strategies and retirement planning is impressive. As a fiduciary firm we appreciated their transparent approach—no hidden fees, just straightforward guidance. They also run investment risk scenarios which analyze historical data to test your portfolio in the worse possible markets to ensure you will still meet your financial goals.Overall, Wiser Wealth is a fantastic choice for anyone looking for personalized financial services. If you want a team that genuinely cares about your financial success, look no further than Casey, Missie, Michaela, Tiffany and the team!
Darren Linse
1728943018
Wiser Wealth Managment was recommended to me, and after spending a few months working with them on a fee only financial plan, I am more than happy to recommend them for your needs. For reference, I was working with Missie Beach and Michaela Dowdy, and cant say enough about their promptness and communication style. Their attention to details, and guidance on complicated comparisons when it comes to choices that need to be made for my pre retirement issues were immensely helpful.
Kelly Oden
1727651008
I'm grateful for the guidance and expert assistance of the Wiser Wealth Management team as I go into retirement. Missy and Michaela are professional and pleasant to work with. They have excellent financial knowledge, but the way they personalized a plan for us and answered our many questions is the true value to us. Their unhurried approach made us feel comfortable to ask any question and not feel uncomfortable. There are so many unknowns and going into the process we were quite nervous about it, but after each meeting we walked away feeling confident in our plan.
bruce dodd
1726841596
We have been with Casey for thirteen years and has proven to be an exceptional wealth manager. He and his staff have our total trust!
Cheryl Shewmaker
1723981586
We are so thankful for Casey and his team at Wiser Wealth Management. The team is always available for any questions, their planning process is very detailed, and we trust their advice.
Susie Barrett
1723601438
Shawna and William have been fantastic at guiding us towards our financial goals . They listened well, made excellent suggestions and entertained a lot of questions. We love that they were not just pushing big firm mutual funds on us. Rather, they looked over all areas of our finances (not just 401k) and helped assure us that actions we were taking now would be realized in the future. Lots of achievable short term and realistic actions to help us along the way. We could not recommend this firm enough!
Sergio Sovero
1721952359
Major airline Captain. Was recommended to Casey through a friend of mine and I am glad I went with him. Love his non-fee based approach. God willing for the next 37 years, that would be a substancial amount. I feel confident in calling Casey for a quick question to make sure I am following a good path. He always is responsive within the same day. Highly remind him if you are an airline guy!
David Green
1721916635
My wife and I could not be more pleased with the entire Wiser team. They have done an amazing job of managing our portfolio and walking us through our recent transition to retirement. We are confident that they have our best interest at heart. On top of that, they are just nice folks to work with!
Amy Rambo
1714667594
The team at Wiser Wealth Management is fantastic. They always respond to my questions and concerns quickly, and offer knowledgable advice. I've been very please over the years with the way they've helped me manage my resources and prepare for the future. I highly recommend working with them, especially if you're not super confident when it comes to financial investing.
Q4 2021 Market Commentary Podcast
On this episode of A Wiser Retirement Podcast, Casey Smith, Matthews Barnett, CFP®, ChFC®, CLU® and Brad Lyons, CFP® talk about Q4 2021 and give an overview of stock market performance. They talk about bonds, treasury inflation-protected securities, and real estate. They also review their 2021 market picks, discussing the Invesco Global Return Clean Energy ETF and the S&P Kensho New Economies ETF.
Listen on Apple Podcasts or watch on YouTube:
SUMMARY:
Q4 2021 Market Commentary
Q4 2021 capped off a really great year. The S&P 500 had a 10% gain in Q4 alone. These type of years are great when they come along, but you can’t count on them year after year. Throughout our financial planning process, we don’t plan for 28% in returns, but rather plan for much less. When we have years like that, we can take those returns and let them accumulate in our clients portfolios for future use.
Should Bonds Still Be in Your Portfolio?
Bonds play an important role in portfolios. They give us a more certainty of return, given that they have a stated interest rate on them. They mature at face value, so you know that you have a stated ending value for the bond at term. They mitigate the risk of investing in equities in a portfolio. They also will provide some interest, or income to the portfolio over time.
Interest rates and bond prices tend to have an inverse relationship with each other. As interest rates rise, the face value of the bonds we are holding have a tendency to go down, depending on the economic conditions.
Treasury Inflation-Protected Securities (TIPS)
TIPS is a treasury inflation protected security with a short term duration to it. It is designed that if inflation goes higher, the value of the underlying position and the rate at which the investor is paid on the bond increases with inflation. It has an offset to inflationary aspect to it. This protects against any loss in value in the bond portfolio due to rising interest rates.
Real Estate
Ironically, real estate did quite well in 2021, especially in Q4 2021. One interesting trend in real estate is the move from the traditional office space to distribution centers, cell towers, and warehouses that house server farms. When you look at REITs, the top holdings are public warehouses. Real estate can often be thought of as a bond proxy, because it does pay that generated income stream from rental income.
Review of Our Team’s 2021 Market Picks
A year ago we chose which funds, stock, or index would outperform for 2021. Matthews picked the Invesco Global Return Clean Energy ETF. Brad chose S&P Kensho New Economies ETF. Casey chose the total market as his pick. Matthews pick, the Invesco Global Return Clean Energy ETF was down 22% in 2021. Brad’s pick, the S&P Kensho New Economies ETF was up 3.69%. Casey’s pick, the total stock market was up 25.67%.
Our Team’s 2022 Market Picks
Matthews chooses the SPDR S&P 500 ETF. Casey chooses Vanguard Information Technology Index Fund (VGT). Brad chooses iShares Global REIT ETF.
Download our white paper on “3 Ways to Grow and Protect Your Portfolio”
TIMESTAMPS:
0:00 Intro
1:20 Q4 2021
2:55 Should Bonds Still Be in Your Portfolio?
5:15 TIPS
10:10 Real Estate
16:15 Review of Our Team’s 2021 Market Picks
21:20 Our Team’s 2022 Market Picks
LINKS:
Learn more about Casey Smith and connect with him on Twitter.
Learn more about Brad Lyons.
Learn more about Matthews Barnett.
CONNECT:
Twitter, Instagram, Facebook, LinkedIn, and YouTube.
Learn more about the Wiser Wealth Management Roundtable podcast and access previous episodes.
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