by Peter Lazaroff
We all need to make smart decisions with our money. The Long Term Investor shows you how to do it. Hosted by the Chief Investment Officer at Plancorp and author of “Making Money Simple,” Peter Lazaroff distills complex financial matters into easily digestible lessons. If you’re ready to get a clear plan for your investments and personal finances, you’re in the right place.
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Publishing Since
6/18/2021
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April 16, 2025
<p dir="ltr">Get an inside look at what’s shaping my thinking. Bi-weekly, I share the top 5 investing and financial planning articles I’m reading—straight to your inbox. <a href= "https://peterlazaroff.com/newsletter">Sign up for my newsletter</a>.</p> <p dir="ltr">----- </p> <p dir="ltr">Retirement planning isn’t just about numbers—it’s about lifestyle, relationships, and finding purpose. In this episode, I sit down with Christine Benz, Morningstar’s Director of Personal Finance and the author of How to Retire, to explore the often-overlooked aspects of retirement beyond just saving and investing.</p> <p dir="ltr">We discuss how retirees can prepare for the social and psychological shifts that come with leaving the workforce, why spending in retirement can be just as challenging as saving, and the biggest disagreements among experts when it comes to managing your money in later years.</p> <p dir="ltr">Listen now and learn:<br /> <br /></p> <p dir="ltr">► Why the transition from saving to spending is so psychologically difficult</p> <p dir="ltr">► The importance of relationships and social networks in retirement</p> <p dir="ltr">► The most debated strategies for generating retirement income</p> <p dir="ltr">► How to prepare for the cognitive challenges that come with aging</p> <p dir="ltr">Tune in for an insightful conversation that will help you build a retirement plan that’s both financially sound and personally fulfilling.</p> <p dir="ltr">Visit <a href= "http://www.thelongterminvestor.com/">www.TheLongTermInvestor.com</a> for show notes, free resources, and a place to submit questions.</p> <p><strong> </strong></p> <p dir="ltr">(02:43) Introduction: Christine’s New Book & Why She Wrote It</p> <p dir="ltr">(04:57) Under-Discussed Factors in a Happy Retirement</p> <p dir="ltr">(08:19) Overcoming the Fear of Spending in Retirement</p> <p dir="ltr">(11:03) The Role of Relationships & Social Networks</p> <p dir="ltr">(13:47) Biggest Disagreements Among Retirement Experts</p> <p dir="ltr">(17:37) Should You Work Longer or Retire Early?</p> <p dir="ltr">(23:14) Christine’s Bucket Approach to Portfolio Withdrawals</p> <p dir="ltr">(28:56) What Was Missing from the Book?</p> <p dir="ltr">(32:16) The Future of Retirement Planning</p> <p><strong> </strong></p> <p dir="ltr">Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.</p> <p dir="ltr">The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.</p> <p dir="ltr">References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.</p> <p><strong id= "docs-internal-guid-814d7b07-7fff-e2d5-d14d-24a24f1acc67">Please see disclosures <a href= "https://peterlazaroff.com/disclosures">here</a>.</strong></p>
April 9, 2025
<p dir="ltr">If you want to see what you may be overlooking, I’ve created a simple tool to help. In just 15 questions, my Financial Assessment will highlight key opportunities and gaps in your plan. You can take it now at <a href= "http://www.smartmoneyquiz.com/">www.smartmoneyquiz.com</a>. </p> <p dir="ltr">----- </p> <p dir="ltr">Want stock market returns without the risk? Options-based strategies promise just that—but do they deliver? In this episode, Peter breaks down how these products work, what the research says, and whether there’s a better way to reduce risk in your investment portfolio.</p> <p><strong> </strong></p> <p dir="ltr">Listen now and learn:<br /> <br /></p> <p dir="ltr">► What most investors misunderstand about buffered and defined outcome funds</p> <p dir="ltr">► Surprising data from real-world funds–and what it means for your portfolio</p> <p dir="ltr">► Why paying for protection doesn’t always protect you</p> <p dir="ltr">► A simpler (and often smarter) way to reduce equity risk.</p> <p><strong> </strong></p> <p dir="ltr">Visit <a href= "http://www.thelongterminvestor.com/">www.TheLongTermInvestor.com</a> for show notes, free resources, and a place to submit questions.</p> <p><strong> </strong></p> <p dir="ltr">Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.</p> <p dir="ltr">The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.</p> <p dir="ltr">References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.</p> <p><strong id= "docs-internal-guid-49afbe61-7fff-2286-907a-c4ce44209ebc">Please see disclosures <a href= "https://peterlazaroff.com/disclosures">here</a>.</strong></p>
April 2, 2025
<p dir="ltr">Want to see what you may be overlooking in your finances? Discover your biggest opportunities in just 15 questions with my <a href="http://smartmoneyquiz.com/">Financial Assessment</a>. </p> <p dir="ltr">----- </p> <p dir="ltr">Markets are unpredictable in the short term, but history tells us that the long-term trend is clear. </p> <p><strong> </strong></p> <p dir="ltr">Sam Ro, author of the TKer newsletter, joins me at the New York Stock Exchange to discuss the key principles that investors should keep in mind, regardless of daily market noise. </p> <p><strong> </strong></p> <p dir="ltr">We explore the fundamental drivers of stock market returns, the importance of earnings, and the real risks that investors should focus on.</p> <p><strong> </strong></p> <p dir="ltr">Listen now and learn:<br /> <br /></p> <p dir="ltr">► Why the long-term is undefeated in investing</p> <p dir="ltr">► The reality of market volatility and short-term drawdowns</p> <p dir="ltr">► How earnings drive stock prices over time</p> <p dir="ltr">► Why the biggest risks are often the ones no one is talking about</p> <p><strong> </strong></p> <p dir="ltr">Visit <a href= "http://www.thelongterminvestor.com/">www.TheLongTermInvestor.com</a> for show notes, free resources, and a place to submit questions.</p> <p><strong> </strong></p> <p dir="ltr">(03:39) Understanding Market Noise and Long-Term Investing<br /> (09:36) Embracing Market Volatility as the Cost of Long-Term Returns<br /> (13:09) Why Investors Rarely Get ‘Average’ Returns<br /> (16:15) The Key Driver of Stock Prices: Earnings<br /> (21:24) Index Turnover: How the Market Evolves Over Time<br /> (24:53) Valuations Matter, But Timing Is Tough<br /> (27:25) U.S. vs. International Stocks: A Shifting Landscape<br /> (30:42) The Stock Market and the Economy Are Not the Same<br /> (33:12) The Real Risks Are the Ones No One Sees Coming</p> <p dir="ltr">Disclosures: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.</p> <p><strong> </strong></p> <p dir="ltr">The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.</p> <p><strong> </strong></p> <p dir="ltr">References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.</p> <p><strong id= "docs-internal-guid-c5d29d37-7fff-0d91-210d-9206c758dfb8"><br /> Please see disclosures here: <a href= "https://peterlazaroff.com/disclosure-info">https://peterlazaroff.com/disclosure-info</a></strong></p>
Taylor Schulte, CFP®
Benjamin Brandt CFP®, RICP®
Morningstar
Steve Chen
Roger Whitney, CFP®, CIMA®, RMA, CPWA®
bogleheads
Jason Parker
Jim Saulnier, CFP® & Chris Stein, CFP®
Paul Merriman
Andy Panko
James Conole, CFP®
Devin Carroll, CFP® & John Ross, JD
Rob Berger
Wade Pfau & Alex Murguia
Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors
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