In Episode 18 of “Our 2 Cents On Your Dollar,” we dive into the critical question: Who’s managing your money and building your portfolio? Learn what it takes to expertly handle client portfolios, the role of discretion, and the processes behind effective money management. Discover why understanding your money manager’s approach is key to achieving your financial goals. Don’t miss this insider look at what goes into managing wealth the right way!

In Episode 17 of “Our 2 Cents On Your Dollar,” we explore the core of financial planning (#FP) and why it’s essential for achieving your financial goals. Learn what financial planning really means, how it’s an ongoing, collaborative, and holistic process, and how it can align your finances with your life goals. From budgeting and saving to investing and retirement planning, we share examples of financial goals and strategies to achieve them. Whether you’re starting your financial journey or looking to refine your plan, this episode will help you build a solid foundation for long-term success. Tune in to discover how financial planning can transform your future!

In Episode 16 of “Our 2 Cents On Your Dollar,” we tackle the classic financial dilemma: Should you focus on paying down debt quickly or prioritize investing? Our experts explore key factors like interest rates, potential investment returns, liquidity, and cash flow to help you make the best decision for your financial situation. Learn when it makes sense to pay off debt versus when you might benefit more from investing, and how to strike a balance that supports both your immediate needs and long-term goals. Tune in to find out which strategy can lead to greater financial freedom!

In Episode 15 of “Our 2 Cents On Your Dollar,” we sit down with UTRGV’s Vice President and Director of Athletics, Chasse Conque, and UTRGV Football Coach, Travis Bush, to dive deep into the transformative world of Name, Image, and Likeness (NIL) in college athletics. Gain insider insights on how NIL is reshaping opportunities for student-athletes, the challenges it brings, and how UTRGV is embracing this new era. Whether you’re an athlete, fan, or simply curious about the impact of NIL, this episode offers a unique look at the future of college sports at UTRGV and beyond.

In Episode 14 of "Our 2 Cents On Your Dollar," we explore the intriguing world of collectibles—everything from baseball cards and vintage watches to rare art and memorabilia—and their potential as investments. Are these tangible assets a smart way to grow your wealth, or do they carry too much risk? Our experts discuss the factors that determine the value of collectibles, how to assess their investability, and the pros and cons of adding them to your portfolio. Whether you're a seasoned collector or just curious about alternative investments, this episode will provide insights on how collectibles can fit into a broader financial strategy. Tune in to learn whether these treasures could be the next big addition to your investment plan!

In Episode 13 of "Our 2 Cents On Your Dollar," we dive into one of the most debated topics in retirement planning: Traditional IRA vs. Roth IRA. Our special guests weigh in with their preferences, exploring the key differences between these two retirement powerhouses. From tax benefits and contribution rules to withdrawal strategies, we break down which option may be best for your financial future. Whether you’re aiming for tax savings today or in retirement, this episode provides valuable insights to help you decide which IRA best aligns with your long-term goals. Tune in for a lively discussion on the pros and cons of each, and discover how to maximize your retirement savings!

In Episode 12 of “Our 2 Cents On Your Dollar,” we take a deep dive into Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs), two key tools for managing healthcare costs and maximizing tax benefits. We explore how HSAs offer a triple tax advantage, long-term savings potential, and the flexibility to roll over funds, while FSAs provide a way to plan for short-term healthcare expenses. Our experts also discuss strategies for integrating these accounts into your overall financial plan, helping you make informed decisions on healthcare spending, tax planning, and savings growth. Whether you’re navigating rising medical costs or simply looking to optimize your healthcare strategy, this episode equips you with the knowledge to take full advantage of these health savings tools and ensure your financial well-being.

In Episode 11 of “Our 2 Cents On Your Dollar,” we sit down with Dr. Diane Milliken Garza, Executive Director of the Rio Grande Valley Philanthropic Foundation, to explore the powerful world of Donor-Advised Funds (DAFs). Dr. Garza brings her wealth of experience in philanthropy to help listeners understand how DAFs can be a strategic and impactful way to manage charitable giving. We dive into how DAFs work, their tax benefits, and how they empower donors to support causes they care about while maximizing their financial efficiency. Whether you’re an experienced philanthropist or just starting your giving journey, this episode offers valuable insights into how donor-advised funds can make your charitable dollars go further. Tune in for expert advice on making a lasting impact through thoughtful giving!