Warren Buffett just stepped down as CEO of Berkshire Hathaway after 60 years—and the investing world may never be the same.In this episode of The Paper Gains Show, we unpack the biggest lessons Buffett leaves behind, what most investors still get wrong about his strategy, and what Berkshire’s future could look like without him. 📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.comAbout:This episode reflects on the investing legacy of Warren Buffett, exploring the wisdom he shared with generations of investors and the unique investment strategies that made him a legend. We discuss Buffett’s impact on financial planning, diversification vs. concentration, long-term investing principles, and his successor’s future challenges at Berkshire Hathaway. Whether you're a retiree managing your portfolio or an investor fascinated by timeless financial wisdom, this is a must-watch tribute.Chapters:0:00 – Buffett Steps Down: Why It Matters1:27 – How Buffett Shaped Our Investment Thinking3:32 – The Story Behind Buying Berkshire: Pettiness or Genius?8:13 – Why Most Investors Don’t Follow Buffett’s Strategy12:27 – Does Concentration Still Work in Today’s Market?18:24 – Can Anyone Recreate What Buffett Built?24:40 – Buffett’s Biggest Lesson: Stay True to Your StrategyDisclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

Sold your investments during the volatility and now regretting it? You’re not alone.In this episode of The Paper Gains Show, we tackle what to do if you pulled out of the market, how to re-enter with a smart strategy, and what this recent rally really means. Plus, we dive into key retirement planning questions like early healthcare costs and whether long-term care insurance is worth it.📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.comAbout:his episode covers real-time market commentary and practical retirement planning advice for those near or in retirement. Topics include market re-entry strategies after a downturn, avoiding emotional investing mistakes, preparing for healthcare costs before Medicare, and evaluating long-term care insurance. Whether you're managing risk, considering self-funding for medical costs, or unsure about future volatility, this conversation helps you make confident financial decisions.Chapters:0:00 – Are We Out of the Woods? Market Rally Breakdown2:41 – What Tariffs and Guidance Pullbacks Really Signal6:20 – If You Sold During the Volatility — What Now?8:12 – How to Re-Enter the Market Smartly (Without Timing It)13:36 – Retiring Before 65? How to Handle Healthcare Costs17:46 – Long-Term Care Insurance: Should You Buy or Self-Fund?22:35 – Planning for Two Spouses in Retirement HealthcareDisclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

When the markets crash, emotions take over — but the smartest investors rely on strategy, not panic. In this episode of the Paper Gain Show, we break down what’s really driving the current market volatility, including the massive tariff announcements and whispers of recession. With over 20% declines in major indices and zero clarity on what’s next, we’ll help you cut through the noise and make informed, confident decisions.

About:

This episode tackles one of the biggest concerns facing investors today: how to navigate sharp market drops, increased volatility, and economic uncertainty triggered by a new wave of tariffs. As the S&P dips into bear market territory, we explore what’s causing the sell-off, how to manage your retirement portfolio in the chaos, and why thoughtful planning trumps fear every single time. If you're wondering whether to sell, stay put, or start buying again — this is the episode for you.

We cover:

- How tariff announcements shocked the markets

- The debate over short-term pain vs. long-term gain

- What investors should consider before making big moves

- Dollar-cost averaging, Roth conversions, and tax-loss harvesting strategies

Chapters

0:00 – Market Update & Volatility Overview

1:03 – What Triggered This Correction

4:38 – Are These Tariffs Temporary or Here to Stay?

10:51 – What We’re Telling Clients Right Now

16:51 – Smart Strategies to Consider Today

25:01 – Final Thoughts & Staying Disciplined

Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

What’s the hardest part of retirement planning? It’s probably not what you think—and we’re breaking it down with real talk, personal stories, and practical strategies.📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com Matt Magee: Mmagee@mforcecapital.com📌 About:In this episode of The Paper Gain Show, Jonathan Rankin and Matt McGee dive into what really makes retirement planning difficult—and it’s not just the numbers. From managing trade-offs between living for today vs. saving for tomorrow, to avoiding the trap of comparing your retirement to someone else's, this episode is full of real insights and laughs.They also answer big questions:✅ Should Social Security be taxed?✅ Is now the time for a Roth conversion?✅ Should you take a pension lump sum or monthly income?✅ Is buy & hold really the best investment strategy?❓ QUESTION:What’s been the hardest part of planning for retirement for you? Drop your thoughts in the comments — we’d love to hear from you!⏳ Chapters (7 Total for Flow & SEO):0:00 – Welcome + What’s the Hardest Part About Retirement Planning?1:00 – The Real Struggle: Living for Today vs. Saving for Tomorrow4:59 – Should Social Security Be Taxed? Our Take on the Debate9:00 – Is Now the Right Time for a Roth Conversion?12:51 – Pension Payout: Lump Sum or Lifetime Income?18:34 – Buy & Hold vs. Active Investing in a Volatile Market22:59 – Bracket Talk: March Madness, Trash Talk & Final PredictionsDisclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

🔹 What if the 4% Rule is Wrong? 🔹

Is the classic 4% retirement withdrawal rule outdated? With changing market conditions, inflation concerns, and varying financial strategies, it's time to rethink this long-standing retirement planning rule. We debate whether it still holds up today, what experts recommend instead, and how it impacts your retirement plan. Plus, we discuss tax-saving strategies, smart car buying vs. leasing decisions, and what’s next for interest rates in 2024!

📲 Connect with Us

Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement

Matt Magee: Mmagee@mforcecapital.com

🔎 About:

We dive into one of the most controversial financial planning topics—the 4% rule—and whether it still works in today’s economy. Learn about alternative withdrawal strategies, the impact of inflation, and why investment returns might not match historical expectations. Plus, we discuss real-world retirement spending habits, car buying vs. leasing for retirees, and upcoming tax changes that could impact your wealth. If you’re planning for retirement, investing, or just want to stay ahead of financial trends, this episode is a must-watch!

⏳ Chapters:

00:00 Welcome to Paper Gains!

00:12 The 4% Rule Debate: Does It Still Work?

02:30 How Investment Returns Impact Retirement Withdrawals

04:50 The Problem with One-Size-Fits-All Retirement Rules

06:40 What Laws Should Change in Retirement Planning?

08:50 HSA & Roth IRA Rule Changes We Want to See

12:00 The Fed’s Next Move: Will Interest Rates Change?

16:00 Buying vs. Leasing a Car in Retirement – Which Is Better?

20:30 How Much Are Retirees REALLY Spending?

25:00 Biden’s Tax Plan: No Taxes Under $150K?!

27:30 March Madness Bracket Predictions

Disclaimer:

mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

Theorem Wealth Management and mFORCE Captial are not a tax advisor, please consult a tax professional.

Are we on the edge of a major recession? With the markets dipping into correction territory, investors are asking: What should we do now? In this episode of The Paper Gain Show, we break down the latest market trends, strategies for navigating volatility, and whether a recession is on the horizon.

📲 Connect with Us

Johnathan Rankin: Johnathan@mforcecapital.com

Matt Magee: Mmagee@mforcecapital.com

🔎 About:

In this episode, hosts Jonathan Rankin and Matt McGee analyze the current market downturn, discussing why volatility has returned, how tariffs and economic policies could impact investors, and whether now is the time to buy, sell, or hold. They also cover essential financial planning strategies, the impact of recessions on employment and life insurance, and the role of donor-advised funds in tax-efficient giving. Whether you're a seasoned investor or just looking for practical financial advice, this episode has you covered!

💬 QUESTION: What’s your biggest concern about the market right now? Drop your thoughts in the comments!

📖 Chapters:

00:00 – Market Volatility Returns

02:10 – Are We Headed for a Recession?

05:45 – What Should Investors Do Now?

09:30 – How Market Cycles Affect Retirement Planning

13:15 – The Hidden Risk of Employer-Provided Life Insurance

16:20 – Tax-Efficient Giving with Donor-Advised Funds

20:40 – Why Longevity Planning is Key to Retirement Success

24:00 – Simple Ways to Stay Active & Healthy in Retirement

27:00 – Final Takeaways: Stay Calm, Stay Invested

Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

Welcome to the first episode of Paper Gains! 🎉 In this episode, financial advisors Johnathan Rankin and Matt Magee dive into some of the biggest financial topics on retirees' minds right now:

💰 Is Social Security Going Bankrupt? – Will benefits still be there when you need them?

📉 Market Volatility & Economic Trends – What recent layoffs and government cuts mean for your retirement.

💡 Warren Buffett’s $300B Cash Pile – Should you be sitting on the sidelines too?

📊 Is Apple Losing Its Edge? – What Buffett’s moves say about the future of investing.

🏆 Physical Gold vs. ETFs – Is holding gold actually a smart strategy?

💸 Roth vs. Pre-Tax Retirement Accounts – Should you rethink your tax strategy before it’s too late?

We’re here to cut through the noise and help you make smart, tax-efficient decisions for your financial future.

🔔 Subscribe for weekly episodes filled with real, actionable retirement advice!

📩 Got questions or a topic you want us to cover? Drop a comment below

#RetirementPlanning #SocialSecurity #Investing #PersonalFinance #PaperGainsPodcast

Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.