With the 2026 midterm elections approaching, investors are once again asking what the results could mean for their portfolios. Election years bring plenty of headlines, predictions, and reasons to believe that this time could be different.

But instead of trying to predict what happens next, we're going to look at nearly a century of market history to see what elections have actually meant for investors—and what, if anything, you should be doing about it.

Topics Discussed:

• Why midterm elections have a reputation for making investors uneasy.
• What nearly 100 years of history reveal about markets after the votes are counted.
• Why "I'll wait until the election is over" is harder than it sounds.
• How you can call the election correctly and still get the investment move wrong.
• What's actually worth doing with your portfolio when election anxiety kicks in.

Resources Mentioned:

• ERdocadvisor.com
• ERdocadvisor.com/ask

The housing market looks very different today than it did just a few years ago, and the traditional rules around renting versus buying deserve another look. For higher earners especially, being able to afford a home doesn't necessarily mean buying one is the best financial move.

In this episode, we're breaking down the current housing landscape and the factors that should actually drive that decision.

Topics Discussed:

• How much of your first 5 years of mortgage payments actually goes toward owning your home?
• The mortgage interest deduction math most buyers never run.
• How renters can quietly benefit from someone else's 3% mortgage.
• Why so many homes are for sale, yet sellers still won't lower their price.
• Ways to buy a home without taking on a big 7.5% loan.

Resources Mentioned:

• ERdocadvisor.com

Roth conversions are often treated like an automatic win, especially once income drops in retirement. But the better question isn't just whether you can convert at a lower tax rate — it's whether converting those dollars actually improves the end result.

In this episode, we're looking at how the intended use of your retirement assets can completely change the strategy. Sometimes the biggest opportunity isn't converting more, but understanding which dollars should stay exactly where they are.

Topics Discussed:

• Why a lower tax bracket in retirement isn't, on its own, a reason to convert.
• How $1 million in conversions can cost $240,000 in tax, and when some of that is avoidable.
• How a $50,000 charitable gift can quietly shrink to $38,000.
• Why two retirees with identical $4 million IRAs shouldn't have the same plan.
• When an aggressive Roth conversion strategy still makes a lot of sense.

Resources Mentioned:

• ERdocadvisor.com