James A Moore - Advisory Services - Planning Alliance

07/21/2026

There’s a lot of excitement around "AI investing" and that excitement is quietly turning into concentrated bets that folks don’t realize they're making. At the risk of getting in the weeds, here’s what I’m talking about:

Semiconductor ETFs have become one of the most popular ways to get "AI exposure." But upon closer scrutiny, they're far less diversified than the name suggests. The largest one holds over 15% of its assets in a single company. Several others lean heavily on the same handful of names. And a significant part of the entire chip industry runs through one company based in Taiwan, which has its own geopolitical risk.

There’s a difference between being on the right side of a trend and making money on it.If you're retired or getting close, ask yourself the following:

- Do you know how much of your portfolio touches AI or semiconductors, even indirectly through a "diversified" fund?

- Would a pullback in a handful of mega-cap names meaningfully hurt you?

07/16/2026

Clients of mine know that I have nothing but respect for Ray Dalio so his post on X recently is warning that the U.S. is heading into a "risky period” got my attention. Here’s the crux of his post:

The government spends about $7 trillion a year but only brings in about $5 trillion. That gap gets covered by more borrowing, and some big buyers of U.S. debt are getting more selective.

If you're retired or close to it, here are some takeaways for you:

- Don't make moves based on one headline. Debt worries have been around for decades.
- Know how your "safe" investments would react if interest rates move. Bonds and savings rates aren't immune.
- Real diversification helps you weather this stuff either way.

When’s the last time you reviewed your investment portfolio?

07/13/2026

It seems like every day there are more questions and uncertainty surrounding health care costs in retirement. While I’ve shared snippets of this infographic in other posts, the entire piece does a great job of telling the whole story helping pre-retirees and retirees see a clearer path forward. Share it with someone it would benefit.

07/09/2026

If I were to predict the winner of the 2026 word of the year, I’d say it would be affordability. This Gallup article from my monthly newsletter digs into the affordability crisis that Americans are living through. Key takeaways:

- Inflation and high prices cited by 31% as top financial problem
- Energy concerns up 10 points to highest since 2008
- Record 55% say their finances are getting worse

Give it a read and share in the comments or DM that has you most concerned from an economic perspective.

Inflation and the cost of energy, housing and healthcare lead the issues Americans cite as their top financial concerns, while a record share say their personal financial situation is getting worse.

07/03/2026

250 years looks pretty good on you America. Here's to the next 250. Happy 4th of July weekend! Be safe and festive. 🎆 🎇

06/30/2026

I've shared snippets from this infographic in prior weeks, but this piece is so comprehensive that it merits a standalone post. There's a lot to take in but that's ok. It's important to have the full picture in front of you.

Review the infographic and share in the comments what was most enlightening and immediately impactful for your .

Download infographic: https://tinyurl.com/547b5zjj

06/26/2026

are becoming an increasingly popular discussion with clients, which leads me to believe that if it’s a focal point for them it also is for you. That’s why I put this slideshow together, to give you a basic understanding of what they are and why they matter to your financial plan.

06/23/2026

Recently, I brought up mortality credits, a strategic topic that is both nuanced and complex. After hearing from a few of you, I decided to put together this graphic to summarize why mortality credits matter. Comment or send me a DM to start a deeper conversation.

06/21/2026

Happy Father's Day to all the dads out there, including me. 😄

06/18/2026

Recently, I provided a take on the Strait of Hormuz and the ramifications to investors. It’s a complicated topic and has given my client’s bouts of anxiety and sleepless nights. Are you feeling the same stress and confusion? Here is a FAQ that aims to alleviate uncertainty and clarify any concerns you may have.