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Malibu Wealth Planning Ryan Morelli | Financial Advisor

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10/18/2026

🚨 THIS COULD BE THE NEXT THING THAT HITS YOUR INVESTMENTS HARD.

The cost of moving oil around the world has exploded—and most people have no idea how big the increases are.

Last year, moving roughly 2 million barrels of oil from the U.S. to Japan cost about $9 million.

Now? Around $81 million.

And it’s not just one route.

• Middle East → China: up about 2,400%
• West Africa → Europe: up about 1,200%
• Middle East → Japan: up about 1,200%
• U.S. → Europe: up more than 700%
• Singapore → Australia: up nearly 270%

Those are enormous increases in the cost of moving energy around the world.

And oil doesn’t just affect what you pay at the gas pump.

It touches transportation, farming, manufacturing, plastics, packaging, shipping—and eventually the prices consumers pay.

That’s why I think this is worth watching closely.

And from an investing standpoint, here’s a question I think more people should be asking:

Do you actually know how much of your portfolio is exposed to oil and energy?

Not whether you think you own energy.

Do you know if you’re overweight, underweight, or barely exposed at all?

💬 Do you think higher energy costs are going to show up more noticeably in everyday prices over the next few months?

Save this one. I think this is a story worth coming back to.

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

10/17/2026

If you have money in the stock market, I really think this is worth watching🚨

I’m not trying to scare anyone or sell anything. I just want people to understand what’s happening beneath the headlines.

Inflation is moving higher again. Gasoline prices are about 34% higher than a year ago, and the Nasdaq just had another rough day as earnings season gets underway.

Think about what higher prices actually mean in everyday life.

More to fill your car.
More for groceries.
More for travel.
More for housing.

And when millions of households have less disposable income, eventually that can show up in company earnings.

That’s what I’m watching right now.

And here’s the part I think people underestimate:

If you have $1 million invested and the market drops 20%, that’s a $200,000 decline on paper.

If you’re retired and withdrawing money at the same time, market volatility can feel very different than it does when you’re still decades away from retirement.

I’m not saying a 20% decline is guaranteed. It isn’t.

I’m saying this is a good time to ask yourself one simple question:

Do I actually know how much risk I’m taking?

Because being comfortable with your portfolio when everything is going up is easy.

The real test comes when it isn’t.

💬 What are you watching most closely right now—inflation, earnings, interest rates, or the market itself?

Save this and come back to it in a few weeks.

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

10/16/2026

🚨 MARK THIS VIDEO: THE WARNING SIGNS ARE GETTING HARDER TO IGNORE

Are you positioned for the economy we have now — or the one that could be coming next? Message me to find out!

Shipping costs are surging. Mortgage rates are higher. Fertilizer supply is tightening. Transportation costs are climbing.

Now ask yourself:

What happens when all of those pressures hit consumers at the same time?

When families spend more on food, energy, housing, and transportation, they have less money left for everything else.

That can lead to weaker consumer spending, pressure on corporate earnings, lower stock valuations, and greater risk to retirement portfolios.

Some of the numbers:
• Supertanker shipping costs reportedly jumped from $10–15 million to more than $80 million
• Certain trucking fuel surcharges increased about 54%
• European nitrogen fertilizer imports fell 51%
• Saudi fertilizer exports fell 63%
• Mortgage rates climbed from roughly 6.3% to 7.4%

The market may still look strong today.

What sector are you watching most closely right now?

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

10/14/2026

Could a Fixed Annuity Create Another Retirement Paycheck?

If you’re approaching retirement, one option worth understanding is a fixed annuity.

Depending on the contract, a fixed annuity may offer:

• Protection from direct stock-market losses
• Interest credited according to the contract terms
• More predictable retirement planning
• The ability to create income now or later
• An additional income stream alongside Social Security or a pension

The tradeoff? You generally give up some liquidity and flexibility in exchange for greater predictability.

That means annuities aren’t right for everyone—but they can be one piece of a broader retirement-income strategy.

At Malibu Wealth Planning, we help clients understand their retirement-income options and determine how different strategies may fit into their overall financial plan.

Have questions about annuities or creating reliable retirement income? Send us a message—we’re happy to help you understand your options.

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

10/13/2026

The Retirement Tax Mistake You Don't Want to Make!

You've spent decades saving for retirement, but have you thought about what happens when the IRS requires you to start withdrawing that money? 🤔

Required Minimum Distributions (RMDs) are mandatory withdrawals from certain retirement accounts, including traditional 401(k)s, 403(b)s, and IRAs. These withdrawals are generally taxable income, whether you need the money or not.

The biggest mistake? Waiting until RMDs begin to think about your tax strategy.

At Malibu Wealth Planning, we help individuals prepare for retirement by developing proactive strategies to manage withdrawals, evaluate Roth conversions, explore charitable giving opportunities, and plan for the tax implications of retirement income.

With decades of retirement planning experience, we believe smart retirement planning isn't just about how much you save — it's also about how you withdraw it.

📩 Approaching retirement? Send us a message today to learn how early RMD planning may help you make more informed financial decisions.

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

10/13/2026

What Are Structured Notes, and Could They Fit Into Your Retirement Strategy?

You've spent decades building your retirement savings, but what if there are investment options you've never even heard of? 🤔

One investment worth understanding is a structured note — a financial product that can be designed to provide income, offer growth potential, or include certain levels of downside protection.

While structured notes aren't suitable for everyone and carry risks, including potential loss of principal and issuer credit risk, they may offer additional investment strategies beyond those typically available in employer-sponsored retirement plans.

At Malibu Wealth Planning, we help retirees explore investment opportunities, understand potential risks and benefits, and build personalized retirement portfolios aligned with their financial goals.

With over 30 years of investment and retirement planning experience, we believe informed decisions start with understanding all your options.

📩 Getting ready to retire? Message us today to learn more about structured notes and whether they might have a place in your retirement strategy.

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

10/11/2026

💰 Retirement Planning 101: What Happens to Your 401(k) When You Retire?

You've spent 20, 30, or even 40 years building your retirement savings. But what happens to that money when you stop working? 🤔

Retirement brings a whole new set of financial decisions. Should you leave your 401(k), 403(b), or 457 plan with your employer? Roll it into an IRA? How will you manage withdrawals, potential Required Minimum Distributions (RMDs), and income needs throughout retirement?

The strategy that helped you build wealth isn't necessarily the same strategy you'll need to preserve it.

At Malibu Wealth Planning, we help individuals navigate these important transitions by evaluating retirement account options, developing income strategies, and creating personalized financial plans designed for long-term security.

With over 30 years of experience, we help take the uncertainty out of retirement planning so you can make informed decisions about your financial future.

📩 Retiring soon? Send us a message to discuss your retirement accounts and explore your options before making your next move.

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

10/09/2026

Retirement Planning 101: Should You Take Your Pension as a Lump Sum or Monthly Payments?

One of the biggest retirement decisions you’ll make could also be one of the hardest to reverse.

If your pension offers both options, should you take guaranteed monthly income for life or a lump sum that gives you more control over your retirement assets?

Both have potential benefits, but the right choice depends on your financial goals, income needs, and long-term retirement strategy.

At Malibu Wealth Planning, we help individuals navigate important retirement decisions, evaluate their options, and develop strategies designed to protect their financial future.

With over 30 years of experience, we understand that retirement planning isn't one-size-fits-all.

📩 Getting ready to retire? Message us today to discuss your pension options before making a decision you may not be able to change.

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

10/08/2026

🥇 Is the gold and silver story over? The price may not be telling the whole story.

While investors focus on daily moves, something bigger is happening behind the scenes.

🇨🇳 China’s central bank reportedly purchased another 22.2 tons of gold in August—its largest monthly purchase in nearly three years—and has been buying for 22 straight months.

But central banks aren’t just accumulating gold. Countries are also reconsidering where their gold is physically stored.

• The Netherlands reorganized 86 tons held in North America, bringing more than 27 tons back home
• India has steadily moved more of its reserves home since 2022
• France recently shifted the economic location of 129 tons of gold from New York to Europe

And then there’s silver.

🥈 The world has consumed more silver than it produced for five consecutive years, with 2026 expected to become year six.

Since 2021, those deficits have totaled roughly 762 million ounces—metal that had to come from existing above-ground inventories.

Physical silver investment is also projected to rise by at least 20% this year.

Gold and silver prices can still fall—and sometimes fall sharply.

But instead of watching only the price on the screen, watch what’s happening with the actual metal.

Central banks are accumulating gold. Countries are repositioning their reserves. And global silver demand continues to exceed new supply.

Watch what they’re doing with the metal—not just what the screen says it’s worth.

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

10/07/2026

🌾 The food supply may look fine today—but what happens to the next harvest?

Some important warning signs are developing underneath the surface:

• Europe imported 51% less nitrogen fertilizer in the first half of 2026—about 1.6 million tons less
• Saudi Arabian fertilizer exports fell 63%
• Ukraine’s grain exports fell more than 60% in September
• Russia’s grain exports were roughly half of last year’s level
• Drought and extreme heat wiped out an estimated 3.5 million tons of potatoes in Europe
• Commercial shipping carrying agricultural products is also facing growing risks

The concern isn’t whether grocery stores have enough food today.

It’s what happens months from now if farmers struggle to get fertilizer, harvests decline, and moving grain around the world becomes more difficult and expensive.

That combination could eventually work its way into food prices, inflation, consumer spending and financial markets.

Sometimes the most important economic story isn’t what’s happening today—it’s what today’s disruptions could mean tomorrow.

Disclaimer: This video is for informational purposes only and should not be construed as financial advice. Past performance is not indicative of future results. Please consult with a financial advisor before making investment decisions.

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