Tall Oaks Podcast
Educating and empowering individuals that want to have more effective engagements with professionals around their financial lives.
DISCLAIMER: Information presented is for your educational purposes only and should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.
Episodes
130 episodes
Annuities Explained: Fees, Income Riders, and When They Actually Make Sense
Are annuities worth it? Branden DuCharme sits down with colleague Jace Austin — who spent nearly a decade writing life insurance and annuity contracts — for an honest, no-sales-pitch look at how these products really work.They cover what...
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Equity Compensation Explained: RSUs, ESPPs, NSOs & ISOs | with Mark Cecchini
Equity compensation comes with its own alphabet soup — RSUs, ESPPs, NSOs, and ISOs — and getting it wrong can cost you thousands. In this episode, Branden DuCharme, CFP® is joined by equity comp specialist Mark Cecchini, CFP® to break it all do...
August 2026 Market Update: What Rates, Oil & Gold Are Signaling Now
Branden DuCharme closes out August 2026 with a chart-driven read on what the markets are actually signaling — not stock tips, but the big inter-market trends worth understanding.In this episode:The ten-year Treasury and why h...
Jim Bianco: The Fed, Jackson Hole & Rising Rates
New Fed Chair Kevin Warsh delivers his first Jackson Hole keynote on August 28. Ahead of it, host Branden DuCharme talks with macro strategist Jim Bianco (Bianco Research) about why the bond market is rejecting the Fed's current policy — and...
The Dollar Milkshake Theory with Brent Johnson of Santiago Capital
The Dollar Milkshake Theory — explained by the person who created it. Brent Johnson, CEO of Santiago Capital, joins Branden DuCharme to unpack how the US dollar really works and why the popular "the dollar is collapsing" narrative gets it backw...
Federal Employee Retirement: FERS, TSP & the Pension Explained
Federal employees have one of the most misunderstood retirement setups out there — and most navigate it alone, with advice from a coworker or a Google search. Branden DuCharme sits down with Trevor Trebbien of Encompass More, who specializes in...
Cutting Through the Noise: Rates, Gold & Energy | July Market Update
Gold at $49,000? Branden isn't calling for it — but the chart behind that number is one of the most overlooked signals in the market right now.In this July market update, Branden DuCharme steps past the individual stock picks ...
Estate Planning Beyond the Will: Probate, Taxes & Gifting
Most people think a will and a trust binder means their estate plan is done. But when we open that binder, we usually find blank pages, homes never titled into the living trust, and accounts that were never funded. The document looks complete —...
Debt Payoff and Investing: A Coach's Playbook
Should you pay off debt or invest first? A Ramsey-certified financial coach breaks down how to do both — the smart way.In this episode of the Tall Oaks Podcast, Branden DuCharme sits down with Marcus Corvino, the financial coach at DuCha...
Trump Accounts Explained: Free Money, Real Tradeoffs
Trump Accounts became legal on July 4, 2026. Branden DuCharme and Carisa walk through what they are, who qualifies, and where they fit in a real plan.Kids born between January 1, 2025 and December 31, 2028 can receive a one-time $1,000 c...
Is Playing It Safe Still Working? | June 2026 Market Recap
Is playing it safe still working? Branden DuCharme breaks down what happened across the markets in June and what the charts are signaling heading into the second half of 2026 — interest rates, the US dollar, Bitcoin, emerging markets, the Magni...
Your Cheapest Policy Could Be Your Most Expensive Mistake
Is your cheapest insurance policy quietly setting you up for financial disaster? In this episode of the Tall Oaks Podcast, Branden DuCharme sits down with Latham Jepson — a property and casualty insurance broker based in Utah — to break down th...
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First-Time Buyers Are Making This One Huge Mistake
Is real estate investing still a reliable path to wealth? Stop viewing buying a home as a guaranteed ticket to riches and avoid financial strain.This discussion challenges the outdated belief that real estate is an automatic wealth buil...
Insurance Gaps Most People Don't See Coming
We make the case for a mid-year insurance review and explain insurance as a tool to transfer the few risks that can blow up your cash flow and net worth. We walk through the coverages that matter, the gaps we see most often, and a simple proces...
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Is Playing It Safe The Riskiest Move Now
Managing your investment portfolio requires balancing US stock market exposure with the necessity of taking calculated financial risk.We talk with Meb Faber about building wealth with boring consistency, and why chasing “easy” income ca...
May 2026 Market Internals | Strong On Top, Broken Underneath
In the May 2026 market update, Branden emphasizes the importance of systematic financial strategies and methodical decision-making within a dynamic market economy. We explore how adhering to predefined rules in your financial life is crucial, e...
The Passive Income Lie Landlords Don't Want You Hearing
Many people often misunderstand the true nature of real estate ventures, particularly rental property investing. This discussion clarifies that owning rental properties is not a passive income stream, but rather an active real estate business r...
Your Budget Probably Isn't Working Because You're Doing It Wrong
Most people avoid two simple documents their entire financial life — and it's costing them more money than they realize.If you've ever felt like managing your personal finance is more complicated than it should be, you're not alone. The...
The Social Security Claiming Mistake Almost Every Retiree Makes
Should you claim Social Security at 62, 67, or 70? That single decision can change your lifetime retirement income by $500,000 or more—and it's permanent. In this episode, Branden sits down with Steve Durdin, a New Jersey financial planner and ...
Paying Off Your Mortgage Early: The Part Nobody Tells You
Should you pay off your mortgage early or invest the extra cash? The answer isn't as simple as the math suggests — and making the wrong call can quietly cost you flexibility when life gets complicated.In this episode, we answer real aud...
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You Don't Actually Understand Risk (And Why That's Dangerous) | Dr. Ron Picanini
Risk gets thrown around like it's a math term, but your life experiences it as a margin call. In this episode, we sit down with Ron Piccinini to rebuild the definition from the ground up: risk is the loss you can take and the collateral you'd n...
Does Your Rental Deal Actually Pencil? (We Run The Real Numbers)
A rental property can feel safer than the stock market because you can touch it, but the math doesn't care how tangible it feels. In this episode, we walk through a real rental deal in St. George, Utah and ask the only question that matters: do...
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Is Private Credit Actually Safe? March 2026 Market Recap
Private credit was the investment everyone bragged about at cocktail parties. Now March 2026 is putting that story to the test — and the data is worth paying attention to.In this episode, we walk through what private credit's liquidity ...
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Which Letters Actually Matter?
Most people hire a financial advisor by recognizing a few letters and hoping for the best. That's how you end up paying a brain surgeon to treat a sniffle.In this episode, Branden sits down with Cliff Cornell — CFP based in New York and wri...
Lost Decades Can Break A Retirement Plan If You Ignore Sequence Risk
The scariest market risk isn’t a single bad year. It’s a long stretch where your portfolio goes sideways, inflation keeps eating purchasing power, and you still need to pull cash for real life. That’s what “lost decades” look like, and today we...
