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Down the Middle

Peter Mallouk & Jonathan Clements

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Down the Middle is a monthly podcast series where Creative Planning President, Peter Mallouk, and Director of Financial Education, Jonathan Clements, discuss recent market events, Creative Planning's investment philosophy, give monthly tips and more.
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A Thousand Miles from Wall Street, hosted by Creative Planning President Peter Mallouk, is a thoughtful, informed discussion about ideas, trends and developments in wealth management, financial planning, investments, tax and estate planning. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
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The Standard Deduction

Candace Varner, Ben Hake, Peter Mallouk

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The Standard Deduction podcast is hosted by Creative Planning President Peter Mallouk along with Tax Directors, Candace Varner and Ben Hake. This podcast is a thoughtful, informed discussion about ideas, trends and developments in taxes related to personal wealth management. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future. We believe that education and planning are key components to fin ...
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Ever notice that we will talk about everything before we talk about money? Sex? No problem. Politics? Bring it on. Money? Totally taboo. But not for long! Nicole Lapin— the only financial expert you don’t need a dictionary to understand, New York Times best-selling author, and host of Money Rehab— is here to rehab your wallet, so you can get your financial life together once and for all. Episodes are just ten minutes-ish... no frills, just bite-sized tips and tricks so you don’t waste any ti ...
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There’s a lot of noise out there when it comes to your finances. Join host John Hagensen and his guests from independent RIA Creative Planning as they cut through the headlines and loud takes to challenge the advice you may have been given and reaffirm what you know to be true. A Managing Director at Creative Planning and long-time host of the Rethink Your Money radio show, John aims to provide the most up-to-date information and freshest thinking on investing, taxes, estate planning and man ...
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Today, Nicole continues to unpack do's and don'ts for market downturns— this time, she's joined by Peter Mallouk, President and CEO of award-winning wealth management firm Creative Planning. In this conversation, Nicole and Peter break down the smart (and not-so-smart) moves to make when the market’s in the red. To learn more about Creative Plannin…
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Hosted by Nicole Lapin the podcast Scams, Money, and Murder dives into the dark side of finance. From cutthroat con artists to billion-dollar scams, and even murder, Nicole will take you through the world’s wildest financial crimes -- or talk to the experts who studied them, and the victims that survived them. Scams, Money, and Murder with Nicole L…
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Why do many feel this year’s stock market volatility rivals much worse declines of the past? And why are the market’s moments of weakness such a gift for the individual investor? Peter and Jonathan answer these questions and provide their tips for the month. Hosted by Creative Planning’s Director of Financial Education, Jonathan Clements, and Presi…
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The portfolios of members of Congress outperform the S&P 500 by 17%. That's not smart investing— that's insider trading. Today, Nicole shares some jaw-dropping examples of insider trading in Washington, and how we can use politicians' investment disclosures to predict the future.By Money News Network
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How do you work towards multiple financial goals at once? The answer isn’t some money move that your future self will need to make… the answer lies within the money moves you are making now. Right now. And we’ll show you how to make those money moves, with help from Bank of America, who Nicole partnered with for this episode. Whatever goals you’re …
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After a wave of not-so-great headlines on tariffs, we finally have some good news: the Trump Administration is signaling cuts to the new tariffs on Chinese goods. But what does that actually mean for your bank account? To follow the money trail, Nicole brings back Fred P. Hochberg—former President of the Export-Import Bank and Acting Administrator …
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After a whirlwind of headline whiplash over the last month, last week in the economy felt... quieter. But quieter doesn’t mean unimportant. Instead of chasing breaking news, we’re settling into the “new normal”—whatever that ends up meaning in this cycle. So what do investors need to know now that the dust has (somewhat) settled? To help answer tha…
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There are tons of tariff loophole videos going viral right now, taken by people claiming to be manufacturers in China. These people say that you can bypass the tariffs through buying your favorite Chinese-made products (think Lululemon yoga pants to Louis Vuitton bags) straight from them. Today, Nicole explains if those are legit, which tariff loop…
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Today’s caller is living the freelance dream—flexible schedule, creative freedom, but… zero employer retirement benefits. If you’re self-employed and wondering how the heck you’re supposed to save for retirement without a 401(k), this episode is for you. Nicole breaks down the best retirement accounts for freelancers, how to reverse-engineer your s…
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Is 2008 repeating itself? That’s the big question in the headlines, and today Nicole is talking to the perfect person to answer that question. Steve Eisman doesn’t need much of an introduction—he’s the investor who famously saw what no one else saw in 2008 and bet against the market before the crash (he was portrayed by Steve Carell in The Big Shor…
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Consumer confidence in the U.S. is shaky right now—and with ongoing tariff drama and mixed economic signals, it’s no surprise investors are feeling uneasy. But here’s the thing: the U.S. is not your only option. Today, Nicole explains why looking beyond U.S. borders could be the smartest move for your portfolio right now. From “blue-chip” countries…
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Carter Braxton Worth, legendary chart analyst and guest on today’s episode, made headlines when he called the current bear market back in February—weeks before the major sell-off in early March. Nicole and Carter dig into what he was seeing in the charts that signaled the downturn, what the market is saying post-"Liberation Day," and how tariffs co…
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The market just took a nosedive, and tariffs announced by President Trump are at the center of it all. In this episode, Nicole breaks down how those tariffs rattled the global economy, what that means for prices and industries here at home, and—most importantly—what you can do to protect your hard-earned money. She'll share why she's still bullish …
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The stock market just had its worst day since 2020, and Trump’s proposed “Liberation Day” tariffs are at the center of the storm. The administration is arguing that these sweeping international tariffs will be a win for American workers—promising to bring manufacturing back home, reduce the trade deficit, and generate revenue. But history—and econo…
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If you’ve got a 401(k) or invest using Nicole’s Index Funds and Chill approach, chances are you’re a shareholder in major companies like Berkshire Hathaway or Tesla—and that means you have power. You can vote on who runs these companies, how they operate, and where your money goes. But most of us don’t use that power, and while we sit it out, other…
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The U.S. stock market has had a rocky start to the year, with some indexes falling more than 10%. Peter and Jonathan discuss what triggered the decline and whether share prices are likely to struggle in the months ahead. Plus, each gives their tip of the month. Hosted by Creative Planning’s Director of Financial Education, Jonathan Clements, and Pr…
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Earliest this month, the stock market had its worst day in years. Is this the beginning of the recession we’ve been bracing for? That’s just part of what Nicole covers today with Kevin Simpson, the Founder and Chief Executive Officer of Capital Wealth Planning, an investment advisory firm with $10 billion of assets under management. Kevin and Nicol…
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Stocks get all the attention, but bonds? They deserve some love too. If the latest market swings have you feeling a little queasy, bonds can help balance your portfolio and create a steady stream of passive income. In today’s episode, Nicole sits down with a Money Rehabber who wants to start investing in bonds but isn’t sure where to begin. Nicole …
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Does talking about money stress you out? You’re not alone. Today’s Money Rehabber feels like his financial health would benefit from open communication about money with his friends and family… but [s/he] just can’t start the conversation. Today, Nicole helps him practice those conversations so that the real deal is easier. Once you’re ready to take…
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You’ve heard the old investing advice: “buy low, sell high.” But what if we told you that selling isn’t the only way to make money from your investments? Today, Nicole breaks down three easy, low-maintenance ways to generate income: bonds, high-yield cash accounts, and dividend stocks. Whether you’re looking to diversify your portfolio or just want…
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Wall Street just had its worst trading day in years by some metrics, and the sell-off was broad and brutal. Today, Nicole explains how bad it really was, why this happened in the first place, what will happen next, and what you should do to protect your money. All investing involves the risk of loss, including loss of principal. Brokerage services …
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Today, Nicole is going to tell you about the investment hiding in plain sight: commodities. To learn more investing strategies, order Nicole's new book The Money School HERE! All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are…
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You may have seen the news last week that the consumer confidence index fell by 7 points this month, marking the largest drop since August 2021. Translation? People are getting nervous about a recession. But here’s the thing—you don’t have to panic just because the economy is. Even if you’re skeptical about the marco-economy, you can create confide…
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Today, Nicole makes a special announcement — and along the way, teaches you why interest rates can help you keep your finger on the pulse of the best investments available in any economic climate. Pre-order Nicole's upcoming book The Money School HERE! All investing involves the risk of loss, including loss of principal. Brokerage services for US-l…
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Peter and Jonathan discuss what defines an “alternative investment” and what investors can potentially get from these assets that they can't get elsewhere. Plus, a reminder to keep politics out of your portfolio and why it might be worth taking a second look at your tax return. Hosted by Creative Planning’s Director of Financial Education, Jonathan…
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This week, Money Rehab is hosted by Pamela Maass Garrett, aka Law Mother, attorney and money expert. Divorce, of course, is a legal process— but it's also an emotional one. Today, Pamela shares seven tips for protecting your wealth during divorce. Then, Pamela is joined by phenomenal journalist and podcaster Catt Sadler for a conversation on protec…
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This week, Money Rehab is hosted by Pamela Maass Garrett, aka Law Mother, attorney and money expert. The recent wildfires in Los Angeles have forced many families to face the unimaginable reality of losing their homes. But even for those who still have a roof over their heads, this is a wake up call. If disaster strikes, will your insurance company…
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For the rest of the week, Money Rehab will be hosted by Pamela Maass Garrett, aka Law Mother, attorney and money expert. Today, Pamela reveals the four powerful strategies she uses to build lasting wealth for her kids—and how you can apply them to secure a strong financial future for the children in your life. Pamela Maass Garrett, aka Law Mother, …
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You've seen the headlines about the Trump Tariffs. Today, Nicole explains how they're going to affect your wallet, and what you can do to protect yourself. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to…
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As you know, many parts of Los Angeles were devastated by recent wildfires. Nicole is taking a deep breath, and sharing her story. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, me…
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On today's special Valentine's Day episode, Nicole is joined by Jim McCann, Founder & Chairman at 1-800 Flowers.com. After this conversation, you'll never see flowers the same, and you'll definitely stop and smell the roses— we guarantee it. Plus, Jim has the best tip around saving on Valentine's Day we've ever heard. You can't afford to miss this …
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Before Brandon Copeland was at the NFL, he was tackling a business education at Wharton. Now, he's back on his finance game and ready to nerd out with Nicole. Brandon tells Nicole how he bucked the trend and turned his NFL money into real wealth, how much he made his first year at the NFL, and what he thinks of the new NFL and private equity opport…
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This week, Money Rehab is hosted by Minda Harts, bestselling author and expert who helps organizations build cultures of trust and belonging through her speaking, writing, and innovative Trust Catalyst game. In each episode this week, she’s focusing on one of the seven “trust languages” she's determined to be essential to a healthy workplace. Did y…
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This week, Money Rehab is hosted by Minda Harts, bestselling author and expert who helps organizations build cultures of trust and belonging through her speaking, writing, and innovative Trust Catalyst game. In each episode this week, she’s focusing on one of the seven “trust languages” she's determined to be essential to a healthy workplace. So fa…
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This week, Money Rehab is hosted by Minda Harts, bestselling author and expert who helps organizations build cultures of trust and belonging through her speaking, writing, and innovative Trust Catalyst game. In each episode this week, she’s focusing on one of the seven “trust languages” she's determined to be essential to a healthy workplace. Today…
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This week, Money Rehab is hosted by Minda Harts, bestselling author and expert who helps organizations build cultures of trust and belonging through her speaking, writing, and innovative Trust Catalyst game. In each episode this week, she’s focusing on one of the seven “trust languages” she's determined to be essential to a healthy workplace. Today…
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This week, Money Rehab is hosted by Minda Harts, bestselling author and expert who helps organizations build cultures of trust and belonging through her speaking, writing, and innovative Trust Catalyst game. All week, you're going to hear a deep dive on trust. She interviews fascinating guests on how to build trust in the workplace, how to rebuild …
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The Trump administration has issued a flurry of proposals and pronouncements affecting trade, taxes, immigration, energy policy and more. What might these mean for the economy and financial markets moving forward? Plus, Peter and Jonathan share tips for teaching young children to value money and helping teenagers understand paycheck deductions. Hos…
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This week, Money Rehab is hosted by Claire Wasserman, the founder and author of Ladies Get Paid, a coaching practice newsletter and podcast dedicated to helping women embrace their worth inside and out. Today, Claire tells you how to rewire your brain to fight negative thought patterns around money— or, as Claire calls it "broke baggage." In this e…
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This week, Money Rehab is hosted by Claire Wasserman, the founder and author of Ladies Get Paid, a coaching practice newsletter and podcast dedicated to helping women embrace their worth inside and out. Today, you'll be a fly on the wall for one of Claire’s coaching sessions with an anonymous caller who is feeling stalled in her career. This caller…
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This week, Money Rehab is hosted by Claire Wasserman, the founder and author of Ladies Get Paid, a coaching practice newsletter and podcast dedicated to helping women embrace their worth inside and out. Today, you'll be a fly on the wall for one of Claire’s coaching sessions with an anonymous caller who is struggling to charge what she's worth. Thi…
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This week, Money Rehab is hosted by Claire Wasserman, the founder and author of Ladies Get Paid, a coaching practice newsletter and podcast dedicated to helping women embrace their worth inside and out. Today, you'll be a fly on the wall for one of Claire’s coaching sessions with an anonymous caller who needs help making a career pivot. This caller…
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This week, Money Rehab is hosted by Claire Wasserman, career coach, bestselling author, and co-founder of the community Ladies Get Paid (where Claire helps women do exactly that!). Today, you'll hear an episode Nicole and Claire taped together before Nicole went on maternity leave. In this conversation, Claire shares the exact language you should u…
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On our final episode, we’re using the NFL Conference Championship games to draw the parallels between winning on the field and achieving financial victory. Inspired by the wisdom of legendary football coach Jimmy Johnson and the insights of our President and CEO Peter Mallouk, this episode shares strategies for avoiding costly mistakes when it come…
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