What if you stopped watching the stock price and started watching the paycheck?

SCHD — the Schwab U.S. Dividend Equity ETF — has delivered something investors looking for retirement income should pay attention to: rising dividends over time.

From 2015 to 2025, SCHD's annual dividend per share increased from roughly $0.38 to $1.05 — a significant increase in the income generated by the same shares.

And what's especially interesting is what happened during difficult markets.

In 2020, during the COVID crash, SCHD's dividend increased. In 2022, while inflation surged and markets struggled, its dividend increased again.

In this video, Jarrod Adams breaks down:

• SCHD's dividend growth from 2015–2025

• Why dividend growth can matter more than short-term price movements for retirement income

• What happened to the dividend during the 2020 market crash

• How rising dividends compared with inflation

• What a hypothetical $1 million investment could have produced in dividend income

• Why reinvesting dividends before retirement can potentially create a larger future income stream

The bigger lesson isn't necessarily "buy SCHD."

It's understanding the difference between watching the price and building an income-producing portfolio designed to support your retirement goals.

If you're interested in investing, retirement income, dividend growth, and building wealth with a long-term mindset, subscribe to Jarrod Adams Investing.

⚠️ IMPORTANT DISCLOSURE This is educational information only—NOT personalized financial advice. Past performance ≠ future results. Individual circumstances vary significantly. Before making financial decisions, consult a qualified advisor who can review your complete picture. Jarrod Adams Investing is a fee-only, fiduciary RIA registered in NC. Charles Schwab is our custodian. Questions: jarrod@adamsinvesting.comwww.adamsinvesting.com Jarrod Adams Investing LLC

How would you react if your investment portfolio lost half its value overnight? While a 50% market decline may sound extreme, history shows that significant market downturns are a normal part of long-term investing. The real difference between successful investors and everyone else often comes down to how they respond when volatility arrives.

In this video, we cover:

• Charlie Munger’s timeless lesson about investing psychology • Why 50% market declines are more common than most people realize

• Historical examples from companies like Berkshire Hathaway, Amazon, and Apple

• The biggest mistake investors make during market downturns

• How emotions can permanently damage long-term investment results

• Why understanding your true risk tolerance matters before the next correction

• The importance of maintaining liquidity and having a cash strategy

• How to distinguish temporary market fear from changes in a company’s fundamentals

• The hidden cost of avoiding volatility through overly conservative investments

• Why having a disciplined investment framework is essential for long-term success

This video explores the emotional side of investing and explains why preparing for volatility before it happens is one of the most important steps toward building long-term wealth.

If you'd like to evaluate whether your portfolio is positioned to withstand future market downturns, schedule a consultation to discuss your investment strategy and long-term financial goals.

⚠️ IMPORTANT INFORMATION This post contains educational information and historical examples. It is NOT personalized financial advice for your individual situation. Past results do not guarantee future results. Your actual costs, inflation, returns and circumstances will vary. Before making retirement planning decisions, I'd encourage you to talk with a qualified financial advisor who can look at your complete picture — your assets, goals, risk tolerance, health situation, family needs, everything.

www.adamsinvesting.com Jarrod Adams Investing LLC

Patrick Mahomes contract analysis reveals how taxes impact a 504 million dollar deal. See the actual net pay and long-term math.

This breakdown explores the reality behind the massive Patrick Mahomes contract figures. Viewers interested in professional athlete salary structures will learn how taxes reduce the total to 293 million dollars, and how that translates to 5.46 million dollars annually over 50 years.

This analysis is built for those curious about the gap between headline numbers and actual take-home pay.Beyond the raw data, this video emphasizes the critical need for sound athlete financial planning.

Understanding tax implications is only the first step in a broader money management strategy. By looking at these specific figures, viewers gain a clearer perspective on why long-term planning, clarity, and flexibility are essential for sustaining wealth regardless of the initial salary size.

Subscribe for weekly finance breakdowns, and comment which professional contract you want analyzed next.

⚠️ IMPORTANT INFORMATION This post contains educational information and historical examples. It is NOT personalized financial advice for your individual situation. Past results do not guarantee future results. Your actual costs, inflation, returns and circumstances will vary. Before making retirement planning decisions, I'd encourage you to talk with a qualified financial advisor who can look at your complete picture — your assets, goals, risk tolerance, health situation, family needs, everything. www.adamsinvesting.com Jarrod Adams Investing LLC www.adamsinvesting.com Jarrod Adams Investing LLC

Everyone wants to find the next Amazon, Apple, or Nvidia. But here's the reality: even professional fund managers struggle to consistently beat the market.

In this video, we break down why picking individual stocks is often the wrong strategy for most investors and why a diversified index fund may provide a better path to long-term wealth.

We'll cover:

• Why stock picking is harder than it looks

• The importance of diversification

• How emotions can hurt investment returns

• Why index investing has become the preferred strategy for many long-term investors

• When it might make sense to own individual stocks

• The goal isn’t to outperform everyone else—it’s to build wealth consistently over time.

Chapters 00:00 Why Stock Picking Is So Tempting

00:23 Reason #1: Nobody Can Predict the Future

00:49 Reason #2: Diversification Matters

01:24 Reason #3: Emotions Hurt Returns

01:47 Should You Ever Buy Individual Stocks?

02:02 The Better Long-Term Strategy

02:08 Final Thoughts

⚠️ IMPORTANT DISCLOSURE This is educational information only—NOT personalized financial advice. Past performance ≠ future results. Individual circumstances vary significantly. Before making financial decisions, consult a qualified advisor who can review your complete picture. Jarrod Adams Investing is a fee-only, fiduciary RIA registered in NC. Charles Schwab is our custodian.

If you are 57, your retirement planning decisions over the next few years will define your financial future. Learn how to secure your comfort today.

This video is designed for professionals aged 57 who are still working and want to maximize the critical three to eight-year window before retirement. We break down why the choices you make right now are the primary factors in determining whether your later years are stress-free or financially difficult. We focus on the reality of longevity risk, specifically addressing the fact that you may need your retirement savings to last for over 30 years if you live into your 90s.

By prioritizing smart financial planning at 57, you can create a clear path toward retirement security. We analyze the specific risks associated with this age group and provide actionable steps to ensure your working years effectively support your future needs. Proper planning for retirement is not about guesswork, but about making calculated decisions while you are still earning.

It’s not the people who didn’t save enough who feel the most anxiety near retirement.

It’s the high performers — the executives, business owners, professionals, and achievers who did everything right.

So why does stress increase when the numbers look strong?

Because retirement isn’t about earning anymore. It’s about protecting, withdrawing, and navigating uncertainty over the next 20–30 years.

In this video, we cover:

• Why high achievers struggle with the loss of control

• The pressure of protecting the life you’ve built

• Why strong portfolios don’t always create confidence

• What actually reduces financial anxiety in retirement

Clarity replaces uncertainty. strategy replaces fear.

If you’re approaching retirement and feeling this pressure, you’re not alone.

At Jarrod Adams Investing, our core beliefs center on a long-term, goal-focused, and plan-driven approach to investment strategies. We emphasize financial education, helping clients understand that investing in a broadly diversified portfolio of quality equities is key to effective financial management.We believe that the economy and markets cannot be consistently forecast or timed, making a disciplined approach to long term investing crucial for wealth management.

Ever wonder why losing $1,000 feels worse than gaining $1,000?

This video dives into behavioral economics and the concept of loss aversion, a key cognitive bias that shapes our decision making.

We'll explore how this psychological phenomenon impacts investing psychology, often leading to irrational choices driven by the emotions of investing.

You've worked decades to retire—but one mistake in Year One could jeopardize everything.

In this video, we explore the 3 biggest retirement spending traps:

– The “I Deserve It” splurge

– Misjudging your cash flow timing

– Emotional purchases from boredom or celebration

Plus, we share 3 essential fixes:

• Building a spending transition plan

• Pre-committing to big-ticket items

• Stress testing your plan for real-world market scenarios

Don't let one unplanned purchase derail your retirement. Start building your retirement runway today.

👥 Want help creating your personalized retirement plan?

📩 Reach out now to schedule your free planning session.

Most people think investing is all about spreadsheets, trends, and timing the market. But the real risk? It's not the market. It's human behavior.

In this video, we dive into:

✅ Why emotions ruin smart strategies

✅ How fear affects your financial decisions

✅ The step-by-step process we use to build lasting wealth

✅ The #1 mistake most investors make near retirement

✅ How to turn uncertainty into a long-term plan

Whether you're a professional in your prime or preparing for retirement, this video will give you clarity—and control.

🔔 Subscribe for more insights on wealth building, retirement strategies, and making smarter financial decisions.

When a client came to us with $10 million sitting in a home safe, he thought he was playing it safe. What he didn’t realize was how fast inflation was eroding his purchasing power every single year.

Retirement anxiety usually isn’t about the stock market. It’s about everything behind the numbers.

Will your money actually last through retirement? For most people, that question has very little to do with the stock market.