Episode
Tolerate This: Your Risk & Your Investments
- Podcast
- Money & Taxes from Bb to XYZ
- Published
- Jul 9, 2026
- Duration seconds
- 1074
- Processing state
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Summary
In this episode of Money and Taxes from Bb to XYZ , Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, unpack what "investment risk" really means and why it goes beyond simply watching account values rise and fall. They explain the difference between risk tolerance, or how much risk you’re willing to take, and risk capacity, or how much risk your financial circumstances can support. The conversation explores how goals, timelines, liquidity needs, savings rates, and retirement plans all shape an appropriate investment strategy. Regina and Jason also discuss how risk translates into asset allocation and why asset location — placing the right investments in the right types of accounts — can add tax-savvy efficiency to a portfolio. Takeaways Risk tolerance measures how much investment risk you're emotionally willing to take. Risk capacity considers your real-life circumstances, including goals, timelines, liquidity needs, and available resources. Smart investing also means using asset location to place growth and income-producing investments in the most tax-efficient accounts. Have a tax question for the show? Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. Disclosures Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo