I think it's time we rethink our portfolios, especially from that 60/40 recommendation of the past. In this episode, I talk about why it’s time to add 20-30% in alternative investments—think real estate, lending funds, and even franchises—to balance your growth and give you more control.

Diversifying outside just stocks and bonds can help you sleep better at night and potentially boost your returns. I also share how to use self-directed IRAs and why a Roth IRA should be top of mind.

3 takeaways from this episode:

• Modern Portfolio Mix: The classic 60/40 (stocks/bonds) split is making changing for a more diversified mix—what Michelle calls the “50/30/20” model: 50% stocks, 30% bonds, and 20% alternatives.
• Strength of Alternatives: Michelle sees alternative investments (like lending funds, real estate, and franchises) not just as a buffer from market volatility, but also as potential replacements for part of the bond allocation.
• Roth IRA Strategy: I stress the importance of the Roth IRA and why you should keep it top of mind in your retirement planning. Consider a backdoor Roth IRA.

Backdoor Roth IRA Episode #54

Take the quiz - How Alternative Assets Can Fit in Your Portfolio

Ready for the next step?

• Subscribe to the Podcast: pod.link/1671924778
• Don't forget to leave a review!
• Follow Michelle for more financial tips:
  • YouTube: youtube.com/@theunconventionalinvestor
  • Instagram: instagram.com/michelle.e.moses
  • Website: www.mefinancial.net

Disclaimer:

The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.

#alternativeinvestments #60/40mix #assetallocation #financialplanner

If you’re interested in multifamily real estate investing with a manager who truly does things differently, this one’s worth your time! There are HUNDREDS of multifamily (apts) investors out there, but this one stands out.

Matt Incitti from Hamilton Point joins us to share what makes Hamilton Point special. Key takeaways:

🔹 Ethics and Alignment Matter
Hamilton Point stands out in the crowded multifamily space for their strong ethical track record and investment alignment with investors. The founders and team invest alongside clients—on the same terms—which means their interests are directly aligned with investor outcomes.

🔹 Disciplined, Nimble Strategy
Instead of chasing huge fund sizes, Hamilton Point maintains disciplined fund growth and prioritizes quality over quantity. Matt shared that their current focus is on buying newer multifamily properties from distressed builders—adapting to market cycles rather than forcing growth, which has helped them consistently deliver solid performance.

🔹 Clear Communication & Operational Excellence
Transparency and communication are big differentiators. Investors receive quarterly updates and timely tax documents—something that’s surprisingly rare in the private equity space. Hamilton Point’s focus on reporting, responsiveness, and investor experience helps build long-term trust.

If you’re exploring alternative investments, it’s crucial to work with partners who have a proven, ethical approach—and who treat your money like their own.

Contact Hamilton Point - www.hamiltonpointinv.com

Take the quiz - How Alternative Assets Can Fit in Your Portfolio - https://quiz.tryinteract.com/#/672ec387dca489a684704eee

Ready for the next step?

• Subscribe to the Podcast: pod.link/1671924778
• Don't forget to leave a review!
• Follow Michelle for more financial tips:
  • YouTube: youtube.com/@theunconventionalinvestor
  • Instagram: instagram.com/michelle.e.moses
  • Website: www.mefinancial.net

Disclaimer:
The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.

If you're curious about how farmland can diversify your portfolio, act as an inflation hedge, and support a healthier planet, you’ll find plenty in this episode. Michelle is joined by Chris Zuehlsdorff, CEO of Iroquois Valley Farmland REIT.

Iroquois Valley supports experienced organic farmers through long-term leases and mortgage financing, helping to preserve farmland and build a more resilient food system.

Key takeaways:

• Farmland as a Diversifier & Inflation Hedge: Investing in organic farmland provides real asset exposure that can balance a traditional 60:40 portfolio and help hedge against inflation.
• Accessible, Values-Driven Impact Investing: Iroquois Valley makes it possible for both accredited AND non-accredited investors (minimum $10k) to support organic farmers. (Its SEC-registered Reg A structure and B Corp certification.)
• Support the Next Generation of Farmers: The REIT’s portfolio skews younger, focusing on supporting millennial farmers to scale their sustainable businesses.

If you’re interested in learning more about how to align your investments with your values, or want exposure to organic farmland, check out the full episode or visit iroquoisvalley.com.

Take the quiz - How Alternative Assets Can Fit in Your Portfolio - https://quiz.tryinteract.com/#/672ec387dca489a684704eee

Ready for the next step?

• Subscribe to the Podcast: pod.link/1671924778
• Don't forget to leave a review!
• Follow Michelle for more financial tips:
• YouTube: youtube.com/@theunconventionalinvestor
• Instagram: instagram.com/michelle.e.moses
• Website: www.mefinancial.net

Disclaimer:

The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.