Broker Check


KKOB New Mexico's #1 listened drive time talk and news. Listen to the Bob Clark show on 96.3 KKOB with Pavlos every Tuesday at 7:43 am for insights as to where the market is at and what direction it will be moving.

The following podcasts are sponsored by the office of Pavlos Panagopoulos. To learn more about our investment services go to our website or give us a call at 505-828-4068.

Please note: Cetera Advisor Networks LLC is not registered to offer direct investments into commodities or futures. Instead, we provide access to this asset class via mutual funds, exchange-traded funds (ETFs) and the stocks of associated companies. Investments in commodities may be affected by the overall market movements, changes in interest rates and other factors such as weather, disease, embargoes and international economic and political developments. Commodities are volatile investments and should form only a small part of a diversified portfolio. An investment in commodities may not be suitable for all investors. 

Link To Latest Show: 

The Radio Show (2/20/24) - We Have Reached A Trough

Previous Radio Shows: 

Radio Show (2/13/24)- Unbreakable Youth 

Radio Show (2/6/24) - The Fab Four   

Radio Show (1/30/24) - Retail Therapy  

Radio Show - (1/23/2024)- Slow Growth, Does That Mean No Growth?

1/16/2024 Radio Show- 10 Ways to Save on Your Insurance 

Radio Show 1/9/2024 - Focus On What You Can Control 

Radio Show 1/2/2024 - The Fed from Foe to Friend 

Radio Show 12/26/2023 - Life Insurance Review

Radio Show 12/19/2023Insurance Endorsements Information

Radio Show 12/12/2023- Privatizing Profits and Socializing Losses

Radio Show 12/5/2023- The Insiders Club

Radio Show 11/28/2023 - Allegory of the Media

Radio Show 11/21/2023- Let’s Talk Turkey!

Client Dinner Recap: 

Pavlos discusses with Levin Wilson of Putnam what the impact of higher interest rates are on the economy and how to take advantage of this dislocation: Rising Interest Rates

Small Cap Investing- Pavlos discusses Small Capitalized Companies with Portfolio Manager Suzanne Franks with the First Eagle Small Cap Opportunities Fund.: Small Cap Funds

Pavlos discusses higher taxes and tax saving strategies with Tax and Wealth Transfer Consultant Bill Cass of Putnam Funds: Tax and Wealth Transfer

Radio Show 11/14/2023- The Longest Pole in the Tent

Radio Show 11/7/2023- “Hakuna Matata” No Worries

Radio Show 10/31/2023- Happy Halloween !

Radio Show 10/24/2023 - World War III?

Radio Show 10/17/2023 - ME ME ME!

Radio Show 10/10/2023- The Great Boom Ahead

Radio Show 10/3/2023 - Washington Will Just Kick the Can Down the Road 

Radio Show 09/26/2023 -The Feds say No Landing 


Radio Show 09/21/2023-The Fourth Turning is Here 

Radio Show 9/19/2023- Time To Fall Back  

Radio Show 9/12/2023- No Matter what The Fed Does They Cannot Fix Inflation 

Radio Show 09/05/2023- Love your Insurance Agent Not Your Insurence

Radio Show 8/29/2023- The Fourth Turning

Radio Show 8/24/2023- Johannesburg BRICS Meeting 

Radio Show 08/22/2023 - Johannesburg vs Jackson Hole

Radio Show 08/15/2023 - Phillips Curve Revisited

Radio Show 8/08/2023 - The Hegemony of the Dollar

Radio Show 8/01/2023  - Changing World

Radio Show 7/25/2023 - your insurance portfolio

Radio Show 7/18/2023 - A Tale Of Two Countries  

Radio Show 07/11/2023 - Classic Car Insurance

Radio Show 06/27/2023- Race to the Graveyard

Radio Show 6/20/2023- To Infinity and Beyond

Radio show 6/13/2023- It's Time in the Market not Timing 

Radio Show 6/6/2023- Insurance Carriers Are Leaving High Risk States - like New Mexico

Radio Show 5/30/2023 - As the Tides Recede Burn your Boats 

Radio Show 5/23/2023 - Debt is the Problem, not the Solution 

Radio Show 5/16/2023 - He has Washington on his side

Radio Show 5/15/2023 - Fiscal Cliff

Radio Show 05-02-2023- Mayday Mayday Repeat  

Radio Show 04-18-2023- Tax Freedom Day

Radio Show 04-11-2023- Tax Day In One Week; Seize the Day!

Radio Show 04/04/2023 - Last Quarter Was No Black Swan, It Was More Like A Black Duck

Radio Show 03/28/2023- All Is Not Quite on the Western Front

Radio Show 03-21-2023- The Emperor Has No Clothes

Radio Show 03-14-2023 -“All The Things That You Need To Consider Before Shopping, Your Insurance”

Radio Show 02/28/2023 - Political Leaders are Full of "Hubris"

Radio Show 02/21/2023- "All The President's Men"

Radio Show 02/14/2023 - "Love Stocks"

Radio Show 02/07/2023 - "FOMO"- Fear Of Missing Out

Radio Show 01/31/2023- It's Not What You Make, It's What You Keep

Radio Show 01/24/23- The Lords of Easy Money

Radio Show 01/17/2023- Institutionalizing Optimism

Radio Show 01/10/2023 - The Truth Index

The Best Financial Advisor Valencia County 2022 is a recognition created by the Valencia County News bulletin. The news bulletin requires residents of Valencia County to fill out a Best of form and vote for their favorite people and places in the city. (one vote per person) Recognition from this publication is no guarantee of future investment success. Working with a highly rated advisor does not ensure that a client or prospective client will experience a higher level of performance of results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluations. This award seeks positive votes, however, members of the public may provide any feedback to the publication. No compensation was provided directly or indirectly by the recipient for participation or in connection with obtaining or using the third-party rating or award

Radio Show 01/03/2023- Low Expectations Are Easier To Beat

Radio Show 12/27/2022 - Year End Insurance Check Up

Radio Show 12-20-2022- Merry Necessities of Life 

Radio Show 12-13-2022 - You Can't Make Something Out Of Nothing

Radio Show 12-06-2022"FIFA" - Fuel International dividends Food and Agriculture

Radio Show 11-29-2022- How Soccer Explains The World

Radio Show 11-22-2022 - Natural Disasters and Inflation with Selina

Radio Show 11-15-2022- Investing In The Choke Points

Radio Show 11-08-2022- The Fed Just Threw Them An Anchor

Radio Show 11-01-2022 - The Best October Ever

Radio Show 10-25-2022 - New Regime

Radio Show 10-18-2022 - Silly Season

Radio Show 10-13-2022 - Financial Advice & Retirement with Don Connelly

Radio Show 10-12-2022 - Small Cap Investing with Suzanne Franks

Radio Show 10-11-2022- Is the Fed Fighting the Ghost of Inflation?

Radio Show 10-04-2022- Unconventional Consensus

Radio Show 09-27-22- This Is Not A Hyperbole

Radio Show 09/20/2022- The Road To Serfdom Is Paved With Good Intentions

Radio Show 09-13-2022 - God Save The Dollar

Radio Show 09-06-2022 -  Demand Destruction

Radio Show 08-30-2022- Demography Is Destiny 

Radio Show 08-23-2022 - Saving Their Legacy

Radio Show 08-16-2022 - Insurance Equals Asset Protection with Selina

Radio Show 08/09/2022 - Time To Learn Newspeak

Radio Show 08/02/2022 - Uncertain Future

Radio Show 7-28-2022-If it reports like recession and acts like a recession it’s a recession

Radio Show 07-26-2022- Fed's Financial Engineering  

Radio Show 07-18-2022 - Insurance Claims with Selina

Radio Show 07-12-2022 - The Bureau of Labour Sadistics; Inflation's Unexpected Rise

Radio Show 07/05/2022- American Resiliency 

Radio Show 06/28/2022- The Law of Supply and Demand

Radio Show 06/21/2022 - Bull Markets Don't Die of Old Age

Radio Show 06/14/2022 - The Recent Market Down Turn 

Radio Show 06-07-2022- Advantages Of Using a Certified Financial Planner

Radio Show 05/31/2022 - Dragflation The New Phase Of This Commodity Super Cycle

Radio Show 05/24/2022 - "More Government Is Not The Solution."

Radio Show 05/17/2022 - "Money Printing Always Ends Badly"

Radio Show 05/10/2022- “Those Who Don’t Learn From History Are Doomed To Repeat It”

Radio Show 05/03/2022 - Federal Reserve's Interest Rate Increase

Radio Show 04/26/2022 - Rising Interest Rates

Radio Show 04/19/2022 - Hedonics and The Federal Reserve

Radio Show 04/13/2022 - Twilight In The Desert, Gas Prices Are Headed Up

Radio Show 04/05/2022 - Y-2-K Revisited

Radio Show 03/29/2022 - Fool's Gold

Radio Show 03/23/2022  - How to Capitalize on the Chaos

Radio Show 03/22/2022 - It's a Bull Market for Chaos

Radio Show 03/15/2022 - How to Catch a Falling Knife

Radio Show 03/08/2022- Rally Around The Flag

Radio Show 03/01/2022- Afghan Effect

Radio Show 02/22/2022- The Silver Lining of Investing

Radio Show 02/15/2022- How Energy Explains The World

Radio Show 02/08/2022- The Insidious Tax

Radio Show 02/01/2022- Money Printing Is The Problem

Radio Show 01/25/2022- Preparing For The New Abnormal Market

Radio Show 01/18/2022- It's All About Your Health and Wealth

Radio Show 01/11/2022- From Just In Time To Just In Case

Radio Show 01/04/2022- New Year's Resolutions

Selina's Radio Segment 01/03/2022- Insurance Resolutions For 2022

Radio Show 12/28/2021- In A Word Inflation for 2022

Radio Show 12/21/2021-The Santa Claus Rally

Radio Show 12/14/2021 - Santa Claus Coming To Wall Street This Christmas

Radio Show 12/07/2021- A Crisis Of Their Own Making

Radio Show 11/30/2021- The Category Killers

Radio Show 11/23/2021- Markets are Insufficient

Radio Show 11/16/2021- Second Stage of Inflation: Anger

Radio Show 11/09/2021- It's Time To Get Jimmy Carter's Sweater Out Of The Closet

Radio Show 11/02/2021- Election Day

Halloween Radio Show 10/28/21 - Don't Let the Markets Scare You 

Radio Show 10/26/2021- Halloween Will Be Full Of Tricks But Not Many Treats

Radio Show 10/19/2021- Inflation Is Not Temporary

Radio Show 10/12/2021- What Can Soccer Teach Us About Investing?

Radio Show 10/5/2021- Small Caps

Radio Show 9/29/2021- Bob gets straight A's

Radio Show 9/21/2021- Tax the Rich

Radio Show 9/16/2021 - Looking Over My Shoulder 

Radio Show 9/14/2021- Taking the Long View

Radio Show 09/07/2021- Smoke and Mirrors, Inflation is the Real Robber

Radio Show 08/31/2021- Gold the Only One True Investment Lie Detector

Radio Show 08/24/2021- The New Greece

Radio Show 8/18/2021- 50th Anniversary of the Closing of the Gold Window

Radio Show 8/3/2021- Advantages of Having Flood Insurance with Selina

Radio Show 7/27/2021- Painted into a Corner

Radio Show 07/21/2021- Valuations Matter

Radio Show 07/13/2021-Billionaire Blunder

Radio Show 7/6/2021- 10 Reasons Why We are Bullish

Radio Show 6/29/2021-Building on a Weak Foundation

Radio Show 6/22/2021-Making  Virtue Out Of Necessity


Radio Show 6/15/2021-Out Run Inflation  

Radio Show 06/08/2021 - The Coming Storm

Radio Show 06/01/2021- Monetary Mandarins

Radio Show 5/25/2021- Congratulations to Our Graduates

Radio Show 05/18/2021- A Drowning Man Grabs Hold Of A Crocodile

Radio Show 05/11/2021- Tax Freedom Day

Radio Show 05/04/2021- Biden's Trojan Horse

Radio Show 4/27/2021- Investment Futures Are Uncertain

Radio Show 4/20/2021- Robbing Peter to pay Paul, Bernie Madoff's Legacy

Radio Show 04/14/2021- Titanic's Maiden Voyage

Radio Show 04/07/2021- Old Wine, New Bottle

Radio Show 3/30/2021- Managing Your Insurance Needs During A Pandemic with Selina

Radio Show 03/23/2021- March Madness: David vs. Goliath

Radio Show 3/16/2021 - The American Hand Out Plan

Radio Show 03/09/2021-The Bond Vigilantes

Radio Show 03/02/2021- Minimum Wage

Radio Show 2/23/2021- Inflation is not Transitory

Radio Show 02/18/2021- The Sun Doesn't Always Shine

Radio Show 02/17/2021- Hypocrisy

Radio Show 2/09/2021- How We Construct Your Portfolio

Radio Show 2/03/2021- The Great Deception

Radio Show 1/26/2021 - What a Post Covid World Will Look Like

Radio Show 01/19/2021- The Commodity Super Cycle

Radio Show 1/12/2021- Uncharted Territory

Radio Show 01/05/2021- Coming Generational Storm

Radio Show 12/22/2020- Selina's safety report

Radio Show 12/15/2020- The Great Gatsby

Radio Show 12/8/2020 - The Only Thing You Have To Fear Is Fear Itself 

Radio Show 12/1/2020 -College Savings

Radio Show 11/17/2020-Vaccine Market Rally

Radio Show 11/10/2020- Gridlock is Good

Radio Show 11/3/2020- Balance Is The Key To Investing

Radio Show 10-27-2020-How The Results of The Presidential Election Could Affect The Stock Market 

Radio Show 10-20-2020-Investing in narrow moats during COVID

Radio Show 10/13/2020-Surveillance Capitalism

Radio Show10/6/2020- Three Factors That Lead To A U-Shaped Recovery

Radio Show 9/29/2020- The Allegory of the Stock Market

Radio Show 9/22/2020- Gold Is A Shock Absorber For This Recent Market Volatility

Radio Show 09/15/2020- The Fiscal Cliff

Radio Show 09/08/2020- Managing Risk in a High Risk Market

Radio Show 09/01/2020- Ten Reasons Why You Should Stand Firm

Radio Show 08/25/2020 - Four Seasons of Covid

Radio Show 08/18/2020- Sustainable Equity

Radio Show 08/11/2020- Riches to Rags

Radio Show 08/04/2020- Life, Liberty and the Pursuit of Happiness

Radio Show 7/28/2020- The Gold Standard

Radio Show 7/21/2020- Covid-19 Summer

Radio Show 7/14/2020-The Right Side of History

Radio Show 7/7/2020- Political and Medical Science Clash

Radio Show 6/30/2020- Free Market Economy

Radio Show 6/23/2020 -Opportunistic Changes and Pitful Falls to Avoid

Radio Show 6/16/2020 - Energy Prices follow Precious Metals like Night Follows Day

Radio Show 6/9/2020- Putting Humpty Dumpty Back Together

Radio Show 6/2/2020 - Two Camps

Radio Show 5/26/202-Themes of the Old Rip Van Winkle

Radio Show 5/19/2020- Seminal Moment

Radio Show 5/12/2020 -Fear of Missing Out

Radio Show 5-5-2020-Greed or Fear

Radio Show 4-28-2020- Looking back at Past Pandemics

Radio Show 4-21-2020 -Strategic and Tactical Opportunities 

Roth Conversion Disclosure: Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.

Radio Show 4-14-2020-Stay Diversified 

Radio Show 4/7/2020 -Frontline Therapy

Disclosure: The views depicted in this show are for information purposes only and should not be considered specific advice or recommendations for any individual. All investing involves risk, including the possible loss or principal. 

Radio Show 3/31/2020 - The Aftermath

Radio Show 3/24/2020-Historical Rise in the Stock Market 

Disclosure: Cetera does not offer direct investments in gold (commodities). Commodities are volatile investments and may not be suitable for all investors.

Go to to listen to a live stream or Tune-In to 770 AM.

Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to.

The views depicted in this show are for information purposes only and should not be considered specific advice or recommendations for any individual. All investing involves risk, including the possible loss of principal. Indices are unmanaged and cannot be invested into directly. Past performance is not indicative of future results.

There is a surrender charge imposed generally during the first 5 to 7 years that an investor owns a Variable Annuity contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account value will fluctuate with changes to market conditions.

529 Plans-Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing.  This information is found in the issuer's official statement and should be read carefully before investing.

Investors should also consider whether the investor's or beneficiary's home state offers any state tax or other benefits available only from that state's 529 Plan.  Any state-based benefit should be one of many appropriately weighted factors in making an investment decision.  The investor should consult their financial or tax advisor before investing in any state's 529 Plan.

Additional risks are associated with international investing, such as currency fluctuations, political and economic stability, and differences in accounting standards.

The return and principal value of bonds fluctuate with changes in market conditions. If bonds are not held to maturity, they may be worth more or less than their original value.

Income may be subject to local, state and /or the alternative minimum tax.

A diversified portfolio does not assure a profit or protect against loss in a declining market.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor.  Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

Investors should consider the investment objectives, risks and charges and expenses of the fund carefully before investing. Investing in mutual funds is subject to risk and potential loss of principal. There is no assurance or certainty that any investment or strategy will be successful in meeting its objectives. The prospectus contains this and other information about the funds. Contact Pavlos Panagopoulos at 2500 Louisiana Blvd NE  Suite 102, Albuquerque, New Mexico 87110 United States or call us at 505-828-4068 or contact the fund directly to obtain a prospectus which should be read carefully before investing or sending money.