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The Financial Call
The Financial Call is Capita's Podcast for teaching financial wellness.
Aug 8, 2022
Income Planning for Investors Ages 40 to 60 (Ep.6)
Now that we have discussed what you need to know as a young investor, we now need to discuss what you need to know as an experienced or wise investor approaching retirement. If you want to know how to retire as early as possible, you’ll want to listen to this episode. In this episode, Zacc Call and Laura Hadley provide professional advice about investing and curating your retirement plan in the later years of life and how you can minimize the time it takes you to retire. Zacc and Laura discuss: * Preventing financial crisis in the later years of life * How to map out your numbers - your debt, future cash flow, and assets * How you can minimize how long it takes you to retire * Why you should use multiple tax structures in retirement * And more Resources: * The Financial Call: Income Planning for Investors Ages 25 to 40 Connect With Capita Financial Network: * email@example.com * firstname.lastname@example.org * (801) 566-5058 * Capita Financial Network * LinkedIn: Zaccary Call * LinkedIn: Laura Hadley * LinkedIn: Capita Financial Network * Facebook: Capita Financial Network
Jul 25, 2022
Income Planning for Investors Ages 25 to 40 (Ep.5)
Your age has a large impact on how and when you will plan your income, invest your money, and spend your time. In this episode, Zacc Call and Laura Hadley discuss how individuals aged 25-40 can enhance their income planning strategies and capitalize on the amount of time they have to invest. Zacc and Laura discuss: * How to increase your earning power * Four ‘financial fires’ that can impact your income * Where you can put your next dollar to organize your income * And more Resources: The Financial Call: Retirement Income Risks With Tyson Long, CFP®, CPWA® (Ep.4) Connect With Capita Financial Network: * email@example.com * firstname.lastname@example.org * (801) 566-5058 * Capita Financial Network * LinkedIn: Zaccary Call * LinkedIn: Laura Hadley * LinkedIn: Capita Financial Network * Facebook: Capita Financial Network
Jul 11, 2022
Retirement Income Risks With Tyson Long, CFP®, CPWA® (Ep.4)
Inflation can heavily impact your retirement plan, so how can you make your retirement funds grow alongside inflation? In this episode, Zacc, Laura, and Tyson Long discuss the impact of inflation on people reaching or in retirement. They also highlight how their team takes downturned markets into consideration when formulating personalized financial plans. Tyson discusses: * The concept of risk inflation and how you can prepare for it in retirement * The ‘retirement danger zone’ when investing your retirement funds * How Capita Financial Network integrates the possibility of low markets into the retirement plans they formulate * Identifies what a sequence of return risk is and the solutions for it * And more Resources: * The Financial Call: Making Pension Decisions With Bart Wagstaff, CFP® (Ep.3) Connect With Capita Financial Network: * email@example.com * firstname.lastname@example.org * (801) 566-5058 * Capita Financial Network * LinkedIn: Zaccary Call * LinkedIn: Laura Hadley * LinkedIn: Capita Financial Network * Facebook: Capita Financial Network Connect With Tyson Long: * LinkedIn: Tyson Long, CFP®, CPWA® About Our Guest: Tyson Long is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around tackling inflation when you are nearing or entering your retirement.
1 hr 3 min
Jun 29, 2022
Making Pension Decisions With Bart Wagstaff, CFP® (Ep. 3)
Pensions aren’t the same for everyone, therefore it is important to organize yours in a way that meets your financial needs and habits. In this episode, Zacc Call, Laura Hadley, and Bart Wagstaff, CFP®, discuss the ins and outs of pensions and go into significant detail about whether you should take the lump sum or monthly pension benefit. Bart discusses: * A definition of a required rate of return and how it can be used to your benefit * The process of deciding between a lump sum or monthly pension benefit * The importance of being honest with yourself about your financial habits * The role of a wealth advisor in helping you decide what pension benefit is best suited for your needs * And more Connect With Capita Financial Network: * email@example.com * firstname.lastname@example.org * (801) 566-5058 * Capita Financial Network * LinkedIn: Zaccary Call * LinkedIn: Laura Hadley * LinkedIn: Capita Financial Network * Facebook: Capita Financial Network Connect With Bart Wagstaff, CFP®: * LinkedIn: Bart Wagstaff About Our Guest: Bart Wagstaff, CFP®, is a partner and financial advisor at Capita Financial Network. He attended the David Eccles School of Business at the University of Utah which developed his skills in becoming a financial advisor here at Capita Financial Network. He is a Certified Financial Planner and has obtained his Series 7.
Jun 14, 2022
Social Security Basics (Ep.2)
As you accumulate wealth for retirement, inflation brings down the value of your savings and makes it harder for you to retire comfortably. In this episode, Tyler Williamson, a Social Securities expert at Capita, discusses the role of Social Security before and during your retirement. He also answers some commonly asked questions about Social Security and describes how to capitalize on the benefits. Zacc, Laura, and Tyler discuss: * The benefits of Social Security and how it affects your retirement planning process * When to you should apply for Social Security * Spousal planning techniques and how they continue to change * How Social Security combats the effects of inflation on your retirement plan * And more Connect With Capita Financial Network: * email@example.com * firstname.lastname@example.org * (801) 566-5058 * Capita Financial Network * LinkedIn: Zaccary Call * LinkedIn: Laura Hadley * LinkedIn: Shannon Lundberg * LinkedIn: Capita Financial Network * Facebook: Capita Financial Network Connect with Tyler Williamson: * LinkedIn: Tyler Williamson About Our Guest: Tyler Williamson is a partner with Capita Financial Network. He is one of the most tenured advisors at Capita. Tyler is a Social Securities expert and often does presentations about them. Tyler often helps people with a lot of money in high net worth planning. He helps people that have barely saved anything, so he understands a wide array of financial planning issues.
1 hr 11 min
Jun 14, 2022
How to Organize Your Retirement Income (Ep.1)
The transition into retirement can be spooky. It can leave you nervous thinking about how much money you will need to have in retirement and when it is okay to retire. In this episode, Zacc Call, CFP®, and Laura Hadley explain how to manage your portfolio withdrawals. They also share the importance of taking the right percentage of your investments out each year and how it can affect your retirement plan. Zacc and Laura discuss: * What discussions you can look forward to in the coming episodes * Discovering what amount of money you will be satisfied with in your retirement * Strategies to combat inflation leading up to and during your retirement * Finding the right withdrawal rate from your portfolio for a satisfying retirement * And more Connect With Capita Financial Network: * email@example.com * firstname.lastname@example.org * (801) 566-5058 * Capita Financial Network * LinkedIn: Zaccary Call * LinkedIn: Laura Hadley * LinkedIn: Shannon Lundberg * LinkedIn: Capita Financial Network * Facebook: Capita Financial Network
Jun 13, 2022
Getting To Know Your Co-host, Laura Hadley
Now it's time to learn what you don’t know about Laura Hadley, a wealth advisor at Capita Financial Network and your co-host of the show. In this episode of The Financial Call, Shannon Lundberg interviews Laura Hadley, to get to know who you will be on this journey down the guided path. Laura shares who and what has influenced her along her journey of being a wealth advisor. Laura discusses: * Her unique journey of working at Capita * Two of her favorite trips she has ever taken * Her biggest pet peeve * How Capita differs from its competitors * And more Connect With Capita Financial Network: * email@example.com * firstname.lastname@example.org * (801) 566-5058 * Capita Financial Network * LinkedIn: Zaccary Call * LinkedIn: Laura Hadley * LinkedIn: Shannon Lundberg * LinkedIn: Capita Financial Network * Facebook: Capita Financial Network
Jun 13, 2022
Get To Know Your Host, Zacc Call, CFP®
If you haven’t already met Zacc Call, the president at Capita Financial Network now is your opportunity to, in a lighthearted way. In this episode of The Financial Call, Shannon Lundberg interviews Zacc Call, CFP®, to get to know him on a more personal level. Zacc shares past stories you may not have heard before, and he also highlights some of his goals, and a definition of success in his field. Zacc discusses: * How he started working at Capita * One thing he would like to be remembered for * How his 3 biggest interests play a part in his career * His previous career ventures and how they paved the path to work in the financial industry * And more Connect With Capita Financial Network: * email@example.com * firstname.lastname@example.org * (801) 566-5058 * Capita Financial Network * LinkedIn: Zaccary Call * LinkedIn: Laura Hadley * LinkedIn: Shannon Lundberg * LinkedIn: Capita Financial Network * Facebook: Capita Financial Network
Jun 13, 2022
Helping You Understand the Guided Path
Financial advice and discussions can sometimes sound like an entirely different language. In this episode of The Financial Call, Zacc Call and Laura Hadley will help you understand the guided path and its purpose no matter where you are with your financial knowledge. Zacc and Laura discuss: * How their show will help you on your path to financial literacy and success * Their main mission to guide you through the financial planning advice * How the guided path is laid out * And more Connect With Capita Financial Network: * email@example.com * firstname.lastname@example.org * (801) 566-5058 * Capita Financial Network * LinkedIn: Zaccary Call * LinkedIn: Laura Hadley * LinkedIn: Capita Financial Network * Facebook: Capita Financial Network
Nov 19, 2021
Crypto Basics & Pros/Cons of Crypto ETFs
Zacc & Luke give newbies a basic understanding of crypto. They explain the good and the bad about the crypto ETFs that are currently available.
Apr 20, 2021
2021 Q1 Quarterly Market Recap & Insights
The quarterly market recap and insights was totally different than previous quarters. Kurt Brown of Townsquare Capital and Zacc discussed analyzing tax returns, crypto-currency, tech stocks, bubbles, valuations, portfolio turnover, tax-loss harvesting, and more.
1 hr 1 min
Apr 2, 2021
Tax Surprises When Selling A Home
Don't get stuck with an unexpected surprise around tax time. You may be left with a large tax bill after selling your home. There are three main types: 1. Your primary residence. 2. A second home. 3. A rental property. Each of these has different tax rules and rates. Zacc explains all three scenarios using real examples from his own life.
Jan 29, 2021
Gamestop Short Squeeze Explained to a 10 Year Old
Everyone wants to figure out what is going on with Gamestop! Most people have no idea how you sell a stock short much less a hedge fund and a short squeeze. If you want the basic understanding, this is the episode for you. In this episode I explain the basic mechanics of short selling using a twitter thread example from Shaan Puri and basic language so my 10 year-old son can understand it.
Jan 4, 2021
2021 Social Security Changes & Strategies
Zacc Call & Tyler Williamson discuss Social Security changes to expect in 2021. This is both a podcast episode and webinar found on youtube & thefinancialcall.com. Tyler updates us on new figures for 2021 Social Security and filing strategies. Zacc cover the top two mistakes being made in calculating your break-even age.
Dec 17, 2020
Placing Your First Stock Trade
Investing is more accessible now than ever before. Now that you can trade at a ZERO-dollar commission, the biggest hurdle is understanding the lingo on the website to place an order. In this episode, Zacc walks you through the basics of stock & fund trading. Zacc places a trade in his daughter’s custodial account. The video is available on YouTube and audio is available on all major podcast providers. Do not be intimidated be the terminology. This episode will help you through it.
Dec 3, 2020
DAFs – The Packing Cubes of Charitable Giving
Episode 50! I gave my co-workers packing cubes to celebrate my birthday. I am giving you the packing cubes of charitable giving today to celebrate episode 50. Donor Advised Funds are one of the most underutilized planning tools available to charitable givers. In this episode, Zacc breaks down Donor Advised Funds and why more people should be using them. Zacc explains the additional control DAFs provide over tax timing, giving records, and difficult-to-donate assets. Most people do charitable giving wrong. Don’t be most people.
Nov 17, 2020
The 4 Financial Fires with Educator Emily Tate
Emily Tate is a teacher who took on the project of improving financial wellness for her fellow teachers. We have an open discussion about the challenges teachers face such as low income and the lack of good financial planning help. We cover the first baby steps beginners should take as they begin financial planning. There are 4 distinct financial fires I believe everyone should extinguish before moving on to other planning topics. Listen to this episode to understand what they are to know if a financial fire is raging in your corner.
Nov 3, 2020
Positioning Portfolios for the 2020 Election with Kurt Brown
Let's discuss the number one client question. "How will the elections affect my investments and my retirement?" Join Zacc Call and Kurt Brown as they dive into the details. During this episode Kurt & Zacc explain why we haven't seen much inflation in spite of unprecedented government spending. Listen hear how Biden's proposed tax changes might affect the economy. Kurt and Zacc help simplify complex economic topics to help investors make sense of strange data.
1 hr 2 min
Oct 13, 2020
Solving Life Problems with Life Insurance - Talk With The Expert Eric Stuart
Join me as I chat with Eric Stuart who is the VP of Life Distribution at Allegis Advisor Group. We are talking all things life insurance and digging into the details of the different types. Life insurance helps people when help is needed the most and many of us need life insurance. Listen to learn which type of policy best fits your needs.
Sep 29, 2020
The Cost of Dying - Talk With The Expert Matt Russon
Join me as I talk with Matt Russon from Russon Brothers Mortuary to discuss the somewhat uncomfortable topic of death and funeral planning. We discuss some of the big surprises that family members run into while planning the funeral of a loved one. Tune in to learn about some planning options for services that can save you and your family a lot of time and money.
Sep 15, 2020
Jay & Barbara, Paralyzed Between Taxes Today and Taxes Tomorrow - Real Retirees
You can hide from taxes now or reduce taxes later. If you have retirement assets, you can't do both. Jay & Barbara are faced with this exact situation. In this Real Retiree episode, I review their options for preparing for a future tax hit. I explain how it is somewhat paralyzing as neither option feels great. I share their decision and my opinion...which were not the same!
Sep 8, 2020
BONUS: College Savings Simplified - Paul & Jean's Special Request
Listen to this bonus episode all about simplifying college savings. There are some major decisions you must make as a grandparent or parent helping with college savings accounts. I will discuss three different account types being: 529 accounts, custodial accounts, and a normal brokerage account. Tune in to learn more about these three account types and see which one is best for you.
Sep 1, 2020
How Will My Social Security Income Be Taxed? - Retiree Question
"Tax on a tax" sounds fair right? How much taxes will you owe on your Social Security income in retirement? How much taxes do you pay now to qualify for Social Security? How is your benefit calculated? All these questions are answered in this Retiree Question episode. Our clients are constantly asking, so here is the answer.
Aug 18, 2020
Estate Planning for the Simpsons with Greg Lyle - Talk With The Expert
Join us today as Zacc Call talks with expert Greg Lyle, who is a University of Utah S.J. Quinney College of Law graduate and member of the Utah State Estate Planning Section. Greg discusses his easy method for getting through the basics of estate planning. Most people need some estate planning work, so tune in to learn more about the four main documents he suggests having which are a trust, will, power of attorney, and advanced directive.
Aug 4, 2020
ABCs of Mutual Funds
Zacc Call & Capita Advisor Matt Johns discuss the difference between mutual funds and exchange-traded funds. Many people avoid mutual funds because they think they are risky, but that isn't always true. Learn why you need to know the difference between mutual fund ETF active and passive in order to protect yourself from getting ripped off later.
Jul 21, 2020
Saving Relationships Through Estate Planning with Lee McCullough
Today we are talking with expert Lee McCullough who is an attorney and partner with McCullough Sparks as well as professor at the J. Reuben Clark Law school located at Brigham Young University. We are chatting about the importance of estate planning to help avoid relationships from crumbling. Join us as we talk about 5 key instruments of estate planning to help maintain the harmony within your family after passing and learn how to avoid major estate planning mistakes.
Jul 7, 2020
How Do I Actually Get Money Out of My Portfolio? - Retiree Questions
In this "Retiree Questions" episode, Zacc goes over the logistics of making withdrawals from your portfolio account with the help of fellow Capita advisor Bart Wagstaff and support staff member Calli Case. These three discuss in depth what goes on behind the scenes of withdrawals, taxation, and related investment considerations. The group also touches on Required Minimum Distributions and Qualified Charitable Distributions as they relate to making withdrawals. Listen in to understand all your different withdrawal options
Jun 23, 2020
Take Social Security Or Withdraw From 401(k)? - Retiree Questions
In "Retiree Questions" episodes, Zacc answers the common retiree questions we receive while doing financial planning at Capita Financial Network. When retirees ask whether they should withdraw from their 401(k) or take Social Security, they will get a mountain of uninformed and sometimes terrible financial advice. Most advisors' tools are not equipped to provide an accurate answer to this question. If advisors understand the question, most give ballpark estimates. Frankly, many individuals don't know they should even ask the question. Listen to fully understand how there is so much more to Social Security decisions than a simple break even of total benefits received.
Jun 9, 2020
Fixing A Social Security Mistake - Real Retirees
In "Real Retirees" episodes, Zacc talks through real situations and choices retirees must make. Jamison filed for Social Security benefits on his 67th birthday, however, this is likely a mistake. Listen to understand the error and to learn how to fix it.
May 26, 2020
Advisor Vs. Index?...Wrong Question
Pinning up a financial planner against an index fund is a false dilemma. In fact, your financial planner may be investing your money in index funds. They are not in competition with each other. This misconception plagues both clients and advisors. This episode explains why this is such a dangerous comparison to make. You will learn there many financial planning disciplines. If an index fund is believed to be the best investment, you would hope any good financial planner would recommend you invest in the index. There are so many opportunities for improving your finances beyond choosing Dodge & Cox or the S&P 500. Listen to sort out this false dichotomy.
May 12, 2020
Diversification - A Good Thing Gone Bad
Capita advisors Zacc Call and Matt Johns discuss diversification and the ways it can affect your portfolio. In the early stages of portfolio construction, the diversification benefit is massive. However, it diminishes quicker than you realize. Why is that and how can we avoid it? Listen or watch this new episode to see what’s considered the ‘no man’s land’ when it comes to investing and your portfolio.
Apr 28, 2020
Not-So-Rookie Investment Mistakes
Zacc Call and Capita Advisor Matt Johns sit down and discuss the rookie mistakes, or not so rookie mistakes, made when investing. In this episode, they go over examples of mistakes you can and cannot avoid and why you will never have a perfect portfolio.
Apr 7, 2020
Thriving in Turbulent Times with Terri Flint
Dr. Terri Flint, an experienced mental health clinician, and wealth advisor, Zacc Call, spend the lunch hour on this webinar with you to discuss thriving in turbulent times. In a time of social distancing and economic disruption, Terri will discuss the science of resilience and the effects of social isolation.
Mar 31, 2020
A Bear of a Transition
Retirement can be a tough transition for anyone, even the Jazz Bear. Jon Absey takes off the mask and opens up about his career as one of the most prestigious mascots in the business. He shares what it’s really like behind the scenes and lessons he has learned through his retirement that may change the way you work now. Listen to this episode to hear it all.
Mar 12, 2020
BONUS: Falling Market Update, Should You Worry?
Zacc Call & Kurt Brown (Townsquare Capital CEO, President, Chief Investment Officer) help make sense of recent market movements. They discuss the signs that typically show during bottoming markets. Listen to keep up as the news is coming fast!
Mar 3, 2020
The Dummies Are Back and Wanted a Roth
The dummies, Ansley and Laura, are back. They wanted to learn how to open a Roth IRA account on their own. So, Zacc showed them how. This week's episode consists of step-by-step instructions on how to open up, contribute to, and invest inside a Roth IRA account. There is also a screen-recording of the entire process, so viewers can follow along at home. Zacc answers the dummies' basic questions along the way. Listen to and watch this episode to find out how you can do the same.
Feb 18, 2020
The Fake Paycheck
Last week’s episode pushed you to think about how much you want to be saving towards retirement. This week’s episode discusses what type of investments you need and uncovers your tool to maintain your retirement savings goal. The Fake Paycheck is the lazy man’s way to budget. Listen to this episode to learn how you can set up your accounts so that the only thing you need to worry about is if your spending account is getting low or not.
Feb 4, 2020
My Cancer, Your Retirement
Zacc opens up about his personal story dealing with cancer and how that has affected the way he saves for retirement. He discusses the different saving styles of Americans and why saving too much may be too risky. This episode focuses on helping your dollar achieve the highest purpose possible. Learn how to save like a worker and think like a retiree, here.
Jan 14, 2020
Why Resolutions Don’t Work
Terri Flint, the doctor of well-being, teaches us why our new year’s resolutions aren’t working for us. After the diagnosis, Terri lays out a treatment plan to help us better prepare for our goals, assess our readiness, and make changes that actually work for our individual needs. Outline: Who is Terri Flint? What does she do? Terri discusses what kind of struggles she has faced in retirement. Focus on the important few and forget the unimportant many. Terri discusses why resolutions don't work. 1 - Many times we don’t fail to keep our resolutions, but instead we fail to prepare to keep our resolutions. 2 - Are you really ready to put the work in? Not high enough on the readiness scale. 3 - Giving up because you think you’re a failure. Be a scientist and focus on the environment and what you learned. Have a growth mindset. Focus on progress, not on outcomes...measure better! Terri and Zacc talk about their favorite books to help them achieve change. Books: T…
Jan 3, 2020
Financial Fears Getting in the Way of Your Happiness?
Sometimes the numbers don’t always tell you what’s best. Zacc tells the story of Brad & Katie and how their financial goals may be getting in the way of their overall happiness. Zacc lays out their options to both achieve their goals and be happy, but it may be different than what the numbers suggest. Listen to this episode to find out if your financial fears are keeping you from your happiness.
Dec 17, 2019
They Were Afraid to Retire
Lester and Robyn have good Social Security benefits, Pension benefits and 2 million dollars saved for retirement, but they are still scared to retire! This episode uncovers the reason why this couple is still nervous to make the jump into retirement, despite their good financial position, and explores the options to plan for concerns. Learn how continuing to work may actually be hurting you rather than helping you! Case Study of Lester and Robyn. Who are they? Lester (63.9) works for $80k a year. Robyn (68.3) is retired and has some health concerns. Their biggest concern of retiring is healthcare. Robyn’s SS: $1800/month at full retirement age, $2200/month right now, or she could wait until 70 for $2600/month Lester’s SS: $2555/month at 66, right now it’s $2200/month Robyn’s Spousal Benefit: $1300/month Robyn’s Pension: $3000/month Robyn works with Matt Gibson for Medicare. Lester works with Chris Miller for private health insurance (not qualified for Medicare).…
Dec 3, 2019
Get Divorced for $640,000
There are lots of reasons why people get divorced, but have you ever heard of someone getting divorced to get a better social security benefit? Capita Advisor, Jayson McGinnis, shares the story of a client who is considering just that. Sounds crazy? If someone offered you $640,000 to get divorced and remarried, you might do the same. Listen to find out if Sue & Denny split. Surprisingly, a quick divorce could earn you some extra cash.
Nov 19, 2019
Sleeping with the mailman? Messed-up Social Security Penalties: WEP/GPO
Are you a government worker or married to one? Three Capita Social Security planners unravel the complicated knot of government social security penalties, such as the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). These penalties mostly apply to those who work in uncovered jobs (not paying Social Security taxes) for a time. Learn about when these penalties apply, where they came from and ways to avoid or work around them. These penalties can take years to understand, but you can get an overall idea in less than 40 minutes, here.
Nov 5, 2019
A Tough Social Security Decision
Jeff & Brenda are faced with a life-changing Social Security decision. They could spend $133K of their $200K retirement savings within the first 4 years of retirement in order to get $15K more per year for the rest of their life from Social Security. What would you do? You’ve spent your whole life paying into your Social Security Benefit. This episode explains the strategies that can help you get the absolute most back, in your retirement. Zacc explains the basics of social security, his thoughts on how it will continue in the future and how to plan spousal benefits and delayed filing for your benefit. Listen to an example of a real couple, who may be in the same position as you, and how they could maximize their income by using only a few simple strategies. Find out how you could do the same.
Oct 22, 2019
Economics Defined by a 12 Year Old
In this episode, Zacc sits down with a group of young men ranging from 11-13 years old. They’re asked a series of questions about their finances and what they do to earn money. What do kids think is the typical average income? How much should kids be earning for jobs at this age? Should they get an allowance? How should they spend their earnings? Listen to hear the different perspectives and advice Zacc gives to these young men.
Oct 15, 2019
Not So Preferred, Preferred Stocks
Advertisements for preferred stocks may catch your attention with phrases like 5.5% return, conservative, safe and not to mention the word “preferred” in their title. However, these stocks tend to be quite the opposite. Turns out, their only real benefit is being second to last in the line of payout in the unlikely case of bankruptcy. This episode discusses how preferred stocks really work, and suggests other investment options that are actually preferred by the professionals.
Oct 8, 2019
Bundle and Save, Even with Medicare
Today’s episode is with two Medicare experts who help enroll over 6,000 people in Medicare annually. They outline the differences between an Advantage Plan and Supplemental Plans within Medicare. Learn how you can cater and take advantage of your Medicare Plan
Oct 1, 2019
Unicorn IPOs & Getting Rich While Losing Billions
"Unicorn" might be my absolute favorite financial term yet. Listen to this episode to make sense of the recent WeWork madness and other unicorn businesses. We cover the difficulty of determining the worth of "network effect" businesses. In other words, the company is losing money, but it is still worth something. We all may have recently dodged a bullet with the re-pricing of the WeWork Initial Public Offering. Listen to figure out how.
Sep 17, 2019
Lacey, Robert, and Henry Skip Taxes By Transferring Stock From Their 401(k) Through NUA
You own some of your employer company stock in your 401(k) or ESOP plan. You are about ready to roll the funds out. Put on the brakes! There may be a way of avoiding massive income taxes through Net Unrealized Appreciation (NUA). Listen to hear the stories of Lacey, Robert, and Henry. NUA didn’t make sense for all three, but it saved 2 of them big time. This episode was recorded in a fishbowl at the Wealth/Stack conference in Phoenix, Arizona.
Sep 10, 2019
Raising A Money Monster
Are you raising a money monster? It is easier than you think. Sometimes your "help" is the root of the issue. This episode describes the most important tips for helping your kids be smarter in money decisions. This works whether or not your kids are still kids.
Sep 3, 2019
Tricks To Early Retirement
According to my mother-in-law, the only independently wealthy people sell drugs. However, there ARE legal ways of retiring early. In fact, there are legal ways of getting money out of your retirement accounts without paying the 10% early withdrawal penalty! Don't miss these tricks to retiring early and sticking it to the tax man along the way.
Aug 27, 2019
What Your Financial Professional Does Not Want You to Know
You know "that guy" in your neighborhood who you swear played Ned Ryerson in Groundhog day. You know, the insurance agent from high school who says "You can never have enough insurance right? Am I right or am I right?" You still can't figure out why you either never hear from your financial professional or you can't get them to leave you alone about a trade or insurance change. Darrin Gunnell was fed up with it and was willing to spend some time on The Financial Call allowing me to pull back the curtain for him of financial professionals' compensation and motivations. Listen up, it will finally make sense.
Aug 20, 2019
Pension Deal Or No Deal with Bart Wagstaff
Pension Deal or No Deal: No, there will not be 26 lovely ladies holding numbered briefcases with different amounts. You'll most likely be sitting across the table from a 40-something year old balding advisor as you make this decision. Don't mess up the math. Listen carefully to ensure your bias or emotions don’t get the best of you as you make the big pension decision...and thank your lucky stars we're not in a black dress.
Aug 12, 2019
Finances for Dummies...I Mean Millennials
This is a discussion with two early-twenty year old working students (Ansley & Laura) about all the basic money decisions that happen in the beginning of adulthood. How do you juggle student loans, credit card debt, retirement savings, emergency funds, and paying the bills. "Finances for Dummies" is Ansley's description of this beginner's mental framework for financial decision making.
Aug 6, 2019
Quality Stock Picking with Nate Rhees
“Just buy the stocks that are going up.” How do you pick the best stocks? What does “best stocks” mean? Best at what? Minimum Volatility or highest growth? In this Episode Nate Rhees defines what this means to his firm, Alta Capital, which is a Quality Growth stock manager. How do you take the entire stock market with thousands of stocks and narrow it to 30?
Jul 30, 2019
Bond Basics with Monica Sonnier
Usually you hear people talk about all the different types of stocks and then bonds get lumped in one big category of "interest paying investments". Today’s episode is an interview with Monica Sonnier. Monica has built a tenured career in bond analysis and trading. Bonds can be simply described as a loan to an institution of some type. Listen to the end when we talk about an inverted yield curve and how some believe this is a precursor to a recession. If you are enjoying TheFinancialCall, leave us a review and share your experience. I hope you enjoy today’s episode.
Jul 23, 2019
The Getaway Guru with Larry Gelwix
Larry Gelwix is the Getaway Guru. He is the CEO of Columbus Travel. Today’s episode is all about having fun. For many, travel is the reward for proper financial planning. Maybe you have a bucket list of vacations you do in retirement. Or maybe you are like me and love your job, but don’t want to wait until retirement to experience the world. Larry does an excellent job laying out travel ideas for all of us. Listen carefully as he covers the best ways to get away!
Jul 9, 2019
Portfolio Audit with Kurt Brown
Today’s podcast is an interview with Kurt Brown, the founder of Townsquare Capital. Through an extensive portfolio audit, Townsquare exposes the 5 cardinal sins of portfolio management. Join us today to learn common mistakes of both professional and non-professional investors.
Jul 2, 2019
Giving Smarter - Complex Asset Donations
Are you about to sell your business? And donate to charity? Learn how you can give more and earn more, by following a few simple steps. This episode will teach you about the benefits of using a Complex Asset Donation Fund, in a very non-complex way!
Jul 2, 2019
Giving Smarter - Donor Advised Funds
If you donate to charity, this episode is for you. Learn how to utilize tax benefits to the fullest, in addition to earning the satisfaction of giving. The most common mistake in donating, is assuming that you will automatically get the best tax benefit for your donations. With only a little extra care, you can avoid this misstep. This episode will teach you how.
Jun 28, 2019
Medicare Blunders & Plans F & G
After interviewing Matt Gibson about the 5 Retirement Income Risks, we discovered that there are too many Medicare blunders and nuances out there that people need to be aware of. This podcast highlights these common mistakes, and also delves into supplemental Medicare options, Plans F & G. If Medicare makes you nervous, listen up, we know we can help you rest as ease.
Jun 20, 2019
Planning for Functional Decline with Dr. John Lassere
What is your goal for your health in retirement? R. John Lassere, MD practices Geriatric Medicine to help his patients live their best life. It isn't always about curing the patient, but helping them live a safe, happy, and honest life. Most retirees anticipate spending less due to doing less as they get older, however they also face inflation. So how will both variables impact your spending? More importantly, what decisions should you be considering now while you have the health? All this and more with Dr. Lassere.
Jun 4, 2019
Invest Like an Institution - Model Delivery with Kurt Brown
Download And Listen Anytime! In an interview with Kurt Brown, Founder of TownSquare Capital, we discuss the ways that individuals can invest like an institution. The layers between you and your end investment create inefficiencies that eat away at your possibilities for growth. Listen to Kurt describe his transition from Wall Street to Main Street and the passion behind empowering individuals with the preferential investment structure that has been available to institutions for years.
May 21, 2019
Recover Your Charitable Deduction - QCDs with Hal Rosen, CPA
Download and Listen Anytime! This episode is part one of a three part series called "Giving Smarter". In an interview with Hal Rosen, CPA with Haynie & Company, we cover Qualified Charitable Distributions (QCDs) as a method for recovering the tax benefit for charitable donations. Most people will take the standard deduction under our current tax code, rendering their charitable giving as tax-irrelevant. If you meet certain criteria, you can get it back.
Apr 24, 2019
To Roth or not to Roth
Today’s podcast we talk about the math myth of Roth’s. The underlying theme of this podcast is don’t be afraid of taxes, be aware of taxes.
Apr 24, 2019
5 Retirement Income Risks – Healthcare, Post-Medicare
Today's podcast covers Medicare Basics with expert, Matt Gibson. If you are lost in the alphabet soup of Part A, B, C, D, E, F, G or advantage plans; or, if you are getting pounded with mailers, scaring you about permanent penalties for inaction, this episode is for you.
Apr 24, 2019
5 Retirement Income Risks – Healthcare, Pre-Medicare
Today we cover how to bridge the gap until you can sign up for Medicare at age 65. Today we interview Chris Miller with Miller Wade group. If you’ve been delaying retirement until 65 just to keep health care or if you’re just out right scared of the health care environment, this podcast is for you.
Apr 24, 2019
IRA Beneficiary Blunders (outdated)
In this podcast, host Zacc Call goes over ways to protect the family relationships that can go sour if not thought about enough prior enough to passing. In addition to that, how we can minimize taxes as a secondary goal.