The Secrets of the Wealthy Podcast

Is your retirement strategy built around accumulation or distribution? That distinction can change how you plan your retirement. Listen in as John Mints explores the key differences between accumulation and distribution and why it's crucial to understand both. He emphasizes the value of tax planning during the distribution phase of retirement while exploring how smart … Read More Read More

Is your financial plan written down? Or do you have a plan in mind but need something more solid? Your plan may need some changes based on current financial circumstances. In this episode, John Mints explores the importance of creating a financial plan and the potential pitfalls of relying solely on Social Security for retirement. … Read More Read More

Tax strategies are important not only for saving money but are particularly needed when it comes to retirement planning. These strategies play a pivotal role in determining how much money you'll have at your disposal during your golden years. With effectively managing your taxes, you can potentially reduce the impact they have on your retirement … Read More Read More

Americans are depleting their excess savings, credit card debt has reached a record high, and student loan payments will resume soon.  In the previous episode, John Mints discussed the reality of our Government's spending problem and the complexity of the tax code. In this episode, he dives further into the Tax Cuts and Jobs Act … Continue reading Taxes In Retirement Part 2: Are You Retiring to a Lower Tax Bracket? (Ep. 35) →

What will taxes in retirement look like? They'll likely be your largest expense. That's why we're dedicating a series to it! In this episode, John Mints introduces a new series about taxes in retirement. He emphasizes the significance of maintaining financial balance during this phase of life and discusses the impact of the Secure Act … Continue reading Taxes In Retirement Part 1: Plan For Your Taxes (Ep. 34) →

Suppose you were 65 years old, won the lottery, and had sufficient funds to support your desired lifestyle, cover any potential future needs, and leave behind a satisfying inheritance.  Would you continue working? Would you put all of your assets in investments that are at risk of losing value? In this episode, John explains the … Continue reading What Does a Balanced Retirement Look Like? (Ep. 33) →

Traditional retirement plans focus on three parts: Pension, Social Security and assets. Now clients require an alternative as retirement income options are changing. In this episode, John Mints is joined by Jeremy Pillow, Senior Associate with Biltmore Financial, to discuss Social Security and why clients' retirement plans require strategies beyond one source of income. They … Continue reading The Fate of Social Security and Planning Secrets with Jeremy Pillow (Ep. 32) →

1 in 4 families in Texas doesn't receive enough food on a daily basis, yet many are too embarrassed to seek help from food banks. In this episode, John Mints speaks with Lisa Richardson, the CEO of Harvesting In Mansfield Ministry Center, Inc. about her work providing groceries and nutrition to people in need. She … Continue reading Harvesting in Mansfield's Mission to Help Families in Need with Lisa Richardson (Ep. 31) →

Do you struggle with sticking to new habits or achieving your goals? Maybe you just need to start measuring your progress.  According to a study by the American Psychological Association, frequently monitoring progress towards your goals can increase your chances of success.  In this episode, John Mints shares his 75-day commitment to developing new habits, … Continue reading The Power of Measuring Progress: How Tracking Your Habits Can Help You Achieve Your Goals (Ep. 30) →

Have you made your 2023 New Year's resolutions yet? If you're approaching retirement or are already retired, one of your resolutions should be to protect your assets. In this episode, John Mints emphasizes the importance of taking the time to protect your finances, investments, and ultimately, your lifestyle in retirement. He compares the current market … Continue reading 2023's New Years Resolution: Protect My Retirement (Ep. 29) →

Taxes are on everyone's mind these days. One of Biltmore Financial's three core pillars is tax planning and management, and we have a secret to share about it. In this episode, John shares the details about the one-of-a-kind tax planning and tax management software Biltmore Financial uses to serve their clients. He explains how this … Continue reading How We Help You Find the Best Tax Planning Options (Ep. 28) →

Did you know you can appeal the property tax assessment from the county appraisal district? Many property owners don't. As a result, they end up overpaying in property taxes. In this episode, John Mints speaks with Francis Kafor, property tax consultant at Texas Tax Protest, about the process of filing a protest for your property … Continue reading The Secret to Avoid Overpaying Your Property Taxes With Francis Kafor (Ep. 27) →

The new Inflation Reduction Act of 2022 comes as a promise to reduce the high inflation that the country is currently experiencing. However, do we know if this bill could achieve its intended objectives? In this episode, John Mints outlines the new Inflation Reduction Act and why it could significantly raise taxes and potentially have … Continue reading A Review of The Inflation Reduction Act of 2022 (Ep. 26) →

Have you heard that inflation can ruin your retirement plans? Curious as to how that can happen? In this final installment of Top 10 Questions You Should Be Asking Your Advisor Right Now, John Mints adds two bonus questions that can help you learn a lot more about your financial advisor.  Inflation is still increasing … Continue reading Top 10 Questions You Should Be Asking Your Advisor Right Now, Part 3 (Ep. 25) →

Inflation is affecting almost everything in our lives, especially for those retiring soon. For those facing retirement, inflation can cause a huge impact on your retirement savings with every percentage increase. In this episode, John Mints continues his discussion on the top 10 questions you should ask your advisor. Bringing these questions to your advisor's … Continue reading Top 10 Questions You Should Be Asking Your Advisor Right Now, Part 2 (Ep. 24) →

During times of a market downturn, people tend to reach out to financial advisors more often because of the added financial stress from the economy.  In this episode, John Mints answers questions that you may have right now. John discusses: The definition of a fiduciary Using the stress test to prepare yourself for anything that … Continue reading Top 10 Questions You Should Be Asking Your Advisor Right Now, Part One (Ep. 23) →

When markets are uneasy and the world seems more chaotic as days go by, you want to make sure you are secure in your portfolio and have confidence that you know how to manage your finances in a volatile market. In this episode, John Mints discusses the projection of the economy due to the current … Continue reading Confidence and Protection Versus Market Chaos (Ep. 22) →

Investing in a Roth is a great way to save on taxes, but it often comes with a number of handcuffs that limit the amount you can contribute. But what if there was a way to invest that would give you most of the benefits of a Roth without the limitations? In this episode, John … Continue reading A Roth on Steroids, Part Two (Ep. 21) →

There is an age-old secret that professionals such as doctors, dentists, chiropractors, and many others are surprised to learn about, especially those in a higher tax bracket. In this episode, John Mints talks about one of his favorite topics: tax-free savings and accumulation. Learn about his secret to tax-free gains that he calls a “Roth … Continue reading A Roth on Steroids, Part One (Ep. 20) →

Whether you're looking to obtain a mortgage on a home or looking to finance a vehicle, the rumored rise in interest rates could cause you to think long and hard before making such a commitment with your money. In this episode, John Mints discusses the challenges that people from all walks of life could face … Continue reading The Impact of Rising Interest Rates (Ep. 19) →

One Secret of the Wealthy is that they do not make major decisions based on emotion.  With the current market conditions, emotions are running high. How can you be sure you are using logic and not emotions to make investment decisions?  In this episode, John Mints uses logic, numbers, and facts to explain why the … Continue reading Is a Market Collapse Imminent? (Ep. 18) →

Many CPAs look to the past when trying to reduce taxes. Tax attorney, Evan Nielsen, takes a different approach.  By using a macro approach to tax planning, Evan helps his clients look into the future to help them save taxes not only in the short-term, but also throughout their entire lifetime. There are many tax … Continue reading The Secrets About Taxes with Evan Nielsen (Ep. 17) →

Congress is currently debating a $1.5 trillion spending bill. This new bill has a number of different tax provisions pertinent to those with IRAs, 401(k)s, Roth accounts and other retirement accounts. In this episode, John Mints explains the details of this new bill that is being discussed in Congress. John explains the potential ramifications these … Continue reading Saving Your Retirement Funds (Ep. 16) →

What is a Roth IRA, and why may it be the best option for you? When it comes to saving for your future, and with the current state of taxes, it's important to look for solutions that could be the right fit for you. In this episode, John Mints fills you in on some myths … Continue reading 401(k) vs Roth IRA (Ep. 15) →

There are a few bills being discussed on Capitol Hill that involve trillions in spending.  If you think this sounds too good to be true, you may be right.  In this episode, John Mints shares his thoughts about these proposed bills. With this potential, increased government spending, this generation and future generations could be subject … Continue reading Your Inheritance May Be In Danger (Ep. 14) →

Financial landmines are events or preconceived notions that hinder us from making sound financial decisions. The wealthiest people know the legal loopholes and secrets to avoid falling into financial landmines. What are these secrets? In part two of this two-part series, John Mints discusses more of the financial decisions that may be holding you back … Continue reading What Secrets? Part Two (Ep. 13) →

Financial landmines are events or preconceived notions that hinder us from making sound financial decisions. The wealthiest people know the secrets to avoid falling into financial landmines. What are these secrets? In this episode, John Mints talks about how you can start measuring your goals to increase your success rate within your portfolio. Living paycheck … Continue reading What Secrets? Part One (Ep. 12) →

Many Americans are looking to catch up on travel they didn't get to do in 2020 and see more of the world. However, one of the main barriers to travel is often cost.  But what if there were ways that you could travel the world for less using travel-hacking tips?  In this episode, John Mints, … Continue reading Travel Hacking 101: Travel Saving Secrets (Ep. 11) →

When shopping for health insurance or preparing to file for Medicare, there are so many options. It can be overwhelming without the proper guidance. In this episode, John Mints speaks with Casey Oliveira, insurance advisor at Axis Financial, to discuss what, how, and when regarding health insurance. Learn from Casey, who considers herself an advisor … Continue reading The Must Knows Of Medicare With Casey Oliveira (Ep. 10) →

With all the myths and concerns about annuities, it is important that you hear the facts from someone who knows the truth—and the lies.  In this episode, John Mints shares relatable stories to help you better understand annuities. He explains that with a better understanding, you can decide if an annuity is right for you. … Continue reading The Truth and Lies about Annuities, Part Three (Ep. 9) →

What rumors have you heard about annuities? John gets excited when he teaches about annuities, and he is going to share that excitement with you! In part two of this mini-series, John Mints dives deeper into how to find the right annuities for you. It is time to tackle the truth and the lies about … Continue reading The Truth and Lies about Annuities, Part Two (Ep. 8) →

Annuities are greatly misunderstood in today's world—they often have a bad reputation, but when they're utilized correctly, they can potentially be fantastic savings vehicles.  In this episode, John Mints discusses the truth and lies about annuities. He explains the three different types of annuities and how each of them work to help you discover which … Continue reading The Truth and Lies About Annuities, Part One (Ep. 7) →

Are you looking forward to retirement and living out the rest of your life the way that you've always imagined? It's important to be prepared for the additional costs retirement could bring. Do not put yourself in the position where you have to start living below your means. In this episode, John Mints debunks the … Continue reading Debunking The Top 10 Financial and Retirement Planning Myths (Ep. 6) →

When a series of unfortunate financial events come together, it can create what we call the Perfect Storm of Retirement. Luckily, we have solutions for you so the storm isn't so devastating to your finances.  In this episode, John Mints touches on the options available in response to the financial situations that he discussed in … Continue reading The Financial Perfect Storm, Part Two (Ep. 5) →

Just like in a real storm, there are financial events that can collide and knock you off track to reaching your goals.  In this episode, John Mints explains the perfect storm looming over your finances. John introduces what events could come together to collide, and he aims to help you understand just what the impacts … Continue reading The Financial Perfect Storm, Part One (Ep. 4) →

If you were asked right now whether you think taxes are going up or down in the future, what would you say? A majority of people know that taxes are going to continue to rise, but are you among the group of people that are preparing for that increase?  In this episode, John Mints dives … Continue reading You HAVE to Plan for Your Future Taxes (Ep. 3) →

What does it look like to discover the secrets of the wealthy?  In this episode, John Mints takes you through the process of what it is like to work with Biltmore Financial Services to access the legal financial loopholes to keep more of your money. He discusses the process his team follows from start to … Continue reading Working with Biltmore Financial Services (Ep. 2) →

Have you ever wondered why the rich get richer, while others do not? We are here to help you by uncovering some of the biggest secrets of the wealthy!   In this inaugural episode, meet your host, John Mints, as he introduces himself and his business, Biltmore Financial Services, to you! John shares what he … Continue reading Welcome to The Secrets of the Wealthy Podcast! (Ep. 1) →