Podcasts about Apollon

Your retirement projection is green. The Monte Carlo analysis shows a 95% probability of success. Everything looks good. So what could still go wrong? A retirement plan is only as good as the assumptions behind it—and real life rarely follows those assumptions perfectly. In this episode, we look beyond investment returns at some of the risks that can change an otherwise strong retirement plan: long-term care, the early death of a spouse, living longer than expected, helping family, lifestyle creep, liquidity problems, market declines early in retirement, and changing tax laws. More importantly, we discuss how these risks can actually be incorporated into the planning process through stress testing, liquidity planning, appropriate investment risk, and regularly updating the assumptions behind the plan.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

What does financial planning actually mean beyond managing an investment portfolio? Jeremiah Bates and Nic Daniels are joined by Bob Ruelle, Senior Vice President of Financial Planning at Apollon Wealth Management, to walk through how an experienced planner approaches a client's entire financial picture. Bob explains why good planning starts with understanding a person's goals, lifestyle, concerns and priorities before recommending anything—and why the financial plan itself should ultimately be the benchmark for whether a strategy is working. The guys cover tax planning, Roth conversions, retirement withdrawal strategies, RMDs, Social Security, Medicare IRMAA, insurance, risk management and estate planning—and, more importantly, how those decisions affect one another. Bob explains why a good financial plan organizes your finances, while a great one connects them, prioritizes the biggest opportunities and continues evolving as life changes. Later, they discuss common estate-planning mistakes, including outdated trusts and assets that were never properly titled. A caller whose husband is incapacitated after a bicycle accident brings the importance of powers of attorney and incapacity planning into real life. And to wrap it up, whether it can make sense to give children part of their inheritance while you're still alive, including annual gift exclusions, gift-tax reporting, appreciated property, cost basis and the tradeoffs between gifting assets now versus leaving them at death.   Listen, Watch, & Connect! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Estate planning is often built around a familiar structure: your spouse makes decisions for you, your children eventually inherit your assets, and a responsible family member serves as executor or trustee. But what happens when you don't have children—or an obvious person to fill those roles? In this episode, we discuss how estate planning changes when there aren't default answers. Who should make financial or healthcare decisions if you're incapacitated? Who should administer your estate? And if leaving a traditional inheritance isn't part of the plan, what do you actually want your wealth to accomplish? The conversation also explores how professional fiduciaries may fit into the picture, different ways to think about legacy beyond children, and why having no major inheritance goal can create a very different retirement-spending conversation.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Brian Wiley and Alexandra Lundgren are joined by Eric Sterner, Chief Investment Officer at Apollon Wealth Management, for an extended conversation on portfolio strategy and where he sees opportunities developing across the investment landscape. Eric discusses why the AI investment story extends well beyond technology stocks, with potential beneficiaries across healthcare, utilities, industrials, materials and the infrastructure needed to support continued AI growth. The conversation also explores healthcare and biotech, portfolio diversification, private equity and private credit, and the tradeoffs investors should understand before allocating money to alternative investments. A listener considering SpaceX and XRP brings the discussion back to fundamentals: building emergency savings, using diversified investments as a foundation, and keeping speculative investments in perspective. The final hour shifts to insurance and risk management, including term versus permanent life insurance, IULs, annuities, long-term care and disability coverage, and what an insurance company's "guarantee" actually means.   Listen, Watch, & Connect! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Spyros Siamos is an energy healer, esoteric author, and former mathematics teacher based in Messinia, Greece. He lives on a coastal olive grove situated near an ancient Temple of Apollo, where he conducts one-on-one healing sessions and hosts sound therapy, meditation, and spiritual workshops.A father of two and author of three books on esotericism, Spyros has explored various healing modalities and trained in Peruvian Shamanism for over ten years. He recently established Esothen Messinia—a dedicated space created to host accessible, low-budget creative and spiritual holidays, as well as affordable retreats in Greece.English is not Spyros' first language. Many of the concepts we touch on in this episode are ones that he wishes he could wax poetic on in his mother tongue. Never the less, this apparent limitation gives us, the listener, the opportunity to, like Apollo, allow ourselves to be engaged in the struggle of birthing the light.We begin with Spyros' childhood. His father taught primary and encouraged his interest in the ancient myths of his culture that were taught in early education. Spyros experienced myth as a way of tapping into the threads of history. Once in high school, myth was no longer taught. He replaced mythology with philosophy as that's what was considered to be the sensible thing to learn. To put away childish things. Then, through his exploration of the interior landscapes with a Peruvian Shaman, in the depth of his own consciousness, the mythic figures he'd learned about in early education returned as guides. First Athena, Aphrodite, Dionysus and others. And after a few years, Apollo. It was this first hand experience with the gods that I wanted to connect to On the Soul's Terms. Apollo (or the astrological Sun) not just as a concept that we can form opinions on and argue on the costs and benefits of such a god, but as an emergent, embodied, felt sense experience that is personified in Ancient Greek culture as the deity of light, harmony, balance and a clarifying light at the centre of it all. Later in the episode we touch on how and where Apollo has shown up in Spyros' healing work. Including the first time, when he was in the position of healer for a young man who had gone into a coma following a motorcycle accident. Here the god helped him to stay in a state of observation whilst the pain, suffering and emotion swirled all around him.We talk about the cultivation of the mind necessary to be in right relationship with such potent energy fields. And the risk, that Spyros himself has suffered personally, of having one's system blown open when that light is unmediated. Which draws us to the field of the Muses or the Angels or the Daimones. Whatever one might call that layers of consciousness that is neither this nor that, both... and. And how they can help us to create from a steady hearth rather than from bright sparks that leave us singed in the end. Spyros will be hosting a retreat for men in Greece in October. I'll be personally attending. For more information on that click here. The episode artwork is from the West Pediment in the museum in Olympia. We discuss the scene in the episode – The Centaurs vs the Lapiths. Apollo stands in the centre of a chaotic battle between consciousness and instinct. Victory, in this sense, is not a case of overpowering the instinct, but of locating the light whilst being open to it all.Join the Newsletter!Podcast Musician: Marlia CoeurPlease consider becoming a Patron to support the show!Go to OnTheSoulsTerms.com for more.

You need cash for a major purchase or investment opportunity. You could sell appreciated investments and potentially trigger capital gains taxes—or borrow the money and leave your investments alone. Borrowing can sound like the obvious choice. After all, loan proceeds generally aren't taxable income. But what happens when it's time to pay the loan back? In this episode, Nic breaks down the planning behind selling investments versus borrowing, including when debt can be an effective short-term tool, when paying the tax may actually leave you better off, and why avoiding taxes today shouldn't be the only goal. The takeaway: Don't just compare taxes today. Consider interest, risk, time frame, repayment, and how the decision fits into your overall financial plan.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Två gånger blev han drabbad av Apollon. Friedrich Hölderlin skrev några av den tyska poesins eldigaste dikter, men betalade ett högt pris för ingivelserna. Aris Fioretos spårar förändringen i hans dikter. Lyssna på alla avsnitt i Sveriges Radios app. ESSÄ: Detta är en text där skribenten reflekterar över ett ämne eller ett verk. Åsikter som uttrycks är skribentens egna. Först sänd 2020-11-04.Fem år ligger mellan dikterna. Ändå löper en ravin mellan dem.Den första vänder sig till antikens ödesgudinnor. ”Till parcerna” skrevs 1799. Då var Friedrich Hölderlin 29 år gammal. Bakom sig hade han flöjtlektioner, klosterskola och prästseminarium. Han hade läst klassikerna, umgåtts med Goethe och knåpat med vers. Han hade varit reformator hos en bankir i Frankfurt, förälskat sig i mannens fru och givit ut brevromanen Hyperion, i vilken en olycklig kärlek skildrats som påminde om hans egen.Kort sagt: Fastän Hölderlin var ung när dikten trycktes hade han ett stormigt förflutet:O unna än en sommar, ni väldiga, Och bara en höst till mig för mogen sång, Så att mitt hjärta villigare Brister, så mättat av ljuva toner! Min själ fick inte gudarnas rätt till liv, Och inte heller Orkus ger någon ro; Dock det som ligger mig om hjärtat, Dikten, den heliga, fann gehör förr. Välkommen då, o fridfulla skuggors värld! Tillfreds är jag, om också mitt strängaspel Ej leder ned; en gång var livet Gudarnas likt, mer behövs nu inte.Trots vemodet andas dikten kraft. Det märks på utropen – riktade ena gången uppåt, andra gången nedåt. ”O […] ni väldiga!” ”O fridfulla skuggors värld!” I sitt tidiga verk använde Hölderlin ofta tecknet. Brevromanen var visserligen full av avsked. Men de många lodräta strecken med punkt under som förekom på varje sida darrade av tilltro till ordets makt. Ännu var språket hett; utropstecknet erbjöd snabbaste vägen att förbinda dödligas sysslor och gudars ärenden.Fem år senare hade tecknet försvunnit. När den andra dikten – ”Hälften av livet” – publicerades 1805 saknade verserna spänst. Orden var få och svala. Vid det laget vårdades Hölderlin på en klinik i Tübingen. Snart flyttades han över till ett tornrum vid floden Neckar, där han omhändertogs av en snickarfamilj. 37 år gammal skulle han bli kvar i tornet lika många år till, till dess han dog 1843.Hade poeten spänt lyran för hårt? Drabbades han, som vissa trott, av en psykos? Några år tidigare hade han rest till Frankrike. Kanske utlöste vistelsen där sammanbrottet? Med den ledsne hjälten i Hyperion kan bara konstateras: ”Vem vet?”I december 1801 bröt Hölderlin upp från södra Tyskland. När han bestämt sig för att bli poet istället för präst hade modern ställt in sitt understöd. Nu skulle han tillträda en tjänst som ”privatlärare och predikant” i den tyske konsulns hem i Bordeaux. Vandringen över bergen utlovade äntligen en självständig tillvaro som homme de lettres, en ordets man.”Jag får verkligen lov att hålla ihop huvudet, i Frankrike, i Paris”, förklarade han för sin vän Böhlendorff före avresan. ”Världen ligger ljusare framför mig än tidigare, och allvarligare.” Efter att ha vandrat genom Schwarzwald nådde han Straßburg. Det politiska läget var oroligt. Napoleon hade nyligen utnämnt sig till konsul på livstid och skulle snart gripa makten; polisen och armén stod i alarmberedskap. I ett brev hem rapporterade han:Här är nu så oroligt att man endast i innerlig åtanke på dem som känner oss och ju även är goda finner sig själv igen.Vandringen blev en resa lika mycket genom en vådlig yttervärld som i ett turbulent inre. Då Hölderlin kom fram kallade han sig följaktligen ”nyfödd”.Under våren arbetade han i konsulns hem. Klimatet var behagligt; människornas ”atletiska kroppar” och temperament lämnade spår i hans poesi. Ändå återvände han hem redan i maj. Tvingades han mot tidigare överenskommelse att predika för hela den tyska kolonin? Hade han nåtts av beskedet att bankirhustrun låg för döden i Frankfurt? Upprördes han av politiska skäl?Vem vet? Då Hölderlin nådde hemtrakten i slutet av juni var han i uselt skick. Enligt vittnesmål tycktes han ”blek som ett lik, avmagrad, med vilda, djupt liggande ögon, långt hår och skägg, och klädd som en tiggare”. Detta var inte längre gudarnas gunstling, utan skuggan av ett jag.I ett nytt brev till Böhlendorff berättade Hölderlin om tiden i Frankrike:Det våldsamma elementet, elden från himlen och människornas stillhet, deras liv i naturen och deras begränsningar och tillfredsställelse grep mig oupphörligen, och som man säger om hjältar kan jag nog säga att Apollon slagit mig.Sedan dess har eftervärldens diagnos lytt: dubbelt drabbad av diktkonstens gud. Å ena sidan skrev Hölderlin några av den tyska poesins eldigaste dikter, å den andra betalade han för ingivelserna med tappat huvud.Den andra dikten, ”Hälften av livet”, skildrar denna den utbrändes värld: Av gula päron dignar Och fullt av vilda rosor Landet i sjön, Ni vackra svanar, Och druckna av kyssar Doppar ni ert huvud I helignyktert vatten. Ve mig, var finner jag, då Det blivit vinter, blommor, Var solens sken Och jordens skugga? Murarna står Mållöst kalla, i vinden Gnisslar flöjlarna. Kraften har gått ur jaget. Diktens stilla, nästan slappa rytm markeras av kommatecken som uppgivet droppar från ena raden till nästa. Ett ensamt utrop dröjer kvar. Men det riktas inte längre till högre makter och följs inte av något streck med en punkt under. Istället beklagar poeten sig själv och avslutar med villrådighetens krumma frågetecken: ”Ve mig, var finner jag, då / Det blivit vinter, blommor, / Var solens sken / Och jorden skugga?” Bara flöjlarna gnisslar vilset i vinden – som vore de osäkra på i vilken riktning luften blåser som fyllt poetens bröst.Sedan Hölderlin insomnade en juninatt 1843 har hans livsöde lockat i samma utsträckning som dikterna. Han har tagits i anspråk av brunfärgade nationalister, som tolkat poesin som en hyllning av fosterlandet, men även av marxistiskt skolade läsare som varit lika säkra på dikternas socialrevolutionära anda. Han har redigerats av filologer, dekonstruerats av teoretiker och lästs av sentida poeter.Kort sagt: Hölderlin är ett monument. Men monumentet är lika mycket en ruin. Flera dikter existerar bara som brottstycken. Häftena i vilka han mot slutet av sin aktiva tid som poet skrev kors och tvärs med ett bläck för att fortsätta med ett annat bläck mellan raderna hyllar i hemlighet det ofärdiga.Eller som det heter i ett sent fragment:Men när det blåUtsläckts, detta egenartade, skinerDet matta som liknar marmorn, likt malm,Tecken på rikedom.Aris Fioretos, författare och professor i estetik Översättningarna är essäistens egna.

The financial world looks very different than it did just a few years ago. Brian Wiley is joined by Steve Cilley of Ataraxis PEO for a wide-ranging conversation about how changes in technology, the workplace, housing, and the economy are reshaping the way people build and protect wealth. The show begins by looking back at the economic fallout from COVID, including stimulus, inflation, changes in employee expectations, and the lasting impact on businesses. A listener with gains in XRP brings the conversation into cryptocurrency, tax-loss harvesting, cost-basis tracking, cold wallets, and the challenges of proving and protecting ownership of digital assets. Brian and Steve then look ahead to AI and robotics, discussing which jobs may be disrupted and why owning capital could become increasingly important as technology changes the labor market. The discussion shifts to whether homeownership still makes financial sense, especially for younger generations facing higher prices and interest rates. They compare buying versus renting, home equity versus investing, the changing age of first-time buyers, and the financial and lifestyle tradeoffs behind the American dream of owning a home. The final hour focuses on business owners and the modern workplace: employee classification, remote workers across state lines, payroll and employment-law risks, compensation agreements, managing employees, and why growing businesses eventually need their systems and advisors to grow with them.   Listen, Watch, & Connect! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Where you invest your money is only part of the equation. Which accounts hold those investments, how they're taxed, and where you eventually take income from can have just as much impact on your financial plan. Brian Wiley and Jeremiah Bates begin with a listener looking for conservative retirement income, breaking down Treasury bills, notes and bonds, buying at auction versus the secondary market, bond ladders, CDs, annuities, interest-rate risk, and why avoiding state income tax shouldn't be the only consideration when choosing an investment. The conversation then turns to asset location and retirement income—how taxable accounts, traditional IRAs, 401(k)s and Roth IRAs should work together, and how taxes can influence which accounts you spend from in retirement. The hosts also discuss staying disciplined through market volatility, investing for younger generations, and compare Trump Accounts with 529 plans and custodial accounts. The show closes with listener questions on Backdoor Roth IRAs, the pro-rata rule, consolidating old retirement accounts, and how to fund large retirement expenses without creating unnecessary taxes.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

For many entrepreneurs, their business is their largest financial asset, but very few know what it's actually worth or what it takes to maximize its value before an exit. This week, our team is joined by Jeff Szczypinski of WR Valuation for an in-depth discussion on business valuations and why they're about much more than determining a sale price. They explain how valuations support retirement planning, succession planning, estate planning, buy-sell agreements, gifting strategies, and ownership transitions. The conversation also covers the biggest drivers of business value, including management teams, key-person risk, customer concentration, financial records, and buyer due diligence, along with practical ways business owners can increase the value of their company before going to market. The discussion continues with retirement and tax planning for self-employed business owners, covering SEP IRAs, SIMPLE IRAs, Solo 401(k)s, contribution strategies, employee considerations, and how choosing the right retirement plan can help reduce taxes while building long-term wealth. Throughout the show, the hosts emphasize that a business valuation isn't just about selling your company—it's one of the most valuable planning tools a business owner can have when preparing for retirement and protecting their family's financial future.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

C'est Apollon qui lui a donné le don de divination, et lui qui, lui crachant dans la bouche parce qu'elle s'était refusée à lui, l'a condamnée à ne jamais être crue dans ses divinations. Mais le premier don portait en lui le ver ; il était déjà une malédiction : prophétiser, quelle abomination !

Selling a business is one of the largest financial events many entrepreneurs will ever experience... But most owners spend years building their company without spending nearly enough time planning how they'll eventually leave it. Jeremiah and Nic discuss why successful business exits begin long before a purchase offer arrives. They explain why business owners should start planning two to three years before selling, the importance of obtaining a professional business valuation, preparing financial records for buyer due diligence, building enterprise value instead of simply generating income, and coordinating your CPA, attorney, valuation specialist, and financial advisor throughout the process. They also share real client examples that illustrate the dramatic difference between proactive planning and trying to figure everything out after the sale has already occurred. The guys also explore why nearly 92% of small businesses never actually sell, common succession planning mistakes, and why many owners underestimate the value they've spent decades creating. Listeners will hear practical discussions about treating a business as an investment asset, creating retirement income after a liquidity event, and avoiding costly tax mistakes once a large lump sum is received. Jeremiah and Nic cover advanced tax planning strategies, including donor-advised funds, managing large capital gains, charitable giving, and the distinction between ordinary income and capital gains taxation. For business owners and self-employed professionals, the hosts review tax-saving opportunities available through SEP IRAs, SIMPLE IRAs, Solo 401(k)s, Cash Balance Plans, Mega Backdoor Roth strategies, S-Corp elections, bonus depreciation, and other planning ideas that can help reduce taxes while building long-term wealth.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Owning an annuity you no longer like does not automatically mean surrendering it is the right decision. Nic has the discussion of how to evaluate an annuity that no longer seems to fit your retirement plan. He walks through the reasons investors become dissatisfied with their contracts, the questions to ask before making a change, and the different options that may be available. Depending on the contract and your circumstances, the answer could be to keep the annuity, wait for surrender charges to expire, take partial withdrawals, complete a 1035 exchange, begin using its income features, or surrender it entirely. Nic also explains why frustration alone is not enough to make the decision. Taxes, surrender penalties, income riders, guarantees, opportunity cost, age, and retirement goals all need to be considered together. Sometimes remaining in an annuity can be costly. In other cases, leaving it may create even more damage. The right answer depends on what you own, why you bought it, and whether it still serves a purpose in your financial plan.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Retirement taxes are rarely as simple as people expect, and making the wrong withdrawal at the wrong time can have consequences far beyond your tax bill. In our first hour, Jeremiah Bates and Alex Lundgren explain how IRA withdrawals, pensions, Social Security, brokerage accounts, Medicare IRMAA surcharges, and capital gains work together to shape your lifetime tax picture. They discuss why major purchases, home remodels, and other large withdrawals deserve careful planning to avoid unnecessary taxes and higher Medicare costs. The conversation later shifts to Social Security planning. The hosts cover when to claim benefits, how working before full retirement age can affect payments, filing strategies for married couples, survivor benefits, and why Social Security should be coordinated with the rest of your retirement income plan instead of viewed in isolation.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Whether you're starting a business, growing one, or preparing to exit, the financial decisions you make today can have long-term tax and estate planning consequences. In Hour 1, Brian Wiley and Jeremiah Bates explain the differences between LLCs and S Corporations, when an S Corp election may make sense, how business structure affects taxes and liability, and why business owners should coordinate their entity planning with their estate plan. They also discuss cost basis, inherited assets, and avoiding costly mistakes before they happen. Hour 2 shifts to investing, covering concentrated stock positions, strategies for managing highly appreciated investments like Micron, investor psychology, and ways to think through market volatility, geopolitical events, and portfolio risk without letting headlines dictate your decisions. The final hour answers listener questions on business succession planning, selling a closely held business when family members don't want to take over, Qualified Opportunity Zones and the upcoming 2026 tax deadline, evaluating annuities within a comprehensive financial plan, and why fiduciary advice should focus on your entire financial picture—not just one investment account.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

For many, index funds are one of the best ways to build long-term wealth. But as portfolios grow and taxable investments become a larger part of the picture, the conversation often shifts beyond investment returns. Today, Nic talks about how direct indexing fits into the next stage of financial planning. He explains why successful investors with large taxable brokerage accounts may begin looking for additional flexibility around taxes, portfolio customization, and managing highly appreciated assets. You'll learn how direct indexing differs from traditional index investing, why tax-loss harvesting is only part of the story, and how this strategy may fit into a broader financial plan. Nick also discusses who direct indexing is designed for—and just as importantly, who it probably isn't.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Brian Wiley is joined by business coach and author Allison Dunn for a conversation about why critical thinking is one of the most valuable financial skills an investor, business owner, or retiree can develop. They discuss how better decision-making applies to retirement planning, leadership, investing, and navigating life's biggest financial choices. The show also answers listener questions on retirement planning, including how to coordinate 401(k)s, Traditional IRAs, HSAs, and Roth conversion strategies to improve tax efficiency. Brian explains why retirement accounts should be viewed both individually and as part of one comprehensive financial plan, while also discussing health insurance planning before Medicare eligibility. Later, the conversation turns to long-term care planning, estate planning, trusts, and the pros and cons of self-funding versus insurance-based solutions. They also explore fiduciary advice, family communication around money, Micron stock and concentrated positions, investor psychology, and why having a thoughtful process often leads to better financial outcomes than simply reacting to markets or emotions.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Guest: Allison Dunn, Author and Business Coach https://deliberatedirections.com/think-first-allison-dunn/ ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Most families don't think about Medicaid planning until they're facing a health crisis—but by then, some of the best planning opportunities may already be gone. Nic and Jeremiah are joined by Brooke Baker and Jessica Young of Legacy Navigation for an in-depth conversation about the realities of long-term care, Medicaid eligibility, and protecting family assets. Together, they break down the differences between Medicare and Medicaid, the true cost of care, common misconceptions about qualifying for benefits, and why so many families find themselves overwhelmed when a loved one suddenly needs assistance. The discussion explores real-world planning considerations, including asset protection strategies, the five-year lookback period, spousal protections, estate recovery rules, and the challenges families face when trying to navigate the complicated system on their own.   Guests: Brooke Baker & Jessica Young Legacy Navigation https://legacynavigate.com/   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Brian Wiley and Jeremiah Bates open the show with a discussion on concentrated stock positions, portfolio rebalancing, and the challenges investors face after large gains. Using examples ranging from Micron stock to broader market opportunities, they explore diversification, risk management, investor psychology, and the ongoing battle between fear and greed. The conversation also examines what it really means to be wealthy, how to think about financial independence, and why having a plan matters more than chasing the next investment opportunity. The second hour focuses on retirement income planning and highly appreciated assets, particularly rental properties. They discuss capital gains concerns, 1031 exchanges, Delaware Statutory Trusts (DSTs), step-up in basis rules, and strategies for investors who want to simplify their lives without creating unnecessary tax consequences. They also cover Treasury bills, retirement withdrawal planning, income-focused investing, and how to evaluate whether your assets are positioned to support your long-term goals.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Brian Wiley ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Délos est une île grecque pas comme les autres, une petite île sans habitants permanents mais chargée de milliers dʹannées dʹhistoire. Ce site archéologique est un musée à ciel ouvert où mythes et réalités se rencontrent. Cette île est connue, entre autres, pour le sanctuaire dʹApollon mais aussi pour la terrasse des lions. Lʹhistoire de Délos avec Hélène Wurmser, maître de conférences en archéologie et histoire de lʹart grec à lʹUniversité Lumière Lyon 2

À Delphes, douze siècles durant, une étrange femme rend des oracles au nom d'Apollon, fondant des cités, guidant des rois et façonnant le monde grec : la Pythie.Plongez au cœur de l'un des plus fascinants mystères de l'Antiquité grecque : l'oracle de Delphes et sa prêtresse, la Pythie. De Lycurgue à Alexandre le Grand, en passant par le roi Crésus, découvrez comment cette voix d'Apollon a influencé le cours de l'Histoire.Dès le VIIIe siècle avant notre ère, la cité de Delphes, nichée au pied du mont Parnasse, devient un véritable carrefour géopolitique. Les plus grandes figures de la Grèce ancienne se pressent pour consulter l'oracle de la Pythie, cette femme plongée en transe qui délivre les messages du dieu Apollon. De leurs réponses ambiguës dépendent souvent les décisions stratégiques des cités grecques, qu'il s'agisse de fonder une colonie ou d'entrer en guerre.Franck Ferrand nous immerge dans l'atmosphère mystique de ce haut lieu de la spiritualité antique. Il nous fait revivre les rituels fascinants qui entouraient la Pythie, cette prêtresse tantôt vénérée, tantôt crainte pour le poids de ses oracles sur le destin des hommes. À travers les témoignages des plus grands auteurs grecs, comme Hérodote ou Plutarque, on découvre les ressorts géologiques et mythologiques qui font de Delphes un endroit hors du commun.Des conquêtes d'Alexandre aux pillages romains, l'oracle de Delphes a traversé les siècles, façonnant l'histoire de la Grèce antique jusqu'à son déclin au IVe siècle de notre ère. Mais au-delà des ruines, la voix de la Pythie semble encore résonner dans cette vallée sacrée.

À Delphes, douze siècles durant, une étrange femme rend des oracles au nom d'Apollon, fondant des cités, guidant des rois et façonnant le monde grec : la Pythie.Plongez au cœur de l'un des plus fascinants mystères de l'Antiquité grecque : l'oracle de Delphes et sa prêtresse, la Pythie. De Lycurgue à Alexandre le Grand, en passant par le roi Crésus, découvrez comment cette voix d'Apollon a influencé le cours de l'Histoire.Dès le VIIIe siècle avant notre ère, la cité de Delphes, nichée au pied du mont Parnasse, devient un véritable carrefour géopolitique. Les plus grandes figures de la Grèce ancienne se pressent pour consulter l'oracle de la Pythie, cette femme plongée en transe qui délivre les messages du dieu Apollon. De leurs réponses ambiguës dépendent souvent les décisions stratégiques des cités grecques, qu'il s'agisse de fonder une colonie ou d'entrer en guerre.Franck Ferrand nous immerge dans l'atmosphère mystique de ce haut lieu de la spiritualité antique. Il nous fait revivre les rituels fascinants qui entouraient la Pythie, cette prêtresse tantôt vénérée, tantôt crainte pour le poids de ses oracles sur le destin des hommes. À travers les témoignages des plus grands auteurs grecs, comme Hérodote ou Plutarque, on découvre les ressorts géologiques et mythologiques qui font de Delphes un endroit hors du commun.Des conquêtes d'Alexandre aux pillages romains, l'oracle de Delphes a traversé les siècles, façonnant l'histoire de la Grèce antique jusqu'à son déclin au IVe siècle de notre ère. Mais au-delà des ruines, la voix de la Pythie semble encore résonner dans cette vallée sacrée.

SpaceX officially went public, raising a record $75 billion and becoming the largest IPO in history—and Jeremiah Bates and Nick Daniels spend the first hour breaking down what that means for investors, how IPOs work, whether buying newly public companies makes sense, and how many investors may gain exposure through index funds and retirement accounts. The conversation then shifts to a major tax planning issue approaching at the end of 2026: Qualified Opportunity Zone (QOZ) investments. The guys explain why deferred gains from these investments are becoming taxable, the planning opportunities available before the deadline, and what investors should be doing now to prepare. The show also covers donor-advised funds, highly appreciated stock strategies, the differences between flat-fee planning and traditional asset management, and practical retirement tax planning topics including required minimum distributions (RMDs), qualified charitable distributions (QCDs), Roth conversions, and Medicare-related planning opportunities.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Estate planning used to be relatively straightforward: create a will, establish a trust if appropriate, and make sure your beneficiaries were named correctly. Today, it's much more complicated. We talk about how modern estate planning has evolved beyond traditional documents and why many families may have planning gaps they don't realize exist. Common reasons estate plans become outdated, the growing importance of digital assets, and the challenges families can face when trying to access online accounts, digital photos, cloud storage, payment apps, and other assets that didn't exist when many estate plans were originally created. We also discuss the difference between legal authority and practical access, why estate planning should be reviewed periodically, and simple steps families can take to reduce confusion and stress for loved ones.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

What happens to your money, your assets, and even your digital life if you don't have children to step in? Jeremiah Bates and Alex Lundgren spend the first hour tackling one of the fastest-growing estate planning challenges in America: planning for incapacity and inheritance when there are no children or obvious heirs. The discussion covers power of attorney decisions, trustees, elder abuse risks, professional fiduciaries, pet trusts, digital assets, online accounts, passwords, and why failing to plan can leave critical decisions in the hands of the court. The second hour shifts to a major market story: SpaceX's highly anticipated IPO. Jeremiah and Alex break down how IPOs actually work, why many investors misunderstand them, the risks of buying into market hype, and how SpaceX could eventually impact index investors and retirement accounts through future index inclusion. The final hour focuses on practical planning decisions, including pension maximization strategies, large income windfalls from business sales and acquisitions, Medicare and tax planning considerations, and tax gain harvesting opportunities for investors sitting on significant unrealized gains.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Près de huit mois après le « casse du siècle » au Musée du Louvre, cette affaire de cambriolage spectaculaire n'a toujours pas été élucidée. Les enquêteurs travaillent d'arrache-pied pour tenter de retrouver les joyaux de la couronne de France dérobés le 19 octobre 2025 dans la galerie Apollon.Quatre suspects ont été mis en examen dans ce dossier, soupçonnés d'avoir participé à ce vol qui avait mis en lumière les failles de sécurité importantes du plus grand musée du monde. Les commanditaires, eux, n'ont pas encore été identifiés.Reporter police-justice au Parisien, Jean-Michel Décugis signe ce mois-ci « Main basse sur le Louvre : les secrets du casse » (Flammarion), coécrit avec les journalistes Jérémie Pham-Lê et Nicolas Charles-Torrent.Il fait le point sur cette enquête dans Code source.Écoutez Code source sur toutes les plates-formes audio : Apple Podcast (iPhone, iPad), Amazon Music, Podcast Addict ou Castbox, Deezer, Spotify.Crédits. Direction de la rédaction : Pierre Chausse - Rédacteur en chef : Jules Lavie - Reporter : Judith Perret - Production : Clara Garnier-Amouroux et Thibault Lambert - Réalisation et mixage : Théo Albaric - Photo : REUTERS/Abdul Saboor - Musiques : François Clos, Audio Network - Archives : LCI, CBS, TF1. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Can you really know if you're ready to retire? Jeremiah and Alex spend much of this episode unpacking one of the most commonly misunderstood tools in financial planning: retirement projections and Monte Carlo simulations. They explain what an 85% or 90% probability of success actually means, why those numbers can be useful, and where they can create a false sense of certainty if they're viewed in isolation. They explores sequence-of-return risk, retirement spending assumptions, inheritance surprises, and the reality that successful retirement planning requires far more than simply hitting a target number. Later in the show, Jeremiah and Alex tackle another area where people often misunderstand the rules: company stock compensation. They break down how RSUs, stock options, and employee stock purchase plans work, why taxes can catch employees off guard, and the planning opportunities available when company stock becomes a meaningful part of your net worth.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

For decades, most people focus on one side of retirement planning: Saving money, building investments, and growing retirement accounts. But eventually the question changes: "How do I actually live off this?" Nic talks about one of the biggest and most overlooked transitions in retirement: replacing a paycheck with income created from your own portfolio. From dividend-paying investments and automated distributions to cash reserves, taxes, Roth flexibility, and income coordination, Nic explains what retirement income actually looks like in the real world and why it's often much more complex than simply "living off dividends." He also dives into the emotional side of retirement income planning, including why so many people struggle with touching principal, spending from their own assets, and maintaining confidence once the steady paycheck disappears.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Aujourd'hui, je vous raconte l'histoire de la nymphe Daphné et du dieu Apollon.Au cœur d'une forêt enchanteresse de la Grèce antique, se trouve une nymphe à la beauté incomparable nommée Daphné. Fille du fleuve Pénée, elle jure de rester fidèle à sa liberté et rejette toute forme d'amour. Elle ne désire aucun amant pour rester aussi libre que les rivières qui dansent à travers les bois sacrés… Bonne écoute !

Financial problems don't always come from bad decisions—they often come from not understanding the rules. Jeremiah Bates and Nic Daniels break down the costly financial mistakes people make when acting without a clear strategy. The conversation starts with the growing threat of AI scams, wire fraud, romance scams, and why even younger, financially savvy individuals are getting caught off guard. From there, the show moves into retirement planning mistakes—how improper 401(k) rollovers can trigger unnecessary taxes and penalties, why understanding account rules matters, and when consolidating scattered retirement accounts makes sense. The hosts also tackle highly appreciated stock positions, Roth conversion strategy after age 65, Medicare premium impacts, Social Security coordination, and tax-efficient ways to unwind concentrated positions. The broader theme throughout the episode is simple: many of the most expensive financial mistakes are completely avoidable with proper planning…   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

"I'd retire tomorrow… if it weren't for health insurance." It's one of the most common concerns we hear from people approaching retirement, especially those hoping to leave work before Medicare begins at age 65. In this podcast, Nic Daniels breaks down the real planning considerations behind retiring before Medicare eligibility. From COBRA and Affordable Care Act marketplace plans to spouse coverage, bridge employment, and self-funding healthcare costs, Nic walks through the high-level options people should be aware of. But this conversation goes beyond just healthcare, because depending on how retirement income is structured, healthcare costs may be impacted by ACA subsidies, tax strategy, and withdrawal planning decisions. Nic also shares a real planning example involving a household looking to retire early and how outside assets—not retirement accounts—helped create flexibility in bridging the gap to Medicare.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Jeremiah Bates and Alex Lundgren spent Mother's Day weekend tackling one of the biggest financial issues many families avoid until it's too late: long-term care and the cost of aging. The show opens with Brooke Baker and Jessica Young, Co-Founders of Legacy Navigation, breaking down how Medicaid actually works, what it really covers, and the biggest misconceptions families have around qualifying for benefits. The conversation covers in-home care, assisted living, memory care costs, spousal asset protection strategies, the five-year lookback rule, and why certain estate planning decisions can accidentally create Medicaid problems later on. Going into the second hour, Jeremiah and Alex pivot into another major planning blind spot: letting taxes dictate investment decisions. They discuss concentrated stock positions, large unrealized gains, rental property sales, 1031 exchanges, Medicare IRMAA surcharges, and why many investors hold onto assets longer than they should simply because they fear the tax consequences. Throughout the show, the bigger theme remains the same: most financial problems become significantly harder when planning is delayed. Whether it's long-term care, estate coordination, taxes, or investment decisions, this show focuses on why proactive planning matters before life forces the issue.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren Guests:Brooke Baker, RN & Jessica Young, MSW Co-Founders of Legacy Navigation https://legacynavigate.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

What happens when your 401(k) suddenly surges and your lifestyle starts rising with it? This week, Brian and Jeremiah uses a real example of Micron stock climbing over 600% in about a year to show how quickly investor behavior can change. They break down how rising account balances lead to increased spending, more confidence, and a shift away from the original concern many had just a year ago: how to generate reliable income in retirement. The conversation centers on a key idea: Growth doesn't solve income. Without a plan, big gains can actually increase risk by creating dependency on account values rather than sustainable cash flow. A caller dealing with Boeing stock highlights another real-world issue: confusion around ownership, dividends, and managing investments held outside traditional custodians. Plus, when to reassess, how to convert gains into income, and why protecting what you've built matters just as much as growing it. The guys also introduces the concept of "insuring" investments and recognizing the cycle between fear, growth, and overconfidence.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Brian Wiley & Jeremiah Bates ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Official show merch www.bucketsoff.com YouTube Live Stream every Friday at 11 est www.youtube.com/@4thLineVoice Todays Topics  my guest is Divyne Apollon we talk about his first year in pro hockey and his upcoming fight at Ice Wars  May 14th Edmonton Alberta at the River Cree Casino  Joe Lozito's book link https://www.amazon.com/New-York-Subway-Hero-Spree-Killer/dp/1499215800 Episode 501   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Taking money out of your accounts sounds simple… but it's usually not as simple as it seems. In this episode, Nic walks through why withdrawals are more than just getting cash. They're actually one of the biggest tax decisions you'll make, especially in retirement. From understanding the difference between pre-tax, Roth, and brokerage accounts to seeing how each one impacts your taxes over time, this conversation focuses on how small decisions today can create bigger consequences down the road. He also shares real examples, including helping a child with a down payment and a situation where a "0% interest" car purchase ended up costing a couple thousands in additional Medicare premiums—all because of how the money was taken out. The goal here isn't to avoid taxes completely. It's to think more intentionally about when you deal with them, and how those decisions fit into your overall plan. Because it's not just about getting money out—it's about getting it out the right way.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

A simple tax question turns into a bigger realization: even if you don't owe income tax, you can still owe thousands in self-employment tax. Brian and Alex break down why a new graduate's tax bill didn't disappear after the standard deduction—and how Social Security and Medicare taxes quietly hit 1099 income at ~15%, catching a lot of people off guard. They shift into the real math behind Social Security—how a system that started at 1% contributions grew to over 15%, why it's under pressure, and what would actually have to change to keep it functioning. They challenge common fears around "running out of money" while explaining why the system is more likely to be altered than disappear. The duo also tackles concentrated stock risk, using a long-term Micron example to illustrate the tension between holding winners and having a plan to exit. A standout segment features a recent widow navigating retirement with limited assets, raising key questions around survivor benefits, Social Security timing, and turning $250K into sustainable income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

  Most people don't have a money problem—they have a follow-through problem. Brian Wiley and Jeremiah Bates use real-life case studies, including a massive estate mess left behind by Brian's own father, to show why DIY financial planning often leads to incomplete or broken outcomes—especially when trusts aren't properly funded or plans aren't kept up to date. The conversation goes into estate planning mechanics, breaking down how wills vs. trusts actually work, why co-trustee structures can create logistical nightmares, and how poor coordination leads to delays, legal headaches, and family tension (even when intentions were good). The guys also covers actionable planning topics, including when to pay off student debt versus investing, how to think through competing financial priorities, and a detailed listener question on using IRA funds to fund an HSA—highlighting rollover rules, contribution limits, and tax implications.  Plus, a key question for business owners: when it makes sense to move from a SIMPLE IRA to a 401(k), including higher contribution limits, added flexibility, and the real cost of compliance.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Guaranteed income is often seen as the goal in retirement, but it comes with trade-offs that many investors don't fully understand. This podcast breaks down what you're actually giving up when you exchange a lump sum for a fixed income stream. While guaranteed income can provide predictability and peace of mind, it often comes at the cost of flexibility, control, liquidity, and long-term planning opportunities. Nic walks through how these decisions impact your ability to adapt to life changes, manage taxes, respond to market opportunities, and leave assets to heirs. He also explains why focusing only on the income amount can lead to oversimplified decisions with long-term consequences. It isn't about whether guaranteed income is good or bad—it's about understanding the trade-offs and making sure the decision fits into a broader financial plan.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

A volatile stretch tied to the Iran conflict quickly reversed last week, giving us a real-time example of how fast markets can swing and why reacting to short-term headlines can backfire. Jeremiah and Alex tackle listener questions, starting with whether apps like Acorns are a legitimate way to build wealth and leave money behind for family. That conversation turns into a deeper look at estate planning basics, including when simple tools like transfer-on-death designations work—and when they fall short. A standout segment features a real listener story about naming multiple co-trustees, which led to months of delays, bank complications, and family tension. The hosts break down why this happens and how to avoid it. Finally, the episode dives into retirement income planning, specifically whether lifetime income annuities belong in the "income bucket," and the trade-offs between guaranteed income and losing flexibility.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

If you have one, choosing between a pension lump sum and monthly income may seem simple, but it's one of the most important financial decisions you'll make in retirement. Nic breaks down the key differences between taking a guaranteed monthly pension and opting for a lump sum payout. While many people approach this decision based on whether they "need income," Nic explains why that thinking often falls short. From investment responsibility and market risk to tax flexibility and long-term income planning, both options come with trade-offs that extend far beyond the initial decision. He also highlights factors many people overlook, including how income behaves over time, the impact on a surviving spouse, and how taxes can play a significant role depending on which path you choose. And the right answer depends on how this choice fits into your overall financial strategy.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

With tax deadlines approaching, we talk about the real-world complexity of Roth conversions—starting with a detailed caller scenario that highlights how confusing the rules can actually be. Brian and Jeremiah walk through how taxes are paid on conversions, when estimated payments are required, and unpack lesser-known strategies like the "withhold and replace" approach and the 60-day rollover rule. The show also covers a second caller navigating a pension lump sum, breaking down rollover options, how to access funds without unnecessary penalties, and strategies like 72(t) distributions. Along the way, the hosts explain why even simple financial decisions can become complicated when taxes are involved, and why many advisors fall short when it comes to coordinating tax strategy with investment planning. Financial planning isn't just about what you do—it's about how and when you do it, especially when taxes are involved.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Many investors believe they have a financial plan. When in reality, they simply have an investment account... Nic Daniels and Alex Lundgren break down the critical difference between investment management and true financial planning. While investment management focuses on selecting funds and tracking performance, real planning goes much deeper—covering tax strategy, retirement income, risk management, estate coordination, and life transitions. They discuss common scenarios where portfolios have grown successfully over time, but clients lack a clear plan for how to turn those assets into sustainable income. From tax-efficient withdrawal strategies and Roth conversions to planning for market volatility and major life events, this episode highlights what should actually be part of the conversation. They also outline key red flags that may indicate you're not receiving real financial planning—and what proactive, comprehensive planning should feel like. Because growing your money is only part of the equation!   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Nic Daniels & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Robert “Robik” Samborsky, founder of Apollon Nutrition and owner of the legendary Apollon Gym in Edison, New Jersey, has been one of the most authentic voices in the hardcore supplement space for over a decade. Most fans know the products. Fewer know the man behind them. Episode #211 of the PricePlow Podcast fixes that. Robik traces his full origin story from Soviet-era western Ukraine through Israel, South Africa, and New York, covering Lee Strasberg Theatre acting school, a decade of competitive Muay Thai including a title fight at Bangla Stadium in Thailand, and a gym purchase made with maxed-out credit cards. From there, the conversation moves through Apollon Nutrition’s founding while working with NutraBio’s Mark Glazier to utilize their manufacturing, then gets into the brand’s formulation philosophy (clinical-plus dosing, full label transparency, no kitchen sinks), and a full walkthrough of the current product lineup. Robik also drops the first public spoiler for Hooligan V8 and outlines everything Apollon has planned for 2026. Subscribe to the PricePlow Podcast on your favorite platform and sign up for Apollon Nutrition alerts on PricePlow before diving in. https://blog.priceplow.com/podcast/robert-samborsky-apollon-nutrition-211 Video: Robik Samborsky on Apollon Nutrition, Hooligan V8, and the 2026 Product Roadmap https://www.youtube.com/watch?v=OkRqoD6iqi8 Detailed Show Notes: Robik Samborsky on Apollon Nutrition’s Origin, Philosophy, and 2026 Plans (0:00) – Introductions (2:30) – Growing Up in Soviet Ukraine (5:00) – A Humanitarian Trip to Ukraine in 2022 (7:30) – America, Lee Strasberg, and a Fitness Pivot (10:00) – NPC Judging and the Road to Muay Thai (12:30) – Fighting in Thailand: Bangla Stadium (13:30) – How Robik Became Owner of Apollon Gym (18:00) – Marina: Competitor, PharmD, and Co-Architect of Apollon’s Health Line (22:15) – Apollon Nutrition is Born (29:30) – 50/50 Formula-X and the Genesis of Hooligan (32:15) – The 600mg Controversy and a 700mg Spite Version (34:15) – The Science of High-Dose Caffeine and the 20/40 Serving Model (42:00) – What “Hardcore Premium” Actually Means (50:00) – The F*** Mediocre Story: 4,200mg NO3-T and Ron Kramer (53:15) – Formulation: Clinical-Plus Dosing and Who Robik Trusts (54:30) – Margins, D2C Growth, and International Markets (1:01:00) – Content Creators and Marketing Evolution (1:04:00) – The NutraBio Manufacturing Origin: 50 Units at $18 Each (1:07:15) – The Six-Egg Rule: Dosing Philosophy in Practice (1:13:30) – Hooligan’s Two-Year Refresh Cycle and the Theobromine Revelation (1:17:00) – Hooligan vs. Assassin: Two Different Experiences (1:22:30) – Robik’s Personal Daily Stack (1:25:00) – Sharp Coffee and Slept-On Products (1:29:15) – GlucoVantage and the Case for Standalone Simplicity (1:31:45) – Casanova: From Limited Edition to Permanent Lineup (1:34:15) – 2026 Product Roadmap Where to Follow and Learn More Connect with Robik Samborsky and Apollon Nutrition … Read more on the PricePlow Blog

With markets entering correction territory, Brian and Jeremiah break down what recent volatility actually means and how investors should respond without making emotional mistakes. They explain how rising oil prices, inflation expectations, and interest rate uncertainty are driving market swings, and why having a strategy in place matters more than reacting to headlines. The conversation then shifts into actionable tax and investment planning. The guys walk through strategies like tax-loss harvesting, managing concentrated stock positions, and why reducing taxes can be just as impactful as chasing higher returns. They also highlight commonly missed opportunities, including properly funding HSAs and coordinating tax decisions with your overall investment strategy. A key segment focuses on what investors should expect from a financial advisor. After a caller shares frustration with being pushed off to a CPA, the hosts explain why true fiduciary advice should include tax-aware planning, guidance on Roth conversions, Social Security timing, and a fully coordinated strategy—not just investment management.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Fluent Fiction - Norwegian: Journey to Delfi: Finding Inner Wisdom on Ancient Paths Find the full episode transcript, vocabulary words, and more:fluentfiction.com/no/episode/2026-03-30-22-34-01-no Story Transcript:No: Det var vår, og verden var kledd i et teppe av villblomster.En: It was spring, and the world was dressed in a blanket of wildflowers.No: Solen kastet et gyllent lys over det frodige landskapet i antikkens Hellas.En: The sun cast a golden light over the lush landscape of ancient Greece.No: På en sti mot Orakelet i Delfi gikk tre reisende, styrt av ulike mål, men forent av reisen.En: On a path toward the Oracle at Delfi, three travelers walked, driven by different goals, but united by the journey.No: Sigrid gikk foran.En: Sigrid walked in front.No: Hun var bestemt og praktisk.En: She was determined and practical.No: Hun hadde en personlig avgjørelse å ta, og visdommen til Orakelet skulle gi henne svarene hun trengte.En: She had a personal decision to make, and the wisdom of the Oracle would give her the answers she needed.No: Bak Sigrid fulgte Lars.En: Behind Sigrid followed Lars.No: Han var full av eventyrlyst, drømmende om inspirasjon og nye oppdagelser.En: He was full of adventure, dreaming of inspiration and new discoveries.No: Elin gikk sist.En: Elin walked last.No: Hun var dypttenkende, tappet inn i livets store spørsmål, håpet å finne mening med det hele.En: She was deep in thought, tapped into life's big questions, hoping to find meaning in it all.No: Stien var kronglete og landskapet krevende.En: The path was winding and the landscape challenging.No: De passerte oliventrær og trampe stier som vindet seg gjennom de grønne åsene.En: They passed olive trees and trampled paths that wound through the green hills.No: Målet var Delfi, stedet hvor Apollon talte gjennom sin Orakel.En: The destination was Delfi, the place where Apollon spoke through his Oracle.No: "Se", utbrøt Lars og pekte mot en klar blå himmel.En: "Look," exclaimed Lars, pointing toward a clear blue sky.No: En flokk fugler fløy i en perfekt formasjon.En: A flock of birds flew in a perfect formation.No: "Det er som en tegning," lo han.En: "It's like a drawing," he laughed.No: Sigrid smilte.En: Sigrid smiled.No: Hun var takknemlig for hans lettsinn, men tankene hennes var langt borte.En: She was grateful for his lightheartedness, but her thoughts were far away.No: Hun grublet over sitt dilemma og hva Orakelet ville fortelle henne.En: She pondered her dilemma and what the Oracle would tell her.No: Da de endelig nådde Delfi, var de utslitte, men håpefulle.En: When they finally reached Delfi, they were exhausted, but hopeful.No: Ruinene lå spredt utover landskapet, suset av eldgamle historier hang i luften.En: The ruins lay scattered across the landscape, the whisper of ancient stories hung in the air.No: Sigrid gikk frem mot Orakelets tempel.En: Sigrid moved forward toward the Oracle's temple.No: Inne ventet prestinnen, kledd i hvitt, omgitt av duften fra røkelse.En: Inside awaited the priestess, dressed in white, surrounded by the scent of incense.No: "Hvilket spørsmål bringer deg hit?En: "What question brings you here?"No: " spurte prestinnen med en stemme som virket å komme fra selve klippene rundt dem.En: asked the priestess with a voice that seemed to come from the very rocks around them.No: Sigrid lukket øynene et øyeblikk, trekker pusten dypt.En: Sigrid closed her eyes for a moment, taking a deep breath.No: "Jeg søker veiledning i en viktig beslutning om min fremtid.En: "I seek guidance in an important decision about my future."No: "Prestinnen svarte kryptisk, "Følg strømmen av innsikt, men husk at svaret ligger inne i deg.En: The priestess answered cryptically, "Follow the flow of insight, but remember that the answer lies within you."No: "Sigrid kjente en blanding av lettelse og forvirring.En: Sigrid felt a mix of relief and confusion.No: Kunne dette vage svaret virkelig hjelpe henne?En: Could this vague answer really help her?No: På veien hjem var gruppen stille, dypt i egne tanker.En: On the way home, the group was silent, deep in their own thoughts.No: Lars pratet litt om det fantastiske eventyret, men Sigrid lyttet knapt.En: Lars talked a bit about the fantastic adventure, but Sigrid scarcely listened.No: Elin så ut i horisonten, et stille smil om munnen.En: Elin looked out to the horizon, a quiet smile on her face.No: Da de nærmet seg hjemmet, kom Sigrid til en forståelse.En: As they approached home, Sigrid came to a realization.No: Reisen hadde gitt henne mer enn alle svarene Orakelet kunne gi.En: The journey had given her more than all the answers the Oracle could provide.No: Den hadde lært henne noe viktig: å stole på seg selv.En: It had taught her something important: to trust herself.No: Og slik vendte de tre vennene tilbake, hver med sine gaver fra Delfi.En: And so the three friends returned, each with their gifts from Delfi.No: Sigrid var endret.En: Sigrid was changed.No: Hun var nå tryggere, klar til å ta sine egne valg.En: She was now more confident, ready to make her own choices.No: Hun skjønte at visdommen, den sanne visdommen, alltid hadde vært hennes å finne.En: She realized that the wisdom, the true wisdom, had always been hers to find. Vocabulary Words:ancient: antikkensOracle: Orakeletdetermined: bestemtpersonal: personliginspiration: inspirasjondiscovery: oppdagelserwinding: krongletechallenging: krevendedestination: målexclaim: utbrøtgrateful: takknemligdilemma: dilemmaruins: ruinerscattered: spredtwhisper: susetpriestess: prestinnenincense: røkelseguidance: veiledningcryptically: kryptiskinsight: innsiktrelief: lettelsevague: vagahorizon: horisontenrealization: forståelseconfident: tryggeretrust: stolewisdom: visdommenlightheartedness: lettsinnfamiliar: kjentancient: eldgamle

Most couples assume taxes will decrease when one spouse passes away, but in many cases, the opposite happens. In this podcast, Nic focuses on the often-overlooked "Widow's Tax Penalty" and why it can create a significant tax burden for surviving spouses. When filing status shifts from married filing jointly to single, tax brackets shrink—often resulting in higher taxes on similar or even reduced income. Nic explains how income sources like IRAs, Required Minimum Distributions (RMDs), and certain pensions may remain unchanged, while Social Security benefits are reduced. This combination can create what's known as "tax compression," where the surviving spouse faces higher tax rates and potentially increased Medicare premiums due to IRMAA thresholds. More importantly, this is why planning must occur while both spouses are still alive. From Roth conversions to asset location strategies, proactive planning can help reduce future tax burdens and protect long-term income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

As markets flirt with correction territory and geopolitical tension continues to drive uncertainty around oil, inflation, and interest rates, Brian and Jeremiah focus on what investors should actually do when volatility rises. Rather than reacting to headlines, they explain why market pullbacks create opportunities—from tax-loss harvesting to strategic gifting—and how disciplined planning can turn short-term declines into long-term advantages. The show then shifts into practical, real-world financial planning conversations. The hosts walk through how to handle inheritances, including what happens to debt, how probate works, and why some assets may need to be liquidated despite emotional attachment. They also highlight lesser-known strategies like gifting appreciated stock, charitable giving for tax efficiency, and using HSAs more effectively. In Hour 2, the conversation returns to fundamentals, breaking down retirement accounts like traditional IRAs and Roth IRAs in simple terms. How they're taxed, when contributions make sense, and how to use them to reduce taxes today while planning for future income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

With oil prices pushing above $100 amid escalating Middle East tensions, Brian Wiley and Jeremiah Bates open the show by breaking down what geopolitical shocks can mean for markets, inflation, and investor sentiment. They discuss more about how headlines surrounding energy prices and global conflict can amplify volatility, but also explain why long-term investors should focus more on portfolio structure and diversification rather than reacting emotionally to short-term news cycles. The conversation then shifts into deeper retirement planning strategy. Using real-world experiences, the guys walk through Roth conversion planning, including how investors with large IRA balances should think about converting money over several years to manage future taxes and required minimum distributions. They explore the trade-offs between converting aggressively versus managing tax brackets, how those decisions interact with Social Security timing, and why planning for unknown life expectancy makes retirement strategy more complex than simple math. Brian and Jeremiah also touch on broader financial planning topics including market volatility, inflation expectations, estate planning considerations, and the importance of having a coordinated strategy across taxes, investments, and retirement income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Long-term care is one of the biggest financial risks retirees face... yet it's rarely discussed until a crisis happens. In this podcast hosted by Nic Daniels, he explains what long-term care actually is, why it can be so expensive, and the common misconceptions surrounding who pays for it. Many retirees assume Medicare will cover these costs, but in reality most long-term care expenses must be paid out of pocket unless someone qualifies for Medicaid after depleting much of their assets. Nic walks through the different ways families approach this challenge, including self-funding care, traditional long-term care insurance, and newer hybrid strategies that combine life insurance with long-term care benefits. Plus, why timing matters when exploring insurance options and why many people wait until it's too late. Most importantly, this episode highlights the family and emotional considerations behind long-term care planning—because without a plan, the burden often falls on spouses or adult children.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

A surge in oil prices following escalating tensions between the U.S., Israel, and Iran sent energy markets sharply higher, raising new questions about inflation, interest rates, and how investors should respond. Jeremiah Bates and Alex Lundgren break down what a 35% spike in oil could mean for gas prices, consumer spending, and Federal Reserve policy, while explaining why reacting emotionally to geopolitical headlines can lead investors into costly mistakes. They discuss how markets historically digest global conflicts, why short-term volatility doesn't necessarily change long-term strategy, and how proper portfolio structure and liquidity planning can help investors avoid panic decisions during uncertain periods. The show also dives into timely tax-season issues investors should watch closely. Jeremiah and Alex explain why 1099 forms aren't always correct, common errors involving Roth conversions and IRA distributions, and why Form 8606 is critical for documenting nondeductible IRA contributions. They also discuss refund delays tied to new tax law implementation, how HSA contributions can still reduce taxable income before the filing deadline, and what self-employed investors need to know about solo 401(k) reporting requirements.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————