Podcasts about CPA

If Your Law Firm Google Ads Are Working, Don't Make This Mistake If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

Law Firm Client Expenses Should NOT Hit Your P&L If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

On today's episode, Dr. Mark Costes sits down with John Briggs, a CPA, author, and founder of a 280-person tax firm who is challenging the toxic hustle culture mindset. John shares how a personal wake-up call led him to rethink the way we define success, and how his innovative 3.3 Rule—three hours of focused work followed by a 30% recovery break—can transform your productivity and personal life.   They also dive deep into small business tax planning, audit survival tips, and the dangers of relying on unqualified social media tax advice. Plus, they break down real estate strategies, the power of having a personal board of advisors, and the long-term damage of dopamine addiction from always being "on." Whether you're in the grind or looking to reset your work-life rhythm, this episode is packed with tactical and philosophical gems. Be sure to check out the full episode from the Dentalpreneur Podcast! EPISODE RESOURCES https://incitetax.com https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

Most owners work hard for money—few learn to make the tax code work hard for them. In this episode of Sharkpreneur, Seth Greene interviews Catrina M. Craft, a tax strategist and accountant who's advised business owners and previously learned elite tax strategy working with the wealthiest 2% of Americans. Creator of the CRAFT Money Map framework, Catrina specializes in turning reactive “tax season” chaos into proactive, year-round wealth strategy. She breaks down the KPIs that actually drive profitability, the entity and election decisions that matter, and timely plays like bonus depreciation, §179, and QBI that can free up cash to grow.   Key Takeaways: → Proactive vs. reactive taxes: what changes when strategy starts before year-end. → The five KPIs that matter: cash flow, profitability, A/R & A/P, LTV, and CAC—plus how to dashboard them. → The C.R.A.F.T. Money Map: Cash flow, Retirement, Asset management/protection, Financial freedom, and Tax strategies. → Entity structure ≠ paperwork: why LLC + the right tax election (S/C/partnership/sole prop) can swing your tax outcome. → When to hire a strategist: startup consults to avoid missteps; quarterly at ~$50k profit; monthly at ~$100k+.   Catrina M. Craft, CPA, CEO & Founder of Craft More Cash. "The tax code isn't fair — but that's your opportunity as a business owner.” This is the perspective Catrina Craft brings as the CPA and tax strategist behind some of the most profitable coaches, consultants, and creators in the industry. After climbing out of $100K in debt and losing 80% of her income overnight, she rebuilt her business by using the same advanced tax strategies and wealth-building tactics that the top 2% of the wealthiest rely on to protect and multiply their money. Now, she teaches her clients to do the same. Through her Craft Money MapTM system, she helps high-earning entrepreneurs cut taxes by 25% and boost profits by 20% — strategies most accountants won't even talk about. On the mic, Catrina pulls back the curtain on what the ultra-wealthy know: how proactive tax strategy lets you keep more, grow faster, and build real wealth. Listeners walk away with practical insights on entity structuring, overlooked deductions, and income planning that scales. Connect With Catrina: Website: https://www.catrinamcraft.com/ Instagram: https://www.instagram.com/catrinamcraft/ Facebook: https://www.facebook.com/catrinamcraft1/   Learn more about your ad choices. Visit megaphone.fm/adchoices

How Many Websites Should Your Law Firm Have If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

In this episode of Golf & Politics, Matt sits down with Stephen Carney, a former professional golfer who competed on PGA Tour Canada and PGA Tour Latin America, before stepping away from the game and rebuilding his life off the course. Stephen opens up about: Starting golf later than most elite players — and catching up fast Junior golf, college golf at the University of Tulsa, and the grind of mini-tours The brutal economics of professional golf The mental toll of Q-School, Monday qualifiers, and razor-thin margins Why great players don't always “make it” — and what actually separates those who do Walking away from pro golf, becoming a CPA, and regaining amateur status The controversy around former pros playing elite amateur events Mindset, pressure, meritocracy, and life after chasing the dream We also hit a fast-paced Shotgun 9 to close it out — covering politics, taxes, clutch shots, Oklahoma golf courses, and dream foursomes. This is an honest, unfiltered conversation about ambition, sacrifice, failure, and redefining success. Learn more about your ad choices. Visit megaphone.fm/adchoices

Top 5 Mistakes Wealthy Investors Must Avoid in 2026Start 2026 with the end in mind. If you earn $200k plus or you have a seven figure portfolio, a few avoidable mistakes can cost six or seven figures over a lifetime. In this episode Andrew Nida from Asset Management Group, Inc. breaks down the five mistakes wealthy investors must avoid in 2026 and how to align investments, taxes, and cash flow with the outcomes you actually want.Even high-income earners and retirees often make significant financial errors. This video addresses common mistakes that can cost hundreds of thousands of dollars, emphasizing the importance of effective financial planning. We discuss how coordinating cash flow, taxes, and risk is crucial for sound financial management, especially as tax planning strategies evolve.

As 2025 comes to a close, healthcare facilities leaders are reflecting on a year shaped by workforce pressure, operational challenges, and meaningful progress. In this year-end conversation, the Healthcare Facilities Network brings together facilities and HR leaders from across the country to examine what the past year revealed — and what it demands moving forward.This episode explores the workforce realities that surprised leaders, why supply chain challenges continue to impact day-to-day operations, and the lessons facilities teams are carrying into the future. The conversation also looks ahead to 2026, including how leaders are thinking about AI, intentional onboarding, and preparing teams for what's next in healthcare facilities management.Guests include:Facilities and HR leaders from UF Health, AdventHealth, Aramark Healthcare, CommonSpirit Health, and Saratoga Hospital.

In this Tax Section Odyssey podcast episode, the final in a three-part miniseries on reimagining firm ownership, April Walker, CPA, CGMA, is again joined by Adam Shay, CPA, a former firm owner turned business coach for accounting firm owners. This episode explores the personal and professional journeys that can follow selling a firm.  This candid conversation offers practical advice for firm owners and professionals navigating major transitions in their careers. What you'll learn from this episode:  The importance of prioritizing self-care Why it is normal to expect identity shifts Ways to rediscover your purpose How connecting with others who have experienced similar transitions can ease the journey  AICPA resources Reimagining firm ownership — Building and growing a modern practice | Tax Section Odyssey (episode 1 in the reimagining miniseries) Reimagining firm ownership - Selling smart in a changing environment | Tax Section Odyssey (episode 2 in the reimagining miniseries)   Engage365 Key considerations when selling a CPA practice PCPS Transforming Your Business Model Reimagining Your Tax Practice  

In this encore episode of 'Relentlessly Seeking Value,' host Stacey Richter revisits an inspiring conversation with Marilyn Bartlett, a CPA who transformed the State of Montana's employee health plan from a $9 million deficit to a $112 million surplus within three years.  Known for her fiscal discipline and patient-first approach, Marilyn shares her strategic steps, from identifying waste in the system and securing quick wins to negotiating better deals with hospitals and ensuring long-term success. She emphasizes the importance of assembling a strong team, maintaining transparency, and staying focused on the ultimate goal of creating real health value. This episode is a must-listen for anyone looking to drive meaningful change in the healthcare industry. === LINKS ===

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SponsorsDigits - https://uqb.promo/digits(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (02:31) - Deep Dive into Intuit Accountant Suite (07:57) - Home Screen and Client Management (18:15) - Client Insights and Custom Views (24:41) - Books Close Feature (33:58) - ProAdvisor Academy Enhancements (38:43) - Wrapping Up and Upcoming Classes LINKSMentions in episode:  Alicia's Reconciling class: http://royl.ws/Reconciling-In-QBO?affiliate=5393907Alicia's upcoming classes: 1099s in QBO, Jan 6: http://royl.ws/QBO1099?affiliate=5393907QBO Year-end Cleanup for Taxes, Jan 13: http://royl.ws/yearend?affiliate=539390  DanIntuit Accountant Suite: First Look - https://www.schoolofbookkeeping.com/blog/IASNewQBOA We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

Thanks to our partners Promotive and Wicked FileAre you leaving money on the table before the tax year closes?In this end-of-year episode of Business by the Numbers, Hunt Demarest, CPA with Paar Melis & Associates, walks through the essential tax moves shop owners must make before December 31st and the costly assumptions that lead many to overpay the IRS.From retirement contributions and HSA hacks to equipment purchases, inventory write-downs, and why your accounts receivable might be lying to you, Hunt explains how small oversights can snowball into massive tax bills. More importantly, he shows you exactly what to check, adjust, and document now to ensure you only pay what you owe and not a dollar more.If you've ever wondered whether to buy equipment before year-end, how to handle unpaid invoices, whether your payroll timing affects deductions, or how to set yourself up for a smoother tax season, this episode gives you the playbook.Ideal for shop owners, bookkeepers, and managers who want to tighten their financials, avoid costly mistakes, and maximize deductions before the year closes.What you'll discover…(02:10) The repetitive tax mistakes and how to avoid them(03:45) Why retirement contributions are Hunt's “favorite deduction.”(06:35) How much you can contribute to SIMPLE IRAs and 401(k)s before Dec. 31(09:25) Why Roth contributions don't reduce your taxes (and when to use them)(10:30) The HSA contribution rules and how they can reimburse old medical bills(14:05) HSA vs. FSA: The real difference and how not to lose your money(16:10) The truth about deducting equipment — cash vs. financing vs. leasing(18:30) Major building improvements you can now deduct in year one(19:40) How to structure employee gifts, bonuses, and reimbursements(22:30) Four big things to keep an eye on to ensure maximum savings(25:16) Accounts payable: how missing December bills inflate your taxes(28:00) The most overlooked deduction in high-interest years(29:00) The fastest way to speed up your tax return (and avoid April chaos)Thanks to our partner PromotiveIt's time to hire a superstar for your business; what a grind you have in front of you. Introducing Promotive, a full-service staffing solution for your shop. Promotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our Partner WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books Here:Wrenches to Write-OffsYour Perfect Shop The Automotive...

In this episode, Ashley sits down with Barbara Schreihans, an expert tax strategist who has helped our business save over six figures in taxes. They break down the simple, practical things every entrepreneur should know to keep more of their money. You'll learn:

Send us a textWhat if your year-end tax plan could do more than reduce your bill… and actually strengthen the future of independent pharmacy?In this episode of The Bottom Line Pharmacy Podcast, Bonnie Bond, CPA, and Austin Murray sit down with Sonja Pagniano of the NCPA Foundation to unpack how the Foundation supports pharmacy ownership, disaster recovery, and long-term sustainability for community pharmacies.We cover:- The origin story of the NCPA Foundation- Why public understanding of independent pharmacy is a key piece of independent pharmacy's future- The Rural Pharmacy Ownership Accelerator and what it means for “pharmacy deserts”- End-of-year planning strategies pharmacy owners should consider- And more!More About Our Guest:Sonja Pagniano, is the executive director of the NCPA Foundation. Sonja leads the foundation's strategic growth including the fundraising campaigns, marketing initiatives, as well as various other projects. Throughout her career Sonja has sought to strategically support the mission of philanthropic groups such as the NCPA Foundation. She most recently served as the development manager for the Center for Disaster Philanthropy, which helps donors maximize their impact on long-term recovery from disasters through expert resources, community-driven grantmaking and philanthropic consulting services.  Prior to this position, she worked at the College of Wooster's Advancement Division as the assistant director of annual giving, and as an associate planner at the Medina County Department of Planning Services and Fair Housing in Ohio.  Sonja received her Masters of Public Administration from Kent State University. She also holds a Certified Fund Raising Executive (CFRE) certification, so she is certified in the highest standards of ethics, competence, and service to the philanthropic sector. Stay connected with Sonja and the NCPA Foundation: Sonja Pagniano LinkedInNCPA Foundation Website NCPA Foundation YouTubeNCPA Foundation LinkedInNCPA Foundation FacebookStay connected with us on social media:FacebookTwitterLinkedInScotty Sykes – CPA, CFP® LinkedInMore on this topic:Podcast: NCPA 2025 RecapPodcast: Pioneering Solutions in Remote Territories

As 2025 winds down, Joe talks with Bob Doyle, president and CEO of MICPA, reflecting on the organization's past, present and what's ahead. They look back on a year focused on empowering members through advocacy, collaboration and education, discuss progress on an additional CPA licensure pathway, and look ahead to an inspiring 2026, including signature events and a milestone 125th anniversary celebration.

In this special episode of the Smart Lawyers Position to Transition Podcast, we're doing something a bit different. For the first time, our host Victoria Collier is pulling back the curtain on five specific, "hot and fresh" opportunities currently on the market. If you've been looking for a way to propel your law firm further and faster, this deep dive into five active estate planning listings is the perfect place to start. From the beaches of Hawaii to the rugged beauty of Alaska, Victoria breaks down the numbers, the lifestyle benefits, and the unique "unicorn" features of firms currently listed for sale through Quid Pro Quo. Whether you are a solo practitioner looking to scale, an associate ready to own your first practice, or a large firm seeking a strategic acquisition, this episode reveals what is actually available in the current marketplace.   Check Out Our Current Listings https://quidproquolaw.com/law-firm-listing/   About Victoria Collier Victoria Collier is a seasoned attorney, entrepreneur, and expert in law firm sales and valuations. With a background in law and accounting, including her prior military service and CPA training, she brings a unique perspective on the financial intricacies of business valuations. Victoria helps transform law firms into more valuable and sellable businesses, guiding attorneys through life after law.   We want to hear from you! You can leave us a rating and review in Apple Podcasts. Click here and then scroll down the page to the rating and review section. You can also leave us a rating in Spotify by clicking here. Connect with Victoria Collier https://quidproquolaw.com/ Private Facebook Group https://www.facebook.com/groups/1284225722042602 LinkedIn https://www.linkedin.com/company/victoria-collier-coaching/      

Kiera compares the stages of a business to the stages of the human life cycle, from the infancy of a startup, to the chaos of money flow without systems, to the growing profitability of early adulthood, and so on. The goal is, of course, to reach maturity, where the business can run on its own, there's work-life balance, money flow, and more. Kiera gives listeners the common factors for each "age group," and what needs to be done for practices to reach their prime. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera and I hope you are having an amazing day. I hope it's an epic day. I hope you're loving your life. I hope you're having just so much fun. ⁓ I love dentistry. I love podcasting. I love connecting with so many of you. I just met people this week that are Dental A Team fanatics and it's always fun. And it's funny on calls when I get to chat with you in real life, people are like, Kiera, you sound just like you do on the podcast. And I'm like, that's great because guess what? It is me.   So I am so excited to podcast with you guys today. Welcome. If you're new to Dental A Team podcast. Hello, I'm Kiera Dent. Dent really is my last name. And it's because I love all things dental. ⁓ I love my husband, even though he's not a dentist. ⁓ I love, I just love life. I love helping people. We had a, in our consulting, we have what we call our doctor mastermind. It's a doctor only mastermind and it's on ⁓ Tuesday, the first Tuesday of the month. And we call it Think Tank Tuesday for our doctor mastermind.   We had all of our doctors there this week and we had several doctors come. It was just a really, really fun time. And as I was sitting there, I tell everybody that this think tank is supposed to feel like you're sitting in my living room, hanging out with me. We're all just here having like a good time. I love to see there's one doctor pushing her daughter on a swing. There was another doctor making dinner. There's another doctor sitting at the office, another doctor driving home.   It truly is a like, let your hair down, come be, let's come hang out, let's all be together, let's all work together. Cause honestly, dentistry can be super hard and challenging. And ⁓ as I walked away from that, we were talking about the life cycle of a business and people were just talking about where they were and here's where I am and how do I get to the next phase of my business? What are some easy moves? And it was crazy because it's actually not that hard to move from one part of the business to the next part. ⁓ A lot of times it's just having somebody pointed out to you.   ⁓ giving you the confidence that you can do that. ⁓ And then having a group of people around you that are just like you. And as I walked out of that meeting and that just fun hangout time, there's always Kiera's after party, which is not recorded. It is Kiera unfiltered. I just thought, I'm so blessed to get to know these human beings, these people that we get to work alongside with, that we get to collaborate with. I get to see them go through all the phases of business from where they were to where they are.   working with us, get to see their production increase, I get to see their ROI ⁓ tenfold, I get to see how happy they are in life, I get to see when they were once stressed to where now they're exuberant and happy and fulfilled and that is why Dental A Team exists. That is why the podcast exists is because I want all of you to feel like you have ⁓ someone in your corner, someone who is rooting for you, someone who has answers where you feel like there are none, someone who sees the path more clearly than you can.   someone who's created a community of like-minded doctors that are either where you are or have been where you are and can help you get to the next step. We have doctors who mentor each other. have ⁓ masterminds in person. have where we come to your practice. So if you're listening to this podcast and you're feeling like, gosh, I just don't even know what to do. The answer is there's actually always the what's next to do. There's always somebody who can help you. It's just you having the courage to book the call to   ⁓ invest in your practice in yourself and decide that you're worth having the life and the practice that you know, you're capable of having. And so if that resonates with you, reach out, come join our doctor mastermind, come meet us in person, come hang out with me in real life. I would love to have you be a part of it. ⁓ my mission truly is to change people's lives. and that's luckily I get this amazing platform of dentistry. So, reach out, Hello@TheDentalATeam.com because honestly, I believe that it is so fun and so powerful. ⁓   to go from that. And so I teased out a little bit of a life cycle of a business. This came from Tony Robbins. I really love Tony. I love a lot of things that he teaches and ⁓ there's a lot of wisdom. so just to kind of to take this on for the podcast today, I feel like, hey, we talked about this in our Dr. Mastermind, but I think it'd be very beneficial for all of you to hear. And this is my adaptation of it to take it to dental offices and kind of then giving you some of the things that I see in a practice so you can kind of understand.   But basically we have kind of like think about the life cycle of human beings. It's where we start out as infancy. We're born into this world and then we're infants and then we're toddlers. And then we go into this like middle life, like middle school. And then we go into high school and then we go into young adults. So college or young adult. Then we go into maturity or our prime of our life. Then we go into this kind of midlife evaluation. That's right before we retire. Then we go into aging. Then we go into institutionalization and then we go to death.   So we think about how people go around and it's interesting because there could be say a 25 year old, 30 year old, 40 year old who actually could be on the aging path even though their age is not where you would think that they would be. And so the idea of this is to kind of look to see based on like a life cycle of us where your business is and what maybe is like the pain point. So when we look at a business and we look at like children, so an infant,   They're screaming, right? They're screaming all the time. Yes, they're alive. Yes, they're there, but they're screaming and they're hungry and they don't know how to make money and they always have all these problems and it just feels like it's problem after problem after problem. That's like when you first start a business and it is chaos and it is exuberant and it is blissful and it is terrifying. Like Tiff and I were actually joking about it when we were on our doctor mastermind and we were talking about how like Dental A Team when it was in its infancy stage.   I literally was paying Tiffanie via Venmo. I did not have any payroll set up. I don't know why Tiff stayed with me. So Spiffy Tiffy shout out to her today. ⁓ But I really truly was such a naive business owner. I did not have protocols. I did not have a lawyer. I didn't have HR. I just said, I want to be here in this world and put something together, but no processes, no systems. It was screaming mayhem all the time. And then you go from that infancy stage to toddler, right? Toddlers, they can sleep through the night.   They're more independent. They can reason on certain things, but they're not this middle schooler, right? ⁓ And so when we look at that toddler that like they're going to elementary school, they're kind of in that middle stage. This is now where a business has elevated. It's not like paying people via Venmo, ⁓ but you still don't have the cash flow to be able to hire great people. It's still this like very new. You probably have one or two people. Practices that are in this realm are more the   the startup phase. So startup is like your very infancy, whether you're buying it or if it's a scratch start or you already have it. But it's kind of that screaming and then you move into toddler where like we can afford like one or two people on our team. but maybe we're moonlighting at another practice. cash flow is not consistent. ⁓ Systems and processes are not in place. And it's really just in this like delicate, but more stable, like we're like, okay, we're not we're not gonna go broke.   We know we can kind of handle, but at the same time, cashflow is not there. Then you move into middle school and you think about a middle schooler. This is where like we're starting to hit production. We can kind of have a few team members in there. We kind of maybe have a little bit of money, but not quite. ⁓ And we're starting to get a little more established, but we're like very gangly. We're very awkward. ⁓ We're doing the dentistry, but we're still, we're still not quite making it. And so from there, when we move from there,   You didn't go into a teenager and you think about a teenager, they think they know what they're doing. They've got the keys to the car. And this is where you've got money, but you're blowing through it because you have no systems, no processes. Like you are mayhem. Like you're making the money, but you're not keeping the money. And you're running on all four cylinders. But it's just chaos. It's wild. There's a frenzy. There's an excitement. And I think when Dental A Team was in that phase,   We had a little bit of money and so we were hiring people, but we didn't have quite enough money so we're not hiring experts quite yet. And you can just feel there's like this teenage energy and ⁓ then you move into like young adult and young adults were like perfect. The company is making money. We're able to hire more experienced people. So like we can bring on an office manager. We can bring on a better hygienist. We can have more things in place. And then we go into this like maturity and maturity and prime are where we're.   Profitable, we've got the production, we've got the systems in place. have a leadership team that's running the practice. It's not all dependent upon the dentist or one or two people. We've got the systems in place, we've got the profit in place, we've got the production in place. And a lot of times that happens when people are in this maturity or this prime, they're hanging out right there. What they often do is this is when they wanna buy another practice. Sometimes they even wanna buy a practice when they're in toddler, teenager, or like that college mid-year. But they're really just...   this is when they do it. And what happens is when you buy a practice or you expand your practice or you any of the phases, then you actually like usually kick yourself down and you go back to either toddler or maybe middle schooler or high schooler and your business like re re fumbles. There was a practice that I was working with and they're like, Kiera, we have this great opportunity. I worked with them for a year and we got everything set. The doctor was like, I'm tired of having to run it all. So they were like kind of in that   probably more at that mid year, they were probably college age. So the practice was great. They were profitable, but the doctor was still doing everything. And the doctor was just like, I don't want to do this anymore. I need you to train my team. I need you to train all the people so that way I can just come be a dentist and truly own my business, which kicks you into that maturity and prime. So we worked together. We were able to train the team. We were able to train the doctor. We did leadership training. We trained the whole team. We put systems into place that they didn't realize. And the doctor like literally we got them into prime like   It was incredible. It took us about a year to get them there. And they're like, Kiera, it's great. Cause I was thinking like, we're wrapped up. put a bow on this. I'm super excited for you guys. And the doctor was like, Kiera, guess what? There's this awesome opportunity for another practice. Do you think we should buy it? And I tell you, when people get into this like prime, like they're in it, they've, they've, they reached the mountain. They're like, we should buy another practice. And I was like, well, so here's the deal.   your kids have gone off to college. That's where your practice is right now. Like you're sitting here, you're very happy, you're very comfortable. Life is very easy for you. And buying another practice is going to be literally bringing on a screaming brand new, like brand brand new infant baby. Do you want to do that? And the doctor was like, that's a good point. ⁓ Let me think about that. And they're like, here, the deal is just too good of a deal. And honestly, if I was in their shoes, I would have done the same thing. The practice was truly a, you should take it and do it.   And then what happened, we flew all the way back down into toddler. Like we didn't go quite back to infancy, but oh my gosh, like the practices started screaming and both practices started struggling. And all these little pieces came up because we went from having this mature, we're in prime, our life is really easy to bringing on this screaming baby. And all of a sudden everything started jostling, the leadership team got jostly. We were bringing in different partners and lo and behold, two, three years later, we finally now gotten the practices.   they're right around teenager, maybe young adult for both locations and guess what they want to do? You guess it, they want to buy another practice. And this tends to be the cycle of dentistry. ⁓ Or what actually can happen is we go from prime and then we actually can go into midlife evaluation. And what happens here is when doctors are considering like, do I want to sell? Do I want to keep sitting in the chair? Maybe we're ⁓ not, not purposely, but maybe we are not diagnosing as much as we used to. Maybe we don't want to go to the CEs. Maybe we don't want to do all these other pieces. And you start to get into this midlife. And if you're not careful and you don't   get the CE or get a younger associate or whatever it is to kick you back over or bring in different team members, you can actually then fall into aging and become this aging practice that ⁓ if you're not careful, will actually die off. ⁓ And that's what we call sleeping practices. New grads love to buy aging practices, but then what can also happen is your team members might also be at a different space on the life cycle than you are. So sometimes when you inherit this sleeping practice as a new owner, well, you might.   inherit a team that also is maybe a little bit sleepy too where they're like I'm on my way to retirement, I don't want to be putting in all this new technology, I don't want to do all this software, I don't want to do all these changes or that team might be like sweet and they got kicked back just like someone in their 50s can be like you know I'm gonna go run a marathon and they kick them back into that maturity, that prime or they're in their 60s or they're 65 like my mom she went back to college, my mom was on her path to aging and she went back to college later on in life, she became   She got her master's degree and she started working a job. You better believe that pushed her all the way back over into like teenager. Like she had no clue what she was doing, but she flipped herself back over and, and added more of that energy back into her life. And so all of us, what I was trying to explain through all this is just because you're at one space in the life cycle does not mean that you're forever on the trajectory up and over the curve. It's like a bell curve. ⁓ what we're trying to aim for on whichever side of the bell curve, whether we're on the young toddler or we're on the more aging headed towards institutional.   is our goal is to keep our businesses keep pivoting towards that prime, that maturity, that middle spot where the business is running without us, it's profitable, we're able to have all the time, the work-life balance that we wanna have. And so when you're looking at this, the questions are one, where are you personally on the life cycle of the business and yourself? Are you a new owner? Are you a seasoned owner? Where do you fall on that? Where is your practice through all this?   And then where is your team through all of this? And then assessing based on all those factors, what needs to happen to get you closer to that like middle section where we were striving for that's the prime and where is it? And what do you need to do to get back there? So a couple of scenarios were like a doctor is struggling, they're exhausted, they're burnt out, they're doing all the work and like, what should they be doing? They're producing well, they've got hygienists there, but they're exhausted. They're working like five days a week, just exhausted.   Like what can this person do? And so the questions are, where is this person on the life cycle? This person could be in teenager where they're just exhausted because they're doing it all. They also could be over on midlife evaluation where they're doing it all. Both can actually be true, depending upon the practice and where they're at. And there is no science to this. like, okay, if you have XYZ, then you fall here. Like this is more for you to assess. ⁓ And when I look at this and I think about it, ⁓ options for this practice are hiring an associate would be amazing. That would kick them into prime.   It will also kick them down into the screaming if they don't have the systems in place. But what it will do is it will add some energy. You could also add in team members and no more than you do because you've got the money, you've got the flow. You could bring on a consultant that can help you get to the next level. You could actually add on extra days. You don't have to necessarily work it, but it's what can I do to get myself to this prime where I'm profitable? I'm producing what I want. I'm working the hours that I want. I'm innovating the practice. My team is aligned. My team is running the practice. I'm not staying here.   till super, super late every single night. I have my family life that's ideal for me. That's what we're aiming for. That's what we're striving for in consulting and working with our clients. This is what I obsessed about is how can we get more clients to their sweet spot? That's when I say like living their dream life when I walk it and I see people that have gotten there. That's what I mean by this, like maturity, this prime. Like I remember my CPA told me ⁓ once he said, Kiera, it actually gets a lot easier later on in life. He's like, because   then like you bought the house, you bought the cars, like whatever it is that you were striving for, and then money becomes easier. And I was like, you are a liar. There's no way this is gonna happen. And then you meet people and they really are there and they're comfortable and they walk with ease. And there's just this like, I don't know this calm about them, but they're still very energetic. They still have a lot of things that they wanted to, but I think the frantic energy of the young or the exhausted energy of the aging doesn't exist.   It's more this centered calm, knowing, doing things on purpose and intentional rather than reactionary. It's a very, very different space. And so like that's our obsession is getting offices to that space. And so for you to assess and to diagnose, where are you? And what's fascinating to me that I often find is sometimes the dentist is actually the problem. There was a dentist that I was chatting with and this doctor refuses to delegate. And I'm like, so great. You've actually accidentally pushed your practice into almost aging.   because you're not willing to delegate. And then also you're not willing to hire people that are smarter and more equipped. You're sitting here having very inexperienced team members that don't know what they're doing, making lots of mistakes. So therefore you don't trust anybody because you haven't spent the money to hire the people that you need to hire to bring in that energy and that structure and that leadership. Instead, you're trying to do it all yourself plus be the dentist. Like you have actually not like kept yourself younger. You've actually   aged your practice accidentally to where if you're not careful, it will actually age and deteriorate into death. And so I think also being self-aware of where you are, ⁓ I think being cognitive and what's really awesome is once you know where you are, once you know where your team is, once you know where your business is, then instantly the diagnosis becomes very easy of what you need to do and what the next step is. But I think oftentimes easy and doing are not the same thing.   I think oftentimes we say, my gosh, this is so easy, but that doesn't mean that I want to do it or that I'm going to do it or that I'm going to follow through on it. I think so many times people get stuck and they're just like, either A, I'm not willing to accept what I need to do or B, I don't know what I need to do or C, I'm not willing to acknowledge what I know I need to do and actually do it. And so if I look at all of this, I think this is a fun assessment for you to look to see like what, where am I on the life cycle of the business? What do I need to do to progress to the next level?   And am I willing to do that? Or do I need somebody to push me along? I will say sitting in a business myself, I have hired different people. I have realized when the business has outgrown me, we just had a meeting with our team and I said, guys, like the great news is we have grown, we've evolved and our mission is to positively impact the world of dentistry in the greatest way possible and to serve more offices. And I can't do that with the knowledge that I have today. I need someone smarter than me that knows how to run systems on a different level.   I can do it for dental offices all day long, but a corporate business that's evolving, I don't know how to do that. Do I know how to like program HubSpot? The answer is a hard pass. No, I do not even know what that thing should do. I've never worked in an industry that's done that. I need someone smarter than me. And so we bring those people in and what's beautiful is it's scary and it's daunting, but it is magical because I know that this is the next phase to get us to where we actually want to go and to be in those optimal spaces.   Again, you're not always on the upward path we're always working towards and certain decisions will actually push us back down. Sometimes personal decisions, sometimes business decisions, sometimes things outside of our control, like we lose key team members or we have unexpected life events. Those can move us in this space a lot differently. So really it's a matter of where are we today and where do we want to be and how can we get closer to that destination today? And that's something I love. And hopefully today you took an assessment on yourself. Hopefully you diagnosed where you were.   And hopefully you realize that the answer is not too far away from where you want it to be. Or maybe you're like, Kiera, I absolutely don't know. Well, great. Reach out. Hello@TheDentalATeam.com or go to our website, TheDentalATeam.com. Click on the book of call. And I will definitely happily chat with you and help you see where are you at and what's your next step and how we, or you can do it on your own can help you. But the answer is you're worth it. You deserve it. You deserve to be in that maturity prime optimized space of your life where there's calm, not chaos, where there's fun and joy rather than.   ⁓ the worry all the time. And again, no stage is permanent. None of them are. Everything is temporary. Everything only lasts for so long, but it's how can we make it last longer in the space we want to be rather than it deteriorating or not accelerating or crushing us before it even has a chance to begin. And that's something that I really love doing. So if we can help you at all, reach out Hello@TheDentalATeam.com. ⁓   Definitely so obsessed with making sure that you as a human being are taken care of, that you feel like there's someone championing for you and helping you out and making sure that you are taken care of. So reach out. ⁓ And if not, make sure you assess where you are and be committed to taking the next step. Great things truly never come from comfort zones. So get off that comfort zone, push yourself to the next level and know that ⁓ patience, teams, your life, your family, all of that's worth it. And you.   especially are worth it. And as always guys, I just adore you. I hope you have an amazing day today. And as always, thanks for listening and I'll catch you next time on the Dental A Team Podcast.  

This week we bring Ryan Bakke back on the podcast AGAIN (I'm losing count but I think this was round 5?!). Ryan is a CPA who specializes in real estate tax strategy, and this week I BEGGED him to come back and talk to me about how to invest in real estate through retirement accounts. Plot twist–this was totally a selfish move on my part, as I've been youtubing my way down the rabbit hole looking for these answers for myself. I figured it was time to go straight to the source with Ryan. In this episode, you can expect me grilling Ryan about: Why invest in RE through a retirement account? Pros and cons of investing this way How to actually invest via retirement account (without incurring the 10% penalty!) Self-directed IRAs vs Solo401Ks  How much should someone invest through their retirement accounts (vs just investing through personal funds)? Should you establish an LLC or trust before investing in RE? This episode really only scratched the surface, so if you have more questions for Ryan, make sure to join his online community here. P.S. Has this episode inspired you to do more with your retirement accounts?! Invest with us! We're looking for 1-3 more partners on a luxury STR in Upstate NY. If interested, fill out this form and I'll send you more info right away. Thank you to our sponsor Lodgify – Take 20% off Lodgify's most powerful plans with code novacancy20! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textDo you really have your tax planning handled? The thing is, many business owners are making a critical mistake that will become even more expensive by 2026.In this episode, Mike Jesowshek, CPA, sits down with Mark J. Kohler to expose the biggest tax planning failure business owners make. Confusing knowing strategies with actually applying them. Mark explains why tax savings disappear at the implementation level, how poor execution creates long-term consequences, and why retirement accounts are one of the most overlooked areas where this mistake shows up.

Spouse on law firm payroll supercharged tax strategy. If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

Get your FREE 7 Pricing Essentials for CPAs and EAs here:https://geraldinecarter.com/7Still think the safest move is squeezing in more clients and chasing bigger numbers? The numbers will never fix money worry – thinking differently will.In this episode, hear Peak Freedom's resident mindset coach Natalie Hunt unpack beliefs driving overwork: more-is-better, don't-leave-money-on-the-table, guilt over pricing, fear of being “greedy.” Learn to redefine success, spot “can't” stories, price to value, and say no without spiraling. Walk away with practical reframes to create time, calm, and profit – on purpose and it ways that actually stick.…Link to full shownotes: https://www.businessstrategyforcpas.com/377…Want Pricing Essentials?If you feel trapped by your own accounting firm, it's not because of the work – it's how you've priced the work. Too many accountants are stuck in undercharging, overdelivering, and people-pleasing cycles. Break the pattern with my short PDF guide: 7 Pricing Essentials »It's free and you can read it in 5 minutes.I want to help you get your prices up without losing loyal clients.  …Want client interviews?310 From Exhausted to Having Her Life Back: Wendy Norman, CPA304 From 55 Down to 15 Hours; Same Take-Home Pay with Melissa Downs, EA293 What it Takes to Work 15 Hours per Week with Erica Goode, CPAComplete list:geraldinecarter.com/client-interview-episodes…Connect with Natalie:https://www.simplylovingleadership.com/…FOUR ways I help overworked CPAs go down to 40 hours without losing revenue or hiring:THE EMAIL COURSE – Freegeraldinecarter.com/stop-working-weekendsStop Working Weekends will teach you how to reduce your hours without giving up revenue. THE BOOK – $9.99geraldinecarter.com/bookDown to 40 Hours – A Roadmap for CPAs to End Overworking Without Losing RevenuePEAK FREEDOM COMMUNITY – $197/mogeraldinecarter.com/peak-freedomFor solo and small accounting firm owners who want to rise above the insanity of hustle-cultureDOWN TO 40 HOURS ACCELERATOR – $995/mogeraldinecarter.com/40For the overworked CPA at multiple six figures of revenue who is ready to stop working weekends, wants to implement overdue changes, and doesn't want to do it alone. You'll make progress faster and with more confidence. … Get your FREE 7 Pricing Essentials for CPAs and EAs here:https://geraldinecarter.com/7

Jeremy Keil explains the top 3 tax efficient strategies for charitable giving in 2025. Most people give to charity because it's meaningful to them — not because of the tax break. And that's the right mindset. But if you're already giving, it makes sense to be intentional and structure that giving in a way that helps you keep more of your hard-earned money. In this episode of Retire Today, I walk through the top three charitable giving strategies for 2025, especially in light of new tax rules taking effect in 2026 and important changes already happening this year. With only a limited window left before year-end, now is the time to understand your options. The key is planning — not reacting in April. Why 2025 Is a Unique Giving Year Late in the year, you usually have a clear picture of your income and tax bracket. That makes it the perfect time to decide when and how to give. With upcoming changes like: A new 0.5% AGI floor on charitable deductions starting in 2026 A cap on the value of deductions for high earners A higher SALT deduction limit already in effect 2025 offers an opportunity to be proactive instead of passive. Depending on your income, it may make sense to pull future giving forward — or delay certain gifts until next year. But that decision should be made intentionally, not by default. Strategy #1: Bunch Your Charitable Deductions Bunching means combining multiple years of charitable giving into a single tax year to exceed the standard deduction and unlock itemized deductions. For example, if you normally give $10,000 per year to charity but don't itemize, you may get no tax benefit at all. But by contributing two to four years of giving in one year, you may be able to itemize and deduct the full amount. The most effective way to do this is through a donor-advised fund (DAF). A DAF lets you: Take the tax deduction now Give to charities later, on your preferred schedule Keep your giving consistent for the organizations you support This separates the timing of your tax deduction from the timing of your charitable gifts — a powerful planning tool when income fluctuates. Strategy #2: Donate Appreciated Investments Instead of Cash One of the most tax-efficient ways to give is donating long-term appreciated investments from a taxable brokerage account. When you sell an investment that has gone up in value, you owe capital gains tax. When you donate that same investment directly to charity (or to a donor-advised fund), you: Avoid paying capital gains tax Receive a charitable deduction for the full market value Remove a concentrated position from your portfolio This strategy is especially effective after strong market years like 2023, 2024, and 2025, when many investors are sitting on significant unrealized gains. To qualify, the investment must be held for more than one year (long-term capital gain). Many custodians automatically select the most tax-efficient shares when processing these donations, making the strategy easier to implement than most people expect. Strategy #3: Use Qualified Charitable Distributions (QCDs) For those age 70½ or older, Qualified Charitable Distributions are often the most powerful giving strategy available. A QCD allows you to send money directly from your traditional IRA to a qualified charity. That money: Never shows up as taxable income Can satisfy Required Minimum Distributions (once applicable) Reduces future RMDs by shrinking your IRA balance Many retirees make the mistake of taking IRA withdrawals, depositing the money into checking, and then writing checks to charity. That approach often increases taxable income, affects Social Security taxation, and can raise Medicare premiums — even if a charitable deduction is available. QCDs avoid those issues entirely by keeping the income off your tax return in the first place. Even if you're not yet subject to RMDs, starting QCDs early can still make sense if part of your regular spending includes charitable giving. Putting It All Together These three strategies often work best in combination: Use donor-advised funds to bunch deductions Fund those DAFs with appreciated investments Use QCDs once you reach age 70½ But none of this should be done blindly. The right approach depends on: Your income this year and next Whether you itemize or take the standard deduction Your charitable goals Your long-term retirement and tax plan The most important step is projecting your tax situation before the year ends and making decisions on purpose — not by default. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “Trump's Big Beautiful Bill Could Change Retirement FOREVER!” – Mr. Retirement YouTube Channel “Maximize your Tax Benefits by BUNCHING Charitable Donations!” – Mr. Retirement YouTube Channel “How the SALT Deduction Cap Works If You Make Over $500,000 (2025 Tax Update)” – Mr. Retirement YouTube Channel “QCDs: The Tax-Smart Way to Give in Retirement (2025 Qualified Charitable Distributions Guide)” – Mr. Retirement YouTube Channel “What is the 2025 QCD Limit? (Qualified Charitable Distributions” – Mr. Retirement YouTube Channel Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Send us a textBefore we close things down for the holidays, I decided to bring back one of my favorite interviews from the vault. In 2021 during one of our Bookkeeping Biz Workshop rounds, I brought Katie on to chat about a program she had just created—which is still going strong today—in fact, has been revamped and redesiged since she created it, and I want to make sure you all know about it. But more so than that, I wanted to bring this conversation back to you in case you're planning for the new year. This will give you some things to consider, especially if you're balancing motherhood with building your business, or dreaming of starting your business in 2026.In this episode you'll hear:Katie's background: CPA → corporate → motherhood → bookkeeping business (and how she was “paid to quit” at the perfect time)The emotional reality of leaving corporate—even when it's the right moveWhy the early seasons of motherhood are intense, and how that shapes business decisionsHow Katie's bookkeeping business grew: referrals, small beginnings, pricing lessons, and early client expansionThe mindset shift: bookkeeping as a stable, scalable foundation (especially once you hire a team)Hiring earlier than feels comfortable: babysitters, cleaners, and bookkeepers as “buying back time”Why working at home with kids around can be harder than being fully out of the houseOffice space + opportunity cost: how one monthly client can fund the setup that changes everythingTraining a team the right way: slow client-by-client handoff, upfront time investment, long-term payoffClient continuity + freedom: not being the only person clients rely onKatie's Become a Bookkeeper (BABS) course overview: Learn → Shadow → Apply (practicum)Resources mentioned in this episode:Become A BookkeeperConnect with Katie: : instagram.com/orderlyaccountingbykatieListen to Katie's Podcast: Profits & ProseccoSign up for Become A BookkeeperThanks for listening. If this episode inspired you in some way, take a screenshot of you listening on your device and post it to your Instagram stories and tag me @ambitiousbookkeeperFor more information about the Ambitious Bookkeeper Podcast or interest in our programs or mentoring visit our resources below:Visit our website: https://www.ambitiousbookkeeper.comFollow the Blog: https://www.ambitiousbookkeeper.com/blogConnect on Instagram: https://www.instagram.com/ambitiousbookkeeperConnect on Threads: https://www.threads.net/@ambitiousbookkeeperConnect on Facebook: https://www.facebook.com/serenashoupcpaThank you for your support of our show. If you haven't left a review yet it's super simple. Please go to ambitiousbookkeeper.com/podcast and leave your review.Podcast Publishing Tools we use:Editing → Sabr Media LLC: https://www.iangilliam.com/sabr-media-llcDescript: https://get.descript.com/u7lubkx09073 (affiliate link)Buzzsprout:

David Leary of The Accounting Podcast joins Caleb and Zach to discuss the 2016 hit action movie, The Accountant, starring Ben Affleck.SponsorsRoutable - http://ohmyfraud.promo/routableACFE - http://ohmyfraud.promo/acfeNAEA - http://ohmyfraud.promo/naea (00:00) - The Accountant Bonus Episode (04:26) - Overview of 'The Accountant' Movie (06:12) - First Accounting Scene: Tax Advice (09:39) - Forensic Accounting at Living Robotics (15:27) - Uncovering the Fraud (21:17) - Mercenaries and Action Scenes (30:18) - Money Laundering and Art as Assets (39:04) - The Final Confrontation (40:44) - The Movie's Conclusion (45:11) - The Fraud Triangle Explained (52:25) - Forensic Auditing and AI (01:02:22) - Movie Review and Final Thoughts (01:07:17) - Outro CPE Course on Earmark https://earmark.app/c/2422Download the app:Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appQuestions? Need help? Email support@earmarkcpe.com.CONNECT WITH CALEBLinkedIn: https://www.linkedin.com/in/calebnewquist/

Developers of affordable rental housing using low-income housing tax credits (LIHTCs) want to know what they can include in eligible basis calculations. In the latest installment in the "So You Want to Be a LIHTC Developer" series of the Tax Credit Tuesday podcast, Michael Novogradac, CPA, and Novogradac partner Christina Apostolidis, CPA, discuss three issues around eligible basis. First, they discuss the treatment of community service areas in the calculation for eligible basis. Next, Novogradac and Apostolidis cover enhancements made that are not physically part of the main development site, better known as off-site improvements. Finally, the pair discuss the issues around impact fees.'

In this episode, Brett Tanner and co-host Katelyn Mitchell walk through the exact end-of-year and start-of-year wealth checklist they personally use to manage their businesses, reduce taxes, and grow long-term wealth.This episode is highly tactical — Brett covers how to update entity structures, evaluate your investments, adjust your wealth plan, review rental performance, optimize retirement accounts, and create a simple 12-month business and financial roadmap.If you're building wealth, this episode shows you precisely what to review, update, and execute every December and January to stay on track for long-term financial freedom.

On this episode of Millennial Debt Domination, Katie highlights tax season.  It's December, which means the New Year is just around the corner, and so is tax season. That's right, filing officially kicks off in late January, so now is the perfect time to start organizing your tax documents and getting prepared.  On this episode, Katie is joined by George Dimov. George is a CPA with over 20 years of experience in accounting and consulting across a wide range of industries. He's also the president of Dimov Tax Specialists, a firm that offers personalized CPA services for both individuals and businesses.  Katie and George will cover what docuemtsn you need to file your taxes, the most common filing mistakes to avoid, how to spot tax-related scams, and much more.  Follow Navicore on Social Media: X: @NavicorePR Instagram: @navicoresolutions Facebook: NavicoreSolutionsPR More questions for Katie? E-mail us: olm@navicoresolutions.org About Navicore Solutions: We are a national nonprofit provider of financial education and compassionate personal finance counseling. We can help you gain control of your finances. A debt-free future is possible. Learn more about us here: http://navicoresolutions.org/    https://dimovtax.com/

Jennifer Giannini brings more than 30 years of experience leading independent audit engagements for corporate clients across a wide range of industries. Throughout her career, she has developed deep expertise in employee benefit plan audits, making this a primary focus area. After many years of working at Baker Tilly, a national CPA firm, Jennifer recently joined LJB CPA to lead the firm's audit practice. Passionate about building strong client relationships, Jennifer returned to a smaller firm to work more closely with clients and deliver a personalized, value-added experience. Her experience at both mid-sized and national firms gives her a unique ability to tailor services to meet each client's specific needs and complexities. In her years of auditing employee benefit plans, she has pretty much seen just about everything- and enjoys helping plan sponsors navigate the tough issues that keep them up at night. In this episode, Eric and Jennifer Giannini discuss:Protecting participants through disciplined plan auditsMaking audit readiness a year-round responsibilityOwning fiduciary controls that cannot be outsourcedAvoiding costly errors through informed governanceKey Takeaways:Plan audits protect participant assets and confirm the plan follows its governing documents. They ensure contributions, matches, distributions, and eligibility are applied consistently. They also help identify fraud or embezzlement risks early.Audits run smoothly when preparation happens throughout the year. Developing processes that represent a living checklist keeps documentation complete. Retaining internal records prevents gaps that auditors will flag.Some fiduciary duties remain with the plan sponsor at all times. Regular reconciliations and documented committee oversight demonstrate prudence. Simple tracking helps surface issues before they escalate.Operational errors often stem from payroll misalignment with plan terms. Early engagement with experienced ERISA auditors reduces surprises. Committees must weigh cost, complexity, and fiduciary risk together.“The early bird always gets the worm. The earlier you start that process with your auditor, the better.” - Jennifer GianniniConnect with Jennifer Giannini:Website: https://ljbcpa.com LinkedIn: linkedin.com/in/jennifer-giannini-875071a Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to change.It is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

Want to work together? I offer financial planning & investment management services. Learn more or schedule a call at ⁠https://www.assistfp.com/⁠In this conversation, Tim Walcott & Justin Green sit down to learn about Tim's journey from in-person training to building a successful online coaching business. They discuss the misconceptions surrounding scaling in the coaching industry, and the importance of creating a profitable business model. Tim emphasizes the need for effective marketing strategies, the significance of systems and frameworks, and the value of visualizing success for clients. He also highlights the importance of understanding client assumptions and expectations, ultimately encouraging coaches to be deliberate in their business practices.Connect with me → ⁠https://www.instagram.com/justingreenfp⁠Tim Walcott on IG → https://www.instagram.com/iamtimwalcott/Key TakeawaysTim transitioned from in-person training to online coaching for greater flexibility.COVID-19 significantly impacted his business decisions and strategies.Scaling a business doesn't always mean increasing expenses; profitability is key.Many coaches chase revenue without considering their actual take-home profit.Building a personal brand is important, but systems and frameworks are essential.Visualizing success helps clients understand the process and outcomes.Coaches should clarify their methods to avoid client assumptions.Effective marketing involves demonstrating value rather than just selling oneself.Understanding client expectations can lead to better engagement and sales.Tim plans to leverage his personal brand for future business ventures.Chapters:00:00 Introduction to Tim Walcott and His Journey02:43 Transitioning from In-Person to Online Coaching05:28 The Reality of Scaling a Coaching Business08:44 Profitability vs. Revenue in Coaching11:28 Future Plans and Wealth Building Strategies16:01 Navigating Consumption and Implementation Phases17:51 Understanding Unique Selling Propositions19:31 Building a Personal Brand for Long-Term Success21:34 Features vs. Benefits in Marketing22:53 The Importance of Visualizing Outcomes29:07 Demonstrating Your Process to Build Trust33:09 Filling the Gaps in Client Assumptions_ _ Assist Financial Planning L.L.C. (“Assist FP”) is a registered investment advisor offering advisory services in the State of Massachusetts and in other jurisdictions where exempted. Content may include topics related to tax planning and estate planning but should not be considered tax or legal advice. This material is for informational purposes only and not personalized advice. Investing involves risk. Past performance is not indicative of future results. Always consult your CPA, attorney, or financial planner before making financial decisions.

You open Excel daily, but are you using AI to make it work for you? While 58% of professionals have tried AI, only 17% use it regularly—a missed opportunity. Join CPA Kyle Ashcraft in this hands-on webinar to learn vibe coding—a no-programming approach using Cursor AI to automate repetitive Excel tasks. Watch Kyle transform messy spreadsheets, organize GL data, and reconcile transactions with simple AI prompts while keeping data secure. You'll get three ready-to-use scripts plus a framework to automate countless tasks and reclaim hours weekly.(Originally recorded on October 20, 2025, on Earmark Webinars+)Chapters(02:18) - Meet Kyle Ashcraft and His AI Journey (02:31) - The Importance of AI in Accounting (03:30) - Kyle's Background and CPA Review (04:38) - Live Webinar and Audience Interaction (05:12) - Kyle's AI Projects and Cursor Introduction (07:39) - Data Privacy Concerns with AI (17:18) - Practical AI in Excel: Examples and Demonstration (20:03) - Getting Started with Cursor (23:55) - First Cursor Project: Cleaning Up Excel Data (31:38) - Jumping into Financial Document Verification (32:50) - Exploring Cursor's Privacy Settings (33:48) - Understanding Data Retention Policies (36:23) - Comparing Excel Files with Cursor (36:48) - Analyzing Complex GL Details (42:22) - Using Cursor for Recurring Accounting Tasks (49:20) - Leveraging AI for Audit and Analysis (50:53) - Practical Tips for Implementing Cursor (53:56) - Q&A: Advanced Cursor Features (59:04) - Conclusion and Next Steps Earn CPE for this episode: https://www.earmark.app/c/2854Sign up to get free CPE for listening to this podcasthttps://earmarkcpe.comhttps://earmark.app/Download the Earmark CPE App Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appResourcesIntro to Cursor PDF Guide - https://mcusercontent.com/02dbcae4a3e3f15021db25a0c/files/deff5647-e0a3-51d7-4225-cf8b3a48532d/Cursor_AI_Quick_Guide.pdfWebinar presentation - https://ai.maxwellstudy.com/Connect with Our Guest, Kyle Ashcraft, CPALinkedIn: https://www.linkedin.com/in/kyle-ashcraft-cpa-7638a42aLearn more about Maxwell CPA Reviewhttps://maxwellcpareview.com/Connect with Blake Oliver, CPALinkedIn: https://www.linkedin.com/in/blaketoliverTwitter: https://twitter.com/blaketoliver/

AI-powered search is fundamentally changing how people discover tax and accounting professionals — and the 2026 tax law reset is about to separate firms that are prepared from those that aren't.In this episode of The Growth Minded Accountant, Lee Reams and Rebekah Barton unpack two major forces converging at the same time:• Why AI search tools are reducing visibility for generic tax and accounting websites • How discovery now works when search engines synthesize answers instead of ranking pages • What the 2026 tax reset means for client expectations, planning demand, and advisory opportunities • Why narrative, authority, and clarity matter more than templates and keywords • How firms can transition from compliance-heavy work to higher-value advisory without increasing headcountThis conversation isn't about chasing trends or fear-based marketing. It's about understanding how visibility, trust, and firm growth now work — and how growth-minded tax and accounting professionals can position themselves to win heading into 2026.If you're a CPA, EA, or tax professional thinking about the future of your firm, this episode will challenge how you think about discovery, positioning, and advisory growth.

Near the end of the year, many practice owners scramble to buy new equipment just to lower their tax bill. But is that "last-minute" purchase actually hurting your bank account? In this episode, we break down why rushing into year-end spending can cripple your cash flow and how to navigate the complex rules of Section 179 deductions without getting flagged by the IRS.We also dive into the administrative "must-dos" that keep your practice compliant. We'll discuss the current 1099 reporting requirements (and the upcoming relief in 2026), how to unlock tax-free reimbursements for home rentals and mileage, and the critical deadlines you cannot afford to miss this January.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

Social Security Crisis: What Happens If the Money Runs Out?**Schedule your free virtual consultation

In this episode, The Annuity Man discussed:  Seeing through product-driven Roth pitches Recognizing political risk in long-term tax planning Keeping conversions separate from annuity products Avoiding shiny-object sales tactics   Key Takeaways:  Treat Roth conversions as tax decisions rather than annuity strategies. Rely on math and tax guidance instead of sales-driven framing. Understand that tax-free structures like Roths can face future policy shifts. Plan with awareness that political changes may affect long-term assumptions. Run conversion numbers independently of any annuity recommendation. Evaluate tax impact, break-even timing, and personal comfort before acting. Watch for bonuses, churning, and pressure to "flip" existing annuities. Focus on guarantees, documentation, and advice from qualified tax professionals.   "You should never do a Roth conversion without talking to a Certified Financial Planner, a CPA, or tax lawyer. Period." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Sarah Ference, CPA, an author of the JofA's Professional Liability Spotlight column, returns to the JofA podcast to discuss recent column topics and the advice CPAs can gain from them. In particular, Ference details data security preparedness, the value of engagement letters for tax-compliance services, common audit claims and defenses, and more. Editor's note: This episode is the JofA podcast's last until Jan. 8. n  October: Are You Prepared for the Cost of a Data Security Incident? n  November: Blocking and Tackling: Engagement Letters for Tax Compliance Services n  December: Common Audit Claims and Defenses What you'll learn from this episode: Advice for CPA firms to guard against data security incidents. The ways engagement letters can prevent costly client disputes. The factors that often make audit claims the most expensive type of claims for firms. How to protect your firm when a client faces bankruptcy.

Today on Your Money, Your Wealth® podcast 560, Joe Anderson, CFP® and Big Al Clopine, CPA spitball business development company (BDC) funds for Edward in Illinois before diving into buckets of cash, T-bills, decumulation, and Roth conversion timing for Pebbles and Bam Bam. Plus, the fellas help 34 year old Keith in Connecticut figure out if he's actually on track, whether he's taking too much risk, or just worrying too much. They also spitball on the six-figure annuity gain that Gus in Philly's 95 year old dad has amassed. Finally, why yelling "never pay an advisor" on the internet doesn't necessarily magically turn MYGAs into the perfect investment for everyone. (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from a January 2025 episode.) Free Financial Resources in This Episode: https://bit.ly/ymyw-560 (full show notes & episode transcript) 10 Steps to Improve Investing Success - free download Tax-Smart Charitable Giving Guide 6 Secrets to Bigger Tax Deductions from Your Non-Profit Donations - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This week on the YMYW Podcast 01:03 - What's the Risk With Business Company Development (BDC) Funds? (Edward, IL) 03:58 - T-Bills, Decumulation, IRAs, and Investing Strategies (Pebbles & Bam Bam, Kentuckystone) 12:02 - I'm 34. Are My Investments Appropriate for My Time Horizon? (Keith, CT) 17:59 - MYGA Retirement Withdrawal Strategy for Dad (Gus in Philly) 23:00 - Just Buy Multi-Year Guaranteed Annuities (MYGAs) and Bonds (comment from Ken, YouTube) 28:04 - YouTube comments: State Taxes, Pro-Rated Sale of Primary Residence, Bonds vs. Pension, and PERMA 35:27 - YMYW Podcast Outro

In this episode of the HR Mixtape podcast, host Shari Simpson sits down with Ron Monteiro, CPA and CMA, former finance leader at YaYa Foods Corp, and author of "Love Mondays." They delve into the importance of employee experience and how to cultivate joy in the workplace, especially in a post-COVID world where many struggle with work-life balance. Ron shares his journey from corporate burnout to finding purpose and joy in his work, offering practical, measurable steps to help others do the same. This conversation is timely as organizations seek to enhance employee engagement and well-being amidst evolving workplace dynamics. Listener Takeaways: Learn how to set effective boundaries to reclaim your time and energy. Discover why accountability partners can enhance your journey toward workplace joy. Explore strategies for creating a culture where every day feels fulfilling, not just Fridays. Hit “Play” to uncover how you can start loving Mondays again! Guest(s): Ron Monteiro, Author, Love Mondays

Send us a textIn this episode, Dr. Latifat sits down with a straight-talking CPA who reveals how too many physicians are unknowingly handing tens of thousands to the IRS. This isn't about loopholes—it's about legal, proactive strategy you probably haven't been taught. Whether you're W-2, 1099, or owning real estate, this episode will open your eyes to what you're missing.Top 3 Takeaways:Your CPA isn't automatically doing strategy—you need to ask and invest in it.There are legal ways to save 5–6 figures a year in taxes—you just haven't been shown how.Tax strategy isn't a rich-people thing. It's how regular high earners build multi-generational wealth.Natasha Dornbush, CPA is a tax strategist and small business CEO . She is "obsessed" with helping physician entrepreneurs save on taxes. Visit https://www.natashadornbush.com/ to learn more.If you are a woman physician who is ready to ditch money worries and overwhelm, you don't need to wait for the perfect time. You dont need a perfect plan. You definitely do not need a MBA. Check out our new program 6 to 7, where you learn all about simplifying money and making it easy for you to win financially. www.moneyfitmd.com/6to7You're making six or even seven figures—and still asking, “Where did all my money go?” The problem isn't your income—it's that you haven't learned how to have money left.The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.

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Brett Turner has raised nearly $200M and generated over $700M in shareholder value across 4 tech companies. But his journey from Big 4 CPA to serial fintech founder wasn't smooth—and every failure taught him something critical.FloQast CEO and Host Mike Whitmire sat down to discuss his journey to Trovata, and everything he's learned along the way. IN THIS EPISODE:- Why his first board meetings as CFO were brutal (and the all-nighter solution that saved him)- The real story behind 3 major startup exits- Why he left Deloitte after 2 years — and why it was the right call- The $12 trillion in corporate deposits earning zero interest (and why that's about to change)- How stablecoins are "coming like a freight train" to disrupt traditional banking- Why managing Amazon's SEC reporting prepared him for fintech- Career advice: How to turn accounting expertise into executive-level impactABOUT BRETT TURNER:Brett Turner is CEO and founder of Trovata, a next-gen cash management platform that has raised $85M (Series B). Since leaving Amazon in 2005, he's built 4 successful tech companies with 3 major exits totaling over $700M in shareholder value. He started his career at Deloitte as a CPA and spent 8 years in Controller roles before joining Amazon to manage SEC reporting. Trovata's investors include JP Morgan, Wells Fargo, and other major financial institutions.ABOUT BLOOD, SWEAT & BALANCE SHEETS:Hosted by Mike Whitmire (CEO, FloQast), this podcast features former accountants who've had extraordinary career journeys—proving that accounting skills can take you anywhere.---LEARN MORE ABOUT TROVATA: https://trovata.ioFLOQAST ACCOUNTING SOLUTIONS: https://floqast.com#accounting #fintech #stablecoins #career #cfo #treasury #startup #floqast 

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Laura lost her third child, Terrah, to Sudden Infant Death Syndrome in 1994 and Angel Eyes (formerly called The Colorado SIDS Program) reached out immediately. Laura has hosted lobster dinners for over 200 guests, founded the Angel Walk (formally the Walk to Remember). In 2014, she joined the Board of Directors and moved up to the President of the Board. In May 2024, Laura transitioned to Angel Eyes as the full-time Executive Director and has been fostering relationships within the Colorado community.“Now that my children are grown, they too support Angel Eyes by volunteering and chairing events. It is our family's way of honoring Terrah.”https://www.coloradogives.org/organization/angeleyes/welcome*************************************************************Judy Carlson is the CEO and Founder of the Judy Carlson Financial Group, where she helps couples create personalized, coordinated financial plans that support the life they want to live – now and in the future.As an Independent Fiduciary and Comprehensive Financial Planner, Judy specializes in retirement income and wealth decumulation strategies. She is a CPA, Investment Advisor Representative, licensed in life and health insurance, and certified in long-term care planning.Judy's mission is to help guide clients with clarity and care, building financial plans that focus on real planning built around real lives.Learn More: https://judycarlson.com/Investment Adviser Representative of and advisory services offered through Royal Fund Management, LLC, a SEC Registered Adviser.The Inspired Impact Podcasthttps://businessinnovatorsradio.com/the-inspired-impact-podcast/Source: https://businessinnovatorsradio.com/the-inspired-impact-podcast-with-judy-carlson-interview-with-laura-crowley-executive-director-angel-eyes

Stewart Heath founded the Harvard Grace Corporation in 2010, which has since expanded into Harvard Grace Capital. HG Corporation still provides fractional C-level executive services to clients as well as general business consulting. Heath also sits on several boards, including HGC, Winsome Truth, The Shepherd's Call, and Second Chance Sober Living. In 2016, Heath was recognized as a finalist for the Nashville Business Journal's CFO Awards. Currently, Heath holds several fractional CFO positions.Heath previously held positions as COO and CFO for companies in retail, real estate, manufacturing, corporate services, entertainment, and digital media. He earned his CPA license in 1987 and has since held several senior financial and operating positions. Heath also holds a B.S. in Business Administration from Auburn University. He now runs Harvard Grace Capital, an idea that has been close to his heart for a long time, in an effort to provide stability for investors and to engage with his community. Connect with Stewart Heath: Website: https://harvardgracecapital.com/ LinkedIn: https://www.linkedin.com/in/stewartoheath/ , https://www.linkedin.com/company/harvard-grace-corporation/ TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152

Profit First is an amazing system, but only when you use it correctly. Too many small business owners hear the concept and immediately open a ridiculous number of bank accounts, creating confusion, stress, and a bookkeeping nightmare. In this video, we break down what Profit First is really about: starting small, building discipline, and using your accounts with intention. We'll also talk about the most important part of Profit First that no one mentions - Knowing Your Numbers! Your Profit & Loss and Profit First must work together if you want real results. Let's clean up the chaos and get you on a path to true profit.

In this episode, real estate CPA Katie Ripp joins us to reveal crucial tax strategies for female real estate investors. Katie debunks persistent myths—like the need for an LLC for more deductions—and explains why understanding depreciation is vital to avoid costly mistakes. She breaks down how to qualify for Real Estate Professional (REP) status and leverage it to offset income, details the “short-term rental loophole” for maximizing Airbnb tax benefits, and simplifies the 1031 exchange for deferring capital gains taxes. Whether you're overwhelmed by taxes or seeking proactive strategies, Katie offers clear, practical advice to stay organized and optimize your wealth. Listeners will also learn about the ongoing support and resources available through the WIIRE Community's quarterly CPA calls, designed specifically for real estate investors. If you're ready to master the tax game and grow your portfolio with confidence, this episode gives you the knowledge and encouragement you need.   Resources:Simplify how you manage your rentals with TurboTenantGet in touch with Envy Investment GroupConnect with KatieMake sure your name is on the list to secure your spot in The WIIRE Community Leave us a review on Apple PodcastsLeave us a review on SpotifyJoin our private Facebook CommunityConnect with us on Instagram

What is a Good Law Firm Profit Margin If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

We're deep into December, and the window for smart year-end tax planning is closing quickly. Taxes may not be at the top of your Christmas wish list, but they are an important reminder of God's provision—and an opportunity to honor Him through wise stewardship.As Scripture reminds us, “The earth is the Lord's, and everything in it” (Psalm 24:1). That includes the resources He's entrusted to us. Thoughtful planning isn't about avoiding responsibility—it's about managing God's gifts with intention and gratitude.Today, we sat down with Kevin Cross, a seasoned CPA who has helped countless families navigate taxes with clarity and confidence. As we approach December 31 and look ahead to 2026, here are some of the most important moves to consider.Rethinking Charitable Giving at Year-EndCharitable giving is always close to the hearts of our listeners, and year-end is an especially strategic time to consider it.Recent changes to the tax code—including a higher standard deduction and an expanded SALT (state and local tax) deduction—mean many households may now benefit from itemizing again. If that's you, making charitable contributions before December 31 could provide meaningful tax benefits.But even if your standard deduction is still too high to itemize, there's another strategy worth considering: bundling your giving. Instead of spreading donations evenly each year, you might combine two years' worth of giving into one year. That can push you over the itemization threshold and maximize the tax benefit—while still supporting the ministries and causes you care about.Why a Donor-Advised Fund Is a Powerful ToolIf you don't yet know precisely where you want to give, a donor-advised fund (DAF) can be an incredibly flexible option. We often call it a charitable checking account. You receive the tax deduction when you contribute to the fund, then take your time prayerfully distributing gifts to qualified charities.Kevin likes to say it's “the most fun fund you'll ever have”—because it encourages generosity while allowing your resources to be invested and potentially grow before they're given.For those who want to ensure their giving supports gospel-centered ministries, I recommend opening a donor-advised fund through the National Christian Foundation (NCF). It's a wonderful way to align generosity with faith-based impact. You can learn more at FaithFi.com/NCF.A New Opportunity for Children and Grandchildren (Starting in 2026)One of the most talked-about developments Kevin highlighted is a new child tax savings account (Trump Account), set to begin in 2026. While no action can be taken until then, it's worth knowing what to expect.Under this provision, eligible children may receive a government-funded seed contribution, and families can contribute up to $5,000 per year. Even more interesting: businesses may be able to contribute up to $2,500 tax-free under the right circumstances—while still receiving a deduction.What makes this especially notable for generous families is that donor-advised funds may be used to contribute to these accounts, creating new ways to bless the next generation while maintaining a strong commitment to charitable giving. Proper planning and paperwork will be essential, but this is an opportunity many families will want to explore.Qualified Charitable Distributions: A Missed Opportunity for ManyOne of the most underutilized tax strategies Kevin sees involves Qualified Charitable Distributions (QCDs)—and it always surprises me how many people don't know about them.If you're 70½ or older, you can give directly from your IRA to a qualified charity and exclude that distribution from taxable income. Once you reach the age for required minimum distributions (RMDs), this becomes even more powerful. Instead of taking the distribution, paying taxes, and then giving what's left, you can give directly—often satisfying your RMD without increasing your tax bill.And this isn't limited to small amounts. You can give up to $100,000 per year through QCDs. It's one of the most effective charitable strategies available, especially for retirees who want to give generously while managing their tax burden wisely.Stewardship with PurposeTaxes can feel complex, frustrating, or even discouraging—but they don't have to be. When we view them through the lens of stewardship, they become another opportunity to align our financial decisions with God's purposes.Kevin Cross brings both expertise and encouragement to this conversation, reminding us that wise planning isn't about fear—it's about faithfulness. If you'd like to learn more about Kevin and his work, you can visit KevinCrossCPA.com.As we close out the year, our prayer is that your financial decisions reflect gratitude for what God has provided—and confidence that He will continue to lead you as you steward it well.On Today's Program, Rob Answers Listener Questions:I have about $135,000 in my 401(k), and my home is worth around $100,000. Would it be advisable to cash out my 401(k) to pay off my house?I was recently told about a fixed-rate annuity offering a 22% bonus immediately. Does that sound like a good opportunity, or is it too good to be true?My mother-in-law, who's still living, deeded my husband five and a half acres out of a 13-acre property. We're considering selling that portion to his sister and want to understand the tax implications—what tax rate applies, whether there's an inheritance tax, and how that works.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Kevin Cross, CPAWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

These days, we're hearing a lot about the many benefits of Roth accounts. However, they're not the best choice for every investor. Host Robert Brokamp speaks with Megan Brinsfield, CFP, CPA, president of Motley Fool Wealth Management (a sister company of The Motley Fool), about when the advice to Roth goes wrong. Also in this episode:-The Fed lowers interest rates, sending value and small-cap stocks soaring-Request your required minimum distributions at least a few days before Dec. 31, including if you inherited a retirement account-Every year the Nasdaq 100 drops, it drops big-Starting next year, catch-up 401(k) contributions from higher-earning workers age 50 or older must go into a Roth account – who's affected and how to prevent suboptimal consequences Host: Robert BrokampGuest: Megan BrinsfieldEngineer: Bart Shannon Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, "TMF") do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode Learn more about your ad choices. Visit megaphone.fm/adchoices