Podcasts about cpa pfs

What if the biggest barrier to client action is not the quality of the financial plan, but the lack of purpose behind it? In this episode, Cary Sinnett sits down with Andrea Millar to explore how life planning helps financial planners move beyond technical recommendations and uncover what truly matters most to clients. Andrea shares how deeper conversations around purpose, relationships, fulfillment, and meaning can lead to stronger engagement, clearer decision-making, and more intentional financial behavior. Together, Cary and Andrea discuss how CPA financial planners can integrate life planning concepts into existing client relationships without abandoning technical precision. Questions Answered Why do some clients fail to follow through on financial advice?  How can planners uncover what truly matters most to clients?  Why do "soft skills" often improve technical planning outcomes?  How can advisors begin incorporating life planning concepts into their existing process?  Key Takeaways Clients are more likely to act on recommendations when financial advice connects to personal meaning and purpose.  Technical expertise becomes more powerful when paired with deeper discovery conversations.  Human-centered guidance may become even more valuable as AI advances in technical planning. Resources: The why, what, and how behind legacy planning for your clients Kinder Institute of Life Planning Financial Gratitude: The Behavioral Advantage Every CPA Planner Should Leverage Guide to Practical Retirement Planning This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

What does it really take to retire with confidence?In this episode of The Authority Company Podcast, Joe Pardavila sits down with financial advisor and author Randy L. Thurman, CFP, CPA/PFS, CEO of Retirement Investment Advisors, to break down the biggest questions people face as they approach retirement. With nearly four decades of experience guiding clients through one of life's most important transitions, Randy shares what separates a comfortable retirement from a stressful one.They discuss why longevity is reshaping retirement planning, how to think about budgeting when your paycheck stops, and the common mistakes people make with Social Security. Randy also explains why emotional readiness matters just as much as financial readiness, and why many retirees struggle even after they have enough money.From unexpected expenses and healthcare costs to the mindset shift required to make your money last, this conversation offers a practical look at how to prepare for retirement in a world where people are living longer and costs keep rising.If you are thinking about retirement, or already there, this episode will help you ask better questions and make smarter decisions.⏱️ CHAPTERS / TIMESTAMPS00:00 Intro00:48 Longevity and why retirement planning is harder today02:13 Budgeting when your paycheck disappears04:14 The hidden cost of healthcare in retirement05:04 Spending habits with kids and grandkids05:59 Why the book is built around 52 questions07:34 The #1 retirement question people ask08:35 The question people avoid most09:32 How to know if you are emotionally ready11:36 Inflation and protecting your retirement13:14 What “successful retirement” really means14:33 The 60 to 80 percent rule explained15:47 Basic vs dream spending16:27 Biggest expense mistakes retirees make17:27 Preparing for unexpected health costs19:30 Should you own a home in retirement21:17 The mindset shift from earning to spending21:59 Why retirees work part-time23:25 Social Security mistakes to avoid24:45 When to take Social Security28:26 How Social Security is calculated29:28 What matters most in retirement planning30:24 The common traits of successful retirees

Sometimes the biggest client wins start with a simple question. In this episode, Cary Sinnett and Jackie Cummings Koski share five fast, high-impact planning ideas that can instantly deepen client conversations and uncover bigger opportunities.  From forgotten 401(k)s and Roth-funded 529 strategies to overlooked HSA and charitable planning moves, these are the kinds of insights that make clients stop and say, "Wait… I didn't know that." If you want practical ideas you can use immediately to create value, strengthen relationships, and spark more meaningful planning engagements, this episode is for you. Questions answered: Can clients really use 529 plans for professional credentials and Roth IRA funding?  How can clients access retirement money before age 59½ without the 10% penalty?  Are advisors overlooking powerful HSA planning opportunities for families?  What charitable giving strategies work best for non-itemizers?  How do clients find forgotten 401(k)s and abandoned accounts? Resources: Retirement Savings Lost and Found Database National Association of State Treasurers Health Savings Accounts Beyond the Basics 529 plan expansion boosts education and CPA access Slott and Keebler on what to watch out for with SECURE 2.0 This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

Cary Sinnett sits down with Jackie Koski to challenge a core assumption in financial planning: strategy isn't the starting point—literacy is. They explore how foundational knowledge shapes better decisions, why behavior often overrides logic, and how financial professionals can expand their impact beyond client engagements. Questions Answered How does financial literacy change a client's path to financial independence?  Why do money beliefs derail sound financial decisions?  How can advisors scale their impact beyond their client base?  Key Themes Literacy as the foundation for better planning outcomes  Behavior, beliefs, and decision-making gaps  Rethinking FIRE for real-world clients  The late starter journey: from shame to action  Expanding your role from advisor to educator  Why It Matters Better-informed clients make better decisions—and better clients. Your knowledge doesn't need to stop at your client list. AICPA Resources: Financial Literacy resources  Financial Literacy Month Spotlight CPAs role in Financial Literacy PFP Champion Program This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

In this episode of the Gaining Interest Podcast, host John Ramsey welcomes renowned financial expert Jeffrey Levine, CPA/PFS, CFP®, CWS®, BFA®, MSA to discuss his unique journey from aspiring doctor to trusted financial advisor. Jeffrey shares insights into navigating complex tax laws amid political uncertainty and emphasizes the importance of clear, engaging communication in financial planning. They explore key elements of comprehensive planning, including risk tolerance and personalized client engagement, with Jeffrey advising advisors to act as clients' personal financial CFOs. Tune in for practical advice on building long-term client relationships and making informed financial decisions. For more resources, visit Jeffrey's website at fullyvestedadvice.com.

In this episode, Cary Sinnett sits down with Dr. Brianne Smith to explore how CPAs can turn tax work into fully integrated personal financial planning. Drawing on decades of experience leading both a CPA firm and an advisory practice, Brianne breaks down what really changes when you move beyond compliance and step into ongoing client relationships. They unpack the real barriers holding professionals back, how the PFS credential accelerates the shift, and why the future belongs to advisors who can connect tax and planning into one seamless client experience. Key answers you'll get: How can financial planning shift from an add-on to a core part of a CPA's value proposition? What is one of the pricing models that can reshape both client behavior and advisor relationships?  What practical first steps could a CPA take to integrate planning without disrupting their existing practice?  AICPA resources: Pathways to Practicing Personal Financial Planning Checklist: Building a PFP business Analysis of a Tax Return for Financial Planning Opportunities Guide to Investment Advisory Business Models This episode is brought to you by the  AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

Younger generations are rethinking retirement — considering more flexibility and well-timed breaks over a traditional model of holding a job until a certain age and then stopping work.  Kelley Long, CPA/PFS, joined the Journal of Accountancy podcast to discuss how modern financial planning is changing. She also explains how health savings accounts can support career flexibility and reduce reliance on employer‑sponsored health insurance later in life. Long will explore these topics further in June at AICPA ENGAGE, the profession's biggest conference. She is presenting sessions focused on retirement and on health care financial literacy on June 10 in Las Vegas. What you'll learn from this episode: A preview of Kelley Long's ENGAGE sessions and a related JofA article. The factors that are leading younger generations to approach retirement differently. How "mini‑retirements" can fit into long‑term career and financial planning. How Long's trip to South America crystallized her views on timing and retirement. The role of social connections in cognitive health. Some ways that health savings accounts can support career changes or time off. How potentially being overinsured can affect financial planning.

This is a pivotal moment for CPA financial planners. In this episode, Leonard Wright joins Cary to break down why the convergence of tax, technology, and client expectations is accelerating the shift toward integrated financial planning. They explore how AI is reshaping compliance, why tax is the natural gateway to deeper planning conversations, and what the PFP movement means for firms of all sizes. Leonard also shares the work happening behind the scenes at the AICPA, from global fiduciary standards to the evolution of financial planning frameworks and offers a clear call to action for CPAs ready to expand their role and impact. Key Questions Answered: What are the best firms doing differently that others still haven't figured out? Why do so many clients say, "I wish my CPA would go further," and what does "further" actually look like? What actually changes when you move from giving answers to guiding decisions? If you started over today, how would you build financial planning into your practice from day one? AICPA Resources: Pathways to Practicing Personal Financial Planning Five tips for generating new service opportunities during busy season PFP Resources From Busy Season to Better Seasons: A CPA's Path to Planning with Deb Meyer This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

Your client's kid just signed a D1 scholarship and an NIL deal. Now what? In this episode, Cary Sinnett sits down with Cameron Caprio, CPA/PFS and Founder of Venture Multi-Family Office, to unpack one of the fastest-growing planning challenges in the profession: helping young athletes (and their families) manage sudden, complex wealth before it slips through their fingers. The numbers are staggering. The NIL market is projected to top $2.5 billion in 2026. Yet 60% of former NBA players are reportedly broke within two years of retirement. The opportunity and the urgency couldn't be clearer. You'll hear Cameron and Cary dig into: What NIL actually is and why it's exploding The ideal advisory team for a rising athlete client How to build values-based plans that outlast the contract Why "self-limiting liquidity" might be the smartest move you make The behavioral risks that sink even the biggest payday Whether your client is an NIL athlete, a founder closing a liquidity event, or a spouse inheriting life-changing money, this episode is your playbook for sudden wealth done right. AICPA Resources: Article: The quarterback for client services Learning: Estate Planning Article: CPAs shape the future of financial planning Article: Don't Waste that Windfall! This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  

Financial literacy is not just a client issue; it is a national opportunity for CPA financial planners to lead. With only half of Americans understanding basic financial principles and many households living paycheck to paycheck, the profession is uniquely positioned to step beyond the conference room and into classrooms, community groups, and public conversations. In this episode, Host Cary Sinnett discusses with Julia Bush how CPAs can turn technical expertise into measurable impact. Julia explains why financial literacy remains one of the most critical life skills Americans are often expected to "teach themselves" and why that model continues to fall short, particularly for students. While 30 states now require personal finance education in high schools, funding and implementation gaps persist. The conversation explores: The behavioral gap between knowing and doing in personal finance Why accountability and small actionable steps matter How CPAs can partner with schools, nonprofits, and community groups The impact of organizations like Junior Achievement Practical first steps financial professionals can take to create measurable change For CPA financial planners, this episode is both a call to action and a roadmap for engagement. AICPA Resources: Financial Literacy Junior Achievement Volunteer Invest in girls Institute for Financial Education and Prosperity This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  

What is really happening with the PFS? In this episode, Cary Sinnett talks with Matt Kidd, Chair of the AICPA PFS Credential Committee, about the modernization of the PFS Credential, including updating the PFS experienced exam, building the PFP Champions program, expanding avenues to earn the PFS Credential like the PFS Live workshop, growing the visibility of the PFS credential nationwide by highlighting CPA/PFS Financial Planners. They discuss why tax is becoming the gravitational center of financial planning, how CPA financial planners are uniquely positioned to deliver integrated advice, and what both seasoned CPAs and the next generation should understand about the power of adding the PFS. Top Takeaways •    The PFS exam and Body of Knowledge are being updated to reflect real-world, tax-integrated planning. •    CPA financial planners have a structural advantage in delivering holistic advice. •    Raising awareness starts with proudly displaying the CPA/PFS credential. PFS Resources: •    PFS Credential •    PFS Live Workshop •    PFS Handbook  •    PFS Business Experience •    PFS Infographic •    Earning your credential info •    Engage 2026  This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.      

Trump Accounts are here, and they come with a mix of opportunity and complexity. In this episode, Cary Sinnett (PFP Podcast) and April Walker (Tax Odyssey) team up with Sebrina Ivey, CPA/PFS, to break down the key rules and planning implications CPA Financial Planners need to understand. What's covered: ·       What Trump Accounts are and how they differ from 529s, UTMA/UGMA, and ABLE accounts ·       The contribution, investment, and trustee rules during the "growth period" ·       Key decisions at age 18, and how estate and tax planning converge ·       How to compare Trump Accounts with traditional irrevocable trusts ·       Planning actions to consider before the tax-free window closes If you're advising families, this is one account structure you can't afford to overlook.  AICPA Resources: ·       Trump Accounts under Sec. 530A — Timeline and insights ·       IRS Form 4547 ·       IRS Notice 2025-68 ·       Planning for tax changes This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  

In this joint episode with the Personal Financial Planning (PFP) podcast, hosts Cary Sinnett, CPF, CAP, CFT-1, CExP, and April Walker, CPA, CGMA, Senior Manager — AICPA & CIMA, are joined by is joined by Sebrina Ivey, CPA/PFS to explore Trump accounts, also known as Sec. 530A accounts. These accounts are a new tax-advantaged savings vehicle for children created under H.R 1, P.L. 119-21, the law known as the One Big Beautiful Bill Act (OBBBA). The episode focuses on what CPAs need to know now to advise families on coordinating these accounts with broader tax, estate and financial plans.   NOTE: Gift tax return/GST tax return requirements for contributions to a Trump Account: At this time, Treasury and the IRS have not provided guidance under Sec. 530A clarifying that contributions to Trump Accounts are considered a completed gift of a present interest in property eligible for the annual gift tax exclusion ($19,000 per recipient for 2026 gifts). Without further guidance, it appears any contribution to a Trump Account will be considered a taxable gift of a future interest and therefore subject to both gift and GST tax — effectively reducing a taxpayers' federal estate tax lifetime exclusion ($15M for deaths occurring in 2026).     What you'll learn from this episode: What Trump Accounts are and how they fit alongside 529s, Roth IRAs and custodial accounts Understand who can contribute and how much to Trump Accounts Key contribution, investment and compliance rules for these accounts How to plan ahead for key transition points  Resources Trump Accounts under Sec. 530A — Timeline and insights IRS Trump Accounts IRS Notice 2025-68     Keep your finger on the pulse of the dynamic and evolving tax landscape with insights from tax thought leaders in the AICPA Tax Section. The Tax Section Odyssey podcast includes a digest of tax developments, trending issues and practice management tips that you need to be aware of to elevate your professional development and your firm practices. This resource is part of the robust tax resource library available from the AICPA Tax Section. The Tax Section is your go-to home base for staying up to date on the latest tax developments and providing the edge you need for upskilling your professional development. If you're not already a member, consider joining this prestigious community of your tax peers. You'll get free CPE, access to rich technical content such as our Annual Tax Compliance Kit, a weekly member newsletter and a digital subscription to The Tax Adviser.

Artificial intelligence (AI) is no longer a future concept in veterinary medicine. It is already showing up in exam rooms, back offices, and practice management systems across the country. In this episode, Chris O'Day sits down with hosts Jenni George, CVPM and Mark McGaunn, CPA/PFS, CFP® to cut through the hype and talk honestly about how AI is being used in veterinary practices today, where it is creating real efficiency, and where it introduces new risks. From AI scribes and scheduling tools to legal gray areas and culture concerns, this conversation focuses on how practice owners can adopt artificial intelligence thoughtfully without losing what makes their practice human.In this episode, you'll hear about:Where AI is already being used in veterinary practices todayHow AI scribe tools can improve efficiency while still requiring human oversightThe legal and medical record questions surrounding recordings, transcriptions, and data retentionCommon fears and misconceptions about artificial intelligence in veterinary medicineHow practice owners can start small, test responsibly, and build clear guardrailsWhy protecting client experience and practice culture matters just as much as efficiency gainsWhat Jenni and Mark are watching for at VMX and in the rapidly growing veterinary AI spaceIf you're curious about artificial intelligence but unsure where to begin, this episode offers a practical, grounded perspective from professionals who are already seeing it in action.

Non-grantor trusts are stepping into the spotlight, not for estate tax, but for income tax planning. In this episode, Cary Sinnett sits down with tax expert Bob Keebler to explore how the One Big Beautiful Act (H.R.1) reshapes the planning landscape. You'll hear how you can use trusts to reclaim lost SALT deductions, stack §199A benefits, shift income across generations, and even layer in QSBS exemptions. If your clients are hitting phaseouts or facing high state taxes, this episode delivers advanced strategies to optimize their tax position now and into the future. Non-Grantor Trusts: Keebler explains how trust structures can sidestep phaseouts and help clients reclaim deductions previously lost due to high AGI. The "Tax Trifecta Trust" Explained: Learn how to stack SALT deductions, layer multiple §199A deductions, and shift income strategically using non-grantor trust planning. Five Strategies You Can Use Today Income shifting to lower-bracket heirs Stacking SALT deductions across multiple trusts Boosting §199A deductions with trust-level taxpayers Expanding QSBS exemptions via strategic trust ownership Reducing or deferring state income tax through out-of-state trust situs Real-World Implementation Advice: Bob outlines guardrails around IRC §643(f) to avoid having multiple trusts collapsed into one. Hear how to structure trusts legally and practically for high-impact planning, and how to identify ideal client profiles for this approach. What CPA Financial Planners Need to Watch For: Bob discusses state-specific issues, kiddie tax complications, trust drafting must-haves, and how CPAs can lead the planning process with confidence. AICPA Resources: Video: Decoding Trusts and Wills: Provisions for PFP Practitioners Video: Year-End Planning Through the Lens of H.R. 1 Resource: Charitable planning post OBBBA rules This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  

Busy season does not have to define a CPA's entire year. In this episode of the AICPA Personal Financial Planning Podcast, Cary Sinnett sits down with Deb Meyer, CPA and founder of WorthyNest, to discuss her path from tax compliance to integrated financial planning. Deb shares why she merged her CPA firm and RIA, how advisory services changed her client relationships, and what CPAs should realistically expect when adding financial planning to their practice. The conversation covers leadership, delegation, client trust, pricing evolution, and the personal motivations behind making the shift. This episode is a must-listen for CPAs exploring advisory services and looking to create more sustainable, value-driven practices. Podcast episode takeaways: Advisory integration improves both efficiency and client experience. Bringing tax, accounting, and financial planning under one roof reduces friction, streamlines workflows, and allows CPAs to serve clients more holistically rather than in disconnected silos. Client transitions require patience and proactive engagement. Clients rarely move from tax compliance to full financial planning overnight. Trust is built over time, especially when CPAs shift from transactional work to year-round planning conversations. The move into planning is as personal as it is technical. Successful expansion into advisory services requires clarity around motivation, willingness to delegate, and acceptance that financial planning redistributes work throughout the year rather than reducing it outright. AICPA Resources: Video: Use your client's tax return to provide valuable financial advice Article: Enhancing tax practices with personal financial planning Video: Steps to add financial planning to your tax practice Article: Building a Financial Planning and Tax Advisory Business podcast series This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  

Host Cary Sinnett is joined by Dr. Brianne Smith, a PFP practitioner, CPA firm owner, and accounting professor at Auburn University, for a timely conversation on artificial intelligence in financial planning. Artificial intelligence is moving quickly into financial planning workflows, but not all "AI" tools are created equal. For CPA financial planners, the opportunity is significant: increased efficiency, deeper insights, and more client-centered communication. The risk lies in adopting technology without fully understanding what it does, how it works, and where human judgment must remain firmly in place. Explore with Dr. Brianne Smith how CPA financial planners can separate AI hype from real innovation and adopt emerging tools responsibly, with a clear focus on supervision, workflow integration, and maintaining client trust. What You'll Learn How to distinguish true AI from traditional automation and why that difference matters in practice Real-world examples of how AI is already enhancing document review, meeting documentation, and investment analysis How to supervise AI outputs responsibly while maintaining professional judgment and client trust How role mapping can help identify where AI and automation can free planners to focus on higher-value client work How AI can support both practice scalability and the next generation of CPA financial planners AICPA Resources: AICPA Personal Financial Planning Symposium Video: AI and Technology Updates for Financial Planning Practices Center: AI Tax Resource Learning: The AI Advantage: Leveraging AI for Efficiency and Impact Center: Tax Research This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  

In this episode, host Cary Sinnett is joined by Jeff Levine, CPA, CFP, and nationally recognized tax planning thought leader, to examine one of the most persistent dilemmas in personal financial planning: the tension between income tax strategies and estate tax minimization. They explore why these two priorities often conflict and walk through practical examples CPA financial planners face when advising clients on gifting, step-up in basis, trust structures, and navigating compressed tax brackets. Jeff explains how changes to the federal estate tax exemption, evolving client priorities, and multi-generational considerations require a fresh look at long-standing estate planning techniques. Whether you are working with high net worth business owners or everyday clients with legacy concerns, this episode offers clear guidance on when to prioritize short-term tax efficiency, when to focus on long-term wealth transfer, and how to serve both goals when possible. Topics Covered: Why estate and income tax strategies often work against each other The trade-off between gifting highly appreciated assets versus preserving step-up in basis When income tax planning should take priority even for affluent clients Rethinking outdated uses of credit shelter trusts in the modern exemption environment Grantor versus non-grantor trusts and the income tax implications of each Building flexibility into irrevocable trusts through toggling, decanting, and situs changes AICPA Resources: Toolkit: Year-end planning Article:  Tax Trifecta Trust after H.R. 1 Article: Year-End Planning Through the Lens of H.R. 1 Guide Excerpt: The Adviser's Guide to Financial & Estate Planning: V4 This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

Feeling overwhelmed by your to-do list? You're not alone, and there's a better way to work. In this conversation, Mark McGaunn, CPA/PFS, CFP® and Partner at LGA, joins Certified Veterinary Practice Manager and hospital owner Jenni George, CVPM, to sit down with cohost Chris O'Day. Together, they tackle one of the most important and often overlooked skills in veterinary medicine: delegation.Veterinarians are highly trained, highly driven, and often highly overloaded. Many try to do everything themselves, from charts to billing to nail trims, and it comes at a cost. Burnout, stress, missed revenue, stalled growth, and underutilized teams are all too common.In this episode, we explore:  • Why delegation is so hard for veterinary professionals  • How over-functioning leads to exhaustion and inefficiency  • The connection between delegation, profitability, and team retention  • Real-world stories from both practice and advisory work  • Tasks vets should stop doing immediately  • How to empower technicians and CSRs without feeling like you're losing control  • Small habits you can start tomorrow to reclaim time and reduce stressMark also offers insight from his role as a Partner at LGA, a regional CPA and Business Advisory firm that supports veterinary hospitals with financial strategy, tax planning, and outsourced accounting.If your schedule feels overloaded or you're struggling to step back from day-to-day tasks, this episode will help you create a healthier and more sustainable way of working for yourself, your team, and your patients.Tune in now to the newest episode of The Veterinary Survival Show.

What happens when technical excellence meets deep human empathy? In this episode, Carl Richards, CFP®, author of Your Money and creator of the famed "Sketch Guy" column in The New York Times, joins host Cary Sinnett to explore how CPA financial planners can foster trust through simplicity, storytelling, and purposeful conversation. Carl shares how sketches can cut through complexity, how planners can create space for real client understanding, and why listening with intention may be your most powerful technical skill. Whether you're coaching a client through uncertainty or explaining a nuanced tax strategy, Carl shows how precision with purpose is the future of trusted planning. You'll Learn in This Episode: Why financial planners are in the behavior change business Carl challenges CPA financial planners to see their role not just as experts, but as guides who help clients change the way they think and act with money. How technical precision with purpose can lead to greater outcomes Carl explains how our drive for technical perfection can sometimes overshadow the deeper emotional and behavioral work required to truly serve clients well. Practical ways to build trust through clarity and vulnerability Learn how to shift your communication from "Here's the solution" to "Let's explore this together"—and how that builds long-term trust. Whether you're a numbers-first technician or a holistic planner striving to connect more deeply with clients, this episode offers both insight and inspiration. Resources: Podcast: Turning Panic into Trust Video: Old Problems, New Solutions: Techniques for Solving Concentrated Stock Positions Podcast: The why, what, and how behind legacy planning for your clients This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.    

Artificial intelligence is transforming how CPA financial planners approach research, analysis, and communication. In this episode, Chris Benson shares how he moved from curiosity to confident integration of AI in his daily practice. He explains how AI helps him generate first drafts of client communication, brainstorm planning strategies, and reduce research time from hours to minutes. Chris also provides a balanced perspective on data privacy, compliance risks, and how planners should evaluate new tools without getting distracted by every new release. Whether you are just beginning to explore AI or already incorporating it into your workflows, Chris's insights will help you find practical, responsible ways to harness the power of AI in your practice. Topics Covered How to begin experimenting with AI as a CPA financial planner The role of AI as a research assistant, communication partner, and brainstorming tool Time-saving examples from client questions, financial modeling, and planning scenarios Risks related to privacy, cybersecurity, and client impersonation Cautious evaluation of emerging AI tools and what to look for in early demos A realistic forecast for how AI may be embedded in future tax and planning software AICPA Resources: Upcoming webcast: AI & Technology updates for PFP   Resources:      AI Tax Resource Center                         Empowering tax professionals with AI                         Leveraging Generative AI                         Business in the age of AI                         Getting started with generative AI/ChatGPT This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

Andrea Millar, CPA/PFS, thought she knew what really mattered. Getting good grades in school and going above and beyond at work were part of her being. But she came to the realization that work was consuming her life, at the expense of other things she cared about. Millar wrote about that experience, and some of the changes she made to create a more fulfilling life, in a recent JofA article. She also joined the JofA podcast to discuss the topic. What you'll learn from this episode: An explanation of how work can "unconsciously" take over our lives. Understanding the "default state" of being and how it can explain why we might overwork. How a shift to the "experiencing stage" allows us to align time and energy differently. Why Millar stresses self-awareness as an important first step of changing habits. The award that Millar's article won in a recent media and publishing competition.

Jimmy Williams, CPA/PFS, shares how the role of the CPA is evolving from compliance technician to holistic financial planner. In this episode, Jimmy and host Cary Sinnett explore how trust, technical excellence, and human connection are converging in a new era of planning, and why CPAs are uniquely positioned to lead it. ·       Learn how CPAs can step into their fullest potential as advisors. ·       Hear about the added value to your clients and to your practice. ·       Discover what's driving this shift—and what's holding some back. ·       Gain insight into delivering deeper value through personal connection. ·       Explore the future of the profession and how you can be part of it. AICPA Resources: Article:  Member perspectives: Get support with the PFP Section Article: Raising awareness of the importance of PFP through the CPA Exam Video: Use your client's tax return to provide valuable financial advice Upcoming event: Rise2040: Shaping the Future of Finance and Accounting Article: Sid Kess on the History and Future of CPAs in Financial Planning Article: Get to know your community & learn from each other in this series This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  

Bob Keebler joins Cary Sinnett to unpack why this year-end is anything but routine.  With shifting tax thresholds and surprise penalties lurking under the surface, every decision matters more than ever.  This rapid-fire episode arms CPA financial planners with critical year-end strategies, from Roth conversions to trust distribution traps.  Don't miss your chance to finish strong and plan ahead with confidence. AICPA Resources: Article:  Tax code changes: What H.R. 1 means for you and your clients Article: Tax Trifecta Trust after H.R. 1, known as the One Big Beautiful Bill Act Chart: PFP Tax Bracket Management Chart This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice.  Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients.  Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.

When families look to CPA financial planners, they're often asking more than just tax or investment questions. They want to know: Will my kids be ready when it's their turn to inherit? In this episode, Cary Sinnett welcomes Mindy Kalinowski Earley, consultant to ultra-high-net-worth families and Chief Learning Officer at Family Office Exchange. With two decades of experience at the intersection of family dynamics and education, Mindy challenges planners to move beyond balance sheets and into legacy stewardship. Together, they explore: ·       Why preparing heirs is about purpose, values, and emotional intelligence—not just financial literacy. ·       How advisors can help design learning experiences that build resilience, trust, and stewardship across generations. ·       The hidden lessons families pass down through behavior and how advisors can help surface values more intentionally. ·       Practical ways to start the conversation about rising-generation education with clients. For CPA financial planners, this conversation offers insight into one of the most complex and rewarding areas of planning: ensuring that wealth transitions are not just tax efficient, but truly human-centered. Resources: Podcast: How to talk to your kids about your estate plan Podcast: Guiding families in their philanthropic endeavors Article: Talking to your kids about money Video: Financial independence: Rethinking retirement Video: Discover how to hae impactful legacy conversations This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.    

In this episode, Benjamin Alarie, CEO and co-founder of Blue J, and Ashley Francis, CPA/PFS, owner of The Francis Group, PLLC, discuss the integration of artificial intelligence (AI) in tax research. They sift through the best practices for using AI tools, the importance of asking the right questions and the future of AI in the tax profession. The conversation also touches on the potential risks and cautions associated with using AI, emphasizing the need for professional judgment and client confidentiality.  What you'll learn from this episode:  How to integrate AI tools into your tax research workflow Ways to evaluate AI output to determine accuracy The top cautions and risks associated with using AI for tax research The future of AI in tax research AICPA and CPA.com resources Artificial Intelligence (AI) Tax Resource Center — Explore the AI Tax Resource Center for insights, tools and guidance on leveraging artificial intelligence to optimize tax practices and enhance compliance. The future of tax research: Frameworks, use cases, and best practices for AI research — A practical framework to evaluate, adopt and scale AI-powered research tools Bartlett, Pringle, and Wolf (BPW) Case Study: Learn how BPW turned to Blue J to confidently embrace generative AI — gaining instant, verifiable tax answers and high-quality drafts without compromising accuracy or authority Blue J AI Tax Research — Sign up today to access preferred pricing through the CPA.com partner program. Keep your finger on the pulse of the dynamic and evolving tax landscape with insights from tax thought leaders in the AICPA Tax Section. The Tax Section Odyssey podcast includes a digest of tax developments, trending issues and practice management tips that you need to be aware of to elevate your professional development and your firm practices. This resource is part of the robust tax resource library available from the AICPA Tax Section. The Tax Section is your go-to home base for staying up to date on the latest tax developments and providing the edge you need for upskilling your professional development. If you're not already a member, consider joining this prestigious community of your tax peers. You'll get free CPE, access to rich technical content such as our Annual Tax Compliance Kit, a weekly member newsletter and a digital subscription to The Tax Adviser.

About Alana Heim:Alana Heim, CPA/PFS, CFP®, fuses financial expertise with business energetics so business owners achieve authentically aligned prosperity. As a Cosmic Prosperity Activator, she guides entrepreneurs to align their energetic blueprint with business strategy, enabling them to work smarter—not harder—and transform their relationship with self, and money, to create sustainable success. In this episode, Jennie Bellinger and Alana Heim discuss:Energy alignment in business successHuman design and intuitive decision-makingPresence and discerning personal vs. external stressInfinite patience brings immediate resultsEmbodied ascension in entrepreneurship Key Takeaways:Understand your unique energy blueprint.Presence is a powerful business tool, and by staying grounded and aware, you can pick up subtle cues and respond more authentically in sales conversations.Learning to discern whether emotions and anxieties are truly yours can help you maintain energetic boundaries.Infinite patience trumps forced action, and allowing things to unfold naturally, instead of pushing against the current, can lead to more effortless success.Embracing your unique approach and intuition can transform how you show up professionally and create more meaningful connections. "You've been told and conditioned to make decisions from your head, act impulsively, and be quick on your feet. I will tell you that 100% of our population is not meant to make decisions from our head; We are not, we are meant to go within.” — Alana Heim Connect with Alana Heim:  Facebook Name: https://www.facebook.com/heimalana/Facebook Business Page: https://www.facebook.com/ProsperityAlignment/LinkedIn URL: https://linkedin.com/in/alanaheimInstagram Business Link: instagram.com/prosperityalignment/  Connect with Jennie:Website: https://badassdirectsalesmastery.com/Email:  jennie@badassdirectsalesmastery.comFacebook personal page: https://facebook.com/jbellingerPLFacebook podcast page: http://facebook.com/BadassDirectSalesMasteryFacebook group for Badass Crew: https://facebook.com/groups/BadassDirectSalesMomsInstagram: https://instagram.com/BadassDirectSalesMasteryPersonal Instagram: https://www.instagram.com/thedirectsalesdomme/LinkedIn: https://linkedin.com/in/BadassDirectSalesMastery The Badass Direct Sales Mastery Podcast is currently sponsored by the following:Bella Grace Elixir: https://shopbellagrace.com/?ref=jenniebadassdirectsalesmasteryLeadBuddy Digital Marketing: Use code BDSM when checking out at https://leadbuddy.io/pro-monthly-9310?am_id=jennie582  Show Notes by Podcastologist: Hanz Jimuel Alvarez Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Jeff Levine joins us to break down one of the most surprising features of the new tax law: a brand-new type of deduction that could significantly change the way we think about AGI thresholds, phaseouts, and entity planning. In this episode, we unpack how the latest changes in the tax code are opening up advanced strategies for clients, and where financial planners need to stay sharp to avoid stealth cliffs and missed opportunities. Key Topics Covered: The new above-the-line deduction and who can benefit Planning around AGI phaseouts and stealth tax cliffs Leveraging non-grantor trusts for charitable and income planning Avoiding estate planning complacency amid exemption increases Rethinking entity structure in light of expanded QSBS rules Resources: Planning after tax changes Podcast: BBB Crossover Special A summary for tax planning This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.  

When disaster strikes—wildfire, flood, earthquake—will your clients' finances survive the storm? In this episode, host Cary Sinnett speaks with Mitch Freeman, CPA/PFS, a nationally recognized advisor with firsthand experience navigating the financial aftermath of natural disasters. Mitch shares practical insights on: ·       Proactive steps to prepare clients financially for disasters ·       Insurance challenges in high-risk areas ·       How private adjusters can ease post-disaster stress ·       Essential documents and checklists every client should have ready With over 60 years in the profession, Mitch offers hard-won wisdom and actionable advice to help CPA financial planners build financial resilience into every plan. Resources:        Disaster preparedness        Aftermath of a natural disaster checklist        Dealing with catastrophic property loss        Disaster management essentials for CPAs        A primer on disaster planning, relief, and recovery with a CPA        Disaster Relief Resource Center        State Disaster Tax Relief Guide        AICPA Benevolent Fund – Disaster Support Application This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.  

The One Big Beautiful Bill Act is no longer a proposal, it's the law. That means CPA financial planners must shift gears fast. In this special crossover episode of the AICPA Personal Financial Planning Podcast and the AICPA Tax Odyssey Podcast, host Cary Sinnett is joined by nationally recognized experts Bob Keebler and Mark Gallegos to break down what the new law really means for your clients and your planning strategies. From the permanent TCJA tax brackets and QBI deduction to enhanced SALT caps, PTET elections, and new income exclusions for tips and overtime, this episode delivers high-level insights you can act on immediately. You'll also hear forward-looking guidance on Roth conversions, entity structure decisions, estate and gifting strategies, and what Medicaid reforms mean for clients with multigenerational care responsibilities. This is the must-listen briefing every CPA financial planner needs right now. Resources: 2025 Reconciliation charts Planning for tax changes and tax reform 2025 House tax bill This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.  

In this joint episode with the Personal Financial Planning (PFP) Section podcast, host Cary Sinnett, Senior Manager, Personal Financial Planning — AICPA & CIMA, further discusses the latest tax legislation with guests Mark Gallegos, CPA, MST, Partner — Porte Brown and Robert Keebler, CPA/PFS, MST, AEP (Distinguished), CGMA. Hear insights on the recently passed tax legislation, implications for clients and important considerations for tax professionals now that the bill has been passed signed into law on July 4, 2025.    What you'll learn from this episode: Discussion of what the permanent TCJA tax brackets and QBI deduction mean for tax planning  Details on the new income exclusions for tips and overtime Topics important to discuss with clients, including Roth conversions, entity structure decisions, as well as estate and gifting strategies AICPA resources 2025 Reconciliation Charts: Key Tax Provisions and PFP Considerations — Tax and PFP downloadable charts provide clear, side-by-side comparisons of current tax law, the original H.R. 1 provisions and the Senate's reconciliation version — highlighting where they align or diverge — and outline the final legislation Planning after tax changes — CPAs need to not only brace for tax law changes but also be proactive in planning for them. Find more resources here to learn more about the latest updates.  2025 Tax Reform Advocacy — The AICPA tax advocacy library on current tax reform developments that Congress is considering in 2025. FAQs on Tax Reform via Budget Reconciliation — Tax reform FAQs that explain the budget reconciliation process, legislative timing, key issues and practical tips for CPAs.   Tax Section news and member FAQ — Get the latest tax news, a digest of key tax topics and commonly asked questions about resources and benefits.

In this joint episode with the Personal Financial Planning (PFP) podcast, host April Walker, CPA, CGMA, Senior Manager — AICPA & CIMA, discusses the latest tax legislation with guests Mark Gallegos, CPA, MST, Partner — Porte Brown and Robert Keebler, CPA/PFS, MST, AEP (Distinguished), CGMA. Hear insights on current tax legislation, implications for clients and important considerations for tax professionals.   What you'll learn from this episode:  The next steps for this pending legislation Key points about state and local tax (SALT) cap, pass-through entity tax (PTET) and Sec. 199A, Qualified Business Income (QBI) provisions Legislative take on Sec. 174 R&E expenditures Other important conversations that may be necessary in the coming months   AICPA resources   2025 Reconciliation Charts: Key Tax Provisions and PFP Considerations — Tax and PFP downloadable charts provide clear, side-by-side comparisons of current tax law, the proposed changes in H.R. 1 and how the Senate Finance Committee's proposal aligns or diverges with H.R. 1.   Planning for tax changes and tax reform — CPAs need to not only brace for tax law changes such as the Tax Cuts and Jobs Act (TCJA) and expiring provisions but also be proactive in planning for them. Find more resources here to learn more about the latest updates.   AICPA submits recommendations to Senate Finance Committee on reconciliation bill — The AICPA submitted a letter to Senate Finance Committee leadership outlining its endorsements, concerns about the PTET SALT deduction and a request for clarification and two additional recommendations.   2025 Tax Reform Advocacy — The AICPA tax advocacy library on current tax reform developments that Congress is considering in 2025, including the expiring provisions of the TCJA.   FAQs on Tax Reform via Budget Reconciliation — Tax reform FAQs that explain the budget reconciliation process, legislative timing, key issues and practical tips for CPAs.     Tax Section news and member FAQ — Get the latest tax news, a digest of key tax topics and commonly asked questions about resources and benefits.  

When markets are volatile, your clients look to you for clarity—but before they can truly hear your technical advice, they may need something deeper: to feel emotionally steady and heard. In this episode, Dr. Meghaan Lurtz, behavioral scientist and partner at Shaping Wealth, joins host Cary Sinnett to explore the power of a question-led approach for CPA financial planners. You'll learn how leading with well-timed questions—not immediate answers—can reduce client panic, build trust, and actually enhance the effectiveness of your financial guidance.

When the markets swing, smart estate planning can make or break your client's legacy. In this episode, Bob Keebler, CPA/PFS, joins Cary Sinnett to reveal the overlooked tax moves CPA financial planners need to know—from the strategic use of the Alternate Valuation Date (AVD) to avoiding costly missteps with the Kenan Doctrine. Learn how the 645 election can shift tax treatment in your favor, why timing and valuation matter more than ever, and how to deliver sharp planning with empathy during emotional times. If you advise estates in a volatile market, these insights could reshape your postmortem playbook.

Doug Hepburn, CPA/PFS, CFP of Hepburn Financial Advisors talks with Robin Bond, Esq. of Transition Strategies about employment issues, then they interview Aaron Cirksena, CEO of MDRN Capital about retirement planning and with ideas to deal with it. The post Money Matters TV 25-18 Cirksena appeared first on Money Matters TV.

Doug Hepburn, CPA/PFS, CPA of Hepburn Financial Advisors talks with Robin Bond, Esq. of Transition Strategies, LLC about employment in these times with points being: have a good relationship with your boss, and put the spot light on you. Later … Continue reading → The post Money Matters TV 25-14 Provost appeared first on Money Matters TV.

As CPA financial planners, we often encounter a painful reality: adult children who are surprised, or even hurt, by their parents' estate plans—after it's too late for discussion. In this episode, Cary Sinnett speaks with Kelley Long, a respected fee-only financial wellness coach and former bank trust officer, about how proactive communication can help families preserve relationships and honor intentions. Kelley offers practical, thoughtful strategies for advisors to help clients initiate and navigate these conversations. Topics include: The ideal timing for involving heirs in estate planning discussions Balancing fairness and transparency, especially when distributions are unequal How to help clients overcome the fear of conflict or entitlement The importance of framing the conversation around values and legacy, rather than specific financial details The role of ethical wills in clarifying intent and reducing misunderstandings Key Insight: Estate planning is not just a legal or financial process—it's a relational one. When clients are supported in sharing their intentions and values clearly, the outcome is not just a smoother transition of wealth, but a stronger foundation for family unity. Resources: Guide: The Adviser's Guide to Financial & Estate Planning – 15th Ed – Vol. 1 Podcast: Estate planning conversations all clients need to have now This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.  

In this thought-provoking episode, Dr. Meghaan Lurtz joins Cary Sinnett to explore a deceptively simple concept with powerful implications: financial gratitude. Discover how shifting the conversation from scarcity to sufficiency helps clients make better long-term decisions, build trust, and find meaning in their financial journey—especially in volatile times.

Host Cary Sinnett and business transition advisor Mike Benedict discuss how to prepare business owners for one of their largest lifetime transactions—exiting their business. The conversation covers key aspects of pre-transaction preparation, valuation methods, building a sell-ready business, and leveraging tax strategies to maximize outcomes. Key Insights Pre-Transaction Preparation: Use a thorough quality of earnings review—similar to staging a home—to highlight strengths and avoid surprises during due diligence. Integrated Planning: Blend exit strategies with overall financial and estate planning to manage tax implications and valuation challenges seamlessly. Realistic Valuation: Rely on recast financials and market comparable to determine a fair, median value that avoids skew from outlier offers. Sell-Ready Business: Aim for a business that operates independently, with strong margins and a robust management team, to attract quality buyers. Strategic Tax Optimization: Apply targeted tax strategies and leverage specific IRS elections to minimize capital gains and enhance the net proceeds from a sale. Access resources related to this podcast: Note: If you're using a podcast app that does not hyperlink to the resources, visit Libsyn (PFP) to access show notes with direct links. Guide: The Adviser's Guide to Financial & Estate Planning – 15th Ed Podcast: Building business owner wealth with tax advantaged plans Podcast: Deeper CPA financial planner connections with Mackey McNeill This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online at www.aicpa.org/pfp to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.

Will your taxes go up? Stay the same? Go down, even? Jeffrey Levine is Chief Planning Officer at Focus Partners, Professor of Practice in Taxation at the American College of Financial Services, and the Lead Financial Planning Nerd at Kitces.com. In other words, he's one of the savviest tax minds in the country. Jeff returns to the show today on Your Money, Your Wealth® podcast number 524 with Joe Anderson, CFP® and Big Al Clopine, CPA, with his thoughts on what will happen to taxes under the new administration, saving for retirement in a Roth IRA vs. a traditional IRA, managing inherited retirement accounts, and the future viability of Social Security. Plus, what should you do with required minimum distributions when you don't need the money to live on? How do you calculate the maximum amount you should convert from your retirement account to a tax-free Roth account, and how much should you convert - or not - to keep RMDs under control? Finally, how can minor beneficiaries avoid probate? Free financial resources & episode transcript: https://bit.ly/ymyw-524 LIMITED TIME SPECIAL OFFER: DOWNLOAD The DIY Retirement Guide by Friday April 11, 2025! WATCH Take Control of Your Retirement Plan on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:05 - Will These Historic Low Tax Rates Be Extended? Insight from Jeff Levine, CFP®, CPA/PFS, ChFC®, RICP®, CWS, AIF, BFA™, MSA 19:54 - Make These 3 Investments for a Happy Retirement and Watch Take Control of Your Retirement Plan on YMYW TV 21:06 - What to Do With Required Minimum Distributions When You Don't Need the Money to Live On? (Judi, San Diego) 24:40 - How Much NOT to Convert to Roth to Keep RMDs Under Control? (DH from SoCal) 32:26 - LIMITED TIME SPECIAL OFFER: Download the DIY Retirement Guide by Friday, April 11, 2025! 33:39 - How to Calculate How Much Roth Conversion I Should Do? (Joe, voice) 38:42 - How Can I Reduce My Required Minimum Distributions? (Joel, CA) 40:18 - How Can Minor Beneficiaries Avoid Probate? (Esther, San Francisco) 46:04 - YMYW Podcast Outro

In this episode, Cary Sinnett is joined by renowned CPA and tax expert Bob Keebler to unpack the complexities of theft and casualty loss deductions under IRC Section 165. From pig butchering scams to IRA fraud and Ponzi schemes, this episode dives deep into the kinds of losses the IRS will—and won't—let you deduct, what qualifies as a profit motive, and how financial planners can guide their clients through one of the most emotionally and financially painful tax situations. Five Key Insights for CPA Financial Planners: Profit Motive Determines Deductibility To qualify under Section 165(c)(2), a theft or loss must stem from a transaction entered into for profit. Losses from romantic or emotional scams—where no profit motive exists—do not qualify. Five Scam Archetypes to Know A recent IRS CCA outlined five fraud scenarios: Compromised account scams Pig butchering (crypto fraud) Phishing and impersonation Romance scams Kidnapping/extortion schemes Only the first three had profit motives and were deductible. The IRA Trap: The Tax Hit Before the Scam If a client is duped into withdrawing funds from an IRA and then loses the money to a scam, they face a double blow—taxable income and no deductible loss. CPA advisors must flag this risk early. Documentation Is Critical for IRS Support To substantiate a theft loss, clients need: Bank records (e.g., wire transfers) Law enforcement reports A clear, detailed paper trail showing the loss and the attempt to recover funds Directing the IRS to the assigned FBI agent can strengthen the claim. Mitigation and Planning: Protecting Vulnerable Clients Encourage older or high-net-worth clients to follow a “1–2% rule” on risky investments. Foster opens dialogue with family members and advisors to prevent fraud and ensure support if it occurs. Access resources related to this podcast: Note: If you're using a podcast app that does not hyperlink to the resources, visit Libsyn (PFP) to access show notes with direct links. IRC Section 165 IRS CCA 2025-101015 (the ruling discussed) Revenue Procedure 2009-20 (Ponzi Scheme Safe Harbor) AICPA PFP Section Guiding your clients who are financial caregivers Scam Tracker Risk Report This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.  

In this episode of the AICPA Personal Financial Planning Podcast, host Cary Sinnett speaks with expert CPA estate planner Bob Keebler about the latest legislative efforts to repeal the estate tax. They discuss the implications for financial planners, strategies to consider, and how advisors can proactively help clients navigate potential changes. Key Takeaways: Estate Tax Repeal on the Horizon Bills have been introduced in Congress to repeal the estate tax while retaining the gift tax and repealing the generation-skipping transfer (GST) tax. The likelihood of repeal is uncertain, and any repeal may be temporary depending on future political shifts. Potential Scenarios for Estate Tax Reform Three possible outcomes: extension of the current Tax Cuts and Jobs Act (TCJA), total repeal, or a sunset of the current exemption levels. A sunset would likely be the least favorable for high-net-worth individuals, while total repeal could create new planning challenges. Implications for Estate Planning Strategies Portability rules could be affected, potentially eliminating the ability for a surviving spouse to use a deceased spouse's unused exemption. Trust structures, such as bypass and GST-exempt trusts, may need to be reviewed and adjusted before any legislative changes take effect. Planning Ahead: A Limited Window for Action Advisors should consider creating GST-exempt trusts in 2025 before any repeal is enacted to preserve tax benefits. Reviewing and updating existing estate planning documents is critical to avoid unintended consequences if the tax law changes. Access resources and events related to this podcast: Note: If you're using a podcast app that does not hyperlink to the resources, visit Libsyn (PFP) to access show notes with direct links. Understanding Estate Tax Sunset | Navigating Tax Changes for Expiring TCJA Provisions Estate planning for the TCJA sunset of the double exclusion amount Planning for tax changes and tax reform This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.      

Cary Sinnett and Dan Snyder discuss the repeal of the Government Pension Offset (GPO) and Windfall Elimination Provision (WEP), major changes impacting public workers, spouses, and retirees. Learn who is affected, how to claim retroactive payments, and key financial planning strategies. Key Takeaways: Who's Affected? Retired public workers, teachers, police, firefighters, and spouses previously impacted by GPO/WEP. What Changed? The Social Security Fairness Act (Jan 2025) repeals GPO & WEP, allowing full Social Security benefits. Retroactive Payments: Eligible recipients may receive lump sums dating back to Jan 2024. Apply immediately to maximize benefits. Tax Planning Alert: Lump sums are taxable with no withholding—prepare for potential Medicare IRMAA impacts. Action Steps for Advisors: Identify affected clients, review tax strategies, and ensure timely applications. Access resources and events related to this podcast. Note: If you're using a podcast app that does not hyperlink to the resources, visit Libsyn (PFP) to access show notes with direct links: Guide: Social Security Planning Webcasts: How to Guide Clients Through the Maze of Social Security Decisions IRS Publication 915: Social Security and Equivalent Railroad Retirement Benefits This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online at www.aicpa.org/pfp to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.

Episode 249FACULTY: Shane Mason, CPA/CFPCLASS: #ShoperationsJoin us in this Shoperations episode as we learn from Shane Mason of Brooklyn FI and his venture into software. Shane shares insights into the company's growth, handling rapid expansion, and the importance of predicting the future over dwelling on the past. Discover how Brooklyn FI is navigating industry shifts, introducing new partners, and staying ahead with innovative solutions like Gemifi. Perfect for students and professionals eager to learn about financial planning, startup struggles, and the evolving landscape of tech-driven advisory services.

Rebuilding your finances after a disaster can feel overwhelming, but you're not alone. The Friends Talk Money crew sits down to learn more from Wealthramp-network advisor Mitchell Freedman, CPA/PFS, who's lived through this before himself. His personal and practical tips on preparing for and recovering from financial crises are invaluable. Mitch highlights how working with a fee-only fiduciary financial advisor can help those affected by a disaster recover financially. Listen to learn more!

Erica sits down with Luke Sauter, a CPA, PFS, and investment advisor who shares insights on the intricacies of financial planning, emphasizing the importance of choosing a trustworthy fiduciary who provides consistent, transparent, and comprehensive wealth management services.   00:43 Meet Luke Sauter: CPA and Financial Specialist 02:34 A Personal Journey: From Corporate to Consulting 04:54 Understanding Financial Designations and Trust 09:37 The Role of a Fiduciary and Financial Planning 16:03 Building Trust and Transparency in Financial Advisory 20:56 The Importance of Regular Communication with Advisors 26:30 The Advisor Mindset Shift 27:13 Transactional vs. Relational CPA Models 28:26 The Importance of Integrated Wealth Management 32:37 Financial Planning for Different Net Worths 36:58 Understanding AUM and Fee Structures 49:59 Choosing the Right Financial Advisor 56:13 Conclusion and Contact Information   Get my Monthly Newsletter here ____________________ Connect with Luke | Website | LinkedIn | Facebook | Instagram | YouTube Connect with Erica | LinkedIn | Website | Newsletter   Disclaimers: Vidarrow Investment Advisors is a Registered Investment Adviser in the state of Illinois. Advisory services are only offered to clients or prospective clients where Vidarrow and its representatives are properly registered or exempt from registration. This podcast is for informational purposes only and does not constitute individualized advice or a guarantee that you will achieve a desired result. You should consult with appropriate tax and/or financial advisors for advice specific to your situation. All expressions of opinion reflect the judgment of the host/interviewee on the date of the program and are subject to change. Luke Sauter is an investment adviser representative of Vidarrow. The firm is a registered investment adviser and only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Discussions should not be construed as an offer to buy or sell, or a solicitation of an offer to buy or sell the investments mentioned. A professional adviser should be consulted before implementing any of the strategies discussed. Investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio. All investment strategies can result in profit or loss.  

Download Chris's FREE E-Book on “How To Find Ultra High Net Worth Clients" fromhttps://UHNWC.com/  Joanne Burke (https://birchstreetadvisors.com/) is a founder and wealth advisor serving clients at Birch Street Financial Advisors in Vienna, VA, and the surrounding communities. She is also a member of the Financial Planning Association. Navigating taxes led her to a passion for financial planning, from KPMG to founding Joanne Ehreth Burke CPA PLLC and Birch Street Financial Advisors. Holding the CERTIFIED FINANCIAL PLANNER™ and CPA/PFS designations, Joanne specializes in strategies for pre-retirees and retirees. She is actively engaged in professional organizations and brings a holistic approach to financial guidance. In this episode, Joanne and Chris discuss:1. Why Financial Advisors Should Master Tax Planning2. More to Family, Less to Uncle Sam3. How to Leverage CPA Referrals to Grow Your Financial Advisory Business4. The Key to Building Long-Term Client Relationships in FinanceLinkedIn:https://www.linkedin.com/in/joanne-burke-cfp%C2%AE-cpa-pfs-mtax-15a8a85/ Website:https://birchstreetadvisors.com/ Maximize your marketing, close more clients, and amplify your AUM by following us on: Instagram: https://instagram.com/ultrahighnetworthclients TikTok:https://tiktok.com/ultrahighnetworthclients YouTube:https://www.youtube.com/@uhnwcFacebook:https://www.facebook.com/UHNWCPodcast Twitter:https://twitter.com/uhnwcpodcast iTunes: https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400Spotify:https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDrWebsite:https://uhnwc.com Work with us:https://famousfounder.com/fa DISCLAIMER: This content is provided by Chris Brodhead for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. 

This milestone episode celebrates 30 years of professional growth and client success, highlighting the dynamic evolution of the financial planning profession and the firm's commitment to innovation and excellence. Five Key Takeaways: The Evolution of a Career in Financial Planning: Growth and succession is vital for a long-lasting impact. Lyle Benson introduces his son Chris. Chris Benson shares his journey from aspiring engineer to CPA financial planner, highlighting the pivotal moments that shaped his career, including his transition from a large CPA firm to the family firm. The Critical Role of Tax Planning: Tax returns form the foundation of the firm's financial planning process. Tax strategy is woven into every aspect of wealth management, creating a seamless, cyclical approach to client service. Fixed Fees vs. AUM Model: The firm operates on a fixed-fee model, aligning services with client value while minimizing conflicts of interest, offering an alternative to traditional AUM-based fees. Technology Transforming the Profession: Advances in technology, such as digital systems and portfolio management tools, have revolutionized client service and firm efficiency. AI is seen as an augmentation tool rather than a replacement for human advisors. The Value of Community and Professional Networks: Active involvement in organizations like the AICPA and peer study groups has provided invaluable support, resources, and growth opportunities for both Chris and the firm. Access resources related to this podcast: Note: If you're using a podcast app that does not hyperlink to the resources, visit Libsyn (PFP) to access show notes with direct links. Innovative Technology for Integrated Tax and Financial Planning Building a financial planning and tax business Investment advisory business models Build your tax and financial planning advisory services PFP/PFS Drop-in Session - February 26, 2025, at 3pm ET Listen to other episodes in the Deeper CPA Financial Planner Connections podcast series. This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online at www.aicpa.org/pfp to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.

Episode 234 FACULTY: Matt Kidd, CPA CLASS: #Shoperations In this throwback to Sons of CPAs, Scotty chats it up with Matt about his two CPA brothers, diving into how they each built successful practices, inspired by their CPA father. They talk about managing and transitioning CPA firms, incorporating wealth management, modernizing traditional practices, tax season, and client relationships. Tune in for a comprehensive view on growing a client-centric, million-dollar CPA practice, with insights on practical strategies and overcoming challenges in the accounting profession.

On this episode of The Active Advisor podcast, host Bryan Moore chats with Jason Archambault, CFP, CPA/PFS, and Matthew Neyland, CFA, CAIA, of SKWealth Management. Jason and Matthew discuss ​​their integrated approach to wealth management and financial planning, as they share insights on investment management, client goals, and the importance of a holistic perspective.