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Congratulations, you've built up a good-sized nest egg of wealth! Now, what are the risks you need to watch out for. Obviously, there are a variety of ways people lose money. Vices, scams, etc. However, today we will be discussing the major risks to a financial plan that we can plan for. On this episode of Through The Pines we'll cover risks that threaten wealth building including… Inflation Stock Market Fluctuation Risk Sequence of Returns Risk Distribution Rate Risk Interest Rate Risk Credit Risk Concentration Risk Liability Risk let's dive in! Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while playing pickleball by himself, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Congratulations, you've built up a good-sized nest egg of wealth! Now, what are the risks you need to watch out for. Obviously, there are a variety of ways people lose money. Vices, scams, etc. However, today we will be discussing the major risks to a financial plan that we can plan for. On this episode of Through The Pines we'll cover risks that threaten wealth building including… Inflation Stock Market Fluctuation Risk Sequence of Returns Risk Distribution Rate Risk Interest Rate Risk Credit Risk Concentration Risk Liability Risk let's dive in! Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while playing pickleball by himself, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
For over 25 years, Tyson Ray has sat in the same seat many entrepreneurs find themselves in today: running a successful business, serving clients at the highest level, and facing the question of what comes next.As co-founder and CEO of FORM Wealth Advisors, Tyson has led through market cycles, built a multigenerational team, acquired firms, and guided clients through every kind of transition. He spent years focused on everyone else's future until he realized his own succession plan wasn't where it needed to be.That moment became the foundation for the SPACE Framework™ (See, Prepare, Act, Commit, Exit), which Tyson shares in his latest book Total Succession. Built for advisors who care deeply about their clients, their teams, and the legacy they leave behind, it offers a clear path to exit with confidence and full compensation.Tyson holds advanced credentials from the Yale School of Management and the Business Enterprise Institute, along with his CFP®, CIMA®, and CExP® designations. His work has earned national recognition, including:• Barron's Top 1,200 Advisors (2021–2024)• Forbes Best-in-State Wealth Advisor (2018–2024)• AdvisorHub Top 150 Advisors to Watch Under $1B (2024)• Chairman's Council Advisor (2005–2024)Beyond the business, Tyson is co-founder of Children's World Impact, a nonprofit providing global humanitarian aid. His leadership there has been recognized with the Invest in Others Global Community Impact Award and REP. Magazine's Advisor with a Heart.Learn more: http://totalsuccession.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tyson-ray-co-founder-and-ceo-of-form-wealth-advisors
For over 25 years, Tyson Ray has sat in the same seat many entrepreneurs find themselves in today: running a successful business, serving clients at the highest level, and facing the question of what comes next.As co-founder and CEO of FORM Wealth Advisors, Tyson has led through market cycles, built a multigenerational team, acquired firms, and guided clients through every kind of transition. He spent years focused on everyone else's future until he realized his own succession plan wasn't where it needed to be.That moment became the foundation for the SPACE Framework™ (See, Prepare, Act, Commit, Exit), which Tyson shares in his latest book Total Succession. Built for advisors who care deeply about their clients, their teams, and the legacy they leave behind, it offers a clear path to exit with confidence and full compensation.Tyson holds advanced credentials from the Yale School of Management and the Business Enterprise Institute, along with his CFP®, CIMA®, and CExP® designations. His work has earned national recognition, including:• Barron's Top 1,200 Advisors (2021–2024)• Forbes Best-in-State Wealth Advisor (2018–2024)• AdvisorHub Top 150 Advisors to Watch Under $1B (2024)• Chairman's Council Advisor (2005–2024)Beyond the business, Tyson is co-founder of Children's World Impact, a nonprofit providing global humanitarian aid. His leadership there has been recognized with the Invest in Others Global Community Impact Award and REP. Magazine's Advisor with a Heart.Learn more: http://totalsuccession.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tyson-ray-co-founder-and-ceo-of-form-wealth-advisors
9.30.25 Pines Ep. 85 - How Health & Longevity Matters for Wealth-Building On this episode of Through The Pines we'll cover How Health & Longevity Matter for Wealth-Building How Living Longer helps Health Compound Preventative Measures as a Financial Investment Health Savings Accounts Longevity Planning Mental Health & Productivity Long Term Care Workplace Wellness let's dive in! Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while doing his laundry in the stream, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Health is a foundational asset that amplifies financial success. Poor health can derail financial plans through unexpected medical expenses, lost income, or reduced productivity, while good health extends the time horizon for earning, saving, and investing. Exhibit A: Warren Buffett. __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On this episode of Through The Pines we'll cover How Health & Longevity Matter for Wealth-Building How Living Longer helps Health Compound Preventative Measures as a Financial Investment Health Savings Accounts Longevity Planning Mental Health & Productivity Long Term Care Workplace Wellness let's dive in! Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while doing his laundry in the stream, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Health is a foundational asset that amplifies financial success. Poor health can derail financial plans through unexpected medical expenses, lost income, or reduced productivity, while good health extends the time horizon for earning, saving, and investing. Exhibit A: Warren Buffett. __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
AI is fundamentally shifting the landscape of SEO. Are you worried about how to get your website ranked in the age of generative AI?In this breakthrough interview, Stephen Heitz, Chief Innovation Officer at LaVidge, reveals the cutting-edge concept of Predictive SEO. Learn how he's pioneering the use of AI to forecast content ranking before it's even published using proprietary technology like Market Brew and its "digital twin" of a search engine. What You'll Learn: * The end of the old-school discovery journey and the shift in user behavior due to AI tools searching better than humans. * Why search engine optimization is more important than ever, even as paid traffic declines. * The new strategic combination: SEO, Public Relations, and Reputation Management to get authoritative statements about your brand. * The "work slop" problem: how low-effort AI content has destroyed the value of traditional content marketing and why authenticity is key. * How the Market Brew platform uses Particle Swarm Optimization to model a search engine's 35 algorithms and predict content performance in real-time. * Why focusing on strategy and business outcomes is the only way to thrive in the new AI-driven marketing landscape. About the Guest: Stephen Heitz is the Chief Innovation Officer at LaVidge, a top advertising agency in Phoenix, Arizona. He's a Forbes Best of the Web honoree for pushing the boundaries in Martech and won Innovator of the Year. Host: Harrison Painter - AI Adoption Strategist - AI Expert TrainerPodcast: AI for Everyone Podcast - AI Rockstars Interview Series #PredictiveSEO #AIinMarketing #FutureofSEO #ContentStrategy #DigitalTransformation #MarketBrew
On this episode of Through The Pines we'll cover your Ultimate Financial High Level Financial Checklist including… Insurance Emergency Fund Debt Estate Planning Savings Strategies Retirement Financial Goals & Dreams *This is not a comprehensive list, however, it is a really good list to make sure you have your financial bases covered. It's also in a good order of operations. So, grab a note taking tool, a pencil, a notes app, etc. and let's dive in! Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while chopping wood with his bare hands, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Are your insurances in order? Health Insurance Home and Auto Insurance Life Insurance Disability Insurance Is your Emergency fund fully funded? Is your debt appropriate? What kinds of debt Debt to income ratios Is your Estate Planning taken care of? Wills Trusts Etc. Are you taking advantage of Savings strategies available to you? 401k Match HSA Employer Stock Plans Etc. s your Retirement on track? Will you be able to continue your current expenses in retirement What other retirement goals do you have Kids/ Grandkids Education and other savings Other Major Financial Goals Boats, Cabins, vacations Family Foundations Generational Wealth __________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On this episode of Through The Pines we'll cover your Ultimate Financial High Level Financial Checklist including… Insurance Emergency Fund Debt Estate Planning Savings Strategies Retirement Financial Goals & Dreams *This is not a comprehensive list, however, it is a really good list to make sure you have your financial bases covered. It's also in a good order of operations. So, grab a note taking tool, a pencil, a notes app, etc. and let's dive in! Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while chopping wood with his bare hands, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Are your insurances in order? Health Insurance Home and Auto Insurance Life Insurance Disability Insurance Is your Emergency fund fully funded? Is your debt appropriate? What kinds of debt Debt to income ratios Is your Estate Planning taken care of? Wills Trusts Etc. Are you taking advantage of Savings strategies available to you? 401k Match HSA Employer Stock Plans Etc. s your Retirement on track? Will you be able to continue your current expenses in retirement What other retirement goals do you have Kids/ Grandkids Education and other savings Other Major Financial Goals Boats, Cabins, vacations Family Foundations •⁃Generational Wealth This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On this episode of Through The Pines we'll learn how to build wealth in Retirement including… Diversifying Investments Optimizing Withdrawals Generating Passive Income Minimizing Taxes Controlling Expenses Flexible Work Protecting Against Inflation Managing Healthcare Costs Seeking Professional Advice Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while polishes his F1 car, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025 #podcast #money #wealth #retirement #financialplanning #finances #networth
On this episode of Through The Pines we'll learn how to build wealth in Retirement including… Diversifying Investments Optimizing Withdrawals Generating Passive Income Minimizing Taxes Controlling Expenses Flexible Work Protecting Against Inflation Managing Healthcare Costs Seeking Professional Advice Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while polishes his F1 car, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On this episode of Through The Pines we'll dive into how to financially help our adult children How do you see people handle Education expenses for kids or grandkids? When do you see people stop helping their kids with basic monthly expenses? Wedding Expenses? How much do we help with living expenses as kids get married How do you handle emergency situations How do you handle disagreements with how they are spending their money if you are helping them out financially. What do you do when spouses disagree how to help kids? Family Vacations/ Reunions? Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while foraging for hallucinogenic mushrooms, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On this episode of Through The Pines we'll dive into how to financially help our adult children How do you see people handle Education expenses for kids or grandkids? When do you see people stop helping their kids with basic monthly expenses? Wedding Expenses? How much do we help with living expenses as kids get married How do you handle emergency situations How do you handle disagreements with how they are spending their money if you are helping them out financially. What do you do when spouses disagree how to help kids? Family Vacations/ Reunions? Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while foraging for hallucinogenic mushrooms, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On this episode of Through The Pines, we'll provide a Millennial's Guide to Financial Freedom Millennials and Gen Z are navigating a financial landscape marked by high living costs, stagnant wages relative to inflation, and evolving career dynamics (e.g., gig economy, remote work). Recent data highlights their challenges: Student Debt: Over 45 million Americans owe $1.7 trillion in student loans, with Millennials and Gen Z bearing the brunt. Many are delaying major life milestones like buying homes or starting families. Homeownership Barriers: Rising home prices and interest rates (hovering around 6–7% in 2025) make homeownership elusive, especially in urban areas. Retirement Concerns: Only 55% of Millennials have retirement savings, and Gen Z is just starting to grapple with long-term planning, per recent surveys. Economic Optimism: Despite challenges, these generations are entrepreneurial, with 54% of Gen Z expressing interest in side hustles or starting businesses, according to 2024 studies. Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while training in his F1 Ferrari, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025 #podcast #money #wealth #retirement #financialplanning #finances #networth
On this episode of Through The Pines, we'll provide a Millennial's Guide to Financial Freedom Millennials and Gen Z are navigating a financial landscape marked by high living costs, stagnant wages relative to inflation, and evolving career dynamics (e.g., gig economy, remote work). Recent data highlights their challenges: Student Debt: Over 45 million Americans owe $1.7 trillion in student loans, with Millennials and Gen Z bearing the brunt. Many are delaying major life milestones like buying homes or starting families. Homeownership Barriers: Rising home prices and interest rates (hovering around 6–7% in 2025) make homeownership elusive, especially in urban areas. Retirement Concerns: Only 55% of Millennials have retirement savings, and Gen Z is just starting to grapple with long-term planning, per recent surveys. Economic Optimism: Despite challenges, these generations are entrepreneurial, with 54% of Gen Z expressing interest in side hustles or starting businesses, according to 2024 studies. Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while training in his F1 Ferrari, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On this episode of Through The Pines, we'll discuss 5 questions to ask your partner to ensure you're on the same page financially… 1. Hypothetical 2. How much $ do you need? 3. What happens if one of us were to die? 4. What happens if one of us is disabled? 5. How do you feel about our current financial strategy Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while sippin' coffee and listening to a live DJ at Drips with Drops, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On this episode of Through The Pines, we'll discuss 5 questions to ask your partner to ensure you're on the same page financially… 1. Hypothetical 2. How much $ do you need? 3. What happens if one of us were to die? 4. What happens if one of us is disabled? 5. How do you feel about our current financial strategy Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while sippin' coffee and listening to a live DJ at Drips with Drops, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
George Stefanou – First-generation Greek-American, Forbes “Best in State” Next Gen Wealth Advisor (2023, 2024), author of Two Comma Wealth, and founder of the financial planning firm Two Comma Wealth. Early Hustle: Grew up working flea markets, managing a coffee stand by 14, learning firsthand about hard work and margins (selling hundreds of cups from a single bulk bag of beans). Family stress on work ethic over formal education (first in his family to finish high school/college). Mindset & Upbringing: Dad: 4th grade education, Greek immigrant roots, championed U.S. for its opportunity. Education wasn't pressured but encouraged as a path out of manual labor — “you can make a lot more money owning the business than swinging the hammer.” Professional Beginnings: Started at CVS (Florida): progressed from cashier to store management, realized the corporate grind wasn't for him. Discovered financial advising, took the risk, and built a book of clients from scratch despite early financial hardship. Career in Financial Planning: Earned numerous certifications (to build trust while young). Stresses need for lifelong learning and combining IQ and EQ for real success with clients. About Two Comma Wealth (the book): Written for both consumers and industry peers. Focuses on actionable strategies for surpassing $1M net worth, but especially on what changes after you cross that threshold: Complexity, emotional swings with market volatility, nuances around distributions, withdrawal rates, taxes, and estate planning. Challenges of first-generation wealth (scarcity mindset, fear of spending, finding balance between living now and preserving legacy). Aims to demystify wealth management for “everyday millionaires.” Certified Financial Planner Career Path: Entry routes: Broker/dealer, fee-only/RIAs, or hybrid. Education/licensing: Can get entry-level securities licenses in months; advanced credentials (CFP, CFA) take years but build a valuable career “moat.” Highly front-loaded: Most start with low/no pay, lots of cold prospecting, high attrition/turnover. Significant success and six/seven figures possible for those that break through. Modern firms now offer more support, salary, and training versus the old eat-what-you-kill model. The Power of Having a Moat: High difficulty of becoming a trusted CFP means fewer competitors once you succeed, and deeper, more meaningful client relationships. Final Takeaways: CFPs and financial planners can have massive, positive multigenerational impact—if they combine technical skill with empathy and true service. The field is very challenging at first but extremely rewarding. Barriers to entry and trust are a signal that the opportunity is real. Connect with George Stefanou: Book: Two Comma Wealth Contact: Find George on all major social media or email directly (contact in show notes)
Saving money vs spending money - what are the benefits to both saving & spending? On this episode of Through The Pines, we talk to two certified financial planning professionals to get their opinion on saving vs spending: Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while knitting his new wighted blanket to help calm his creeping forest anxiety, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Saving money vs spending money - what are the benefits to both saving & spending? On this episode of Through The Pines, we talk to two certified financial planning professionals to get their opinion on saving vs spending: Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while knitting his new wighted blanket to help calm his creeping forest anxiety, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
What is a Roth IRA, and How can you use a Roth to build wealth? On this episode of Through The Pines, we'll discuss all things Roth IRA's, including… Roth vs. Traditional IRA's What is a Backdoor Roth Contribution? When can you do Roth Conversions? What is a MEGA-Backdoor Roth? Does your 401K Allow Roth's? 3 Money Types in a Roth IRA What is the 5 Year Rule? Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while Rollerblading the Newport Beach Boardwalk, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
What is a Roth IRA, and How can you use a Roth to build wealth? On this episode of Through The Pines, we'll discuss all things Roth IRA's, including… Roth vs. Traditional IRA's What is a Backdoor Roth Contribution? When can you do Roth Conversions? What is a MEGA-Backdoor Roth? Does your 401K Allow Roth's? 3 Money Types in a Roth IRA What is the 5 Year Rule? Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while Rollerblading the Newport Beach Boardwalk, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On today's episode of Through the Pines we'll explore the complexities of debt including: What is debt & why it's not always evil Using debt as a tool for growth Defining the debt that drags you down Recognizing when debt becomes a crisis Understanding the psychology of debt Looking at debt in 2025 Escaping the debt trap Prevention Expert insights Debt Game Plan Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while mastering his pickleball serve, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 _____________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On today's episode of Through the Pines we'll explore the complexities of debt including: What is debt & why it's not always evil Using debt as a tool for growth Defining the debt that drags you down Recognizing when debt becomes a crisis Understanding the psychology of debt Looking at debt in 2025 Escaping the debt trap Prevention Expert insights Debt Game Plan Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while mastering his pickleball serve, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
What you need to know about Estate Settlement including… What is an Estate Settlement What generally needs to happen What happens with your home How personal assets are handled Bank Account transfers IRA Beneficiaries Life Insurance implications Annuity challenges Why you need a Trust Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens making AI photos of himself in public & having a great laugh about it, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
What you need to know about Estate Settlement including… What is an Estate Settlement What generally needs to happen What happens with your home How personal assets are handled Bank Account transfers IRA Beneficiaries Life Insurance implications Annuity challenges Why you need a Trust Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens making AI photos of himself in public & having a great laugh about it, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** What you need to know about Estate Settlement including… What is an Estate Settlement What generally needs to happen What happens with your home How personal assets are handled Bank Account transfers IRA Beneficiaries Life Insurance implications Annuity challenges Why you need a Trust Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens making AI photos of himself in public & having a great laugh about it, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025 This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Financial care for aging parents: tough decisions unveiled… On this episode of Through The Pines, we'll discus some of the biggest financial challenges facing aging parents including: Home Care vs. Care Facility When to add adult kids names to accounts Reviewing your estate plan When do you start thinking about taking the keys away? Senior Fraud Joint meetings with professionals Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while combing out his lovely locks, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Financial care for aging parents: tough decisions unveiled… On this episode of Through The Pines, we'll discus some of the biggest financial challenges facing aging parents including: Home Care vs. Care Facility When to add adult kids names to accounts Reviewing your estate plan When do you start thinking about taking the keys away? Senior Fraud Joint meetings with professionals Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while combing out his lovely locks, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Investing in uncertain times, making sense of markets, emotions, and sticking to timeless strategies to weather the storm On this episode of Through The Pines, we'll discus investing in chaos including: Understanding Market Volatility The emotional Rollercoaster Timeless Strategies That Weather the Storm Investing Trends in 2025 Inflation & Interest Rates Geopolitical Wildcards Learning From the Pros in the Industry Laying out Your “Chaos” Playbook Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while laying out by the pool, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Investing in uncertain times, making sense of markets, emotions, and sticking to timeless strategies to weather the storm On this episode of Through The Pines, we'll discus investing in chaos including: Understanding Market Volatility The emotional Rollercoaster Timeless Strategies That Weather the Storm Investing Trends in 2025 Inflation & Interest Rates Geopolitical Wildcards Learning From the Pros in the Industry Laying out Your “Chaos” Playbook Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while laying out by the pool, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Download Chris's FREE E-Book on “How To Find Ultra High Net Worth Clients" from https://UHNWC.com/ Kevin Kirchheimer (https://www.ameripriseadvisors.com/kevin.w.kirchheimer/) is a Private Wealth Advisor at Jon L Myers and Associates, a financial advisory practice of Ameriprise Financial Services, LLC. With 17 years of experience, he specializes in retirement planning strategies, investments, cash flow management, insurance, and estate planning. Recognized by Forbes as a Best-in-State Next-Generation Wealth Advisor (2019, 2022-2024), Kevin has also contributed to his firm's inclusion in the Forbes Best-in-State Wealth Management Teams list (2023-2025). He is a member of the Financial Advisor IQ Leadership Council.In this episode, Chris and Kevin discuss:1. Surviving the Feast and Famine Cycle of Mergers & Acquisitions2. Developing An Interest In Finance Early In Life3. Building Referral Networks4. How Financial Advisors Can Keep Their M&A Pipeline FullLinkedIn: https://www.linkedin.com/in/kevin-kirchheimer-crpc%E2%84%A2-a0a2ab3b/ Website: https://www.ameripriseadvisors.com/kevin.w.kirchheimer/Book: https://www.amazon.com/Millionaires-Confidence-Cure-Process-Financial/dp/B0DR61RGMQ 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.
Is Your Financial Plan Missing Something Big?What if your retirement plan has a blind spot you didn't know existed?In this enlightening episode, host Cathleen Toomey welcomes wealth management experts Tom Sedoric and Casey Snyder of Clove Hitch Advisors to break down the real secrets of retirement success. With decades of experience and national recognition from Forbes, these two know exactly what can derail even the most prepared retiree---and how to fix it.Tom and Casey dive into the psychology of financial planning, including the dangers of optimism bias and recency bias. They discuss why collaboration with estate planners and accountants is essential, and how to create tax flexibility for a more secure future.You'll learn:Why your plan might not be as resilient as you thinkHow to start the financial conversation with your familyThe critical importance of having a written planAnd how financial advisors themselves can future-proof their businesses
On this episode of Through The Pines, we'll discuss how to build a winning business plan, including… What is an annual Business Plan? Why do you need an annual Business Plan? What benefits do you see from a Business Plan? How do you write a business plan? Mission / Vision Statement Past Goals / Year in Review Current State of Business Future Goals Activities Needed to Achieve those goals Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while puffing on his Beehive branded cigar, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 _________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
On this episode of Through The Pines, we'll discuss how to build a winning business plan, including… What is an annual Business Plan? Why do you need an annual Business Plan? What benefits do you see from a Business Plan? How do you write a business plan? Mission / Vision Statement Past Goals / Year in Review Current State of Business Future Goals Activities Needed to Achieve those goals Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while puffing on his Beehive branded cigar, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2 _________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Win financially in 2025 by mastering the following: Budgeting Pay Yourself First Debt Management / Strategic Borrowing Investing / Wealth Building Understanding Market Trends Income Diversification / Skill Acquisition Personal Financial Growth Set Clear Goals Leveraging Technology Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while sipping mai tai's on the beach, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2024
On this episode of Through The Pines, we'll discuss How to Win Financially in 2025! Including… Creating a Budget Pay Yourself First Debt Management / Strategic Borrowing Investing / Wealth Building Understanding Market Trends Income Diversification / Skill Acquisition Personal Financial Growth Set Clear Goals Leverage Technology Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while sipping mai tai's on the beach, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2024
Oh, for the love of insurance… On this episode of Through The Pines, we'll discuss the importance of Insurance when it comes to your finances, along the potential savings and risks involved - Why do we have insurance - The invention of insurance - What is a loss ratio? - Most important insurances: Auto, Health, Life, Disability, etc… - What are HSA's and should you have one? Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while sipping hot cocoa, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates _________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Oh, for the love of insurance… On this episode of Through The Pines, we'll discuss the importance of Insurance when it comes to your finances, along the potential savings and risks involved - Why do we have insurance - The invention of insurance - What is a loss ratio? - Most important insurances: Auto, Health, Life, Disability, etc… - What are HSA's and should you have one? Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while sipping hot cocoa, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates _________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Financial planning is crucial for achieving financial stability and reaching long-term goals, yet many individuals struggle with it. On this Through The Pines episode, we'll discus some of the biggest reasons people fail to plan financially and what you can do about it, including… Procrastination Living Beyond One's Means Emergency Expenses Fear of Investment or Risk Aversion No Clear Goals Mental or Psychological Barriers Poor Debt Management Lack of Discipline Life Changes and Lack of Adjustment Economic Conditions Over-reliance on One Income Source Neglecting Retirement Planning Not Seeking Professional Advice Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while contemplating the mysteries of the universe, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Financial planning is crucial for achieving financial stability and reaching long-term goals, yet many individuals struggle with it. On this Through The Pines episode, we'll discus some of the biggest reasons people fail to plan financially and what you can do about it, including… Procrastination Living Beyond One's Means Emergency Expenses Fear of Investment or Risk Aversion No Clear Goals Mental or Psychological Barriers Poor Debt Management Lack of Discipline Life Changes and Lack of Adjustment Economic Conditions Over-reliance on One Income Source Neglecting Retirement Planning Not Seeking Professional Advice Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while contemplating the mysteries of the universe, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Yes, you can create income in retirement without a j.o.b… On this episode of Through The Pines, we'll discuss avenues for income in retirement including… ◼ Social Security ◼ Annuities ◼ Real Estate ◼ Cash Investing ◼ Pensions from work ◼ Investment account distributions Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while grooming that tremendous fur coat of his, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
Yes, you can create income in retirement without a j.o.b… On this episode of Through The Pines, we'll discuss avenues for income in retirement including… ◼ Social Security ◼ Annuities ◼ Real Estate ◼ Cash Investing ◼ Pensions from work ◼ Investment account distributions Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while grooming that tremendous fur coat of his, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates __________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2025
This $2B Money Manager Shares Timeless Lessons & How To Avoid F.O.M.O. (Fear Of Missing Out) Guest: Richard McWhorter, CFP & Managing Partner with SRM Private Wealth $1.85B in AUM Website: https://srmprivatewealth.com/ Bio: Richard McWhorter, CFP, is the Managing Partner and Private Wealth Advisor with SRM Private Wealth. He manages $1.8 billion for ultra-high net worth, high net worth, entertainers, and athletes. He has 32 years of experience and spent 16 years at Smith Barney and 16 years at Merrill Lynch. He believes in a holistic approach which is individualized for each client and has experience in financial planning, retirement planning, estate planning, and philanthropic planning. He has been recognized by Forbes - Best in State Wealth Advisors, Financial Times, and Barrons while at Merrill Lynch. He is joined in his Pasadena California firm by partner and director of client services Sandra Parracino, AWMA and client associate Kyle Szesnat. SRM Private wealth was opened in May 2022 to allow The McWhorter Group the ability to serve their clients at the highest level on a wide variety of aspects of their lives. Richard is supported by his wife and six children. Outside of the office he spends time playing golf, traveling, and with his Family. He also enjoys working with charities and finding creative ways to raise funds for a variety of different causes.
On this Through The Pines episode, we'll discuss the importance of marriage and finance… Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while hot-tubbing under the stars, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial happiness can be achieved on a tight budget. Although more money tends to allow for more opportunities and fun, there doesn't seem to be a dramatic correlation between lack of marital financial fights and income. -Brandyn What is it that causes financial conflict within a relationship? ◼ Not feeling fairly treated (whether true or not true) ◼ Lack of communication ◼ Different pain points (savings/ CC debt) ◼ Different long-term goals Spending, how do couples work it out? ◼ Spender vs Saver ◼ Spender vs Saver ◼ Saver and Saver Everyone has a pain threshold and usually it is different. ◼ $100k in savings ◼ $20k in savings ◼ $0 in savings ◼ $10,000 in CC debt ◼ $30,000 in CC debt o When spouses have different pain points, they will likely feel financial tension. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2024
Love, marriage, and money… On this Through The Pines episode, we'll discuss the importance of marriage and finance… Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while hot-tubbing under the stars, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial happiness can be achieved on a tight budget. Although more money tends to allow for more opportunities and fun, there doesn't seem to be a dramatic correlation between lack of marital financial fights and income. -Brandyn What is it that causes financial conflict within a relationship? ◼ Not feeling fairly treated (whether true or not true) ◼ Lack of communication ◼ Different pain points (savings/ CC debt) ◼ Different long-term goals Spending, how do couples work it out? ◼ Spender vs Saver ◼ Spender vs Saver ◼ Saver and Saver Everyone has a pain threshold and usually it is different. ◼ $100k in savings ◼ $20k in savings ◼ $0 in savings ◼ $10,000 in CC debt ◼ $30,000 in CC debt o When spouses have different pain points, they will likely feel financial tension. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2024
The following financial topics may often be overlooked when chatting with your advisor, so we'll address these topics on this episode of Through The Pines…. On this Through The Pines episode, we'll discuss often overlooked financial planning topics… Based on this Forbes article: https://www.forbes.com/councils/forbesfinancecouncil/2023/04/28/15-overlooked-financial-planning-topics-clients-forget-to-ask-about/ - Transferring Real Estate w/out considering taxes - Determining a personal inflation rate - Finding a specialized financial planner - Protecting assets from lawsuits - Understanding the significance of taxes - Risk Management & Estate Planning - Taking advantage of high-interest savings accounts - Owning equity - Asking about the bigger picture - Establishing a balance between work/business and personal well-being Advisors: Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - _________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2024
The following financial topics may often be overlooked when chatting with your advisor, so we'll address these topics on this episode of Through The Pines…. On this Through The Pines episode, we'll discuss often overlooked financial planning topics… Based on this Forbes article: https://www.forbes.com/councils/forbesfinancecouncil/2023/04/28/15-overlooked-financial-planning-topics-clients-forget-to-ask-about/ - Transferring Real Estate w/out considering taxes - Determining a personal inflation rate - Finding a specialized financial planner - Protecting assets from lawsuits - Understanding the significance of taxes - Risk Management & Estate Planning - Taking advantage of high-interest savings accounts - Owning equity - Asking about the bigger picture - Establishing a balance between work/business and personal well-being Advisors: Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - _________________________________________________________________________ This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2024
What You Need to Know About Charitable Giving Do you come out ahead financially What are the tax consequences Itemized Deductions vs. Standard Deductions CRATS, CRUTS, CLT Family Foundations Donating Appreciated Stock Qualified Charitable Distributions Donor Advised Funds Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while fundraising for his nonprofit SAVING THE FORESTS, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2024
What You Need to Know About Charitable Giving On this Through The Pines episode, we'll discuss Charitable Giving topics like… Do you come out ahead financially What are the tax consequences Itemized Deductions vs. Standard Deductions CRATS, CRUTS, CLT Family Foundations Donating Appreciated Stock Qualified Charitable Distributions Donor Advised Funds Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while fundraising for his nonprofit SAVING THE FORESTS, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2024
Why is knowing your Net Worth so important to your financial wellbeing? How does knowing your Net Worth help define future choices with your budget? How do you properly calculate your Net Worth? On this Through The Pines episode, we'll discuss the importance of Net Worth… Why is knowing your Net Worth important? Net Worth Definitions How to properly calculate your Net Worth How to Increase Net Worth Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while carving pumpkins, this is Through the Pines. Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com 2023 & 2024 Forbes Best in State Wealth Management Teams For Utah - Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award - Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah. Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/ Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams. **** This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much. Through the Pines Podcast Copyright, The Banyan Collective - 2024
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