Podcasts about hsas

1005. Is your company "returning" your retirement savings? In this episode, Laura answers a listener question from Jay P., who is frustrated that his contributions keep getting bounced back as taxable income. If you're a high earner or a diligent saver, nothing is more frustrating than seeing your hard-earned 401(k) contributions returned to your checking account. But why does the IRS penalize you just because your coworkers aren't saving enough? In this episode, Laura breaks down the "Highly Compensated Employee" (HCE) rules and explains exactly why your retirement plan might be failing its annual nondiscrimination tests. More importantly, she shares the specific steps you can take to keep your momentum going even when your workplace plan hits a ceiling. Laura goes over: The HCE Threshold: The specific 2026 income and ownership limits that trigger these IRS rules. The "Safe Harbor" Solution: How to pitch a plan upgrade to your HR department that eliminates testing forever. Tax Fallout: How to handle the tax liability of returned pre-tax vs. Roth contributions. Pivot Strategies: Three powerful "Plan B" accounts—including HSAs and Roth IRAs—to house your returned cash so it stays invested for the long haul. Find a transcript here.  Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308. Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips. Money Girl is a part of Quick and Dirty Tips. Links: https://www.quickanddirtytips.com/ https://www.quickanddirtytips.com/money-girl-newsletter https://www.facebook.com/MoneyGirlQDT  

1004. This week, Laura explains how to identify and fix overcontributions to your 401(k), IRA, and HSA. You'll learn the specific deadlines for 2026 to remove excess funds penalty-free and how to handle the tricky tax paperwork that follows. In This Episode: The Cost of Mistakes: Why IRAs and HSAs carry a 6% annual penalty for excess funds, and how 401(k) errors can lead to double taxation. 2026 Contribution Limits: The max limits for workplace plans ($24,500), IRAs ($7,500), and HSAs ($4,400–$8,750), including catch-up rules for those over 50 and 60. Common Pitfalls: How switching jobs, receiving year-end bonuses, or earning too much for a Roth IRA can trigger an accidental overcontribution. The Correction Timeline: Why April 15 is a hard deadline for workplace plans, while IRAs and HSAs offer flexibility until October 15 with an extension. New 2026 Rules: What high earners (making over $150k) need to know about the new mandatory Roth catch-up contributions. Step-by-Step Fixes: How to work with your account custodian to calculate earnings (or losses) and file the correct tax forms (1099-R, 1099-SA).

Roger Whitney dives into practical strategies for navigating health care before Medicare, sharing insights from retirees, survey results, and listener questions. Together they explore real-world solutions for coverage gaps, timing withdrawals, and managing medical expenses in early retirement.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement but have confidence in your financial and life decisions.(00:40) Roger introduces the focus: pre-Medicare health care, survey insights, and practical strategies.LISTENER EXPERIENCES AND STRATEGIES(03:00) Roger shares experiences and questions from listeners navigating pre-Medicare coverage. They discuss timing COBRA versus ACA transitions, evaluating company retiree plans, managing risk when uninsured, and creative strategies like catastrophic insurance, health-sharing plans, and part-time work benefits. Listeners also explore using HSAs and inherited IRAs to manage costs and maximize subsidies, providing a broad view of practical approaches for early retirees.ROCKING RETIREMENT IN THE WILD(32:50) Jennifer retires at 59½, discovers watercolor painting, fitness classes, and increased spending patterns in early retirementSURVEY INSIGHTS(37:08) Roger summarizes key takeaways from over 400 survey respondents.SMART SPRINT(48:19) Action step: identify your “homies” for retirement planning. Notice how your closest relationships influence your retirement experience and take one step this week to strengthen those connections.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Medical costs and insurance premiums keep going up. Fortunately, there are some steps you can take to minimize the effects of rising costs. This tip will discuss how Health Savings Accounts (HSAs) can help you manage some of those expenses and save money.   Links: Learn more about Tringle's Health Savings Accounts Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Let's start by explaining what an HSA is. HSA stands for Health Savings Account and is very similar to a personal savings account, but money saved in the account must be used to pay for health care expenses (there is an exception to that, which will be covered in a bit). The good news is this is your money, so you get to control how the funds are spent and for which medical expenses.     You can open an HSA if you have a high-deductible health plan (HDHP). You can't if you're on Medicare, TRICARE, TRICARE for Life, or are listed as someone else's dependent for taxes. If you're self-employed and have an HDHP, you can get an HSA. If you switch jobs, your HSA stays with you.   Since we've discussed high-deductible health plans, let's define an HDHP. In 2026, the IRS sets the minimum deductible at $1,700 for individuals or $3,400 for families. The total yearly out-of-pocket costs, including deductibles, copays, and coinsurance, cannot exceed $8,500 for individuals or $17,000 for families.   There are many benefits to having an HSA. One of the most notable is the tax savings. HSA contributions are made before taxes, so they're deducted from your total income when it comes time to file. In 2026, the IRS lets you put in $4,400 for individual coverage or $8,750 for family coverage. If you're 55 or older, you can add an extra $1,000 each year until you turn 65 or enroll in Medicare. This extra amount is called a catch-up contribution. Money you take out of your HSA is tax-free if you use it for qualified medical expenses, no matter your age. Plus, any money your HSA earns is also tax-free.   With an HSA, you also save on premiums. Most high-deductible health plans have lower premiums, so you can put your savings into your HSA. Use your HSA to pay for any medical expense, including coinsurance, copays, and your deductible.   Your HSA is your money. You own all the money in your HSA, even if your employer contributed, and you keep it if you change jobs, lose coverage, or retire. Your balance rolls over yearly and never expires. If you are 65 or older or disabled, you can withdraw funds for non-medical use without penalty. Using your HSA is easy. Open one at a bank or credit union to get a debit card. Use it to pay for expenses like copays, deductibles, and prescriptions.  If you're interested in getting started with your own HSA, there are multiple ways to contribute. For a list of ways you can contribute and a transcript of this money tip, check out "Helpful Hints about HSAs at triangleuniversity.org.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.  Eligibility and contribution limits are set by the IRS and may change. This information is for educational purposes and isn't tax advice—please consult a qualified tax professional. Insured by the NCUA.

What does an $8 million physician net worth actually look like—and how was it built? In this episode, Dr. Jim Dahle sits down with a physician who started with very little and methodically built a multimillion-dollar net worth over time. They walk through the key decisions, habits, and tradeoffs that mattered most, and the lessons other doctors can apply to their own path to wealth. This conversation goes beyond inspiration and focuses on practical takeaways for physicians building wealth: consistency, patience, avoiding big mistakes, and staying disciplined over decades—not chasing shortcuts. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today by email info@protuity.com or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 00:00 Inside an $8 Million Physician Net Worth 02:44 From Nothing to Multimillionaire: A Physician's Story 17:04 Lessons for Doctors Building Wealth 19:36 HSAs

Drew is joined by Leo this week as they talk to callers and answer questions regarding tax advantages of solar energy, tax loss harvesting, taxation of US saving bonds, HSAs, and more! Download and enjoy! 

In this episode of Five Minute Finance, CFP® Mike Morton and Matt Robison walk through 10 smart tax-saving strategies for 2026, from maximizing retirement accounts and using HSAs to capital loss harvesting, 529 planning, small business strategies, and income timing. Rather than overwhelming listeners, they present a practical “buffet” approach — choose one idea, take a five-minute action step, and keep more of what you earn without overcomplicating your financial life.Find out more about Mike at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/

What happens when a "late-starter" ER doc finally hits FI at 60, then must figure out how to actually spend the money without blowing it—or hoarding it forever? Bill joins Mindy and Scott on the BiggerPockets Money podcast to walk through his full "caught up to FI" debrief. Here his decade-long sprint from single-digit savings to 40%, taking his money back from a private bank, and the 60th-birthday retirement-readiness check that came back with a 100% success rate. From there, they dig into his move from a simple three-fund portfolio to a risk-parity setup, why he hired a flat-fee planner after years as a DIY investor, and how he's using FI to buy back time and jump-start his kids' wealth with Roth IRAs, HSAs, and tax-savvy living gifts. This episode covers:  ➡️ Going from "rich but broke doctor" to FI in about 10 years ➡️ Boosting a savings rate from single digits to ~40% without feeling deprived ➡️ Shifting from a three-fund portfolio to a risk-parity decumulation strategy ➡️ Using flat-fee, advice-only planner instead of 1% AUM ➡️ Order of withdrawals: taxable, pre-tax, Roth, plus asset location ➡️ Modeling taxes, RMDs, and Social Security timing in real life ➡️ Building a "3-1-1" spending plan for needs, comfort, and luxury/giving ➡️ Helping adult kids fill Roth IRAs and HSAs as part of generational wealth ➡️ Weighing when to actually leave medicine once money is no longer the boss   ==============================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW

Send a textBeyond Discipline: Reallocating Wealth for Flexibility After $300K IncomeIn the first episode of a six-part “reset series” on The Retire Early Retire Now podcast, host Hunter Kelly—a certified financial planner and founder of Palm Valley Wealth Management—argues that for high earners (around $300,000+ household income), discipline stops being the primary advantage. He explains that early-career habits like maxing retirement accounts, avoiding lifestyle creep, and living below your means are essential when income is lower and compounding hasn't taken over, but those same habits can create rigidity later. Kelly describes a common pattern: high-income couples in their 40s who do “all the right things” (maxing 401(k)s, backdoor Roths, HSAs, college savings, and extra debt payments) yet feel trapped when considering job changes, sabbaticals, or reducing stress because most of their net worth is locked in retirement accounts, home equity, or mortgage payoff. He highlights diminishing returns from incremental savings increases (e.g., raising savings from 25% to 32% on a $350,000 income) compared with the emotional relief and freedom gained from better structural positioning—building accessible brokerage assets, maintaining an adequate cash runway, and funding goals with the right “buckets.” He frames the shift as moving from “accumulator to allocator,” noting that discipline can become identity and loosening it can feel like regression, when it may actually be evolution. The episode closes with signs a listener may have outgrown pure discipline (saving aggressively but still stressed, feeling trapped, hesitating to spend despite strong numbers, and lacking clarity on what money is for), an invitation to explore Palm Valley's “Palm Valley Pathway” and schedule a no-cost 15-minute call, and standard educational-purpose disclaimers.00:00 Discipline Stops Winning00:23 Reset Series Setup01:37 Why Discipline Works Early02:53 High Income Rigidity Trap04:21 Diminishing Returns Math06:23 Build Flexible Money Buckets08:17 Outdated Rules Analogy09:05 Identity Shift to Allocator10:22 Signs Youve Outgrown Discipline12:04 Next Steps and DisclaimerCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Jim and Chris are joined by Jake Turner to discuss listener emails in this special tax related episode covering Roth conversions after RMD age, balancing Roth versus Traditional IRA contributions, HSA versus Roth contributions, IRA reporting questions, filing deceased tax returns, and a listener PSA on tax planning software. (11:30) A listener asks whether converting to a Roth makes sense at age 75 while currently in the 12% bracket and taking RMDs, and whether recent tax law changes create a strategy opportunity. (20:20) George wonders whether his 30-something children should continue using Roth contributions exclusively or begin balancing with Traditional IRA contributions as their wages increase, and asks what percentage split between Traditional and Roth accounts looks reasonable in retirement. (48:45) The guys discuss whether covering medical expenses from an HSA and contributing to a Roth IRA, or leaving the HSA intact and paying medical bills out of pocket will result in greater retirement spending flexibility. (57:00) Jim, Chris, and Jake address whether a spouse who retired during the year is considered covered by a workplace plan, how to answer prior nondeductible IRA contribution questions, and whether Form 8606 is required after making and converting a small IRA contribution in the same year. (1:10:30) George asks how to handle the direct deposit of a refund on a deceased final 1040, including whether to use the estate bank account with an EIN or the decedent's existing account, and whether a paper check remains an option. (1:15:30) A listener PSA introduces Catalyst Tax Insights, a free tool to run “what if” scenarios and estimate taxes owed without using full tax software. The post Tax Special – Conversions, Contributions, HSAs, Tax Returns, Tax Software PSA: Q&A #2608 appeared first on The Retirement and IRA Show.

What if small businesses could offer better healthcare than big corporations—at a fraction of the cost? In this episode of Main Street Matters, Elaine Parker sits down with Dr. Chad Savage, founder of Choice Direct Care, to break down the fast-growing Direct Primary Care (DPC) movement and why it’s becoming a game-changer for entrepreneurs and working families. Dr. Savage explains why the traditional employer-based system is overloaded with bureaucracy and “middlemen,” driving up prices while shrinking the doctor-patient relationship. He walks through how DPC works as a simple monthly membership (often $49–$99/month) that includes unlimited primary care visits, longer appointments, and faster access—without the inflated costs and delays of the insurance-driven model. You’ll also hear real-world examples of how transparent, cash-based pricing can slash costs dramatically—plus how small business owners can pair DPC with catastrophic coverage to protect employees while lowering premiums. Elaine and Dr. Savage dive into how HSAs can support DPC membership, the role of ICHRA (Individual Coverage Health Reimbursement Arrangements) for employers, and why giving workers more control over healthcare dollars can improve affordability and outcomes. If you’re a small business owner tired of sky-high premiums—or an employee who wants better care without the runaround—this episode is your roadmap.See omnystudio.com/listener for privacy information.

new Tyketto and Donnie Vie plus Alcatrazz, TNT, HSAS and more! Gold Metal 

Taylor Bowker - Mindful Insurance Agency On Common Mistakes in Medical Billing: "She ended up getting a bill for $14,000 for a pee test." Health insurance in the United States is a pain.  We all know that.  As business owners, we often get stuck needing to shop for our own insurance.  Only during certain times of year and only with all of these rules.  But how do you buy health insurance, without going crazy? There is a marketplace, but it isn't exactly like going to buy grapes.  It helps to have an expert on your side, as with most things.  In this case, the expert offers their expertise at no additional cost to you. Taylor Bowker is the health insurance expert.  She started Mindful Insurance Agency to help people navigate the murky waters of health insurance.  As an entrepreneur, a business owner with multi-state employees, or someone simply trying to make sense of the marketplace, this episode breaks down the trends, challenges, and solutions in health insurance. Listen as Taylor offers tips on choosing the right coverage, using HSAs, and understanding group versus individual enrollment periods. Enjoy! Visit Taylor at: https://mindfulinsuranceagency.com/   Podcast Overview: 00:00 "Starting My Own Business" 05:11 Health Insurance vs. Cost Sharing 12:34 Cost Challenges in Employee Insurance 19:59 "Updating Marketplace Applications Challenges" 26:40 "$14K Surprise Medical Bill" 29:26 "Health Insurance Subsidy Reduction Impact" 37:36 Snowbirds, Coverage, and Emergencies 38:45 Healthcare Coverage Tips by Age 45:35 "Streamlined Application Support Platform" 51:59 "Insurance Enrollment Rules Explained" 55:45 Employee Coverage Plan Explanation 01:01:10 "Specializing in Individual Coverage" 01:08:09 QSEHRA Benefits and Marketplace Savings 01:11:50 "HSA Usage and Restrictions" 01:16:07 FSA Contributions and Usage Rules Sponsors: Live Video chat with our customers here with LiveSwitch: https://join.liveswitch.com/gfj3m6hnmguz Some videos have been recorded with Riverside: https://www.riverside.fm/?utm_campaign=campaign_5&utm_medium=affiliate&utm_source=rewardful&via=james-kademan Podcast Transcription: Taylor Bowker [00:00:00]: I saw the largest health insurance increase of my entire career this past open enrollment because these folks no longer qualified for a subsidy because their income— your income could literally go a dollar over the threshold to receive a subsidy and you no longer qualify for $1,000 a month's worth of savings. You could owe, you know, $12,000, $13,000, $14,000, $15,000 back at tax time if you go even a dollar over. So that's kind of where the issue lies. James [00:00:35]: You have found Authentic Business Adventures, the business program that brings you the struggle stories and triumphant successes of business owners across the land. Downloadable audio episodes can be found in the podcast link found at drawincustomers.com. We are locally underwritten by the Bank of Sun Prairie, and today we are welcoming slash preparing to learn from Taylor Belker of Mindful Insurance Agency. So Taylor, How is it going today? Taylor Bowker [00:00:59]: Hello. Good. Staying warm or attempting to. James [00:01:02]: Wisconsin, here we are. So tell me a story. What is Mindful Insurance Agency? Taylor Bowker [00:01:07]: Oh, sure. So at Mindful Insurance Agency, we assist individuals and businesses get health insurance, health, dental, and vision. And we are a brokerage. So we are essentially the middle person between the members and the health insurance carriers and just try to advise and educate and help people get health insurance. James [00:01:30]: Right on. How do you end up in health insurance? Taylor Bowker [00:01:33]: Well, um, so I started in the insurance industry back in 2012. I was 5 years old. I'm just kidding, I was a little bit older than that. Um, yes, yes, yes. Um, so I started very entry-level job at an agency in Waunakee, around town here. Um, again, just doing very entry-level things. And then I shortly got promoted to a business development role. Um, and then from there, there there was a different agency hiring that was focusing on health insurance, and I was ready for a change. Taylor Bowker [00:02:11]: They needed a customer service rep, front desk person, so I went there to work, and within a year of me working there, they actually asked me if I wanted to become an agent or a broker, and I had never thought that that was something I wanted to do. Insurance, it can be a very just like cutthroat kind of a situation with sales and quotas and things like that. And that always kind of made me a little nervous. But I am very much a people person. So I, you know, I thought, why not? Let's give it a try. So I got licensed and became an agent back in 2016 now. And then, so started as an agent there doing health, dental, and vision, like I said. And then back in 2019, I decided to start my own business. James [00:03:05]: So that's awesome. Taylor Bowker [00:03:05]: Yeah, I've been doing that for 6 years now. James [00:03:08]: So what was the motivator to start your own gig versus just maintaining with where you were at? Sure. Taylor Bowker [00:03:12]: Yeah. Well, I guess I've always kind of just been somebody who works just, I prefer to kind of be on my own. Being my own boss sounded really great. I was in a group of individuals at the time and other business owners, the group that you're in with me now where we met. And again, there were just a lot of business owners there and they were doing a really good job of owning a business. And it just sounded like a feasible option for me and something that I wanted to do. I also felt like I kind of had learned everything I really could being at the place I was at previously. So I figured, you know, why not give it a shot and rip the Band-Aid off? And it's been, yeah, it's been working out well so far. Taylor Bowker [00:04:00]: So that's good. James [00:04:01]: Right on. Taylor Bowker [00:04:02]: Yeah. James [00:04:02]: So has health insurance changed much over the past, what are we talking, 9, 10 years? Taylor Bowker [00:04:08]: Sure. So I would say yes, yes and no. So I think the biggest thing that's changed is rates, insurance rates. James [00:04:19]: They keep going down. Taylor Bowker [00:04:20]: Yeah, that would be amazing. No, similar to a lot of other things, they just keep increasing and by a lot, especially the last couple years. So a lot of other products have come into play to try to help mitigate those premium costs for people. There's a lot of other products out there now that aren't necessarily health insurance as it is defined by, you know, the commissioner of insurance, if you will, or the government. But there are other products out there that are designed similarly to help people, you know, still get the care that they need and save money on their premiums and their out-of-pocket costs. So I would say prices have changed and other products have been developed in the market to try to help with those pieces. James [00:05:08]: And other products, you mean, I guess, help me what you mean by other understand products. Taylor Bowker [00:05:11]: Sure, yeah. So obviously you have typical health insurance. This would be either through, it's all kind of under the Obamacare umbrella as we've known it for a while now. It can be a group plan through an employer that you work with, or it can be an individual plan on the marketplace or direct with an insurance carrier. And that would kind of be your more typical, just average health insurance policy. But as of the last, say, maybe decade, a couple of new products have come out, one of them being referred to as medical cost sharing. So medical cost sharing in layman's terms is essentially a product that you pay a monthly subscription fee for, similar to a premium, and you choose what's called an initial and shareable amount, similar to a deductible, where essentially you're saying, I'm willing to pay this cost upfront in the event that something catastrophic were to happen to me. And so because it's covering you for more catastrophic occurrences and not the full shebang like a regular health insurance policy would,, they tend to be less expensive for certain people in certain situations. Taylor Bowker [00:06:24]: Those types of products also work really well for lucky individuals that are more healthy, that don't necessarily use their benefits all the time, but just want something there in case. That also works well with what's called direct primary care, which is a newer model, at least around the Madison area. It's where you work with a primary care doctor directly. So they're not affiliated with any any hospital systems. You do pay them a small monthly subscription fee to utilize their services. However, it's, it's really very worth it because a direct primary care doctor is always going to make sure they have same-day or next-day appointments available for their patients, which is very unheard of nowadays. Yeah, unfortunately. And then they can also do a myriad of things for you, you know, because you're paying that monthly fee. Taylor Bowker [00:07:18]: They can run labs for a couple of dollars, which is also very crazy to say. They can run prescriptions for people at cost. If you have an appointment with them, it'll be either a 30-minute or an hour-long time block, which again is not very common if you go to a clinic through a hospital system. They can help you with most acute and even urgent care needs as well. So that can just be, yeah, those two things specifically go hand in hand pretty well together. There's also things out there that have been out there for a while, like short-term policies, you know, through UnitedHealthcare or Allstate or something like that. Those can be less expensive for folks,

We've reached a huge milestone here at Absolute Trust Counsel—drum roll, please—the launch of our 200th Absolute Trust Talk episode! What started as an idea while driving down the road after a guest appearance on a financial advisor's radio show has become a trusted resource for thousands of listeners over the years. Kirsten's dream was always to have a platform where she could share the expertise of smart professionals she knows—financial planners, accountants, insurance experts, and fellow attorneys—with anyone who could benefit from their knowledge, and to explore the myths, misconceptions, and commonly overlooked estate planning details. From all of us at Absolute Trust Counsel, we want to say THANK YOU! We are deeply grateful to everyone who watches, listens, comments, subscribes, and shares our slice of the airwaves. And speaking of commonly overlooked details, in this celebratory episode, Kirsten continues her "Estate Planning Misses" series by tackling Health Savings Accounts. While HSAs offer valuable tax benefits, there's a simple estate planning step most HSA owners completely overlook—and skipping it could create unnecessary tax bills and legal headaches for the people you leave behind. Kirsten explains why naming a beneficiary on your HSA is essential, what happens if you don't, and the critical difference between how spouses and non-spouses are treated. Unlike IRAs, non-spouse beneficiaries face an immediate tax hit that wipes out the account's value. Time-stamped Show Notes: 0:00 Introduction 2:06 Kirsten's vision for educating listeners through expert knowledge 3:28 The pandemic pivot to video and thank you to the audience 5:27 Introduction to the Estate Planning Misses series 5:45 What Health Savings Accounts are and who qualifies for them--you need a high-deductible health insurance plan to participate 6:42 The tax advantages that make HSAs attractive: pre-tax contributions and tax-free spending on medical expenses 7:12 Why HSAs typically don't hold large amounts--the 2026 contribution limit is $4,400 for individuals, and balances roll over year to year 7:42 How HSAs are similar to IRAs: pre-tax money, annual contribution limits, and special treatment for surviving spouses 8:12 The critical difference: when non-spouse beneficiaries inherit an HSA, they immediately owe income tax on the entire balance--unlike IRAs 8:47 Why you must designate a death beneficiary on your HSA, even though it's not a large account 9:17 The spouse advantage: married HSA owners should always name their spouse as beneficiary to avoid tax consequences and legal complications 9:52 Making it easier for your executor or trustee: why proper beneficiary designation simplifies estate administration 10:17 The action step: if you have an HSA, check whether you've named a beneficiary--and if you haven't, you can do it today Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit https://absolutetrustcounsel.com/scheduling/ or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit Q2Mark.com.

In this episode of Money Matters, Scott and Pat answer listener questions and explain when Roth conversions make sense, when they don't, and how taxes, IRMAA Medicare surcharges, and market volatility can change retirement outcomes. They discuss strategic gifting to adult children, helping fund Roth IRAs, 401(k)s, and HSAs without killing motivation, and walk through a real call from a retired teacher debating whether converting his accounts is worth it. Along the way, Scott and Pat break down the math behind Roth conversions, explain how pensions and Social Security affect the results, and why paying conversion taxes from retirement accounts can wipe out the benefits. If you're retired or nearing retirement and considering Roth conversions, this episode offers clear, practical guidance to avoid costly mistakes. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain what the recent AI and Magnificent Seven pullback really means for investors, why volatility is normal when stocks are priced for perfection, and why diversification matters more than ever. They dig into the often-overlooked threat of rising healthcare costs in retirement, including Medicare premiums, IRMAA surcharges, HSAs, and Roth planning. They also break down where AI can help with financial decisions and where you still need a human in the room. The show answers listener questions on inherited IRAs, surprise capital gains in taxable mutual funds, and rebalancing during volatile markets, and closes with a candid look at financial secrecy in relationships and why transparency may be one of the smartest money moves you can make.See omnystudio.com/listener for privacy information.

Don and Tom take on Elon Musk's claim that AI will make retirement saving obsolete, pushing back hard on the idea that technology or billionaires will somehow fund everyone's future. They examine why universal basic income is politically and mathematically unrealistic, remind listeners that past tech revolutions didn't magically create widespread wealth, and reinforce the importance of steady, diversified investing. The episode also tackles listener questions on HSAs, 529 rollovers, taxable account strategy, and tax efficiency, while weaving in commentary on work, purpose, behavior, and—once again—the ongoing menace of gas-powered leaf blowers. 0:04 Fear of AI and its supposed impact on money and jobs 1:52 Elon Musk's claim that retirement saving will become irrelevant 2:59 Why billionaires don't like sharing wealth 4:29 Historical tax rates and wealth distribution 6:21 Business Insider survey: 94% still plan to save 8:45 Why tech revolutions don't eliminate financial risk 9:59 Work, purpose, and retirement psychology 10:33 Universal basic income math and tax reality 11:54 Luddites and historical job displacement 12:55 Listener questions segment begins 13:18 HSA invested in Fidelity target-date fund 17:38 Overfunded 529 plans and Roth rollover rules 20:45 Taxable account strategy and balanced funds 23:28 Asset location and tax efficiency 24:49 Finding fund returns on Morningstar 25:46 Tom's Scottsdale meetings 26:45 War on gas-powered leaf blowers Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.In this episode, we break down tax-efficient investing for ODs, showing you how to pair the right investments with the right accounts to maximize your after-tax wealth over your career.What You'll LearnTaxes can be the difference between two optometrists with identical investment returns ending up with vastly different retirement wealth. This episode breaks down how to invest tax-efficiently by pairing the right investments with the right accounts. You'll learn which investments create tax-inefficient income (bonds, REITs) versus more favorable income (stock index funds), and the strategy for placing them across your taxable accounts, pre-tax retirement accounts, Roth accounts, and HSAs. The key is treating all your accounts toward the same goal as one coordinated household portfolio instead of managing each separately. Key TakeawayDon't let the tax tail wag the dog. Start with good, prudent, evidence-based investments - then optimize their placement to minimize taxes along the way. The goal isn't to avoid all taxes; it's to maximize your after-tax wealth over your lifetime.Episode Chapters[00:00] Introduction: Why tax-smart investing matters for ODs[03:00] Why taxes matter: The real drag on your investment returns[05:00] Tax Layer 1: Understanding investment account types (taxable, pre-tax, Roth, HSA)[06:00] How different types of investment income get taxed[10:00] Tax Layer 2: Tax characteristics of stocks, bonds, and REITs[12:00] How fund management impacts your tax bill[16:00] Asset location strategy: Putting it all together[20:00] Common constraints and considerations[22:00] Mistakes to avoid when managing multiple accounts[24:00] Conclusions: Focus on good investing while managing taxesResources MentionedFree Download: Get Your OD's Guide to Tax-Smart InvestingInventory your accountsIdentify tax-inefficient holdingsEvaluate if investments are in the right placesReady for a Second Opinion?Want help reviewing your current setup? Reach out for a no-pressure conversation about whether your investments are working as tax-efficiently as they could be.Click Here to schedule your free consultation! Submit Your Question for Q&A Episodes! Have questions you'd want answered on the podcast?Submit your questions for future Q&A episodes: OptometryWealth.com/podcastquestionThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

In this episode of Talking Real Money, Don and Tom take aim at “magical” high-yield investments, focusing on why junk bond funds often behave more like risky stocks than stable bonds. Drawing on research from Larry Swedroe, they explain how high fees, high turnover, and economic sensitivity undermine the appeal of high-yield funds—especially during recessions. They reinforce the core principle that higher returns always mean higher risk and argue that investors are usually better served taking risk in equities and safety in high-quality bonds. Listener questions cover HSAs in retirement, Roth IRAs for young investors, backdoor Roth conversions, and the Vanguard Star Fund. The episode closes with discussion of RetireMeet 2026 and the importance of long-term, disciplined investing. 0:04 Opening: Wanting high returns with no risk 1:02 Introduction to “magical” high-yield investments 1:10 Larry Swedroe's research on junk bond funds 2:20 Investment-grade vs. high-yield bonds explained 4:29 Bankruptcy risk and bondholder losses 5:49 Returns, volatility, and stock-like behavior 6:36 Risk-adjusted returns and Sharpe ratios 7:47 Why passive beats active in junk bonds 8:35 2008 losses in high-yield funds 9:36 “Yield is for farmers” and risk perspective 10:42 Why higher yield always means higher risk 11:08 Bonds as portfolio ballast 12:17 Why equities are better for risk-taking 12:27 HSA investing for medical expenses 13:56 Roth IRA for grandson with long time horizon 15:18 Backdoor Roth conversion tax question 17:57 Vanguard Star Fund discussion 19:03 Active vs. index fund comparisons Learn more about your ad choices. Visit megaphone.fm/adchoices

In episode 2 of this 3-part series, I'm back with Amanda Holbrook from Specialized Trust Company to break down two of the most overlooked tax-advantaged accounts out there: HSAs and Coverdell Education Savings Accounts. Most people think HSAs are just a place to park money for medical bills. They're wrong. We talk about how HSAs can grow tax-free like a Roth, how investors self-direct them into real estate and other assets, and how they can cover expenses most insurance won't touch. We also dive into Coverdell ESAs—how they work for K–12 and higher education, how family members can contribute, how they compare to 529 plans, and how they fit into a bigger legacy strategy for your kids. This episode is all about using accounts you already need—for healthcare and education—in a smarter, tax-advantaged way. Next week, we wrap the series with small business retirement plans (SEP IRAs and more), including how to put significantly more money away and protect it long-term. //CONNECT WITH AMANDA Amanda Holbrook Key Account Executive at Specialized Trust Company

#685: You're not an investor. You're a saver. That's the first of 10 principles Cullen Roche shares in this conversation about building what he calls "the perfect portfolio." Roche, the founder and chief investment officer of Discipline Funds, argues that when you buy stocks on the secondary market, you're not actually funding companies or making investments in the traditional economic sense. You're just swapping your cash for someone else's stock position – reallocating your savings. This reframe matters because it changes your entire approach. Instead of trying to beat the market, you focus on the boring, prudent work of allocating your savings across different time horizons. We walk through all ten of Roche's principles. He explains why you are your portfolio's worst enemy – not just because fear makes you panic-sell during crashes, but because FOMO during bull markets leads you to chase performance at exactly the wrong time. He breaks down why diversification is the only free lunch in investing, why costs matter more than you think, and why real returns are the only ones that count after you strip out inflation, taxes, and fees. Roche introduces some concrete strategies most people have never heard of. The 351 exchange lets you swap concentrated stock positions into diversified ETFs without triggering immediate capital gains taxes. The "defined duration" approach matches specific pools of money to specific future expenses—like pairing a six-month treasury bill with next year's bathroom remodel. He also tackles the hardest allocation question: what to do with money earmarked for three to ten years from now. That awkward middle timeframe sits between "keep it in cash" and "put it in stocks," and Roche explains why traditional approaches like sixty-forty portfolios don't always work. The conversation covers everything from why long-term bonds make terrible matches for long-term goals to why thinking in time horizons beats thinking in investment styles. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths.

(00:00) Principle 1: you're a saver, not an investor (04:48) Real wealth comes from direct business ownership (06:43) Principle 2: you are your portfolio's worst enemy (09:58) FOMO during bull markets vs fear during crashes (12:43) Principle 3: beating the market is hard (15:18) The 5 percent "fun money" allocation debate (16:18) What to do when your position explodes (17:18) The 351 exchange tax strategy explained (20:28) Should you rebalance concentrated stock positions (22:18) Principle 4: diversification is the only free lunch (31:03) Gold and stock market both high simultaneously (35:43) When diversification becomes diworsification (40:03) Principle 5: the cost matters hypothesis (44:23) HSAs, 401ks and unavoidable fee structures (47:03) Why ETFs beat mutual funds on taxes (51:03) Principle 6: real, real returns matter most (1:00:58) Principle 7: risk is uncertainty of lifetime consumption (1:06:18) Longevity risk and unpredictable healthcare costs (1:13:03) Principle 8: asset allocation as temporal conundrum (1:24:43) The 3-10 year allocation problem explained (1:28:03) Principle 9: past performance doesn't predict future (1:31:18) Principle 10: set realistic expectations, stay the course Resources: Cullin's website and newsletter: https://disciplinefunds.com Grab the FREE handbook: https://affordanything.com/financialgoals Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, I decided to do something a little different. Over the last two weeks, my team and I compiled a list of questions submitted by listeners and clients, some common, some obscure, and some that people simply don't know how to ask. I've got a legal pad in front of me with over 30 questions, ranging from "Am I saving too much?" to "Do I really need a trust?". We cover a lot of ground today, including the nuances of Roth conversions, the often-overlooked power of HSAs, and the "gas guzzler" analogy I use to explain tax-inefficient investing. I also address the fear of economic meltdowns for those suffering from "2008 PTSD" and why we've decided to keep this podcast 100% ad-free and sponsor-free to maintain our integrity. Whether you are five years out from retirement or already there, this Q&A session is designed to help you stress-test your own plan against the questions you should be asking. You will want to hear this episode if you are interested in... (05:26) Can You Save "Too Much" for Retirement? (09:06) Social Security and Spousal Benefits. (12:41) Maximizing HSAs for the Long Term. (15:27) Handling the Long-Term Care Question. (16:47) The Best Withdrawal Strategies. (20:17) The Truth About Roth Conversions. (24:40) The Retire Strong Bucket Strategy. (27:19) Protecting Against Economic Meltdowns. (32:16) Do I Need a Trust? The Balance Between Saving and Living One of the first questions I tackled was, "Am I saving too much?". It sounds counterintuitive, but I believe the answer can be yes. If saving for retirement is impacting your current lifestyle to the point where you are putting off vacations or postponing joy, you might be overdoing it. While retirement is a priority, you have to live today, too. On the flip side, we discussed the "when can I retire?" question. I argue that a better question is "when do I want to retire?" because for many, work provides identity and purpose that shouldn't be discarded just because you hit a financial number. The "Gas Guzzler" Portfolio: A Lesson in Tax Efficiency We also dove into investment strategies that minimize tax burdens. I use the analogy of a vehicle: you might have a hybrid getting 50 miles to the gallon, or a massive truck getting 11 miles to the gallon. When your account is small, you might not notice the "fuel inefficiency" of high taxes, but as your portfolio grows, those inefficiencies magnify. This ties directly into withdrawal strategies. I shared a story about someone who planned to drain their 401(k), then their brokerage, then their Roth, completely missing the boat on tax planning. You need a coordinated strategy to lower your lifetime tax bill, not just pay it as you go. Planning for the "What Ifs" Finally, we addressed the question, "Are we missing anything?". It's easy to plan for the monthly bills, but people often forget to factor in massive one-time expenses like weddings for their children or the fact that healthcare inflation historically outpaces standard inflation. We also touched on the fear of another 2008-style crash. If you are losing sleep over a potential economic meltdown, it's a sign to re-evaluate your risk exposure. You might be willing to trade some potential high returns for the peace of mind that comes with a more conservative approach. Resources & People Mentioned 3 Steps to Retirement Planning Retirement Budgeting Tool Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

In this episode of the Green Side Up Podcast, Jason and Jordan sit down in person with Danny Gutcher of KASE Wealth Advisors for a deep dive into money, retirement, and long‑term planning—through the relatable lens of Danny's baseball journey. Danny shares his path from Tampa high school standout to Division II national champion catcher at the University of Tampa, then explains how he transitioned from molecular biology and CTE research ambitions into a career as a fiduciary financial advisor. The conversation breaks down, in plain language, topics like fee-based vs. commission-based advising, what a fiduciary really is, Roth vs. traditional IRAs, 401(k)s vs. SIMPLE IRAs, company matches, vesting, HSAs, and tax diversification. Jason and Jordan press Danny on how small businesses like landscape and tree service companies can set up retirement plans, use matches as a retention tool, and structure contributions so both owners and employees win. It's a practical, story-driven guide for young professionals, blue‑collar employees, and business owners who want to stop guessing about retirement and start building a real plan.

In this episode, I talk with Cody Berman and Sean Mulaney about what it really takes to reach early financial independence. Cody shares how he built a $4.8 million net worth by 29 through frugal living, intentional spending, and creating multiple income streams, while Sean breaks down the smartest tax strategies early retirees use to access money sooner and keep more of what they earn. We cover how to effectively use 401(k)s, Roth IRAs, HSAs, and taxable accounts together, plus key tactics like the Rule of 55, Roth conversions, and tax arbitrage that can dramatically lower your lifetime tax rate. Sean makes complex tax planning simple and actionable for anyone pursuing FIRE. Whether you're just starting your wealth-building journey or planning an early retirement, this episode delivers practical strategies to grow wealth faster and design a flexible, purpose-driven financial future. CHAPTERS

If you've ever wondered why your deductible feels like a brick wall while insurers tout “savings,” this conversation goes straight to the source. Nathan Kaufman sits down with Mark Cuban to pull apart how PBMs and insurers shape drug prices, hide rebates, and use denials as financial float—while patients and providers pay the price. It's a rare, unfiltered tour through the pharmacy supply chain, medical loss ratio math, and the perverse incentives that keep care costly and complicated.We dig into the real-world fallout for physicians and hospitals: Medicare's stagnant updates, shadow-priced commercial contracts, and the administrative churn that drives independent practices into the arms of health systems or private equity. Mark challenges the industry to think like a startup—publish prices, strip out unnecessary vendors, and pay clinicians more with transparent, fixed margins. He shares why GPOs often inflate costs, how a virtual wholesaler model can save millions on injectables and specialty meds, and what happens when leadership manages silos instead of the whole enterprise.Then we get tactical. Imagine a standardized claim process across payers and a new financing model that replaces premium fights with unlimited HSAs plus government-backed medical loans pegged to Medicare rates. Pair that with direct contracts that pay providers quickly, no prior auth, no denials, and zero out-of-pocket for employees using posted agreements. Add agentic AI to audit thousands of contracts, verify invoices, and stop leakage dimes at a time—and a clearer path emerges: fewer middlemen, faster pay, better outcomes. Along the way, we confront uncomfortable truths about facility fees, subprime patient financing, and why breaking up insurance conglomerates or forcing divestiture of non-insurance assets could restore real competition.If you care about practical reform—transparent pricing, direct contracting, real outcomes data, and technology that kills waste—this is your playbook. Listen, share with a colleague who manages benefits or a hospital P&L, and tell us: where should transparency and direct contracts start in your market? Subscribe for more unscripted conversations that push healthcare toward simpler, fairer, and smarter.Support the showEngage the conversation on Substack at The Common Bridge!

What if the 401(k) balance you’re celebrating isn’t really all yours? In this episode, Derrick Caldwell breaks down the hidden impact of taxes, rising Medicare costs, and why planning early can shape the retirement lifestyle you envision. He explores strategies like Roth options, HSAs, income planning, and turning savings into reliable monthly paychecks. Learn how small decisions today can influence how confidently you step into retirement tomorrow. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

In this episode, we explore the emotional and structural challenges that come with transitioning from a lifetime of saving to actually spending in retirement. We focus especially on healthcare professionals—nurses, physicians, and leaders—who have spent their careers making cautious, life-impacting decisions and who now face a very different kind of responsibility: using the money they've carefully built.We start by recognizing how identity plays a major role. Many in healthcare see themselves as protectors and planners. Saving becomes a symbol of safety, and shifting to spending can feel like breaking an internal rule. With the end of scheduled shifts and steady paychecks, many experience a sense of floating—losing the rhythm they've followed for decades. We clarify that this unease is normal, not a sign of poor planning, but a psychological adjustment.We emphasize that the solution lies in structure. By creating an income plan that mimics the regularity of a paycheck, we restore the stability many retirees need. We walk through how to assemble an “income playbook”—a way to integrate pensions, IRAs, 403(b)s, HSAs, and savings into a cohesive plan. Each account gets a role, whether it's for essentials or discretionary goals, and cash buffers protect against market swings. Automation is key here—turning on scheduled withdrawals and tax withholding brings back the rhythm retirees are used to.We also break down the concept of retirement into phases: go-go, slow-go, and no-go years. Spending shifts naturally, so we help clients build flexibility into their plans. Travel and hobbies may define the early years, while later stages often involve more home time or increased healthcare costs. By projecting different scenarios and using guardrails, we help people make confident adjustments as life evolves.Throughout, we stress that it's okay to spend what you've saved. Retirement isn't about hoarding your wealth—it's about enjoying the life you worked hard to build. We suggest starting with a snapshot of your financial picture, visualizing what your days might look like, and even running a test month on future income to see how it feels. Ultimately, retirement is about shifting into a new, well-supported identity—one that still reflects who you are but in a new chapter of life. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

Self-directed accounts let you take control of retirement money and invest beyond the stock market—if you follow the rules. In episode 1 of this 3-part series, I'm joined by Amanda Holbrook from Specialized Trust Services to break down the self-directed Roth IRA: how it works, who it's for, common myths, and the compliance mistakes that can get you in trouble. We also get into real strategies: the backdoor Roth, using Roth contributions as a safety net, starting Roth IRAs for kids (legitimately), what "self-dealing" actually means in real estate, and how people partner accounts the right way without commingling. Next week we'll cover specialty accounts (Coverdell ESAs, HSAs, and more). Then we'll hit small business retirement plans (SEP IRAs and other owner plans) and how to load more cash into tax-advantaged accounts. Connect with Amanda / Specialized Trust Services Website: SpecializedTrustCompany.com Email: aholbrook@irasi.com #LegacyPodcast #RothIRA #SelfDirectedIRA #RealEstateInvesting #TaxStrategy

041 - You Have A Health Savings Account!  Now What? explains how to get the most from your HSA now and into the future, for both beginners and those who want to be better with money when it comes to savings and healthcare.Scott looks at HSAs in entirely different way from how newly-hired 20-something year olds choose their health plan to who can contribute to your HSA (they are many!)FREE MONEY - there is a lot to be had when your HSA is funded to your advantage.   When you deposit the maximum amount available, you could see at least another $1,000+ returned to you by Uncle Sam.  Just for making a deposit from money you might have had in a different savings account.Your HSA saves you money for the long term and today.  Don't miss the huge discounts you get when you buy things today that you already need.  Instead of paying like you usually do, pay with your HSA and get the discount, at least 28% and up to over 50% depending on your current tax bracket.  Overpaying today for things that you need is just plain goofy and it is money you will never get back!Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]

Send us a textEpisode 3 of Inside the Family Office: Live Investor PanelReal family office practitioners and allocators share how they structure deals, protect families, and think about wealth:  John, who works inside a single family office's trust company, explains how they custody over $70B in assets with a focus on alternative assets inside self-directed IRAs, Roth IRAs, HSAs, and solo 401(k)s. He walks through real examples of using these vehicles to buy property and earn profits with zero tax, and why he's obsessed with Roth structures for families and principals. John also touches on recent policy interest in alternatives within retirement plans and the explosive growth in investors seeking non-correlated assets. Dr. Cook closes with her own experience allocating Roth capital into crypto and other alternatives.

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationWelcome to our latest episode!In this episode of The Mailbox Money Show, Bronson leads a panel from the 2025 Alternative Assets Summit on how investors can properly evaluate risk and build resilient, diversified portfolios.Joined by Ryan Gibson, Kaaren Hall, and Patrick Grimes, the discussion covers risk-adjusted returns, operator quality, due diligence, and portfolio allocation across alternative investments. The panel shares real-world lessons on avoiding fraud, managing uncertainty, and balancing cash flow versus appreciation across different life stages.The episode wraps with practical frameworks for assessing sponsors, using AI tools for smarter analysis, and building portfolios designed to perform across market cycles—not just in good times.0:36 – Episode Intro: 2025 Alternative Asset Summit1:40 – Panelist backgrounds and perspectives3:42 – “Big Beautiful Bill” and key tax changes6:21 – Return of 100% bonus depreciation10:12 – Retirement accounts, HSAs, and self-directed investing14:12 – Moving capital from Wall Street to Main Street17:49 – Non-correlated alternative investing strategies19:11 – Opportunistic investing in real estate and litigation finance20:10 – Cash flow vs appreciation27:21 – Portfolio allocation and liquidity management32:46 – Evaluating risk in alternative investments35:37 – Operator experience and risk-adjusted returns37:12 – Due diligence and sponsor vetting38:26 – Uncovering fraud with Google and FINRA BrokerCheck39:36 – Black swan events and capital call risk40:34 – Portfolio-level risk and public market overexposure41:21 – Non-correlation as the foundation of financial security42:44 – Aligning investments with life stage and time horizon43:40 – Using ChatGPT for deal review and risk analysis44:05 – Identifying the primary downside risk45:27 – Hospitality and hotel investing risk49:27 – Capital “buckets” and compounding cash flow53:27 – Community resources and investor networking54:11 – How to connect with the panelistsJoint the Wealth Forum: bronsonequity.com/wealthConnect with the Guests:Kaaren Hall:Website: https://udirectira.com/https://www.ocreia.com/Linkedin: https://www.linkedin.com/in/kaarenhall/Facebook: https://www.facebook.com/kaaren.hall/Ryan Gibson:Podcast: "Passive Income Pilots"Email: ryan@spartan-investments.comWebsite: https://spartan-investors.com/Linkedin: https://www.linkedin.com/in/ryan-gibson-21784b5/Instagram: https://www.instagram.com/spartaninvestmentgroup/Youtube: https://www.youtube.com/spartanhomebuyersPatrick Grimes:Book: https://passiveinvestingmastery.com/bookWebsite: https://passiveinvestingmastery.com/Linkedin: https://www.linkedin.com/in/patricksgrimes/Email: Info@passiveinvestingmastery.com#AlternativeInvestments#RiskAdjustedReturns#PortfolioDiversification#PassiveIncome#CommercialRealEstate#TaxAdvantagedInvesting#FinancialSecurity

What if the biggest retirement opportunities of 2026 are hiding in plain sight? Abe Abich breaks down five practical moves retirees and pre‑retirees can make this year, from strengthening portfolios after a long market run to leveraging new contribution limits, combating inflation, maximizing HSAs, and getting intentional with estate and legacy plans. Learn how small, strategic adjustments can help you stay prepared as economic factors shift. This episode delivers clear guidance to help you navigate a new year with confidence. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this Open Forum episode of the Main Street Business Podcast, Mark J. Kohler and Mat Sorensen tackle real-world tax, legal, and business questions straight from small business owners and investors. From S corporations and QBI deductions to rental real estate, asset protection myths, HSAs, and retirement account strategies, this episode cuts through bad advice and explains what actually works under current IRS rules.The discussion covers common traps like trying to deduct personal investing as a business, relying on so-called “privacy trusts” for asset protection, and using AI or the IRS hotline for nuanced tax advice. Mark and Mat break down why some strategies are too good to be true, how to properly structure entities across states, and what business owners should focus on in 2026 to build wealth while staying compliant.If you're a business owner, investor, or high-income professional looking to understand tax strategies, retirement planning, and asset protection the right way, this episode is packed with practical guidance and hard truths. Subscribe for more expert breakdowns, drop your questions for future open forums, and check out the next episode to keep leveling up your tax and business strategy!You'll Learn:How S corporations and the QBI deduction really work for small business owners in 2026 — and when they don't save you money.Why treating personal investing as a business deduction is a tax mistake and what you can deduct legitimately.The truth about asset protection strategies, “privacy trusts,” and when a holding company structure actually makes sense.How to legally pay family members (like your children) through your business and what the IRS expects.What the IRS Hot Topics are right now — from HSAs and retirement plans to rental real estate tax benefits.How to avoid common pitfalls with solo 401(k)s, HSAs, and mixed-income strategies that cost people real dollars.Practical, experience-based answers to real listener questions instead of theoretical or generic advice. Get a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!! Here's the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_campaign=main-street-business-podcast&utm_content=msbp606-open-forum-small-business-strategies-2026  Grab my eBook 30 Unique Strategies Every Business Owner Should Know! You don't want to miss this! Secure your tickets for the #1 Event For Small Business Owners On Main Street America: Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute discovery call to explore the Main Street Tax Pro Certification. Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

Guest Stephen Willeford, Gun Owners of America, joins to discuss latest shootings in Minneapolis, battles against law enforcement, and more. Are the ICE shootings justified, and how do we battle ongoing protests and violence in the streets?  President Trump releases his "GREAT Healthcare" plan. What's in it? Discussion of the battle against "big Insurance", focus on HSAs and more transparency within the healthcare industry.  Media panics after Trump teases "not needing" a midterm election. 

January doesn't have to start with a financial overhaul. In this special Ask Farnoosh episode, Farnoosh shares why easing into the new year, rather than rushing to reset everything, can lead to better money decisions.She reflects on how she's approaching 2026, what typically happens in the markets at the beginning of the year, and why January is a powerful time to slow down, learn, and reconnect with what matters most. From there, Farnoosh breaks down the week's biggest money stories, including shifting grocery prices, growing anxiety in the housing market, canceled home purchase deals, the return of student loan wage garnishment, and new data suggesting homeownership may feel out of reach for more Americans.The episode also highlights two recent conversations on So Money — with David Bach on building wealth through simple, consistent habits, and with Terri Trespicio on the importance of writing as a practical career skill.Listeners then get answers to thoughtful questions about opening a new credit card after securing a HELOC, what it really means when entrepreneurs say they “didn't pay themselves,” how HSAs work after enrolling in Medicare, and where to safely keep a $20,000 gift intended for a future home purchase. Hosted on Acast. See acast.com/privacy for more information.

Andy and Cody Garrett from Measure Twice Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Affordable Care Act ("ACA") tax credits and income "cliffs" in tax planning ( 08:13 )Doing Roth conversions vs tax gain harvesting ( 22:30 )Paying taxes in retirement; estimated payments vs withholdings ( 31:33 )Rushing into Roth conversions ( 38:50 )When to start doing HSA distributions ( 51:31 )Should you be worried about tech stocks ( 58:23 )Timing Required Minimum Distributions ("RMDs"); when in the year to take them ( 1:08:26 )Retirement spending anxiety ( 1:17:37 )Links in this episode:Cody's website - https://www.measuretwicemoney.com/To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Have you ever wondered if your HSA contributions could cause unexpected issues as you approach retirement? In this episode, I highlight potential risks and mistakes that individuals near or in retirement might encounter with their HSAs. Specifically around scenarios such as switching into an HSA plan mid-year, transitioning out of an HSA plan mid-year, and moving from an HSA plan to Medicare. 

The start of a new year is one of the best times to reset and realign your retirement strategy. New contribution limits, new rules, and new deadlines in 2026 can all impact how much you're able to save and how effectively you plan.In this webinar, Directed IRA COO Aaron Halderman and VP of Sales Nate Hare will host a practical 101-style session focused on retirement account planning for 2026, including an open Q&A to address common questions as the new year begins.We cover:- 2026 retirement account contribution limits and what changed- Key tax deadlines to know in 2026 for IRAs and retirement plans- Core planning strategies for IRAs, Roth IRAs, HSAs, and Solo 401(k)s- Common mistakes to avoid as you start the new year- Open Q&A to help you set clear retirement account goals for 2026This session is designed to help you start the year with clarity, avoid early missteps, and build a smarter retirement plan going forward.Directed IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

Chris Lopez is joined by Equity Trust's John Bowens to close out 2025 and prep smart moves for 2026 using self-directed retirement accounts. John walks through contribution and conversion timelines for IRAs, Roth IRAs, HSAs, and Solo 401(k)s, explains the seven-day payroll rule for S- and C-corps, and shares practical strategies like spousal IRAs, backdoor Roths, staged Roth conversions over two tax years, and maximizing early-year compounding. The conversation also covers 2026 limit increases, Solo 401(k) employer vs employee buckets, and the Secure Act 2.0 tax credit for new plans. Key Takeaways Roth conversions must post by Dec 31 for the current tax year Previous-year IRA and HSA contributions allowed until Apr 15 if not on extension Solo 401(k) employee deferrals for S- and C-corps must be deposited within seven days of payroll Sole proprietors can set up and fund a Solo 401(k) for the prior year by Apr 15 Use spousal IRAs and backdoor Roths to maximize annual limits Stage conversions across two years to manage tax brackets while starting compounding sooner Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

Most people think HSAs are just for doctor bills, but the new 2026 law changed everything. In this episode, you'll learn how the updated HSA rules can help you save more money, pay less tax, and build real long-term wealth. We walk through the new contribution limits, smart strategies to grow your HSA, and how business owners can use these rules for extra tax savings. You'll understand why the wealthy love HSAs and how you can use these tax strategies in your own life. This episode gives clear finance advice and simple steps that help you make better money decisions fast. Listen now so you don't miss one of the biggest tax savings opportunities of the decade.   Next Steps:

Confused by your financial benefits? You could be leaving money on the table. Discover how to confidently manage 401(k)s, HSAs, FSAs, and employer matching as SHRM's Brittany Fallon and Sherry Martel break down the essentials. Find out how to leverage life events, avoid costly mistakes, and make the most of your financial opportunities at work.  Resources from this Week's Episode - Designing and Administering Defined Contribution Retirement Plans   Subscribe to the All Things Work newsletter to get the latest episodes, expert insights, and additional resources delivered straight to your inbox: https://shrm.co/fg444d    ---  Explore SHRM's all-new flagships. Content curated by experts. Created for you weekly. Each content journey features engaging podcasts, video, articles, and groundbreaking newsletters tailored to meet your unique needs in your organization and career. Learn More: https://shrm.co/coy63r 

On this episode of the Sunlight Tax Podcast, I dive into why tax literacy is crucial and how understanding the basics can save you thousands of dollars. I explain how tax-advantaged accounts like IRAs, HSAs, and retirement savings plans work, and why they're some of the most powerful tools for building long-term wealth and financial stability. Using practical examples and simple calculations, I show how small, informed choices can lead to significant tax savings over time. Plus, I share details about my free step-by-step tax strategies class, designed to make complex tax concepts accessible, actionable, and stress-free. Whether you're a self-employed creative, freelancer, or anyone looking to take control of your finances, this episode will give you the tools to understand taxes, maximize savings, and grow your wealth. Don't forget to leave a review—it helps more people find these insights and start feeling confident about their money. Also mentioned in this episode: 01:32 Introduction and Holiday Reflections 03:01 The Importance of Tax Literacy 11:34 Maximizing Tax-Advantaged Accounts for Savings   If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences. Links: Free online tax calculator Join my free class: Make Taxes Easier and Stash an Extra $152k in Your Savings Link to review this podcast on Apple   Check out my program, Money Bootcamp Get your free visual guide to tax deductions  

In today's episode of the My DPC Story Podcast, host Dr. Maryal Concepcion and guest Dr. Amber Beckenhauer reflect on the transformative landscape of Direct Primary Care (DPC) as 2025 ends and 2026 approaches. They discuss critical updates like HR1 and HSA regulations, sharing insights on how legislative changes, practice resources, and evolving patient needs are shaping the future of DPC clinics. Both physicians explore topics like staff restructuring, inflation impacts, and the importance of autonomy and creativity for entrepreneurial doctors. Dr. Amber Beckenhauer highlights her work in physician education, while Dr. Concepcion previews new resources and conferences available for DPC practices nationwide. The episode provides actionable tips for navigating open enrollment, building resilient teams, and adapting to changes in healthcare. Ideal for physicians, healthcare entrepreneurs, and those curious about DPC best practices, this episode inspires listeners to embrace innovation and sustainable growth in primary care. Find the DPC Magazine The Toolkit for more on HSAs and the IRS recommendations about HR1, visit mydpcstory.com/magazine. Connect with Dr. Beckenhauer and inquire about her upcoming courses HERE.For those looking for the Medicare Survival Kit, you can find it HERE.Gusto, the Payroll and HR Solution loved by so many DPCs (including Big Trees MD)! Earn $100 after running your first payroll! Get paid for your medical expertise with Sermo! Sign up for free and start earning today!Support the showBe A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

In this episode, we uncover significant revelations regarding the FBI's investigation into the Uranium One scandal and the controversial raid on Donald Trump's Mar-a-Lago estate. Our host discusses the implications of the FBI's internal memos, which raised concerns about probable cause and the motivations behind the Justice Department's actions. John Solomon welcomes Congresswoman Beth Van Duyne from Texas to discuss the current state of healthcare and the implications of Obamacare. She shares insights on how liberal policies have affected Americans, the need for more healthcare choices, and the potential for innovative solutions like super HSAs. The conversation also touches on rising anti-Semitism, government corruption, and the economic landscape under the Biden administration. Next, Retired FBI unit chief Bassem Youssef joins us to discuss the implications of stonewalling within the agency, particularly in high-profile investigations like the Clinton Foundation and the Benghazi attack. Finally, we tackle the pressing issues surrounding child protection legislation with Terry Schilling, president of the American Principles Project. We delve into the Protect Childhood Innocence Act and discuss the alarming trends in violence and anti-Semitism across the globe. Schilling shares his insights on the cultural shifts affecting our society and the importance of prioritizing family values. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The real fight in U.S. healthcare isn't between doctors and patients—it's against a financing maze that raises premiums, hides quality, and rewards middlemen. We pull back the curtain on why ACA plans look the same yet cost more, how public underpayment pushes employer premiums up, and why political fixes often fail when crafted far from the bedside. With Nate Kaufman joining from the Healthcare Bridge, we tackle the hard trade‑offs behind subsidies, health savings accounts, site‑neutral payments, and the myth that consumers can “shop” their way through complex, high‑risk care.We share a clear framework: protect access now, then rebuild incentives. That means a short‑term patch to avoid coverage gaps, targeted funding for primary and urgent needs, and raising Medicare and Medicaid rates toward actual costs to reduce hidden cost shifting. We also explain where HSAs can help—simple, predictable care—and where they break down—leukemia, cardiac surgery, and other cases where data is scarce and choices are high‑stakes. Along the way, we confront the Fortune‑50 scale intermediaries extracting value and explore how transparency and outcome‑based accountability can shift dollars back to care.Looking forward, we outline a path to a simpler, fairer system: consolidate taxpayer‑funded coverage into a universal base, open drug benefits broadly with smart negotiation, and end tax preferences that prop up inefficient private plans. Most importantly, bring insiders—clinicians, operators, and contract negotiators—into the room with lawmakers so policy matches reality. If you're ready to move past soundbites and into practical steps that protect patients today while building a stronger system tomorrow, this conversation is your roadmap.If this resonated, follow the show, share it with a friend who battles premiums and deductibles, and leave a quick review to help others find it. Your feedback steers future episodes.Support the showEngage the conversation on Substack at The Common Bridge!

Today's episode tackles a wide mix of practical questions. We explore the pros and cons of unions for doctors, how to protect yourself from ACATS fraud, and what you need to know about vesting rules. We also dig into an asset allocation question, upcoming changes to HSA plans in 2026, and whether it makes sense to exchange a mutual fund for its ETF counterpart. It's a packed episode with insights you can put to use right away. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #449 01:19 Unions in Healthcare 05:43 ACATS Fraud: What You Need to Know 16:43 Vesting in Employer's Retirement Accounts 19:42 Rebalancing vs. Paying Capital Gains 27:33 HSA Eligible Healthcare Plans 34:34 Swapping Mutual Funds for ETFs

On this episode of American Potential, host David From welcomes back Dean Clancy, Senior Health Policy Fellow at Americans for Prosperity, to break down the major health care wins inside the One Big Beautiful Bill passed this summer. Dean explains how the bill expands access to Health Savings Accounts (HSAs), allowing millions more Americans to save tax-free for health care. Even more exciting — HSA funds can now be used for Direct Primary Care (DPC) subscriptions and telehealth, giving families easier, more affordable access to their preferred doctors without insurance gatekeeping. Dean also highlights key reforms in Medicaid and Obamacare subsidies, what's still needed to deliver true hassle-free health care, and how AFP's Personal Option campaign continues to push for more freedom and affordability in the health system. If you want to understand how the new law impacts your wallet—and why it's a major victory for health care freedom—this is an episode you won't want to miss.

Healthcare Policy & Obamacare the Affordable Care Act (Obamacare), caused premiums to skyrocket instead of reducing costs. Discussion of President Trump’s stance on healthcare reform, emphasizing Health Savings Accounts (HSAs) as a solution to empower individuals rather than insurance companies. Includes a tweet from Trump advocating for HSAs and opposing corporate welfare for health insurers. Stock performance data of major health insurance companies since Obamacare passed, highlighting massive profit increases. Government Shutdown & Political Divide Commentary on the recent government shutdown, blaming Democrats for prolonging it. Portrays Democrats as controlled by “Marxists” and “radicals,” contrasting Republican values of individual freedom and choice. Mentions internal Democratic Party conflicts and leadership struggles. Legislation Preview Introduction of the “Deporting Fraudsters Act of 2025”, aimed at making welfare fraud a deportable offense for illegal immigrants. Provides statistics on SNAP and public benefits abuse by non-citizens, estimating billions in costs over a decade. Profile on Senator John Fetterman Highlights Fetterman’s dissent from mainstream Democratic positions, especially his strong pro-Israel stance. Discusses his recovery from a stroke and the backlash he faces from within his party. Suggests growing incompatibility between being pro-Israel and being a Democrat. Campus Violence & Radical Groups Reports on violent protests at a Turning Point USA event at UC Berkeley, allegedly funded by far-left organizations. Mentions Antifa involvement and chants celebrating the assassination of Charlie Kirk. References DOJ investigation into funding sources behind these protests and university administrators’ alleged complicity. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.