Podcast appearances and mentions of nick hopwood

Nick Hopwood, CFP® of Peak Wealth joined Daybreak with Steve Gruber to discuss Memorial Day weekend, the economy, the stock market hitting all-time highs, falling gas prices, and what it all could mean for families and investors moving forward. Nick shared insights on today's financial landscape, market momentum, consumer confidence, and key trends impacting Americans as summer begins. Catch the conversation for perspective on the markets, the economy, retirement planning, and more. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

Day Break | Strength, Sacrifice, and the Battle for America's Future --- 00:00 - Monologue 19:07 – Mary Holland, Esq., President of Children's Health Defense and longtime health freedom advocate. Holland discusses reports linking a soldier's heart condition to a COVID vaccine she was allegedly required to take while serving in the military. The conversation focuses on vaccine mandates within the armed forces, informed consent, and the rights of military personnel regarding medical decisions. 47:08 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. Hopwood discusses Memorial Day traditions and boating safety while also covering financial topics including annuities, IPO market activity, and investment strategies. He explains why some investors become trapped in “annuity hell” and discusses the concept of derivative income versus traditional dividend income. 38:08 - Monologue Featuring Ivey Gruber 47:08 – Natalie Dominguez, Title Theft Education Specialist for Home Title Lock. Dominguez discusses a Louisville woman whose home was allegedly stolen through quitclaim deed fraud. She explains how title theft schemes work and why homeowners should monitor property records carefully. 57:17 – Frank Kelly III, CEO of Kelly Benefits and author of Love & Go. Kelly discusses America's growing loneliness epidemic and the broader decline of community and personal connection in modern society. He explains why rebuilding relationships and social engagement is critical for emotional and societal health. 1:16:16 - Monologue 1:24:10 – Congresswoman Kat Cammack, representative for Florida's 3rd Congressional District. Cammack discusses efforts to address workplace sexual misconduct in Congress and reforms aimed at improving accountability and protections for staff members. 1:34:23 – Ryan Duffy, member of the Enbridge Communication Team. Duffy discusses major energy issues facing Michigan ahead of the Mackinac Policy Conference, including energy reliability, security, and the Line 5 tunnel project. He also provides updates on construction progress related to Line 5 infrastructure work in Wisconsin. 1:43:06 – Ivey Gruber, President of the Michigan Talk Network. Gruber discusses food ingredients, health awareness, and concerns over harmful additives in modern diets. The conversation also reflects on the passing of legendary NASCAR racer Drew Busch and his impact on the racing community. --- Check out our brand new podcast, 'Forgotten America'... Episode 16 is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/I4UA2LzQQUg

Nick Hopwood, CFP® of Peak Wealth joins Daybreak with Steve Gruber to break down what's happening in the economy right now, from easing gas prices to a surprisingly resilient market. He points out that April marked the second strongest performance since 1950, a trend that has continued into May with markets staying on a winning streak. Nick also stresses that retirement outcomes shouldn't be left to chance and explains why having a clear plan matters, especially when looking at historical downturns like 1968, one of the worst years in the past century to retire. A timely and important conversation you won't want to miss. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

Day Break | Trump vs China: The Next Global Showdown --- 00:00 - Monologue 28:00 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. Hopwood discusses recent market momentum, retirement planning risks, and common mistakes involving old retirement accounts and required minimum distributions. He also explains the growing importance of derivative income strategies and offers free Social Security analysis resources. 38:11 - Monologue Featuring Ivey Gruber 47:10 – Dr. Michael Hutchison, inventor of the NeuroGuard+. Hutchison discusses advancements in sports safety technology and how the NeuroGuard+ mouthguard is designed to reduce concussion risk. He explains testing and certification efforts involving Michigan State and Wayne State researchers. 57:24 – Daniel Turner, founder and executive director of Power The Future. Turner discusses concerns surrounding funding tied to opposition against data centers. He explains the connection between energy policy, infrastructure growth, and economic development. 1:06:15 – Steve Goreham, Executive Director of the Climate Science Coalition of America and advisor to The Heartland Institute. Goreham discusses climate narratives and reactions to comments from Al Gore regarding future climate concerns. He explains his perspective on energy policy and environmental predictions. 1:16:21 - Monologue 1:24:04 – Katie Heid, News Director at Michigan News Source. Heid covers major Michigan headlines, including a large water main break impacting Auburn Hills and nearby communities. She also discusses wildfire concerns across Michigan and prevention efforts. 1:35:29 – Rob Gonzalez, Miami-Dade County Commissioner, attorney, and political analyst. Gonzalez discusses debates surrounding tax proposals in New York City and migration trends away from high-tax, heavily regulated cities. He explains why many residents and businesses are relocating to states like Florida. 1:44:15 – Ivey Gruber, President of the Michigan Talk Network. Gruber discusses health habits that can improve energy, focus, and overall wellness. The conversation also touches on research regarding everyday behaviors that may negatively impact the nervous system. --- Check out our brand new podcast, 'Forgotten America'... Episode 14 is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/EE7zApiSWks

Want your money to work for you? In this episode of the No Lazy Money Show on WJR, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth join host Ryan Ermanni for a conversation on concentration risk, smart investing strategies, retirement planning, and building long term wealth. Special guest Scott Westgate, CEO of MBC Retirement Services, shares insight on 401(k) plans and why many small business owners may be leaving significant money on the table. The episode also covers Social Security strategies, including when to take benefits, plus practical financial planning tips to help investors make smarter money decisions in today's market. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

Nick Hopwood, CFP® joined Steve Gruber on Daybreak for his weekly segment, continuing a 3.5 year run discussing the US economy and market trends. Nick highlighted the recent jump in gas prices and how rising fuel costs can pressure consumers and slow broader economic growth. He also noted the Federal Reserve is expected to pause and hold interest rates steady, with no additional cuts likely in 2026 based on current data. Looking ahead, Nick and Steve reminded listeners that summer months have historically been a slower period for the stock market, making it important for investors to stay disciplined and focused on long term strategy. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

Day Break | Power Plays: Money, Maps, and the Battle for America --- 00:00 - Monologue 19:04 – Dr. Sanjeev Kumar, Mayo Clinic–trained gynecologic oncologist. Dr. Kumar discusses his case and broader concerns about increasing pressure and scrutiny on physicians. He explains how regulatory and legal actions could impact patient care and the medical profession. 28:00 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. Hopwood breaks down the Fed's decision to hold interest rates steady and what it signals for the economy. He also discusses market trends, including seasonal patterns, long-term growth despite global instability, and the potential return of inflation. 38:07 - Monologue Featuring Ivey Gruber 47:04 – Dan McGroarty, Head Strategic Advisor at Graphite One. McGroarty discusses the growing importance of graphite in national security and defense, particularly in drone technology. He explains why securing domestic supply chains is becoming critical for the U.S. 57:08 – Marc Werner, CEO of GhostBed. Werner explains how poor sleep quality is often tied to mattress issues rather than aging. He discusses how proper support, alignment, and cooling technology can significantly improve sleep and overall health. Visit ghostbed.com/gruber and use code GRUBER for savings. 57:08 – Mark Vargas, GOP Media Surrogate and Editor-in-Chief of Illinois Review. Vargas discusses ongoing redistricting battles across the country. He also provides updates on energy markets and the latest developments involving Iran. 1:16:01 - Monologue 1:35:12 – Wendy Block, Senior VP of Business Advocacy for the Michigan Chamber. Block discusses opposition to a proposed constitutional convention in Michigan. She outlines concerns from the business community and directs listeners to michamber.com for more information. 1:44:01 – Ivey Gruber, President of the Michigan Talk Network. Gruber discusses concerns about government use of AI and technology in vehicles. The conversation focuses on potential risks to personal freedom and privacy. --- Check out our brand new podcast, 'Forgotten America'... The twelfth episode is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/1XbEJhJ6Wrk

Nick Hopwood, CFP® of Peak Wealth joined Steve Gruber on The Steve Gruber Show to discuss market trends, noting how the S&P 500 has historically seen declines during midterm election years but often stages recoveries afterward, with patterns observed consistently since 1950. He also highlighted that while the federal deficit and spending remain elevated, government revenue has risen roughly 10%, and emphasized practical tax guidance, reminding listeners that the best way to submit what you owe is through secure IRS-approved electronic payment systems or direct filing methods to ensure timely and accurate processing. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

The Steve Gruber Show | Fabricated Scandals & Falling Democrats: The Narrative Collapses --- 00:00 - Monologue 19:08 – Patrice Onwuka, Director of the Center for Economic Opportunity at the Independent Women's Forum. Onwuka discusses retirement insecurity facing many Americans and highlights a policy rule that could improve long-term financial stability. She explains how reforms could help individuals better prepare for retirement. 27:58 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. Hopwood breaks down current market trends, recent drawdowns, and what history suggests about potential rebounds. He also covers Tax Day strategies, including Roth contributions, and discusses growing concerns about the federal deficit. Visit YouTube.com/peakwealthmgmt to catch all of his segments. 38:07 - Monologue Featuring Ivey Gruber 47:07 – Marc Beckman, Senior Advisor to the First Lady, author of Some Future Day, and producer of the film MELANIA. Beckman discusses the first conviction under Melania Trump's “Take It Down Act” and highlights her work supporting children and combating exploitation. He also addresses public perception and criticism of her initiatives. 57:18 – Mandy M. Gunasekara, author of Y'all Fired and former Chief of Staff at the EPA under President Trump. Gunasekara discusses global energy markets, including oil and gas concerns tied to the Strait of Hormuz. She explains how geopolitical tensions are influencing energy prices. 1:06:05 – Sen. Brad Overcash, North Carolina State Senator representing Gaston County. Overcash discusses a political dispute involving a mural controversy and criticism directed at Democrats. He outlines the broader cultural and political implications. 1:16:13 - Monologue 1:25:02 – Ivey Gruber, President of the Michigan Talk Network. Gruber discusses developments in the Eric Swalwell case and reacts to a message from an Artemis II astronaut emphasizing faith and purpose. The conversation also explores how technology, particularly cell phones, has impacted human connection. 1:35:02 – Dan Scripps, Chair of the Michigan Public Service Commission (MPSC). Scripps discusses rising energy prices in Michigan and a new rate hike proposal from Consumers Energy. He explains the regulatory process and what it could mean for consumers. --- Check out our brand new podcast, 'Forgotten America'... The tenth episode is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/OLbwSDIhfuA

Nick Hopwood, CFP® of Peak Wealth joined The Steve Gruber Show to break down the oil price spike driven by Iran tensions, what it means for oil stock investors, and why chasing short term gains can be risky. He explains the broader market impact, rising volatility, and how long it may take for markets to stabilize as uncertainty continues. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

On this episode of No Lazy Money, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth join Ryan Ermanni on WJR for a timely conversation on today's biggest financial headlines. They break down key updates around beneficiary IRAs and what recent rule changes mean for investors and retirees, while also discussing market volatility tied to geopolitical tension, including the Iran conflict and its impact on oil prices. The conversation highlights how global events can affect portfolios and why staying disciplined with a long term plan matters more than ever. Catch No Lazy Money live the first Wednesday of every month at 7 PM on WJR for practical, real world financial guidance. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

The Steve Gruber Show | Protests, Power, and the Shutdown Crisis --- 00:00 - Monologue 18:53 – Ali Safavi, member of Iran's Parliament in Exile and President of Near East Policy Research. Safavi discusses escalating tensions inside Iran, including reports of the regime executing political prisoners tied to opposition groups. He explains what these actions signal about instability within the country. 27:46 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. In this week's No Lazy Money segment, Hopwood covers market volatility, a recent downturn heading into the end of Q1, and why a 10% correction should be expected in long-term investing. He also discusses retirement planning strategies and the importance of stable advisor relationships. Visit peakwm.com/gruber for a free Roth conversion analysis. 38:00 - Monologue Featuring Ivey Gruber 46:52 – Ivey Gruber, President of the Michigan Talk Network. The two offer commentary on current political and economic headlines. They share perspectives on recent developments shaping the national conversation. 57:03 – Tom Martin, Past President of SMACNA (Sheet Metal and Air Conditioning Contractors' National Association). Martin highlights the growing demand for skilled trades and promotes National Careers in Construction Week. He explains the opportunities available in well-paying trade careers and the importance of workforce development. 1:05:57 – David Zere, political commentator and host of Breaking Point on Real America's Voice. Zere discusses developments at the Pentagon and ongoing national security concerns. He provides insight into military leadership and defense policy. 1:16:06 - Monologue 1:24:50 – Tim Golding, Michigan State Director for Americans for Prosperity. Golding discusses the GOP nominating convention and key policy priorities, including housing and zoning reforms. He outlines the initiatives AFP is working on across Michigan. 1:34:39 – Wayne Barnes, former FBI counterintelligence veteran and author of A Traitor in the FBI. Barnes discusses Iran's threats of retaliation and concerns about expertise gaps within the FBI. He explains what this could mean for national security moving forward. 1:43:28 – Ivey Gruber, President of the Michigan Talk Network. Gruber wraps up the show with commentary on recent political protests and public messaging. He discusses broader themes around civic engagement and political awareness. --- Check out our brand new podcast, 'Forgotten America'... The seventh and eighth episodes are live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/7r4XPsrY4bg

On this special feel-good edition of the The Steve Gruber Show, financial advisor Nick Hopwood, CFP® steps away from his usual discussions on the U.S. economy and personal finance to share a meaningful experience from his time in Jamaica. Nick talks about joining a group of men dedicated to rebuilding homes after a devastating October hurricane, working on roofing and foundation projects for families in need. He also shares powerful images of the rebuild efforts and reflects on the impact of giving back, offering an inspiring look at community, resilience, and service beyond the world of finance. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

The Steve Gruber Show | Fake Moderates, Real Consequences: How the Middle Class Gets Crushed --- 00:00 - Monologue 18:51 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. Hopwood shares a personal story about a trip to Jamaica that turned into a mission effort following hurricane devastation. He discusses helping rebuild homes and the impact of stepping in to serve communities in need. 27:43 – Sen. Camera Bartolotta, representing Pennsylvania's 46th Senatorial District. Bartolotta discusses concerns about widespread fraud and how deep the issue may go. She outlines ongoing investigations and the need for accountability. 37:49 - Monologue featuring Ivey Gruber 46:38 – Tom Simon, spokesperson for Home Title Lock and former FBI Special Agent with 26 years of experience. Simon discusses a case involving a $1.5 million home in Burbank that was allegedly stolen through real estate fraud. He explains how these schemes operate and how homeowners can protect themselves. 56:39 – Justin Davis, Director of Public Affairs for the NRA. Davis discusses the NRA's “Be Ready” campaign amid rising concerns about security threats. He emphasizes the importance of preparedness and responsible firearm ownership. 1:05:30 – Ivey Gruber, President of the Michigan Talk Network. Gruber discusses personal safety and preparedness, including the importance of training and responsible firearm use. The conversation also touches on the case of Mahmoud v. Taylor and broader legal implications. 1:15:38 - Monologue 1:24:30 – Jeanne Allen, Founder and CEO of the Center for Education Reform and the Yass Center for Education. Allen discusses recent developments suggesting the Department of Education is moving closer to potential restructuring or shutdown. She explains what this could mean for education policy nationwide. 1:34:20 – Wendy Block, Senior Vice President of Business Advocacy for the Michigan Chamber. Block discusses key ballot and policy issues, including opposition to a graduated income tax proposal and a potential constitutional convention. She also addresses concerns about proposals affecting political spending and business advocacy. 1:43:08 – Ivey Gruber, President of the Michigan Talk Network. Gruber discusses the Army raising the enlistment age to 42 and whether declining health among young Americans is a factor. The segment also explores the broader issue of obesity and the importance of healthier lifestyles and nutrition. --- Check out our brand new podcast, 'Forgotten America'... The sixth episode is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/aKxApESBYuo

The Steve Gruber Show | Election Bombshells, Rising Chaos & America's Turning Point --- 00:00 - Monologue 19:11 – Dr. Steven Quay, physician-scientist and public health expert with more than 380 peer-reviewed publications. Quay discusses why biological threats remain an overlooked national security risk. He explains the potential dangers and why preparedness should be a higher priority. 28:00 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. In this week's No Lazy Money segment, Hopwood breaks down market volatility, inflation concerns, and the potential for rising energy-driven price pressures. He also explains tax risks tied to inherited IRAs and 401(k)s, while offering a free inherited IRA analysis through peakwm.com/gruber. 38:11 - Monologue 46:59 – Brian Orme, CEO of Global Christian Relief. Orme discusses the evolving situation in Iran and what it means for Christians in the region. He emphasizes the importance of listening to and supporting the church during uncertain times. 56:57 – Steve Swedberg, Policy Analyst with the Center for Economic Freedom. Swedberg analyzes February inflation data and warns that rising energy prices could push costs even higher. He explains how current trends could impact consumers and the broader economy. 1:05:47 – Josh Findlay, Director of the Texas Public Policy Foundation's National Election Protection Project. Findlay discusses the SAVE America Act and growing support for requiring proof of citizenship to vote. He also addresses criticism of the legislation and the broader debate over election integrity. 1:15:34 - Monologue 1:24:29 – Steve Moore, Chairman and Co-Founder of Unleash Prosperity. Moore discusses the economic impact of major medical breakthroughs, arguing that curing diseases like cancer could generate massive economic benefits. He explains how innovation in healthcare could reshape the economy. 1:34:30 – Rep. Gina Johnsen, representing Michigan's 78th House District. Johnsen discusses her new legislation aimed at protecting vaccine exemption rights. She explains why she believes the bill is important for personal freedom and healthcare choice. 1:43:19 – Ivey Gruber, President of the Michigan Talk Network. Gruber discusses concerns about data privacy, including reports that vehicle tire sensors may be capable of tracking driver behavior. The conversation explores the broader issue of data collection, trust, and how easily personal information is shared in today's digital world. --- Check out our brand new podcast, 'Forgotten America'... The fifth episode is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/CruHHRXxRE4

Nick Hopwood, CFP® of Peak Wealth, joined The Steve Gruber Show to discuss rising gas prices as tensions in Iran continue to escalate, with prices expected to surpass $4 per gallon in many areas. He also covered troubling economic signals including 92,000 job losses reported in February and what that could mean for the broader economy. Nick shared insight into whether the Federal Reserve is likely to cut interest rates or hold steady, and what investors should expect if the conflict in Iran continues, including ongoing market volatility and the importance of staying disciplined with long term investment strategies. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth join Ryan Ermanni on WJR's No Lazy Money Show to discuss the potential impact of Trump Accounts and how they could benefit children's financial futures. In this conversation, they break down who these accounts are designed to help, which families may qualify for the $1,000 government contribution, and how starting to invest early for kids can create powerful long term growth. They also explain how parents and grandparents can use these accounts to build wealth for the next generation and why even a small investment today could grow into meaningful support for education, entrepreneurship, or other future opportunities. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

The Steve Gruber Show | National Security, Economic Strength, and the Future of America --- 00:00 - Monologue 19:04 – Mary Flynn O'Neill, Executive Director of America's Future, Inc. O'Neill discusses the ongoing fight against human trafficking in the aftermath of the Epstein scandal. She explains why the issue remains a major concern and what steps advocates are taking to protect victims and hold traffickers accountable. 28:00 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. In this week's No Lazy Money segment, Hopwood breaks down market reactions to events in Iran, the Dow's streak of gains, and the potential impact of new “Trump accounts” that could invest $5,000 per year for 18 years. He also continues a conversation about capital gains strategies, comparing mutual funds and ETFs for investors. 38:09 - Monologue 47:02 – Rep. Erin Houchin, representing Indiana's 9th Congressional District. Houchin discusses online safety for kids and the growing role of artificial intelligence. She also outlines her proposed “Dalilah Law,” aimed at preventing illegal immigrants from obtaining commercial driver's licenses. 56:50 – Tim Beard, former CIA operations officer and U.S. Marine Corps captain. Beard shares insights from his “Everyday Safety Playbook for an Uncertain World.” He discusses practical steps individuals and families can take to stay prepared in a rapidly changing security environment. 1:05:35 – Larry Behrens, energy expert and Communications Director for Power The Future. Behrens talks about his new book Power Restored: President Trump's First Year and the Revival of American Energy Leadership. He explains how policy changes could help restore American energy dominance. 1:15:27 - Monologue 1:34:17 – Rep. Jimmy Patronis, representing Florida's 1st Congressional District. Patronis argues that Big Tech accountability is urgently needed. He discusses concerns about tech company influence and the need for stronger oversight. 1:43:00 – Rep. Mike Hoadley, representing Michigan's 99th District. Hoadley discusses his effort to eliminate permit requirements for concealed pistols. He explains why he believes the change would strengthen Second Amendment protections in Michigan. --- Check out our brand new podcast, 'Forgotten America'... The third episode is live NOW at Steve Gruber on YouTube! Link below: https://youtu.be/vZiEUjtQ-m4

In the latest episode of the No Lazy Money Show with host Ryan Ermanni of WJR, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth break down the key changes to Obamacare subsidies in 2026 and what they mean for anyone under 65 who needs their own health insurance. They explain how these subsidies can make premiums more affordable, who still qualifies, and who must pay full price. Understanding these rules is essential for anyone navigating the health insurance marketplace this year. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

On the latest episode of the No Lazy Money Show, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management join host Ryan Ermanni on WJR to break down a hot topic shaking investors: massive capital gains distributions hitting brokerage accounts and mutual funds ahead of the 2026 tax season. They explain why capital gains distributions are surging, how mutual funds trigger surprise tax bills, and what smart investors can do now to reduce the damage. If you own mutual funds in a taxable brokerage account, this is a must listen conversation. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

The Steve Gruber Show | Collapse & Corruption: Socialism's Global Failure Exposed --- 00:00 - Hour 1 Monologue 19:03 – Jan Jekielek, Senior Editor at The Epoch Times, host of American Thought Leaders, and author of Killed to Order. Jekielek discusses what he calls “China's Epsteins,” arguing that the Chinese Communist Party scaled up the Epstein model through state-sanctioned organ harvesting. He explains the evidence behind these claims and the broader human rights implications. 27:35 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. In this week's “No Lazy Money” segment, Hopwood covers energy stocks breaking out, tech sector pullbacks, a 3.7% GDP estimate, and why the Fed may hold rates steady until later this year. He also warns about capital gains tax surprises, shares real client stories, and offers a free Social Security analysis at peakwm.com/gruber. 37:57 - Hour 2 Monologue 46:53 – Michael Chamberlain, Director of Protect the Public's Trust. Chamberlain discusses what he sees as growing misconduct among America's leaders. He argues that political agendas are increasingly being prioritized over fairness and the rule of law. 56:57 – Jose Mallea, former White House and State Department staffer under President George W. Bush and former campaign manager for Senator Marco Rubio. Mallea explains why Belize is emerging as a concern in Washington policy circles. He discusses geopolitical warning signs and regional security implications. 1:05:52 – Tom Coulson, owner of Liberty Coin Service. Coulson analyzes the current price of precious metals and where the market may be headed. He also reviews listener-submitted coins live on air—send your submissions to https://youtu.be/LcYYLfQWCY0

✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here — Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth join Ryan Ermanni on WJR's No Lazy Money for a timely and practical conversation about money. In this episode, they talk through planning ahead for 2026 investments, the questions investors should be asking Peak Wealth as a potential client, and tax laws and money opportunities many people may be overlooking. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here — Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth joined Ryan Ermanni on The No Lazy Money Show on WJR for a wide ranging, real world conversation about what is shaping your financial future. They broke down the economic impact of the Big Beautiful Bill, including taxes and Social Security, and discussed how nonstop political headlines can influence investor behavior. They explained why reacting emotionally to the news can derail smart long term decision making. The episode also explored the Five Stages of Retirement, the important choice between semi retirement and a full stop, and four key questions everyone should ask when planning their future.  — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

The Steve Gruber Show | From Recession Warnings to Economic Boom --- 00:00 - Hour 1 Monologue 19:00 – Hans von Spakovsky, Senior Legal Fellow in the Edwin Meese III Institute for the Rule of Law at Advancing American Freedom. Von Spakovsky discusses a judge's decision to block the termination of Temporary Protected Status (TPS) for Haitian nationals. He explains the legal reasoning behind the ruling and its broader immigration implications. 27:51 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. In this week's “No Lazy Money” segment, Hopwood breaks down the latest jobs numbers, the Dow crossing 50,000, and trends shaping the markets. He also offers a free Social Security analysis at peakwm.com/gruber and explains why staying independent and advisor-owned matters in today's private equity-driven wealth management industry. 38:02 - Hour 2 Monologue 46:56 – Paul Miller, CPA and founder of Miller & Company LLP in New York City. Miller shares five critical things taxpayers should check before hitting “submit” this tax season. He explains common mistakes that could trigger audits or cost filers money. 56:55 – Claire Abernathy, Independent Women ambassador and detransitioner. Abernathy shares her powerful story, first told alongside her mother in the “Identity Crisis” series. She discusses being told she would be suicidal if she did not transition and reflects on the long-term impact of those medical decisions. 1:14:57 - Hour 3 Monologue 1:24:29 – Eric Metaxas, New York Times bestselling author, host of The Eric Metaxas Show, and President's Fellow at Cornerstone University. Metaxas discusses free speech, faith, and the Founders' vision for America. He argues that many colleges are ignoring the constitutional blueprint that shaped the nation. 1:34:31 – Perry Johnson, Michigan businessman, author, and political candidate. Johnson announces his entry into the race for Michigan Governor. He outlines his priorities and vision for the state moving forward. --- Visit Steve's website: https://stevegruber.com TikTok: https://www.tiktok.com/@stevegrubershow Truth: https://truthsocial.com/@stevegrubershow Gettr: https://gettr.com/user/stevegruber Facebook: https://www.facebook.com/stevegrubershow Instagram: https://www.instagram.com/stevegrubershow/ Twitter: https://twitter.com/Stevegrubershow Rumble: https://rumble.com/user/TheSteveGruberShow

The Steve Gruber Show | Fear, Lies, and Control --- 00:00 - Hour 1 Monologue 19:08 – Dan Doyle, oil industry insider, author of Of Roughnecks & Riches: A Start-Up in the Great American Fracking Boom, and president of Reliance Well Services and Arena Resources. Doyle explains why global oil markets are largely shrugging off President Trump's plans regarding Venezuela. He offers insight into energy geopolitics, production realities, and investor expectations. 27:53 – Nick Hopwood, Founder and President of Peak Wealth, with No Lazy Money. Hopwood breaks down the latest economic outlook, including GDP growth estimates, interest rate trends, and refinancing opportunities, while warning listeners to prepare for a potential market correction in 2026. He also discusses early-year financial goal setting. Visit PeakWM.com/Gruber for a free social security analysis  38:06 - Hour 2 Monologue 47:01 – Carolyn D. Gorman, Paulson Policy Analyst at the Manhattan Institute. Gorman discusses a new issue brief arguing that universal mental health screenings in schools may do more harm than good. She explains how well-intentioned policies can negatively impact students with mental illness. 57:04 – James Fitzpatrick, Director of the Center to Advance Security in America (CASA). Fitzpatrick reveals how some Minnesota schools are allegedly helping individuals evade ICE enforcement. He explains why this raises serious concerns about public safety and the rule of law. 1:05:49 – Dr. John Lucey, food science professor at the University of Wisconsin–Madison. Dr. Lucey breaks down the science behind raw milk and what Michigan residents should know before consuming it. He explains the risks, benefits, and common misconceptions surrounding raw dairy products. 1:15:28 - Hour 3 Monologue 1:24:14 – Ronna McDaniel, Chief Executive Officer of the Michigan Forward Network. McDaniel discusses rising energy costs in Michigan and recaps the state's job outlook following President Trump's recent visit. She also addresses a growing story highlighting what she calls Democratic hypocrisy on diversity. 1:34:09 – Ryan Duffy, member of the Enbridge Communications Team. Duffy explains a recent federal court decision that delivered a major win for Line 5 and provides an update on the tunnel project's timeline. He also discusses winter safety operations at the Straits and how Enbridge is learning from other tunnel projects. 1:42:50 – Ivey Gruber, President of the Michigan Talk Network. Gruber reacts to winter snowstorms hammering the Midwest and shares a story about a Plymouth Barracuda selling for $3.3 million. The segment wraps up with a fun discussion on eight of the happiest foods to eat. --- Visit Steve's website: https://stevegruber.com TikTok: https://www.tiktok.com/@stevegrubershow Truth: https://truthsocial.com/@stevegrubershow Gettr: https://gettr.com/user/stevegruber Facebook: https://www.facebook.com/stevegrubershow Instagram: https://www.instagram.com/stevegrubershow/ Twitter: https://twitter.com/Stevegrubershow Rumble: https://rumble.com/user/TheSteveGruberShow  

Steve is joined by Nick Hopwood, CFP, founder and president of Peak Wealth Management, for another edition of No Lazy Money. Nick breaks down why oil stocks are moving after the Venezuela news, how to prepare for a possible 10% market correction in 2026, and why smart asset allocation still matters. They also expose why many so-called “planners” don't actually plan, and why over half of Americans still lack an estate plan. Start the year with a real strategy, not guesswork. Visit PeakWM.com/GRUBER for a FREE Social Security Analysis 

Steve sits down with Nick Hopwood, CFP, founder and president of Peak Wealth Management, for another edition of No Lazy Money,  focused on discipline, planning, and real-world investing. They look back at Cisco finally hitting a new high more than 25 years after 2000, what the lost decade taught investors, and where money actually worked when the S&P 500 went nowhere. Hopwood also lays out what investors should do if the market drops 10% or more in 2026, weighs in on Ray Dalio joining Michael Dell, and delivers a critical reminder: this is the last call for 2025 tax planning, including QCDs, donor-advised funds, tax-loss harvesting, and Roth conversions. Visit PeakWM.com/Gruber for a free Social Security analysis. Stop letting your money get lazy!

On this episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth talk broadly about changes in health care coverage, including uncertainty around subsidies next year, along with other financial and economic shifts playing out right now. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Nick Hopwood, Certified Financial Planner and founder of Peak Wealth Management, joins The Steve Gruber Show for a no-nonsense discussion on taking control of your finances, NO LAZY MONEY allowed. Nick breaks down what to expect from this week's Federal Reserve meeting, and weighs in on the Wall Street Journal article suggesting people take Social Security at 62 and invest it. The conversation also gets personal and practical: Nick shares a humorous story about why his kid will never be allowed to order DoorDash again, and calls out the rise of TikTok “money influencers” misleading millions about 401(k)s and retirement planning. Visit peakwm.com/gruber for a free Social Security analysis!

This is the 300th episode, and they kick it off with big news worth celebrating. Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth are now on WJR Detroit with Ryan Ermanni for The No Lazy Money Show every first Wednesday from 7 to 8 pm. In this special milestone conversation, Nick and Jim sit down by discussing Simon Sinek's Start With Why and share, in a warm and genuine way, what first pulled them into this work. They talk about the purpose that keeps them serving families, what motivates them on the hard days, and why helping people find clarity and peace with their money is more than a job for them. It is a chance to truly get to know who they are and the heart behind the way they lead, serve, and plan. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Nick Hopwood, CFP® of Peak Wealth joined Ryan Ermanni on WJR to unpack the new federal newborn investment accounts and how families can let those funds grow from day one. He highlighted how long-term compounding, paired with the Dell family's philanthropic commitment to expand access, could spark a new generation of investors and help level the playing field for kids from all backgrounds. Catch Nick on WJR the first Wednesday of every month on the No Lazy Money show with Jim Pilat, hosted by Ryan Ermanni. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

This week on the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® kick off with a Thanksgiving recap and highlights on Michigan football. Plus, they share a big announcement: starting December 2025, catch them live on the first Wednesday of each month at 7 PM on WJR for No Lazy Money with Ryan Ermanni, an hour-long show diving into what “No Lazy Money” really means.  — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Nick Hopwood, CFP and founder of Peak Wealth Management, shares strategies to help Americans retire with confidence. From navigating market volatility and comparing brokers like Robinhood, Schwab, and Fidelity, to making the most of forgotten 401(k)s and last-minute Roth conversions, Nick covers it all. Get your finances in peak shape before the year ends.  Visit PeakWM.com/Gruber to get in on the last chance for a Roth Conversion before year end!

Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management, joins Steve Gruber to break down smart strategies for your retirement and investments. From new IRA, 401(k), and HSA contribution limits to catch-up rules for those over 50, Nick explains how to make the most of your money. He also compares Wirehouse advisors to RIAs, discusses the impact of the government shutdown on retirement planning, and weighs in on the latest mortgage trends. To get a free Social Security analysis and a second opinion with Nick and his team of CFPs to retire with confidence, visit peakwm.com/gruber.

Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth discuss ETFs – Exchange-Traded Funds —and the “Everyday Is Payday x2” concept, highlighting key points about dividends and investing strategies. In their discussion, they cover how ETFs are structured, the types of dividends investors may encounter, and the factors to consider when exploring income-focused investments. This content is for informational purposes only and is not financial advice or a recommendation. To learn more, visit peakwm.com. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Nick Hopwood, CFP and founder of Peak Wealth Management, joins Steve Gruber to help Americans in the retirement “red zone” plan with confidence. Hopwood explains why getting a second opinion on your Social Security strategy can make a huge difference, and offers guidance on consolidating accounts, understanding the difference between investment advisors and wealth managers, and preparing for the best six months of the year for investing. Visit PeakWM.com/GRUBER for a free social security strategy!

In the new episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management talk about their Peak Process and what new clients can expect when working with their team. They explain how the process helps determine a good fit between what Peak offers and what clients are looking for, creating clarity and confidence from the beginning. Nick and Jim also share how being true wealth managers means doing much more than just investment advising, including retirement planning, tax strategies, insurance guidance, and estate coordination. If you want a second opinion on your financial plan, visit peakwm.com. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth talk about how many people get financial advice from family, friends, or co-workers who are simply trying to share what they have learned. They point out that this advice often comes from personal experiences and may not apply to your own financial situation. As Certified Financial Planners (CFPs), Nick and Jim stress that what works for someone else might not be right for you. A successful financial plan should be designed around your specific goals, interests, and circumstances so it truly fits your life. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth discuss the importance of asset allocation and asset location when building a strong retirement strategy. They emphasize that younger investors can typically afford to be more aggressive with their investment mix, leaning more heavily into equities to take advantage of long-term growth potential, while also being mindful of where those assets are held, whether in taxable, tax-deferred, or tax-free accounts. By aligning investment aggressiveness with one's time horizon and future goals, they explain, individuals can better position themselves for financial independence and a smoother transition into retirement. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On the Trust the Plan Podcast, Nick Hopwood, CFP®, and Preston Gee, CFP® of Peak Wealth dive into insights from the J.P. Morgan Guide to Retirement, offering practical ideas and concepts around getting started with saving, preparing for, and living in retirement. They emphasize the importance of evaluating Roth contributions at various life stages, noting that younger investors often benefit most from Roth accounts due to lower current tax brackets, while those in peak earning years may need to weigh traditional vs. Roth options carefully. The discussion encourages listeners to think strategically about retirement planning early on, adapting their approach as financial circumstances evolve. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com

Nick Hopwood, CFP® and Jim Pilat, CFP® kick things off with some excitement as Michigan Football is back and the season is finally underway. There's plenty to be hopeful for on the field, and even more to look forward to in today's feel-good edition of the Trust the Plan Podcast. We're turning our attention to an important topic: scam calls and suspicious emails. Nick shares a personal story about recently getting hacked, reminding us all how easy it is to fall victim and how important it is to stay vigilant. We've seen a rise in scammers pretending to be Charles Schwab representatives, calling clients to try and gather personal information. If you ever receive a call like this, don't engage. Hang up and give us a call directly. We're here to help. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com

In this episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth shared exciting updates about their continued commitment to community impact through the Invest in Others Scholarship, now available at findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com

On today's episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth discuss recent market data with a focus on international stocks. After years of underperformance, many investors began to ignore this area completely, often with no exposure at all. So far in 2025, international equities have emerged as a leader, and Nick and Jim explain why they are feeling bullish. They share a chart showing the renewed strength in foreign markets and talk about the Fed's August meeting in Jackson Hole, where potential rate cuts were mentioned, which could be a positive for international stocks. As always, this podcast is for educational purposes only and is not a recommendation. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® explore the concept of "What's your number?" This refers to the specific amount of money you need to feel comfortable retiring. They explain how identifying this number brings clarity to your financial planning and helps you focus on what truly matters to achieve your goals. It's about understanding what you need to live the life you want and being able to enjoy it guilt-free once you've reached that point. Nick and Jim outline practical steps to reach your number, including intentional saving, investing, and aligning your plan with your values and vision for retirement. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On this feel-good edition of the Trust the Plan Podcast, Nick Hopwood, CFP®, and Jim Pilat, CFP®, of Peak Wealth started with some positive market news. The S&P 500 is up double digits year to date, which has happened about 30 times since 1950 and is usually a good sign for the rest of the year. They encouraged listeners to focus on data like this rather than emotions, especially with distractions such as potential government shutdowns. The main topic of the episode was beneficiary IRAs and the strategy they recommend when taking withdrawals. They also discussed the investment risks involved and how proper planning can help manage them effectively. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On the Trust the Plan Podcast from Peak Wealth, Nick Hopwood, CFP® and Jim Pilat, CFP® open the episode with a conversation about Michigan football before shifting into a discussion on a recent Wall Street Journal article about changes to tax laws. They explore how certain households, such as married couples with children or retirees, can end up in a zero percent federal tax situation through careful planning. The discussion covers strategies like managing income sources, using deductions, and timing withdrawals to take full advantage of the current tax code. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On a new episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth share insights on the RIA business model and why it continues to attract both advisors and clients. They highlight how the number of RIA firms has doubled in the last 20 years, reflecting major shifts in how people want to work with financial professionals. With a focus on trust, transparency, and real relationships, they explore what makes the independent model so appealing today. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Nick Hopwood, President and Founder of Peak Wealth Management, breaks down the complexities of inherited IRAs and smart wealth strategies. They compare the current 3-year-old bull market with historic trends, the difference between investment advisors and wealth managers, crypto flash crashes and leverage risks, gift tax rules, and balancing 401(k) contributions with after-tax accounts for retirement planning. Go to peakwm.com/gruber for a LIMITED TIME free Beneficiary IRA Analysis

On a new episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth share insights on the RIA business model and why it continues to attract both advisors and clients. They highlight how the number of RIA firms has doubled in the last 20 years, reflecting major shifts in how people want to work with financial professionals. With a focus on trust, transparency, and real relationships, they explore what makes the independent model so appealing today. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Nick Hopwood, Certified Financial Planner and founder of Peak Wealth Management, joins The Steve Gruber Show to guide viewers through smart financial strategies as we enter the final quarter of the year. Hopwood discusses the S&P 500's strong performance, historical trends showing Q4 gains, and why earnings growth matters for investors. He also breaks down how to protect your portfolio from potential government shutdowns and offers insights on making the best Social Security decisions based on income, health, and long-term planning. With Nick, it's all about “No lazy money”, making every financial move count. Visit PeakWM.com/GRUBER to get a free social security analysis! LIMITED OPPORTUNITY!