Podcasts about Registered investment adviser

Prices didn't fall back after the spike—they stuck. We unpack what that really means for your wallet and your portfolio, and why a 3 percent inflation trend can quietly double living costs over a couple of decades. From retirees juggling health care and food increases to younger families squeezed by rent, insurance, and child care, we share a practical roadmap to keep spending power intact without retreating into cash.We walk through a smarter investing playbook: broad, global diversification that reduces concentration risk in the S&P 500, tilts toward profitability, and captures more sources of return. Drawing on factor-aware approaches like those used by Dimensional Fund Advisors, we explain how to balance U.S. and international exposure, why rebalancing matters after long growth cycles, and how to align risk with your real-life goals. You'll hear when it makes sense to green-light big purchases, when to wait, and how to avoid selling at the wrong time.Then we get tactical. Shop your auto and homeowner coverage and compare line by line before switching. Audit statements monthly, cancel dead subscriptions, and dispute unauthorized charges quickly. If your income is down, consider targeted Roth conversions to build tax-free options and reduce future RMD pressure. For career builders, make a results-focused case for a raise rather than leaning on inflation alone. For savers at every stage, small increases in contributions today can create outsized freedom later thanks to compounding.If sticky inflation has you wondering how to stay ahead, this conversation gives you the tools: disciplined diversification, flexible spending, vigilant cost control, and tax planning that creates choices. Listen now, subscribe for more practical money guidance, and share this episode with someone who needs a fresh plan for a higher-cost world. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Michael Green and Harley Bassman unpack asymmetry with Noel Smith of Convex Asset Management. Recorded: December 4th, 2025.For more information, visit https://www.simplify.us. Questions about the content discussed in this video? Please contact info@simplify.us.Simplify Asset Management Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Simplify Asset Management Inc. and its representatives are properly licensed or exempt from licensure. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This content is not intended to provide investment, tax, or legal advice. This content is solely for informational purposes and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. These materials are made available on an “as is” basis, without representation or warranty. The information contained in these materials has been obtained from sources that Simplify Asset Management Inc. believes to be reliable, but accuracy and completeness are not guaranteed. This information is only current as of the date indicated and may be superseded by subsequent market events or for other reasons. Neither the author nor Simplify Asset Management Inc. undertakes to advise you of any changes in the views expressed herein.

This fireside chat with Micha Kaufman, founder and CEO of Fiverr, hosted by Sean Emory and the Avory team. The discussion covers Fiverr's origin story, its evolution into a leading global freelance marketplace, and the dynamics of its two-sided platform connecting buyers and sellers across nearly 800 service categories. Micha explains how Fiverr has adapted to changing trends, including the rise of AI, and highlights the company's focus on trust, repeat business, and expanding services for both small businesses and large enterprises. The conversation also touches on Fiverr's financial growth, operational strategies, and vision for the future, emphasizing its resilience and leadership in the digital services economy.DisclaimerAvory is an investor in Block.Avory & Co. is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Avory & Co. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Avory & Co. unless a client service agreement is in place.Listeners and viewers are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.“Likes” are not intended to be endorsements of our firm, our advisors, or our services. While we monitor comments and “likes,” we do not endorse or necessarily share the opinions expressed by site users. Any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please limit posts to industry-related educational information and comments.Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.Please reach out to Houston Hess, our Head of Compliance and Operations, for any further details.

As we approach another new year, we take a moment to reflect on our financial plans and make adjustments as needed.  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff walk through all of the things you should be revisiting.  Even if you've made a plan, don't let it get stagnant and out of step with your current life and goals. Parts of a financial plan to revisit include: Goals and priorities: we change over time, so this will likely change as well! Progress toward those goals: you may need to adjust if you are off track! Beneficiary designations on accounts, retirement plans, etc as well as estate planning documents. Insurances: the coverage you need at Age 40 is likely not the same coverage you will need at Age 55. Investment allocations: as your risk tolerance changes, so should your investment strategy! College savings: as your kid(s) get older, you may have a better idea of what they will need.   It's a great idea to do at least an annual review.  You may not need to adjust each of these things every year, but that will give you an opportunity to recognize anything in your plan that is out of step in a timely manner.  I think we'd all rather know if we are off track sooner than later so we can make the necessary changes.   For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Ever bought an ETF because the ticker looked clever, only to wonder why it didn't behave like the market you expected? We unpack how exchange traded funds really work, from the tax magic of in-kind redemptions to the quiet costs hidden in spreads, volume, and tracking choices. Along the way, we demystify why some funds hug an index tightly while others take a rules-based path that can lower trading costs and sometimes deliver better long-term results, even if they drift from the benchmark in the short run.We share a practical framework for choosing ETFs that fit your strategy. Start with clarity on your target exposure, then verify whether the fund strictly tracks a benchmark or uses index-like rules with factor tilts such as dividends or profitability. Compare expense ratios among peers, but don't stop there—check average daily volume, how closely the market price matches NAV, and the fund's historical premium or discount. We explain why niche or thinly traded products can surprise you with wide bid ask spreads and why limit orders and smart timing help you avoid paying extra on execution.Taxes matter, and ETFs can shine in taxable accounts. We discuss how mutual funds pass through capital gains at year-end, while ETFs typically minimize them. You'll hear a real-world example of using appreciated ETF shares for charitable giving to avoid gains, preserve a deduction, and sidestep an upcoming capital gains distribution by donating before the ex-dividend date. We also touch on why we favor ETFs over exchange traded notes for core equity exposure, given ETNs' issuer credit risk and potential extra fees.If you want lower costs, tighter control over execution, and fewer tax surprises, this guide will help you build a cleaner ETF lineup. Follow the closing checklist—match the right index, confirm reasonable fees, ensure good volume, and keep market price close to NAV—and you'll avoid the most common pitfalls. Enjoyed the breakdown? Follow the show, share this episode with a friend who invests, and leave a quick review to tell us your favorite ETF screen. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Big changes are here for savers and retirees, and they're easier to navigate than you think. We walk through the 2025 retirement reset with clear contribution limits, what the super catch-up really means for ages 60 to 63, and how to balance Roth and pre-tax choices without leaving money on the table. You'll hear a grounded view on returns going forward—why large-cap U.S. stocks may sit closer to 4.5 to 6 percent and why bonds finally deserve a seat back at the table with 4 to 5 percent potential.From there, we get practical about turning portfolios into paychecks. The classic 4 percent rule still works as a starting point, but inflation and volatility call for guardrails. We outline flexible withdrawal tactics, cash and short-bond buffers, and how to avoid selling stocks in a downturn. If you're retiring early or bridging to Medicare, we share ways to pace withdrawals without blowing up your plan.We also break down Social Security decisions with the latest COLA, rising Medicare premiums, and a realistic break-even window in the mid-to-late 70s. If longevity runs in your family, delaying can pay off; if you're not working, you may blend strategies to manage taxes and risk. To wrap, we give you a no-nonsense year-end checklist: bump savings by one to two percent, rebalance from winners to laggards, verify your Social Security earnings, and right-size your emergency fund to today's expenses.If this helped you reset your plan, follow the show, leave a quick review, and share it with a friend who needs a 15-minute financial tune-up. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

The stock market is a wild and unpredictable place sometimes!  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff chat through stock market “bubbles” and whether or not we might be in one right now.   This episode covers:  The basics of a “bubble”.  An overview of the dot.com bubble from the late 90s/early 2000s.  Stock market performance and recovery times during and following this period.  The value of diversification.  Similarities and differences between the current stock market and the stock market during that period.  How to approach long-term investing in the wake of uncertainty.  We don't have a crystal ball!  Realistically, we can assign valuations to any given company, but the stock is worth whatever price a buyer and seller can agree upon.  That's part of the reason the stock market is unpredictable, and timing the market generally does not work well.  Instead, focus on your long-term goals and come up with an allocation that makes sense for you.  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes.  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

After you listen:Check out the first episode of this two-part series, "What Makes a Financial Plan Fit Your Life?"Explore Schwab's other educational resources around financial planning.In this episode of Financial Decoder, Mark Riepe and Steph Shadel delve into the intricacies of financial planning and portfolio management. They discuss the importance of aligning a portfolio with your financial goals, understanding risk tolerance, and the significance of diversification and rebalancing. The conversation also addresses common misconceptions about portfolio management, the emotional aspects of investing, and the impact of market conditions on decision-making. Additionally, they explore tax efficiency and the importance of regularly updating financial plans to reflect life changes.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresInvestors in mutual funds and/or ETFs should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus via . Please read the prospectus carefully before investing.This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Diversificatio, asset allocation, and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Rebalancing may cause investors to incur transaction costs and, when a non-retirement account is rebalanced, taxable events may be created that may affect your tax liability.Neither the tax-loss harvesting strategy, nor any discussion herein, is intended as tax advice and Schwab Center for Financial Research does not represent that any particular tax consequences will be obtained. Tax-loss harvesting involves certain risks including unintended tax implications. Investors should consult with their tax advisors and refer to the Internal Revenue Service (IRS) website at www.irs.gov about the consequences of tax-loss harvesting.This information is not a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information. All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1125-DJ7M Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A surprise $10,000 can feel like a gift and a puzzle at the same time. Do you save it, invest it, or wipe out debt? We break the decision down with real numbers, simple rules, and the human factors that make money choices stick, so you can act with clarity instead of guesswork.We start by using interest rates as the compass. With forward-looking return estimates around five to six percent for a balanced portfolio, many debts at eight to eighteen percent are hard to beat. You will hear why high-rate credit cards should be paid off first, why carrying a balance does not boost your credit score, and how eliminating interest is a guaranteed return that frees cash flow and lowers stress. Then we step into a nuanced case: a 60-year-old with a 4 percent car loan and three years left. On paper, investing can edge out early payoff. In real life, the emotional ROI of fewer bills, simpler budgets, and pre-retirement calm can matter more than a few extra dollars of expected growth.We also map out a practical decision tree: above 6.5 percent, prioritize payoff; below 4 percent, choose based on goals and risk; in the 4 to 6.5 percent band, let context guide you. Emergency funds, income stability, and upcoming expenses can tilt the scales. And if you hold a mortgage under 3.5 percent, we explain why preserving liquidity and investing may outscore prepayment, especially when tapping home equity later could cost six to seven percent. Throughout, we stress the sleep-at-night premium: that mix of certainty, control, and confidence that turns a good financial move into a sustainable habit.If you found this helpful, follow the show, share it with a friend who just got a bonus, and leave a quick review to help others find clear, calm guidance for their next money decision. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

The goal isn't a magic number—it's a plan that bends without breaking. We take a hard look at the classic 4 percent rule and explain why a pencil, not a tattoo, belongs next to your withdrawal rate in today's world of longer lifespans, persistent inflation, and shifting market cycles. Instead of chasing certainty, we build a system: a clear baseline for essentials, a flexible band for discretionary spending, and simple guardrails that tell you when to adjust.We unpack how the original study assumed a 50-50 U.S. portfolio and higher bond yields, and why those inputs may not hold for the next 30 years. From there, we map a practical range—roughly 3.5 to 5 percent—based on your asset mix and risk tolerance. If markets drop 20 percent, trim withdrawals about 10 percent to protect the plan; if markets rise 20 percent, allow measured increases to fund travel, a car upgrade, home projects, or gifts to family. This approach reduces panic decisions, keeps lifestyle creep in check, and helps you enjoy the good years without putting the bad years on a credit card.We also tackle the costs people forget: annual insurance, property taxes without escrow, the hot water heater that dies at the worst time. By separating needs from wants and aligning needs with a 4 percent baseline, you get clarity. By scheduling periodic reviews, you recalibrate as markets and life change—raising the baseline when sustained gains support it, or tightening temporarily after heavy withdrawals in weak markets. Retirement planning becomes personal, responsive, and resilient.Ready to stress-test your number and set smart guardrails? Follow the show, share this episode with someone planning their retirement, and leave a review with the one question you still have about sustainable withdrawals. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Let's do a quick review of disability insurance!  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff dive into the details of long-term disability insurance.  This coverage is very important for anyone who is still reliant on their income. Discussion topics include: When and why you need this insurance. Different kinds of disability insurance. Details of long-term disability including a breakdown of many common riders. A comparison of employer/group coverage vs. individual coverage. How to apply for coverage. When you may need to increase your coverage and when it's okay to cancel it. No one likes paying for insurance, but insurance allows you to share some larger financial risks with a third party.  Disability insurance is a great example of that.  Most of us feel invincible until we're not. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

After you listen:Read more about the benefits of having a financial plan in the article "5 Ways Financial Planning Can Help."Explore Schwab's education and resources around financial planning.In this episode of Financial Decoder, Mark Riepe is joined by Stephanie Shadel, senior wealth advisor at Schwab, to discuss the essential elements of making a new financial plan, focusing on navigating key financial decisions. They explore the importance of setting personal goals, the barriers that prevent individuals from creating a financial plan, and the necessity of honest assessment of your priorities and present situation. Stephanie shares her experiences with past clients and highlights the emotional aspects of initial choices that start the planning process.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1125-7H1W Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Block Q3 2025 Post-Mortem: Acceleration With An AI EnginePost MortemIn this episode of Around the Desk, Sean Emory, Founder & CIO of Avory & Co., breaks down why Block is re-accelerating across Cash App and Square, how Borrow economics compound inside the ecosystem, and why Goose AI is the quiet operating layer powering efficiency and product velocity.DisclaimerAvory is an investor in Block.Avory & Co. is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Avory & Co. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Avory & Co. unless a client service agreement is in place.Listeners and viewers are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.“Likes” are not intended to be endorsements of our firm, our advisors, or our services. While we monitor comments and “likes,” we do not endorse or necessarily share the opinions expressed by site users. Any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please limit posts to industry-related educational information and comments.Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.Please reach out to Houston Hess, our Head of Compliance and Operations, for any further details.

The fastest way to lose your financial footing is to chase someone else's life. We pull back the curtain on financial FOMO—why comparison warps judgment, how hype hides risk, and what it really costs to keep up with curated feeds, trendy purchases, and hot stock tips. Drawing on hard-won lessons from private banking, we unpack the “big hat, no cattle” problem: high incomes paired with high debts and very little true wealth. The images look impressive; the balance sheets tell another story.From retirees eyeing RVs they won't use to investors tempted by message-board momentum, we explore how to spot lifestyle mismatches and promotional noise before they drain your energy and your cash. You'll learn simple, durable guardrails: ask basic questions about profits and customers, set a written investment policy, and resist becoming exit liquidity for someone else's hype. More importantly, we show how to replace the anxiety of missing out with the joy of missing out—protecting the people, routines, and small luxuries that actually make your days better.This conversation is a practical guide to designing a values-first budget. Start by naming what you love—golf, fishing, tennis, Mahjong, community theater, unhurried dinners—and protect that spending. Then prune the rest: unused subscriptions, status upgrades, and impulse buys that don't serve your life. Peace of mind follows when your plan funds what matters, your emergency buffer is real, and your calendar still has room for date night. The win is not the flash; it's the freedom. If that resonates, hit follow, share this with a friend who needs it, and leave a quick review to help more listeners trade FOMO for contentment. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Google Q3 2025 Post-Mortem: AI Execution Over AI HypePost MortemIn this episode of Around the Desk, Sean Emory, Founder & CIO of Avory & Co., breaks down why investors are rewarding Google's spending while punishing others, and how its strategy from TPUs to Gemini shows real ROI in the new compute era.We cover:• Revenue acceleration across Search, YouTube, and Cloud (+15% to +34%)• Gemini's rapid growth to 650M users, 300M paid• Why CAPEX to $93B is seen as productive, not reckless• Anthropic's commitment to TPUs and the growing Cloud backlog (+46%)• How AI integration is lifting engagement and monetization• Why Google's AI flywheel looks more efficient than peersDisclaimer Avory is an investor in AlphabetAvory & Co. is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Avory & Co. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Avory & Co. unless a client service agreement is in place.Listeners and viewers are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.“Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback, please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information and comments. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.Please reach out to Houston Hess our head of Compliance and Operations for any further details. 

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss some potential complications of declining property values.  Don't panic!  This may not even apply to you, but it's good information to understand.  If your home is worth less than you expect:  If you purchased in the last couple of years and want to refinance, you may not be able to do so.  Many banks require a certain percentage of equity to refinance your loan.  Try to get the details of refinancing before you buy!  You won't be able to borrow against the value of your home unless you have enough equity.  If you need to sell, you may end up actually paying money to get out of the house.  For example, if you purchased a home for $900,000 and paid 10% down but your home is now worth $800,000, the proceeds from the sale may not be enough to pay off your mortgage and pay the closing costs on the loan.  If you're staying put, it may not be a big deal at all!   Generally, the longer you plan to stay in a home, the less likely you will be hit with some of these problems.  You probably will have much more equity in a home you've lived in for ten years than one you lived in for three years.  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes.    Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

The price you pay at the pharmacy isn't just about the drug—it's about the plan, the pharmacy network, and the rules hidden in the fine print. We break down a simple, repeatable method to shop Medicare Part D so you protect access to your doctors and treatment while cutting real costs. With Medicare's new $2,000 out-of-pocket cap, the math changes: premiums and pharmacy choice now drive your savings more than fear of runaway brand-name bills.We walk through Medicare.gov step by step—creating your account, reviewing your medication history, and adding every pharmacy you actually use, from your local favorite to the chain near your vacation home. You'll learn how to identify preferred pharmacies, interpret plan deductibles that often bypass generics, and compare total annual cost, not just the monthly premium. Along the way, we share client stories that show how zero-premium plans can deliver $0 copays on key generics and how pairing Part D with Mark Cuban's Cost Plus Drugs can slash prices on certain fills without sacrificing convenience.If you rely on insulin or name-brand medications, you'll hear how to prioritize plans that price your specific drugs best, why star ratings matter for service and fewer headaches, and the easiest way to enroll online. We also cover pro moves like setting premiums to auto-deduct from Social Security to avoid missed payments and ensuring your new card is on file before January 1 so refills don't stall. It's a clear, calm guide for you and the loved ones you help—because the right plan isn't the cheapest on paper, it's the one that fits your real life.If this helped, follow the show, share it with someone who needs it, and leave a quick review to help others find practical Medicare guidance. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Year-end can either drain your wallet or sharpen your plan. We chose the latter and mapped out a clear, 15-minute money tune-up you can run before the holidays hit full speed. We start with practical steps to tame seasonal spending—set a simple gift cap, try a family name-draw, coordinate with grandparents, and lock in travel numbers—so December doesn't turn into a last-minute splurge-fest. With your holiday budget set, we pivot to boosting savings the smart way: adjust 401(k) contributions after pay changes, consider Roth options for tax flexibility, and automate a Roth IRA so you're not scrambling at tax time.Markets have been strong, which makes rebalancing more important, not less. If large-cap growth has crept beyond your target, we explain how to trim gains and add to value or international to keep risk in check. Nearing retirement? Bonds aren't just ballast anymore. With yields back, fixed income can provide income and act as a shock absorber when stocks get jittery. We share a practical guideline for increasing bond exposure as retirement approaches and how to tailor it to your timeline and withdrawals.Open enrollment is your once-a-year chance to upgrade benefits. We break down the high-deductible health plan plus Health Savings Account combo, the triple tax advantages, and a strategy to invest HSA dollars for those expensive pre-Medicare years if you want to retire early. We also cover using up FSA balances on preventive care you might be delaying. To wrap, we streamline your financial footprint: consolidate old 401(k)s, reduce logins, and manage every account under one unified allocation so your portfolio works as a single, coherent plan.If this helped you steady your year-end money plan, follow the show, share it with a friend who needs a nudge, and leave a quick review—tell us the first task you're tackling today. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Let's go back to macroeconomics class!   In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss the basics of inflation.  Why do prices continue increasing?  We'd rather pay 25 cents for milk too!  Unfortunately, capitalism and supply and demand make price stability pretty much impossible.  And that's not always a bad thing.  Some Basics on Inflation:  Generally measured in the United States by something called the Consumer Price Index (CPI) which tracks the costs of goods and services.  Sky-rocketed coming out of covid times with supply chain issues, cheap money (low interest rates), a tight labor market which generally means higher pay, and stimulus funds.  Lots of demand because people had money, but supply was low, so prices went up.  Now hovering around 3%, but still dealing with the effects of large increases over the past few years.  Wages generally increase over time, which is another upward pressure on price through supply and demand.  The Federal Reserve has a dual mandate to keep inflation in check and keep unemployment low.  That does NOT mean zero inflation.  They have a target inflation rate of 2%.  One of the biggest ways they do this is by increasing interest rates, therefore making it harder for people to purchase things they would need to finance.  To protect against inflation:  Keep short-term savings in something like a high-interest savings account where you can earn interest.  Negotiate pay increases based on your cost of living.  Retirement money should be invested so that it has a chance to grow and outpace inflation – although we know this is not a guarantee, inflation is the bigger risk to long-term money.  Inflation is a part of the global economy!  We can't get rid of it, so the best we can do is protect our personal finances as best we can from its effects.  Listen to the full episode to hear more.  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes.    Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Pensions are fading, and the 401(k) is now the primary engine for a real retirement paycheck. We unpack what that shift means for your money, from how much to save to which account type—pre-tax or Roth—gives you the most control over future taxes. We start by challenging the “save to the match” mindset and show why 15% is a more reliable target for long-term security, especially if you didn't start in your early twenties.We dig into the fine print that quietly costs people thousands: vesting schedules and small-balance cash-outs when changing jobs. You'll learn how to time career moves so you keep employer dollars, and how to roll old 401(k)s in minutes instead of paying taxes and penalties on a forced distribution. Then we get practical about investing inside the plan—when a target-date fund is “good enough,” what to check for (fees, glide path, risk), and how to build a simple, low-cost, diversified mix if your default option isn't pulling its weight.The conversation peaks with the Roth 401(k), a standout strategy for younger and higher-earning listeners who want tax-free income later. We clear up the biggest myth—there's no income limit for Roth 401(k) contributions—and walk through how employer money differs from yours at tax time. With current contribution limits of $23,500 under 50 (plus $7,500 catch-up if you're 50+), we lay out step-up tactics to reach 15% without shocking your budget. By treating your 401(k) like your future paycheck, and combining smart savings, vesting awareness, clean rollovers, and tax-savvy investing, you'll build a plan that compounds quietly and pays loudly.If this helped, follow the show, share it with a friend who needs a nudge on their 401(k), and leave a quick review so others can find it. Your future self will thank you. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Panic sells, but context pays. We break down the latest “shutdown showdown” and strip it to the essentials: what actually stops, what keeps going, and how the market usually behaves when politics hog the headlines. From national parks and TSA lines to passport and IRS delays, we map the real-world annoyances you might feel—then zoom out to the history that shows why short shutdowns rarely leave lasting marks on your portfolio.We walk through the counterintuitive market moves you might see—like Treasuries rallying as investors seek safety—while stocks get choppy and volatility jumps. More importantly, we share a practical investor playbook that replaces guesswork with guardrails: keep a cash buffer for near-term needs, stick to your long-term allocation, automate contributions and rebalancing, and resist the urge to trade on political predictions. Washington's timeline is messy and nonlinear; markets usually price the drama before most people can react, which makes knee-jerk decisions costly.If shutdown headlines have you on edge, you'll leave with clarity and a calmer plan. Hold your ground, focus on what you can control, and let your process do the heavy lifting while the news cycle spins. If this helped steady your nerves, share it with someone who's doomscrolling and needs a reset. Subscribe, leave a quick review, and tell us: what headline tempts you to hit the sell button? Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Financial Clarity for Doctors spends a lot of time talking about how to balance your financial priorities and achieve your goals with the resources you have.  In this episode, hosts Corey Janoff and Rachelle Vanderzanden take some time to delve into those life goals.  We often ask clients, “What's the fairy tale for you?”  Spending some time thinking about the things you're working toward can be a lot of fun – and motivating!  Your goals can be anything!  Maybe for you it's working less now and taking more time for family, friends, and hobbies now.  It could be longer-term traveling plans.  Someday maybe you'll have the luxury of a trip that lasts a month or two instead of a week or two.  For some folks, it's having that very special place to land with friends and family.  Beach house anyone?  A place in the mountains?  Others want to have the ability to make dreams come true for their children or even people they've never met.   Take some time to think about your own motivation.  It may help you find the balance between living for today and saving for the future.  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes.    Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

What is your wealth's highest purpose? In this episode, we explore that question with a professional wealth advisor who is passionate about helping millennials use their resources to create real impact. We'll dive into donor-advised funds—are you using one?—and why they matter for high-income, mid-career millennials.You'll hear how the bunching strategy works, and a special story about his son shaped his personal giving plan.This is a conversation about aligning strategy with purpose—and why the way you give can matter as much as what you give. Adrian Colarusso is an investment adviser representative of Target Rock Wealth Management, a Registered Investment Adviser with the Securities and Exchange Commission andprincipally located in the state of New York. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Advisory services are only offered to clients or prospective clients where Target RockWealth Management and its representatives are properly registered or exempt from registration. This podcast is for informational purposes only and does not constitute individualized advice or a guarantee that you will achieve a desired result. You should consult with appropriate tax and/or financial advisors for advice specific to your situation. All expressions of opinion reflect the judgment of interviewee on the date of the program and are subject to change.

Ready to optimize your retirement savings strategy? Let's clear up some confusion about Roth vs. Traditional retirement accounts that might be costing you thousands in future tax benefits.First, let's bust a common myth: there are NO income limits for Roth 401(k) contributions! While Roth IRAs do have income restrictions, your salary never disqualifies you from making Roth 401(k) contributions if your employer offers this option. And starting next year, highly-compensated employees over 50 will need to make their catch-up contributions as Roth.Traditional accounts give you an immediate tax break by reducing your taxable income now, with taxes due on both contributions and earnings when you withdraw in retirement. Roth accounts offer no immediate tax deduction, but qualified withdrawals in retirement—including decades of compound growth—come out completely tax-free.For early-career savers, I generally recommend Roth contributions regardless of income. The power of tax-free compounding over 30-40 years typically outweighs immediate tax savings. Mid-career professionals face a more nuanced decision based on current tax situations and future tax rate expectations. Pre-tax contributions can strategically keep your income below thresholds for valuable tax benefits like the expanded SALT deduction or child tax credits. Meanwhile, Roth IRAs offer a hidden emergency fund feature—you can withdraw contributions (not earnings) anytime without penalties.Running scenarios through tax software can help quantify the difference between these options for your specific situation. But remember, while saving strategically matters, I've never met anyone who regretted saving too much for retirement—just don't forget to enjoy life with loved ones along the way!Want more financial insights delivered in 15 minutes or less? Subscribe to Better Financial Health and take control of your financial future today! Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Ever find yourself feeling financially inadequate after scrolling through social media? You're not alone. Financial FOMO—the fear of missing out when comparing your money situation to others—affects nearly everyone, but it can lead to decisions that derail your financial future.As we explore in this episode, humans are naturally wired to compare ourselves against others. The problem intensifies with social media, where we only see the highlight reels—the new cars, fancy vacations, and investment wins—without glimpsing the complete financial picture beneath the surface. What looks like success might actually be hiding massive debt, empty bank accounts, or financial anxiety.I share my personal experience with financial peer pressure: backing out of buying a practical minivan because someone made fun of me, only to regret it for years afterward. This story illustrates how allowing others' opinions to influence our financial decisions often leads to choices that don't align with our actual needs and values. The question isn't "What do others have that I don't?" but rather "What do I truly want and need?"To combat financial FOMO, try these practical strategies: limit your social media scrolling, celebrate your own financial milestones (like paying off debt), automate your savings and investments, and find your "money tribe"—people who share your financial values and priorities. Remember, when you see someone's flashy purchases online, you're only seeing the tip of the iceberg, not the potential financial stress hidden beneath.Your financial journey is yours alone. Focus on your own scorecard and make your own garden grow. What financial goals are you working toward that matter to YOU? Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden dive into the world of financial advice driven by Artificial Intelligence.  Computers are becoming more and more sophisticated and nuanced in their ability to answer questions and provide advice and information on a wide range of topics.  Can we rely on AI for good financial advice? In this episode we walk through: Current uses of AI in financial advising including sophisticated note taking and answers to questions based in facts. For example, what is the 401k contribution limit in 2025? We also talk about some of the limits of AI in this world. One of the biggest factors is not knowing what information to provide in order to get a good output. For example, if you forget to prompt for inflation, would that be included in an answer regarding retirement readiness? Financial advice can also be very nuanced and influenced by individual goals, how much risk a person can tolerate, compromises between partners, and personal experiences. It's hard for a computer to know you well enough to take those things into consideration. In short, artificial intelligence may be helpful to solve some of the factual and math questions in finance, but it doesn't seem like we are there yet with the personal side of things.  Which is a very big part of planning!  Listen to the full episode to hear more about ways that AI may be able to help in plan, and areas where it may struggle a bit. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Is it different this time? Cam Harvey rejoins Mike Green and Harley Bassman to discuss the inverted yield curve, the market impact of passive investing, and more. For more information, visit https://www.simplify.us. Questions about the content discussed in this video? Please contact info@simplify.us.Simplify Asset Management Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Simplify Asset Management Inc. and its representatives are properly licensed or exempt from licensure. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This content is not intended to provide investment, tax, or legal advice. This content is solely for informational purposes and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. These materials are made available on an “as is” basis, without representation or warranty. The information contained in these materials has been obtained from sources that Simplify Asset Management Inc. believes to be reliable, but accuracy and completeness are not guaranteed. This information is only current as of the date indicated and may be superseded by subsequent market events or for other reasons. Neither the author nor Simplify Asset Management Inc. undertakes to advise you of any changes in the views expressed herein.

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden unpack many of the assumptions that are built into financial planning.  This is necessary when you can't predict the future, but how conservative or aggressive your assumptions are can greatly impact your chances of success. Some of these assumptions include: Your projected age of retirement How much money you will need to be comfortable in retirement What inflation rates will be between now and then Investment returns Estimated taxes at different points during your career and retirement How much you will be able to save How much income you will receive from social security   No two projections will look the same.  They all rely on assumptions, because we don't have all the data we need for the next 30, 40, or 50 years.  When you are working through financial projections, it is a great idea to adjust the inputs to see how your assumptions are impacting your plans.  For example, if you adjust your inflation estimate from 2.5% to 3.25%, you will need to save MUCH more or modify your standard of living to reach your goals.  We recommend focusing on the things you can control (mostly your spending and your savings) but also understand how different future outcomes outside your control can affect your plans.   For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

The healthcare landscape changes dramatically when you hit retirement age, and Medicare—that government program you've been paying into for decades—finally becomes available. But is it really the free healthcare solution many Americans believe it to be? In this illuminating episode, we unpack the reality behind the Medicare system and what it actually costs retirees.Many approaching retirement assume Medicare will eliminate their healthcare expenses, but the truth is far more complex. We break down each component of Medicare—from premium-free Part A (hospital coverage) with its surprising $1,600 per-stay deductible to Part B's monthly premiums of $175 for doctor visits and medical tests. You'll learn why Medicare Part C (Advantage Plans) might seem attractive with added vision and dental benefits but could ultimately restrict your healthcare choices, and why traditional Medicare with a supplement plan offers more comprehensive coverage despite higher upfront costs.The financial reality is sobering: even with Medicare, retirees should budget $6,000-$10,000 per person annually for healthcare expenses. This includes premiums, deductibles, and costs for services Medicare doesn't cover like comprehensive dental, vision, and hearing care. We share practical strategies for managing these expenses, including leveraging HSA accounts from your working years to cover Medicare premiums tax-free, and why coordinating your Social Security start date with Medicare enrollment can simplify premium payments.Don't get caught unprepared by Medicare's complexities. Whether you're approaching retirement or helping aging parents navigate their healthcare options, this episode provides the clear, straightforward guidance you need to make informed decisions. And remember to review your coverage during the annual open enrollment period from October through December 7th—even if you're satisfied with your current plan, as benefits and networks frequently change. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Ever wonder why that big raise or promotion didn't actually change your financial situation? The culprit might be what financial experts call "lifestyle creep" – the gradual elevation of spending habits that silently consumes increased income before it can build your wealth.In this focused financial guidance session, we examine how even six-figure earners find themselves living paycheck to paycheck due to incremental lifestyle upgrades. Those seemingly minor changes – switching from home-cooked meals to frequent takeout, upgrading from budget vacations to luxury resorts, or adding multiple streaming services – collectively create a significant drain on financial resources. I share a revealing conversation with a friend spending thousands monthly on meal delivery services while simultaneously seeking financial advice, highlighting how awareness doesn't always translate to action.The antidote to lifestyle creep isn't deprivation but deliberate decision-making. I recommend comparing current spending against statements from two years ago to identify inflation in personal expenses, and suggest following a modified 50-30-20 rule when handling raises: limit lifestyle increases to just 30% of new income while directing the remainder toward savings and investments. Building real wealth doesn't come from earning more – it comes from keeping more of what you earn. Try this practical challenge: when you receive your next raise, maintain your current lifestyle for a full month and experience how it feels to have that extra money accumulating rather than disappearing. Then make intentional choices about where that money should go for maximum long-term benefit.Remember that today's financial discipline creates tomorrow's freedom. Small, consistent actions to combat lifestyle creep will compound over time, allowing your future self to enjoy genuine financial security rather than just an upgraded version of paycheck-to-paycheck living. What could your financial future look like if you kept more of each raise you earned? Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden walk through some details of selling different types of medical practices to private equity.  This trend is growing and could potentially affect you whether you are employed by a large hospital system or the sole owner of your own practice. In this episode, you will hear: Discussion of the movement away from physician-owned private practices to larger groups and hospitals. The growth of private equity in medicine. The objectives of private equity firms and the doctors who are looking for investors. A few examples of how a buyout can be structured. Considerations when you are trying to decide if it is worth it. Or even possible. If you're curious about these sorts of transactions, give this one a listen!  Even if you aren't currently employed in a situation where this is possible, it could come up in the future. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Navigating the tax maze just got a little more interesting with the passage of the One Big Beautiful Bill Act. Despite headlines suggesting "tax-free Social Security," the reality offers different but substantial benefits for various groups of Americans.Seniors aged 65 and older can now claim an additional $6,000 deduction ($12,000 for married couples) regardless of whether they itemize or take the standard deduction. This benefit applies even if you haven't started taking Social Security yet, though it phases out for higher-income households. Meanwhile, service industry workers rejoice – tip income can now be excluded from taxable income below certain thresholds, potentially saving servers and other tipped professionals thousands in taxes annually. The SALT deduction cap jumps from $10,000 to $40,000 for most taxpayers, though the marriage penalty remains firmly in place with couples limited to the same $40,000 cap as singles.Car buyers will appreciate the new deduction for up to $10,000 in auto loan interest, while charitable givers face a mixed bag of changes – non-itemizers can deduct $1,000-$2,000 in donations starting next year, but itemizers lose deductibility on their first 0.5% of income donated. Each provision comes with different income limitations based on adjusted gross income, creating planning opportunities for those near these thresholds. Consider strategies like increased retirement contributions or qualified charitable distributions to optimize your position under these new rules.Most Americans will see lower tax bills in the coming three years, but remember – in taxation, "permanent" rarely means forever. As administrations and priorities shift, so too will the tax landscape. Listen now to understand how these changes affect your financial picture and what proactive steps might save you money before filing season arrives.Breaking Down The “One Big Beautiful Bill Act”: Impact Of New Laws On Tax Planning Summaryhttps://www.kitces.com/blog/obbba-one-big-beautiful-bill-act-tax-planning-salt-cap-senior-deduction-qbi-deduction-tax-cut-and-jobs-act-tcja-amt-trump-accounts/ Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Dana Samuelson of the American Gold Exchange joins Michael Green and Harley Bassman for a review of gold.For more information, visit https://www.simplify.us. Questions about the content discussed in this video? Please contact info@simplify.us.Simplify Asset Management Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Simplify Asset Management Inc. and its representatives are properly licensed or exempt from licensure. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This content is not intended to provide investment, tax, or legal advice. This content is solely for informational purposes and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. These materials are made available on an “as is” basis, without representation or warranty. The information contained in these materials has been obtained from sources that Simplify Asset Management Inc. believes to be reliable, but accuracy and completeness are not guaranteed. This information is only current as of the date indicated and may be superseded by subsequent market events or for other reasons. Neither the author nor Simplify Asset Management Inc. undertakes to advise you of any changes in the views expressed herein.

Ever felt paralyzed by not knowing exactly what financial goals to set for your future? You're not alone. This episode tackles the common dilemma many young professionals face: how to save for a future you can't yet envision.Drawing from personal experience, I share how my husband and I discovered our love for Colorado's mountains later in life – a passion we couldn't have predicted in our twenties. Had we waited until identifying this specific goal before saving, our mountain property dream would have remained permanently out of reach. The lesson? Start saving now, even without specific targets.The episode reveals what I consider the ultimate saving hack: when you receive significant pay increases early in your career, resist dramatically changing your lifestyle. Make reasonable upgrades to safety and reliability, but otherwise maintain modest living standards and invest the difference. This approach creates remarkable financial flexibility by your 50s – options like early retirement, vacation homes, helping your children financially, or pursuing passions you haven't yet discovered.We also explore smarter consumption decisions, like our choice to rent boats occasionally rather than purchase one despite owning "everything for a boat except the boat." Having savings gives you the luxury of thoughtful consideration rather than impulsive decisions. Plus, financial security significantly reduces relationship tensions, as money ranks as the number one source of conflict among couples.Time truly is your greatest investment ally – the power of compound interest over decades makes starting early crucial. Don't let uncertainty about specific goals prevent you from saving. Begin now, invest consistently, and create options for a future self you haven't even met yet. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

This episode of Financial Clarity for Doctors delves into some updates to charitable giving under the new One Big Beautiful Bill as well as some other items in the bill that may affect listeners.  Hosts Corey Janoff and Rachelle Vanderzanden walk through some highlights.  Keep in mind that federal policy evolves as the executive branch and Congress evolve.  This is the tax structure for now, but not forever. Changes under the One Big Beautiful Bill Act include: Non-itemizers may deduct charitable gifts of up to $1,000 per person, $2,000 per couple. Itemized deductions will be limited to gifts exceeding 0.5% of Adjusted Gross Income (AGI). Grouping gifts into a single tax year may still be beneficial for many people. Tax brackets, higher standard deductions, and high estate tax exemptions have been made “permanent”. Student loans from the federal government will be limited for new borrowers. Student loan payment plans will be limited to two options for new borrowers: a standard repayment plan and the income-driven RAP plan. The new RAP plan will be 10% of AGI (not discretionary income). Existing borrowers may need to switch payment plans if they are on SAVE or PAYE before July 2028, but still have more options than new borrowers. Most tax credits geared toward energy efficiency are being phased out. Introduction of “Trump” accounts with a $1,000 federal government deposit for kids born from 2025 to 2028. Increased requirements for Medicaid reimbursements may affect many providers.   This bill was huge!  You can listen to the full episode to hear more, but if there is a specific item you think may affect you, do some additional research.  Pay special attention to the energy tax credit phase out if you were planning to do some of this in your home/life, student loans for your kids and your loans if you still have them, and how Medicaid reimbursements may affect you as a provider.  Listen to the full episode to learn more!   For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

For those of you that are interested in giving, let's try to do so as tax efficiently as possible!  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff walk through a few ways you can give money to the causes that are near and dear to your heart and pay a little less in taxes at the same time.  Often, the larger the gift, the more tax benefits, but even small gifts can potentially have tax benefits. A few ways to get tax deductions for charitable contributions include: Smaller gifts to qualifying non-profits if you already itemize on your taxes. Gifting appreciated stock from non-qualified accounts. Gifting money to donor-advised funds. Setting up private foundations. Bequeathing money from a potentially taxable estate. Setting up a trust specifically for charitable giving. Some of your tax money may go to causes you support, but choosing your own causes can be much more rewarding and potentially lessen that tax burden.  Listen to the full episode to learn more! For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Finance professor Davidson Heath joins Michael Green and Harley Bassman to recant his stated beliefs on passive investing.For more information, visit https://www.simplify.us. Questions about the content discussed in this video? Please contact info@simplify.us.Simplify Asset Management Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Simplify Asset Management Inc. and its representatives are properly licensed or exempt from licensure. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This content is not intended to provide investment, tax, or legal advice. This content is solely for informational purposes and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. These materials are made available on an “as is” basis, without representation or warranty. The information contained in these materials has been obtained from sources that Simplify Asset Management Inc. believes to be reliable, but accuracy and completeness are not guaranteed. This information is only current as of the date indicated and may be superseded by subsequent market events or for other reasons. Neither the author nor Simplify Asset Management Inc. undertakes to advise you of any changes in the views expressed herein.

In this episode, host Rob Wermuth sits down with Zane Tarence, Managing Director at Founders Advisors, investment banker, and author of 17 Reasons Your Company's Not Investment Grade and What to Do About It.  With over 25 years of experience and more than 85 successful deals closed, Zane brings a candid perspective to today's business sales environment. He and Rob cover the shifting landscape as Baby Boomer owners prepare to exit, the growing role of private equity, and how AI is influencing the M&A process.  From identifying what makes a company truly “investment grade” to outlining key steps that help drive value, Zane offers practical insights for founders, advisors, and anyone thinking about succession. Tune in for a high-impact conversation that highlights what it really takes to build and sell a business the smart way. ​​ ______________​​______________​​  Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 and 228 W Gay Street West Chester, PA 19380 610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.

Freedom requires a plan, especially in retirement. The myth that retirees can abandon budgeting once they stop working creates unnecessary financial stress and can threaten long-term security. As a financial planner, I've seen how the right approach to retirement spending creates confidence, reduces anxiety, and actually encourages enjoyable spending.When your income no longer arrives automatically through a paycheck, understanding your cash flow becomes even more critical. Retirement brings changing expenses - from healthcare costs to dream vacations - while inflation and longevity risk add complexity to financial planning. The good news? Retirement budgeting doesn't mean restriction; it means clarity and purpose.The most effective retirement spending plans categorize expenses as fixed (housing, insurance, utilities) and variable (travel, hobbies, gifts). Match guaranteed income like Social Security to your essential expenses, while using investment growth for discretionary spending during favorable market conditions. Track your spending for a couple months, create a simple one-page budget, and review it quarterly. This approach provides the freedom to spend confidently on what matters most to you.My favorite moments as a financial advisor come when I can encourage well-prepared clients to spend more money in retirement. With a solid foundation and clear understanding of your financial boundaries, you can travel, pursue hobbies, support family, and live generously without constant worry. Ready to build a retirement budget that enhances rather than restricts your lifestyle? Let's talk about how a thoughtful financial plan can help you enjoy the retirement you've worked so hard to achieve. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Price Financial Group Financial Advisors Oregon and WashingtonNavigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary ConsultationPrice Financial Group Wealth Management, Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Price Financial Group Wealth Management, Inc. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Price Financial Group Wealth Management, Inc. unless a client service agreement is in place. Price Financial Group Wealth Management, Inc. provides strategies for estate and / or tax planning. These strategies do not constitute tax or legal advice. Consult legal or tax professionals for specific information regarding your individual situation.

Price Financial Group Financial Advisors Oregon and WashingtonNavigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary ConsultationPrice Financial Group Wealth Management, Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Price Financial Group Wealth Management, Inc. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Price Financial Group Wealth Management, Inc. unless a client service agreement is in place. Price Financial Group Wealth Management, Inc. provides strategies for estate and / or tax planning. These strategies do not constitute tax or legal advice. Consult legal or tax professionals for specific information regarding your individual situation.

There is a lot of “common knowledge” in life that may or may not be right for you.  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff debunk some financial planning myths that simply don't hold true for most people any longer.  As always, you should take the specifics of your situation into consideration when making any financial decisions. “Myths” discussed include: You can set up a financial plan once and then call it good! All debt is bad. Renting is a waste of money. Social security will go bankrupt (and there will be no remaining benefits) by the time you retire. The goal of investing is to get the best returns. And so many more! As we start feeling a little more comfortable talking about money, we can learn a lot from the people and resources around us!  But we can also gather information that is incorrect or just isn't appropriate for your own plan.  Take a little time to make decisions (especially big ones) with your personal goals and information in mind and don't rely on “common knowledge”.  Listen to the full episode to learn more! For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-planning-process

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-planning-process

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-challenges

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-lifestyle

Some investments are flashier or more exciting than others.  But do you really need flashy and exciting to meet your financial goals?  In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden and Corey Janoff talk about alternative investment strategies and whether you may need them as part of your investment strategy. This episode covers some basics of alternative investments including: Advantages and disadvantages of these kinds of tools. Advantages include diversification and potentially higher returns. Disadvantages include potential for greater losses, higher costs, lack of liquidity, and less regulation than more traditional investments. Different types of alternative investments (hedge funds, structured notes, private equity, etc.) How to evaluate whether these may be an appropriate addition to your plan. As always, whether a particular strategy makes sense for you depends on your financial status, goals, and even personality.  Most folks will not need complicated alternative investments to meet their goals, but it can be something to consider for folks who are willing to take on more risks and costs to explore something a little different (and potentially exciting if you are successful). For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-lifestyle

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-challenges

In this mailbag episode, Brad and Rachael dive deep into strategies for efficiently withdrawing money from taxable brokerage and retirement accounts. With a focus on understanding the different tax treatments associated with these accounts, listeners gain crucial insights into managing tax liabilities for retirement. Key Takeaways Different Types of Accounts: Taxable brokerage accounts versus traditional IRAs and 401ks have distinct tax consequences affecting retirees. Tax Treatment: Withdrawals from traditional retirement accounts are taxed as ordinary income, while long-term capital gains from taxable accounts are taxed at a lower rate. Strategic Tax Planning: Employing strategies such as Roth conversions and tax gain harvesting can significantly minimize tax impacts during retirement. Investment Placement: It's vital to manage tax-efficient placements for investments, especially during retirement. Timestamps 00:00:00 - Podcast Intro: Introduction to the episode topic. 00:04:36 - Taxable Brokerage Accounts vs Traditional Accounts: Discussion on the terminology and tax implications. 00:09:59 - Tax Strategies and Opportunities: How to minimize taxes in retirement using investments. 00:23:10 - Roth Conversions Explained: Understanding the benefits of converting retirement accounts. 00:48:13 - Conclusion and Future Topics: Wrap up and upcoming episode topics. Key Insights Tax Treatment of Withdrawals: Withdrawals from a traditional IRA are taxed as ordinary income. (00:04:36) Understanding Taxable Brokerage Accounts: "Taxable brokerage accounts" may be better understood as your basic savings or investment accounts. (00:05:07) Investment Strategies: Use tax-advantaged accounts to defer taxes on income. (00:09:59) Minimize taxes with proper investment placements and strategies like tax gain harvesting. (00:23:10) Roth Conversions: Roth conversions allow you to transfer pre-tax retirement accounts into a Roth IRA and pay taxes on the converted amount, providing tax benefits later. (00:26:56) Actionable Takeaways Understand Account Types: Familiarize yourself with the differences in tax treatment between taxable brokerage accounts and traditional retirement accounts. (00:04:36) Maximize Tax Efficiency: Consider implementing Roth conversions to streamline taxes during retirement. (00:26:56) Tax-Efficient Investments: Be strategic about investment placements—opt for tax-efficient funds to minimize taxable income. (00:23:10) Related Resources Kitcis Article on IRA Strategies: Read here (00:52:55)   Rachael Camp   Please note: Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies.