Podcasts about retirement plans

Not all retirement plans are created equal. When it comes to the 403bs many teachers and non-profit workers are offered - the math is wrong. And not all 401(k)s will serve you well. Knowing how to get the most from your investments can mean WAY more money in retirement.   Also - It's rare to find the opposite of shrinkflation, but some retailers and restaurants are filling the value gap - in buckets!  Retirement Plan Choice: Segment 1 Ask Clark: Segment 2 Bonus! Buckets Of Coffee: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Teachers Are Learning a Hard Lesson. Their Retirement Plans Cost a Fortune.⁠ ⁠What Is a 403(b) and How Does It Work?⁠  /   ⁠403bwise.org⁠ ⁠How To Open a Roth IRA⁠ ⁠401(k)s Weren't Built for the Gen Z Economy⁠ ⁠Why You Need To Know Your Company 401(k) Fees⁠ ⁠Investing & Retirement Archives - Clark Howard⁠ ⁠What Is a Fiduciary Financial Advisor and Do I Need One?⁠ ⁠Your Morning Coffee, in a Bucket⁠ Is Now a Good Time To Buy an Electric Vehicle? ⁠Report: 4 Used Electric Vehicles Under $25,000⁠  /  ⁠ABRP Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Connect with Onramp // Onramp Terminal // Onramp Bitcoin Dynasty Trust Services // Full deep dive report from OnrampThe Last Trade: a weekly, bitcoin-native podcast covering the intersection of bitcoin, tech, & finance on a macro scale. Hosted by Jackson Mikalic, Michael Tanguma, & Brian Cubellis. Join us as we dive into what bitcoin means for how individuals & institutions save, invest, & propagate their purchasing power through time. It's not just another asset...in the digital age, it's The Last Trade that investors will ever need to make.00:00 – Trump's Executive Order on 401Ks and Bitcoin Access03:30 – Private Equity, Retirement Plans, and Regulatory Implications06:45 – ETF Access Constraints Across Major Banks and Wirehouses09:20 – Impact of Passive Flows on Bitcoin Market Structure13:30 – Debating the Future of Bitcoin Cycles and Sovereign Adoption18:10 – Custodial Concentration and Systemic Risk Scenarios21:45 – Macro Deterioration: Housing, Wages, and Regulatory Burdens28:30 – Global Institutional Interest and Strategic Reserve Momentum35:25 – Digital Asset Treasury Companies vs. Bitcoin Fundamentals45:00 – Tether, Stablecoin Infrastructure, and Regulatory Trajectory52:00 – Gold Revaluation, Real Yields, and the Cost of Capital55:30 – Launching Onramp's Bitcoin Dynasty Trust Services01:05:45 – Closing Reflections, Outro, and DisclaimerPlease subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

In this episode, Tevo and Brian dive deep into the current state of the crypto market, focusing on meme coins, Bitcoin, and Ethereum. They discuss market sentiment, the implications of institutional adoption, and the significance of treasury strategies. The conversation also highlights the evolving landscape of meme coins and community engagement, alongside updates on various projects like PENGU, REKT, and the HOTTEST Meme Coin right now! Chapters00:00 Meme Coin Mania and Market Overview02:41 Market Sentiment and Price Action05:09 The Bull Market and Bitcoin's Future07:47 Institutional Adoption and Treasury Strategies10:55 Ethereum's Growth and Tom Lee's Predictions12:54 401k and Retirement Plans for Crypto21:18 Pudgy Penguins and Meme Coin Trends35:23 Rekt Token Update38:46 The Evolution of Meme Coins40:42 Ibiza Final Boss: A New Contender51:37 Hyperliquid and Market Trends54:15 Pump Fun Update and Market ReactionsEfani Sim Swap Protection: Get $99 Off: http://efani.com/crypto101Check out Gemini Exchange: https://gemini.com/cardCheck out Plus500: https://plus500.comGet immediate access to my entire crypto portfolio for just $1.00 today! https://www.crypto101insider.com/cryptnation-directm6pypcy1?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=DescriptionGet your FREE copy of "Crypto Revolution" and start making big profits from buying, selling, and trading cryptocurrency today: http://www.cryptorevolution.com/free?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=DescriptionMERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved  ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out Gemini Exchange: https://gemini.com/card* Check out Plus500: https://plus500.com* Check out Plus500: https://plus500.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

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Marty discusses the evolving landscape of retirement planning, emphasizing the need to rethink traditional strategies. He addresses common concerns such as mortgage management, determining retirement income needs, the implications of downsizing, and the impact of inflation on retirement savings. The conversation also covers healthcare costs, housing choices, and the balance between supporting grandchildren and ensuring personal financial security. Listener questions provide further insights into managing retirement funds and legacy planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Kelley covers strategies that can build an income component in your retirement that can mimic your paycheck. She talks about calculating your retirement expenses, assessing your savings, developing a withdrawal strategy, and exploring additional income sources. She also warns of retirement mistakes some boomers and older members of Generation X could be making. Kelley also covers real estate strategies in retirement. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

For decades, the financial media has pushed the idea that you need to hit a magic number; $1 million, $2 million, or more, to retire securely. But what if that number is arbitrary? What if chasing it is actually keeping you from retiring with confidence?In this episode, Adam Olson challenges the conventional wisdom around retirement planning and reveals why a one-size-fits-all savings target is not only outdated, it's potentially harmful.You'll discover:The three biggest myths keeping pre-retirees working longer than necessaryWhy retirement is not about how much you've saved, but how much income you can reliably generateHow to replace retirement number anxiety with lifestyle-first planningA practical, step-by-step strategy to align your income, investments, and lifestyle goals using our Red Zone Retirement Planning™ processWhether you're years away from retirement or fast approaching it, this episode will give you a clearer path forward; one rooted in your actual needs, not arbitrary benchmarks.“$1 million means nothing unless it's attached to a life you actually want to live.” - Adam OlsonLearn more about Adam Olson by visiting the following links:FacebookPersonal WebsiteBusiness WebsiteRetirement Quiz--Investing involves risk, including loss of principal.   Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

A new tax bill has officially passed (you've probably heard it mentioned as the “Big Beautiful Bill”). And while most headlines are focused on politics, we're focused on what it means for your retirement. The choices you make in the next year or two could have a significant impact on how much you keep and how much goes to Uncle Sam. In this episode, Trent and Brandon break down the most important aspects for retirees, pre-retirees, and everyday earners. They walk through key provisions of the bill- like extended lower tax brackets and a potentially game-changing deduction for seniors. You'll also hear about enhanced bonus depreciation for small business owners and landlords, charitable giving updates, and some unexpected perks, like tax relief on tips, overtime, and even auto loan interest. Tune in to hear how the new bill could impact your financial future and find out which opportunities could expire before you know it! Here's some of what we discuss in this episode:

AP correspondent Haya Panjwani reports on a new executive order to do with qualified assets for retirement plans

A new tax bill has officially passed (you've probably heard it mentioned as the “Big Beautiful Bill”). And while most headlines are focused on politics, we're focused on what it means for your retirement. The choices you make in the next year or two could have a significant impact on how much you keep and how much goes to Uncle Sam.   Important Links: Website: https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through CP Welde Group are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries.  For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.

61 with $375K Saved: When Can They Retire?**Schedule your free virtual consultation

Strategically investing in a dedicated portfolio “bucket” for self-funding of long-term care involves balancing tax considerations, asset allocation, and other considerations. Today's Stocks & Topics: FADMX - Fidelity Strategic Income Fund, Market Wrap, EMN - Eastman Chemical Co., Retirement Plans in Flux: Why More Americans Are Rethinking Their Exit Timeline, KLG - WK Kellogg Co., ADBE - Adobe Inc., A-I and Job Cuts, VICI - VICI Properties Inc., Bonds, Artificial Intelligence in Daily Life.Our Sponsors:* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Progressive: https://www.progressive.com* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

On this week's all-new episode of the Digging Deep ATVMX Podcast, we're bringing you another very special edition of the show.Longtime friend of the show — and of mine — Jeffrey Rastrelli joins us to share what just might be the most significant announcement of his incredible career. With 26 career podium finishes to his name, he's officially unlocked legend status in the sport, and it's an absolute honor to be the platform he chose for this moment.Then, we'll close things out with Briarcliff's own Jeremy Osborn, who joins us to preview what's shaping up to be a can't-miss season finale weekend at his track.Tune in now — and as always, thank you for DIGGING DEEP with us!Send us a textSupport the show

What do pennies and outdated portfolios have in common? They both might be costing you more than you think. In this episode, Frank and Frankie Guida dive into why traditional retirement strategies—like bonds and target date funds—may no longer serve today’s retirees. They break down real-life examples, explain the risks of sticking with old assumptions, and explore how fixed indexed annuities and risk-return analysis can help protect your future income. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

What do meme stocks, credit card traps, and Carrie Underwood’s budgeting habits have in common? In this episode, Art McPherson dives into the realities of financial risk, legacy planning, and long-term care—peppered with personal stories and real talk. From navigating high-interest loans to understanding the 4% retirement rule, Art offers practical insights for building a secure financial future. Plus, hear Carrie Underwood’s take on conservative spending and why planning ahead is key, no matter your net worth. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What happens to your retirement plan when life throws you curveballs? In this episode, Katherine Groce and Samantha Nash explore how life’s unexpected detours—like long-term care needs, helping adult children, or spontaneous relocations—can throw off even the best-laid retirement plans. Through real client stories and practical strategies, they show how to adapt your financial roadmap to stay on course to meet your retirement goals. Want to begin building your retirement and tax plan? Schedule a 15-minute call with us here:

What if your retirement plan is missing the one thing that could make or break your future? In this episode of The Retirement Playbook, Rick and Granger Hughes dive into the evolving world of retirement planning. They unpack the critical role of guaranteed income, demystify annuities, and explore smart alternatives. With inflation, taxes, and longevity looming large, they emphasize the mental and financial strategies needed to retire with confidence. Whether you're nearing retirement or just starting to plan, this episode offers a clear-eyed look at how personalized advice and proactive planning can help you stay ahead. Hit play to discover what your financial advisor should be telling you. For events and complimentary consultations, visit hughesretirementgroup.com.See omnystudio.com/listener for privacy information.

Rate & review the Simply Financial Podcast on ITunesSpecial Guest Host: Brett DiPasquale AIF® BFA®Advisor – Elliott Wealth Management Services

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical question of whether savings will last through retirement. They explore common mistakes made by pre-retirees and retirees, emphasizing the importance of strategic planning and understanding the risks associated with outliving savings. The hosts introduce the Monte Carlo simulation as a tool for assessing financial risks and analyze different investment strategies to enhance retirement income. They highlight the significance of diversification and the need for a balanced approach to retirement planning, ultimately encouraging listeners to consider their financial strategies carefully. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Many pre-retirees make mistakes by not paying attention to their savings. The question of whether savings will last is crucial for retirees. Understanding the risks of outliving savings is essential. The Monte Carlo simulation helps assess the likelihood of outliving money. Investment strategies should consider both market and non-market assets. Diversification is key to managing financial risks in retirement. A balanced approach to retirement income is necessary for financial security. Strategic planning can mitigate tax implications on retirement savings. Listeners should evaluate their financial strategies regularly. Engaging with financial advisors can provide personalized insights.  Chapters 00:00 Introduction to Retirement Planning Challenges 02:45 Understanding the Monte Carlo Simulation 05:57 Exploring Retirement Income Strategies 08:59 Comparing Investment Strategies for Retirement 12:01 The Importance of Diversification in Retirement 15:03 Strategic Planning for Financial Security 17:58 Conclusion and Next Steps    

In this episode of the Holistic Wealth Podcast, we explored why Holistic Wealth is the new Retirement Plan. More and more people are waking up to the fact that saving a portion of their income in a retirement fund for decades isn't enough to guarantee freedom, security or fulfillment later in life. The conventional retirement model was designed in an era of stable jobs, predictable pensions and low healthcare costs. That era is over. Why Traditional Pension Plans No Longer WorkRising living costsEconomic uncertaintyLonger lifespansJob instabilityThese factors have made the old-school retirement plan obsolete for many. What's needed is a new framework to address all the major facets of our lives and helps us build resilience (including financial resilience). Holistic Wealth as well as the Holistic Wealth mindset are powerful frameworks to help create a life of balance, financial security, and emotional resilience—factors that science proves can be beneficial to those in retirement planning. In this episode of the Holistic Wealth Podcast, we explore how Holistic Wealth is the new Retirement Plan. Why Holistic Wealth is the New Retirement PlanThe Old Retirement Plan Is Crumbling: Retirement Is Becoming Financially UnattainableAccording to the World Economic Forum, the global retirement savings gap is projected to reach $400 trillion by 2050.In Canada and the U.S., the average retirement savings for those approaching retirement (age 55-64) is less than $200,000, while they need at least $1 million to retire comfortably.1 in 4 Americans aged 50+ has no retirement savings at all (AARP). The Job Market No Longer Rewards Long-Term Loyalty Average job tenure has dropped to 4.1 years (U.S. Bureau of Labour Statistics).Traditional pensions are now rare. In 1980, 60% of private-sector workers had a defined benefit pension. Today? Just 4%.People Are Outliving Their Money Life expectancy is increasing. A person retiring at 65 today may need 30+ years of income — and most aren't prepared.The number of people aged 100+ has doubled in the last decade (UN data). Resources Used In This Episode:Holistic Wealth (Expanded and Updated): 36 Life Lessons To Help You Recover From Disruption, Find Your Life Purpose and Achieve Financial FreedomHolistic Wealth Personal Workbook by Keisha BlairThe Certified Holistic Wealth Consultant Program 

Welcome back to The Sentinel Show! We have a new name and the same great content! We hope y'all have had a great summer break! This week, Kasey and Melissa catch us up on what they've been up to, and they also go over what happens when one business buys or sells another and how that impacts the company's retirement plans. Can participants who have had their assets merged into another plan take a distribution or not? How does the type of business transaction impact your options and what part does the purchase agreement play in all this? Listen along to hear our answers to these questions and much more! Have any questions about this episode's topic? Let us know!Visit our website for more information: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sentinel Pension (sp-tpa.com)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Call us at 225-300-8478⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Facebook ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Note from the editor: We had a few technical difficulties this episode, so we apologize for the quality change, but we anticipate that this will be fixed for future episodes!Music by Adam Vitovsky

We're officially in the second half of the year — and just like in football, halftime is the perfect moment to reassess the game plan and take a strategic pause to evaluate your finances, goals, and risk exposure before the year slips away. Ask yourself: ✔️ What's gone well so far this year—and what hasn't? ✔️ Have your goals, income, or expenses changed since January? ✔️ Are you on track for retirement or just hoping for the best? ✔️ Are you exposed to more risk than you realize as the market shifts? Don't let the second half of the year catch you off guard. Listen in and get practical steps to realign your finances and finish the year strong. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Amid economic uncertainty, a growing number of Americans over 50 are reconsidering or delaying retirement. Today's Stocks & Topics: FICO - Fair Isaac Corp., Market Wrap, Retirement Plans in Flux: Why More Americans Are Rethinking Their Exit Timeline, CIVI - Civitas Resources Inc., Covered Calls, Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Housing Market, CAN - Accenture PLC Cl A, Is A-I Boom Bigger than the Dot Com Bubble?Our Sponsors:* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands

"I've been self-employed for years and never set up a formal retirement plan. At 55, is it too late to catch up — or should I just invest in a brokerage account?" We're answering YOUR questions on this week's Get Ready For The Future Show! ✅ We're 57 and have a paid-off house worth $500,000, but not much in retirement savings. Should we consider a reverse mortgage later on? ✅ We're 63 and thinking about converting part of our IRA to a Roth before RMDs hit. How do we know if it's the right time? ✅ I'm 48 and earn too much to contribute to a Roth. Should I look into backdoor Roth strategies, or just focus on my 401(k)? All this straight talk and more LIVE, Wednesday at 11:30!

On this episode: Only 25% of people use a financial advisor. What are their reasons for going it on their own? 72% of seniors wish they could go back in time and fix this tax problem. When people pick their financial advisor, what are the main things they are looking for? Like this episode? Hit that Follow button and never miss an episode!

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, we are talking about protecting your retirement portfolio against market crashes. It's all about dividend growth investing! Get the 20 income products guide for retirees: https://retirementloop.ca/retirement-income/ Get your Investment roadmap: https://dividendstocksrock.com/roadmap Download the Rockstar list here: https://moosemarkets.com/rockstars

Send us a textThe episode touches on the lack of personal finance education in schools, with Erik advocating for more practical courses to set young adults up for success. He also describes his approach to budgeting as a way to reduce mental stress and free up brain space for more important life decisions.Overall, this episode is packed with practical finance advice, life lessons from the military, and personal anecdotes on happiness, resilience, and purpose. It's a great listen for anyone looking to better align their finances with their values and build a foundation for long-term freedom.===Time Codes:00:00 Building a Guest Wish List04:31 Passion for Finance and Investing07:06 Enhancing Financial Resilience13:18 "Early Financial Literacy's Impact"15:00 Intentional Living: Values-Driven Decisions18:22 Pre-Kids Trip to Australia22:05 Family Time as Life's North Star25:17 Financial Stress and Life Impact27:28 Book Recommendations for Financial Resilience31:50 "Retirement Plans and Lost Time"36:13 Amazon Wish List Spending37:57 Managing Inbound Requests41:56 "Happier Future in Colorado"Connect with Passing The Torch: Facebook and IG: @torchmartin More Amazing Stories: Episode 41: Lee Ellis – Freeing You From Bond That Make You InsecureEpisode 49: Ryan Hawk – Crafting a Legacy of LeadershipEpisode 52: Riley Tejcek – Mission of Empowerment and Endurance

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Congress passed the One Big Beautiful Bill Act — the biggest tax overhaul since the 2017 Tax Cuts and Jobs Act — and it could change the way you plan for retirement. From a brand‑new $6,000 senior deduction to new rules for charitable giving and major shifts in healthcare subsidies before Medicare, the law creates both new opportunities and new pitfalls for retirees and pre‑retirees. In this episode, Tyler Emrick, CFA®, CFP®, unpacks what the changes really mean for you. We'll explore how to take advantage of the charitable giving rules before new floors kick in, how to manage Roth conversions to maximize the senior deduction, and what to watch for as ACA subsidies become less generous starting in 2026. Whether you're five years from retirement or already living it, this episode will help you understand the risks, the opportunities, and how to keep your plan on track under the new law. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth Here's some of what we discuss in this episode:

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featuredPending home sales slipped again in June—down 0.8% versus expectations of a 0.3% drop—while active listings surged by 29%. Trouble is brewing in the housing market, and the signs are hard to ignore. Despite being propped up by limited supply and financial engineering, the fundamentals are cracking. Chris sounds the alarm: housing should never be treated as a retirement plan or savings vehicle. It's a necessity, a bill—not an investment. From maintenance costs to taxes and insurance, the long-term returns of homeownership often pale in comparison to true wealth-building assets like equities. Corrections are healthy, he argues, and lower prices could actually strengthen communities and the broader economy.

You've probably heard about the “Big Beautiful Bill,” but what does it actually mean for your retirement plan? In this episode, Scott breaks down the real implications of the new legislation, beyond the headlines and political noise. He walks you through what changed, what didn't, and the planning opportunities that smart retirees should be acting on now, while the tax rules are favorable. Here's some of what we discuss in this episode:

A new tax bill has officially passed (you've probably heard it mentioned as the “Big Beautiful Bill”). And while most headlines are focused on politics, we're focused on what it means for your retirement. The choices you make in the next year or two could have a significant impact on how much you keep and how much goes to Uncle Sam.   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:    Marc: This week on Plan With the Tax Man, let's talk about the Big, Beautiful Bill and what it means for your retirement. We'll stay away from the politics as much as humanly possible and just focus on what it might mean in the choices that you may make in the next couple of years. Let's get into it.   Hey everybody, welcome into the podcast. This is Plan With the Tax Man with Tony Morrow and myself to talk investing, finance and a retirement with Tony, who is Des Moines Professional Alternative at Tax Doctor Inc. He's a CPA, CFP and an EA of 30 years plus in the industry, and a great resource for you to tap into.   And Tony, this week we're going to talk about... It's been a couple of weeks now and we're going to talk about the BBB or the OBBBB as the One Big Beautiful Bill. But you know, it's kind of funny. I think at first when we heard that, I think we thought that was just like the media name, but that's actually the bill's name. I was expecting it to be like OBB753624, some crazy number or whatever. But nope, it's One Big Beautiful Bill. So how you doing, buddy?   Tony: I've been good. Wrapping up the summer and hot here and here, we're getting ready for the state fair. So that's a big thing around here.   Marc: Yeah.   Tony: Yeah. Things are going good.   Marc: Well, good. Well, let's talk about this. Like I said, we'll try to stay off of the political stuff as much as we can. I mean, unfortunately, everything is trying to frame every piece of a conversation with some sort of a slant. And I will say, the only piece I'll say about this is that there's a lot of this helps billionaires and blah, blah, blah. And when you really look at some of the stuff we're going to cover today, it really doesn't. It's actually really kind of low and middle income families who actually get some of this extended stuff, at least a lot of the things that are going to affect most people. Right?   Tony: That's right. Yeah.   Marc: So we'll just dive into it. We'll kind of get started. So first of all, the tax brackets, which is the big piece, have been extended. You and I have been talking about that for a couple months now. When you're talking about planning and strategizing, we were waiting to see would the TCJA, the Tax Cuts and Jobs Act from 2017, expire or would they get extended? Well, they got extended.   Tony: They got extended and they are supposedly... And we have to address this because you're going to hear a lot of stuff in the news and whatnot about this and that tax cut or brackets being now permanent, and hopefully, everybody knows that permanent only means that they just won't expire. But-   Marc: Right. In Washington-   Tony: Congress can change them.   Marc: Yeah. In Washington, permanent is not an actual word I don't think. Yeah.   Tony: It isn't. So I wish they wouldn't throw that around. But from this standpoint right now, they're not going to expire until Congress changes them.   Marc: A future Congress would have to pass a bill, basically.   Tony: Yeah. So you have to do that. But it is good news because now people from all income aspects can kind of plan. Obviously, the higher income is probably more concerned because they can do maybe a little more, but this is going to benefit people because all across the board, we're not going to have to worry about tax rates going up for right now.   Marc: Yeah. The seven brackets, Tony, they're staying the same through at least probably 2028, right?   Tony: At least. Yeah. At least.   Marc: Right. So we got what? 10, 12, 22, 24, 32, 35, and 37. Those are the tax brackets.   Tony: That is correct. Yeah. I always have to look them up now. Because there's so many, and they're constantly adjusting them a little bit for inflation. But I think that as far as how you can take advantage of that any more than you already have is we always try to get our clients to use up the bracket that they're in. It's important that they know what bracket they're in, which is their marginal bracket, because that is the bracket that the last dollar of income that's going to be taxed on. So anything we can do to fill up that bracket-   Marc: Can you explain that a little bit? Because I think people get confused by that, right? So they think, okay, let's say I'm in the 22, and so I'm afraid I'm going to do this or this and I'm going to move to the 24. But when you get moved up a bracket, it doesn't mean every dollar that came in moves to the 24, correct?   Tony: That's correct. Yeah. And a lot of people tend to forget when we'll pull out the brackets and the ranges that this is a progressive tax system. Certain amounts of income are starting out taxed at 10 and then the next is 12 and on and on and on. We talk about marginal bracket because if you're in the... Let's say I spout out, you're in the 22% bracket, that means any more of your income that you bring in that year over a certain amount is going to be taxed at 22%, but the first parts weren't taxed at 22%.   Marc: Correct.   Tony: Just the latest. And so it's really a good tactic for using Roth IRAs or Roth conversions-   Marc: And we'll talk about that yeah, a little bit later too. Yeah. But that's a good piece of that. I mean, overall extending this, from a planner's standpoint, which obviously you're a planner, that's useful. Yeah?   Tony: I think it's useful because now we can go with people and we can, I think with more accuracy, determine what their future taxes are going to be on some of this stuff and how we want them to take advantage of that and invest for retirement. I mean-   Marc: Yeah, for sure.   Tony: On a nation standpoint, well, again, we don't want to get into politics and all that as far as spending and cutting and this and that. But all we can do is take advantage of what they give us regardless of who's in there.   Marc: Yeah, true. And so probably up until '28 we'll have this in place, and some of these pieces that they passed also do have time expirations on them as well, and we'll talk more about that here in just a second. But again, there seems to be a lot of confusion around it. So that's the first big takeaway is that, hey, we are at historically low tax rates. So that's a win for most people. We'll see how it plays out in the long run, but for right now, that's the advantage we can take from it.   The standard deduction was also "made permanent" right, Tony? And honestly, it's pretty hefty. Check this out. I was going to run this past you, see what you thought. If you kind of break this down a little bit, Tony, so it's what? The standard deduction is... Let just find my note here. Where'd it go? Okay, so the standard deduction for a married couple, it's 31,500 base for 2025. That's pretty hefty.   Tony: That's hefty. And a lot of clients, that at least we see, may not be able to have enough itemized deductions to get over that, but at least it is. It's hefty. So you're not being penalized what I would say so much, but it is making it a little bit simpler for some Americans to just take the standard deduction. However, I think what we're going to talk about next will come into play this year where it hasn't come into play and that's the SALT cap because some people might be able to itemize now. But again, it's important to make that distinction.   Marc: Yeah, for sure. Well, I'll tell you what. I'm going to move it around a little bit. Let's talk about the SALT cap after we talk about some of the other deductions that kind of go along with the standard. Okay? So we got the standard deduction. It's 15,750 for a single person, single filer. 31,500 for a married couple.   Now, what they did for a lot of our listening audiences is the whole conversation and the kerfluffle around no tax on Social Security. That didn't happen. They did their bartering and all that stuff and people wanted to get this, and some people wanted to get that. And what they settled on, Tony, was this additional $6,000 per person over the age of 65.   Now, here's where I think people get confused. So the existing law gives you that additional standard deduction of $2,000 per person if you're over 65. Then this new temporary, from 2025 to 2028, senior deduction they're calling it is another 6,000 for single filers or 12,000 for married couples. So if you add these together, the 31,500... Let's say you're a married couple. 31,500 base deduction, the 3,200 age-based existing law deduction for married couples, plus the $12,000 bonus that's temporary through 2028, that's $46,700 of deductions can be pretty hard to itemize.   Tony: It's going to be pretty hard to itemize for seniors. Yes.   Marc: That's pretty great.   Tony: For sure. I mean, that is good.   Marc: 65 and over again, right?   Tony: Yeah, 65 and over. Now, what you got to remember though is that it's not... And I've already started to hear it. They're not eliminating taxes on Social Security.   Marc: Correct.   Tony: You still are paying taxes on your Social Security. It's just that they're extending a deduction. So it's in the ballpark. I mean, your taxes will be cut by whatever tax rate you're in with this deduction. And so-   Marc: It's kind of like a semantic word. It's almost a semantic math problem. Now, there are income limitations on this, we should say. For some people, it is like you're not going to be paying the tax on your Social Security, but not for everybody.   Tony: Not for everybody, but yeah for a lot of people, especially the people that are more Social Security heavy as far as driven with their retirement income, you may not be paying taxes at all now or very little. They will go down.   Marc: Yeah. So I guess we should explain the phase out. So how it works is if your MAGI, your modified adjusted gross income, is 75,000 for singles and 150, that's when it starts to phase. Does it mean you're cut off? It's not like a cliff, right?   Tony: It's not like a cliff.   Marc: At 150 for couples, it's not cut off, but at $250,000 of income, that's when it does cut off. So 150 to 250, you're kind of like percentages are going down, correct?   Tony: That's correct.   Marc: Okay.   Tony: Yeah, that's correct. And then the people that are over 250, obviously I think probably the theory there is, well, they don't need this extra deduction. So you're not getting it basically.   Marc: Right. Right.   Tony: So you're not getting that tax cut.   Marc: And so that really does benefit lower and middle income families, retirees.   Tony: For a lot of them definitely. Definitely. I think we're going to see a lot of our senior tax clients and the financial planning clients, their tax bill is going to go down with that.   Marc: Yeah. Now, the goofy part unfortunately was what was the IRS or whoever sent that thing out at first saying that it was no tax? And then they was like, okay, got all kind of confused and people got a little misnomer there. So we wanted to make sure we kind of explained that. They're kind of calling it the senior citizen deduction. As I said, it's 6,000 per person. Of course, $12,000 if you're married, and it's only for folks over 65 and again, within those monetary thresholds.   Now, to your point, let's back up a little bit and go to the SALT cap again, the bargaining chip I think when all these congressmen and senators and women are all chatting. It's like, well, I want this and I want that. They get this plan together. This happens with every bill for everything. We all know that's what they do. And you know that the higher income states were like, hey, California and New York and New Jersey and some other states were like, we need to raise the SALT. So explain what the SALT tax is and all that stuff.   Tony: So the SALT tax is short for what they did with the state and local income taxes and your property taxes back with the Tax Act of 2017. They basically put a limit on that deduction that you can not deduct any more than $10,000 in that whole area of your Schedule A, which is really your state and local income tax, your property tax, your car license fees and sales tax.   And so for those high tax states and those big states like California and New York, you're talking property values... I mean, some of those people's property tax alone might've been 30 to 50,000.   Marc: Yeah. I think Jersey's even higher than California, if I'm not mistaken. But Jersey's pretty high too. Yeah.   Tony: So I mean, all the really high income earners have large, large homes and properties have been crying for several years because they always could itemize drastically and now that was cut way down for them. So they have expanded this to I believe it's 40,000.   Marc: It's 40. Yep. Mm-hmm.   Tony: And there are some limits I believe on that too, and I can't remember what they are. But that is going to be a help to people that might not have been able to itemize before that might be able to now. Again-   Marc: Yeah. I feel like that's going to be your higher income earners though, Tony,   Tony: It is.   Marc: And by the way, yes, you're correct on the limits on that. The SALT deduction cap phases out between a half million and 600,000.   Tony: Okay.   Marc: Yeah. So it's fairly up there. So if you're itemizing, you're probably fairly well off.   Tony: You're probably fairly well off. Yeah. It just gives a little bit to the higher income earner, especially in the higher property tax states and whatnot, and income tax states to be able to deduct all that where they were limited severely here in the past. And we have a couple of tax clients that live in these states. They're making a half million, million bucks a year as a W2'd employee. So they're phased out of everything. It's those people that were really getting hurt. So this will help some as well.   Marc: Yeah, for sure. And before we move on to just the strategy of things and stuff, I did want to point out that there's also that new charitable deduction for standard filers. So if you can't itemize, back to my point a minute ago, we're talking like 30 plus grand of standard deductions going on, so a lot of people will not hit the itemizing level. They added this new little in 2026, Tony, where you can, for singles, it's only $1000, but still it's $1,000. And for married couples, it's $2000, but you can still do charitable donations without the itemizing.   Tony: Without the itemizing.   Marc: So it's not a ton of money, but it still comes off of your top income line. And if you're charitable minded, that's a great thing.   Tony: That's a great thing. I mean, even at $2000, let's say you're in the 20% bracket, it's $400 of an actual tax reduction. And again, you want to take everything they're going to give you and you don't want to leave anything on the table. So that does help with the charitable giving as well.   And back to the point of the higher income people, the charitable giving, they're giving a lot more anyway, so they're already itemizing. So that doesn't really do anything for them, but it does give the average person, if they're doing it anyway, at least they get a little bit of deduction where before they didn't.   Marc: Yeah, true. True. And this is an above the line deduction, correct?   Tony: Above the line. So they don't have to itemize.   Marc: Yeah.   Tony: Yeah.   Marc: Okay. All right, so then let's talk about also charitable giving and the Roth opportunities. So we kind of started that little piece of that earlier. Coming back to that now. The fact that you now have more runway, Tony as a planner, if Rothing over time was something that was maybe on someone's radar to do and they were worried, well, are they going to extend the Tax Cuts and Jobs Act or not? Or were the tax rates going to go up? That kind of changed that scenario, but now that we know that it's going to be that way for maybe the next four years, then hey, Roth opportunities are still alive.   Tony: They're very much alive. Our clients especially using backdoor Roths for higher incomes, for us, we're basically telling clients, let's make sure we're filling up these brackets and getting everything into a Roth as we can before they change something on that loophole. But I think in this tax situation, especially in the planning area as far as evaluating what to do now versus later, I think that's where people like us come and play where we can provide a lot of value in that area. It's not talking all about just choosing investments, is how can we cut your tax bill and continue to save for retirement tax efficiently.   Marc: Yeah. I mean, I think that's going to be the name of the game for most people is how do we maximize... Especially for four years, right?   Tony: Four years.   Marc: We know that politically it is what it is and in four years, depending on what happens with elections, another administration could come in and try to wipe out everything that this administration did. Who knows. So be efficient and take advantage of things right now while you can. And we'll wrap it up with any other things in there that caught your eye that you thought were interesting that you might want to share with the listeners?   Tony: I think one was, and nobody really is talking about it yet and it doesn't help a whole lot of people, and I don't know if I really agree with it, but I think it's important to get it out there. And that is they're allowing auto loan interest to be deducted again above the line. So you do not have to itemize to get this deduction. However, there's a lot of limits in it. It's got to be purchased this year, it's got to be new. There's phase outs for the deduction on income, but everybody's buying a car [inaudible 00:17:06]-   Marc: Yeah, it's like 10 grand too, isn't it? It's pretty-   Tony: Yeah, it's up there.   Marc: Yeah.   Tony: And so if you're out buying that, you're going to have an incentive to...   Marc: Well, that was the point. Yeah. that was the point, right? Because what is it, final assembly in the US? Which I'm curious as to what the breakdown on that is. Is it like 40% of the car has to be assembled here or what?   Tony: Exactly. I think that's interesting.   Marc: Yeah, for sure.   Tony: And it'll be interesting to see how they try to police that for people that might press that a little bit.   Marc: Great point. Yeah. Well, in that same car vein, Tony, I think it is again, part of that initiative to promote American business and growth and help our economy. Because on the same side, the EV credit is going away. So if on your radar for your retirement strategy, if you're getting close to retirement this year was to get a new car like many retirees do when they first get to retirement, keep in mind that the EV credit goes away in September. So just a little over a month or so from now.   Tony: Yeah. I think one last one though is the no tax on tips up to $25,000.   Marc: Might not help a lot of our listeners or your clients, but maybe their kids or grandkids.   Tony: Yeah. I mean, it's going to help a certain segment to a point. I actually had, believe it or not, somebody already called me up, and this was a business client, they're already thinking, and hopefully they don't do this. But they were asking about, well, why don't I just convert all my employees to 1099s and they can basically claim tip income?   So the IRS has got rules on that. It's got to be W2. They got to be reported tips. So if you're a tipped employee and it's got to be in the service industry that normally receives tips, can't be somebody out on the road truck driver or something like that. Don't get too cute with some of this stuff and trying to push the limits and trying to outthink things, because you're going to get yourself in trouble. I know the IRS is having some issues now with staffing and whatnot, but I would recommend highly do not try to do any of that. And there's already stuff out on the internet talking about ways, which I think are already, they strike me as illegal. So don't fall for that. Make sure you ask your advisor.   Marc: Yeah, yeah. Yeah. We want to still stay above board with this stuff.   Tony: Got to stay above the board.   Marc: Yeah. Especially with some of that stuff. But yeah, I mean, it could be beneficial for folks in those industries doing things the right way. So good stuff. I mean, look, Tony, at the end of the day, the tax bill didn't shake the system to its core, but it did provide a decent amount of change to help in a lot of areas, especially for retirees and pre-retirees to take advantage of. So again, the window's kind of short to act. A lot of this stuff kicks in either this year or the first of next year, and it expires at the end of '28, going probably into '29. Unless of course Congress does something different. But more than likely, this all stands until there's a new administration and then they rule some kind of changes or whatever. So the takeaway, be proactive, right?   Tony: Right. Be proactive, talk with your advisor, see which deductions might apply to your situation both for taxes and retirement planning. And then just modify the plan as you go and try to take advantage of anything you can.   Marc: Absolutely. Yeah, and that's a great point. And when working with someone like yourself, Tony, who's doing both sides of that, both sides of the aisle if you will, if you'll pardon the pun, you've got the planning side as well as the tax side. So it's really helpful to have both of those things under one roof. So reach out to Tony if you've got some questions, need some help. Get yourself onto the calendar so that you can Plan With the Tax Man at 844-707-7381. 844-707-7381. Or of course, visit him online@ at Yourplanningpros.com. That is Yourplanningpros.com. And don't forget to subscribe to us on Apple or Spotify or whatever podcasting app you enjoy using. We'll see you next time here on Plan With the Tax Man with Tony Morrow. Thanks, Tony.   Tony: All right, take care.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

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This week we look at: Conservation Easement Deductions: A Critical Review of Rock Cliff Reserve, LLC Portability Election Pitfalls: A Deep Dive into Estate of Rowland and DSUE Requirements Understanding Equitable Tolling in Tax Court: Insights from Boechler, P.C. v. Commissioner A Critical Review of Veribest Vesta, LLC v. Commissioner of Internal Revenue: Implications for Conservation Easement Valuations Understanding Withholding and Reporting for Uncashed Retirement Plan Distribution Checks: A Review of Rev. Rul. 2025-15 Fifth Circuit Affirms Tax Court's Disallowance of Micro-Captive Insurance Deductions: An Analysis of Swift v. Commissioner

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereShould you pull your corporate cash into your RRSP—or let it grow inside your company?If you've sold your business or have a chunk of money trapped in a corporation, you're probably wondering: what's the smartest way to grow and eventually access that wealth? Should you protect it from taxes now, or maximize flexibility for future business moves and personal spending? This episode unpacks the tough choices entrepreneurs face when shifting from business owner to solopreneur.Understand when investing inside your corporation beats funneling funds into an RRSP—and when it doesn't.Learn how to avoid locking up your wealth in ways that limit your future plans, whether it's buying real estate, funding retirement, or starting a new venture.Get a clear, practical framework for deciding how to split your money between corporate investments and personal retirement savings.Press play now to stop guessing and start building a tax-smart wealth plan that fits your next chapter.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building long-term wealth in Canada requires more than just saving—it demands a clear financial vision and smart strategies across your financial buckets. Whether you're a Canadian entrepreneur navigating salary vs. dividends decisions, or a business owner seeking corporate wealth planning insights, balancing personal vs. corporate tax planning is key. With a focus on RRSP optimization, tax-efficient investing, and capital gains strategies, your financial plan should align with your goals for financial freedom in Canada and early retirement. From managing corporate wealth and optimizing RRSP room to creating diversification through real estate investing Canada and passive income Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Most retirees prepare financially, but still feel lost when they step away from work. Why? Because emotional readiness is just as critical as a fully funded retirement account. Tony Hixon, CIMA®, RFC® knows this firsthand. After a personal tragedy reshaped his view of retirement, he realized that wealth without purpose leaves a void. Fortunately, Tony created an innovative solution.  In this episode, he shares how his Refocus Coaching Academy helps retirees find meaning, fulfillment, and purpose in life after work.  He also reveals the four emotional pillars that guide his process—and how adding a life coach to the financial planning team has transformed client outcomes. You'll Learn:  How a life coach fits into financial planning  The four pillars of emotional retirement preparation A step-by-step process to create a purpose-driven retirement How his mom's retirement changed his outlook on retirement Why 89% of clients are emotionally unprepared for retirement  *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: Retirement Stepping Stone: Find Meaning, Live With Purpose, and Live a Legacy by Tony Hixon Refocus Coaching Academy Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Tony Hixon:  Hixon Zuercher LinkedIn: Tony Hixon TonyHixon.com About Our Guest:  Mr. Hixon is Co-Founder and Chief Executive Officer of Hixon Zuercher Capital Management. In addition to leading the firm, Tony also serves on the firm's Wealth Management Team and is a Co-Portfolio Manager on the Asset Management Team. Tony has had experience providing investment services since 2003 and providing financial advisory services since 1999. Prior to co-founding Hixon Zuercher Capital Management, Tony worked at a CPA firm for nearly four years specializing in accounting, tax planning, and tax preparation for high-net-worth individuals. In 2021, Tony released his book: Retirement Stepping Stones: Find Meaning, Live with Purpose and Leave a Legacy.  In it, he shares the heartbreaking story of his mom, Pam Hixon, who tragically took her own life after struggling to find purpose in retirement. Tony instructs his readers on how they can prepare for a meaningful retirement beyond the numbers.  He continues to write weekly articles on topics like family, finances, faith, and retirement at TonyHixon.com. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of R...