Podcasts about state taxes

In today's episode, financial advisors and retirement planners Jim Martin & Casey Bibb discuss the key steps to preparing for a move to another state in retirement. They cover financial assessments, including understanding state taxes and real estate costs, healthcare and insurance considerations, legal and estate planning needs, and the importance of social networks and community integration. The hosts share practical tips and personal anecdotes to help retirees make informed decisions about relocating, ensuring a smooth transition to their new homes. http://retirewithmartin.com/

President Trump has been talking about the unfairness of tariffs since at least the 1980s. The world is mad at Trump over new tariffs. Trump declares April 2 “Liberation Day" as tariffs begin to take effect. House Minority Leader Hakeem Jeffries (D-N.Y.) is upset about voter ID as Wisconsin voters add it to their state constitution. New books show the chaos behind the scenes for Democrats during the 2024 campaign, and Joe Biden's former chief of staff comes clean on how bad it was. Investigative journalist Mike Benz uncovers yet another Biden family scandal. Student visa revoked for Cornell student, who self-deports. MS-13. Charlie Kirk drops some serious truth about the founding fathers. Senator John Kennedy (R-La.) shoots down the practice of "national injunctions" among judges. Steve Harvey explains why America is better than Sweden. Where are the Epstein files? Elon Musk leaving the White House early? San Francisco has lost its mind … yet again. 00:00 Pat Gray UNLEASHED 00:17 Tariffs Go into Effect 01:07 Flashback to Trump Talking Tariffs 08:16 Trump Talks about Tariffs Going into Effect 09:27 Former Democrat on Trump Tariffs 12:20 Mike Johnson on Trump's Tariff Policy 17:45 Increase in State Taxes in Blue States? 24:32 Hakeem Jeffries on GOP Voting Suppression 25:51 Biden's Blunders Coming Out 28:29 Kyrsten Cinema Slams Cory Booker 32:48 Fight: Inside the Wildest Battle for the White House 50:59 Another MS-13 Arrested 53:00 Charlie Kirk on the Foundation of America 1:03:06 Universal Injunctions Against Trump & his Administration 1:14:49 Steve Harvey Supports Make America Great Again! 1:28:35 More Information on Val Kilmer 1:30:31 Elon Musk Leaving DOGE? 1:33:13 New Drug Policy in California? Learn more about your ad choices. Visit megaphone.fm/adchoices

Church pension plans may be at risk I hate to say this because we all want to believe that one of the safest places to go is church. Unfortunately, there are church pension plans like Saint Claire's Hospital in Schenectady, New York and Saint Joseph Hospital in Rhode Island that had no or very little money left for retirees when it was time for their retirement. You may be wondering how can that be? Pension plans should be safe especially under federal law where there are protections from the Employee Retirement Income Security Act of 1974, which is commonly known as ERISA. You may also think if you know something about pension plans that employers must pay into the pension benefit guarantee corporation or what is also known as the PBGC. Unfortunately, when the government came up with the federal law on pension plans to protect retirees, there was concern about the constitutional separation of church and state and they did not want to cross that line. So they exempted churches and employers related to the church, which would include schools, hospitals and publishers. Church pension plans are allowed to contribute to the pension benefit guarantee corporation, but they're not required to and unfortunately most do not. It is sad that we cannot trust some of our religious leaders to protect our financial future. If you or someone you know works for a type of association related to a church and they have a pension plan they may want to dig deep into it to make sure it's really there. Unfortunately, there have been church pension plans that have exaggerated the returns on their investments in their pension plan and ultimately collapsed when people began retiring. It may be unfortunate but it could be wise to have a secondary retirement plan if you work for a church just to be on the safe side so you have something there in your golden years!    Structured products are back from 2008 Structured products that destroyed the economy in 2008 are back once again. In 2008 there was nearly $1.8 trillion of structured products issued. For 2025, the experts are forecasting structured product issuance of $2 trillion. If you don't understand what a structure product is, it is nothing fancy other than Wall Street creating loans that hide their true value. In 2008 these were mainly mortgage-backed loans that Wall Street sold and told people there's no way that these borrowers would default on their real estate loans. Today, they are even riskier with the loans backed by weak assets such as credit card debt, lease payments on cars, airplanes, golf carts and even plastic surgery loans. Recently in Las Vegas there was a convention for four days that was packed with bankers from Wall Street and around the country that were all in the buzz about the hype of the profits they can make off of these structured products. So far investors have been safe and have not had any losses, but that will change in the years to come especially if the economy weakens. With higher demand, prices for these products are now higher and I believe overpriced. The higher demand also creates riskier investments that look similar to products with less risk but make no mistake, they have far greater risk. It appears to me that the greed on Wall Street is back and the bankers are trying to tell you that stock investing is out. They tell you that you should be putting your money into these structured products for diversification to avoid market fluctuations, but the real reason for this is the fees they make are so much higher than if you just invested in good quality equities that pay dividends and grow over the long-term. Wall Street makes nothing off of that!   Jobs report seems uneventful, which is a good thing February nonfarm payrolls increased by 151k in the month, which was less than the estimate of 170k. While I wouldn't say that's a positive, it was better than last month's reading of 125k and it still shows the labor market remained healthy. Revisions to th

What do scammers, fancy doors, and Twinkies have in common? Turns out, more than you think! Today, Joe, OG, and Doug take you on a wild ride through financial scams, fraud prevention, tax implications of dual residency, and... the surprising link between door quality and financial stability. (Yeah, we didn't see that one coming either.) What's Inside This Episode?

How do you file your State taxes? Today I am going to go over how! Do you have unfiled tax returns that need filing? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/Mentioned Video Link:-How to File BACK TAXES, Avoid PENALTIES, and Get Your Life Back!:    • How to File BACK TAXES, Avoid PENALTI... 

What is the risk with BDCs, or business development company funds? Edward in Illinois wants to know. Do Pebbles and Bam Bam in Kentuckystone have too much invested in T-bills? Are mutual funds or ETFs a better place for them to invest qualified money in the decumulation phase? Is there a difference between a traditional IRA and a rollover IRA? And Keith in Connecticut is 34 and wants a spitball on whether his investments are appropriate for his time horizon, today on Your Money, Your Wealth® podcast number 512 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Gus in Philly needs a withdrawal strategy for his dad's multi-year guaranteed annuities (MYGAs). Speaking of MYGAs, YouTube viewer Ken thinks everyone should invest in MYGAs and bonds, and nobody should ever pay a financial advisor. What do Joe and Big Al think? And finally, comments on your state of residence for tax purposes from Greg, the prorated sale of a primary residence, and bonds vs. pension from Keith, and 7SideWays tells the fellas to focus on PERMA already - but what is it? Access free financial resources and the episode transcript: https://bit.ly/ymyw-512 LIMITED TIME OFFER: DOWNLOAD The DIY Retirement Guide before the Special Offer changes on Friday January 17, 2025! SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:09 - What's the Risk with Business Company Development (BDC) Funds? (Edward, IL) 04:04 - T-Bills, Decumulation, IRAs, and Investing Strategies (Pebbles & Bam Bam, Kentuckystone) 11:21 - LIMITED TIME OFFER: Download the DIY Retirement Guide by Friday, Jan 17, 2025! 12:24 - I'm 34. Are My Investments Appropriate for My Time Horizon? (Keith, CT) 18:22 - Multi-Year Guaranteed Annuity (MYGA) Retirement Withdrawal Strategy for Dad (Gus in Philly) 22:34 - Just Buy MYGAs and Bonds and Don't Pay an Advisor (comment from Ken, YouTube) 27:36 - Schedule a Free Financial Assessment with Pure Financial Advisors, Learn More about Pure's Fees and Services 28:47 - State Taxes vs. State of Residency (comment from Greg, Temecula) 30:17 - Favor Questions from People with Less than $6M Please (comment from Ed, YouTube) 31:08 - Prorated Sale of Primary Residence (comment from Keith, YouTube) 33:01 - $1M Bonds vs. $40K/yr Pension (comment from Keith, YouTube) 34:54 - Focus on PERMA Already (comment from 7SideWays, YouTube) 36:11 - YMYW Podcast Outro

As Trudeau resigns, Trump doubles down on Canada becoming 51st state In the wake of Justin Trudeau's announcement Monday that he will step down as Canada's prime minister and leader of the Liberal party, incoming U.S. president Donald Trump is, once again, claiming that many Canadians want to see our country become a U.S. state. In a post to his social media platform Truth Social Monday, Trump wrote “many people in Canada LOVE being the 51st State. https://globalnews.ca/news/10944865/justin-trudeau-resigns-donald-trump-reaction/ What's really behind Donald Trump's tariff threats and '51st state' posts about Canada Gaining leverage seen as key to Trump's trademark negotiating... View Article

In this episode of the Consultants and Money podcast, host Erica Goode CPA is joined by Nicole McClintock, founder and CEO of Taximize. They discuss the complexities of state and local taxes (SALT), especially for consultants operating across multiple states. Nicole emphasizes the importance of understanding where your business has employees and clients, how state-specific rules can impact your tax obligations, and why it's crucial to have thorough conversations with your CPA. They also highlight the risks associated with not addressing multi-state tax issues upfront and provide practical advice on when and why to seek professional guidance.   (00:49) Meet Nicole McClintock: Founder and CEO of Taximize (03:13) Nicole's Journey from Public Accounting to Taximize (07:02) Understanding State and Local Taxes (SALT) (07:57) Key Considerations for Solo Consultants on State Taxes (11:04) Navigating Multi-State Tax Complexities (20:24) The Importance of Asking Your CPA Questions (33:23) Final Thoughts and How to Reach Nicole ____________________ Connect with Nicole | LinkedIn (Nicole) | LinkedIn (Taximize) | Website Connect with Erica | LinkedIn | Website | Newsletter

Some are thankful for what could be an interesting fight over reducing state taxes, and upcoming competitive elections in Wisconsin.

You don't need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Turn unused income into a legacy – investing your extra pension for tomorrow."Chapters:0:00 - Intro0:18 - Who Can Benefit from Additional Income Planning? 1:00 - Evaluating Your Debt: Is There Anything to Pay Off? 1:30 - Maximizing Your Contributions to TSP and Roth 2:09 - Tax Brackets: Impact on Your Extra Income 3:02 - Taxable vs. Tax-Free Growth Explained 4:05 - Building a Roth TSP: What It Means for You 4:44 - Starting Your Roth Clock: The 5-Year Rule - Avoiding the IRS and State Taxes on GrowthConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call#RetirementPlanning #FederalEmployees #PensionPlanning #TaxFreeIncome #InvestmentAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

As we head into the November election, tax policy is undoubtedly a top issue for many voters. K-12 schools, higher education, local governments, libraries, and more all rely on taxation to raise adequate revenue to provide public services. Tax policy has also been used as a tool to attract jobs, spur economic growth, and promote entrepreneurship. But what are we actually seeing in Ohio and across the nation?rnrnIn 2017, the Trump Administration signed into law what many cite as the biggest tax overhaul since the Tax Reform Act of 1986. And just this year, Republican lawmakers introduced legislation in Ohio that would eliminate Ohio's income tax and repeal the Commercial Activities Tax by 2030. While such legislation is unlikely to pass in Ohio, it opens up the debate for what constitutes effective and equitable taxation.

6:30am Hour 1 - The guys talk about how free agency gets affected by state taxes and also talk about the New York Giants making a big number change.

Pat Mayo and Geoff Zochodne discuss the latest news at the state and provincial level for sports betting legalization along with new Taxes in Illinois and how that may impact different states. Plus, a look at legislation on DFS in Ontario. Use code “MAYO” at underdog for a deposit bonus up to $250: https://play.underdogfantasy.com/p-pat-mayo Subscribe, Rate and Review Apple: http://bit.ly/PMEiTunes Spotify: https://goo.gl/VboemH FOLLOW MAYO MEDIA NETWORK Newsletter: https://mayomedia.substack.com/ Instagram: https://www.instagram.com/mayomedianetwork/ TIK TOK: https://www.tiktok.com/discover/mayo-media-network YOUTUBE: https://bit.ly/YTMMN __________________________ Get 20% off https://www.fantasynational.com/mayo with code “MAYO” RUN THE SIMS F1 & Spring Football PACKAGE (Code “MAYO” for 10% OFF): https://www.runthesims.com/mayo Code “MAYO” 10% OFF at Ship It Nation: https://shipitnation.com/?aff=Thepme #FantasyGolf #DFS #GolfPicks #Memorialtournament #Underdog #DraftKings  SHOW INDEX 00:00 Intro 1:24 New Taxes in States 3:22 DFS in Ontario/Poker 7:37 California 15:02 Texas 18:27 New States to Legalize 20:32 Canada — Alberta/Quebec 29:46 iGaming 32:03 Limiting Bettors 39:37 Prop Market 42:58 League's influence over sports betting PME Audio Podcast Apple: http://bit.ly/PMEiTunes Spotify: https://goo.gl/VboemH Google: http://bit.ly/GooglePodPME OMAHA STEAKS — Go to OmahaSteaks.com, promo code “MAYO” at checkout to save on exclusive packages starting at just $89. Message and data rates apply. Must be 18+ (21+MA & AZ, 19+ AL, NE) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369) Pat Mayo Twitter: https://twitter.com/ThePME Pat Mayo Facebook: https://www.facebook.com/ThePME Learn more about your ad choices. Visit podcastchoices.com/adchoices

The majority of legal battles Native people have with the state and federal governments is over taxation!

Welcome back to Passive Income Pilots! In this episode we delve into essential tax strategies tailored specifically for pilots. With the expertise of Toby Mathis from Anderson Advisors, we explore five key ways you can reduce your tax liability effectively. Toby brings his depth of tax knowledge directly to our pilot audience, discussing everything from maximizing deductions to strategic asset management. Additionally, we'll cover an intriguing opportunity for pilots interested in aircraft ownership—how purchasing an airplane can not only serve personal and professional needs but also offer significant tax advantages. If you're looking to navigate the complexities of taxes with ease and make informed decisions that could save you thousands, this episode is your must-listen guide.Timestamped Show Notes:(00:00) - Introduction to the episode with hosts Tait and Ryan.(01:29) - Introduction of the guest, Toby Mathis, and discussion on tax and legal workshops.(04:02) - Explanation of tax brackets and progressive tax systems.(05:13) - Discussion on aircraft ownership, benefits, and deductions related to taxes.(10:24) - Detailed analysis of leasing aircraft and tax implications.(17:15) - Strategies for pilots to utilize aircraft ownership for tax advantages.(23:46) - Overview of various tax reduction strategies and charitable giving.(28:36) - Introduction to tax and legal workshops offered by Toby's firm.(32:02) - Five top tax tips for pilots including HSA benefits.(44:58) - Discussion on solo 401k benefits and other tax-deferred accounts.(53:15) - Conclusion and thanks to guest Toby Mathis.Resources Mentioned:Tax & Asset Protection WorkshopDallas Conference June 27-29Remember to subscribe for more insights at PassiveIncomePilots.com!Join our growing community on FacebookCheck us out on Instagram @PassiveIncomePilotsFollow us on X @IncomePilotsGet our updates on LinkedInHave questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!Legal DisclaimerThe content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions. The hosts, Tait Duryea and Ryan Gibson, do not necessarily endorse the views of the guests featured on the podcast, nor have the guests been comprehensively vetted by the hosts. Under no circumstances should any material presented in this podcast be used or considered as an offer to sell, or a solicitation of any offer to buy, an interest in any investment. Any potential offer or solicitation will be made exclusively through a Confidential Private Offering Memorandum related to the specific investment. Access to detailed information about the investments discussed is restricted to individuals who qualify as accredited investors under the Securities Act of 1933, as amended. Listeners are responsible for their own investment decisions and are encouraged to seek professional advice before investing.

In this episode, Patrick delves into the complexities of state taxes, focusing on unexpected state tax liabilities and the concept of nexus. He covers who owes state taxes and under what conditions, including economic activity in a state without physical presence, dubbed as 'nexus'. Key nexus triggers are explored, such as W-2s from another state, owning rental property, business operations in other states, and sales without a physical presence. The episode also touches on gray areas in nexus laws and offers insights into how business owners can manage liabilities and avoid unexpected taxation. This episode aims to equip listeners with the knowledge to navigate state taxes more effectively and make informed decisions about their businesses and personal finances. Episode Highlights: How to avoid state tax! What is Nexus & why that is very important? How to properly move to a No Tax State! LINKS: Profit & Loss Template Save Taxes: Free Discovery Call  Follow me: https://www.instagram.com/thepatdarby #StateTax #TaxLiabilities #Nexus #StateTaxes #BusinessOwners #Taxation #NoTaxState #TaxPlanning #TaxationLaws #FinancialEducation #SmallBusiness #TaxSeason #EconomicActivity #GrayAreas #TaxStrategies #BusinessInsights #TaxManagement #PersonalFinance #W2 #RentalProperty #BusinessOperations #SalesTax #AvoidTaxation #FinancialDecisions

The Bureau of Labor Statistics reports that the U.S. economy added 303,000 jobs in March, the largest gain in more than a year. Today's Stocks & Topics: LEU - Centrus Energy Corp., IGR - CBRE Global Real Estate Income Fund, Market Wrap, KBWB - Invesco KBW Bank ETF, Is the Labor Market Healthy and Sustainable, CRWD - Crowdstrike Holdings Inc., Options & Capital Gains, 401k, What's Wrong with the Economy, SBUX - Starbucks Corp., Retirement and State Taxes, Annuities, MYE - Myers Industries, Inc., CLAR - Clarus Corp., Oil Prices Rally.Our Sponsors:* Check out Rosetta Stone and use my code TODAY for a great deal: https://www.rosettastone.com/* Learn more at hackerone.com* Visit eBaymotors.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Matthew Sercely is an attorney and tax advisor who has dedicated his business to making sure that people aren't overpaying their taxes. He has been very into cryptocurrency, primarily bitcoin, since 2020. ================ All Episodes can be found at www.thecryptopodcast.org   Podcast Coaching + All Social Media + Donations link https://bio.link/podcaster   Our Facebook Group can be found at https://www.facebook.com/thecryptopodcast   =======   Thanks to my Sponsors : If you or know some body you know is struggling with anxiety and want to know how to be 100% anxiety free, in 6 weeks, without therapy or drugs, fully guaranteed - then let me tell you about our sponsor Daniel Packard.   Watch this Free 45 min. Training    to learn an innovative technique that:   a) Quickly lowers your anxiety by up to 85%   b) Proves solving your anxiety can be simple.    https://www.danielpackard.com/ -------------------------- Do you have High Blood Pressure and/ or want to get off the Meds Doctors are amazed at what the Zona Plus can do $50 Discount with my Code ROY https://www.zona.com/discount/ROY  ------ Speaking Podcast Social Media / Coaching My Other Podcasts ⁠https://bio.link/podcaster⁠   ======================== Bio of Matthew Serely: I've been an attorney for over 15 years, but I've always been a serial entrepreneur. Depending on how you count it, I've had 14 businesses in the past 25 years. As part of running my various businesses, I had to learn more about taxes so I could save every penny possible. Eventually, I found 2 businesses that have been successful- real estate investing and helping people avoid taxation once I realized how much of a help I could be to other entrepreneurs. I'm also an ardent libertarian and freedom lover. While I work with many clients who are not, I find that many freedom-focused people make especially good clients of mine since we tend to be on the same wavelenghth. What we Discussed:   - Matthews Crypto Journey ( 2 mins)   - Who he thinks created Bitcoin ( 4 mins)   - Wallet & Exchange he recommends ( 5:30 mins)   - Capital Gains Taxes for Crypto ( 7 mins)   - Mining is Considered a Job (8 mins)   - If you move to a Zero Tax Country ( 12 mins)   - Ways to Reduce your tax bill ( 16 mins)   - Hiring Your Kids to Reduce your Taxes (19:45 mins)   - Should you hire your spouse (23 mins)   - Retirement Accounts and returns (25:45 mins)   - Business Expense deductions (28:30 mins)   - Pros & Cons of Trusts (30:30 mins)   - Book recommendation of saving Taxes ( 35 mins)   - State Taxes ( 38 mins)   - Common Mistakes made ( 41 mins)   - Thoughts on Crypto Regulation (46 mins)   - Do not think that Blockchain is Anonymous (49 mins) - IRS Investigation ( 53 mins)   and more     How to Contact Matthew Serely :    https://www.agoristtaxadvice.com/   Free Report https://www.agoristtaxadvice.com/cryptopodcast https://www.facebook.com/AgoristTaxAdvisor   https://twitter.com/AgoristTax

Matthew Sercely is an attorney and tax advisor who has dedicated his business to making sure that people aren't overpaying their taxes. He has been very into cryptocurrency, primarily bitcoin, since 2020. ================ All Episodes can be found at www.thecryptopodcast.org   Podcast Coaching + All Social Media + Donations link https://bio.link/podcaster   Our Facebook Group can be found at https://www.facebook.com/thecryptopodcast   =======   Thanks to my Sponsors : If you or know some body you know is struggling with anxiety and want to know how to be 100% anxiety free, in 6 weeks, without therapy or drugs, fully guaranteed - then let me tell you about our sponsor Daniel Packard.   Watch this Free 45 min. Training    to learn an innovative technique that:   a) Quickly lowers your anxiety by up to 85%   b) Proves solving your anxiety can be simple.    https://www.danielpackard.com/ -------------------------- Do you have High Blood Pressure and/ or want to get off the Meds Doctors are amazed at what the Zona Plus can do $50 Discount with my Code ROY https://www.zona.com/discount/ROY  ------ Speaking Podcast Social Media / Coaching My Other Podcasts ⁠⁠https://bio.link/podcaster⁠⁠   ======================== Bio of Matthew Serely: I've been an attorney for over 15 years, but I've always been a serial entrepreneur. Depending on how you count it, I've had 14 businesses in the past 25 years. As part of running my various businesses, I had to learn more about taxes so I could save every penny possible. Eventually, I found 2 businesses that have been successful- real estate investing and helping people avoid taxation once I realized how much of a help I could be to other entrepreneurs. I'm also an ardent libertarian and freedom lover. While I work with many clients who are not, I find that many freedom-focused people make especially good clients of mine since we tend to be on the same wavelenghth. What we Discussed:   - Matthews Crypto Journey ( 2 mins)   - Who he thinks created Bitcoin ( 4 mins)   - Wallet & Exchange he recommends ( 5:30 mins)   - Capital Gains Taxes for Crypto ( 7 mins)   - Mining is Considered a Job (8 mins)   - If you move to a Zero Tax Country ( 12 mins)   - Ways to Reduce your tax bill ( 16 mins)   - Hiring Your Kids to Reduce your Taxes (19:45 mins)   - Should you hire your spouse (23 mins)   - Retirement Accounts and returns (25:45 mins)   - Business Expense deductions (28:30 mins)   - Pros & Cons of Trusts (30:30 mins)   - Book recommendation of saving Taxes ( 35 mins)   - State Taxes ( 38 mins)   - Common Mistakes made ( 41 mins)   - Thoughts on Crypto Regulation (46 mins)   - Do not think that Blockchain is Anonymous (49 mins) - IRS Investigation ( 53 mins)   and more     How to Contact Matthew Serely :    https://www.agoristtaxadvice.com/   Free Report https://www.agoristtaxadvice.com/cryptopodcast https://www.facebook.com/AgoristTaxAdvisor   https://twitter.com/AgoristTax --- Send in a voice message: https://podcasters.spotify.com/pod/show/roy-coughlan/message

Matthew Sercely is an attorney and tax advisor who has dedicated his business to making sure that people aren't overpaying their taxes. He has been very into cryptocurrency, primarily bitcoin, since 2020. ================ All Episodes can be found at www.thecryptopodcast.org   Podcast Coaching + All Social Media + Donations link https://bio.link/podcaster   Our Facebook Group can be found at https://www.facebook.com/thecryptopodcast   =======   Thanks to my Sponsors : If you or know some body you know is struggling with anxiety and want to know how to be 100% anxiety free, in 6 weeks, without therapy or drugs, fully guaranteed - then let me tell you about our sponsor Daniel Packard.   Watch this Free 45 min. Training    to learn an innovative technique that:   a) Quickly lowers your anxiety by up to 85%   b) Proves solving your anxiety can be simple.    https://www.danielpackard.com/ -------------------------- Do you have High Blood Pressure and/ or want to get off the Meds Doctors are amazed at what the Zona Plus can do $50 Discount with my Code ROY https://www.zona.com/discount/ROY  ------ Speaking Podcast Social Media / Coaching My Other Podcasts ⁠https://bio.link/podcaster⁠   ======================== Bio of Matthew Serely: I've been an attorney for over 15 years, but I've always been a serial entrepreneur. Depending on how you count it, I've had 14 businesses in the past 25 years. As part of running my various businesses, I had to learn more about taxes so I could save every penny possible. Eventually, I found 2 businesses that have been successful- real estate investing and helping people avoid taxation once I realized how much of a help I could be to other entrepreneurs. I'm also an ardent libertarian and freedom lover. While I work with many clients who are not, I find that many freedom-focused people make especially good clients of mine since we tend to be on the same wavelenghth. What we Discussed:   - Matthews Crypto Journey ( 2 mins) - Who he thinks created Bitcoin ( 4 mins) - Wallet & Exchange he recommends ( 5:30 mins) - Capital Gains Taxes for Crypto ( 7 mins) - Mining is Considered a Job (8 mins) - If you move to a Zero Tax Country ( 12 mins) - Ways to Reduce your tax bill ( 16 mins) - Hiring Your Kids to Reduce your Taxes (19:45 mins) - Should you hire your spouse (23 mins) - Retirement Accounts and returns (25:45 mins) - Business Expense deductions (28:30 mins) - Pros & Cons of Trusts (30:30 mins) - Book recommendation of saving Taxes ( 35 mins) - State Taxes ( 38 mins) - Common Mistakes made ( 41 mins) - Thoughts on Crypto Regulation (46 mins) - Do not think that Blockchain is Anonymous (49 mins) - IRS Investigation ( 53 mins)   and more     How to Contact Matthew Serely :  https://www.agoristtaxadvice.com/ Free Report https://www.agoristtaxadvice.com/cryptopodcast https://www.facebook.com/AgoristTaxAdvisor https://twitter.com/AgoristTax --- Send in a voice message: https://podcasters.spotify.com/pod/show/roy-coughlan8/message

Members Only Preview Episode: Grab your favorite beverage and tune into this episode about the boring (but necessary) quarterly taxes! I'm breaking down how I organize and automate taxes in my business, from saving my tax money to paying the IRS. Set it and forget it! I also detail the quarterly payment schedule and my personal method using Wave Accounting and automatic transfers to manage tax payments efficiently.Discussed In This Episode:Self-Employment Quarterly Taxes Overview (00:00:00) Explanation of self-employment quarterly taxes and the importance of setting aside money for tax payments.Paying Taxes and Avoiding Penalties (00:01:14) The consequences of late or missed tax payments and the impact on annual tax filings.Paying Federal and State Taxes (00:02:19) Guidance on where to find forms and links for paying federal and state taxes.Due Dates and Tax Periods (00:03:38) Explanation of quarterly tax due dates and the periods they cover, including exceptions for annual tax filers.Estimating and Setting Aside Tax Payments (00:05:43) Calculating and setting aside tax payments based on income, tax brackets, and avoiding large refunds.Automating Tax Payments (00:06:42) The speaker's process for automating tax payments using Wave Accounting, Stripe, and Sofi's vaults.Government Withdrawals and Record-Keeping (00:10:15) Delegating tax payments to the government, record-keeping, and accessing payment history on government websites.Planning for Future Tax Payments (00:13:40) Preparation for upcoming tax payments in 2024 and the importance of seeking professional advice for individual tax situations.Links Mentioned:https://www.eftps.gov/eftps/ (federal payments)Form 1040-ES, Estimated Tax for Individuals (PDF)Wave AccountingSoFi CheckingOther Helpful Links:Upgrade to Coffee PerksFree Procrastination Styles AssessmentWebsiteInstagram (@mirandamerten)Do You Need More Structured Help In Your Business?Subscribe to Coffee Perks where you'll get Weekly tips, hot finds, and actionable articles and podcast episodes to help you automate your business and reduce tech overwhelm with purposeful productivity. I see the same thing from entrepreneurs like you every day- progress stalls because they get stuck on the tech. Don't let tech keep you stuck!If you're ready to get a little extra help in your business, visit mirandamerten.com/coffeeperks to sign up for free.

In this video, I explain how you can get a tax deduction for state taxes that you're already paying. I discuss the problem of the cap on state and local tax deductions, and then present a solution called the pass-through entity tax payment. I provide an example and explain how prepaying state taxes through your business can lower your taxable income and save you money on taxes. I also offer important considerations and resources for implementing this strategy. Watch the video to learn how you can take advantage of this tax deduction opportunity. Thank you for listening to another episode of the Wealth Game Podcast. The goal is to get informal yet actionable advice directly to business owners and investors. The episodes are intended to be short and simple to allow busy professionals to get right to the point of growing their wealth and reducing their taxes. For topic suggestions, questions to cover, or collaboration requests please email admin@wealthgame.io. For additional information and links to all available platforms please visit our website at www.wealthgame.io Contact Us: Website: https://links.wealthgame.io Connect with Brent Bement: LinkedIn: www.linkedin.com/in/brentbement TikTok: www.tiktok.com/@brent_bement Twitter: www.twitter.com/WealthGamePod Threads: www.threads.net/@brentbement Instagram: www.instagram.com/wealthgame.io Facebook: www.facebook.com/wealthgamepodcast YouTube: www.youtube.com/channel/UCigDe1NmrAVG0jeG-6q1Rig

Congress may have skipped tax policy this year, but the states have been busy. To get an idea of where things stand both good and bad, we talked to Jared Walczak, Vice President of State Projects at the Tax Foundation and one of the more active players in this space. Our conversation starts with the wealth taxes several states have proposed in recent months, the important but ignored Antio case moving through the Washington State courts (look out investors!), and a quick review of the record number of states implementing rate cuts reforms this year (go states!). We close by discussing some of the more bizarre state-level taxes that are still on the books.

The popularity of remote work soared during the pandemic, but only for those is some jobs, particularly tech focused or computer-based jobs. While exact figures are not available, some estimates are that more than 25% of the workforce still is working remotely or in a hybrid arrangement, where employees spend some time in the office and some working remotely. That's a decline from the pandemic but still a significant portion of the workforce. On this episode, we explore the tax ramifications for states of remote work. We're joined by Charlie Kearns, a tax attorney, and James Privette, until recently a legislative specialist in NCSL's Washington, D.C., office.They discussed how remote work affects personal income taxes and business taxes, and how states are responding to the changing landscape. They also had suggestions for learning more about the issue. ResourcesRemote Work Revolution: How Can Remote Work Taxation Affect State Budgets, NCSL WebinarState And Local Tax Considerations of Remote Work Arrangements, NCSL 

On the Money Café this week, Alan Kohler and Stephen Mayne discuss Rupert Murdoch's departure from News Corp, wages, state taxes, and answer a number of listener questions on AGMs, quantitative tightening, super savings, and much more.See omnystudio.com/listener for privacy information.

OPM's Services Online https://www.servicesonline.opm.gov/ Facebook/Instagram: Haws Federal Advisors Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Have you ever heard these tax planning myths? Myth #1: Tax planning is only for big corporations, not small businesses. Myth #2: I can handle my own tax planning; I don't need professional help. Myth #3: Tax planning is only necessary during tax season. In this episode, my guest Sally Gimon will debunk these myths and shed light on the importance of personalized tax planning sessions for business owners and individuals with 1099 income. Stay tuned to learn the truth and discover valuable strategies to optimize your tax situation.  Keynotes 1. Discover how utilizing trusts can offer considerable tax savings on federal levels.   2. Understand the unique advantages of a spendthrift trust for those earning 1099 income or running a business.   3. Learn the process of opening a new bank account and directing income through it for effective tax management.   4. Gain insight into the value of tailor-made tax planning sessions and the intricacies involved.   5. Hear real success stories of individuals profoundly benefiting from the proper implementation of tax planning strategies.   The key moments in this episode are:  00:00:00 - Introduction,   00:01:20 - Discovering the Spendthrift Trust,   00:03:47 - Importance of Tax Savings,   00:08:36 - Qualifying Income for the Trust,   00:11:15 - Transitioning to the Trust,   00:14:13 - Building Business Credit with Trusts,   00:15:38 - Trusts for Real Estate Investors,   00:17:12 - Capital Gains Tax Savings,   00:19:01 - State Taxes and Trusts,   00:21:00 - Trusts for Medical Expenses,   00:22:11 - Cost and Benefits of Trusts,   00:27:43 - Introduction to Tax Breakthrough Sessions,   00:28:12 - Providing Educational Resources,   00:29:07 - Potential Tax Savings,   00:29:31 - Trusts and Life Changes,   00:29:57 - Spreading Awareness and Helping Others Links www.TheTrustIsYou.com  https://www.facebook.com/SallyGimon  https://www.linkedin.com/in/sallygimon/  https://www.instagram.com/sallygimon/  https://twitter.com/GimonSally  https://www.tiktok.com/@spendthrifttrust  https://www.youtube.com/channel/UCmvBniNpH2kQI3vMGcpVjAg  Offer https://thetrustisyou.com/?rf=CRmlVx1h679wSMmAPtvU Bio: Sally was motivated to become a real estate investor when her mom became sick in October 2018.  Sally was 53 and needed to make a change in her life quickly.  She has been an insurance agent for 20 years and has used her experience to make positive changes.  Now she shares her information weekly in her real estate group and Win, Win Women TV.  In July 2020 she bought a Bank Owned Property for $20,000 that would go to auction for $50,000 when Covid restrictions lifted.  She knew her Capital Gains would be $7,140 and researched how the rich paid so little in taxes.  This led her to find the Business and Beneficial Spendthrift Trusts. BHB2024Support the show

State taxpayers have been sitting on a mountain of cryptocurrency assets for nearly a decade. According to one estimate, by the tax software and compliance firm Revenue Solutions Inc., 4.7 million California residents have stockpiled crypto assets valued at $56.2 billion, while 2.3 million New Yorkers are hoarding $27.7 billion in crypto. Are any of them paying capital gains taxes on the accumulated wealth tied up in Bitcoin, Ethereum, Tether and other digital tokens? And what about those investments in digital art, like Bored Ape Yacht Club non-fungible tokens? Tax compliance analysts believe barely a trickle of tax revenue linked to digital assets is flowing in the direction of state revenue departments. The reasons are varied. Revenue agencies and auditors just don't understand the crypto landscape. States and taxpayers alike lack full guidance from the federal government. Tracking digital asset transactions is difficult, and connecting them to specific taxpayers is even harder. Fran D'Antonio, solutions sales director at Revenue Solutions, and Miles Fuller, a 15-year veteran of the IRS Office of Chief Counsel who's now director of government solutions at digital tax compliance firm TaxBit, spoke with Bloomberg Tax senior reporter Michael J. Bologna about what they've seen in watching the crypto market closely for several years. Do you have feedback on this episode of Talking Tax? Give us a call and leave a voicemail at 703-341-3690.

On this week's Money Matters, Scott and Pat start the show by explaining why the key to financial independence is less about your money and more about you. A Las Vegas man in his 40's wants to know whether he is on the right track toward retirement. You'll hear why Scott and Pat want a California caller to invest her money in a traditional retirement account instead of a Roth. Finally, why moving for tax reasons isn't as simple as it looks.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

This week, we look at the story of Zechariah. Zechariah's story is about hope and how to hold onto hope when all you see in front of you threatens to steal the hope within your soul.

State Taxes and more Taxes

It took the ever-changing tech world just a few years to realize that an entire remote work force tamps down what makes tech work best. Now, they want changes, and according to Gene Marks, more creativity is the reason. Gene also is a proponent of states such as North Carolina considering legislation that incentivizes work by waiving state taxes on overtime, and why the Small Business Reorganization Act can be a lifeline for qualified businesses in debt. Listen to this week's episode. DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

Every one knows there are two things you can't escape in life, death and taxes. While I'd add a few more items to that list, it seems that with Washington State having such an, ahem, unique tax system, the time had come for us to tackle the topic of taxes on The Urbanist podcast.So in this episode, Ray and I talk about Washington State's tax system -- the agrarian origins of how we became one of a select few U.S. states without an income tax, what it means to be one of these states, and what efforts have been under way to make Washington's tax system fairer. We also share our "dream" taxes and cover the wealth tax that was proposed in the state legislature this year. Also, if it sounds like I was abducted and had to call into the podcast from a 1950's AM radio frequency, don't worry, I'm fine and 100% in 2023. And by next week I'll have the right adapter on hand for my microphone. Ham radios are really cool, but sounding like you're on a ham radio on a podcast is not. Apologies. As always, we love to hear from you. Tell us anything you've heard from the podcast that you'd like an update about, questions, or ideas for future episodes. Reach out to us at podcast [at] theurbanist.org. You can find The Urbanist podcast on iTunes, Spotify, and other major platforms. And if you are enjoying the podcast, be sure to offer a “like” or “thumbs up” on your favorite platform. It's a great way to spread the word to new listeners.

In our last episode, we discussed the importance of a portfolio's asset allocation, and, how that relates to “Reducing Your Tax Bill”. In part two of this episode, we are joined once again by Symmetry's Managing Director of Research and Investments, Philip McDonald, CFA, CAAIA & Glenn Shirley, CAIA, Head of Investor Relations for Quantinno Capital Management, to discuss the methods by which you can “re-charge that tax benefit”. If you have any questions or would like more information, reach out to us at https://symmetrypartners.com/contact-us/ You can also find us on Facebook, YouTube, Twitter, and LinkedIn. As always, we remain invested in your goals. Symmetry Partners, LLC, is an investment advisory firm registered with the Securities and Exchange Commission. The firm only transacts business in states where it is properly registered, excluded or exempted from registration requirements. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. No one should assume that future performance of any specific investment, investment strategy, product or non-investment related content made reference to directly or indirectly in this material will be profitable. As with any investment strategy, there is the possibility of profitability as well as loss. Due to various factors, including changing market conditions and/or applicable laws, the content may not be reflective of current opinions or positions.   Please note the material is provided for educational and background use only. Moreover, you should not assume that any discussion or information contained in this material serves as the receipt of, or as a substitute for, personalized investment advice.   00:00:01.800 --> 00:00:07.600 Hello listeners, 1 00:00:07.600 --> 00:00:10.900  welcome back to part two of our conversation on 2 00:00:10.900 --> 00:00:13.500  investing in taxes. Once again, I'm joined by Glenn 3 00:00:13.500 --> 00:00:16.500  Shirley from quantino and Phil McDonald from symmetry. 4 00:00:16.500 --> 00:00:19.100  Thanks gentlemen for joining us again, whether or not the market goes up 5 00:00:19.100 --> 00:00:22.800  or down when you have the long short overlay you have 6 00:00:22.800 --> 00:00:26.700  opportunities to to find losers losses. 7 00:00:26.700 --> 00:00:29.700  If you will to reach hard that tax benefit, 8 00:00:29.700 --> 00:00:32.400  it's some what counterintuitive right we're looking 9 00:00:32.400 --> 00:00:35.300  for Securities that have gone down in 10 00:00:35.300 --> 00:00:38.100  value, but I think the truth of the matter is is that when you 11 00:00:38.100 --> 00:00:41.600  own an ETF that's tracking an index or mutual 12 00:00:41.600 --> 00:00:44.300  fund that's tracking index. The reality is Phil 13 00:00:44.300 --> 00:00:47.600  you do own those losers. You just might not see them right? They're always 14 00:00:47.600 --> 00:00:50.200  that's right. Yeah looking at and that's 15 00:00:50.200 --> 00:00:53.300  a great Point looking at say in S&P 500 or 16 00:00:53.300 --> 00:00:57.300  Russell 1000 ETF. You you see one number, 17 00:00:56.300 --> 00:00:59.300  you know one one price 18 00:00:59.300 --> 00:01:01.500  one return but behind 19 00:01:02.300 --> 00:01:06.100 You're likely going to have dozens and dozens of positions 20 00:01:05.100 --> 00:01:08.200  that throughout the year and at year end 21 00:01:08.200 --> 00:01:11.900  are in or in a lost position. So in 22 00:01:11.900 --> 00:01:14.400  direct indexing, it just kind of breaks down that wrapper and 23 00:01:14.400 --> 00:01:17.700  you hold, you know hundreds of Securities directly. So 24 00:01:17.700 --> 00:01:20.800  you kind of see those a little bit more clearly sure and 25 00:01:20.800 --> 00:01:24.400  we've seen that in recent years right with some of these tech stocks 26 00:01:24.400 --> 00:01:27.400  the Fang stocks if you will Facebook Apple Amazon Netflix Google 27 00:01:27.700 --> 00:01:30.200  Etc. They were driving the returns of the S&P and there 28 00:01:30.200 --> 00:01:33.400  was a vast majority of those securities within the S&P that 29 00:01:33.400 --> 00:01:36.300  were in the red and by unwrapping it you can 30 00:01:36.300 --> 00:01:39.600  take advantage of those you still run into the issue of 31 00:01:39.600 --> 00:01:42.700  the portfolio seizing and what 32 00:01:42.700 --> 00:01:45.400  I mean by that is what we've been talking about having that portfolio 33 00:01:45.400 --> 00:01:48.000  get to a point where you don't have any room to make 34 00:01:48.300 --> 00:01:51.600  any trades without incurring some sort of tax consequence, but I 35 00:01:51.600 --> 00:01:54.900  think that's where the 1330 comes in right Glenn you're 36 00:01:54.900 --> 00:01:57.300  able to apply that strategy on 37 00:01:57.300 --> 00:02:00.700  top of an existing portfolio generate losses in 38 00:02:00.700 --> 00:02:02.200  any Market environment. And so 39 00:02:02.200 --> 00:02:05.100 So I think that that's a really interesting thing Glenn. Can you talk a little bit? 40 00:02:05.100 --> 00:02:08.200  I didn't mean to interrupt you, but could you talk a little bit about what is 41 00:02:08.200 --> 00:02:11.400  what happens with the risk exposure by putting that overlay on 42 00:02:11.400 --> 00:02:14.500  right investor with that 100 dollars 30 long 43 00:02:14.500 --> 00:02:17.100  30 short what what happens to the 44 00:02:17.100 --> 00:02:20.600  risk characters of that particular account? Sure. Yeah great 45 00:02:20.600 --> 00:02:23.300  question Tom. So if you look at if you just 46 00:02:23.300 --> 00:02:26.900  put on a 30% long 30% short 47 00:02:26.900 --> 00:02:29.300  portfolio. And you said what is the risk of 48 00:02:29.300 --> 00:02:32.500  that portfolio in isolation by itself? The answer 49 00:02:32.500 --> 00:02:36.000  to that is about one percent and that 50 00:02:35.100 --> 00:02:38.300  could be there be you know, standard deviation how much it's 51 00:02:38.300 --> 00:02:42.100  going to move around or it could be if you're if you're looking at that benchmarked 52 00:02:41.100 --> 00:02:44.200  to a you know, an index like 53 00:02:44.200 --> 00:02:47.400  the S&P 500 that would be one percent tracking here. So pretty 54 00:02:47.400 --> 00:02:50.500  modest, you know, a lot of active Equity strategies have tracking 55 00:02:50.500 --> 00:02:53.300  air easily of two percent or more. So we're 56 00:02:53.300 --> 00:02:56.300  not adding a lot of of risk just via that long 57 00:02:56.300 --> 00:02:59.500  short extension, but in reality as I mentioned you have 58 00:02:59.500 --> 00:03:01.600  these kind of Legacy accounts that 59 00:03:02.200 --> 00:03:05.700 Some elevated levels of risk that long short extension is 60 00:03:05.700 --> 00:03:08.200  a tool to reduce that risk. So even though 61 00:03:08.200 --> 00:03:11.400  you have a 1% risk in 62 00:03:11.400 --> 00:03:14.300  that long short extension in isolation. If you use that 63 00:03:14.300 --> 00:03:17.400  long short extension efficiently to reduce 64 00:03:17.400 --> 00:03:20.600  the total risk of the portfolio, then oftentimes we 65 00:03:20.600 --> 00:03:23.900  can also we can actually reduce kind of the total tracking 66 00:03:23.900 --> 00:03:26.400  error or risk versus The Benchmark of a 67 00:03:26.400 --> 00:03:29.200  tax less harvesting strategy often we can at least 68 00:03:29.200 --> 00:03:32.400  keep it the same. So when you look at a quantino kind 69 00:03:32.400 --> 00:03:35.900  of 130 30 tax loss harvesting account tracking errors 70 00:03:35.900 --> 00:03:38.400  typically one and a half percent on average 71 00:03:38.400 --> 00:03:41.400  and that's very very similar to what of 72 00:03:41.400 --> 00:03:44.300  what a clients are probably experiencing in their long only text less 73 00:03:44.300 --> 00:03:47.100  harvesting accounts as well. So just to reiterate what you're 74 00:03:47.100 --> 00:03:50.400  saying by applying the the 1330 extension to 75 00:03:50.400 --> 00:03:53.700  a portfolio the clients risk exposures still that 76 00:03:53.700 --> 00:03:56.300  principle investment is what I'm hearing you say, 77 00:03:56.300 --> 00:03:59.400  however, I think what I think a really really strong 78 00:03:59.400 --> 00:04:01.700  point is that it's not necessarily 79 00:04:02.200 --> 00:04:05.900 the risk by putting the overlay but it actually can be a risk mitigator Phil 80 00:04:05.900 --> 00:04:09.200  you and I have run across these many many times where investors 81 00:04:08.200 --> 00:04:11.600  come to us and we look at their existing Holdings 82 00:04:11.600 --> 00:04:14.200  and we're working on a Case right now 83 00:04:14.200 --> 00:04:17.600  where the investor who probably should 84 00:04:17.600 --> 00:04:20.500  have a balanced portfolio between Brawley Diversified 85 00:04:20.500 --> 00:04:21.600  stocks and bonds. 86 00:04:22.200 --> 00:04:25.900 Is stuck in a single stock position that they 87 00:04:25.900 --> 00:04:28.200  can't do anything with because of the 88 00:04:28.200 --> 00:04:31.200  fact that it's it's got such a low cost basis if 89 00:04:31.200 --> 00:04:34.600  they were to sell that security. They would be looking at some significant. 90 00:04:35.400 --> 00:04:38.400 Tax consequences, but only a single 91 00:04:38.400 --> 00:04:41.300  stock is a real risky Endeavor. Oh, no question, 92 00:04:41.300 --> 00:04:41.800  and I think 93 00:04:43.300 --> 00:04:46.400 This is such an incredibly powerful benefit of this 94 00:04:46.400 --> 00:04:49.600  strategy. And I think it it sometimes is you know 95 00:04:49.600 --> 00:04:52.600  mentioned second after the the tax Alpha 96 00:04:52.600 --> 00:04:55.300  and hey, you can keep more of what you earn but this is so 97 00:04:55.300 --> 00:04:57.100  incredibly powerful, you know, thinking of 98 00:04:58.200 --> 00:05:01.300 Really sad examples through time like Enron, you know things went 99 00:05:01.300 --> 00:05:04.400  very bad for people who held most of their company 100 00:05:04.400 --> 00:05:07.200  stock a lot of incentive plans. These 101 00:05:07.200 --> 00:05:10.400  days will give employees options and shares and 102 00:05:10.400 --> 00:05:13.000  all that. So this is an issue or a lot 103 00:05:13.500 --> 00:05:16.700  of investors and I think this solution really is, you know virtuous and 104 00:05:16.700 --> 00:05:19.400  really helping them in their Financial Health and just to 105 00:05:19.400 --> 00:05:22.600  maybe put a finer point on it and at the 106 00:05:22.600 --> 00:05:25.900  risk of being a little repetitive, you know, if you own a 107 00:05:25.900 --> 00:05:29.200  large amount of your, you know, large amount of your financial wealth 108 00:05:28.200 --> 00:05:31.600  is in an oil stock or a 109 00:05:31.600 --> 00:05:32.100  tech stock. 110 00:05:32.700 --> 00:05:35.800 Immediately in putting on the 13030 strategy 111 00:05:35.800 --> 00:05:38.400  the the 30 extension the 112 00:05:38.400 --> 00:05:40.000  30 more long can hold. 113 00:05:40.700 --> 00:05:42.900 Every other industry except that one you hold. 114 00:05:43.500 --> 00:05:46.900 Imagine that diversification and then the short can reduce 115 00:05:46.900 --> 00:05:50.000  that exposure to that one industry. So overnight in 116 00:05:49.500 --> 00:05:52.400  what in in the first, you know 117 00:05:52.400 --> 00:05:55.700  day of transactions you go from hey, I 118 00:05:55.700 --> 00:05:58.800  might end up like Enron or wow. My my 119 00:05:58.800 --> 00:06:01.400  financial wealth is gonna ride up and down with 120 00:06:01.400 --> 00:06:04.900  the price of crude oil or how Google does and 121 00:06:04.900 --> 00:06:07.400  immediately you're getting more 122 00:06:07.400 --> 00:06:10.000  of a diversified Market portfolio. Even if 123 00:06:10.200 --> 00:06:13.900  you're just shooting toward maybe an S&P 500 Index. It's immediately 124 00:06:13.900 --> 00:06:16.100  beneficial Glen. I don't know if you'd add 125 00:06:16.100 --> 00:06:20.400  anything to that but I really find that as you know, powerful benefit 126 00:06:19.400 --> 00:06:22.400  to the end investor. Yeah, the 127 00:06:22.400 --> 00:06:25.900  your correct fell the deals exchange solution that 128 00:06:25.900 --> 00:06:28.300  quantino offers is really a use case 129 00:06:28.300 --> 00:06:31.400  that came about from client feedback. We're fortunate to 130 00:06:31.400 --> 00:06:34.400  work with a lot of family offices. These are very wealthy families that 131 00:06:34.400 --> 00:06:37.500  have concentration in their portfolio. 132 00:06:37.500 --> 00:06:40.300  They built wealth via service to a public company or 133 00:06:40.300 --> 00:06:43.400  investing in a company that went public and eventually 134 00:06:43.400 --> 00:06:46.000 They want to turn the corner from you know, 135 00:06:46.300 --> 00:06:50.600  this this wealth that has been built by that concentration turning 136 00:06:49.600 --> 00:06:52.400  the corner toward wealth preservation and that 137 00:06:52.400 --> 00:06:55.500  means diversification. So how do we do that in a tax efficient manner? 138 00:06:55.500 --> 00:06:58.800  There's exchange funds that we you 139 00:06:58.800 --> 00:07:01.500  know that are really an option for very wealthy families, but 140 00:07:01.500 --> 00:07:05.200  really not for clients at scale. They're multi-million 141 00:07:04.200 --> 00:07:07.200  dollar minimums their private 142 00:07:07.200 --> 00:07:10.500  Fund Solutions and you know, you're vestly 143 00:07:10.500 --> 00:07:13.800  investing in a hedge fund that's gonna take seven years to diversify 144 00:07:13.800 --> 00:07:15.500  and they're very expensive. So we always knew 145 00:07:16.600 --> 00:07:19.800 that if we could use our capabilities to help clients diversify 146 00:07:19.800 --> 00:07:22.100  concentrated positions to be a pretty powerful thing and 147 00:07:22.100 --> 00:07:25.600  that 30 by 30 extensions the the way we do that so, you 148 00:07:25.600 --> 00:07:27.100  know, we put that long short extension on 149 00:07:27.700 --> 00:07:30.300 The extension generates tax benefits along the 150 00:07:30.300 --> 00:07:33.100  way we can use that extension to reduce the risk of 151 00:07:33.100 --> 00:07:36.200  that concentrated position. You're totally right there. And then 152 00:07:36.200 --> 00:07:39.300  over time as we generate those consistent tax benefits 153 00:07:39.300 --> 00:07:42.300  that gives us a mechanism to sell 154 00:07:42.300 --> 00:07:45.900  down that concentrated position, but we're always matching 155 00:07:45.900 --> 00:07:48.300  the tax benefits that we generate with the 156 00:07:48.300 --> 00:07:51.100  capital gains that we are realizing by selling down that 157 00:07:51.100 --> 00:07:51.400  position. 158 00:07:52.400 --> 00:07:55.700 And then once we sell we're rebalancing into a 159 00:07:55.700 --> 00:07:58.300  diversified index of the advisor and the client's Choice 160 00:07:58.300 --> 00:08:01.900  could be S&P 500. It could be Global stocks really whatever 161 00:08:01.900 --> 00:08:04.700  the asset allocation decision ends up 162 00:08:04.700 --> 00:08:07.400  being so yeah a typical even low basis very 163 00:08:07.400 --> 00:08:10.500  low basis position 20% cost basis. We 164 00:08:10.500 --> 00:08:13.400  can help diversify in a tax efficient manner 165 00:08:13.400 --> 00:08:15.100  in around seven years. 166 00:08:16.300 --> 00:08:19.100 That's very cool. It's a very clever strategy. I mean 167 00:08:19.100 --> 00:08:23.200  we're talking about tax benefits, but what we're really talking about is 168 00:08:22.200 --> 00:08:24.500  transitioning a 169 00:08:25.300 --> 00:08:28.900 Well, I would consider a concentrate risky portfolio very 170 00:08:28.900 --> 00:08:31.200  risky at times into something that 171 00:08:31.200 --> 00:08:34.700  is more suitable for that investor more Diversified but 172 00:08:34.700 --> 00:08:37.600  doing it in a way that they don't 173 00:08:37.600 --> 00:08:40.900  have to feel the the pain of unwinding 174 00:08:40.900 --> 00:08:44.000  those positions that might have some very significant embedded 175 00:08:43.300 --> 00:08:46.600  gains. You know it our 176 00:08:46.600 --> 00:08:47.500  industry we get 177 00:08:49.100 --> 00:08:52.000 picked on I guess for being very jargony right a lot 178 00:08:52.600 --> 00:08:55.100  of jargon and terms that a lot of folks that 179 00:08:55.100 --> 00:08:58.400  are not in this industry on a daily basis and 180 00:08:58.400 --> 00:09:02.000  we throw out the term tax Alpha quite a bit and 181 00:09:01.300 --> 00:09:04.300  I'll throw this question out to both the a Phil and Glenn. 182 00:09:04.300 --> 00:09:07.700  Can we just Define what tax Alpha is 183 00:09:07.700 --> 00:09:10.400  and then can you quantify it? Sure. Yeah. Yeah 184 00:09:10.400 --> 00:09:13.300  to us. I think of tax Alpha is 185 00:09:13.300 --> 00:09:13.900  tax savings. 186 00:09:14.900 --> 00:09:18.400 So, you know if if quantino generates 187 00:09:17.400 --> 00:09:20.900  a dollar of short-term 188 00:09:20.900 --> 00:09:22.200  capital loss. 189 00:09:22.700 --> 00:09:25.700 Then if you have a short-term gain 190 00:09:25.700 --> 00:09:28.500  a dollar of short-term gains, that saves you 191 00:09:28.500 --> 00:09:32.200  40.8 percent. So I've saved the client 40 cents 192 00:09:31.200 --> 00:09:34.900  41 cents in tax. If 193 00:09:34.900 --> 00:09:37.400  I'm using that short-term law stuff set long 194 00:09:37.400 --> 00:09:41.300  term gains that that long-term gains rate essentially 23% 195 00:09:40.300 --> 00:09:43.400  at the federal level. So I've 196 00:09:43.400 --> 00:09:46.800  saved clients, you know, 24 cents 197 00:09:46.800 --> 00:09:49.000  on that dollar of a capital loss. 198 00:09:49.900 --> 00:09:52.700 So if I can consistently generate Capital losses 199 00:09:52.700 --> 00:09:55.700  if quantino can consistently do that. We're letting 200 00:09:55.700 --> 00:09:58.500  clients offset the capital gains 201 00:09:58.500 --> 00:09:59.500  that they have in their portfolio. 202 00:10:00.100 --> 00:10:03.600 and they're just keeping more of the return from those capital gains 203 00:10:03.600 --> 00:10:06.200  year to year and those capital gains from can come from a lot of different, 204 00:10:06.200 --> 00:10:08.500  you know Avenues it could be 205 00:10:09.300 --> 00:10:12.300 Capital gains distributions from Mutual Funds. It could 206 00:10:12.300 --> 00:10:15.700  be long-term gains realized from rebalancing your portfolio 207 00:10:15.200 --> 00:10:19.000  Etc. So to me tax Alpha 208 00:10:18.700 --> 00:10:21.200  is keeping more of that return in the 209 00:10:21.200 --> 00:10:24.400  client's pocket paying less in capital gains and using those 210 00:10:24.400 --> 00:10:27.800  Capital losses as a vehicle to do that great. 211 00:10:27.800 --> 00:10:30.500  That's a that's a very eloquent definition of 212 00:10:30.500 --> 00:10:33.300  taxol. Do you care to add that? Yeah. I I like that 213 00:10:33.300 --> 00:10:36.100  definition as well. Yeah. One thing I'd say is 214 00:10:36.100 --> 00:10:40.000  that I think there's again pretty broad agreement 215 00:10:39.300 --> 00:10:42.700  that long only tax loss harvesting 216 00:10:42.700 --> 00:10:45.300  does have a benefit to the portfolio 217 00:10:45.300 --> 00:10:48.500  and it might be, you know one to two percent maybe maybe 218 00:10:48.500 --> 00:10:51.500  two percent on you know, really good implementations call 219 00:10:51.500 --> 00:10:54.400  it one percent. But again that has a 220 00:10:54.400 --> 00:10:57.600  horizon that's gonna likely track down as your portfolio 221 00:10:57.600 --> 00:11:00.300  ossifies seizes up turns into 222 00:11:00.300 --> 00:11:03.600  our favorite word. No, you know, 223 00:11:03.600 --> 00:11:06.400  nothing with unrealized gains. So, you know, 224 00:11:06.400 --> 00:11:09.100  you're talking 1% dish in 225 00:11:09.700 --> 00:11:12.600 Long only tax less harvesting type of tax Alpha that 226 00:11:12.600 --> 00:11:15.300  that is going to go away in a handful 227 00:11:15.300 --> 00:11:18.700  of years, right? Thank you for that. One of 228 00:11:18.700 --> 00:11:21.800  the the questions and this is gonna go really to 229 00:11:21.800 --> 00:11:24.200  investment vehicle more so than anything else. I've heard 230 00:11:24.200 --> 00:11:27.400  investors say like 2022 for instance. 231 00:11:28.200 --> 00:11:31.400 Horrible, no good very bad year for investors Equity fixed 232 00:11:31.400 --> 00:11:35.100  income both down investors who hold actively 233 00:11:34.100 --> 00:11:36.800  managed mutual funds. 234 00:11:37.900 --> 00:11:38.900 having negative return 235 00:11:39.900 --> 00:11:42.500 But they also got a pretty hefty tax bill 236 00:11:42.500 --> 00:11:45.600  in some scenarios right capital gains distributions in 237 00:11:45.600 --> 00:11:48.500  December. So Phil when investors 238 00:11:48.500 --> 00:11:51.200  are looking at open-ended mutual funds what are 239 00:11:51.200 --> 00:11:54.700  some of the things that they should be considering from a tax efficiency standpoint, 240 00:11:54.700 --> 00:11:57.700  you raise a good point and to some extent 241 00:11:57.700 --> 00:12:00.300  those examples of you know, being down and 242 00:12:00.300 --> 00:12:03.600  having a gains distribution. That's an unlucky 243 00:12:03.600 --> 00:12:06.600  combination of a handful of things right like it comes 244 00:12:06.600 --> 00:12:09.300  down to perform some fun what the 245 00:12:09.300 --> 00:12:12.400  Redemption level was how the fun generates cash 246 00:12:12.400 --> 00:12:15.900  to meet those redemptions and whether 247 00:12:15.900 --> 00:12:18.600  or not that's kind of gain realizing 248 00:12:18.600 --> 00:12:21.700  lost real estate realizing or neutral history of 249 00:12:21.700 --> 00:12:24.500  the mutual funds experience can maybe give you 250 00:12:24.500 --> 00:12:28.000  some insight into that as well as the strategy whether 251 00:12:27.300 --> 00:12:30.500  it's going to be, you know tax efficient in 252 00:12:30.500 --> 00:12:33.800  a neutral kind of scenario and whether 253 00:12:33.800 --> 00:12:36.500  it's you know, growing or stable 254 00:12:36.500 --> 00:12:39.500  as opposed to, you know, shrinking with a lot of redemptions. 255 00:12:40.400 --> 00:12:43.800 you mentioned tack sorry investment vehicles so very often 256 00:12:43.800 --> 00:12:44.200  we 257 00:12:45.100 --> 00:12:48.600 We compare mutual funds and ETFs and there are some important differences 258 00:12:48.600 --> 00:12:51.300  there on the income side, they're pretty 259 00:12:51.300 --> 00:12:55.200  even right funds all funds have to distribute income and 260 00:12:55.200 --> 00:12:58.900  they can choose the frequency with which they do that. Some of 261 00:12:58.900 --> 00:13:01.500  the differences really come into play with capital gains 262 00:13:01.500 --> 00:13:04.400  realization. Now mutual funds to me 263 00:13:04.400 --> 00:13:07.300  to Redemption they have to do that with the cash in the fund. They might 264 00:13:07.300 --> 00:13:10.500  have enough cash. They might need to sell to realize that 265 00:13:10.500 --> 00:13:13.000  to fund that Redemption and some of 266 00:13:13.100 --> 00:13:16.900  the things I mentioned earlier, you know, whether they have enough cash what 267 00:13:16.900 --> 00:13:19.300  their tax Lots look like how their age 268 00:13:19.300 --> 00:13:22.600  how they're Diversified how the fund's been performing, you know 269 00:13:22.600 --> 00:13:25.300  frequency and magnitude of redemptions all that will 270 00:13:25.300 --> 00:13:28.600  kind of impact whether or not you're end. They have realized 271 00:13:28.600 --> 00:13:31.800  game they need to distribute or not with ETFs. 272 00:13:31.800 --> 00:13:34.400  There's a little more complexity in how they're traded 273 00:13:34.400 --> 00:13:38.100  and some of the some of the capital gains efficiencies. 274 00:13:37.100 --> 00:13:40.400  So you and I can trade an ETF 275 00:13:40.400 --> 00:13:43.300  on an exchange and that doesn't involve the fund at all, you know, you 276 00:13:43.300 --> 00:13:44.900  sell share I buy a share from you and 277 00:13:45.100 --> 00:13:49.000 The fund's not involved funds doesn't need to find cash pretty 278 00:13:48.300 --> 00:13:51.400  simple. But there are some transactions that do 279 00:13:51.400 --> 00:13:54.700  involve the fund, you know, something called authorized participants help 280 00:13:54.800 --> 00:13:57.300  ETFs trade efficiently 281 00:13:57.300 --> 00:14:00.900  and sometimes they'll redeem directly with the fund the 282 00:14:00.200 --> 00:14:03.100  ETF the ETF has a choice 283 00:14:03.100 --> 00:14:06.600  to you know, redeem in kind or give Securities to that 284 00:14:06.600 --> 00:14:09.500  redeeming entity, right and in 285 00:14:09.500 --> 00:14:12.400  doing that there's no transaction. There's no realization 286 00:14:12.400 --> 00:14:15.100  of of gains and it gets 287 00:14:15.100 --> 00:14:18.400  even more interesting because that the fun can choose 288 00:14:18.400 --> 00:14:22.300  which shares to redeem out and they can often redeem 289 00:14:21.300 --> 00:14:25.000  out the lowest cost basis shares. Thereby, you 290 00:14:24.400 --> 00:14:27.700  know creating a very tax efficient fund vehicle. 291 00:14:27.700 --> 00:14:31.200  The investors still needs to pay tax on their gain 292 00:14:30.200 --> 00:14:33.800  if they sell their shares, right, but the 293 00:14:33.800 --> 00:14:36.700  fund itself can get pretty creative in 294 00:14:36.700 --> 00:14:39.300  in reducing cap games realization. So, 295 00:14:39.300 --> 00:14:42.300  you know, it depends sometimes on the strategy, you know, 296 00:14:42.300 --> 00:14:44.900  fixing strategies might not be as 297 00:14:45.100 --> 00:14:48.600 Efficient in an ETF as as Equity strategies and some 298 00:14:48.600 --> 00:14:51.200  mutual funds can certainly be very tax efficient. So, you know, 299 00:14:51.200 --> 00:14:54.300  it comes down to you know, I think education getting the 300 00:14:54.300 --> 00:14:57.200  right investment strategy and then, you know also choosing the right vehicle 301 00:14:57.200 --> 00:15:00.800  now, that's that's really interesting and we've had conversations 302 00:15:00.800 --> 00:15:03.100  on the differences between ETFs and mutual funds on 303 00:15:03.100 --> 00:15:06.300  this podcast. And what's really fascinating to me again, 304 00:15:06.300 --> 00:15:09.300  I'm gonna use the term convenient byproduct the creation of 305 00:15:09.300 --> 00:15:12.900  redemption process of an ETF isn't designed 306 00:15:12.900 --> 00:15:15.700  for tax efficiency. It's designed to 307 00:15:15.700 --> 00:15:18.200  making sure that the 308 00:15:18.200 --> 00:15:21.300  nav is equal to the underlying basket of 309 00:15:21.300 --> 00:15:24.700  stocks in that process in itself makes ETFs 310 00:15:24.700 --> 00:15:26.100  extremely tax efficient. 311 00:15:26.900 --> 00:15:29.900 So it's not the goal but it is is something 312 00:15:29.900 --> 00:15:33.700  that you get through that process, which is interesting. Okay, 313 00:15:32.700 --> 00:15:35.300  so just kind of recap here for 314 00:15:35.300 --> 00:15:36.600  our investors. 315 00:15:38.400 --> 00:15:41.100 When considering your tax status with your 316 00:15:41.100 --> 00:15:44.700  portfolios consider what we call an evidence-based 317 00:15:44.700 --> 00:15:47.400  investment philosophy Buy and Hold that 318 00:15:47.400 --> 00:15:51.700  tends to lead to not only a greater likelihood of outperformance 319 00:15:50.700 --> 00:15:53.100  by staying the course, but it 320 00:15:53.100 --> 00:15:56.500  reduces frictions reduces transactions in 321 00:15:56.500 --> 00:16:00.400  the portfolio. Thus leading to a higher level of tax efficiency consider 322 00:15:59.400 --> 00:16:03.000  the vehicles that you're using when using 323 00:16:02.300 --> 00:16:06.100  open-ended mutual funds gravitate towards 324 00:16:05.100 --> 00:16:08.400  more passively managed growing mutual 325 00:16:08.400 --> 00:16:12.000  funds ETFs certainly have tax benefits and 326 00:16:11.200 --> 00:16:14.400  for those investors that are deploying a 327 00:16:14.400 --> 00:16:17.200  direct indexing strategy. There's certainly more 328 00:16:17.200 --> 00:16:21.100  opportunities through the sheer number of names to identify losses 329 00:16:20.100 --> 00:16:23.500  to perform ongoing tax loss harvesting 330 00:16:23.500 --> 00:16:26.200  and then lastly Glenn against thanks for 331 00:16:26.200 --> 00:16:29.700  joining us adding a long short 332 00:16:29.700 --> 00:16:33.100  extension a 1:30 strategy certainly can 333 00:16:32.100 --> 00:16:36.100  help not only from a diversification standpoint, 334 00:16:35.100 --> 00:16:37.200  but also from 335 00:16:38.300 --> 00:16:42.000 Alpha generating strategy. So Glenn. 336 00:16:41.200 --> 00:16:44.300  Thank you so much for your time Phil. Thank you for joining us 337 00:16:44.300 --> 00:16:47.200  here for our listeners. Thank you for for listening to 338 00:16:47.200 --> 00:16:50.200  us. You can access this podcast and all of 339 00:16:50.200 --> 00:16:53.900  our podcasts and our series anywhere you get your podcasts and 340 00:16:53.900 --> 00:16:56.000  I look forward to our conversation next time. Thank you 341 00:16:56.200 --> 00:16:59.800  so much gentlemen, thank you. Thanks Cemetery Partners. LLC 342 00:16:59.800 --> 00:17:02.600  is an investment advisor firm registered with 343 00:17:02.600 --> 00:17:05.400  the Securities and Exchange Commission The Firm only 344 00:17:05.400 --> 00:17:08.300  transacts business in states where it is properly 345 00:17:08.300 --> 00:17:11.600  registered or excluded or Exempted from 346 00:17:11.600 --> 00:17:14.300  registration requirements registration of 347 00:17:14.300 --> 00:17:17.400  an investment advisor does not imply any specific level 348 00:17:17.400 --> 00:17:20.600  of skill or training and does not constitute an 349 00:17:20.600 --> 00:17:23.700  endorsement of the firm by the commission. No one 350 00:17:23.700 --> 00:17:27.200  should assume that future performance of any specific investment investment 351 00:17:26.200 --> 00:17:30.200  strategy product or non-investment 352 00:17:29.200 --> 00:17:32.000  related content made reference to 353 00:17:32.600 --> 00:17:35.600  directly or indirectly in this material will be profitable. 354 00:17:36.600 --> 00:17:39.100 As with any investment strategy there is the 355 00:17:39.100 --> 00:17:42.700  possibility of profitability as well as loss due 356 00:17:42.700 --> 00:17:45.400  to various factors including changing market 357 00:17:45.400 --> 00:17:47.800  conditions and/or applicable laws. 358 00:17:48.600 --> 00:17:51.700 Content may not be reflective of current opinions 359 00:17:51.700 --> 00:17:54.800  or positions. Please note the material 360 00:17:54.800 --> 00:17:57.200  is provided for educational and background use 361 00:17:57.200 --> 00:18:00.700  only moreover. You should not assume that any discussion or 362 00:18:00.700 --> 00:18:03.800  information contained in this material serves as 363 00:18:03.800 --> 00:18:06.400  the receipt of or as a substitute for 364 00:18:06.400 --> 00:18:08.900  personalized investment advice.

In this episode of Disguised Coverage, Anthony is joined by PFF salary cap analyst & Over The Cap contributor Brad Spielberger to detail the impending market & value of Buffalo Bills free agents Tremaine Edmunds & Jordan Poyer. Anthony & Brad detail each player's worth, value, positional markets, likely landing spots, other free agent fits for the Bills, and more #billsmafia #buffalobills #bills0:00 | Opening Thoughts5:51 | The State of the Linebacker Market15:12 | Tremaine Edmunds' Market Value26:30 | Predicting Where Tremaine Edmunds Lands28:40 | The State of the Safety Market33:05 | Jordan Poyer vs the Free Agent Safety Class38:31 | Predicting Where Jordan Poyer Lands & the Impact of State Taxes on Where Players Sign 41:48 | Free Agent Fits for the Buffalo Bills1:30:22 | Closing Thoughts Presenting Sponsor - One Pie Pizza https://www.onepiepizza.com/Tell them Cover 1 and Disguised Coverage sent you!! One Pass Premium Membership - https://www.cover1.net/onepass/BetUS has live wagering on all major games, the best betting variety in the business, an easy deposit & withdrawal process & the Fastest Payouts in the IndustryOur loyal Cover 1 fans get a choice between two exclusive offers, either a 125% sign-up bonus on your first deposit up to $2500 - http://bit.ly/BetUS_Cover1 or a free $50 bet with no deposit required - http://bit.ly/Cover1_50Cover 1 would love to hear your thoughts on this topic and the show in general. Comment below and let us what you think!Don't miss out on our PREMIUM CONTENT-Access to detailed Premium Content.-Access to our video library.-Access to our private Slack channel.-Sneak peek at upcoming content.-Exclusive group film room sessions & much more.SIGN UP HERE: https://www.cover1.net/premium-content-plans/ Thank you for watching this video, we can't do it without the support of our fans. If you have any ideas for content you'd like to see from us, comment below.DOWNLOAD THE COVER 1 MOBILE APP!► Android: https://play.google.com/store/apps/details?id=com.coverapp► iOS: https://apps.apple.com/us/app/id1532587486 ► Subscribe to our YouTube channel - https://www.youtube.com/channel/UClL6eJS1s8xmRoYRQbYgxQQ?sub_confirmation=1► Subscribe to our Cover 1 Network channel - https://podcasts.apple.com/us/podcast/cover-1-sports/id1370162953Cover 1 provides a multi-faceted analysis of the NFL and NFL Draft including Podcasts, Video blogs, Commentary, Scouting Reports, Highlights, and Video Breakdowns. NFL footage displayed is not owned by Cover 1.Follow Us HereTwitter: https://twitter.com/Cover1Instagram: https://www.instagram.com/@Cover_1_Facebook: https://www.facebook.com/Cover1NFL/Official Merchandise:https://teespring.com/en-GB/stores/cover-1The Cover1.net website and associated Social Media platforms are not endorsed by, directly affiliated with, maintained, authorized, or sponsored by the NFL or any of its clubs, specifically the Buffalo Bills. All products, marks, and company names are the registered trademarks of their original owners. The use of any trade name or trademark is for identification and reference purposes only and does not imply any association with the trademark holder of their product brand.

It's Tax Season! MAJ Ceara Riggs and MAJ Kyle Burgamy clarify state residency requirements for Service members and spouses that may help reduce their tax burden.

The rules and regulations in the state tax landscape are quickly evolving and investment managers need to stay informed of how their industry is being impacted. In this latest episode we hear from Deloitte Multistate Tax Specialists on recent state tax adjustments affecting the investment management industry and how to tackle these issues.

Nearly half of states have lowered their income-tax rates, or are now moving to do so, within a period of only a few years. What's causing this trend, and if federal Covid-19 money is part of the story, how are Governors strategizing to avoid a revenue crunch once those funds end? Plus, Joe Biden prepares to deliver the State of the Union address, with no signs that he will change course on the economy or Ukraine. Learn more about your ad choices. Visit megaphone.fm/adchoices

Though surging stocks suggest markets are reaffirming hopes of a soft landing from the FED, some high-profile strategists disagree. Today's Stocks & Topics: Home Sales Report, Musk and Twitter, Oil Prices, VZ - Verizon Communications Inc., XLI - Industrial Select Sector SPDR ETF, PYPL - PayPal Holdings Inc., SCHD - Schwab US Dividend Equity ETF, AMT - American Tower REIT, Retirement and State Taxes, GOGL - Golden Ocean Group Ltd., Life Insurance, IWM - iShares Russell 2000 ETF, UVV - Universal Corp., TGT - Target Corp. Plus: Key Benchmark Numbers and Market Comments for: Treasury Yields, Gold, Silver, Oil and Gasoline.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Today I'm talking about state taxes (in retirement!). Specifically, I'm sharing three important facts that often fly under the radar. I'm also clearing up common misconceptions and sharing real-life examples.  If you're ready to learn how state income taxes will impact your bottom line in retirement, this episode is for you. Want more retirement content? Subscribe to the Stay Wealthy e-newsletter! *** ✏️  Grab the Episode Show Notes

This episode is on how states tax corporations and how that affects their business decisions, with special guest Anthony Welsch to discuss his research on the topic.

What are the tax implications when you live in line state and work in another? While most states have a marginal tax rate, some states charge a flat tax  and others don't have a state income tax at all! Listen and see how it may affect you and find out how  you file?Seeking financial counsel? Check us out at Capitalcoaching.net and see how we can provide financial coaching with a personal touch.You can share  your ideas at financesand.net and leave a review at Apple Podcasts by going to the bottom of the page and choosing write a review.Want to start your own podcast? Check out Buzzsprout here!https://www.buzzsprout.com/?referrer_id=819454.

Jerry is here for his first update but first we talked about Aaron Judge being stuck at 61 and everybody keeps breaking in to cover his at bats. Luis Severino had a no hitter through seven innings but was pulled because he is returning from an injury. Boomer thinks the Yankees did the right thing in pulling Severino as he is good to go for the playoffs. The Mets are still alive as the Braves lost to the Marlins. The 49'ers beat the Rams last night 24-9 and Matthew Stafford was sacked seven times. Someone ran on the field with a pink smoke bomb. Brian Daboll was asked about Daniel Jones' injury. Tyreek Hill chose the Dolphins over the Jets because of state taxes. 

Big O talks state taxes

Big O talks state taxes

The guys discuss state tax disadvantages, QB's with headbands, leader-of-men haircuts and more! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Ready for Retirement, James discusses how state taxes impact Roth v. Traditional Contributions.Questions Answered: How should you determine what tax strategy is best based on your state?What's the best strategy to utilize when it comes to determining when to prioritize Roth contributions?How does this impact your overall retirement strategy?Check out the podcast on YouTube here!Check out our main channel on YouTube here!LET'S CONNECT!FacebookLinkedInWebsiteENJOY THE SHOW?Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google PlayHave a question you want answered on a future episode? Submit it here

GET‌ ‌EVERY‌ ‌EPISODE‌ ‌AND‌ ‌BONUS‌ ‌CONTENT‌ ‌AT:‌ ‌‌www.patreon.com/crackpotpodcast‌ It's that time of the year when Americans are required to file their taxes. While this may sound like a fairly simple and innocuous task, leave it to the United States Government to have the most convoluted messed up system in the world. Surprised? Neither are we! And to make matters worse, corporate greed is behind all of it. Tune in to this week's show to feel a whole range of emotions you didn't know existed when it comes to filing your own taxes!