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In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss some of the most effective ways to lower taxes in retirement before the end of taxes 2026. Drawing from more than 150 client tax strategy meetings conducted by Peace of Mind Wealth Management, they break down the Retirement tax planning strategies that delivered the greatest benefits to retirees. From charitable giving opportunities to Roth conversion strategy analysis, this episode provides actionable insights designed to help retirees make smarter decisions about their future tax liability.Listen in to learn about proven tax strategies including Qualified Charitable Distributions (QCDs), Donor Advised Funds, Tax Efficient Investing, Tax Loss Harvesting, and RMD planning. Whether you're focused on reducing retirement income tax, preparing for future Required Minimum Distributions, creating a comprehensive retirement checklist, or looking for ways to secure your retirement, this episode offers valuable guidance to help you maximize your wealth and keep more of what you've worked so hard to save.In this episode, find out:How a Qualified Charitable Distribution (QCD) can help charitably inclined retirees reduce taxes in retirement while supporting causes they care about.Why a Donor Advised Fund may allow you to maximize charitable deductions and improve your overall tax planning strategy.How Tax Efficient Investing and Tax Loss Harvesting can potentially reduce taxes and improve after-tax portfolio returns.Why Roth conversion analysis can help lower future retirement income tax and reduce the impact of future Required Minimum Distributions (RMDs).How proactive Retirement Planning and annual tax strategy reviews can help you plan for retirement, optimize your finances, and retire more confidently.Tweetable Quotes:"A Qualified Charitable Distribution is one of the few opportunities where you can put money into an IRA, receive the tax deduction, experience growth, and then ultimately distribute those dollars completely tax-free to charity." — Murs Tariq"Everyone should not do a Roth conversion, but everyone should do a Roth conversion analysis because the impact on lifetime tax savings can be substantial." — Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.
Coach Pete is joined by tax strategist and entrepreneur Alan Grissom for a conversation about indexing, tax strategy, and how technology is changing the way investors manage money. Alan explains the role of indices like the S&P 500 and Dow Jones Industrial Average, why passive strategies often outperform active management, and how direct indexing can give investors more control over their portfolios. The discussion also takes a historical detour through railroads, Wall Street, and Cornelius Vanderbilt to show how markets and wealth-building have evolved over time. From there, the episode digs into tax loss harvesting and how selling gains alongside offsetting losses may help reduce taxable exposure. For listeners looking to keep more of what they have earned, this episode offers a practical look at tax-aware investing strategies that were once mostly available to the ultra-wealthy.See omnystudio.com/listener for privacy information.
Don flies solo for a Friday Q&A, fielding questions on switching into financial services careers, the risks and reality of “enhanced” direct indexing strategies, whether newer Avantis ETFs add real value, and a classic diversification debate sparked by Markowitz and Bessembinder research. He emphasizes that financial advising is primarily a sales-driven business, warns against overly complex and leveraged investment strategies being pushed by Wall Street, reinforces the importance of broad diversification over clever stock picking, and closes by cautioning DIY retirees about the real complexity of managing withdrawals—suggesting that many would benefit from at least some level of professional guidance.0:02 Friday intro, Tom gets screened out, tease of upcoming interview1:41 Listener question: switching from IT consulting to financial services3:20 Reality of the industry: sales-driven, not data-driven6:03 Don's personal story entering finance and high failure rate6:58 Listener question: enhanced direct indexing explained8:02 Critique of long/short indexing strategies and high risk10:44 Why firms like Schwab and Fidelity are limiting these strategies11:20 Listener question: Avantis Total Market ETF (AVTM)12:07 Why AVTM is unnecessary and overly complex13:49 “Tune out the noise” and product proliferation critique14:11 Listener question: 44 stocks vs. total market diversification16:12 Markowitz vs. Bessembinder explained clearly17:38 Why owning the whole market beats trying to pick winners19:18 Listener question: DIY retirement, bucket strategy, and tools20:15 Why complexity often requires paid guidance21:41 When advisors make sense in retirement23:12 Call for more listener questions and show promotionQuestions? Comments? Click!
The Iran war has reshuffled the global energy order, handing OPEC's coveted swing producer role to the United States. We explore what this geopolitical shift means for domestic energy stocks, oil prices, and long-term energy independence.Today's Stocks & Topics: Williams-Sonoma, Inc. (WSM), Market Wrap, Strategies for Tax Loss Harvesting, America's New Oil Crown: How the Iran War Made the US the World's Swing Producer, Aehr Test Systems Inc. (AEHR), America is Losing Conference on Retirement, Franco-Nevada Corporation (FNV), Stock Market Valuation, Dividend Stocks or Price Appreciation.Our Sponsors:* Check out Anthropic: https://claude.ai/invest* Check out Pebl: https://hipebl.ai* Check out Plaud AI and use my code INVEST for a great deal: https://plaud.ai* Check out Quince: https://quince.com/invest* Check out TruDiagnostic and use my code INVEST20 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands
Artificial intelligence is quickly becoming the headline explanation for layoffs—but the story underneath is more nuanced. We'll unpack the rise of “AI washing,” where companies point to future efficiency gains to justify workforce cuts that are often more about correcting pandemic-era overhiring and tightening costs. Along the way, we'll explore why only a small portion of layoffs are truly driven by current AI replacement—and why invoking AI can send a powerful signal to investors, even when the fundamentals haven't changed.Then, we turn to a different kind of risk—one that often comes from success. Concentrated positions tend to build when something goes very right, but over time, they can quietly introduce significant exposure. We'll break down why investors hesitate to unwind them, the real risks hiding beneath the surface, and practical ways to diversify without making all-or-nothing decisions.Because whether it's headlines around AI or a portfolio shaped by big winners, the key is understanding what's really driving the story—and making decisions that help preserve what you've built.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — April 11, 2026 | Season 40, Episode 15Timestamps and Chapters7:17: AI Washing Wall Street 25:16: Your Biggest Winner… Your Biggest RiskFollow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com
As markets flirt with correction territory and geopolitical tension continues to drive uncertainty around oil, inflation, and interest rates, Brian and Jeremiah focus on what investors should actually do when volatility rises. Rather than reacting to headlines, they explain why market pullbacks create opportunities—from tax-loss harvesting to strategic gifting—and how disciplined planning can turn short-term declines into long-term advantages. The show then shifts into practical, real-world financial planning conversations. The hosts walk through how to handle inheritances, including what happens to debt, how probate works, and why some assets may need to be liquidated despite emotional attachment. They also highlight lesser-known strategies like gifting appreciated stock, charitable giving for tax efficiency, and using HSAs more effectively. In Hour 2, the conversation returns to fundamentals, breaking down retirement accounts like traditional IRAs and Roth IRAs in simple terms. How they're taxed, when contributions make sense, and how to use them to reduce taxes today while planning for future income. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————
Why they may be a good idea for clients and an even better idea for financial advisors. • Learn more at thriventfunds.com • Follow us on LinkedIn • Share feedback and questions with us at podcast@thriventfunds.com • Thrivent Distributors, LLC is a member of FINRA and a subsidiary of Thrivent, the marketing name for Thrivent Financial for Lutherans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode, Brent discusses how recent volatility in crypto, precious metals, and the markets can create smart tax-planning opportunities. He breaks down tax-loss harvesting, how losses can offset gains, and why timing matters when prices swing sharply. Brent also explains the wash sale rule and highlights a unique advantage for crypto and physical precious metal investors that many people miss. ___________________________________________________________________________________ Do you want access to the videos, drawings, templates, tools, and be able to get your questions answered on the live calls or in the community? We'd love to have you join the Wealth Game basics today to get some additional free resources, videos, and tools: Visit www.wealthgame.io For specific one on one, or group support for tax planning, strategy, tax preparation, bookkeeping, accounting, or other CPA firm related services, we recommend going to www.bementcompany.com to connected with our team of CPAs and professionals. 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 additional information and links to all available platforms please visit our website at www.wealthgame.io Contact Us: Websites: www.wealthgame.io www.bementcompany.com You can also stream The Wealth Game on: Spotify: https://open.spotify.com/show/5vKCgwK9K7zw1FrXoNAdoh?si=b95d0293bb4b41ad Apple Podcasts: https://podcasts.apple.com/us/podcast/wealth-game/id1638735155 Connect with Brent Bement: LinkedIn: www.linkedin.com/in/brentbement X: https://x.com/brentbement Instagram: https://www.instagram.com/brentbement/
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Why do the ultra-wealthy ignore the traditional 60/40 portfolio? Tad Fallows, founder of a high-net-worth community, reveals that his members hold almost zero bonds and use portfolio lines of credit instead of keeping cash reserves. In this interview, he breaks down the actual asset allocation strategies used by those with $5M-$100M+ net worths, including why they prioritize private equity and real estate over public bonds. Tad also explains why whole life insurance is almost never a good investment , the difference between revocable and irrevocable trusts for estate planning , and sophisticated tax strategies for selling concentrated stock positions—like Exchange Funds and Direct Indexing—without triggering a massive tax bill. Check out the company: https://longangle.com
Today we are talking to a hospitalist who is giving up partnership at his practice to become a full time entrepreneur. He is excited to be able to practice medicine on his own terms. He has always had an entrepreneur mindset and not long after residency he started buying real estate and ultimately ended up buying six car washes with a plan to acquire 3 more before the end of the year. He is comfortable with leveraging debt and has built an empire that has proven very lucrative. He loves that he is building a legacy that he can leave to his children. After the interview we are talking about tax loss harvesting for Finance 101. Still not sure what to do with your student loans?Overwhelmed with how to tackle that giant debt in an ever changing political climate? The experts at StudentLoanAdvice.com are here to help guide you through the best options to manage your loans – our experienced staff have consulted on over $250M in student loan debt, and the average studentloanadvice.com client has saved over $190,000 dollars. You will receive a customized student loan plan using the principles of The White Coat Investor, get answers to all of your student loan questions, gain clarity about your financial future and start down the right path toward financial freedom. Book a consult today at www.studentloanadvice.com. You can do this and The White Coat Investor can help. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube Student Loan Advice for all your student loan needs: https://studentloanadvice.com Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor Join the community on Twitter: https://twitter.com/WCInvestor Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 00:00 MtoM Podcast #254 01:40 Hospitalist Becomes a Full-Time Entrepreneur 15:00 Advice For Others 18:54 3 Pathways to Wealth 22:23 Tax Loss Harvesting
Mark Longo, Uncle Mike Tosaw (St. Charles Wealth Management), and Andrew 'The Rock Lobster' Giovinazzi (The Option Pit) break down the final full trading week of 2025. This high-stakes episode covers the shocking conclusion to the '80s Trivia Challenge, explosive VIX and index flow, and a crucial year-end Tax Strategy discussion. The '80s Trivia Challenge: A Consequential Loss The dramatic conclusion of the year-long contest: Uncle Mike vs. The Rock Lobster. The hosts sweat it out in a high-pressure round of Sports & Leisure trivia. Find out who claims the point and if the "Chicago Politics" conspiracy theories hold up! The Trading Block: End-of-Year Market Breakdown The VIX Cash index is rallying off recent lows. Is this December different from years past? The Rock Lobster confesses his VIX Puts strategy was his "worst product" of the year due to being a "Greedy Pig" and not monetizing the downside swings. The panel also looks at key single-name movers like Apple (AAPL), Broadcom (AVGO), and a roaring Tesla (TSLA). Hot Options Report: VIX Puts & SPY Zero Day Flow Detailed analysis of today's hottest option: The dirt-cheap Dec 15th VIX Puts for $0.04. Plus, a look at the massive flow in SPY (SPY) and SPX (SPX) index options, confirming the zero-day trend, alongside surprising upside action in the QQQ (QQQ) Calls. Strategy Block: Crucial Year-End Tax Planning Uncle Mike provides essential guidance on year-end tax strategies. He details how to use Tax Loss Harvesting to offset gains and reminds traders about the Wash Sale rules. A must-listen segment covers the Mark-to-Market rule for 1256 Contracts (like SPX options) before the December 31st deadline. Around the Block: Silver (SLV) Poll & All-Time Highs The team forecasts whether Silver (SLV) can continue its historic run into 2026. Plus, predictions on if the SPX can hit new All-Time Highs before the new year.
Mark Longo, Uncle Mike Tosaw (St. Charles Wealth Management), and Andrew 'The Rock Lobster' Giovinazzi (The Option Pit) break down the final full trading week of 2025. This high-stakes episode covers the shocking conclusion to the '80s Trivia Challenge, explosive VIX and index flow, and a crucial year-end Tax Strategy discussion. The '80s Trivia Challenge: A Consequential Loss The dramatic conclusion of the year-long contest: Uncle Mike vs. The Rock Lobster. The hosts sweat it out in a high-pressure round of Sports & Leisure trivia. Find out who claims the point and if the "Chicago Politics" conspiracy theories hold up! The Trading Block: End-of-Year Market Breakdown The VIX Cash index is rallying off recent lows. Is this December different from years past? The Rock Lobster confesses his VIX Puts strategy was his "worst product" of the year due to being a "Greedy Pig" and not monetizing the downside swings. The panel also looks at key single-name movers like Apple (AAPL), Broadcom (AVGO), and a roaring Tesla (TSLA). Hot Options Report: VIX Puts & SPY Zero Day Flow Detailed analysis of today's hottest option: The dirt-cheap Dec 15th VIX Puts for $0.04. Plus, a look at the massive flow in SPY (SPY) and SPX (SPX) index options, confirming the zero-day trend, alongside surprising upside action in the QQQ (QQQ) Calls. Strategy Block: Crucial Year-End Tax Planning Uncle Mike provides essential guidance on year-end tax strategies. He details how to use Tax Loss Harvesting to offset gains and reminds traders about the Wash Sale rules. A must-listen segment covers the Mark-to-Market rule for 1256 Contracts (like SPX options) before the December 31st deadline. Around the Block: Silver (SLV) Poll & All-Time Highs The team forecasts whether Silver (SLV) can continue its historic run into 2026. Plus, predictions on if the SPX can hit new All-Time Highs before the new year.
NEW THEME SONG VERSION - Thanks ClaytonThis episode has some of the best information I've put out there and how I compare stocks - but I used several AI agents to figure out strategies too! $TSLA vs. $RIVN and what do you think of $BAC? THESE SALES END SOON: TRENDSPIDER HOLIDAY SALE - Get 52 trainings for the next year at 68% off. Become a Trendspider master! SEEKING ALPHA BUNDLE - ALPHA PICKS AND PREMIUM Save over $200Seeking Alpha Premium - FREE 7 day trial Alpha Picks - Save $100 Seeking Alpha Pro - for the Pros EPISODE SUMMARY
Oracle is increasing capital spending by $15 Billion, but they didn't raise their revenue guidance. In this video, we break down the multiple factors impacting Oracle's (ORCL) Fiscal Q2 2026 earnings. Debt is rising toward $110 Billion, free cash flow has swung to negative $10 Billion, and a one-time sale of Ampere is masking the true net income.We analyze why Oracle is selling its chip unit to SoftBank, why "Remaining Performance Obligations" (RPO) are not set in stone revenue, and why we are tax-loss harvesting our position until the cash flow improves.Join us on Discord with Semiconductor Insider, sign up on our website: www.chipstockinvestor.com/membershipSupercharge your analysis with AI! Get 15% of your membership with our special link here: https://fiscal.ai/csi/Sign Up For Our Newsletter: https://mailchi.mp/b1228c12f284/sign-up-landing-page-short-formIf you found this video useful, please make sure to like and subscribe!*********************************************************Affiliate links that are sprinkled in throughout this video. If something catches your eye and you decide to buy it, we might earn a little coffee money. Thanks for helping us (Kasey) fuel our caffeine addiction!Content in this video is for general information or entertainment only and is not specific or individual investment advice. Forecasts and information presented may not develop as predicted and there is no guarantee any strategies presented will be successful. All investing involves risk, and you could lose some or all of your principal.Chapters:00:00 - Oracle Earnings: Why the Narrative Soured 01:25 - The Guidance Miss: $15B More Spend, Zero Extra Revenue 02:18 - RPO Explained: Is the $523 Billion Backlog Real? 03:55 - CapEx vs. Revenue: Comparing Oracle to Other Hyperscalers 05:10 - Cash Flow Alert: The Swing to Negative $10 Billion 06:20 - The Ampere Sale: Why Larry Ellison Sold His Chip Unit 07:30 - Strategy Shift: Moving to "Chip Neutrality" 08:24 - The Debt Load: Total Debt Approaching $110 Billion 08:45 - Final Verdict: Why We Are Selling for Tax Loss Harvesting#Oracle #StockAnalysis #ORCL #CashFlow #Investing #AIInfrastructure #TechStocks #BalanceSheetNick and Kasey own shares of Oracle
On this week's episode of "Financial Planning: Explained”, host Michael Menninger, CFP sits down with Nick DeVito. Nick is a partner and financial planner at Menninger & Associates Financial Planning. In this episode, Mike and Nick discuss the concept of tax-loss harvesting. The guys discuss what exactly the concept means, strategies used, and the interesting concept of tax-gain harvesting. This is a great episode for anyone who wants a little more clarity on the concept of tax-loss harvesting. For more information on Menninger & Associates Financial Planning visit https://maaplanning.com.
This week on the Retirement Quick Tips podcast, I'm sharing with you my year-end financial checklist. With only a few weeks before the end of the calendar year, there's still time to complete these before year-end. Today, I'm talking about tax loss harvesting. If you have taxable investment accounts, you'll want to look closely at your gains and losses for the year.
We have gone through four industrial revolutions in the US, why does the AI revolution scare us the most? Industrial revolutions are nothing new in the United States as we have had four including the current one we are in. The first one came in the mid-18th century when changes came for waterpower, steam engines, and textile manufacturing. The second industrial revolution was in the mid-19th century when steel became a big factor along with electricity and mass production. We also saw transportation by railroads and automobiles during this revolution. The third industrial revolution came around the mid-1990s. Some of us who are 50 years or older may remember the effects. Electronics including personal computers, information technologies, and this scary thing called the World Wide Web were developed during this revolution. The fourth industrial revolution is happening now and it's scary because we don't know what the future holds. This revolution includes digital, physical, and biological technologies. This includes AI, the Internet of Things, and robotics as well. The reason this is scarier than the third revolution with personal computers was that people could see how they could benefit and get more done and maybe use that computer to start a web-based business. Currently with AI, people are not seeing how it will benefit or improve their lives but only how it could take away their livelihood by making their job obsolete. There could be a slowdown in the advancement of AI similar to what happened in the late 70s with nuclear power. People as a whole rejected nuclear power, and it has taken almost 50 years to be accepted as we can see in today's newspapers. Based on history, it looks like the acceptance of AI may slow down because polls show that just 40% of people said the AI industry could be trusted to do the right thing, and 57% say the government needs more regulation on tech and AI. Maybe your job is safe for longer than you thought. Bitcoin holder Strategy should be getting nervous about the price of Bitcoin The public company Strategy, which used to be known as MicroStrategy and trades under the symbol MSTR, should be getting nervous about its 650,000 Bitcoins that are worth around $56 billion depending on the day. The problem is the company has about $8 billion of convertible bonds outstanding that require interest payments and about $7.6 billion of perpetual preferred stock that also pays dividends. The cost to pay the interest and these dividends is about $780 million annually and since all the company's assets are essentially in Bitcoin, they don't receive any interest or profits from that asset. The CEO, Michael Slayer, is saying if they must, they will sell Bitcoin to raise the cash to pay the dividends and interest payments. The convertible bonds could also be problematic down the road as they are due in about 4.4 years on average and come with a combined interest rate of 0.421%. The stock itself has been pulverized, and its market cap has been as low as $49 billion from a high of $128 billion in July. MSCI has proposed cutting digital asset treasury companies from its indexes if crypto tokens make up a major part of the assets. This decision will come in a little over a month on January 15th and if this happens, Strategy could see $2.8 billion in passive outflows. JPMorgan estimates that about $9 billion of the company's market cap is tied to passive and index ETFs and mutual funds. This could put more pressure on the stock if more indexes also decide to remove these treasury companies. You won't believe how the company makes their profit and loss statement. When the price of Bitcoin rises, the company books a paper profit even if it did not sell any Bitcoin. Obviously, if Bitcoin goes down in value, they must book the losses as well. One must love the estimates for the earnings of Strategy for 2025. Strategy is expected to report a loss of $5.5 billion or a profit of $6.3 billion or something in between. That is some great guidance! I don't know where Bitcoin is going today, tomorrow or anytime in the future, but I would be sweating bullets if I held Bitcoin or Strategy in my clients' portfolios or my portfolio! Holiday shopping hits record levels! We continue to see conflicting data when it comes to the health of the consumer. They continue to say they don't feel good, but the hard data and the actual numbers remain quite strong. In a positive note from the National Retail Federation (NRF), an estimated 202.9 million consumers shopped during the five-day stretch from Thanksgiving Day through Cyber Monday. That is the largest turnout since data for the five-day period started being collected in 2017, and it easily tops last year's level of 197 million shoppers. Expectations for the period were also quite low considering the estimate was for just 186.9 million shoppers. While online shoppers increased 9% year over year to 134.9 million people, in-store shoppers still saw a nice increase of 3% to 129.5 million people. Adobe also provided sales data for the five-day period that indicated consumers spent $44.2 billion online, which was a 7.7% year-over-year jump. Black Friday in particular saw strong online sales as they totaled $11.8 billion and grew by 9.1% year over year. A big question here is if the shopping was done to capitalize on deals in an attempt to save money. That could be an indicator of a weaker economy, but I don't believe that's the full story as shoppers told NRF at the end of Cyber Monday that they had about 53% of their holiday shopping remaining, which was similar to a year ago. For the full holiday season, the NRF expects record sales of between $1.1 trillion and $1.2 trillion from Nov. 1 through Dec. 31. This would be the first time sales would top $1 trillion, and it would represent a 3.7% to 4.2% increase from the year-ago holiday period. Financial Planning: When Tax-Loss Harvesting Makes Sense and When It Doesn't Tax-loss harvesting is often promoted as a smart tax-saving strategy, but investors should understand its pitfalls before hitting the sell button. Selling a position at a loss may reduce taxes today, but it could also mean missing a rebound in that investment potentially costing more in lost gains than the tax benefit received. For example, if an investor buys a stock for $50,000 and harvests a $5,000 loss when the investment drops to $45,000, and they are in a 24.3% combined tax bracket (15% federal + 9.3% state), the tax savings is just over $1,200. That means the investment only needs to rise 2.7% to wipe out the benefit of harvesting, something that could easily occur during the required 30-day wash-sale waiting period. Even if the position doesn't rebound, repurchasing after 31 days locks in a lower cost basis, potentially increasing future taxable gains possibly in a higher tax bracket. Many investors, especially retirees with lower taxable income, are already in the 0% long-term capital gains bracket, meaning losses may not even be needed; a married couple in retirement could have income near $150,000 and still realize long-term gains tax-free. Tax-loss harvesting can still be valuable when losses are large in percentage terms, when it helps avoid a higher tax bracket or IRMAA surcharges, when offsetting short-term gains (which long-term losses can do), or when exiting a position you don't plan to repurchase. Companies Discussed: Weyerhaeuser Company (WY), Netflix, Inc. (NFLX), Energizer Holdings, Inc. (ENR) & Valvoline Inc. (VVV)
John Cole Scott, President of CEF Advisors, looks at tax-loss selling season and whether it has started yet, noting that a few asset classes have largely been able to avoid situations where there will be widespread harvesting this year, while others (most notably business-development companies) may be poised for a lot of tax-driven reshuffling before year's end. Scott, who is the chairman of the Active Investment Company Alliance, also answers some questions on the value of tax-loss harvesting if it means selling a fund you like, and how he recognizes yield traps and spots big discounts that are poor buying opportunities.
This is the 250th episode of the Money Meets Medicine podcast! What better way to celebrate than to talk about Jimmy's financial journey over the last 8 years since finishing training. In this episode, Jimmy shares some of his family's personal financial milestones and some recent financial wins, including a big tax loss harvesting event. Topics discussed on the show:Paying off student loansJimmy's family's Net WorthHighlighting key financial principles like avoiding the Diderot Effect and leveraging compounding interest. The Big Tax Loss Harvesting event involving Bitcoin.Looking to get started on your own bitcoin journey? Download Jimmy's Beginner's Guide to Bitcoin here: https://moneymeetsmedicine.com/bitcoinNeed disability insurance but not sure who to trust? Go with the only disability company that works exclusively with physicians (and has an unexpected denial rate https://moneymeetsmedicine.com/update Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Tax-managed equity has evolved beyond the traditional long-only playbook. By adding selective shorts and leverage, 130/30 active extension strategies aim to unlock higher alpha while maintaining market-level beta—plus potentially meaningful after-tax benefits through disciplined loss harvesting. Where can this approach fit in portfolios today? On this episode of Disruptive Forces, host Anu Rajakumar speaks with Ray Carroll, CIO of Neuberger Berman's Breton Hill quantitative investing team, and Jacob Greene, Head Strategist for Custom Direct Investing, to demystify 130/30 tax-managed portfolios and where they work best—from diversifying single-stock concentrations to preparing for large taxable events, with global considerations beyond the U.S. This communication is provided for informational and educational purposes only and nothing herein constitutes investment, legal, accounting or tax advice, or a recommendation to buy, sell or hold a security. Information is obtained from sources deemed reliable, but there is no representation or warranty as to its accuracy, completeness or reliability. This communication is not directed at any investor or category of investors and should not be regarded as investment advice or a suggestion to engage in or refrain from any investment-related course of action. Neuberger Berman is not providing this material in a fiduciary capacity and has a financial interest in the sale of its products and services. Investment decisions should be made based on an investor's individual objectives and circumstances and in consultation with his or her advisors. All information is current as of the date of this material and is subject to change without notice. Any views or opinions expressed may not reflect those of the firm as a whole. Neuberger Berman products and services may not be available in all jurisdictions or to all client types. This material is not intended as a formal research report and should not be relied upon as a basis for making an investment decision. The firm, its employees and advisory accounts may hold positions of any companies discussed. This material may include estimates, outlooks, projections and other "forward-looking statements." Due to a variety of factors, actual events or market behavior may differ significantly from any views expressed. Investing entails risks, including possible loss of principal. Indexes are unmanaged and are not available for direct investment. Past performance is no guarantee of future results. This material is being issued on a limited basis through various global subsidiaries and affiliates of Neuberger Berman Group LLC. Please visit www.nb.com/disclosure-global-communications for the specific entities and jurisdictional limitations and restrictions. The "Neuberger Berman" name and logo are registered service marks of Neuberger Berman Group LLC. © 2025 Neuberger Berman Group LLC. All rights reserved.
Is your financial strategy ready for the year-end crunch? Discover overlooked retirement moves, new catch-up contribution rules, and smart tax tactics that could help you keep more of your money. Financial advisor Abe Abich breaks down essential steps for maximizing retirement plans, meeting required minimum distributions, and leveraging Roth conversions and tax loss harvesting before the calendar flips. Whether you’re planning for retirement or just want to tidy up your financial “junk drawer,” this episode delivers practical insights for a stronger financial finish. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
Your portfolio might be due for an end-of-the-year cleanup. The Morningstar US Market Index is up about 15% through mid-November 2025, and overall performance has been strong for years (even after 2022's down market). That said, some stock sectors have performed significantly better than others, and performance can vary widely even within a sector. That could mean you'relikely holding some winners and some losers. Tax-loss harvesting could help trim your tax bill to save some money. While you're tuning up your portfolio, it could also be a good opportunity to bring your asset allocation back into balance. Morningstar portfolio strategist Amy Arnott is here to explain how to pull off both strategies.How to Rebalance Your Portfolio in a Lofty Market https://www.morningstar.com/portfolios/how-rebalance-your-portfolio-lofty-marketOn this episode:00:11 Welcome01:03 What is tax-loss harvesting, and how does it work?01:41 Is a brokerage or retirement account better suited for tax-loss selling? Why?02:12 The US stock market has experienced solid growth so far in 2025. Do up markets make it harder to spot losses?02:52 Why is tax-loss harvesting still a good strategy even when times are good?03:32 Where can investors find losses to offset gains in their portfolio this year? Let's start with stocks.04:33 And what about mutual funds and ETFs?05:17 Can you explain what wash-sale rules are, and how to play by the IRS' rules?06:39 What are some other strategic ways to take advantage of the losses?07:55 In the spirit of tuning up our portfolio, this might be a good time to rebalance. How does that work, and why can it be an emotional challenge sometimes?09:14 The 60/40 portfolio might need rebalancing. What's happened over the past decade?09:43 And what about growth versus value and US versus international stocks?10:44 What are a few tips on how to restore balance to a portfolio? 12: 48 What is the takeaway for taking this time of year to do tax-loss harvesting and rebalancing? Watch more from Morningstar:Bond ETFs Are Surging in Popularity in 2025. Here Are 5 of the BestInvestors Still Need to Mind the Gap in Their Funds' ReturnsThe US Dollar Is Weak. Is Your Portfolio at Risk? Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss four powerful tax strategies you can start looking at now to lower your 2025 tax bill and create more long-term flexibility in retirement. They unpack the difference between simple tax filing and true tax planning, walking through how proactive tax projections, IRA tax planning, and coordinated strategies can help reduce taxes over your lifetime—not just this year. You'll hear how their team uses a comprehensive tax checklist and planning process to help you secure your retirement and avoid costly surprises.Listen in to learn about practical ways to reduce taxes, from Qualified Charitable Distributions (QCDs) and Donor Advised Funds to Tax Loss Harvesting inside a Direct Indexing strategy, and long-term Roth conversion planning. Whether you're focused on charitable giving strategies, concerned about Medicare IRMAA surcharges, or just looking for tax savings tips and ideas on how to save on taxes in retirement, this episode will help you think beyond April 15 and build a smarter, more intentional retirement tax plan.In this episode, find out:· The key difference between tax filing and true tax strategy—and why tax moves to lower your 2025 bill must be done before December 31.· How Qualified Charitable Distributions (QCDs) can lower your taxable income, satisfy Required Minimum Distributions (RMDs), and help you avoid Medicare IRMAA surcharges.· Ways a Donor Advised Fund can “bunch” charitable giving, turn what you were already going to give into a bigger deduction, and enhance your overall charitable giving strategies.· How a Direct Indexing strategy with ongoing Tax Loss Harvesting can create “tax alpha,” making your brokerage account more tax-efficient and reducing capital gains over time.· Why a multi-year Roth conversion plan—guided by tax projections—can dramatically lower lifetime retirement taxes for you and your heirs, and support a more confident retirement planning and retiring comfortably strategy.Tweetable Quotes:“Real tax planning is not about what happened last year—it's about using tax projections and tax strategies today so you can decide how and when you want to pay taxes over your lifetime.” — Murs Tariq“When you combine tools like Qualified Charitable Distributions, Donor Advised Funds, tax loss harvesting, and Roth conversions, you're not just checking a tax box—you're building a coordinated tax plan that can help you save on taxes and truly secure your retirement.” — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!"To access the course, simply visit POMWealth.net/podcast.
Wall Street noise is loud—Barry Ritholtz shows you How Not to Invest. In this episode, we cut through models, headlines, and hype to focus on the few decisions that actually compound. Barry shares a practical framework for decision-making grounded in behavioral finance: why models are “wrong but useful,” how to build a checklist to filter signal from noise, and why broad indexing should anchor most portfolios. We dig into direct indexing for tax management, the attention economy's impact on investors, and the real effects of tariffs and Fed timing on markets and Main Street. He also maps the “two businesses” every investor must master: deploying capital quietly for decades and consuming information without getting captured by clickbait. If you're curious about AI's productivity boost, global mean reversion beyond the U.S., and realistic expectations after back-to-back strong years, this conversation is for you. By the end, you'll know How Not to Invest—and what to do instead.Connect with Barry Ritholtz: hownottoinvestbook.com Chapters:00:00 – Introduction02:32 – “All models are wrong, some are useful” & avoiding media-driven fear16:21 – Wealthy vs. middle-class planning: indexing, direct indexing, tax loss harvesting20:19 – AI's real impact on advisors, workflows, and productivity24:46 – Where are the opportunities? U.S. vs. developed ex-U.S., mean reversion35:14 – Rates, the Fed, soft landing probabilities & realistic return expectations49:33 – Gino wraps it up We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)
Episode 614: Learn from Zach and Justin how savvy investors use tax-loss harvesting to offset taxes today and build wealth for tomorrow. Then, discover five key money conversations that can help families prepare for aging parents with clarity, confidence, and peace of mind.
Ready to rethink retirement? Discover why your golden years can be the most dynamic chapter yet, as Abe Abich dives into the “second phase” of financial life. He breaks down essential year-end moves—from maximizing contributions to tax strategies—and reveals how to get your 401k working harder for you. Whether you’re consolidating accounts or planning charitable giving, this episode delivers practical insights for anyone approaching retirement. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
Confused by all the retirement advice out there? Mike Douglas kicks off with holiday planning and family milestones, then dives into the “three worlds of money”—Wall Street, banks, and insurance—and unpacks how tax loss harvesting can help balance your financial future. Get clear, practical insights to help you navigate retirement choices and avoid common pitfalls. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.
In this episode of Beer and Money, Ryan Burklo discusses tax loss harvesting, a strategy to reduce taxes by selling investments that have lost value. He explains the mechanics of tax loss harvesting, its benefits, and the importance of working with financial professionals to align tax strategies with personal financial goals. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #taxlossharvesting #investmentstrategy #taxreduction #financialplanning #capitalgains #stockoptions #diversification #familygoals #CPA #financialadvisor Takeaways Tax loss harvesting is a strategy to lower your taxes. Selling investments at a loss can reduce taxable income. It can offset profits from other investments. Employees with stock options can benefit from tax loss harvesting. Diversifying concentrated stock holdings can be tax-efficient. Selling losses can hedge against future taxes. Maximizing tax savings is vital for family goals. Consulting with a CPA is essential for tax strategies. Aligning financial and tax planning is crucial. Understanding your tax situation can influence investment decisions. Chapters 00:00 Introduction to Tax Loss Harvesting 01:59 Understanding Tax Loss Harvesting 02:57 Reasons for Tax Loss Harvesting 04:51 Consulting Professionals for Tax Strategies
What would you do if you suddenly won the lottery or inherited a fortune? In this episode, Art McPherson unpacks the realities of windfall wealth, the pitfalls of poor planning, and the smart moves for protecting your legacy. From trust strategies and college savings to tax loss harvesting, discover how to make your money last and avoid costly mistakes. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! Is your retirement strategy built to weather market storms and tax surprises?In this episode, Nolan Baker breaks down the critical elements of retirement planning—from personalized withdrawal strategies to the hidden risks of the 4% rule. You’ll hear why tax loss harvesting can be a game-changer and how September’s market history might influence your next move. With retirement on the horizon, understanding how to protect your portfolio becomes more urgent than ever. Whether you're already retired or planning, this conversation offers grounded insights to help you think smarter about your financial future. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.com See omnystudio.com/listener for privacy information.
This week's show covers what to do with lower short-term rates, tax-loss harvesting, portfolio weightings, gifting, emails, and more!
We examine how robo-advisors have evolved over the past decade to determine if their services justify the fees they charge.Topics covered include:How large are the top 5 robo-advisorsRobo-advisor feesRobo-advisor holdingsWhy robo-advisors are turning toward direct indexing for tax loss harvestingHow much excess return does tax loss harvesting generateWho can benefit from using robo-advisorsSponsorsAsset CampLinkedIn Jobs – Use this link to post your job for free on LinkedIn JobsInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesThe Tax Benefits of Direct Indexing, and How They Are Affected by the Biden Tax Plan by Nathan Sosner et al.—SSRNAn Empirical Evaluation of Tax-Loss Harvesting Alpha by Shomesh Chaudhuri et al.—SSRNRelated Episodes398: When Should You Hire An Investment Advisor? Two Case Studies92: What Robo-Advisors RecommendSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this video, I share my experience attending a free dinner investment seminar. The seminar was allegedly to help investors handle volatility in the markets. Instead, it turned out to be a sales pitch for expensive, complex investing products like a leveraged options strategy.Here are links to the resources I mention in the video:SPIVA Report: https://www.spglobal.com/spdji/en/res...Concentration of SP500: https://www.visualcapitalist.com/sp/v...Vanguard Lont-Term Bond Fund: https://www.morningstar.com/funds/xna...Paper on Tax Loss Harvesting: https://papers.ssrn.com/sol3/papers.c...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...
What does it really take to manage $10M+ in today's uncertain environment? In this episode, Jeannette Friedrich is joined by Samuel Harnish, founder of Quantitative Financial Strategies and former investment committee member of a billion-dollar multifamily office. With deep insight into both institutional investment research and personal wealth advising, Samuel shares how high-net-worth individuals can optimize taxes, reduce public market risk, and smartly access alternatives. Whether you're considering a wealth manager or want to understand what top-tier planning actually looks like, this episode brings rare, insider-level clarity. Key Takeaways: - Why Samuel left institutional asset management to start a boutique wealth firm focused on client outcomes - How affluent investors can benefit from tax-loss harvesting strategies once exclusive to billion-dollar family offices - The role short-selling plays in accelerating capital loss harvesting for liquidity events - How advancements in custodial technology have opened the door to more personalized, tax-efficient strategies - The case for private real estate with long hold periods, cost segregation, and 1031 exchanges to defer taxes - Why diversification across private markets is no longer optional—but must be executed carefully - A candid take on illiquid “luxury” assets like art and collectibles—and whether they really protect wealth - The one foundational difference between wealth management for individuals and for family offices - How wealth perception can be distorted by primary residence values—and why liquidity matters more than vanity metrics - Why Samuel believes social media (used strategically) can be one of the best tools for building an extraordinary life This episode is a must-listen for anyone serious about preserving and growing wealth in today's evolving financial landscape. Samuel Harnisch https://www.linkedin.com/in/samuelharnisch Timestamps 00:00 Introduction to Wealth Management 00:27 Meet Samuel Harnish 01:47 Starting a Wealth Management Firm 03:14 Investment Strategies and Market Insights 04:53 Tax Strategies and Private Markets 18:06 Lightning Round and Conclusion Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *
The Dentist Money™ Show | Financial Planning & Wealth Management
How does tax-loss harvesting help lower your taxes? What are some of the wash sale rules? How does my stress relate to building liquidity? On this listener Q&R (Question and Response) episode of the Dentist Money Show, Matt and Ryan answer some financial questions posed by our member of the Dentist Advisors' Facebook Discussion Group. Tune in for some tax tips, stress-reducing strategies, and financial planning insights every dentist should know. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.
Brandon West, CPA walks you through various tax planning strategies to help you keep more of your hard-earned money. Today, I'm going to cover one of our more complex topics we've discussed: tax-loss harvesting through Separately Managed Accounts (SMAs). Let's dive into one of the tools of the ultra high net worth individual, where investments are separately managed in a brokerage account designed to capture losses to offset other income, without increasing risk exposure or sacrificing diversification. Have a question or topic you want to hear covered in a future episode? Send us a direct message here: Contact - West & WaltersWant to talk to a professional investment advisor, or schedule your FREE financial planning meeting? Schedule A Call - West & Walters
On this week's Money Matters, Scott and Pat explore the benefits of tax-loss harvesting during volatile markets. Then, they're joined by Simone Devenny, Head of Private Wealth Strategies at Allworth, to dive into key financial strategies for entrepreneurs and business owners, including tax optimization, estate planning, and succession strategies. Finally, they answer listener questions on topics like lump-sum payments, Direct Indexing, and how to manage tax-deferred savings. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders 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.
Influenza. It's a word that sounds ominous when you don't know what it means. To a physician like you, influenza is nothing more than the average flu, but to a patient, it may sound scary. Does tax-loss harvesting sound extreme or even dangerous to you? Listen in as Nate Reineke and Ben Utley explain what tax-loss harvesting is and how your colleagues are using it right now to save taxes. We answer some other questions you may have asked yourself. Market volatility: An ER/ crit care doc in Massachusetts asked for some thoughts about the market downturn, specifically regarding investment strategies, noting how difficult it is to see 60k in retirement savings gone in a few weeks. 457 plans: A cardiologist in Oregon is facing a tough situation with their workplace being acquired. They want to know what to do with a non-governmental 457(b) that must now be distributed. Home loans: A Colorado cardiologist is house shopping and wants to find that perfect home. Since the process may take a while, he is waiting to list his current house and is curious about other financing options that don't rely on the sale proceeds. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match, visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures
Influenza. It's a word that sounds ominous when you don't know what it means. To a physician like you, influenza is nothing more than the average flu, but to a patient, it may sound scary. Does tax-loss harvesting sound extreme or even dangerous to you? Listen in as Nate Reineke and Ben Utley explain what tax-loss harvesting is and how your colleagues are using it right now to save taxes.We answer some other questions you may have asked yourself. Market volatility:An ER/ crit care doc in Massachusetts asked for some thoughts about the market downturn, specifically regarding investment strategies, noting how difficult it is to see 60k in retirement savings gone in a few weeks. 457 plans: A cardiologist in Oregon is facing a tough situation with their workplace being acquired. They want to know what to do with a non-governmental 457(b) that must now be distributed. Home loans:A Colorado cardiologist is house shopping and wants to find that perfect home. Since the process may take a while, he is waiting to list his current house and is curious about other financing options that don't rely on the sale proceeds. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match, visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures
In this value-packed episode of Financial Detox, Jason Labrum and Alex Klingensmith team up to tackle a topic that's on everyone's mind this time of year — TAXES!
#222: Discover how paying taxes with a credit card can unlock huge rewards—or even turn a profit. Chris also shares how he's handling the current market decline and shares practical tips for teaching kids about money, stacking card-linked offers, and using VPNs for big savings. Link to Full Show Notes: https://chrishutchins.com/pay-taxes-with-credit-card-2025-musings Partner Deals Facet: Personalized Financial Planning + $250 enrollment fee waived Storyworth: Share your mother's stories in a custom book (+ $10 off) Vuori: 20% off the most comfortable performance apparel I've ever worn Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth LMNT: Free sample pack of my favorite electrolyte drink mix For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Cards Best Cards Page 100k Welcome Bonus Offer IRS Authorized Payment Providers: Pay1040 | ACI Payments Business Payment Platforms: Plastiq | Melio Flight Tracker: Flighty CardPointers Pro: 30% off here Rakuten: $30 bonus here Savewise: 20% off with ALLTHEHACKS20 Kudos: $20 bonus here Hyatt Offer: $100 Off Peloton NordVPN Ben Carlon's Chart: 31 Years of Stock Market Returns Wealthfront: Get $5k managed free and get a 0.5% APY boost ATH Podcast Ep #59: Save Money, Build Wealth and Just Keep Buying with Nick Maggiulli Ep #194: The Simple Path to Wealth and FU Money with JL Collins Newsletter Deals Page Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:20) Quick Reminder About Upcoming Tax Payments (03:39) Why and When You Should Pay Taxes on Your Credit Card (08:08) Paying Taxes on a Credit Card to Leverage Welcome Offers (09:22) How to Maximize a Credit Card Welcome Bonus of 100K (13:26) Three Tips from a Recent Trip to Colorado (18:39) A Great Way to Teach Kids About Money and Make a Profit (22:13) Stacking Offers to Get 30% Off Peloton Bikes (28:07) How to Use a VPN to Find Better Deals (29:55) Why It Might Be Cheaper to Pay with Different Currencies (31:52) The Recent U.S. Stock Market Decline (38:53) Chris' Personal Strategy for the 10% Market Drop (40:50) The Importance of Diversifying Your Portfolio (42:12) Tax Loss Harvesting and Why It's a Good Time to Consider It Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices
On this week's Money Matters, Scott and Pat examine the complexities of financial planning during uncertain market conditions. Then, they take calls about direct indexing, explaining the potential benefits and downsides to help you decide if it's the right choice for your portfolio. Plus, they offer guidance on the timing of Social Security withdrawals, tax-loss harvesting for bonds, and the strategic use of Roth conversions, to ensure you make the most of your retirement savings. 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.
Strategies that work - Tax Loss Harvesting - Berkshire back to all time highs and what beaten down stocks are best to buy now? Get the Top 10 stocks of 2025 from Seeking AlphaLimited Time offer on Trendspider - 2 week trials now - you won't get my tools until you sign up for a yearly plan, but it's a perfect time to try out Trendspider for less than $20 1. 10 prompts to turn an AI in to a personal wall street advisor 2. Trendspider $SPY strategy - 80% return over 10 years to avoid dips3. Tax Loss Harvesting - not just for the end of the year4. Alpha Pick scalping example - pay for the subscription with this strategy 5. Berkshire - all time highs and not extended6. NIVDIA GTC day and Quantum Day - BIG NEWS7. Best beaten down stocks to buy now 8. $TSLA - why I'm worried 9. What stocks today can turn $5k in to $1,000,000?10. Commodities I like - they are beating $SPYTRENDSPIDER SALE - best offer available -https://linktr.ee/dailystockpick Sign up at the top link (use code DSP25 if prompted) Email me at dailystockpick3@gmail.com I'll send you all the algorithms, watchlists and scanners that you see me use each and every day.Social Links and more - https://linktr.ee/dailystockpick SEEKING ALPHA BUNDLE - save over $150 SEEKING ALPHA PREMIUM - my $30 off coupon for a limited time Watch this episode on YouTube with video to see how Steve from Seeking Alpha uses the tool to navigate on picking stocks. Want to beat the S&P? Sign up for Alpha Picks here.FREE NEWSLETTER WITH CHARTS - subscribe at dailystockpick.substack.com
Is direct indexing the right investment strategy for you? In this episode, Shawn Jaberzadeh, Co-Head of Enterprise Group at Dimensional Fund Advisors, breaks down how direct indexing works and when it might be a better fit than off-the-shelf investment options. We explore the key differences between standard and aggressive tax management, the role of separately managed accounts (SMAs), and how tax loss harvesting can impact your portfolio. Take The Pilot Wealth Index to find out if you are on track for retirement! You can find show notes, resources and more at: https://tinyurl.com/y62e97hb
Send us a textWhat if you could offset your investment gains by strategically selling at a loss—are you making the most of your tax-saving opportunities? In this episode, Mike explains the tax strategy of tax loss harvesting, which involves selling investments at a loss to offset gains in other areas, ultimately reducing tax liability. The episode covers how to execute this strategy, the wash sale rule, and common mistakes to avoid. Key points include understanding the wash sale rule, which prevents the deduction of a loss if the same or substantially identical stock is repurchased within 30 days. The host also discusses how to maximize the benefits of tax loss harvesting while being strategic and mindful of its limitations.[00:00 - 05:21] Introduction to Tax Loss HarvestingMike introduces tax loss harvesting as a way to save money by offsetting capital gains with losses.Tax loss harvesting allows investors to turn investment losses into tax-saving opportunities.[05:22 - 10:55] How Tax Loss Harvesting Works and The Wash Sale RuleMike explains the mechanics of tax loss harvesting, including offsetting capital gains and ordinary income up to $3,000 per year.The wash sale rule is introduced as a key consideration in tax loss harvesting.Buying the same security in an IRA within 30 days of selling it in a taxable account also triggers the wash sale rule.[10:55 - 14:30] Avoiding the Wash Sale RuleMike explains the implications of buying back the same investment after the 30-day period and how this can be an effective strategy.After 30 days, it's safe to buy back the asset without triggering the wash sale rule.Another strategy is simply waiting out the 30-day period to repurchase the asset.[14:31 - 16:00] Common Mistakes and Considerations in Tax Loss HarvestingMike shares some common pitfalls, such as neglecting to account for the wash sale rule or selling investments too hastily without considering the long-term implications.He advises listeners to work closely with tax professionals when engaging in tax loss harvesting to maximize its effectiveness.Direct Quotes:"Smart investors know how to turn losses into gains—into tax-saving opportunities." - Mike Jesowshek, CPA"You can't just sell and buy the same stock back right away without triggering the wash sale rule." - Mike Jesowshek, CPA______Podcast Host: Mike Jesowshek, CPA - Founder and Host of Small Business Tax Savings PodcastJoin TaxElm: https://taxelm.com/-------Podcast Website: https://www.TaxSavingsPodcast.comFacebook Group: https://www.facebook.com/groups/taxsavings/YouTube: www.TaxSavingsTV.com
Welcome to a transformative episode where we delve into year-end financial strategies to optimize your retirement planning. Join us as we discuss tax-loss harvesting with Erin Coe, a seasoned planner and tax expert. Learn how to strategically sell capital assets at a loss to reduce your tax burden and explore the nuances of capital gains, wash-sale rules, and more. Plus, we answer listener questions about Roth conversions and annuities. Don't miss this insightful guide to maximizing your financial health!PRACTICAL PLANNING SEGMENT(00:25) Today on the show we begin to explore year-end action items.(02:23) So now that we're into tax season, we're going to do a primer on tax-loss harvesting with Erin Coe.(03:59) Tax-loss harvesting is the act of intentionally selling capital assets at a loss(05:25) Defining what a capital loss is(08:42)The intent is to reduce taxable income and reduce taxable liability (10:12) How do you gauge the impact of this?(13:34) Leave some buffer room to be careful on tax cliffs(15:35) The wash-sale rule means you can't sell a capital asset and claim that loss and then repurchase it within 30 days(21:27) What are some gotchas that we need to watch out for when evaluating portfolios?(22:24) Another problem is those carry forwards, you need to track it every year whether you are using it or not.(26:40) Tax loss harvesting is not just a December activity, it's a year-round sportLISTENER QUESTIONS(28:05) Greg asks a question about Roth conversions for his older relative(34:24) Stanley says his wife has a taxable MYGA, multi year guaranteed annuity, and wants to know if he should take the lump sum or roll it into something else.(40:28) Jay asks about the pie or bucket approachSMART SPRINT(46:50) Review your after-tax accounts looking for unrealized losses and examine whether you can use them productively Join our live event on Roth conversions at livewithroger.com or sign up for the replay at sixshotsaturday.com.REFERENCES Dinkytown.netTurbo TaxRetirement Podcast NetworkSix Shot SaturdayRetirement Answer Man
#191: Grow your wealth and build a resilient portfolio by making smarter decisions with these 11 investing lessons. Financial advisor Ben Carlson and I share actionable insights on managing risk, overcoming psychological barriers in investing, and the power of simplicity and diversification to ensure long-term, fulfilling financial success. Ben Carlson is the Director of Institutional Asset Management at Ritholtz Wealth Management and the author of four books on investing and personal finance. He runs the popular blog A Wealth of Common Sense, where he shares insights on financial markets and investing strategies. Ben also co-hosts Animal Spirits, one of my favorite podcasts. Link to Full Show Notes: https://chrishutchins.com/ben-carlson-money-lessons Resources Mentioned Ben Carlson: Website | Animal Spirits Podcast | X 20 Lessons From 20 Years of Managing Money My All-Time High in Savings You Probably Need Less Money Than You Think For Retirement Wealthfront Risk Parity Fund | What is Risk Parity? JP Morgan: S&P 500 Market Concentration Chart Fractional Vacation Homes: Pacaso Paula Pant's Podcast: Afford Anything Safe Withdrawals: Free DIY Withdrawal Rate Toolbox | Safe Withdrawal Rate Series Study: Spending Habits of Retirees ATH Podcast Ep #41: Beating Inflation, Alternative Assets, and Simplifying Your Finances with Ben Carlson Ep #59: Save Money, Build Wealth and Just Keep Buying with Nick Maggiulli Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Ep #117: Navigating a High Rate Market: Buying a Home, Preparing for a Recession and Where to Put Cash with Ben Carlson Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth with Chris Doyl Ep #180: Stocks vs. Real Estate: What's the Best Investment to Build Wealth? Ep #186: 25 Money Rules (and When to Break Them) with Brian Feroldi Ep #189: Beyond the 4% Rule: Smarter Strategies for Financial Independence with Karsten Jeske Join our Newsletter Follow & Review on Apple Podcasts Email us for questions, tips, deals and feedback Full Show Notes (00:00) Introduction (02:30) Experience in Investing Is Not the Same as Expertise (03:24) Intelligence Doesn't Guarantee Investment Success (05:42) No One Lives Life in the Long Term (07:32) Experiences Shape Your Perception of Risk (10:12) The Biggest Risks Are Always the Same yet Different (13:29) Optimism Should Be Your Default (20:03) There Is No Such Thing as a Perfect Portfolio (22:31) Overthinking Can Be Just as Debilitating as Not Thinking at All (24:30) How to Think About a Simple Portfolio with International Exposure (26:17) Less Is More (30:17) Ways to Reduce Overthinking (32:02) Tax Loss Harvesting vs. Direct Indexing (39:02) Why Ben Wrote a Post on 20 Money Lessons (40:11) Lesson #10: There Is a Big Difference Between Rich and Wealthy (43:37) The Reason Ben and Chris Invested in Holiday Homes (48:27) What's a Reasonable Amount to Save? (51:29) You Probably Need Less Money Than You Think for Retirement (56:47) The Final Biggest Takeaway Connect with Chris Newsletter | Membership | Twitter | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
#189: Learn to master retirement market risks and safe withdrawal rates with finance expert Karsten Jeske. We explore key strategies like the 4% rule, sequence of return risk, and delve into roles of taxes, annuities, inflation protection, portfolio allocation, and even the psychological aspects of retirement planning. Karsten Jeske is the founder of Early Retirement Now, a blog where he shares his expertise in retirement planning, safe withdrawal rates, and financial independence. He has a PhD in economics and is a Chartered Financial Analyst. Link to Full Show Notes: https://chrishutchins.com/how-to-retire-early-karsten-jeske Partner Deals MasterClass: Learn from the world's best with 15% off Bilt Rewards: Earn the most valuable points when you pay rent Daffy: Free $25 to give to the charity of your choice DeleteMe: 20% off removing your personal info from the web Fabric: Affordable term life insurance for you and your family For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Karsten Jeske: Blog | X | LinkedIn Safe Withdrawal Rate Series Part 14 & Part 15: Sequence of Return Risk Part 28: Free DIY Withdrawal Rate Toolbox Part 35: Asset Location Part 43: Pre-Retirement Glidepaths Part 61: Safety First Blog Post: Stealth Frugality Shiller CAPE Ratio Alpha Architect 1-3 Month Box ETF: BOXX Blog For Tax Optimization: Go Curry Cracker ATH Podcast: Ep #2: Financial Independence Without a Six Figure Salary with Brad Barrett Ep #141: The Spectrum of Financial Independence and Tools to Track Your Progress with Brad Barrett Follow & Review on Apple Podcasts Email us for questions, tips, deals and feedback Full Show Notes (00:00) Introduction (02:00) Should Everyone Retire Early? (05:09) The Rule of 4% as a Guideline (09:46) The Role of Longevity in the 4% Rule (12:46) Using Historical Data for Retirement Simulations (19:11) Sequence of Return Risk: What It Means & What to Do About It (23:51) Strategies to Mitigate the Sequence of Return Risk (30:41) The Flexibility of Safe Withdrawal Rates (37:49) How to Adjust Withdrawal Rates Based on Current Market Conditions (45:53) The Reverse Glide Path Strategy (49:30) The Impact of Inflation on Retirement Planning (57:03) Evaluating Annuities (59:40) Ways to Consider Tax Optimization Strategies (1:04:29) How to Think About Portfolio Allocation During Accumulation (1:12:25) The Role of International Diversification in Equity Allocation (1:16:57) Karsten's View on Tax Loss Harvesting (1:20:34) Asset Location (1:22:35) Is Adding Leverage to Your Equity Worth It? (1:26:41) Advice for Someone Early in the Accumulation Phase (1:28:27) Stealth Frugality (1:29:39) How Do People Spend During Retirement? Connect with Chris Newsletter | Membership | Twitter | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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