Cele mai bune Real Money Pros podcast-uri (2024)

1
Tax-Efficient Withdrawal Strategies & Planning Through Volatility (10/12/2024) 1:21:49

21d ago1:21:49

1:21:49

Jeremiah and Brian explore essential financial strategies for retirees navigating today’s unpredictable economic landscape. We discuss handling stock market volatility through diversification and risk tolerance, as well as optimizing tax-efficient withdrawal strategies from retirement accounts to minimize taxes and manage required minimum distribut…

1
Fourth Quarter Moves, CTA, & Critical Global Events (10/5/2024) 1:21:40

28d ago1:21:40

1:21:40

It’s October, so now is the time to discuss end-of-year tax planning for business owners. The team emphasizes the importance of organizing your books, categorizing expenses correctly, and maximizing deductions before December 31st. CPA Stephanie Helms also shares insights on tax projections to help you save money. Stephanie also breaks down the Cor…

1
Reporting Beneficial Ownership & Asset Protection Tips (9/28/2024) 1:21:44

1M ago1:21:44

1:21:44

This last Saturday, Brian and Jeremiah were joined by attorney Steve Rausch to dive into some critical financial topics for business owners and families. First, they explored the new FinCEN Beneficial Ownership Reporting Requirements. Starting January 1, 2025, businesses must report their beneficial ownership to the Treasury Department to combat ta…

1
Inflation's Soft Landing & Rate Cut Opportunities (9/21/2024) 1:21:20

1M ago1:21:20

1:21:20

In this episode, we dive into the implications of the Federal Reserve's recent 0.5% interest rate cut, examining how it affects the economy, inflation, and financial products like loans and savings accounts. We also tackle the rising costs of living due to inflation, focusing on how essentials like groceries and auto insurance impact consumers dail…

1
Can Young Adults Thrive Without Parental Support? (9/7/2024) 41:26

2M ago41:26

41:26

With the rising cost of living, can young adults cover essentials like rent, food, and bills without relying on parental support? In this episode, we dive into the financial independence of young adults in today's challenging economic climate and compare it to previous generations. The conversation also sheds light on the reality of low starting wa…

1
Interest Rates, Fixed-Income, & Nvidia (8/31/2024) 1:21:42

2M ago1:21:42

1:21:42

Jeremiah and Alex explore the impact of Federal Reserve interest rate changes on fixed-income investments like CDs and bonds. As rates rise, CDs become popular, but reinvestment risks loom when rates fall... We also discuss the inverse relationship between interest rates and bond prices, guiding you on how to navigate this shifting terrain. Next, w…

1
Company Stock in a 401(k), Early Retirement Withdrawals, & IRS Penalties (8/24/2024) 1:21:32

2M ago1:21:32

1:21:32

This Saturday, we start by exploring the tax-efficient approach of Net Unrealized Appreciation (NUA) for managing company stock within a 401(k), explaining how you can potentially lower your tax burden. We analyze the anticipated Federal Reserve rate cuts and their implications for different market sectors and your investment portfolio. Do you feel…

1
Tipping Culture, Opportunity Zones, & Minimizing Taxes (8/17/2024) 1:21:45

3M ago1:21:45

1:21:45

How much do you tip the waiter when they ask? On Saturday, we dove into the complexities of taxation for tipped employees, exploring whether tips should be taxed and how it impacts Social Security, FICA, and eligibility for tax credits and public assistance. We also discuss the potential benefits of investing in Opportunity Zones, areas designated …

1
Making Adjustments When Markets Are Volatile (8/10/2024) 1:21:41

3M ago1:21:41

1:21:41

In this episode, we dive into the complexities of market volatility and its impact on retirement planning, particularly for those approaching retirement. We discuss the recent market sell-off, its global roots, and the implications for the 401(k) accounts of those nearing retirement. You'll learn about the carry trade strategy and how it influences…

1
Investment Mistakes When Using IRAs (KFBK - 8/3/2024) 41:29

3M ago41:29

41:29

Jeremiah Bates runs solo to break down asset allocation vs. asset location: diversification vs. location. He also compares Roth IRAs and traditional IRAs, focusing on tax advantages and when to use each, including backdoor Roth IRA strategies for high-income earners. Tackling market volatility, he discusses the stock market's unpredictable nature a…

1
Balancing Portfolios During Political Disruption (8/3/2024) 1:21:32

3M ago1:21:32

1:21:32

We dive into the recent market volatility influenced by key economic indicators like jobs reports, leading to a shift from equities to bonds. We also discuss various investment strategies, emphasizing the importance of a balanced portfolio, the potential risks in tech stocks, and the nuances of speculative trading with options. We also explore how …

1
Rate Cuts: Macro Economics vs. Personal Finance (7/27/2024) 1:21:37

3M ago1:21:37

1:21:37

Recent GDP data shows higher-than-expected growth driven by robust consumer spending, suggesting a healthy economy… But does your personal finances feel the same way? Our discussion also covers the Federal Reserve's potential interest rate cuts amid moderating inflation and strong GDP growth, and their implications for the economy and stock market.…

1
Saving as a Business Owner: Why It's Unfair (7/20/2024) 41:02

3M ago41:02

41:02

In the second hour of last Saturday's show, Brian Wiley and guest Matt Nadeau, an advisor with Piershale Financial Group of Apollon, tackled retirement planning and tax management for small business owners. Brian criticized the uneven retirement savings options between large and small businesses, advocating for uniform deferral limits. They highlig…

1
Cybersecurity Crises and Impacts on Tech Sector (7/20/2024) 41:33

4M ago41:33

41:33

In this episode, Jeremiah Bates is joined by Ben Barzideh, a Wealth Management Advisor with Piershale Financial Group of Apollon. They discuss the recent CrowdStrike cybersecurity incident that occurred last Friday and its significant impacts on industries and the stock market. They emphasize the importance of diversification in investment portfoli…

1
Managing Retirement Before It Comes (6/29/2024) 1:21:38

4M ago1:21:38

1:21:38

Jeremiah and Nic explore crucial aspects of financial planning and retirement readiness. We emphasized the necessity of open dialogue about money matters and ensuring that financial decisions align with personal goals and needs. Our discussion covered diverse income sources for retirement, managing expenses within budget constraints, and addressing…

1
Trusts, Tax Implications, & Long-term Care Strategies (6/22/2024) 41:16

4M ago41:16

41:16

Jeremiah Bates and attorney Steve Rausch emphasize the significance of estate planning and the benefits of using trusts to manage assets, maintain control, and minimize tax implications. They compare the tax implications of gifting property versus transferring through an estate plan, stressing the importance of understanding cost basis and capital …

1
When to Make the S-Corp Election: Insights w/ Shahar Plinner (6/15/2024) 41:28

5M ago41:28

41:28

We are joined by Shahar Plinner, the CEO and founder of Formations, to delve into essential tax planning and business structuring strategies for small business owners. We discuss the significant benefits of transitioning to an S corporation, including reduced self-employment taxes and simplified financial management. Learn how Formations offers com…

1
How to Properly Protect Your Assets (6/15/2024) 41:26

5M ago41:26

41:26

In this episode of The Real Money Pros, host Brian Wiley and attorney Steve Rausch from Gravis Law explore key topics in estate planning and asset protection. Steve explains the differences between wills, which go through probate, and trusts, which can avoid probate if properly set up. They discuss the importance of titling accounts and designating…

1
Hedging U.S. Markets, Annuity Pitfalls, & Rule 72(t) (6/1/2024) 1:21:20

5M ago1:21:20

1:21:20

Brian and Jeremiah are back live to discuss recent market movements, emphasizing the Federal Reserve's efforts to manage inflation and the impact of the latest PCE data on interest rates. They cover various investment strategies, recommending dividend-paying stocks over conservative options like CDs, and critically examining fixed and indexed annui…

1
Generating Retirement Income with Three Buckets (5/18/2024) 1:21:38

6M ago1:21:38

1:21:38

In this episode, Brian Wiley rides solo and provides essential financial advice on generating income for retirement through a three-bucket strategy: cash for immediate needs, income for consistent revenue streams, and growth for long-term investments. The discussion includes tips on avoiding emotional investing, the benefits of index funds, and the…

1
Life Insurance & Trust-Based Planning (5/11/2024) 41:21

6M ago41:21

41:21

Happy Mother’s Day! In this weekend’s discussion, Brian Wiley and Jeremiah Bates highlight the critical role of life insurance in providing a safety net for loved ones during challenging times. They give tips for calculating the ideal coverage amount based on factors like income, lifestyle, and future financial needs. Additionally, they guys explor…

1
The Calculator Answer vs. Client Answer (5/4/2024) 1:21:22

6M ago1:21:22

1:21:22

Who's ready to retire? Most of us are ready mentally, but how about financially? Jeremiah Bates and Alex Lundgren share real-life client stories about individuals who didn't believe they were prepared for retirement, only to discover they were, and vice versa. The easiest way to set yourself up for that next step? Prepare an in-depth plan. They als…

1
Corporate Transparency, IRS Penalties, & Timeshare Troubles (4/20/2024) 1:21:21

7M ago1:21:21

1:21:21

Brian teaches us a good life lesson about paying your dues on time... If he had taken his own advice, he could have saved $8,000! Last Saturday, he was joined by fellow advisor Nic Daniels and attorney Steve Rausch to discuss the trickiness of filing taxes and the potential penalties for mistakes. Does Brian have a claim to avoid that large IRS pen…

1
Items Retirees Need to Know (4/13/2024 on KFBK) 41:15

7M ago41:15

41:15

Brian Wiley broadcasts from the suburbs of Chicago with fellow advisor, Ben Barzideh with Piershale Financial Group to dive deep into the world of investment methodologies, market volatility, retirement planning, and active money management. In this episode, they explore various investment approaches—from buy-and-hold to tactical strategies—highlig…

1
Strategic SS Planning & Tax Efficiency in Retirement (4/13/2024) 1:21:20

7M ago1:21:20

1:21:20

This past weekend, we welcomed fellow advisors and radio show hosts from Piershale Financial Group, based in Illinois. We began with advice on Social Security planning, discussing optimal benefit ages based on pension income, IRAs, and Roth conversions. We cautioned against over-reliance on pre-tax retirement accounts, advocating for diversificatio…

1
Can Your Family Live Without You? (4/6/2024) 1:21:22

7M ago1:21:22

1:21:22

Do you ever look at your yearly premiums paid for insurance and wonder why you even pay that much for something that may never happen? But what if it does? Brian and Jeremiah talk about risk management, but not the kind you mitigate within your investment portfolio. They discuss the importance of life insurance, explain the differences between whol…

1
The Tough Financial Conversations (3/30/2024) 41:27

7M ago41:27

41:27

In this Easter day show, Brian dives into the nuanced world of financial advising, focusing on the hurdles advisors encounter when approaching sensitive subjects with clients. He shares his personal experiences and insights on how advisors should navigate discussions about retirement risks, overspending, and faulty investment strategies. The roles …

1
Not WHAT You Invest, But HOW You Invest (3/23/2024) 1:21:21

7M ago1:21:21

1:21:21

Are you invested the right way? And we’re not talking about the actual investments that you hold, but rather the things that you do BEFORE you even invest a dollar. Brian and Jeremiah, focus on being tax-efficient, implementing insurance, and diversifying account titles. The key to successful wealth management is making sure all sides of the circle…

1
When Hairdressers Get a Real Estate License (3/16/2024) 1:21:14

8M ago1:21:14

1:21:14

This show focuses on the major news surrounding the litigation involving the NAR, the National Association of Realtors. If you’re unsure of what exactly is going on, we have Steve Rausch, an attorney with Gravis Law, explain what the class action lawsuit is and what it could mean for the NAR. Are 6% commissions fair for consumers to pay? We discuss…

1
Your Death Binder & Credit Score Woes (3/9/2024) 1:20:52

8M ago1:20:52

1:20:52

The rise in interest rates has already started to slow. In turn, we’ve seen an increase in home listings, but can buyers even afford the mortgages? Dave Perry with Guild Mortgage (formerly Academy Mortgage) joins the show to help talk about credit scores and how they are evaluated when applying for a mortgage. Can you still get a home with a low cr…

1
The New Age of Financial Scamming (3/2/2024) 1:21:03

8M ago1:21:03

1:21:03

Financial scams aren't anything new – they've been around for a while now. However, with the help of technology, their prevalence and complicated nature have only increased, especially with the progression of artificial intelligence. Have you been scammed before? We have! In the second hour, Jeremiah and Brian help to explain the basic workings of …

1
The Not-So-Simple Social Security System (2/24/2024) 1:21:24

8M ago1:21:24

1:21:24

All things Social Security! Okay – it may be a sort of boring topic, but navigating the Social Security system by yourself isn't as easy as you may think. Try getting to know all 2,700+ rules that apply! Alex Lundgren sits down with Jeremiah and gives some tips around Social Security filing strategies: implications of filing too early, spousal bene…

1
Taxes Top of Mind with Stephanie Helms (2/17/2024) 1:21:31

9M ago1:21:31

1:21:31

As we start to near the end of February, questions about tax-related items start to flood in for advisors and CPAs all around the nation. So what better time to bring in a tax expert? Our partner and friend, Stephanie Helms, joins us via phone to talk about tax topics that should be top of mind and answer any caller questions. How to properly take …

1
Tax Tactics, Emotional Bonds, & Inherited Treasures (2/10/2024) 41:12

9M ago41:12

41:12

In our first-ever live show for KFBK, we discuss the nuances of inheriting property, including the tax implications and gifting strategies. Brian and Jeremiah share heartfelt stories about emotional attachments to inherited items, offering guidance on whether to keep, sell, or gift them. Plus, we discuss the importance of establishing asset value, …

1
Leaving Legacies: Inheritance & Nostalgia (2/10/2024) 1:21:11

9M ago1:21:11

1:21:11

The year is 2074, and your grandkids just inherited your extensive Pokémon card collection... What should they do with it? Brian and Jeremiah spend most of the show talking about and taking calls surrounding the topic of inheriting items. If you've ever been left with something that you're just not quite sure what to do with, the guys give some ide…

1
Separating Politics from Portfolios (2/3/2024) 1:21:05

9M ago1:21:05

1:21:05

Jeremiah, Brian, and Steve Cilley navigate through economic trends and financial strategies. Contrary to past recession predictions, they discuss the importance of anchoring financial plans to personal goals, urging listeners not to let politics dictate their approach. Unraveling the true essence of portfolio rebalancing, the hosts delve into its s…

1
Economic Trends, Emotional Challenges in Business, & Roth IRA Strategies (1/27/2024) 1:21:22

9M ago1:21:22

1:21:22

In this episode, Jeremiah covers key economic topics like inflation moderation and interest rate policies, exploring their impact on investor sentiment. We also discuss the emotional aspects of selling a business and the growing influence of Artificial Intelligence in the restaurant industry. What industry is under attack next? We provide practical…

1
Crypto Spot ETFs & Taxing the Rich (1/20/2024) 1:20:57

10M ago1:20:57

1:20:57

The passengers aboard the Boeing airplane that had its door blow out during mid-flight are trying to sue the manufacturing company. Is it justified? Serial entrepreneur Steve Cilley sits with Brian and Jeremiah to talk about how he would approach the situation as a business owner. How do you retain customers after something like that? Now that cryp…

1
Crypto Spot ETFs Approved: Does Mainstream Equal Safe? (1/13/2024) 1:21:01

10M ago1:21:01

1:21:01

If you could go back in time and change your path in life, would you? The big news this week was the approval of Crypto Spot ETFs, allowing the masses to actually own cryptocurrencies like Bitcoin without having to open crypto-specific accounts. Now that it's going to be more accessible, is it appropriate for your long-term portfolio? Brian and Nic…

1
Are We Back Live or Is It A.I.? (1/6/2024) 1:21:16

10M ago1:21:16

1:21:16

WE ARE LIVE AGAIN, BABY! Happy New Year to everyone, and we hope you're as happy to have us back doing the show live as we are. Jeremiah and Brian start by talking about Boeing's most recent incident and the potential implications that could create for its stock. They discuss paying professionals for services, TSP rollovers, A.I., and much more. If…

1
New Year Predictions & Preparations (12/30/2023) 1:21:43

10M ago1:21:43

1:21:43

Every end of the year, we give our personal predictions for 2024; Everything from sector performance, real estate, and more. Plus, we review our last year's predictions! What did we get right and what did we get wrong? Let's just say Brian's pessimism of home builder stocks in 2023 was greatly proven wrong... Will crypto and tech rule 2024? Tax pla…

1
Rate Cuts & The Surge in A.I. (12/16/2023) 1:21:24

11M ago1:21:24

1:21:24

The DJIA hit record highs, and the Fed expects to cut rates... what a week! To start the first hour, Brian and Jeremiah mostly discuss lowered interest rates and how that should (or should not) affect your investment portfolio. Which investments perform best in times of lower interest rates? They also focus on investors looking to generate income t…

1
Employer Intricacies & Exiting Annuities (12/9/2023) 1:20:38

11M ago1:20:38

1:20:38

The labor market is not what it used to be. These darn kids just don't want to work anymore! Or maybe the issue is way more complicated than just that. Steve Cilley of Ataraxis PEO joins Jeremiah to discuss all things employment—things that employers and the self-employed need to pay attention to before the year is over and be sure to give it atten…

1
It's the Season to Give – Just Not to the IRS (12/2/2023) 1:21:34

11M ago1:21:34

1:21:34

In the first hour, Brian flies solo to talk about his most recent DIY investor mistake... Yes, even he makes mistakes! He explains what to do to prevent what he did and gives other tips on picking and buying companies during market pessimism. Who doesn't like buying things on sale? Jeremiah helps end the hour with a November market update – it was …

1
Corporate Corruption & Consumer Spending (11/25/2023) 41:27

11M ago41:27

41:27

We hope everyone enjoyed their Thanksgiving weekend! First, Jeremiah and Nic discuss the Corporate Transparency Act, legislation that was passed to enhance transparency in entity structures and ownership in order to prevent money laundering and other illegal business activities. Sounds great to prevent the funding of terrorism and other misuse of f…

1
Leveraging Options, Inheritance Strategies, & Getting Started (11/18/2023) 1:21:38

12M ago1:21:38

1:21:38

Understanding the concept of options and how they're used to leverage your position in a security can be confusing for many investors. Even more daunting to put them into action within your own portfolio! While Brian and Jeremiah don't go super far into the concept, they talk about when to use leveraging strategies and how to implement them safely.…

1
Secure 2.0 Updates, Spending Culture, & Tax Loss Harvesting (11/11/2023) 1:21:38

12M ago1:21:38

1:21:38

Jerome Powell's recent statements on Thursday ignite a debate on whether the Federal Reserve should slow down interest rate hikes, exploring the implications of their decisions over the last year. Jeremiah and Nic also cover Required Minimum Distributions (RMDs) and the updates from Secure Act 2.0, effective in 2024, detailing which accounts requir…

1
Income Generation, Divorce, & Account Fees (11/4/2023) 1:21:37

12M ago1:21:37

1:21:37

In this episode, we tackle the challenges of turbulent markets and difficult life events. Not everything is going to be a win! Jeremiah and Brian offer effective strategies to navigate these potential roadblocks. They also explore methods for generating stable income amidst market volatility, focusing on understanding bond yields and their impact o…

1
Financial Mentors & Estate Planning Strategies (10/28/2023) 1:21:41

1y ago1:21:41

1:21:41

We have successes and failures throughout the course of life, as is the same with our personal financial management. Brian highlights why we should all try to find a mentor to learn from when it comes to investing, especially for those that may have not have had that sort of education through their upbringing. What types of people to work with and …

1
The Cost of Waiting & Asset Allocation During Volatility (10/21/2023) 1:22:08

1y ago1:22:08

1:22:08

Our mortgage expert, Dave Perry, sits down with Jeremiah to discuss the current landscape of 20-year high mortgage rates. Can there still be homebuying opportunities? Dave explains why buying a home, even with near 8% interest rates, is better than not being in the market at all. He provides data to show that waiting any longer may be even more exp…

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