Was she the victim of foul play, an accident, or did she choose to disappear? In this episode of The Vanished, we retrace Diana’s last known movements, strange witness accounts, and the lingering mystery that has never been solved or.. was never meant to be solved.
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Το περιεχόμενο παρέχεται από το Alec Kelso and The Real Money Pros. Όλο το περιεχόμενο podcast, συμπεριλαμβανομένων των επεισοδίων, των γραφικών και των περιγραφών podcast, μεταφορτώνεται και παρέχεται απευθείας από τον Alec Kelso and The Real Money Pros ή τον συνεργάτη της πλατφόρμας podcast. Εάν πιστεύετε ότι κάποιος χρησιμοποιεί το έργο σας που προστατεύεται από πνευματικά δικαιώματα χωρίς την άδειά σας, μπορείτε να ακολουθήσετε τη διαδικασία που περιγράφεται εδώ https://el.player.fm/legal.
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Manage episode 404635599 series 3083349
Το περιεχόμενο παρέχεται από το Alec Kelso and The Real Money Pros. Όλο το περιεχόμενο podcast, συμπεριλαμβανομένων των επεισοδίων, των γραφικών και των περιγραφών podcast, μεταφορτώνεται και παρέχεται απευθείας από τον Alec Kelso and The Real Money Pros ή τον συνεργάτη της πλατφόρμας podcast. Εάν πιστεύετε ότι κάποιος χρησιμοποιεί το έργο σας που προστατεύεται από πνευματικά δικαιώματα χωρίς την άδειά σας, μπορείτε να ακολουθήσετε τη διαδικασία που περιγράφεται εδώ https://el.player.fm/legal.
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 cryptocurrency. While some of us may think that these digital assets are worthless, they prove time and time again that they're not leaving us anytime soon. How blockchains work, the roles of third-party crypto exchanges, and the scams that lie within them.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Ataraxis PEO
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
100 επεισόδια
Μοίρασέ τοManage episode 404635599 series 3083349
Το περιεχόμενο παρέχεται από το Alec Kelso and The Real Money Pros. Όλο το περιεχόμενο podcast, συμπεριλαμβανομένων των επεισοδίων, των γραφικών και των περιγραφών podcast, μεταφορτώνεται και παρέχεται απευθείας από τον Alec Kelso and The Real Money Pros ή τον συνεργάτη της πλατφόρμας podcast. Εάν πιστεύετε ότι κάποιος χρησιμοποιεί το έργο σας που προστατεύεται από πνευματικά δικαιώματα χωρίς την άδειά σας, μπορείτε να ακολουθήσετε τη διαδικασία που περιγράφεται εδώ https://el.player.fm/legal.
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 cryptocurrency. While some of us may think that these digital assets are worthless, they prove time and time again that they're not leaving us anytime soon. How blockchains work, the roles of third-party crypto exchanges, and the scams that lie within them.
Watch, Subscribe, Ask!
https://www.therealmoneypros.com
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Academy Mortgage:
https://academymortgage.com/?lo=dave-perry&utm_source=podcast&utm_medium=description&utm_campaign=show_sponsor
Ataraxis PEO
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————
100 επεισόδια
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1 Federal Layoffs, HSA’s, & European Politics (3/1/2025) 1:21:28
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Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedBrian Wiley and Jeremiah Bates break down the fiery Oval Office exchange between Trump, JD Vance, and Ukraine’s Zelensky. What led to the heated debate, and was Zelensky’s approach the right move? The hosts analyze the political and financial stakes—especially how Trump’s efforts to reshape foreign alliances could ripple through global markets. Then, it’s all about preparing for the unexpected—federal worker layoffs are making headlines, and job security is a growing concern. If layoffs are looming, what should you do first? The guys cover essential strategies: avoiding costly 401(k) loan mistakes, using credit lines wisely, and ensuring your health and life insurance aren’t at risk. In the second hour, they take a deep dive into Health Savings Accounts (HSAs), explaining why they’re one of the most underrated financial tools. Plus, listener questions tackle the taxability of life insurance, the Roth vs. traditional IRA debate, and smart diversification strategies. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
In this episode of The Money Hour on Newstalk KBOI, Brian Wiley dives deep into the ever-changing landscape of cryptocurrency, gold, and AI investing. He explores whether Bitcoin and other digital assets are finally earning their place in the financial world or if they remain too risky for the average investor. Meanwhile, gold has surged to nearly $3,000 per ounce—should you buy in, or is it just another hype cycle? Brian also unpacks AI’s growing role in the economy, highlighting investment opportunities and potential pitfalls as this technology reshapes industries. Plus, the show takes a hard look at financial scams and the importance of being proactive about wealth preservation. Whether it's protecting your digital assets, avoiding shady investment schemes, or understanding why AI-driven fraud is on the rise, this episode equips you with the knowledge they need to stay ahead in 2025’s unpredictable markets. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley…
1 No Volatility, No Growth (2/22/2025) 1:21:46
1:21:46 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:46
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedThis week, Brian Wiley and Jeremiah Bates break down the latest market swings, explaining why recent volatility is normal market behavior and how investors should approach it. With economic uncertainty looming—fueled by inflation concerns and political factors—the guys explain how to stay disciplined in your investment strategy. As tax season kicks into high gear, they tackle common tax questions, including how to handle 1099 forms, correct errors on tax documents, and optimize your filings. Retirement planning is another hot topic (as always), with key insights on when to claim Social Security, how to create a steady income stream, and strategies for managing taxes in retirement. Brian and Jeremiah dive into real-world financial planning cases, from consolidating debt efficiently to ensuring your portfolio is structured to weather market downturns. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 Property Capital Gains Strategies & Income Planning (2/15/2025) 1:21:35
1:21:35 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:35
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedWith the triple team, Brian, Jeremiah, and Alex dive into smart strategies for minimizing capital gains taxes when selling property. A caller shares their real-life scenario of selling two properties, prompting a discussion on how to leverage exemptions, 1031 exchanges, and Delaware Statutory Trusts to maximize profits while minimizing IRS exposure. Next, they tackle the age-old question: should you pay off your mortgage before retirement? With interest rates at historic lows for many homeowners, we break down why keeping a low-interest loan might be the better financial move. We also explore retirement income planning, balancing liquidity with long-term growth, and how to ensure financial security for both spouses. Finally, we touch on Medicare premium brackets and how capital gains can unexpectedly increase healthcare costs. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Jeremiah Bates, & Alex Lundgren ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 Tariff Talks, Taxes, & The Volatility Rollercoaster (2/8/2025) 1:21:36
1:21:36 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:36
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedWhat a wild ride 2025 has been so far! We dive into the latest market swings and how tariffs are shaking up the economy. Jeremiah and Nic break down what the recent tariff discussions mean for businesses, consumers, and your portfolio. They also tackle the volatility that has defined 2025 so far—why markets keep swinging and how to stay level-headed through the noise. Do you think tariffs will be good or bad for our country? The conversation then shifts to tax planning, including key strategies to maximize deductions, the impact of the expiring Tax Cuts and Jobs Act, and whether Roth conversions should be on your radar before potential tax hikes. Plus, the guys dig into real-life financial planning scenarios—managing estate taxes, protecting your wealth in blended families through proper estate planning and prenuptial agreements, and, of course, the financial scams to watch out for this tax season. AI-driven fraud is on the rise, and it’s getting more sophisticated—don’t get caught off guard! Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 Smart Home-Buying Strategies in a High-Rate Market (2/1/2025) 1:21:34
1:21:34 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:34
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedThis week, mortgage rates are top of mind as we discuss where they’re headed in 2025 and how the bond market is influencing lending rates. Guild Mortgage’s Dave Perry joins the show to break down home-buying strategies in today’s high-rate environment. Next, we explore how interest rate trends could impact your investments and borrowing power. The Federal Reserve’s latest stance suggests a “wait and see” approach—so what does that mean for markets and your portfolio? Finally, the recent elimination of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) could mean thousands more in benefits for certain retirees. We discuss what this means, who qualifies, and why you need to prepare for potential tax implications. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren Guest: Dave Perry, Guild Mortgage ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 A.I., Tax Prep, and Legislative Disruptions (1/25/2025) 1:21:18
1:21:18 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:18
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedOn this episode, Jeremiah and Nic discuss how to navigate the complex tax season, offering tips for understanding 1099 forms and avoiding tax surprises. The duo dives into artificial intelligence and its potential impact on the economy, from energy demands to legislative risks, providing listeners with perspectives on investment opportunities and challenges in the AI space. Additionally, they explore the evolving role of financial advisors, highlighting the importance of trust and comprehensive planning that aligns with clients' values and long-term goals. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels Wealth Management Advisors at Tree City Advisors of Apollon ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 TikTok’s Dangers, Pensions, & Charitable Strategies (1/18/2025) 1:21:23
1:21:23 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:23
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedBrian Wiley and Jeremiah Bates unpack the dangers of bad advice on platforms like TikTok, highlighting how poorly sourced financial tips can lead to major IRS troubles. They emphasize the importance of vetting financial advisors and understanding credentials to ensure your money is in trusted hands. Too bad it didn’t stay banned for long! They then shift to pensions, exploring the pros and cons of lump-sum payouts versus lifetime payments. The hosts address factors like interest rates, flexibility, and the long-term viability of pension providers. They also highlight the nuances of joint-life and single-life payout options, along with how to align these decisions with your retirement goals. Plus, donor-advised funds can be a strategic charitable giving tool. The hosts explain how these funds work and the tax advantages they offer, especially for those with RMD obligations. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 Bond Yields, Rate Changes, & Starting a Business in 3 Days (1/11/2025) 1:21:39
1:21:39 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:39
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedLooking back at the week, Jeremiah and Brian dive into the latest job numbers and their surprising market impact, exploring how strong employment figures might influence Federal Reserve decisions and bond yields in the months ahead. They examine the intricacies of Qualified Charitable Distributions (QCDs) and Donor-Advised Funds (DAFs), showing how strategic giving can maximize tax benefits while supporting causes close to your heart. Plus, it’s never been easier to start a business here in the United States. Brian shares a story about how easy it is – no excuses! Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 What Will Lead The Markets in 2025? (1/4/2025) 1:20:29
1:20:29 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:20:29
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedTo kick off 2025, Brian Wiley and Jeremiah Bates dive into the year ahead with actionable insights on smart tax strategies, the evolving crypto market, and navigating the housing landscape. They emphasize the power of Roth conversions and other pre-tax tools like HSAs and 401(k)s, providing guidance on how to optimize your tax picture and keep more money in your pocket. The guys explore how market trends, including semiconductors and other tech investments, could shape 2025. The duo weighs the potential of AI-driven industries and crypto’s long-term prospects, unpacking the implications of regulatory developments for investors. Plus, get tips for tackling the housing market creatively amid high interest rates. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 Value vs. Growth Investing & Year-End Tax Items (12/20/2024) 1:21:09
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Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedAs we hit the final weeks of December, we’re gearing up for the financial challenges and opportunities that lie ahead in 2025. The conversation kicks off with expert insights on recent market movements, helping you understand what's driving the end-of-year volatility. Brian and Jeremiah talk about value and growth investing, offering practical guidance on where to focus your attention as interest rates fluctuate and the Federal Reserve sets its course for the coming year. This is a segment worth paying attention to going into January. Wrapping things up, we dive into year-end tax strategies designed to boost your bottom line. From maximizing Roth conversions to smart tax planning for retirees, these actionable tips will help you make the most of your financial opportunities before the clock strikes midnight on December 31st. Have a very Merry Christmas! Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 Common Retirement Mistakes (12/14/2024) 1:21:38
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Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedJeremiah Bates and Alex Lundgren kick off the show by addressing common retirement planning mistakes, emphasizing the importance of saving early, adjusting plans over time, and preparing for rising healthcare costs. They highlight how neglecting these steps can derail your financial security in retirement. We see these often! They also dive into effective debt management, offering tips to avoid high-interest traps and use debt strategically. Tax planning also takes center stage with a discussion on Roth conversions and their potential impact on Medicare premiums and overall tax liability. Jeremiah and Alex stress the importance of understanding how financial actions, like selling assets, affect your tax picture. Plus, advice on investment diversification to manage risks and behavioral finance tips to overcome emotional decision-making that can (and will) harm your portfolio. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 Options Trading & Simplifying Your Finances (12/7/2024) 1:21:36
1:21:36 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:36
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedBrian and Jeremiah kick off today's discussion with the concept of simplicity in financial planning—reminding us that overcomplicating strategies can often lead to unnecessary stress. From estate planning to consolidating accounts, they emphasize the value of keeping things straightforward, especially when working across generations within families. The guys also delve into charitable giving and the often-overlooked tax benefits it can provide. By fine-tuning how donations are executed, you can maximize tax savings while supporting causes that matter to you. Plus, options trading takes center stage as they explain its mechanics, risks, and potential rewards using relatable analogies. Whether you're a seasoned investor or just curious about options, their insights help you understand this complex investment strategy. Remember to be smart about your options trading! Your risk could be unlimited. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
1 Scam-Proof Your Family: Protecting Against Fraud and Exploitation (11/30/2024) 1:21:11
1:21:11 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:11
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedAfter the shortened trading week, Brian Wiley and Jeremiah Bates tackle the increasing threat of financial scams, particularly those targeting the elderly. With over $10 billion reported lost to scams in 2023, they discuss the importance of vigilance in protecting loved ones and yourself from fraud. 'Tis the season to be scamming! Additionally, the duo explores elder financial exploitation by trusted individuals, such as family members or caregivers. The hosts discuss systemic vulnerabilities and the vital role of fiduciary responsibility in safeguarding assets. Whether you're navigating caregiving arrangements or seeking ways to assist aging parents, this episode provides insights to protect against exploitation and maintain financial security. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
On this episode, we dive into some of the most important financial strategies you should consider as we approach the end of the year. Whether you’re managing your portfolio solo or working with a financial advisor, we’ll break down how to match your financial needs with the right type of advisory service. We’ll also talk about the top year-end tax strategies to help you make smarter moves. From tax-loss harvesting to charitable giving through donor-advised funds, these tips could make a big difference in how much you save when tax season rolls around! Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
In this shortened show, Brian and Jeremiah examine the ambitious push for government efficiency, including plans to cut $2 trillion in spending. With leaders like Elon Musk and Vivek Ramaswamy at the helm, we explore how transparency and strategic cost-cutting could reshape government operations while addressing public skepticism about bureaucracy. Will it work? We also take a walk into Roth IRA conversions, highlighting how converting traditional retirement accounts during lower-income years can reduce taxes and secure long-term, tax-free growth. There's a reason we talk about this often. Finally, the episode focuses on managing investment risk through proper diversification and understanding asset performance. Whether navigating crypto markets or balancing a portfolio for retirement, smart risk management is critical for a successful financial plan. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Trump Rally, National Debt, & Roth Conversions (11/9/2024) 1:21:41
1:21:41 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:41
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedJeremiah Bates and Brian Wiley dive into key strategies for tax-efficient retirement income, focusing on Roth conversions and income planning. By understanding tax implications and income thresholds—such as those impacting Medicare premiums and ACA credits—retirees can strategically use Roth conversions to minimize taxes and optimize inheritance planning. This approach helps protect against unexpected tax burdens and offers beneficiaries the advantage of tax-free inherited funds. The guys also explore how market behavior and national events, like elections, impact investment decisions, emphasizing the importance of maintaining a long-term strategy despite short-term uncertainties. Additionally, they offer insights into national debt concerns as Brian and Jeremiah examine the U.S. debt-to-GDP ratio and its implications for economic stability. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Smart Strategies for Retirement, College Planning, & Business Success (11/2/2024) 1:20:01
1:20:01 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:20:01
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedBrian and Alex dive into proactive retirement planning and key strategies to make the most of your savings. We discuss how tax-efficient withdrawals and income planning can maximize funds, especially if you’re retiring before Medicare eligibility. We also cover how withdrawals from accounts like Roth IRAs and 401(k)s impact taxes and health insurance credits, making careful planning essential. For parents, we share tips on teaching college-aged kids about managing tuition and building financial independence. We also explain the tax implications of 401(k) rollovers and the importance of direct rollovers to avoid penalties. For business owners, we emphasize the need for specialized advisors who understand the unique financial challenges of entrepreneurs. Lastly, we explore why balancing risk in investments is crucial, avoiding the extremes of being too conservative or aggressive. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Alexandra Lundgren ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.co Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Tax-Efficient Withdrawal Strategies & Planning Through Volatility (10/12/2024) 1:21:49
1:21:49 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:49
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedJeremiah 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 distributions (RMDs). Additionally, the guys address the impact of inflation on retirement planning and the need to adjust financial strategies to maintain purchasing power. Finally, we analyze key economic indicators and investment strategies during uncertainty, emphasizing the importance of aligning your approach with long-term financial goals for a secure retirement. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Fourth Quarter Moves, CTA, & Critical Global Events (10/5/2024) 1:21:40
1:21:40 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:40
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedIt’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 Corporate Transparency Act (CTA), which requires business owners to file a beneficial ownership report by the end of the year. She explains what this means for both small and large businesses, along with the penalties for non-compliance. We also cover market and economic trends, examining how global events, rising interest rates, and market volatility in September and October could affect your investments. Finally, we focus on capital gains tax planning, offering strategies for timing asset sales, qualifying for long-term capital gains rates, and offsetting gains with losses to reduce tax liabilities. It's time to wrap up your 2024! Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates Guest: Stephanie Helms, CPA https://davestewartcpa.com/ ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Reporting Beneficial Ownership & Asset Protection Tips (9/28/2024) 1:21:44
1:21:44 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:44
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedThis 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 tax evasion and money laundering. Non-compliance could result in hefty fines and jail time, so make sure you’re prepared! The team discussed the importance of prenuptial agreements in estate planning. Prenups are especially vital for those in second or later-in-life marriages, as they protect personal and financial assets in case of divorce or death. Next, they tackled trusts and estate planning for business owners. Trusts help avoid probate and ensure seamless asset transfer, but they can complicate FinCEN reporting. It’s crucial to plan carefully when using trusts in business ownership. Finally, the team looked at entity structuring and asset protection. Setting up LLCs and holding companies can safeguard personal assets from business-related liabilities, but you need a clear strategy to stay compliant with FinCEN regulations. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates Guest: Steve Rausch, Attorney steverauschlawoffice.com ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Inflation's Soft Landing & Rate Cut Opportunities (9/21/2024) 1:21:20
1:21:20 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:20
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedIn 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 daily. As we navigate this changing economic landscape, our experts discuss adaptive investment strategies, particularly for income investors, and the importance of tailoring portfolios to respond to potential future rate changes. Lastly, we explore retirement savings options for business owners and self-employed individuals, detailing plans such as traditional IRAs, SIMPLE IRAs, SEP IRAs, and solo 401(k)s. Understanding these options is crucial for optimizing tax benefits and ensuring a secure financial future. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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 wages in certain fields—such as teaching—especially in places like Idaho, where financial struggles can be more pronounced. We discuss various strategies parents are using to help their children through this transition period, from keeping them on family plans to offering direct financial assistance for major expenses like buying a home. Is it necessary for today’s parents to support their children when they first leave the house? Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Interest Rates, Fixed-Income, & Nvidia (8/31/2024) 1:21:42
1:21:42 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:42
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedJeremiah 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, we compare 401(k)s, Roth IRAs, and Traditional IRAs. The tax implications of each, contribution limits, and strategies like the “backdoor Roth IRA” for high-income earners. We also delve into effective investment strategies, including asset allocation and diversification. We highlight the risks and rewards of individual stocks, such as Nvidia, and the influence of market trends and geopolitical factors on your portfolio. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alexandra Lundgren ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Company Stock in a 401(k), Early Retirement Withdrawals, & IRS Penalties (8/24/2024) 1:21:32
1:21:32 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:32
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedThis 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 like inflation has slowed down enough to cut rates? We also tackle common IRS challenges, including tax filing and payment issues, and share tips on how to contest penalties through the taxpayer relief office. Learn about IRS Rule 72(t), a crucial tool for those considering early retirement, which allows penalty-free early withdrawals from retirement accounts. Finally, we cover key retirement planning strategies, focusing on managing taxable income to qualify for health insurance subsidies and optimizing your Social Security benefits. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley Nic Daniels ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Tipping Culture, Opportunity Zones, & Minimizing Taxes (8/17/2024) 1:21:45
1:21:45 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:45
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedHow 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 for economic development that offer unique tax advantages for those looking to revitalize communities. Our conversation then shifts to wealth-building strategies, unpacking how the wealthy leverage tools like Delaware Statutory Trusts (DSTs), Opportunity Zones, and 1031 exchanges to grow their wealth while minimizing taxes. Finally, we offer financial planning advice for young adults, focusing on the importance of starting early with a Roth IRA, building strong savings habits, and the value of mentorship in financial literacy. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley Alexandra Lundgren ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Making Adjustments When Markets Are Volatile (8/10/2024) 1:21:41
1:21:41 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:41
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedIn 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 currency exchange rates and interest rates, contributing to recent market movements. Our hosts offer practical advice on adjusting your investment strategy, emphasizing small, strategic reallocations over emotional, large-scale changes. We also explore the importance of risk assessment tools like Nitrogen (formerly Riskalyze) to ensure your portfolio aligns with your retirement timeline and goals. Want a free portfolio analysis through Apollon Wealth Management? Reach out to us using the link below! Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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 and emphasizes long-term strategies. Plus, we analyze Intel's recent stock performance, broader market trends, and the impact of Federal Reserve policies on interest rates and asset classes… Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Balancing Portfolios During Political Disruption (8/3/2024) 1:21:32
1:21:32 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:32
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedWe 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 the upcoming presidential election could impact the markets, with a focus on sectors like defense, energy, and healthcare. Intel's recent challenges, including a significant stock drop, layoffs, and dividend suspension, are analyzed, along with its long-term prospects in the AI and chip industry. How to maintain your long-term investment strategies despite market fluctuations and introducing the "bucket system" for asset allocation. Dividing assets into cash, income, and growth buckets can help manage risk and align with your financial goals. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley, Jeremiah Bates, Ben Barzideh ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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The Real Money Pros
1 Rate Cuts: Macro Economics vs. Personal Finance (7/27/2024) 1:21:37
1:21:37 Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like Liked1:21:37
Αναπαραγωγή αργότερα Αναπαραγωγή αργότερα Λίστες Like LikedRecent 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. We also talk about the importance of planning, understanding market volatility, and the differences between income-focused and growth-focused portfolios. Finally, we touch on estate planning topics such as the step-up in basis, required minimum distributions (RMDs), and the fairness of estate taxes. Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley Jeremiah Bates ————————————————————— SPONSORS : Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————…
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