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 annuities, noting their complexities and potential downsides. Additionally, they explain strategies for accessing retirement funds early without penalties, including IRS rule 72(t) for IRAs, age rules for 401(k) and 457 plans, and utilizing Roth IRA contributions.



Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com



Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

—————————————————————

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

—————————————————————

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 annuities, noting their complexities and potential downsides. Additionally, they explain strategies for accessing retirement funds early without penalties, including IRS rule 72(t) for IRAs, age rules for 401(k) and 457 plans, and utilizing Roth IRA contributions.
 
Listen, Watch, Subscribe, Ask!
<a href="https://www.therealmoneypros.com/">https://www.therealmoneypros.com</a>
 
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Guild Mortgage:
<a href="https://branches.guildmortgage.com/id/meridian/dave-perry-835-hpdpe.html?utm_source=radio&amp;utm_medium=description&amp;utm_campaign=sponsor">https://guildmortgage.com</a>
Ataraxis PEO
<a href="https://ataraxispeo.com">https://ataraxispeo.com</a>
Tree City Advisors of Apollon:
<a href="https://www.treecityadvisors.com/">https://www.treecityadvisors.com</a>
Apollon Wealth Management:
<a href="https://apollonwealthmanagement.com/">https://apollonwealthmanagement.com/</a>
Formations:
<a href="https://get.formationscorp.com/real-money-pros">https://get.formationscorp.com/real-money-pros</a>
—————————————————————

The Real Money Pros Podcast

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

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 the emotional aspects of transitioning into retirement. We also delved into the pivotal role of financial advisors in guiding clients through financial behaviors, risk management strategies, and estate planning. We stressed the importance of categorizing expenses into essentials, wants, and wishes in retirement planning, prioritizing non-negotiable needs such as healthcare and utilities.



Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com



Hosts:

Jeremiah Bates, Financial Advisor

Nic Daniels, Financial Advisor

—————————————————————

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 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 the emotional aspects of transitioning into retirement. We also delved into the pivotal role of financial advisors in guiding clients through financial behaviors, risk management strategies, and estate planning. We stressed the importance of categorizing expenses into essentials, wants, and wishes in retirement planning, prioritizing non-negotiable needs such as healthcare and utilities.
 
Listen, Watch, Subscribe, Ask!
<a href="https://www.therealmoneypros.com/">https://www.therealmoneypros.com</a>
 
Hosts:
Jeremiah Bates, Financial Advisor
Nic Daniels, Financial Advisor
—————————————————————
SPONSORS:
Guild Mortgage:
<a href="https://branches.guildmortgage.com/id/meridian/dave-perry-835-hpdpe.html?utm_source=radio&amp;utm_medium=description&amp;utm_campaign=sponsor">https://guildmortgage.com</a>
Ataraxis PEO
<a href="https://ataraxispeo.com">https://ataraxispeo.com</a>
Tree City Advisors of Apollon:
<a href="https://www.treecityadvisors.com/">https://www.treecityadvisors.com</a>
Apollon Wealth Management:
<a href="https://apollonwealthmanagement.com/">https://apollonwealthmanagement.com/</a>
Formations:
<a href="https://get.formationscorp.com/real-money-pros">https://get.formationscorp.com/real-money-pros</a>
—————————————————————

Managing Retirement Before It Comes (6/29/2024)

In this episode, Jeremiah 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 gains taxes. They touch on some anticipated tax law changes, especially the potential sunsetting of the Tax Cuts and Jobs Act, highlighting the need for proactive financial planning. Additionally, they cover the importance of long-term care planning and appropriate insurance policies, noting rising costs and the need to prepare in other ways besides just insurance.



Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com



Hosts:

Jeremiah Bates, Financial Advisor

Steven Rausch, Attorney

—————————————————————

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, Jeremiah 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 gains taxes. They touch on some anticipated tax law changes, especially the potential sunsetting of the Tax Cuts and Jobs Act, highlighting the need for proactive financial planning. Additionally, they cover the importance of long-term care planning and appropriate insurance policies, noting rising costs and the need to prepare in other ways besides just insurance.
 
Listen, Watch, Subscribe, Ask!
<a href="https://www.therealmoneypros.com/">https://www.therealmoneypros.com</a>
 
Hosts:
Jeremiah Bates, Financial Advisor
Steven Rausch, Attorney
—————————————————————
SPONSORS:
Guild Mortgage:
<a href="https://branches.guildmortgage.com/id/meridian/dave-perry-835-hpdpe.html?utm_source=radio&amp;utm_medium=description&amp;utm_campaign=sponsor">https://guildmortgage.com</a>
Ataraxis PEO
<a href="https://ataraxispeo.com">https://ataraxispeo.com</a>
Tree City Advisors of Apollon:
<a href="https://www.treecityadvisors.com/">https://www.treecityadvisors.com</a>
Apollon Wealth Management:
<a href="https://apollonwealthmanagement.com/">https://apollonwealthmanagement.com/</a>
Formations:
<a href="https://get.formationscorp.com/real-money-pros">https://get.formationscorp.com/real-money-pros</a>
—————————————————————

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

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 comprehensive services like legal entity setup, payroll management, and tax filing while still providing personal expert advice. We'll also discuss the crucial need for professional financial guidance for the self-employed and address common misconceptions about its cost. Maximize your business's tax savings!



Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com



Guest:

Shahar Plinner, CEO/Founder of Formations

Hosts:

Brian Wiley, Financial Advisor

Jeremiah Bates, Financial Advisor

—————————————————————

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

—————————————————————

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 comprehensive services like legal entity setup, payroll management, and tax filing while still providing personal expert advice. We'll also discuss the crucial need for professional financial guidance for the self-employed and address common misconceptions about its cost. Maximize your business's tax savings!
 
Listen, Watch, Subscribe, Ask!
<a href="https://www.therealmoneypros.com/">https://www.therealmoneypros.com</a>
 
Guest:
Shahar Plinner, CEO/Founder of Formations
Hosts:
Brian Wiley, Financial Advisor
Jeremiah Bates, Financial Advisor
—————————————————————
SPONSORS:
Guild Mortgage:
<a href="https://branches.guildmortgage.com/id/meridian/dave-perry-835-hpdpe.html?utm_source=radio&amp;utm_medium=description&amp;utm_campaign=sponsor">https://guildmortgage.com</a>
Ataraxis PEO
<a href="https://ataraxispeo.com">https://ataraxispeo.com</a>
Tree City Advisors of Apollon:
<a href="https://www.treecityadvisors.com/">https://www.treecityadvisors.com</a>
Apollon Wealth Management:
<a href="https://apollonwealthmanagement.com/">https://apollonwealthmanagement.com/</a>
Formations:
<a href="https://get.formationscorp.com/real-money-pros">https://get.formationscorp.com/real-money-pros</a>
—————————————————————

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

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