The Financial Call: Recent Episodes

Zacc Call

The Financial Call is Capita's Podcast for teaching financial wellness.

Are you a homeowner or looking to become one? Here’s where you can learn about all the insurance you may need!

Listen in as Zacc and Laura are joined by insurance professional Spencer Shelton to delve into property and casualty insurance. They discuss various personal and commercial insurance types, including auto, home, and umbrella policies.

Spencer explains the nuances of homeowners' insurance, such as the differences between HO-3, HO-4, and HO-5 policies, and the significance of flood insurance.

The conversation highlights the importance of understanding insurance coverage, the benefits of umbrella policies, and the need for individuals to review and discuss their insurance needs with agents.

Other discussion points include:

The essentials of casualty and property insurance
Understanding your homeowners’ insurance policy
Car insurance, umbrella policies & how to protect your assets
The role of insurance agents in your financial journey
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Spencer Shelton:

LinkedIn: Spencer Shelton
Shelton Insurance Group

In this special bonus episode Zacc Call joins Erik Soderborg on the 90 Days from Retirement Youtube channel to delve into the most pressing questions from the internet following their recent episode on Roth vs. Traditional. This engaging discussion offers valuable insights and answers to commonly asked questions, providing listeners with a comprehensive understanding of the complexities surrounding these critical financial decisions.

Topics covered include:

Traditional & RMDs (Required Minimum Distributions):
Unpack the nuances of Traditional retirement accounts and navigate the intricacies of Required Minimum Distributions.
Are Taxes Going Up?
Explore the current landscape of tax policies and discuss whether taxes are expected to increase in the foreseeable future, influencing retirement planning strategies.
Roth Income Limits:
Shed light on the income limits associated with Roth IRAs and how they impact eligibility and contributions.
Spousal IRA:
Provide guidance on the often-overlooked Spousal IRA option, offering couples additional avenues for optimizing their retirement savings.
Backdoor Roth:
Demystify the concept of a Backdoor Roth IRA and explain how it can be a strategic option for individuals facing income limitations for direct Roth contributions.
Will Roths Be Taxed?
Delve into the speculation and considerations surrounding the potential taxation of Roth IRAs in the future, offering listeners a forward-looking perspective on their retirement planning.

To get the full spectrum of information, make sure to check out the complete video on the 90 Days from Retirement YouTube channel. Additionally, visit Erik Soderborg's website at 90daysfromretirement.com for more resources, tools, and insights to empower your journey towards a secure and fulfilling retirement. Don't miss this bonus episode packed with expert advice and practical tips to navigate the Roth vs. Traditional dilemma and make informed decisions for your financial future.

Questions from the Internet: Roth vs. Traditional - https://www.youtube.com/watch?v=-U_su7Ak7QE

Watch the original interview that started it all! Exposing the TRUTH About Roth vs Traditional Accounts | Financial Conversations: https://www.youtube.com/watch?v=VHHNYdpVwrU&t=1s

Long-term care insurance is becoming an increasingly fundamental addition to the financial planning process.

That’s why Zacc Call and Laura Hadley, along with insurance professional Barney Tanner, are diving into the intricacies of long-term care and disability insurance. They discuss the likelihood of needing long-term care, the various payment options including insurance, and the importance of planning for potential costs.

The episode also explores the differences between standard and linked benefit insurance policies, the role of ADL requirements, and the nuances of disability insurance coverage.

Discussion points include:

The basics of planning for long-term care
The 6 main avenues of paying for long-term care: Private pay, family support, Medicare, Medicaid, veterans' benefits, and insurance
The role of insurance in long-term care from an insurance professional
The various policies you can choose from in disability insurance
And more

Resources:

Guided Path 8-1 Pre-65 Health Care Options for Early Retirees
Guided Path 8-2 Navigating the Alphabet Soup of Medicare
Guided Path 8-3 Life Insurance
Guided Path 8-4 Life Insurance: When To Get It, When To Drop It

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Barney Tanner:

LinkedIn: Barney Tanner, CLTC®
Allegis Advisor Group

About Our Guest:

Barney Tanner is a seasoned National Brokerage Director with over 20 years of experience nurturing key relationships that lead to sales growth and ensure client retention. Extensive experience in all aspects of business development and wealth planning including developing key client relationships, leading and building teams, developing successful strategies, and making relationship-based sales.

Barney continually exceeds expectations by creating valuable partnerships and works well with people at all levels of an organization including stakeholders, C-suite executives, management, underwriters, staff, and agents.

Get ready for another special bonus episode where Zacc Call joins Erik Soderborg on the "90 Days from Retirement" YouTube channel! They dive deep into the critical art of securing your retirement funds, covering everything from external risks to the internal decisions that could make or break your financial future.

The conversation dives deep into the intricacies of risk tolerance, savvy withdrawal strategies, and debunking the 4% rule, all while stressing the need for a personalized approach tailored to your unique circumstances. Erik and Zacc pull back the curtain on the impact of taxes on retirement, delivering a fresh perspective on potential challenges and the absolute necessity for meticulous financial planning.

Catch the full video on Erik Soderborg's channel for a complete look into these crucial retirement insights. Ready to supercharge your financial knowledge? Don't forget to explore Erik's website and watch more of his engaging videos on YouTube.

Full video: https://www.youtube.com/watch?v=flCDgSy25e0&t=1s

Erik’s Website: https://90daysfromretirement.com/

There’s no magical date marked on the calendar telling you when to get life insurance.

So, when should you get it, and is there a time you should get rid of it?

In this episode, Zacc Call and Laura Hadley discuss both when to get and when to drop life insurance. Zacc shares his journey with life insurance, starting from when he married at 22, highlighting its importance for end-of-life expenses and family support.

They explore the financial implications of death, such as mortgage and income continuation for survivors, emphasizing tailored coverage. The advisors also consider when retirees might drop life insurance, noting that those with ample assets may not need it.

Zacc and Laura discuss:

How to time your life insurance
When to hold onto your policy, and when to let it go
What financial problems your death may create
What financial plan tweaks should happen as your life progresses
And more

Resources:

The Cost of Dying - Talk With The Expert Matt Russon

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Explore an exclusive bonus episode featuring Zacc Call and Erik Soderborg from 90 Days from Retirement, where they unravel the intricacies of optimizing your Social Security benefits. Delve into valuable insights on maximizing your financial future. Catch the full interview on Erik's YouTube channel for a comprehensive guide to securing your retirement.

Full video: https://www.youtube.com/watch?v=KXFqGra9qHI&t=937s

https://90daysfromretirement.com/

Does it feel like you’re constantly being pitched life insurance? There’s a reason for that and we’re going to tell you why.

In this episode, Zacc Call and Laura Hadley explore the intricacies of life insurance. Zacc shares his journey with thyroid cancer and underscores the value of life insurance in providing financial security during unforeseen health issues.

They discuss the importance of determining the right amount of coverage, differentiating between term and permanent life insurance, and the potential pitfalls of policies with investment components.

The conversation also covers the motives behind selling permanent life insurance, the role of financial professionals, and the considerations for children's life insurance and funeral costs.

Zacc and Laura discuss:

Zacc’s personal story about being diagnosed with thyroid cancer & how it impacted his ability to obtain life insurance
How you can determine the right amount of insurance coverage for your situation
The investment aspects of permanent life insurance
Life insurance for children + employer-provided insurance
And more

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Navigating the intricacies of Medicare can feel like wading through an alphabet soup of confusion and misinformation.

To help you feel less overwhelmed, Zacc Call and Laura Hadley break down the different parts of Medicare and explain key points to keep in mind before enrolling — so you can make an informed decision based on your healthcare needs.

Zacc and Laura discuss:

Why enrolling in Medicare at 65 isn't mandatory and delaying is an option
The importance of timely Medicare enrollment to avoid penalties
An overview of Medicare Parts A and B, Medicare Advantage, and Medigap
Additional points to consider if you have a group coverage plan at work or an HSA
And more

Resources:

Guided Path 8-1 Pre-65 Health Care Options for Early Retirees
HealthCare.gov
90 Days From Retirement: Erik Soderborg (Website)
90 Days From Retirement: Erik Soderborg (YouTube)

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Retiring early is a dream for many.

However, people often hesitate due to a fear of high healthcare costs, given that Medicare doesn’t come into play until the age of 65.

We address this concern today — in the first episode of our brand-new season about insurance! Zacc Call and Laura Hadley explore three options for pre-65 health care coverage: COBRA plans, retiree plans offered by employers, and plans obtained through the exchange.

Zacc and Laura discuss:

How COBRA helps address any gaps in coverage (switching jobs, retiring early, etc.)
Tips on navigating healthcare.gov to compare plans and identify potential subsidies
Personal experiences and anecdotes to illustrate the nuances of each option
A sneak peek into the upcoming episodes of this season
And more

Resources:

Money & Mind
HealthCare.gov

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

If you plan to exit your business soon and are charitably inclined, you may have untapped tax-saving opportunities!

In this episode, Zacc Call and Laura Hadley discuss tax-efficient charitable giving strategies for business owners planning to exit their businesses. They specifically share ways to leverage donor-advised funds (DAF) and charitable remainder trusts to reduce capital gains tax and maximize your tax deductions.

Zacc and Laura discuss:

How income from selling a business is taxed in the U.S.
How a complex asset donation works (structure, timeline, associated costs, etc.)
DAFs vs. charitable remainder trusts — finding which strategy is right for you
Different types of professionals you should consult for tax-efficient charitable giving and exit planning
And more

Resources:

Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks
Guided Path 7-2 Timing Your Charitable Giving
Guided Path 7-3 Qualified Charitable Distributions
Guided Path 7-4 Donor-Advised Funds
Guided Path 6-4 Exiting Your Business From A Legal Standpoint

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Let’s discover how to maximize your impact on your favorite charities while enjoying tax benefits using donor-advised funds!

In this episode, Zacc Call and Laura Hadley discuss DAFs, their benefits, growth, and associated sponsors and fees. They emphasize the importance of separating tax decisions from the act of giving and the timing flexibility DAFs offer.

Listen as they share a case study of a physician who optimized his charitable giving through a DAF, highlighting the flexibility and simplicity of this fund.

Zacc and Laura discuss:

What a Donor-Advised Fund (DAF) is and how to implement it in your financial plan
A real-life success story that highlights avoiding a higher tax rate to save money
How DAFs can help you differentiate between the reasons why you want to give
The logistics of DAFs including their minimum contributions and various fees
The benefits of using a DAF as an IRA beneficiary
And more

Resources:

Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks
Guided Path 7-2 Timing Your Charitable Giving
Guided Path 7-3 Qualified Charitable Distributions

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Let’s continue to learn how to reduce your taxes while increasing your giving potential!

More specifically, with the help of Qualified Charitable Distributions!

In this episode, Zacc Call and Laura Hadley discuss the benefits of Qualified Charitable Distributions (QCDs) for individuals aged 70.5 or older. They explain how QCDs (Qualified Charitable Distributions), made directly from pre-tax IRA accounts to charities, can reduce taxable income and potentially lower Medicare premiums.

They also discuss the importance of timing these distributions to maximize tax savings. They cover the limitations of QCDs, such as the inability to donate to donor-advised funds.

Zacc and Laura discuss:

The potential of your QCDs (Qualified Charitable Distributions)
Why timing is everything: How to time your charitable contributions effectively
Everything you need to know about RMDs (Required Minimum Distributions) when charitable giving
How to use your Qualified Charitable Distributions to satisfy your personal Required Minimum Distributions
And more

Resources:

Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks
Guided Path 7-2 Timing Your Charitable Giving

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

In this episode, Zacc Call and Laura Hadley discuss the tax benefits of charitable giving, focusing on the strategy of "bunching" or "doubling up" donations. They explain the impact of the standard deduction on tax benefits and how timing donations can optimize tax savings.

They also introduce the concept of a donor-advised fund (DAF) as a tool for controlling the timing of your donations and itemized deductions. They emphasize that the cause, not the tax benefit, should be the primary motivation for your giving–no matter where it’s going.

Zacc and Laura discuss:

The concept of standard deduction and how it affects your tax benefits
The strategy of “bunching” and “doubling up” your charitable giving
The role of donor advised funds (DAFs)
How to better manage cash flow when you’re prepaying donations
And more

Resources:

Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

In this engaging episode, financial experts Zacc Call and Erik Soderborg come together on Erik's YouTube channel 90 Days From Retirement to unravel the complexities of Roth and Traditional retirement accounts.

Zacc and Erik provide listeners with valuable insights into how each account aligns with varying financial goals and circumstances. They demystify the common misconceptions surrounding Roth and Traditional accounts, empowering the audience to make informed decisions for their unique financial situations.

The dynamic conversation delves into scenarios, strategies, and key factors to consider when choosing between Roth and Traditional accounts. Whether you're a seasoned investor or just starting your financial journey, this episode offers essential knowledge to optimize your retirement savings.

Tune in to gain a deeper understanding of the financial landscape and equip yourself with the tools to make sound choices on your path to financial prosperity!

This engaging conversation has already received over 100k views on Youtube. Watch the full video: Exposing the TRUTH About Roth vs Traditional Accounts | Financial Conversations

It’s a brand new season with brand new topics! It’s time to unravel the intricacies of charitable giving.

In this episode, Zacc Call and Laura Hadley discuss the benefits of donating cash versus stocks, and the potential tax advantages associated with each option.

They also explore potential tax implications and limitations based on your income level and the type of charity you give to.

Join the conversation as Zacc and Laura discuss:

Why donating stocks as your form of charitable giving is extremely “tax savvy”
The varying processes for donating stocks versus cash to a charity
“The Happiness Factor” and how it contributes to charitable giving
And more

Resources:

Guided Path: Seasons 1 - 6

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Creating clear processes and systems can skyrocket the valuation of your business.

In this episode, Zacc Call and Laura Hadley, along with their friend and colleague Tyson Long discuss the importance of having the right network and team of professionals when selling or owning a business. They highlight the order in which you should address the different categories of owning a business and the mentality you should have when tackling them.

They also discuss the importance of involving a spouse in financial planning and the need for professionals like a bookkeeper, business tax expert, and personal tax expert.

Zacc, Laura, and Tyson discuss:

The 5 pillars of business management: Which one do you tackle first when exiting?
How to start curating your professional network when managing or exiting your business
Business management from a legal point of view & how to start better incorporating your spouse into the business’ finances
Finding the right people to manage your enterprise and put a value on your family business
And more

Resources:

Guided Path 6-4 Exiting Your Business From A Legal Standpoint
Guided Path Estate Planning Series

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Tyson Long:

LinkedIn: Tyson Long, CFP®, CPWA®

In today’s episode, Zacc Call and Laura Hadley talk about exiting your business from a legal perspective with the help of attorneys Bryant Jensen and Megha Kundra from Fabian VanCott.

Listen as they discuss the process business owners need to take when exiting their business, how to properly evaluate the market, review financials, and prepare for the sale.

Bryant & Megha discuss:

A breakdown of the legal costs associated with exiting your business
How to properly document the entire valuation and exit process
Strategies for maximizing the value of a business before selling
And more

Resources:

Guided Path 6-1 Business Structures
Guided Path 6-2 Choosing the Best Retirement Plan for Your Small Business
Guided Path 6-3 Invest In Your Business & In Your Retirement

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Our Guests:

LinkedIn: Fabian VanCott
FabianVanCott.com
LinkedIn: Megha Kundra
LinkedIn: Bryant W. Jensen

Knowing how to effectively scale your business can greatly impact your retirement plans. Just imagine the opportunities and challenges that come with taking that leap!

In this episode, Zacc Call and Laura Hadley discuss investing in your business and retirement as a business owner. They differentiate between business creators and solo practitioners, emphasizing the importance of scaling up a business to increase income potential.

They also caution against relying too heavily on the value of the business as a retirement plan and discuss the challenges and trade-offs of scaling a business.

Zacc and Laura discuss:

The difference between business owners and solo practitioners: How does this affect how you exit your business?
How to diversify your retirement savings as a business owner
Mitigating the common challenges of business ownership (Scarcity of resources, time, money, talent, and a diverse network!)
How to scale up your business and increase your retirement income
And more

Resources:

Guided Path 6-1 Understanding the Tax Implications of Different Business Structures
Guided Path 6-2: Choosing the Best Retirement Plan for Your Small Business

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Are you feeling overwhelmed by the complexity of small business retirement plans?

In this episode, Zacc Call and Laura Hadley are joined by their Capita colleague, and recurring guest, Tyson Long to analyze and provide detail surrounding various retirement plan options for small business owners. Their suggestions are not one-size-fits-all but rather catered to consider factors like the number of employees and annual saving goals. Listen as they highlight the need for more simplification and better options for small business owners.

Throughout the episode, Zacc, Laura, and Tyson discuss:

The pros, cons, and ideal scenarios for utilizing a Simple Account, IRA, Solo 401k Plan, SEP IRA, Simple IRA, and Company 401k Plan
The proposed simplification of the 401k system for smaller companies and the potential benefits it could bring
The tax flexibility and other benefits offered by non-retirement accounts
The opportunities in alternative investments, such as real estate and private businesses
And more!

Resources:

Guided Path 1-4 Retirement Income Risks with Tyson Long, CFP, CPWA
Guided Path 3-5 Real Estate with Tyson Long, CFP®, CPWA®
Guided Path 3-6 Navigating the World of Alternative Investments with Tyson Long, CFP®, CPWA®
Guided Path 4-4 Retiree Tax Strategies: Helping You Save Money On Taxes

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Tyson Long, CFP®, CPWA®
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Tyson Long:

LinkedIn: Tyson Long, CFP®, CPWA®

What type of business structure should you use to limit your taxes and liability?

In this episode, Zacc Call and Laura Hadley discuss various business structures and their implications for your taxes and liability. They explain that most business structures are pass-through entities, except for C corporations which are subject to double taxation.

Plus they delve into sole proprietorships, partnerships, and limited liability corporations (LLCs), highlighting the risks and benefits of each.

Listen to gain insight on:

The different tax implications of Sole Proprietorships, Partnerships, and LLCs & which structure you should use in your business
The benefits of S Corporations in your business structure
How these different structures affect your liability (how to protect your assets if you get involved in a lawsuit!)
The process of opting out of or back into Social Security as a self-employed individual
And more

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Have you prepared to pass on your wealth to your children? If not (and take it from us!), it can lead to serious family feuds and even legal consequences.

We don’t want this to happen to you. Let’s make your family’s relationship stay strong.

In this episode, Zacc Call and Laura Hadley highlight practical solutions to prevent family issues caused by wealth, including open communication, fair estate planning, financial education, and maintaining strong family values.

They also discuss the pitfalls of strange oversight or power relationships and the importance of clear communication.

Zacc and Laura discuss:

How to initiate effective, efficient, and open communication with extended family when executing financial decisions
How to mitigate the fear of taxes and eliminate its effect on your family’s ability to make sound decisions
The risk of making your trust too specific–tips to make your trust sound and clear!
Why some families fail to make a CLEAR and FAIR estate plan–how you can avoid these mistakes
And so much more

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

If you thought our last episode about Estate Planning was beneficial, then you’re really going to find this release chock-full of insight too! Join Zacc and Laura as they dive into the advanced strategies you and your family will want to use for a financially secure future!

In this episode, estate planning guru and attorney at York Howell & Guymon, Eric Whiting discusses the various advanced estate planning strategies you can use to maximize the assets your family keeps after you pass.

Zacc, Laura, and Eric discuss:

How to find out which estate planning strategy you should use
The various IRS dollar limitations to be aware of
How to maximize the dollar amount of your estate your family keeps after you pass (effective tax planning)
Charitable remainder trusts–what they are and how to implement them in your plan
And more

Resources:

Guided Path 5-4: Estate Planning

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Eric Whiting:

LinkedIn: Eric Whiting
York Howell & Guymon Asset Protection

About Eric Whiting:

Eric B. Whiting is an attorney with the Salt Lake City law firm of York Howell. Eric’s practice is focused on estate planning, tax, business planning, and nonprofit entities. Eric also assists clients of large and small estates with all aspects of estate administration and probate. Eric assists business clients with entity selection, structuring, formation, and planning. He also represents clients before the IRS. Eric is currently an active member of the Utah State Bar, Idaho State Bar, Washington State Bar and most recently Wyoming State Bar.

Eric earned his Bachelor's Degree in Economics and Law & Constitutional Studies at Utah State University, his Juris Doctor at Gonzaga University School of Law and his LL.M. in Taxation at Georgetown University Law Center.

When not in the office, Eric loves spending time outside with his wife and three daughters. He enjoys mountain biking, rock climbing, skiing and snowboarding.

With the help of this episode, individuals and families can make informed decisions about their estates and ensure a well-executed wealth transfer plan that aligns with their financial goals.

This episode kicks off with an overview of estate taxes, explaining how they are applied to the transfer of assets from a deceased person to their beneficiaries.

Zacc Call and Laura Hadley highlight the key factors that determine estate tax liability, such as the value of the estate, current tax laws, and available exemptions that could apply to your estate!

Zacc and Laura discuss:

How to find out if you need to worry about estate taxes
Some recent changes to tax laws and how these may affect your estate plan
All the maximum $ amounts you need to need to know when gifting or transferring funds within your family
Strategies you can use in your estate plan to limit the amount of estate tax you pay
And more

Resources:

Guided Path 5-1 The Estate Plan Everyone Should Have with Jayson McGinnis
Guided Path 5-2 Trusts and Wills
Guided Path 5-3 Naming Beneficiaries

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

This week, we are turning the intricacies of naming beneficiaries and transferring retirement funds into easy, actionable, steps.

In this episode, Zacc Call and Laura Hadley chat with, Kelsey Dent, Partner & Director of Financial Services at Capita Financial Network as she shares her insight around the process of naming beneficiaries, how to do so properly, and how to avoid some of the most common mistakes.

Zacc, Laura, and Kelsey discuss:

How to take money out and avoid paying maximum tax penalties on your retirement accounts
Everything you need to know about inherited IRAs (and some recent law changes around them)
Primary versus contingent beneficiaries and how you can use them to your benefit
The types of assets that you need to list a beneficiary on
And more

Resources:

Guided Path 5-2 Trusts and Wills

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Kelsey Dent:

LinkedIn: Kelsey Dent
Capita Financial Network

About Kelsey Dent:

Kelsey Dent is a partner & director of financial services at Capita Financial Network. Kelsey has been working at Capita for 7 years now and was the fifth employee on the team! Now Capita’s team has expanded to 38 employees.

Kelsey is exceptional with client servicing and project management. “Typically those not wanting to manage people or manage a team are the best managers” and that is exactly the case for Kelsey. She is joining Zacc Call and Laura Hadley on the show today to share some insight on naming beneficiaries and how to do so efficiently and effectively.

One of the biggest misconceptions about estate planning is that a trust and a will are the same things and that if you have one, you don’t need the other.

This is not true.

In this episode, Zacc Call and Laura Hadley invite estate planning attorneys Courtney and Gregory Lyle onto the podcast to discuss some of the biggest misconceptions about trusts and wills and how you can use them to best organize your estate for your family.

Greg and Courtney discuss:

The main differences between a trust and a will
Why you should have a will AND a trust
Whether a revocable trust or an irrevocable trust is the best fit for your needs
The crucial elements you should include in your trust
And more

Resources:

Guided Path 5-1: The Estate Plan Everyone Should Have

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Gregory & Courtney Lyle:

Independence Law Firm
LinkedIn: Gregory Lyle

About Gregory and Courtney Lyle:

Courtney and Gregory Lyle are both estate planning attorneys located right next door to Capita Financial Network! Courtney and Greg met at Brigham Young University and then attended the University of Utah together for Law School. They then got married and have been working as estate planning attorneys ever since.

Courtney and Greg use their expertise with estate planning law alongside Capita to enrich individuals' financial planning experience.

Not sure when to start creating your estate plan? Take this as your sign.

This first episode of season five provides an overview of estate planning and highlights the importance of protecting your assets and loved ones.

Jayson McGinnis joins the conversation and discusses some of the misconceptions around estate planning, the key elements to consider, and some practical tips for those not knowing where to start with their plan.

Zacc, Laura, and Jayson discuss:

The important topics to discuss with your family when assembling an estate plan
What 4 documents should be in your “starter estate plan”
How your estate plan changes when minor children are involved
Some common misconceptions about estate planning and why they’re not just for wealthy individuals
And more

Resources:

Guided Path 2-4 Divorce, Remarriage and Death with Jayson McGinnis

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Jayson McGinnis:

LinkedIn: Jayson McGinnis
Capita Financial Network: Jayson McGinnis

About Our Guest:

Jayson is a Wealth Advisor at Capita and a CFP® professional. He obtained his commercial pilot’s license while attending Utah Valley University and earned a Bachelor’s degree in Aviation Science. Jayson began his career in financial services in 2007 at Fidelity Investments. He joined Capita in 2019. His ability to simplify complex financial planning strategies has allowed him to educate and connect with clients. After serving a Russian-speaking mission in Sacramento, CA for his church he moved to Utah from his home state of Washington. He enjoys skiing and taking his family on vacation.

Between June 5th and the end of September this year, the U.S. government is scheduled to reach it's debt ceiling. Listen in to this special bonus episode to know what this means, how this will affect the economy and why there could be a government shutdown as a result of this. You don't want to miss this!

It’s important to educate yourself on the truth about taxes and avoid falling for the most common myths, which we debunk thoroughly.

In this episode, Zacc Call and Laura Hadley discuss the most common tax myths people fall for which includes the discussion of mortgages, estate tax, and gifting funds. The aim is to help you better understand the truth behind these rumors so you can avoid problems with the IRS.

Zacc and Laura discuss:

The most believable tax myths you might be falling for
How to limit as much estate tax (aka death tax) as possible
Why paying taxes on smaller dollar amounts shouldn’t always be more desirable
Why some of the 1% pay such little in taxes
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Does your employer offer stock options as part of your compensation package?

Whether they do or not, this episode will be helpful for you to better understand the intricacies of stock options.

In this release, Zacc Call and Laura Hadley dive into the topic of employee stock options, discussing what they are, how they work, and their benefits and risks. They also touch on taxes surrounding these types of investments with their guest, Zach Geertsen.

Listen in as Zacc, Laura, and Zach discuss:

How to capitalize on stock options and build a solid plan for investing
ESPPs - Employee Stock Purchase Plans; and the other acronyms you should know
What you should do when your company’s stock price plummets
And so much more

Resources:

Guided Path 4-1 How The Government Calculates Your Taxes
Guided Path 4-2 Roth vs Traditional
Guided Path 4-3 How Non-Retirement Investments Are Taxed
Guided Path 4-4 Retiree Tax Strategies: Helping You Save Money On Taxes

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Are you tired of paying high taxes and want to keep more of your hard-earned money?

In this episode, Zacc Call and Laura Hadley break down various tax strategies to help you save money on your taxes. While they focus on tax strategies geared towards retirees, many of the tax strategies discussed can be applied at any age!

Zacc and Laura discuss:

Different tax strategies for retirees
Some strategies that can be applied at any age
The purpose of tax diversification
How you can set yourself up for success in the future
And more

Resources:

Guided Path 4-3 How Non-Retirement Investments Are Taxed
Giving Smarter - Donor Advised Funds
DAFs – The Packing Cubes of Charitable Giving

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Sometimes people get so caught up in their retirement investments and savings that they forget how to properly manage their non-retirement related investments.

This episode is our way of stopping you from making this mistake.

Spend time with Zacc Call and Laura Hadley as they are joined by Tyler Williamson, Partner & Wealth Advisor at Capita to talk about how your non-retirement investments are taxed, how to limit taxes on capital gains, and so much more!

Together they discuss:

What you can expect to learn in their upcoming seasons of the Guided Path
Important time frames you should be aware of when investing
The different types of non-retirement investments and their taxation
And more

Resources:

Guided Path 4-2 Roth vs Traditional
Guided Path 2-1 Social Security Basics Refresher with Tyler Williamson
Guided Path 1-2 Social Security Basics

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Tyler Williamson:

LinkedIn: Tyler Williamson

About Our Guest:

Tyler Williamson is a partner with Capita Financial Network. He is one of the most tenured advisors at Capita. Tyler is a Social Securities expert and often does presentations about them. Tyler often helps people with a lot of money in high net worth planning. He helps people that have barely saved anything, so he understands a wide array of financial planning issues.

With the sudden shut down of Silicon Valley Bank over the weekend, Zacc and Laura are here to explain how this happened, what is being done to help the situation and if this can have an affect on you as a listener. Tune in now!

We are excited to announce that one of The Financial Call’s most listened to episodes now has a sibling.

That’s right, we are talking about Roth and traditional investment accounts.

In this episode, Zacc Call and Laura Hadley discuss the difference between Roth and traditional investment accounts and how to find out which one is the best fit for your retirement plan.

Zacc and Laura discuss:

Things you probably didn’t know about having a Roth IRA in your 401K
The difference between a traditional and a Roth investment account in retirement
How to decide what investment account to use in your retirement plan
The biggest misconceptions about these investment accounts and how to avoid them
And more

Resources:

The Financial Call: To Roth Or Not To Roth
Guided Path 4-1 How The Government Calculates Your Taxes
Secure Act 2.0

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Taxes are so applicable to everyone and there are some very basic things that people can do if they understand how taxes work that will help them save on taxes, sometimes even thousands of dollars.

In this episode, Zacc Call and Laura Hadley aim to help you better understand your tax return while also providing tax strategies that can help you save money.

Zacc and Laura discuss:

The foundation of how your taxes are calculated
How your investments could be taxed in 2023
How to avoid risky task strategies and minimize your taxes safely
What this season’s tax rates look like and how they will change in the future
And more

Resources:

Guided Path 3-7 How To Start Building Your Investment Portfolio With Rich Gurr, CFP®
Guided Path 3-3 Your Guide To Understanding Bonds

Connect with Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Now that you have learned about the different types of investments, it’s time to put your knowledge to the test and start building your portfolio.

In this episode, Zacc Call and Laura Hadley talk with Rich Gurr, CFP®, on the show to discuss not just how to set up your investment portfolio, but how to avoid the common mistakes beginner investors tend to make.

Rich discusses:

Why risk capacity should be the deciding factor on how you invest your money
The first steps you should take when creating an investment portfolio
The risks of becoming emotionally tied to a certain type of investment
The 70/30 rule and how to use it in your portfolio
And more

Resources:

Guided Path 3-6 Navigating the World of Alternative Investments with Tyson Long, CFP®, CPWA®

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect With Rich Gurr, CFP®:

LinkedIn: Rich Gurr, CFP®

About Our Guest:

Rich Gurr, CFP®, is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around organizing investments, wealth planning, estate planning, tax strategies, and managing people with high net worths.

Standard stock and bond portfolios have done their job well over time, but some investors want to add alternative investments for potentially higher returns and diversification.

Alternative investments come with additional risks, but they may be the answer.

Join Zacc Call, Laura Hadley, and Tyson Long, CFP® as they delve into the often misunderstood world of alternative investments and explain how these options can potentially enhance the diversity and performance of your portfolio. Whether you're a seasoned investor or just starting out, this episode will provide valuable insights and information on the various types of alternative investments available and how to approach them with caution and care.

Zacc, Laura, and Tyson discuss:

Tips for evaluating and choosing the right alternative investments for your financial goals and risk tolerance
The benefits and risks of incorporating alternative investments into a portfolio
The role of derivatives in managing risk and generating returns
The evolution of venture capital, private equity, and small-cap stocks
The importance of diversification and careful research when it comes to alternative investments

Resources:

Guided Path 3-5 Real Estate with Tyson Long, CFP®, CPWA®

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect With Tyson Long:

LinkedIn: Tyson Long, CFP®, CPWA®

About Our Guest:

Tyson Long is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around tackling inflation when you are nearing or entering your retirement.

We must warn you, this episode’s topic can be pretty polarizing in the financial services industry, but that’s not stopping us from doing an episode about it.

In this episode, Zacc Call, Laura Hadley, and Tyson Long, CFP®, discuss the pros and cons of real estate investing and how you can discover whether it is a suitable venture for you in your investing career.

Zacc, Laura, and Tyson discuss:

Why real estate investing can be polarizing in the financial advising industry
Capital markets vs. real estate and how to find out which is more suitable for you
What you should take into consideration when buying rental properties
The tax benefits of investing in real estate vs. investing in land
And more

Resources:

Guided Path 3-4 Understanding The Complexity of Funds With Tim Gottfredson, CFP®

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect With Tyson Long:

LinkedIn: Tyson Long, CFP®, CPWA®

About Our Guest:

Tyson Long is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around tackling inflation when you are nearing or entering your retirement.

We’ll admit…learning about funds can be a pretty complex conversation, but that’s exactly why we have invited Tim Gottfredson, CFP®, on the show, to break this down into the simplest terms.

In this episode, Tim shares his expertise about investing in funds and how you can do so while saving yourself the most amount of money possible.

Tim discusses:

How to limit broker fees and when you can expect them when investing in funds
What an expense ratio is and how you can find the lowest ones
What an Exchange Traded Fund (ETF) is and whether they are a viable investment for you
Why more people are gearing towards ETFs in their portfolios
And more

Resources:

The Financial Call: Guided Path 3-3 Your Guide To Understanding Bonds

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect With Tim Gottfeedson:

LinkedIn: Tim Gottfredson

We’ve talked about the basics of investing, we’ve talked about investing in stocks, but now it is time to discuss everything you need to know about bonds!

Investing in bonds is different from investing in stocks, and in this episode, we are here to help you decide whether they would be a viable investment option for your portfolio.

Zacc and Laura discusses:

The history of bond investments
The benefits of investing in bonds compared to stocks
Everything you need to know about high risk bonds
Why you don’t hear about bonds a lot in the news
And more

Resources:

The Financial Call: Guided Path 3-1 Investing Basics
The Financial Call: Guided Path 3-2 Stocks With Matt Johns, CFP®

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Learning to better understand the stock market and investing as a whole should be a key part of everyone’s retirement plan.

In this episode, Zacc Call and Laura Hadley talk with Matt Johns, CFP®, to share his vast knowledge about the stock market which will help you better understand how you can make your money work for you prior to and during retirement.

Matt discusses:

How easy it is to purchase stocks in the current day
Why you should fully own assets to keep up with inflation
What currency risk is and how you can take it into account when investing
The difference between value, blended, and core stocks
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect With Matt Johns, CFP®:

LinkedIn: Matt Johns, CFP®

The wait is finally over… Season 3 has arrived!

If you are someone who is wanting to jumpstart or even just enhance your investing journey, then you are going to love this season of The Financial Call!

In this episode, Zacc Call and Laura Hadley introduce the topic of season 3, which is investing. They discuss what learning opportunities you will have throughout this season, and the nitty gritty details of kickstarting your investment portfolio.

Zacc and Laura discuss:

How inflation impacts your investment portfolio
How to decide where you want to invest and which accounts you should invest from
What a decision order is and how to find yours
How investing strategies look different when planning for retirement compared to saving for college
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

In 1940, the average life expectancy of a 65-year-old was another 14 years, but today, it is over 20 years.

This means you will probably need to save more money and better organize your finances as your retirement will most likely last longer than those in the past.

In this episode, Zacc Call and Laura Hadley talk with Bart Wagstaff, CFP®, to share how you can start putting your Social Security strategy to work so you can sit back and enjoy your retirement.

Bart discusses:

How to do a personal analysis to find out when you should file for Social Security
How to calculate your own cost of living adjustment
Some real life examples of people who took their Social Security at the wrong time and how you can avoid making the same mistake
How divorce and marriage affects your Social Security benefit
And more

Resources:

The Financial Call: The Different Penalties You May Have On Your Social Security Benefit Guided Path 2-5

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Bart Wagstaff, CFP®:

LinkedIn: Bart Wagstaff, CFP®

About Our Guest:

Bart Wagstaff, CFP®, is a partner and financial advisor at Capita Financial Network. He attended the David Eccles School of Business at the University of Utah which developed his skills in becoming a financial advisor here at Capita Financial Network. Also, he is a Certified Financial Planner and has obtained his Series 7.

When people hear the word ‘penalty’, they automatically assume it’s a bad thing.

But when it comes to Social Security, that isn’t necessarily the case.

In this episode, Matt Johns, CFP®, an employee at Capita Financial Network, discusses Social Security penalties which can help you discover which ones may apply to you in the future.

Matt discusses:

How he helps people like you discover what amount they can expect from Social Security
How financial planners can simplify the complex process of paying into and receiving Social Security benefits
What restricted spousal benefits are and how they can affect you
Some of the experiences he has had when helping people calculate Social Security
And more

Resources:

The Financial Call: Divorce, Remarriage and Death with Jayson McGinnis (Ep.2-4)

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Matt Johns, CFP®

LinkedIn: Matt Johns, CFP®

About Our Guest:

Matt Johns is a fellow Certified Financial Planner at Capita Financial Network who has vast experience and expertise with Social Security planning. He received his Bachelor’s Degree in Finance from the University of Utah and then his Masters of Business Administration (M.B.A) at Westminster College in Salt Lake City, Utah.

Matt has been working at Capita since 2019 and is excited to be on the podcast to share his passion for financial planning and calculating Social Security benefits for not only his clients, but the listeners of The Financial Call.

Zacc Call is joined by Tyson Long to give you a quick summary of Capita's Fall 2022 Educational Bootcamp. Listen for highlights from Kurt Brown's market updates, Tyson's overview of the market from this last year, Erik Soderborg's insights on Medicare costs and options, and Zacc's strategies for saving on taxes when doing a personal audit.

Benefits can be complex to understand, especially when remarriage or spouse deaths are involved.

And by not understanding them in detail, we may miss what we are entitled to get.

In this episode, Zacc Call and Laura Hadley chat with Jayson McGinnis, a wealth advisor at Capita Financial Network, to give details regarding divorce, remarriage, and survivor benefits. Additionally, they explain the strategy in which a couple can get divorced to improve their Social Security benefits and then get married again.

Zacc, Laura, and Jayson discuss:

The benefits you are entitled to get from the person you marry or divorce, and how to maximize them
How ex-spouses aren't notified when they apply for divorce spousal benefits
How a higher income could cancel the continuity of survivor benefits
The importance of keeping track if your ex-spouse is still alive
The time a client had to remarry her current husband to get the benefits of her previous marriage when the husband passed away
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Jayson McGinnis:

LinkedIn: Jayson McGinnis

About Our Guest:

Jayson McGinnis is a Wealth Advisor at Capita Financial Network and a Certified Financial Planner™ professional. He was born and raised in Washington state and moved to Utah after serving a Russian speaking church mission in Sacramento, CA. Jayson obtained his commercial pilot’s license while attending Utah Valley University and earned a Bachelor’s degree in Aviation Science. He made a career pathway change in 2006 from professional pilot to finance. Jayson began his career in financial services in 2007 at Fidelity Investments. He joined Capita in 2019. His ability to simplify complex financial planning strategies has allowed him to educate and connect with clients. Jayson is sincere and warm and enjoys the process of learning the unique needs, goals, and concerns each client has. His mission is to provide a premier planning experience for his clients while creating and managing their plan, helping them avoid pitfalls, and being on deck and available to them anytime a need arises.

Benefits can be confusing when it comes to knowing what's available and how to get them.

For spouses, there are benefits and strategies that not everyone knows about, and once you know them, it's crucial to understand their details to maximize them.

In this episode, Michael Littledike, Founder and CEO of Capita Financial Network, talks with Zacc Call and Laura Hadley to help people understand the Social Security spousal benefits and clarify the most common mistakes they see regarding this topic.

Zacc, Laura, and Michael discuss:

How a spouse is entitled to get half of the other spouse's Primary Insurance Amount (PIA) at full retirement
What happens to the PIA if the primary worker or the spouse takes their benefits before or after their full retirement age
How a divorced spouse can receive benefits out of that marriage if it lasted for at least ten years
The importance of knowing your personal benefits before applying for others
The cost of living adjustment on spousal benefits to keep up with inflation
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Michael Littledike:

LinkedIn: Michael Littledike
Capita Financial Network

Retirement benefits like Social Security make a world of difference for people in retirement.

So how much should you expect to receive from these benefits? And in addition, where does the money from these benefits come from?

In this episode, Zacc Call and Laura Hadley dive deeper into the ins and outs of Social Security by explaining how you can estimate how much you will receive, how to maximize your benefit if you are self-employed, how the government accumulates the money in the Social Security trust fund, and more.

Zacc and Laura discuss:

What FICA tax is and how you benefit from it in the future
“Primary insurance amounts” and how yours is calculated
How to maximize your government retirement benefits if you’re self-employed
What compensation you can expect from the government when retired
And more

Resources:

The Financial Call: Social Security Basics Refresher With Tyler Williamson (2-1)

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

People make a lot of assumptions about Social Security, and unfortunately, this mistake can come back to bite once you are ready to retire.

Despite what many might think, you’ll want to learn about Social Security benefits long before you retire and this episode is the perfect place to do just that!

In this episode, Tyler Williamson shares his expertise about Social Security and explains how you can avoid some of the common mistakes people make when planning their income before and during retirement.

Zacc, Laura, and Tyler discuss:

What you have to look forward to in this season
How to maximize your benefit of Social Security during retirement
Common mistakes retirees make when taking out their Social Security and how you can avoid them
How Social Security is nationally accumulated and how the US is planning to support the overwhelming size of the baby boomer population
And more

Resources:

The Financial Call: Income Planning for Investors Ages 40 to 60

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Tyler Williamson:

LinkedIn: Tyler Williamson

About Our Guest:

Tyler Williamson is a partner with Capita Financial Network. He is one of the most tenured advisors at Capita. Tyler is a Social Securities expert and often does presentations about them. Tyler often helps people with a lot of money in high net worth planning. He helps people that have barely saved anything, so he understands a wide array of financial planning issues.

Now that we have discussed what you need to know as a young investor, we now need to discuss what you need to know as an experienced or wise investor approaching retirement.

If you want to know how to retire as early as possible, you’ll want to listen to this episode.

In this episode, Zacc Call and Laura Hadley provide professional advice about investing and curating your retirement plan in the later years of life and how you can minimize the time it takes you to retire.

Zacc and Laura discuss:

Preventing financial crisis in the later years of life
How to map out your numbers - your debt, future cash flow, and assets
How you can minimize how long it takes you to retire
Why you should use multiple tax structures in retirement
And more

Resources:

The Financial Call: Income Planning for Investors Ages 25 to 40

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Your age has a large impact on how and when you will plan your income, invest your money, and spend your time.

In this episode, Zacc Call and Laura Hadley discuss how individuals aged 25-40 can enhance their income planning strategies and capitalize on the amount of time they have to invest.

Zacc and Laura discuss:

How to increase your earning power
Four ‘financial fires’ that can impact your income
Where you can put your next dollar to organize your income
And more

Resources:

The Financial Call: Retirement Income Risks With Tyson Long, CFP®, CPWA® (Ep.4)

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Inflation can heavily impact your retirement plan, so how can you make your retirement funds grow alongside inflation?

In this episode, Zacc, Laura, and Tyson Long discuss the impact of inflation on people reaching or in retirement. They also highlight how their team takes downturned markets into consideration when formulating personalized financial plans.

Tyson discusses:

The concept of risk inflation and how you can prepare for it in retirement
The ‘retirement danger zone’ when investing your retirement funds
How Capita Financial Network integrates the possibility of low markets into the retirement plans they formulate
Identifies what a sequence of return risk is and the solutions for it
And more

Resources:

The Financial Call: Making Pension Decisions With Bart Wagstaff, CFP® (Ep.3)

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect With Tyson Long:

LinkedIn: Tyson Long, CFP®, CPWA®

About Our Guest:

Tyson Long is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around tackling inflation when you are nearing or entering your retirement.

Pensions aren’t the same for everyone, therefore it is important to organize yours in a way that meets your financial needs and habits.

In this episode, Zacc Call, Laura Hadley, and Bart Wagstaff, CFP®, discuss the ins and outs of pensions and go into significant detail about whether you should take the lump sum or monthly pension benefit.

Bart discusses:

A definition of a required rate of return and how it can be used to your benefit
The process of deciding between a lump sum or monthly pension benefit
The importance of being honest with yourself about your financial habits
The role of a wealth advisor in helping you decide what pension benefit is best suited for your needs
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect With Bart Wagstaff, CFP®:

LinkedIn: Bart Wagstaff

About Our Guest:

Bart Wagstaff, CFP®, is a partner and financial advisor at Capita Financial Network. He attended the David Eccles School of Business at the University of Utah which developed his skills in becoming a financial advisor here at Capita Financial Network.

He is a Certified Financial Planner and has obtained his Series 7.

As you accumulate wealth for retirement, inflation brings down the value of your savings and makes it harder for you to retire comfortably.

In this episode, Tyler Williamson, a Social Securities expert at Capita, discusses the role of Social Security before and during your retirement. He also answers some commonly asked questions about Social Security and describes how to capitalize on the benefits.

Zacc, Laura, and Tyler discuss:

The benefits of Social Security and how it affects your retirement planning process
When to you should apply for Social Security
Spousal planning techniques and how they continue to change
How Social Security combats the effects of inflation on your retirement plan
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Shannon Lundberg
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Connect with Tyler Williamson:

LinkedIn: Tyler Williamson

About Our Guest:

Tyler Williamson is a partner with Capita Financial Network. He is one of the most tenured advisors at Capita. Tyler is a Social Securities expert and often does presentations about them. Tyler often helps people with a lot of money in high net worth planning. He helps people that have barely saved anything, so he understands a wide array of financial planning issues.

The transition into retirement can be spooky. It can leave you nervous thinking about how much money you will need to have in retirement and when it is okay to retire.

In this episode, Zacc Call, CFP®, and Laura Hadley explain how to manage your portfolio withdrawals. They also share the importance of taking the right percentage of your investments out each year and how it can affect your retirement plan.

Zacc and Laura discuss:

What discussions you can look forward to in the coming episodes
Discovering what amount of money you will be satisfied with in your retirement
Strategies to combat inflation leading up to and during your retirement
Finding the right withdrawal rate from your portfolio for a satisfying retirement
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Shannon Lundberg
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Now it's time to learn what you don’t know about Laura Hadley, a wealth advisor at Capita Financial Network and your co-host of the show. In this episode of The Financial Call, Shannon Lundberg interviews Laura Hadley, to get to know who you will be on this journey down the guided path. Laura shares who and what has influenced her along her journey of being a wealth advisor.

Laura discusses:

Her unique journey of working at Capita
Two of her favorite trips she has ever taken
Her biggest pet peeve
How Capita differs from its competitors
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Shannon Lundberg
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

If you haven’t already met Zacc Call, the president at Capita Financial Network now is your opportunity to, in a lighthearted way. In this episode of The Financial Call, Shannon Lundberg interviews Zacc Call, CFP®, to get to know him on a more personal level. Zacc shares past stories you may not have heard before, and he also highlights some of his goals, and a definition of success in his field. Zacc discusses:

How he started working at Capita
One thing he would like to be remembered for
How his 3 biggest interests play a part in his career
His previous career ventures and how they paved the path to work in the financial industry
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Shannon Lundberg
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Financial advice and discussions can sometimes sound like an entirely different language. In this episode of The Financial Call, Zacc Call and Laura Hadley will help you understand the guided path and its purpose no matter where you are with your financial knowledge. Zacc and Laura discuss:

How their show will help you on your path to financial literacy and success
Their main mission to guide you through the financial planning advice
How the guided path is laid out
And more

Connect With Capita Financial Network:

info@capitamail.com
tfc@capitamail.com
(801) 566-5058
Capita Financial Network
LinkedIn: Zaccary Call
LinkedIn: Laura Hadley
LinkedIn: Capita Financial Network
Facebook: Capita Financial Network

Zacc & Luke give newbies a basic understanding of crypto. They explain the good and the bad about the crypto ETFs that are currently available.

The quarterly market recap and insights was totally different than previous quarters. Kurt Brown of Townsquare Capital and Zacc discussed analyzing tax returns, crypto-currency, tech stocks, bubbles, valuations, portfolio turnover, tax-loss harvesting, and more.

Don't get stuck with an unexpected surprise around tax time. You may be left with a large tax bill after selling your home. There are three main types: 1. Your primary residence. 2. A second home. 3. A rental property. Each of these has different tax rules and rates. Zacc explains all three scenarios using real examples from his own life.

Everyone wants to figure out what is going on with Gamestop! Most people have no idea how you sell a stock short much less a hedge fund and a short squeeze. If you want the basic understanding, this is the episode for you. In this episode I explain the basic mechanics of short selling using a twitter thread example from Shaan Puri and basic language so my 10 year-old son can understand it.

Zacc Call & Tyler Williamson discuss Social Security changes to expect in 2021. This is both a podcast episode and webinar found on youtube & thefinancialcall.com. Tyler updates us on new figures for 2021 Social Security and filing strategies. Zacc cover the top two mistakes being made in calculating your break-even age.

Investing is more accessible now than ever before. Now that you can trade at a ZERO-dollar commission, the biggest hurdle is understanding the lingo on the website to place an order. In this episode, Zacc walks you through the basics of stock & fund trading. Zacc places a trade in his daughter’s custodial account. The video is available on YouTube and audio is available on all major podcast providers. Do not be intimidated be the terminology. This episode will help you through it.

Episode 50! I gave my co-workers packing cubes to celebrate my birthday. I am giving you the packing cubes of charitable giving today to celebrate episode 50. Donor Advised Funds are one of the most underutilized planning tools available to charitable givers. In this episode, Zacc breaks down Donor Advised Funds and why more people should be using them. Zacc explains the additional control DAFs provide over tax timing, giving records, and difficult-to-donate assets. Most people do charitable giving wrong. Don’t be most people.

Emily Tate is a teacher who took on the project of improving financial wellness for her fellow teachers. We have an open discussion about the challenges teachers face such as low income and the lack of good financial planning help. We cover the first baby steps beginners should take as they begin financial planning. There are 4 distinct financial fires I believe everyone should extinguish before moving on to other planning topics. Listen to this episode to understand what they are to know if a financial fire is raging in your corner.

Let's discuss the number one client question. "How will the elections affect my investments and my retirement?" Join Zacc Call and Kurt Brown as they dive into the details. During this episode Kurt & Zacc explain why we haven't seen much inflation in spite of unprecedented government spending. Listen hear how Biden's proposed tax changes might affect the economy. Kurt and Zacc help simplify complex economic topics to help investors make sense of strange data.

Join me as I chat with Eric Stuart who is the VP of Life Distribution at Allegis Advisor Group. We are talking all things life insurance and digging into the details of the different types. Life insurance helps people when help is needed the most and many of us need life insurance. Listen to learn which type of policy best fits your needs.

Join me as I talk with Matt Russon from Russon Brothers Mortuary to discuss the somewhat uncomfortable topic of death and funeral planning. We discuss some of the big surprises that family members run into while planning the funeral of a loved one. Tune in to learn about some planning options for services that can save you and your family a lot of time and money.

You can hide from taxes now or reduce taxes later. If you have retirement assets, you can't do both. Jay & Barbara are faced with this exact situation. In this Real Retiree episode, I review their options for preparing for a future tax hit. I explain how it is somewhat paralyzing as neither option feels great. I share their decision and my opinion...which were not the same!

   Listen to this bonus episode all about simplifying college savings. There are some major decisions you must make as a grandparent or parent helping with college savings accounts. I will discuss three different account types being: 529 accounts, custodial accounts, and a normal brokerage account. Tune in to learn more about these three account types and see which one is best for you.

"Tax on a tax" sounds fair right? How much taxes will you owe on your Social Security income in retirement? How much taxes do you pay now to qualify for Social Security? How is your benefit calculated? All these questions are answered in this Retiree Question episode. Our clients are constantly asking, so here is the answer.

Join us today as Zacc Call talks with expert Greg Lyle, who is a University of Utah S.J. Quinney College of Law graduate and member of the Utah State Estate Planning Section. Greg discusses his easy method for getting through the basics of estate planning. Most people need some estate planning work, so tune in to learn more about the four main documents he suggests having which are a trust, will, power of attorney, and advanced directive.

Zacc Call & Capita Advisor Matt Johns discuss the difference between mutual funds and exchange-traded funds. Many people avoid mutual funds because they think they are risky, but that isn't always true. Learn why you need to know the difference between mutual fund ETF active and passive in order to protect yourself from getting ripped off later.

Today we are talking with expert Lee McCullough who is an attorney and partner with McCullough Sparks as well as professor at the J. Reuben Clark Law school located at Brigham Young University. We are chatting about the importance of estate planning to help avoid relationships from crumbling. Join us as we talk about 5 key instruments of estate planning to help maintain the harmony within your family after passing and learn how to avoid major estate planning mistakes.

In this "Retiree Questions" episode, Zacc goes over the logistics of making withdrawals from your portfolio account with the help of fellow Capita advisor Bart Wagstaff and support staff member Calli Case. These three discuss in depth what goes on behind the scenes of withdrawals, taxation, and related investment considerations. The group also touches on Required Minimum Distributions and Qualified Charitable Distributions as they relate to making withdrawals. Listen in to understand all your different withdrawal options

In "Retiree Questions" episodes, Zacc answers the common retiree questions we receive while doing financial planning at Capita Financial Network. When retirees ask whether they should withdraw from their 401(k) or take Social Security, they will get a mountain of uninformed and sometimes terrible financial advice. Most advisors' tools are not equipped to provide an accurate answer to this question. If advisors understand the question, most give ballpark estimates. Frankly, many individuals don't know they should even ask the question. Listen to fully understand how there is so much more to Social Security decisions than a simple break even of total benefits received.

In "Real Retirees" episodes, Zacc talks through real situations and choices retirees must make. Jamison filed for Social Security benefits on his 67th birthday, however, this is likely a mistake. Listen to understand the error and to learn how to fix it.

Pinning up a financial planner against an index fund is a false dilemma. In fact, your financial planner may be investing your money in index funds. They are not in competition with each other. This misconception plagues both clients and advisors. This episode explains why this is such a dangerous comparison to make. You will learn there many financial planning disciplines. If an index fund is believed to be the best investment, you would hope any good financial planner would recommend you invest in the index. There are so many opportunities for improving your finances beyond choosing Dodge & Cox or the S&P 500. Listen to sort out this false dichotomy.

Capita advisors Zacc Call and Matt Johns discuss diversification and the ways it can affect your portfolio. In the early stages of portfolio construction, the diversification benefit is massive. However, it diminishes quicker than you realize. Why is that and how can we avoid it? Listen or watch this new episode to see what’s considered the ‘no man’s land’ when it comes to investing and your portfolio.

Zacc Call and Capita Advisor Matt Johns sit down and discuss the rookie mistakes, or not so rookie mistakes, made when investing. In this episode, they go over examples of mistakes you can and cannot avoid and why you will never have a perfect portfolio.

Dr. Terri Flint, an experienced mental health clinician, and wealth advisor, Zacc Call, spend the lunch hour on this webinar with you to discuss thriving in turbulent times. In a time of social distancing and economic disruption, Terri will discuss the science of resilience and the effects of social isolation.

Retirement can be a tough transition for anyone, even the Jazz Bear. Jon Absey takes off the mask and opens up about his career as one of the most prestigious mascots in the business. He shares what it’s really like behind the scenes and lessons he has learned through his retirement that may change the way you work now. Listen to this episode to hear it all.

Zacc Call & Kurt Brown (Townsquare Capital CEO, President, Chief Investment Officer) help make sense of recent market movements. They discuss the signs that typically show during bottoming markets. Listen to keep up as the news is coming fast!

The dummies, Ansley and Laura, are back. They wanted to learn how to open a Roth IRA account on their own. So, Zacc showed them how. This week's episode consists of step-by-step instructions on how to open up, contribute to, and invest inside a Roth IRA account. There is also a screen-recording of the entire process, so viewers can follow along at home. Zacc answers the dummies' basic questions along the way. Listen to and watch this episode to find out how you can do the same.

Last week’s episode pushed you to think about how much you want to be saving towards retirement. This week’s episode discusses what type of investments you need and uncovers your tool to maintain your retirement savings goal. The Fake Paycheck is the lazy man’s way to budget. Listen to this episode to learn how you can set up your accounts so that the only thing you need to worry about is if your spending account is getting low or not.

Zacc opens up about his personal story dealing with cancer and how that has affected the way he saves for retirement. He discusses the different saving styles of Americans and why saving too much may be too risky. This episode focuses on helping your dollar achieve the highest purpose possible. Learn how to save like a worker and think like a retiree, here.

Terri Flint, the doctor of well-being, teaches us why our new year’s resolutions aren’t working for us. After the diagnosis, Terri lays out a treatment plan to help us better prepare for our goals, assess our readiness, and make changes that actually work for our individual needs.

Outline: Who is Terri Flint? What does she do? Terri discusses what kind of struggles she has faced in retirement.

Focus on the important few and forget the unimportant many.

Terri discusses why resolutions don't work.
1 - Many times we don’t fail to keep our resolutions, but instead we fail to prepare to keep our resolutions.
2 - Are you really ready to put the work in? Not high enough on the readiness scale.
3 - Giving up because you think you’re a failure.

Be a scientist and focus on the environment and what you learned.

Have a growth mindset.

Focus on progress, not on outcomes...measure better!

Terri and Zacc talk about their favorite books to help them achieve change.

Books:
Tiny Habits by BJ Fogg
Essentialism by Greg Mckeown
Atomic Habits by James Clear

Sometimes the numbers don’t always tell you what’s best. Zacc tells the story of Brad & Katie and how their financial goals may be getting in the way of their overall happiness. Zacc lays out their options to both achieve their goals and be happy, but it may be different than what the numbers suggest. Listen to this episode to find out if your financial fears are keeping you from your happiness.

Lester and Robyn have good Social Security benefits, Pension benefits and 2 million dollars saved for retirement, but they are still scared to retire! This episode uncovers the reason why this couple is still nervous to make the jump into retirement, despite their good financial position, and explores the options to plan for concerns. Learn how continuing to work may actually be hurting you rather than helping you!

Case Study of Lester and Robyn. Who are they?

Lester (63.9) works for $80k a year. Robyn (68.3) is retired and has some health concerns. Their biggest concern of retiring is healthcare.

Robyn’s SS: $1800/month at full retirement age, $2200/month right now, or she could wait until 70 for $2600/month
Lester’s SS: $2555/month at 66, right now it’s $2200/month
Robyn’s Spousal Benefit: $1300/month
Robyn’s Pension: $3000/month

Robyn works with Matt Gibson for Medicare.
Lester works with Chris Miller for private health insurance (not qualified for Medicare).

Option 1: Both take their own benefit : $4700/month

Option 2: Robyn could do Restricted Spousal Benefit and get half of Lester’s benefit and Lester could file for his own.

Option 3: Robyn could file for her own and Lester could wait until 70 and get almost $4000/month. Survivor benefit is greater.

Either Robyn or Lester would have to survive until late 90’s or 100’s to make Option 3 beat Option 2.

Option 2 beats Option 1 if either of the two lives until their early 70’s.

Lester’s SS benefit will be affected by his income if he keeps working. Robyn can file for the Restricted Spousal Benefit until Lester is retired. Thus, Option 2 is not possible unless Lester retires.

They are missing out on $45,000/yr of SS due to Lester’s $80,000/yr income.

Not all of SS income is taxed. A lot of pension is taxed, but Lester and Robyn’s tax situation will still be much better when retired.

Effects of income on healthcare costs are discussed.

Overall, Lester and Robyn could earn $89,000/yr during retirement.
What things are keeping you from retirement?

Is it a financial or emotional concern?

Zacc addresses some common concerns.

There are lots of reasons why people get divorced, but have you ever heard of someone getting divorced to get a better social security benefit? Capita Advisor, Jayson McGinnis, shares the story of a client who is considering just that. Sounds crazy? If someone offered you $640,000 to get divorced and remarried, you might do the same. Listen to find out if Sue & Denny split. Surprisingly, a quick divorce could earn you some extra cash.

Are you a government worker or married to one? Three Capita Social Security planners unravel the complicated knot of government social security penalties, such as the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). These penalties mostly apply to those who work in uncovered jobs (not paying Social Security taxes) for a time. Learn about when these penalties apply, where they came from and ways to avoid or work around them. These penalties can take years to understand, but you can get an overall idea in less than 40 minutes, here.

Jeff & Brenda are faced with a life-changing Social Security decision. They could spend $133K of their $200K retirement savings within the first 4 years of retirement in order to get $15K more per year for the rest of their life from Social Security. What would you do? You’ve spent your whole life paying into your Social Security Benefit. This episode explains the strategies that can help you get the absolute most back, in your retirement. Zacc explains the basics of social security, his thoughts on how it will continue in the future and how to plan spousal benefits and delayed filing for your benefit. Listen to an example of a real couple, who may be in the same position as you, and how they could maximize their income by using only a few simple strategies. Find out how you could do the same.

In this episode, Zacc sits down with a group of young men ranging from 11-13 years old. They’re asked a series of questions about their finances and what they do to earn money. What do kids think is the typical average income? How much should kids be earning for jobs at this age? Should they get an allowance? How should they spend their earnings? Listen to hear the different perspectives and advice Zacc gives to these young men.

Advertisements for preferred stocks may catch your attention with phrases like 5.5% return, conservative, safe and not to mention the word “preferred” in their title. However, these stocks tend to be quite the opposite. Turns out, their only real benefit is being second to last in the line of payout in the unlikely case of bankruptcy. This episode discusses how preferred stocks really work, and suggests other investment options that are actually preferred by the professionals.

Today’s episode is with two Medicare experts who help enroll over 6,000 people in Medicare annually. They outline the differences between an Advantage Plan and Supplemental Plans within Medicare. Learn how you can cater and take advantage of your Medicare Plan

"Unicorn" might be my absolute favorite financial term yet. Listen to this episode to make sense of the recent WeWork madness and other unicorn businesses. We cover the difficulty of determining the worth of "network effect" businesses. In other words, the company is losing money, but it is still worth something. We all may have recently dodged a bullet with the re-pricing of the WeWork Initial Public Offering. Listen to figure out how.

You own some of your employer company stock in your 401(k) or ESOP plan. You are about ready to roll the funds out. Put on the brakes! There may be a way of avoiding massive income taxes through Net Unrealized Appreciation (NUA). Listen to hear the stories of Lacey, Robert, and Henry. NUA didn’t make sense for all three, but it saved 2 of them big time. This episode was recorded in a fishbowl at the Wealth/Stack conference in Phoenix, Arizona.

Are you raising a money monster? It is easier than you think. Sometimes your "help" is the root of the issue. This episode describes the most important tips for helping your kids be smarter in money decisions. This works whether or not your kids are still kids.

According to my mother-in-law, the only independently wealthy people sell drugs. However, there ARE legal ways of retiring early. In fact, there are legal ways of getting money out of your retirement accounts without paying the 10% early withdrawal penalty! Don't miss these tricks to retiring early and sticking it to the tax man along the way.

You know "that guy" in your neighborhood who you swear played Ned Ryerson in Groundhog day. You know, the insurance agent from high school who says "You can never have enough insurance right? Am I right or am I right?"

You still can't figure out why you either never hear from your financial professional or you can't get them to leave you alone about a trade or insurance change. Darrin Gunnell was fed up with it and was willing to spend some time on The Financial Call allowing me to pull back the curtain for him of financial professionals' compensation and motivations. Listen up, it will finally make sense.

Pension Deal or No Deal: No, there will not be 26 lovely ladies holding numbered briefcases with different amounts. You'll most likely be sitting across the table from a 40-something year old balding advisor as you make this decision. Don't mess up the math. Listen carefully to ensure your bias or emotions don’t get the best of you as you make the big pension decision...and thank your lucky stars we're not in a black dress.

This is a discussion with two early-twenty year old working students (Ansley & Laura) about all the basic money decisions that happen in the beginning of adulthood. How do you juggle student loans, credit card debt, retirement savings, emergency funds, and paying the bills. "Finances for Dummies" is Ansley's description of this beginner's mental framework for financial decision making.

“Just buy the stocks that are going up.” How do you pick the best stocks? What does “best stocks” mean? Best at what? Minimum Volatility or highest growth? In this Episode Nate Rhees defines what this means to his firm, Alta Capital, which is a Quality Growth stock manager. How do you take the entire stock market with thousands of stocks and narrow it to 30?

Usually you hear people talk about all the different types of stocks and then bonds get lumped in one big category of "interest paying investments". Today’s episode is an interview with Monica Sonnier. Monica has built a tenured career in bond analysis and trading. Bonds can be simply described as a loan to an institution of some type. Listen to the end when we talk about an inverted yield curve and how some believe this is a precursor to a recession.

If you are enjoying TheFinancialCall, leave us a review and share your experience. I hope you enjoy today’s episode.

Larry Gelwix is the Getaway Guru. He is the CEO of Columbus Travel. Today’s episode is all about having fun. For many, travel is the reward for proper financial planning. Maybe you have a bucket list of vacations you do in retirement. Or maybe you are like me and love your job, but don’t want to wait until retirement to experience the world. Larry does an excellent job laying out travel ideas for all of us. Listen carefully as he covers the best ways to get away!

Today’s podcast is an interview with Kurt Brown, the founder of Townsquare Capital. Through an extensive portfolio audit, Townsquare exposes the 5 cardinal sins of portfolio management. Join us today to learn common mistakes of both professional and non-professional investors.

Are you about to sell your business? And donate to charity? Learn how you can give more and earn more, by following a few simple steps. This episode will teach you about the benefits of using a Complex Asset Donation Fund, in a very non-complex way!

If you donate to charity, this episode is for you. Learn how to utilize tax benefits to the fullest, in addition to earning the satisfaction of giving. The most common mistake in donating, is assuming that you will automatically get the best tax benefit for your donations. With only a little extra care, you can avoid this misstep. This episode will teach you how.

After interviewing Matt Gibson about the 5 Retirement Income Risks, we discovered that there are too many Medicare blunders and nuances out there that people need to be aware of. This podcast highlights these common mistakes, and also delves into supplemental Medicare options, Plans F & G. If Medicare makes you nervous, listen up, we know we can help you rest as ease.

What is your goal for your health in retirement? R. John Lassere, MD practices Geriatric Medicine to help his patients live their best life. It isn't always about curing the patient, but helping them live a safe, happy, and honest life. Most retirees anticipate spending less due to doing less as they get older, however they also face inflation. So how will both variables impact your spending? More importantly, what decisions should you be considering now while you have the health? All this and more with Dr. Lassere.

Download And Listen Anytime!

In an interview with Kurt Brown, Founder of TownSquare Capital, we discuss the ways that individuals can invest like an institution. The layers between you and your end investment create inefficiencies that eat away at your possibilities for growth. Listen to Kurt describe his transition from Wall Street to Main Street and the passion behind empowering individuals with the preferential investment structure that has been available to institutions for years.

Download and Listen Anytime!

This episode is part one of a three part series called "Giving Smarter". In an interview with Hal Rosen, CPA with Haynie & Company, we cover Qualified Charitable Distributions (QCDs) as a method for recovering the tax benefit for charitable donations. Most people will take the standard deduction under our current tax code, rendering their charitable giving as tax-irrelevant. If you meet certain criteria, you can get it back.

Today’s podcast we talk about the math myth of Roth’s. The underlying theme of this podcast is don’t be afraid of taxes, be aware of taxes.

Today's podcast covers Medicare Basics with expert, Matt Gibson. If you are lost in the alphabet soup of Part A, B, C, D, E, F, G or advantage plans; or, if you are getting pounded with mailers, scaring you about permanent penalties for inaction, this episode is for you.

Today we cover how to bridge the gap until you can sign up for Medicare at age 65. Today we interview Chris Miller with Miller Wade group. If you’ve been delaying retirement until 65 just to keep health care or if you’re just out right scared of the health care environment, this podcast is for you.

In this podcast, host Zacc Call goes over ways to protect the family relationships that can go sour if not thought about enough prior enough to passing. In addition to that, how we can minimize taxes as a secondary goal.