Kowal Investment Group: Recent Episodes
Kowal Investment Group
With retirement just around the corner, you need a partner you can trust to help navigate the ins and outs of retirement planning. Kowal Investment Group was founded to help you take the necessary steps toward making your retirement match up with the one you’ve always dreamed of. Whether you’re looking for a final push heading into your retirement, retirement asset management and consolidation, or assistance in transferring business assets to retirement assets, our team’s focus is on helping you realize your vision.
You can listen to the Kowal Investment Group's "Retirement Clinic" podcasts, with retirement and investment planning tips and news right here on Soundcloud. This is a previously recorded show.
Kowal Investment Group is a registered investment advisor. For important disclosures please visit our website www.thekowalway.com
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Aaron Kowal highlights common financial scams and tips to help identify financial scam risks. Later Jeff Kowal joins to share thoughts on delaying social security or choosing to take it sooner. And Aaron wraps up the show with key estate planning tools and strategies for high-net-worth families.
Jeff Kowal discusses why healthspan matters just as much as lifespan and touches on baby boomers buying bigger homes instead of downsizing. Later Anthony Priester joins to shed light on senior scams and what to look out for. Then Jeff examines America’s most generous 401k plans and wraps up the show with the great wealth transfer.
Jeff Kowal discusses the number one decision for aging retirees and important questions to ask before you decide. Then he touches on why a living will may not be enough. Later Chaunsy Weisensel joins to share thoughts on why longevity literacy is the missing piece in financial planning. And Jeff wraps up the show with record 401k balances and splurging on travel in retirement.
Aaron Kowal explains the gray-zone years leading up to retirement and key planning moves you should consider ahead of retirement. Then he touches on how you can create retirement paycheck. Later Jeff Kowal joins to discuss income sources for retirees. And Aaron wraps up the show with asset location vs asset allocation.
Jeff Kowal examines the retirement tax break most people overlook and penalty-free withdrawals. Then he touches on aging in place and converting your home for your needs. Later Anthony Priester joins to discuss the social security trust fund report and what it means for current and future beneficiaries. And Jeff wraps up the show with thoughts on retiring early and important estate planning lessons.
Jeff Kowal discusses considerations for those thinking about retiring early and why others are delaying retirement. Then he touches the great wealth transfer and why forced Roth 401k catchup rule could benefit you. And Jeff wraps up the show with the average inheritance people receive and the legal and tax implications.
Chaunsy Weisensel shares tips to help you thrive in retirement and the importance of identifying what retirement looks like for you. Then he discusses the 5 credit card mistakes people make and suggestions to help you avoid them. And Chaunsy wraps up the show by examining passive versus active investing and the benefits and drawbacks of each.
Jeff Kowal discusses the boomer dilemma and potential implications of inheriting real estate. Later Chaunsy Weisensel joins the show to talk about spending too much time on social media in retirement. Then Jeff touches on the average net worth of baby boomers. And later wraps up the show with worries about cash flow in retirement and trouble spending savings.
Aaron Kowal discusses the great wealth transfer happening now and important estate planning essentials for families. Later Jeff joins the show to talk about workers who are opting to retire instead of learning AI. Then Aaron wraps up the show with concentrated stocks and diversification strategies that can help alleviate the tax burden.
Chaunsy Weisensel discusses the implications of 2025 tax law changes and the refunds some are receiving, plus considerations for your refund. Later Jeff joins the show to examine the slow fade to retirement and why you may want to collect social security while you’re still working. Then Chaunsy wraps up the show with the Creative Planning process and what you can expect from your initial meetings.
Jeff Kowal and Chaunsy Weisensel discuss the increase in the “magic number” you need to retire and touch on savings suggestions. Later Jeff and Chaunsy examine financial scams and what you need to watch out for. Then they wrap up the show with tax-efficient strategies for your mandatory IRA withdrawals.
Aaron Kowal discusses what happens to your 401k when you leave a job and what you should do, then touches on what retirement is for and important considerations. Later Jeff joins the show to examine couples with age gaps and the financial challenges they face. And Aaron wraps up the show with asset location vs asset allocation.
Aaron Kowal discusses tax bracket management and why many retirees are paying too much in taxes. Later Jeff Kowal joins the show to share thoughts on why you may want to wait to take social security at age 70. Then Aaron wraps up the show by examining the importance of asset protection planning.
Jeff Kowal discusses why you should start retirement planning in your 20s and the benefits of compound interest. Then Jeff answers how you could handle a timeshare you’ve inherited but don’t want. Later Chaunsy Weisensel joins to share 5 reasons why you should roll over your retirement funds to an IRA. Then Jeff touches on life insurance and wraps up the show with how you can fix your out-of-date trust.
Jeff Kowal examines the ‘silver tsunami’ and what it could mean for millions of jobs, employees and the small business landscape. Later Aaron Spitzner joins the show to discuss Roth conversions and what factors you should consider. Then Jeff wraps up with thoughts on adult kids getting their inheritance sooner and how parents are doing it.
Aaron Kowal discusses what artificial intelligence can and cannot do when it comes to financial planning. Later Jeff Kowal joins to share the best and worst housing markets for retirees and why cities in the mid-west are dominating the housing market. Then Aaron wraps up the show with romance scams and what to watch out for.
Jeff Kowal opens the show with a discussion on the 10 things you need to know about social security. Later Chaunsy Weisensel joins to share the top places to retire for your health and what factors to consider. Then Jeff touches on how rare it is to retire with a million dollars and wraps up the show with thoughts on the great wealth transfer.
Aaron Kowal discusses longevity risk and key components for longevity planning. Later Jeff joins to share 5 financial blind spots for grieving spouses and how you can prepare now. Then Aaron touches on required minimum distribution planning and avoiding tax torpedoes. And wraps up the show with benefits of phantom equity.
Chaunsy Weisensel discusses the importance of having a plan in place and shares a checklist for what you should do if your spouse passes away. Later Jeff joins the show to examine how retiring early is becoming more difficult. Then Chaunsy wraps up the show with tips for teaching your children about money.
Aaron Spitzner opens the show with a review of the Creative Planning process and what you can expect from your initial meeting. Then he dives into how much money parents need to raise children. Later, Jeff Kowal joins to discuss spending in retirement and building a plan around what you have saved. And Aaron wraps up the show with why you shouldn’t rely on AI to plan your retirement and changes to thrift savings plans.
Jeff Kowal discusses the dangers of one spouse handling all the finances and the importance of organization and consolidation. Later, Chaunsy joins to share insights on life expectancy and financial planning. Then Jeff touches on early retirement distribution penalties and exceptions and wraps up the show with navigating unexpected health and financial issues.
Aaron Kowal reviews the 2025 market summary, highlighting key components in the year and how estimates compared to outcomes. Then Aaron shares a New Year checklist for retirees. Later, Jeff Kowal joins the show to discuss the five times when you should not name your spouse as your beneficiary and touches retirement regrets. And Aaron wraps up the show with 2026 tax planning tips for small business owners.
Jeff Kowal discusses how living to age 100 is becoming more common and the importance of planning so you don’t outlive your money. Then Jeff touches on IRA rulings in 2025. Later, Aaron Spitzner joins the show to help answer the popular question, how to know when you are financially ready to retire? Jeff touches on cost of living and wraps up the show with estate planning must haves.
Jeff Kowal opens the show with thoughts on growing brands, social security, long-term care and new contribution limits for 2026. Later Chaunsy joins to discuss why you may want to start giving your money to your adult kids now. Then Jeff touches on why all your retirement savings shouldn’t be in a 401k and wraps up the show with his thoughts about giving money to your adult children.
Aaron Spitzner and Chaunsy Weisensel discuss the state of the markets as the year comes to a close. Then Aaron shares insights regarding year-end tax planning and tax changes under the One Big Beautiful Bill Act. And Chaunsy wraps up the show with benefits of Health Savings Accounts.
Jeff Kowal discusses what can happen when one spouse makes all the financial decisions. Then he touches on life events that can derail your retirement plans. Later, Aaron Spitzner joins to share insights on transferring wealth and assets such as a home. And Jeff wraps up the show with trust reveals and money conversations.
Jeff Kowal and Aaron Spitzner discuss tax items in the big beautiful bill act including senior deductions and social security. Then Aaron touches on Trump accounts and how you can utilize them for your child. Later Jeff shares mistakes people make when transferring their 401ks to IRAs. Then Aaron and Jeff wrap up the show with estate planning mistakes to avoid.
Jeff Kowal opens the show by answering common IRA questions clients are asking financial advisors. Later Chaunsy Weisensel joins to discuss the lack of progress workers are making with retirement savings. Then Jeff touches on considerations for aging in place and wraps up the show why you need to look at total planning, not just what you have in stocks.
Chaunsy Weisensel opens the show with a summary of markets in Q3 and the importance of time in the market. Later, he shares insights on behavioral finance and how you can change your mindset. And then Chaunsy closes the show with charitable donation changes in 2026.
Aaron Kowal discusses the SECURE Act 2.0 and what high earners need to know. Then touches on ways you can catch up on retirement savings. Later Jeff Kowal joins to share how ‘401k leakage’ can drain your retirement savings dry. And Aaron wraps up the show with why wealth preservation matters.
Aaron Kowal discusses key considerations for determining when you should take social security. Jeff Kowal joins the show to share reasons you may want to take social security early. Then Aaron touches on 10 tech tools that can help support your retirement lifestyle and wraps up the show with 401k contribution limits and catch-ups.
Aaron Spitzner opens the show with a discussion on interest rates and borrowing costs, then touches on tax strategies for non-qualified annuities. Later Jeff Kowal joins the show to discuss Roth IRAs and their growing popularity among young people. And Aaron Spitzner wraps up the show with catch-up contributions limits and changes.
Aaron Kowal opens the show with a discussion on the average retirement savings by age group and the saving challenges each generation faces. Then shares 6 tips to help preserve and grow the value of your investments. Later Jeff joins the show to discuss how much Americans say they need to comfortably retire and touches on a common regret many women investors have. And Aaron wraps up the show with benefits of utilizing dynasty 529 plans.
Aaron Spitzner and Chaunsy Weisensel open the show by touching on Kowal Investment Group’s move to Creative Planning, who Creative Planning is and the benefits to the clients. Aaron and Chaunsy then discuss why you shouldn’t take financial advice from social media and wrap up the show with home title theft, plus the things you should know before locking your home title.
Jeff Kowal discusses navigating market volatility and downturns in the market, shares insights on tax-loss harvesting, and touches on potential issues executors and beneficiaries face.
Jeff Kowal explains how getting older is better than it used to be and touches on retirement planning regrets. Chaunsy joins to discuss navigating healthcare insurance when you retire early and various planning options. Then Jeff wraps up the show with insights regarding the widow tax.
Jeff Kowal and Aaron Spitzner discuss utilizing 529 plans and UTMA accounts to save money for children and grandchildren. Then dive into senior scams and cyber fraud and examine how you can protect the people you care about. Jeff and Aaron wrap up the show with thoughts on how you can protect your child’s inheritance.
Aaron Kowal shares how you can stress test your financial plan for major life events to help protect yourself and your family. Jeff joins to discuss what you need to know about retirement income and the IRS. Aaron touches on maximizing business liquidity and then wraps up the show with the power of gifting during your lifetime.
Jeff Kowal opens the show with a reminder about retirement account portability then discusses waning and waxing sibling bonds and how to safeguard them. Chaunsy Weisensel joins to share insights and tips for those who wish to retire early. Then Jeff touches on scam losses and taxes and wraps up the show with thoughts on estate planning priorities for people without children.
Aaron Kowal discusses the important documents every retiree should have and how each can help you and your estate. Jeff Kowal joins to discuss longevity among women and the great wealth transfer, and touches utilizing your 401k as an emergency fund. Then Aaron wraps up the show with insights on how you can protect your portfolio from heirs who aren’t ready.
Jeff Kowal discusses how sudden wealth can lead to financial mistakes and what you can do to manage it. Then touches on Americans using their 401k as an emergency fund, required minimum distributions, and social security. And wraps up the show with the dispute over Jimmy Buffett’s estate.
Aaron Kowal discusses how you can lower taxes in retirement without lowering your lifestyle, examines how the One Big Beautiful Bill Act influences succession planning, and wraps things up with how you can transfer wealth without turning your kids into brats.
Aaron Kowal discusses the One Big Beautiful Bill Act, touches on many of the provisions within the bill, and explains why it is so important to work with a team of professionals to help you navigate through the latest laws.
Chaunsy Weisensel examines the importance of financial organization and shares a ten-step checklist to help make sure you are on track with your financial goals. Jeff Kowal joins to discuss America’s biggest companies cutting their workforces and what to do if you are forced to retire early. Then Chaunsy wraps things up with direct indexing and how it can be utilized.
Jeff Kowal and Aaron Spitzner share new reporting updates for 2025 qualified charitable distributions, discuss how much Americans are saving for retirement and determining how much they may need in retirement. Then Jeff and Aaron wrap things up by touching on five common financial mistakes people make when getting divorced.
Aaron Kowal discusses why you should model your retirement plan more like a family office than a 401k to achieve a more comprehensive approach and touches on inherited IRA rules. Jeff joins to share insights regarding taxes on retirement income. Aaron wraps things up with purpose-based asset segmentation.
Aaron Kowal discusses the behavioral investing mistakes made by many investors and shares tax strategies to consider in succession planning. Later, Jeff joins to discuss IRAs and how they are different and shares a tax fraud scheme from the headlines. Then Aaron wraps things up by examining how tax-loss harvesting can be used in tax planning.
Aaron Kowal discusses what investors should and should not do in the face of increasing prices, shares estate planning updates related to the Tax Cuts and Jobs Act, Jeff Kowal examines common mistakes made amid a divorce, and Aaron touches on charitable giving strategies for Retirees.
Aaron Kowal discusses why chasing returns can hurt your portfolio, later Jeff Kowal shares thoughts on retirees moving to lower tax states and other expenses they need to consider, and Aaron wraps things up with retirement income optimizations.
Aaron Spitzner and Tom Krueger discuss the new landscape for retirement, share insights on Roth IRAs, Roth Conversions, and taxes, and examine tax benefits or lack thereof when relocating.
Chaunsy Weisensel and John White share myths about retirement savings, spending, and more, examine market volatility and history of the markets, and discuss how you can help your children understand money and finances.
Jeff Kowal and guest Karyl Richson discuss how social security was first issued and the confusion around the deceased, examine social security overpayments and the annual earnings limit, and share a story around unintentional fraud and lessons to be learned.
Joe Still and Tom Krueger discuss things to do in volatile markets and things to avoid, share the top 10 ways to enjoy your retirement, and highlight the top active adult communities in 2025.
Aaron Kowal shares common overlooked tax deductions, touches on the benefits of succession planning, discusses the dirty dozen tax scams to avoid, and wraps up with Direct Indexing.
Aaron Spitzner examines risk for those with Dementia and the potential impacts on their financial health, Jeff Kowal joins to share the best things about retirement, Aaron touches on gift tax reminders, and wraps up the show with frequently asked questions on Umbrella Insurance.
Joe Still and John White share withdrawal strategies and your retirement plan, discuss estate plan basics, and examine the key components of an estate plan.
Jeff Kowal and Chaunsy Weisensel examine the additional services and resources offered through Creative Planning and the events that push people to meet with a financial advisor, Jeff discusses some common IRA questions, and shares things you can do now to make your estate simpler for your heirs.
Jeff Kowal discusses the scarcity mindset, working to change your mindset and behaviors in retirement, Chaunsy Weisensel joins to share updates for 2025 catch-up contributions and other options to consider, Jeff touches on tech support scams, and examines estate planning nightmares.
Jeff Kowal examines retirement milestones and rules to keep in mind, Aaron Spitzner joins the show to discuss 4 changes to retirement accounts in 2025, and Jeff shares insights for the ultra-high net worth and the affluent.
Chaunsy Weisensel and Tom Krueger discuss the move to Creative Planning and the services available, share retirement advice for couples, and examine mistakes every investor makes and how to avoid them.
Jeff Kowal discusses 2025 changes to contribution limits and more, shares insights for Millennials saving for retirement, and gives thoughts on retirees’ fears about outliving their money and spending rates.
Jeff Kowal and guest Mark Shiller, attorney with Certus Legal Group, discuss people’s varying relationships with money, how money can change you, and examine common estate planning mistakes people make.
Aaron Kowal and guest Brian MacGillis of MacGillis Insurance discuss increases in insurance costs and what is contributing to it, highlight various types of insurance coverage, examine the need for cybersecurity insurance, and share insights regarding property and casualty insurance for high-net-worth individuals.
Chaunsy Weisensel shares the best and worst states to retire in and why, discuss why you are not too young for an estate plan, and Jeff Kowal joins to share insights regarding Roth conversions and required minimum distributions.
John White and guest Mike Smith of CPS Horizon highlight November as Long-term Care Awareness Month and why it is so important, examine costs of Long-term Care with and without coverage, share insights for determining the coverage you need, and touch on inherited IRAs.
Aaron Spitzner and Mark Maynard of Senior Benefit Solutions discuss Medicare annual enrollment, answer common Medicare questions, and share insights regarding income planning for Medicare premiums.
WKLH’s Dave and Dorene ask Alyssa Johnson when the best time is to meet with an advisor, discuss the importance of women being involved in the process, share educational opportunities Kowal [Investment Group offers throughout the year, and what the process is to get started with Kowal.
WKLH's Dave and Dorene ask Aaron Spitzner about what it means to be a Fiduciary, discuss fee-based versus commission-based, the benefits of working with a Financial Advisor, and navigating different scenarios.
WKLH's Dave and Dorene share personal experiences with Jeff Kowal, discuss planning for retirement and ‘what if’ scenarios, and touch on changing your mindset in retirement.
John White and guest Gifford Collins of Collins Law discuss the importance of estate plans and why you need one, shared insights regarding preparing an estate plan, and examine the potential sunsetting of the Tax Cuts and Jobs Act.
Jeff Kowal and Aaron Spitzner discuss the impact the upcoming election may have on the stock market, share thoughts on retirement savings early withdrawals and savings mistakes, and examine how you can help your family wealth last for generations.
Jeff Kowal and Joe Still discuss things you should consider before retirement, examine the pros and cons of early retirement, and share common reasons why families argue over inheritances and how to avoid them.
Aaron Kowal and guest Tim Nettesheim of N2 Advantage Law discuss negotiations when selling a business, share insights on when it is a good time to sell your business, and examine how the current economy and upcoming election play a role in selling conditions.
Aaron Spitzner shares “buyer beware” situations with annuities and fraud, Jeff joins to examine what you should do with your 401k when you retire, and Aaron discusses strategies to avoid a big tax bill when you inherit an IRA.
John White discusses behavioral finance and the emotional side of investing, Jeff Kowal joins to share milestone dates and rules to keep in mind in retirement, and warp things up by touching on the upcoming presidential election and the stock market.
Aaron Spitzner and Chaunsy Weisensel discuss the consumer slowdown as Americans begin to scale back, examine what a fiduciary is and the legal responsibility that is upheld, and share insights regarding beneficiary reviews.
Jeff Kowal and guest, Al Spiegel with The McLario Firm, discuss generational wealth and tax laws, share insights for keeping family wealth in the family, and touch on how you can keep your heirs from blowing their inheritance.
Aaron Kowal and guest Mike Smith of CPS Horizon discuss how to determine how much insurance you need, examine a Supreme Court ruling on buy-sell agreements, and share an alternative for paying taxes on inherited IRAs under the SECURE Act.
Jeff Kowal and Anthony Priester examine what you need to know about Roth 401ks, discuss phasing in the retirement dream, and share insights regarding whether you should or should not start gifting money to your heirs now.
Chaunsy Weisensel and John White discuss saving for retirement early and how Gen Z is doing so far, share 9 things you will likely spend less money on in retirement, and examine the Generation-Skipping Transfer Tax.
Aaron Kowal and guest Mark Andringa, Partner with Cramer Multhauf, discuss what a Healthcare Power of Attorney is and when you need one, examine buy/sell agreements for business owners, and share insights for incorporating gifting strategies in your estate plan.
Jeff Kowal and Joe Still discuss things to consider when selecting a new place to live in retirement and 8 great places to look at, examine retirement account balances and how much you need, and share insights regarding tax faux pas when planning who inherits what from your estate.
Aaron Spitzner and Jeff Kowal discuss what to do with your 401k when you retire, share insights regarding discussing retirement finances with your spouse, and examine naming an executor to your estate.
Jeff Kowal and Chaunsy Weisensel discuss reasons a persona may want to claim social security early, share legal problems your family can encounter when you don’t update your beneficiaries or estate plan, and examine Spousal Lifetime Asset Trusts (SLAT).
Aaron Kowal and guest Joe Braier, President of Lake Country Advisors, discuss the psychological aspect of selling your business, share items to focus on to help drive the value of your business, and review the first steps you should take when you decide to sell your business.
John White and Anthony Priester discuss the steps you need to consider when planning for retirement, share estate planning mistakes, and examine estate taxes and the Tax Cuts and Jobs Act.
Jeff Kowal and Chris Berens of Horicon Bank discuss what a Corporate Trustee is and who would use one, examine the benefits of having a Corporate Trustee, and share real-life examples of how things can go wrong and when things go right.
Aaron Kowal and guest Mike Senkbeil of Chortek discuss how AI is being used in cybersecurity attacks, examine the cybersecurity curve to determine where your business falls, and share thoughts on why AI is like the Manhattan Project.
Aaron Spitzner and Chaunsy Weisensel discuss the average age Americans are retiring at – it's sooner than planned, examine why some are concerned they cannot achieve financial security in retirement, and share insights on qualified charitable distributions and donor-advised funds.
Joe Still and guest Mark Maynard of Senior Benefit Solutions discuss applying for Medicare, examine the various types of Medicare plans, and share why it is important to work with trusted professionals as you plan for Medicare and retirement.
Jeff Kowal and guest Al Spiegel of The McLario Firm discuss what a special needs trust is and who needs it, examine First Party Trusts vs Third Party Trusts, and share insights to amending your estate plan.
Jeff Kowal and John White examine what a Monte Carlo Analysis actually means, discuss the retirement magic number – how much is enough, and share insights regarding estate planning, inheritances, and blended families.
Aaron Kowal and guest John Koenig, of Elder Advisors Law, discuss the important legal documents you need to have in place, examine traditional estate planning vs. modern estate planning, and share insights regarding shared trusts.
Joe Still and Anthony Priester discuss if the average American is prepared for retirement, share insights for how Americans can start answering their planning and savings questions, and examine rules around rolling over a 529 plan to a Roth IRA.
Jeff Kowal and Karyl Richson discuss social security benefits and when to take your benefits, examine if social security will run out, share insights for stopping benefits if you go back to work, and touch on overpayments.
Jeff Kowal examines rules around 72Ts and in-service withdrawals, Aaron Spitzner joins the show to discuss how Americans are treating their 401ks like an ATM, and Jeff wraps things up with common IRA mistakes and shares insights for the surviving spouse.
Aaron Kowal and Mike Smith of CPS Horizon discuss strategies for withdrawing from inherited IRAs, examine long-term care planning, costs, and plan options, and share insights regarding Trump’s potentially expiring tax cuts.
Aaron Spitzner and Joe Still discuss little known rules about IRA contributions, share the worst retirement mistakes to avoid, and touch on FDIC coverage limits and work arounds.
John White, Pam Foti of Vesta Senior Network, and Christie Toson of The Tribute Companies discuss the aspects of end of life planning, highlight the importance of proactive planning, and share myths about elder care.
Jeff Kowal and Chaunsy Weisensel examine the added value of working with a Financial Advisor, discuss how 65-year-olds are redefining a milestone, and share important things you should know about estate planning.
Jeff Kowal shares signs for when it may be time to let someone else manage your money, examines the great wealth transfer and who is receiving most of the money, and discusses Federal tax breaks for charitable giving.
Aaron Spitzner and Chaunsy Weisensel examine your chances of being audited and what are tax return red flags, share insights for leaving assets to your heirs, and weigh the tax implications when you are considering selling a home.
Joe Still and Jeff Kowal share the biggest mistakes retirees say they have made and what they would do different, discuss the savings issues of many Gen Xers and what they can do different, and examine the rules when a trust or estate is named as the IRA beneficiary.
John White and Jeff Kowal share thoughts on what is ahead for us in 2024, examine rule changes and updates in contribution limits for this year, and discuss Bitcoin ETFs.
Aaron Kowal and guest Rhett Holland of Holland Law discuss the estate planning process, share insights for family business owners with children in the business and not in the business, and touch on protecting your assets from unwanted recipients.
Jeff Kowal and Aaron Kowal discuss making wealth management decisions as a couple, examine asset protection planning mistakes, and share problems inheritors face after a wealth transfer.
Jeff Kowal discusses myths about money in retirement, Aaron Spitzner shares financial scams to be aware of, Jeff touches on problems with do it yourself planning, examines utilizing net unrealized appreciation, and discusses who would decline an inheritance and why.
Jeff Kowal discusses the wealth tax and what the Biden administration is wanting to implement, touches on how you can determine whether you can spend more or not, shares insights regarding blended families and blended finances, and examines penalties around violations of IRA rollover rules.
Aaron Kowal shares year-end tax planning ideas to help reduce taxes, discusses effective year-end tax planning ideas for business owners, examines in-retirement money mistakes and how you can avoid them, and touches on donor-advised funds.
Aaron Spitzner and Joe Still discuss ways you can help your grandchildren in retirement, share insights regarding Health Savings Accounts and Flexible Savings Accounts, and examine the need for disability insurance.
Jeff Kowal and Marie McFarland discuss year-end tax planning items to consider, share thoughts on how you know when to retire, and navigate potentially risky money moves in retirement.
Jeff Kowal and Joe Still discuss the process of transitioning into retirement, share year-end tax saving opportunities, touch on rule changes coming in 2024, and examine considerations regarding passing money onto your heirs before or after you pass away.
Aaron Kowal and guest Chris Berens of Horicon Bank discuss how you can keep family wealth in the family, examine working with a third-party trustee to ensure your wishes are carried out, and share insights for why a family business owner should work with a corporate trustee.
Aaron Spitzner and John White discuss the three enemies of investing and one friend, share thoughts on choosing to live on a cruise ship in retirement, and examine stock dumping for year-end tax planning.
Jeff Kowal and guest Mark Maynard of Senior Benefit Solutions discuss what Medicare is and who it is for, examine the different Medicare plans and coverage, highlight the importance of proper planning, and share insights for reducing your Medicare premiums.
Jeff Kowal and Marie McFarland share a pre-retirement checklist for all ages, discuss rules around inherited IRAs and options for beneficiaries, and review estate planning ideas if the Tax Cuts and Jobs Act ends.
John White and Chaunsy Weisensel apply the Monte Carlo Analysis to investing and rate of returns, discuss common questions clients are asking about retirement, and share estate planning mistakes to avoid.
Jeff Kowal addresses concerns for retirees amid the looming government shutdown, discusses how Americans are feeling about their financial security, shares insights on after-tax retirement accounts, and reviews tax breaks and benefits of Qualified Charitable Distributions.
Aaron Spitzner and Chaunsy Weisensel discuss investor behavior and returns, review strategies for minimizing your taxes in retirement, and share insights for investors who are making interest income on bonds and CDs.
Aaron Kowal and guest Brian MacGillis of MacGillis Insurance discuss changes we are seeing in insurance rates, what is causing rate increases, understanding your insurance coverage, reviewing various types of insurance, and touching on insurance needs for high-value homes.
Jeff Kowal celebrates 22 years of The Retirement Clinic, discusses how articles on 401k hardship and 401k millionaires can both be true, examines tricky tax questions for IRA owners, and shares insights into taking advantage of Trump’s tax cuts before they expire.
Aaron Kowal and guest Mark Andringa of Cramer Multhauf Attorneys discuss why everyone should have an estate plan, examine the various components of an estate plan, share insights regarding succession planning for a family business, and touch on how an estate plan can protect your minor and/or adult children.
Chaunsy Weisensel and Marie McFarland share the 4 barriers to breakdown for a successful retirement, discuss the averages of how we stack up when it comes to retirement, touch on how retirees spend their day, and answer the question of if you can afford to never work again.
Jeff Kowal and Aaron Spitzner discuss expenses in retirement, explain the go-go, slow-go, and no-go years of retirement, touch on Required Minimum Distribution rules, and share insights to a key tax deduction Congress has ended.
Joe Still and Chaunsy Weisensel examine if $1 million is enough to retire, discuss how to know when it’s time to fire your financial advisor, and share things you should consider before passing an inheritance to your children or grandchildren.
Aaron Kowal and Mike Senkbeil of Chortek discuss cybersecurity threats to individuals and businesses, examine how to use technology safely, and share insights for how to protect yourself, your money, and your business from cybercriminals.
Joe Still and John White discuss the 3 Ps of creating a happy retirement, share insights on when to take social security and the questions you need to answer, and examine a high-earner tax break that Congress may be ending.
Marie McFarland and John White discuss strategies for withdrawing from your retirement accounts, share insights regarding diversifying your portfolio with both US and international stocks, and examine family wealth dynamics and legacy planning.
Jeff Kowal discusses navigating the ins and outs of retirement planning, examines IRA mistakes to avoid, gives insights on Roth conversions, and shares thoughts on leaving and inheritance or giving to your kids now.
Jeff Kowal discusses converting wealth into a lifestyle that will last a lifetime, shares insights on the opportunities consolidating can create, gives considerations for saving in your 50s, and examines healthcare costs in retirement.
Aaron Spitzner and Joe Still discuss concerns surrounding social security, touch on mistakes made with Roth IRAs, highlight ways you can lower your taxes on your RMDs, and share why it is important to have a plan for what you are going to do in retirement.
Jeff Kowal and Marie McFarland discuss the importance of having a plan to crack your nest egg, touch on unpredictable aspects of retirement, examine key changes in the SECURE 2.0 Act, and share insights on securing your digital life.
Aaron Kowal and guest Ray Moulis of Fiduciary Partners Trust Company touch on concerns around computer program generating wills and trusts, discuss why you need professional administration of your estate, share insights to avoid potential disputes, and examine estate tax exemptions.
Jeff Kowal discusses how the Kowal streamlined retirement planning process helps you prepare for retirement, shares insights on IRS tax rule changes as you age, examines pension plan lump sum payouts, and gives tips for keeping family wealth in the family.
Aaron Kowal and guest Joe Braier of Lake Country Advisors give advice for business owners and those hoping to own a business by diving into how to prepare to sell your company, sharing insights on business interest rates, and discussing business value drivers.
Aaron Spitzner and Chaunsy Weisensel share insights regarding FDIC coverage and SPIC coverage, examine the confidence level of retirees in retirement, and discuss things to consider as you prepare to pass an inheritance to your children.
John White and Mike Smith of CPS Horizon the crucial role life insurance plays in a financial plan, share insights regarding long-term care insurance, and discuss planning for the end of the Tax Cuts and Jobs Act as it relates to estate planning.
Aaron Spitzner gives an update on the stock market, shares insights regarding social security income planning, identifies financial fraud red flags, and discusses converting your 529 plan.
Chaunsy Weisensel and Marie McFarland discuss four key components of retirement income planning, share insights on planning for life expectancy, examine retirement budget vs expenses, and what to do if you name a minor as the beneficiary of your IRA.
Aaron Kowal and guest Kelly Brown discuss the failure of Silicon Valley Bank, explain the details of FDIC bank deposit coverage, share insight into commercial banking, and examine the state of the banking industry in current economic conditions.
Jeff Kowal and Karyl Richson discuss updates for Social Security, answer listener questions, examine the characteristics of spousal benefits, explain the impact of temporarily suspending benefits, and share insight into the future of Social Security.
John White discusses banks in the current economic environment, explains which types of accounts should be included in a trust, and is joined by Jeff Kowal to examine a potential increase in the Social Security retirement age and the impact of inflation on retirement.
Aaron Kowal and guest Chris Berens from Horicon Bank discuss the role of a corporate trustee in an estate plan, review buy-sell agreements, explain the importance of a power of attorney document, and examine various trust planning scenarios.
Jeff Kowal and John White discuss how volatile market conditions can impact the 4% rule for withdrawals in retirement, explain a new feature of 529 plans under the SECURE 2.0 Act legislation, and examine the characteristics of Special Needs Trusts.
Marie McFarland discusses women’s financial health and involvement in the financial planning process, sheds light on women in finance, examines retirement income and tax implications, and emphasizes communication in estate planning.
Chaunsy Weisensel discusses the top 10 US states to retire in, and is joined by Jeff Kowal to examine ways to save on your tax bill for next year and to shed light on common estate planning mistakes.
Jeff Kowal and Chaunsy Weisensel discuss do’s and don’ts to follow regarding your retirement in times of uncertainty, examine planning for longevity, walk through ways to prepare for a recession in retirement, and explain the possibility of a wealth tax.
Aaron Spitzner discusses the best states to retire to in the US, explains what you can do if you have a forgotten 401(k) account, shares insight into 401(k) savings checkpoints, and is joined by Jeff Kowal to examine taking required minimum distributions in a bear market.
Jeff Kowal discusses how to take an early withdrawal from an IRA, shares insight into saving outside of retirement accounts, examines four financial choices you can make if you don’t need your RMD, and is joined by Marie McFarland to explain the four percent rule for drawing from your retirement savings.
Aaron Kowal and Mike Senkbeil of Chortek discuss the role cybersecurity plays in your financial life, share insight into business software security features, examine FTX and the cryptocurrency market, and emphasize protecting your wealth with umbrella liability insurance.
Joe Still and Ray Arndt discuss the SECURE Act 2.0 legislation, touch on changes with required minimum distributions, examine new Roth features in employer-sponsored retirement plans, and share insight into expanding qualified charitable distributions.
Jeff Kowal discusses the performance of the stock market last year, explains the net unrealized appreciation of company stock, and is joined by Marie McFarland to examine the effects of rising costs on retirees.
Joe Still and Aaron Spitzner discuss continuing care retirement communities, examine New Year’s resolutions regarding your financial life, and share insight into what to ask when interviewing a financial advisor.
Jeff Kowal discusses financial tasks to complete before the end of the year, explains how to engage in tax-loss harvesting, shares insight into RMD planning, and is joined by Aaron Spitzner to examine financial considerations for retirees going back to work part-time.
Jeff Kowal and Joe Still discuss the benefits of starting your financial plan early, examine when people retire, walk through health care coverage for those retiring before Medicare age, and share insight into what to do after receiving a financial windfall.
Aaron Kowal and Brian MacGillis of MacGillis Insurance discuss the role of insurance in your financial plan, examine current trends in the insurance industry, share insight into wintertime insurance concerns for your business, and explain four considerations in creating a pre-litigation plan.
Chaunsy Weisensel and John White examine tax changes for the upcoming year, share insight into money moves you’ll be thankful you made, and discuss the basics of forming an estate plan.
Marie McFarland and Chaunsy Weisensel explain an IRS rule change regarding inherited IRAs, discuss how fear and emotion can affect your financial decisions, touch on estate planning considerations for high-net-worth individuals, and share three year-end financial tasks to complete.
Aaron Kowal and Mark Andringa of CMH Law discuss making financial decisions before facing the cognitive decline that comes with age, emphasize succession planning for business owners, and share insight into irrevocable life insurance trusts as an option to reduce estate tax consequences.
Jeff Kowal and Mark Maynard of Senior Benefit Solutions examine options to consider when planning for Medicare, discuss the difference between Medicare Advantage plans and Medicare Supplement plans, address custodial care and Medicare coverage, and explain an updated IRS ruling.
Aaron Spitzner and Marie McFarland discuss proposed retirement legislation, explain tax consequences of 529 plans, share insight into common IRA errors, and examine annuity investments for high-net-worth individuals.
Joe Still discusses what to do and what not to do with your financial plan in a bear market, examines the characteristics of I bonds, and walks through how to give charitably by investing in donor-advised funds.
John White and guest Mike Smith of CPS Horizon discuss the importance of having a plan for potential long-term care needs, emphasize estate planning for your business, share insight into life insurance considerations, and explain a tax law change that will impact estate planning.
Aaron Kowal and guest Matthias Bollmus of Heya Consulting discuss business owners and the significance of understanding people and business; examine employee retention, turnover, and engagement; and share insight into simplifying and clarifying your financial life as you age.
Jeff Kowal discusses current economic and market conditions, walks through options for adjusting your financial plan, examines portfolio considerations for the end of the year, and shares insight into communication in the estate planning process.
Aaron Spitzner and John White examine proposed legislation impacting retirement plans, share an exercise to help estimate your retirement needs, discuss Roth conversions, and touch on the increasing number of IRS audits.
Marie McFarland examines taking a lump sum payout versus the annuity option in a pension plan, shares instances of real-life mistakes that led to tax penalties, and Jeff Kowal gives insight into the expertise a financial advisor can provide.
Jeff Kowal gives an update on the economy and stock market, discusses reasons you may want to consider a Roth conversion before the end of the year, touches on social security news, and reviews what can be done to accounts after death.
Joe Still and Chaunsy Weisensel give an update on the stock market, discuss the most common question clients are asking right now, review the history of bear and bull markets, share insights regarding Roth conversions, and touch on steps for proper estate planning.
Jeff Kowal discusses the tax hikes from the recently passed budget bill, shares insights into early withdrawals from your IRA, answers caller questions, and reviews the responsibilities of an estate executor.
Aaron Kowal and Brian MacGillis discuss the impact of inflation on the insurance industry, examine insurance considerations for business owners, share insights into individual insurance needs, and explain a process for wealth planning.
Aaron Spitzner and Chaunsy Weisensel give an update on the stock market, discuss the effect of interest rates on lump sum pensions, explain the characteristics of I Bonds, and examine taking a tax deduction for charitable donations.
Jeff Kowal and Marie McFarland discuss tax considerations in retirement, answer listener questions, examine taking a pension as a lump sum or an annuity, and share insights into the guilt associated with inheriting wealth.
Jeff Kowal and Chaunsy Weisensel share insights into whether investors should be making big changes to their financial plan, provide business owners with steps for developing a continuity plan, examine Qualified Charitable Distributions, and discuss inheritance considerations.
Aaron Kowal and guest Mike Smith of CPS Horizon review the SECURE Act, share insights into a business’s buy-sell agreement, consider new developments in the insurance industry, and discuss the comprehensive nature of wealth planning.
Jeff Kowal and guest Karyl Richson discuss the future of Social Security, answer caller questions, explain the IRMAA penalty on Medicare premiums, and share insights on when to take Social Security and Medicare.
Jeff Kowal spoke with WISN radio host Jay Weber about retirement planning in the current economy and stock market. They discussed reasons to stay invested and refrain from timing the market, the timetable of a typical market recovery, whether or not to invest cash positions, rebalancing in the portfolio, and the condition of the economy.
Marie McFarland and Chaunsy Weisensel give a quiz on retirement accounts and Social Security, answer caller questions on agency bonds and Roth accounts, discuss living in retirement, and touch on tax planning.
Aaron Kowal and Joe Braier, President of Lake Country Advisors, discuss the market for buying and selling businesses, explain the process of selling a business, touch on charitable planning, and share insights on aspects of a business that can impact its value.
Aaron Kowal and Kelly Brown, CEO of American Deposit Management, explain inflation’s impact on individuals, examine the Federal Reserve and rising interest rates, discuss the current economy, highlight the earnings credit program for businesses, and share insights into transferring values, in addition to wealth, to heirs.
Aaron Spitzner and John White share an update on the current economy and stock market, discuss the importance of planning for Social Security, answer a caller’s question about Roth IRA conversions, share insights into why some retirees are re-joining the workforce, and examine the anticipated passage of the SECURE Act 2.0.
Jeff Kowal and Joe Still discuss seven surprising facts about retirement, answer a caller’s question about investing in Bitcoin, share insights into the emotion associated with spending in retirement, and explain how a large inheritance can be shared.
Jeff Kowal gives an update on the current economy and stock market, discusses the “motherhood penalty,” shares a rule clarification surrounding the SECURE Act, explains 401(k) vs the Roth 401(k) and things to consider while selecting which account you would like to contribute to, and gives insight to taxes in retirement.
Jeff Kowal and Chaunsy Weisensel discuss the pieces of creating a successful retirement plan, share insights regarding the SECURE Act 10-year rule for beneficiaries, special guest Tim Bullard calls in for this week’s BOSS Segment, and Jeff touches on avoiding unintended beneficiaries.
Jeff Kowal discusses the concept of phased retirement, shares insights regarding the SECURE Act 2.0, touches on the current stock market behavior in relation to the war, and shares a story about divorce, money, and emotions.
Jeff Kowal and John White are briefly joined by Tim Bullard of Lake Country Advisors who corrects some misconceptions about selling your business in the current market, John white shares insights regarding Bitcoin, and Jeff Kowal discusses Tax-free Roth options and shares a story about early inheritance issues.
Jeff Kowal and Marie McFarland share the 6 mistakes you should avoid when choosing a financial advisor, discuss things 401(k) millionaires should consider, and shed insight on estate executors and removing trustees.
Jeff Kowal gives an update on the stock market, shares an interesting statistic about the great resignation, discusses the Federal Reserves’ first interest rate hike since 2018, and talks about the adjustments to estate and tax planning for 2022.
Joe Still and Chaunsy Weisensel share insights regarding the current market, discuss do’ and don’ts in a down market, walk through the popular question ‘Do I have enough to retire?’, and touch on protecting your payments from fraud.
Jeff Kowal and Aaron Spitzner share tips for retirees during a down market, touch on elder abuse and protecting you and your loved ones, and discuss what you need to know about inherited IRAs.
Jeff Kowal and John White explain the Monte Carlo simulation and market timing, share thoughts on expectations for the rest of the year, and discuss how you can prevent unwanted beneficiaries from gaining access to your estate.
Jeff Kowal and Chaunsy Weisensel discuss the great resignation, what you should do about your old 401(k), touch on the best and worst assets to leave to your heirs, and explain why it’s so important to not only discuss your wishes but to put everything in writing.
Aaron Kowal and Rhett Holland of Husch Blackwell discuss estate planning, structuring inheritance and trusts, estate planning for your business, and potential tax law changes for estate taxes.
Jeff Kowal shares two things to do when the stock market gets crazy, shares insights regarding social security funding, answers caller questions, and discusses charitable remainder trusts.
Jeff Kowal and Marie McFarland discuss your 2022 financial to-do list, explain how you can avoid penalties if you didn’t take your 2021 RMD, and examine the best and worst assets to leave to your heirs.
Jeff Kowal and Joe Still discuss what you should consider while preparing for retirement, share insights into small business retirement plans, touch on inflation expectations, and emphasize proper planning.
Aaron Kowal and Mike Senkbeil of Chortek discuss what happened in 2021 with cybersecurity, explain the Cybersecurity Curve points, share insights regarding the importance of protecting your assets, and shed light on the Dark Web.
Aaron Spitzner and Chaunsy Weisensel discuss how to set yourself up for a financially successful 2022 with 9 resolutions, explain the adjusted 2022 retirement account contribution limits, and examine the two government bills to watch this year.
Jeff Kowal discusses who can be estate plan beneficiaries and how to arrange for them, reviews Barron’s outlook on 2022 considering the stock market, inflation, and the supply chain, and shares thoughts on “Grey Divorce.”
Jeff Kowal and Joe Still discuss the challenges and rules around inheriting assets, share thoughts on inflation and how to plan for it, and review an executor’s checklist of responsibilities.
Aaron Kowal and guest Chris Berens of Horicon Bank discuss the importance of having your affairs in order and well documented, the benefits of a corporate trustee, and being a Power of Attorney.
Jeff Kowal and Marie McFarland share year-end tax planning moves, discuss the biggest mistakes people make with IRA rollovers, and offer insights into gifting money to children.
Jeff Kowal and Aaron Spitzner discuss important year-end planning moves, review the retirement readiness checklist, and share insights regarding the year of death RMD.
Jeff Kowal discusses how workers are saving for retirement, examines the recently passed infrastructure bill, and shares insights for educating inheritors of family wealth.
Jeff Kowal and guest Mark Maynard of Senior Benefit Solutions discuss the four parts of Medicare, share insights regarding annual enrollment, and answer caller questions regarding Medicare.
Jeff Kowal shares insights into consolidating accounts to simplify retirement, discusses the best year-end tax planning moves, elaborates on how congress is targeting IRAs.
Jeff Kowal and Chaunsy Weisensel discuss important financial matters to consider after the death of a spouse, share insights regarding tax traps in retirement, and review charitable gifting options for your retirement assets.
Joe Still and John White share thoughts on what to do in retirement, discuss rules with Roth IRAs, and share insights into conversion strategies.
Joe Still and guest Karyl Richson share insights into Social Security, answer listener questions, and take a social security quiz – what do you know about social security.
Aaron Spitzner guest Mike Smith of CPS Horizon discuss Life Insurance and Long-term Care Insurance and answer common questions such as how to plan, and do you really need long-term care, and share insights regarding Second to Die Life Insurance plans.
Jeff Kowal discusses retirement law changes and proposed changes to the SECURE Act, shares the history of changes to Roth IRAs, and examines mega backdoor Roths.
Jeff Kowal and Aaron Kowal celebrate the 20th anniversary of The Retirement Clinic on WISN, answer caller questions and share insights regarding charitable remainder trusts.
Aaron Spitzner discusses dos and don’ts for retirement, answers caller questions, and shares options for charitable giving in 2021.
Jeff Kowal shares “get off my lawn” moments, answers caller questions, gives insights for Roth conversions and discusses the possibility of stocks facing higher capital gains taxes.
Jeff Kowal and Chaunsy Weisensel discuss the need to plan for long-term care now, where Americans stand with retirement savings, and keeping family wealth in the family.
Jeff Kowal and John White answer Roth Conversion questions, discuss the two ways to measure your return on investments, share insights regarding when to take social security, and financial horror stories you’ll want to avoid.
Aaron Kowal and guest Michael Sinkbeil of Chortek discuss cybersecurity threats, protecting yourself and your business from cyber-attacks, password recommendations, and share insights for backdoor Roth contributions.
Joe Still and John White explain the Fiduciary Standard, share expectations for your relationship with your financial advisor, and give options for paying college tuition.
Jeff Kowal shares insights for retirement planning, discusses the possibility of cognitive decline and how to prepare for it, and shares thoughts on President Biden’s proposed death tax.
Aaron Spitzner and Marie McFarland discuss the significance of compound interest through the unique story of former baseball legend Bobby Bonilla, explain tax changes between 2020 and 2021, and share insights for rebalancing your portfolio.
Jeff Kowal shares tips for keeping family wealth in the family, explains the details of the unique story of Peter Thiel’s $5 billion Roth IRA, and discusses the lasting financial effects of losing a spouse.
John White and Marie McFarland discuss the concept of behavioral finance, why making rational financial decisions are crucial for a promising future, the mind shift from saving to spending in retirement, and how to overcome the fears and worries of managing money in retirement.
Joe Still discusses an optimistic outlook on retirement, explains plans and tips for preparing/planning for retirement, why saving money at a young age is important, and what you should do as you get very close to retirement.
Aaron Kowal and guest Brian MacGillis of MacGillis Insurance discuss the various insurance coverages available and why it’s crucial to ensure you are covered and your policy is up to date.
Jeff Kowal and Marie McFarland discuss rethinking aging in retirement, social security basics, and when to review wills and trusts.
Jeff Kowal and guest Joe Braier of Lakes Business Group explain the crucial details of buying and selling a business with an emphasis on mergers & acquisitions.
Aaron Spitzner and guest Kevin Truebenbach of Transition Health Benefits discuss health insurance options for those transitioning to retirement and share insights regarding the American Rescue Plan Act.
Jeff Kowal discusses minimizing taxes in retirement, explains important details about IRAs, and shares insights regarding death and taxes.
Marie McFarland and John White highlight KIG Discovery Meeting preparation, discuss questions to ask yourself and your Financial Advisor, share insights for college savings plans and protecting your child’s inheritance.
Jeff Kowal and Joe Still discuss work-life balance, tips for building or rebuilding wealth, and the increasingly common decision of grey divorce.
Jeff Kowal answers caller questions, explains several retirement acronyms, gives thoughts on Biden’s Infrastructure plan, and shares insights for retiring early.
Jeff Kowal and Karyl Richson discuss social security benefits, the potential changes to the program, and answer caller questions.
Jeff Kowal and Aaron Spitzner discuss saving for retirement, insights people have gained from creating a retirement plan, and taxing the wealthy.
John White and Marie McFarland discuss important tips for when your employer changes your retirement benefits, Required Minimum Distributions, playing the long game, and taxes in retirement.
Aaron Kowal and guest Tim Nettesheim of N2 Advantage focus on business owners and discuss the elements of buying and selling, preparing to sell, and the great reset.
Jeff Kowal and John White discuss the impact of interest rates on pension plans, understanding and planning for inflation, and why you should always designate a beneficiary.
Jeff Kowal and Ray Arndt discuss companies changing their employee benefits and retirement plans, the importance of continuously updating your retirement plan, and long-term care health issues and care.
Joe Still and Aaron Spitzner discuss the future of social security, the 4% rule, and how to know if your assets are protected if something happens to your investment firm or custodian.
Jeff Kowal and Marie McFarland discuss President Biden’s tax plan, questions you need to answer before you retire, and answer caller questions.
Jeff Kowal and Ray Arndt discuss the different rules for RMDs and QCDs over the next three years and share insights regarding pension plans.
Jeff Kowal kicks off 2021 with a recap of the stock market in 2020, shares insights regarding increases to your retirement plan contribution, and discusses retirement account breakups as it pertains to divorce.
Aaron Spitzner and Joe Still reflect on 2020, share important things to consider if you plan to retire in 2021 and answer questions from a retirement income quiz.
Jeff Kowal and John White discuss end-of-year planning and share important things you must know about Roth IRA accounts.
Jeff Kowal and Ray Arndt discuss the importance of year-end retirement planning and share smart estate planning moves to consider.
Jeff Kowal and Karyl Richson discuss social security benefits and answer several caller questions regarding social security and income tax.
Aaron Kowal and Estate Planning Attorney Rhett Holland of Husch Blackwell discuss estate planning and protecting your assets.
Aaron Spitzner and Joe Still discuss retirement year-end deadlines and answer caller questions regarding health savings accounts, 401(k)s, moving money into a Roth.
Aaron Spitzner and Joe Still give a brief update on the economy and discuss the importance of proper saving for retirement and emergency funds.
Jeff Kowal addresses caller questions and discusses saving for retirement, the next big retirement threat, and pension payout traps to avoid.
Jeff Kowal is joined by Mark Maynard of Senior Benefit Solutions to discuss Medicare open enrollment, what Medicare is, and who needs it.
Jeff Kowal is joined by Tim Bullard of Lakes Business Group to discuss the ins and outs of selling your business, why you should involve a financial consultant early on, and why you shouldn’t lie to your broker.
Jeff Kowal recaps the election year, discusses the common question investors are asking during this election year, and shares his insights for how to handle the volatile markets.
Aaron Spitzner, John White, and guest Mike Smith of CPS Horizon discuss long-term care – what it is, who needs it, who can get it, and the different types of long-term care insurance available.
Jeff Kowal and Marie McFarland discuss the interest rate impact on pension lump sums, problems today’s retirees are facing, and why stocks are on the rise amid the recession.
Jeff Kowal answers listener questions, discusses lump sum payments on defined benefit plans, and notes important details regarding withholding your federal and state tax obligations.
Marie McFarland and Joe still common questions investors have during election years and why it is important to stay invested.
Aaron Kowal is joined by Real Estate Attorney Mark Andringa to discuss the elements of estate planning, gifting to next generations and irrevocable life insurance trusts.
Joe Still and Attorney Amanda Bowen of Dewitt Law discuss the importance of estate planning, the difference between Wills and Trusts, and estate planning for business owners.
Jeff Kowal shares updates on the economy and stock market, answers a caller question about Roth IRAs, and discusses the option to take social security early.
Aaron Spitzner and Joe Still share updates on the economy, stock market, and IRS expansions to Covid19 relief, then give their insights to getting your retirement plan back on track.
Jeff Kowal gives an update on the economy and stock market, and shares insights for Retirement Planning.
Aaron Kowal and guest Ann Barry Hanneman, attorney of Employment and HR Law at Von Briesen & Roper, discuss the challenges businesses are facing as they reopen, what employers should do to protect themselves, and putting policies and procedures in place at the workplace.
Jeff Kowal gives an update on the economy and stock market, shares insights about Required Minimum Distributions, and answers caller questions regarding retirement planning.
Jeff Kowal and Joe Still give an update on the stock market, share insights regarding life insurance policies, and discuss the dos and don’ts in a bear market.
Jeff Kowal and John White discuss the current state of the economy, special provisions in the CARES Act for taking money out of your retirement account, and the importance of having an investment philosophy.
Please be aware that the early distribution penalty tax exception, substantially equal periodic payments, available via Section72(t) of the Internal Revenue Code, is subject to very specific guidelines, and thus, various factors should be carefully considered. Investors should understand the account value (net equity and/or principal balance) could potentially be exhausted if the distributions exceed the earnings and growth of the investment(s) in the account. Also, the ability to sustain substantially equal payments can be compromised if the account is exposed to higher volatility through higher risk or growth-oriented products. Always consult the advice of an independent tax professional prior to initiating72(t) substantially equal periodic payments.
Jeff Kowal and Christine Hayward discuss the current state of the economy, terms surrounding the CARES Act, alternative strategies for stretch IRA, and lending money to family.
Aaron Spitzner discusses the current state of the economy, where the stock market was, is now and where it could be going, and providing relief with the CARES Act.
Jeff Kowal and Marie McFarland discuss some of the provisions surrounding the CARES Act and share their thoughts on proper retirement planning as it pertains to early death and divorce.
Jeff Kowal and guest Kelly Brown of American Deposit Management discuss opening the economy, banking relationships, and keeping your money secure.
Jeff Kowal and guest Chuck Stansberry discuss the many elements of estate planning, options to consider for beneficiaries, and why business owners need an operating agreement.
Jeff Kowal and guest Karyl Richson discuss the CARES Act as it relates to social security and common questions people are asking. Karyl shares her insights regarding when to take social security and various benefits.
Jeff Kowal and Marty Dooley discuss the impact the coronavirus pandemic has had on life insurance and why consumers should review their coverage.
Jeff Kowal and John White discuss the current state of the economy during the coronavirus pandemic, the emotional side of investing and changes in the CARES act.
Aaron Kowal and Joe Still discuss the effects of the coronavirus on the stock market, touch on some positives and share thoughts on what to do.
Aaron Spitzner and guest Pat Wirth of Chortek, discuss the current state of the economy, touch on the effects the coronavirus has had on the markets, and share insights on tax planning and strategy.
Jeff Kowal and Marie McFarland discuss the current state of the economy and common financial surprises retirees should be aware of.
Aaron Kowal and guest Chris Berens from Horicon Bank discuss horror stories of estate planning and lack thereof, and answer caller questions about trusts and planning.
Marie McFarland and John White discuss the SECURE Act changes and how it may impact future planning.
Aaron Spitzner is joined by guest Frank Sterbin from Town Bank to share insights on how they work with business owners and discuss the three 401(k) areas to contribute your money.
Jeff Kowal discusses the effects of the coronavirus on the economy, answers caller questions relating to pensions and investing, and shares his thoughts on inheritance.
Jeff Kowal shares his insights on preparing for retirement in 2020, planning and saving for retirement, and discusses planning for inflation.
Financial Advisor Christine Hayward joins Jeff Kowal to discuss the current state of the economy and the SECURE act, and answer caller questions.
Joe Still and John White discuss HSAs, retirement planning and what we can learn from those who have been retired for a while.
Jeff Kowal answers caller questions, discusses the current state of the economy, Retirement Law changes and special guest Frank Sterbin shares his thoughts on interest rates.
Jeff Kowal discusses the SECURE Act becoming Law and changes we need to be aware of. Jeff responds to caller questions relating to IRAs and planning for retirement.
Karyl Richson, retired Public Affairs Specialist with the Social Security Administration, joins Jeff Kowal to share the latest social security updates and answers caller questions relating to social security and Medicare.
Kowal Investment Group Advisor, John White, joins Jeff Kowal to discuss Health Savings Accounts, give insights to Roth IRA Conversions and answer caller questions relating to HSAs.
Jeff Kowal shares insights for retirement planning and discusses effects of the current generational make-up of the workforce.
Aaron Kowal joins Jay Weber to discuss retirement planning for the self-employed. Aaron also touches on the General Electric pension freeze.
Kowal Investment Group Advisors Aaron Spitzner and Joe Still talk about transitioning into retirement, taking your Required Minimum Distribution and discuss what the Presidential Election Year means for the stock market.
Kowal Investment Group Advisor, Marie McFarland joins Jeff Kowal to discuss Qualified Charitable Distributions, retirement planning and the current state of the economy. Jeff and Marie answer caller questions regarding life insurance, wills vs. POD and possible options when considering moving money from one plan to another.
Mark Maynard of Senior Benefit Solutions joins Jeff to discuss Medicare plans, coverage, and benefits. Mark and Jeff also address caller questions relating to employer coverage, qualifying for Medicare, planning and next steps.
Jeff Kowal discusses corporate pension plans, retirement planning and aging advisors moving into retirement. Jeff also explores how Medicare for All would impact high net worth individuals.
Jeff Kowal discusses the current state of the U.S. economy and potential impacts on the financial market with the upcoming election year. Callers get insights into the importance of paying attention to your Required Minimum Distributions, 401(k) Conversions and knowing when to take Social Security.
Jeff Kowal shares insights for managing multiple IRAs, touches on life insurance needs in retirement and discusses qualified charitable distributions. Furthermore, Jeff explains how to lay the foundation to help build a successful family legacy and develop a rising generation.
Paul Schafer and Joe Still discuss the future of the SECURE Act and potential issues. The team sheds light on the six signs that say it may be time to change your Financial Advisor. And lastly, provide thoughts on the economy’s current state and key factors that are impacting market performance.
Financial Advisors Aaron Spitzner and Joe Still join the show to share insights into when it might be time to fire your financial advisor, and IRA planning opportunities to reduce tax implications in retirement. The team discusses current market performance, as well as the importance of business succession planning.
Financial advisor Joe Still joins Jeff Kowal to share insights into potential benefits of a Roth 401(k) over traditional options, as well as strategies for managing your investments in volatile markets and the importance of discussing wealth with your family. Callers get information on 401(k) beneficiaries, stock choices and revocable living trusts.
Financial Advisor Aaron Spitzner joins the show to discuss the current status of the markets and the economy, as well as strategies for managing your health insurance premiums in retirement. Jeff shares steps you should take in the event of sudden wealth, and callers get information about Roth 401(k)s.
Kelly Brown of The American Deposit Management Company joins Aaron Kowal to provide insights to listeners about business banking and how business owners can potentially achieve better rates, better liquidity and decreased risk. Callers get information on Social Security, 403(b) accounts and pensions.
Jeff Kowal gives listeners insights into why having one million dollars in investable assets might not make you feel wealthy, as well as how business owners and individuals must reset their perspectives to drive better value. Callers get information about the SECURE Act, inherited retirement accounts, Social Security and investing.
Jeff Kowal provides listeners with insights into financial moves to make when you’ve been laid off, how big your retirement nest egg should be, and understanding the benefits and consequences of lump sum payouts for pensions. Callers get information on stock allocation, as well as if it’s ever too late to start retirement planning.
Jeff Kowal explores potential challenges in retirement planning for married couples that have an age gap, as well as understanding the current performance of the economy. Listeners get information about Social Security and Medicare, as well as how to avoid letting adult children impact your readiness for retirement.
Medicare expert Kevin Trubenbach joins Joe Still to discuss Medicare and its critical role in retirement planning. Callers get information on insurance premiums, coverage in retirement before becoming Medicare-eligible at age 65, and the importance of stress testing your retirement plan.
Aaron Spitzner and Paul Schafer discuss current market performance as it relates to uncertainty, tariffs and unemployment. The team breaks down the SECURE Act making its way through the Senate to provide insight into how these changes can support longer life spans and the choice to work past the average retirement age.
Jeff Kowal shares insights into a potential short-term interest rate cut from the Federal Reserve, as well as the importance of factoring healthcare into your early retirement plans. Callers get information about allocation of investments, transfer of debt, and Roth contributions.
Paul Schaefer, CPA, joins Jeff Kowal to break down the SECURE Act that recently passed through the House of Representatives to understand how it may impact retirement planning. The team explores how to approach saving for retirement throughout different life stages, as well as the importance of communication in estate planning.
Attorney Elizabeth Ruthmansdorfer of Moertl, Wilkins & Campbell joins Aaron Spitzner to share insights into how estate planning and retirement planning work together, sharing tips for managing beneficiaries, tax benefits, and more. Callers get information on powers of attorney, as well as building and maintaining a trust.
Kowal Investment Group’s newest financial advisor Marie McFarland joins Jeff Kowal to explore how you can save one million dollars by age 65, as well as the benefits of working with a financial advisor that you may not have considered. The team explores how aging has changed over the years – as well as what professional athletes can teach us about retirement planning after a sudden financial windfall.
John White joins Jeff Kowal to explore the specifics of Required Minimum Distributions, including a refresher on when to take RMDs and strategies to help minimize the tax burden. The team discussions the implications of the revised tax plan on individuals and corporations, as well as commonly overlooked tax breaks for the newly widowed.
Joe Still joins Jeff Kowal to share insights into the importance of working with a financial planner to set yourself up for success in retirement. Jeff shares some rules of thumb for making sure you’re on track with your retirement savings – as well as tips for helping your heirs manage an inheritance.
This week, Jeff Kowal shares the trend of Americans “winging it” when it comes to their financial futures, and steps you can take to make sure you’re on track. The team also explores mistakes to avoid when planning for retirement, as well as end-of-life planning.
Christine Hayward from Kowal Investment Group’s Madison office joins Jeff Kowal to discuss financial strategies following a significant inheritance, as well as the challenges females face heading into retirement. Jeff explores strategies for IRA wealth transfers, and how Roth conversions and Required Minimum Distributions must work together.
Karyl Richson, retired public affairs specialist, joins Paul Schaefer to provide insights into retirement planning and Social Security. Callers get information about spousal benefits, Roth IRA conversions in retirement, disability benefits and Medicare.
Jeff Kowal reviews major retirement savings milestones to help you understand how to shape your timeline leading up to and during your retirement. Callers get information on Social Security, returning to work during your retirement, balancing retirement savings with college savings, and maximizing retirement contributions.
Financial Advisors Aaron Spitzner and John White join the show to discuss the current performance of the market and share predictions for what’s ahead. The team explores Kowal Investment Group’s Complimentary Retirement Review process and shares how clients can benefit from a relationship with the firm.
Jeff Kowal explores the benefits of consolidating your retirement plans from previous employers to explore tax advantages, the ability to manage allocation and diversification, and more. Callers get information on IRA transfers, Medicare and 401(k) strategies.
Chris Berens, CTFA, AIF, Vice President for Horicon Bank Trust Administration and Attorney Chuck Stansberry from Schober, Schober & Mitchell, S.C. join Jeff Kowal to share insights into Estate Planning and what you need to know about establishing a trust. The team shares insights into choosing a corporate or individual trustee, preparing for incapacity, updating your beneficiaries, and ensuring your plan is up to date based upon life changes.
John White joins Jeff Kowal to discuss the importance of factoring inflation into your retirement plan, as well as important dates to know for retirement planning in 2019. The team discusses five things to know when selling your business, and explores how business owners can get ready to sell their business and retire.
John White and Aaron Spitzner welcome Pat Wirth, CPA, at Chortek to discuss the impact of the tax law changes on individuals and business owners. The team provides helpful insights into how the changes might affect you – and how you can work to maximize your deductions.
Bryan MacGillis of MacGillis Insurance joins the show to share his insights into insurance needs for individuals and business owners. The team explores the concerns with being underinsured, and the steps you can take to make sure you’ve got enough coverage.
Aaron Spitzner, CFP, joins Jeff Kowal to share insights on managing your retirement plan in spite of market volatility, as well as what to look for in a financial advisor. The team also explores life insurance plans for business owners, as well as tips for protecting your money in a divorce.
Jeff Kowal explores strategies for accepting an early retirement offer, as well as mistakes that executors often make and how to avoid them. Listeners get insights on decedent IRAs, annuities, and managing your money in a volatile market.
Joe Still joins the show to discuss the current state of the market and shares tips for managing the market volatility. The team also explores the importance of planning for business owners as well as being specific in identifying your healthcare agents as part of your estate plan.
Aaron joins the show to discuss the importance of putting a written retirement plan into place, as well as three things you need to pay attention to if you’re retiring in 2019.
Attorney Stephen Lasky of Moertl, Wilkins & Campbell S.C. joins Jeff Kowal to discuss the ins and outs of estate planning. The pair discusses the importance and nuances of estate planning for business owners, and explores several strategies to help individuals design the right plan.
Paul Schafer, CPA, joins Jeff to share tips for 2018 year-end retirement planning to ensure you’ve taken the steps to prepare yourself for retirement and the year ahead. Callers get information on pensions, 401(k)’s and tax tips in retirement.
Christine Hayward of the Madison office joins Jeff to celebrate the 40th birthday of the 401(k) and discuss the importance of year-end planning for your retirement. Also discussed is the current state of the market, as well as current retail shopping habits.
Kowal Investment Group’s newest advisor John White joins Jeff Kowal to discuss the pros and cons of delaying Social Security benefits, as well as thoughts about life during retirement. The team explores Defined Pension Benefit Plans and how to avoid letting your adult children drain your retirement savings.
Aaron Kowal is joined by Kowal Investment Group’s newest advisor, John White, to discuss the current state of U.S markets, as well as the historically low unemployment rate. The team also explores the current state of oil and how to fight indecisiveness about retirement.
Kelly Dancy of Walny Legal Group joins Aaron Kowal to discuss the importance of Estate Planning for adults, including the establishment of trusts, wills and powers of attorney. Callers get information on estate planning strategies.
Jeff Kowal explores the differences between IRAs and other retirement accounts, and shares year-end tips to help you avoid mistakes in your 401(k). Callers get information about how much to save for retirement, 401(k) conversions and long-term care insurance.
Jeff Kowal explores the current performance of the markets and shares options to help you understand if you should roll over your employer-sponsored 401(k). Additional areas explored include steps for business owners to take before retirement, as well as how inherited IRAs might be split in divorce.
Aaron Kowal discusses potentially costly retirement mistakes you should avoid, as well as the retirement planning steps you need to be taking. Additional topics explored include the economy, and potential factors that may - or may not - affect market behavior.
Social Security Expert Karyl Richson joins the show to share insights into Social Security and Retirement Planning. Callers get advice on Medicare, early retirement, and more.
Aaron Spitzner, CFP, joins Jeff Kowal to discuss how you can help prevent money worries from triumphing, as well as the new legislation that makes it easy for everyone to freeze their credit reports. Callers get information on Social Security, Medicare and pension plans.
Joe Still and Aaron Spitzner join Jeff Kowal to discuss creating a five-year plan leading into retirement as well as a potential risk to retirement savings that many investors overlook. The team discusses why millennials are on track for a better retirement outcome, as well as the strategy behind See-Through Trusts and IRAs.
Jeff welcomes guest Mike Smith, President of CPS Horizon, and they discuss how individuals can prepare for an extended care event in retirement by getting plans in place early. They also explore long-term care options. Listeners get information about utilizing group plans to provide long-term care, and the importance of getting your retirement and end-of-life plans in writing.
Aaron Kowal explores how the Golden Girls can help inspire you to live your best retirement, as well as the status of wage growth and tariffs in the United States. Aaron also shares the five questions you must address as you approach retirement.
Jeff explores the Rule of 55 in retirement planning and how it might support a retirement strategy, as well as how individuals can take advantage of yearly milestones leading up to retirement. Callers get information on Fixed Index Annuities, 401(k) conversions and the diversification of their financial portfolios.
Joe Still joins the show to discuss how to manage retirement investments through ebbs and flows of the economy. Jeff Kowal explores how you can take your required minimum distributions like your favorite rock stars, and educates listeners about disclaimers and refused inheritances.
The WTKM Radio Show visits the Kowal Investment Group offices to meet with the team and discuss how divorce can impact retirement savings, the strength of the U.S. economy and the reasons why business owners choose to sell their businesses.
Christine Hayward, joins the show to discuss everything you need to know about saving in a 401(k) for the first time as well as considerations for passing an IRA on to your heirs.
Aaron Kowal discusses the importance of planning for the high cost of healthcare in retirement as well as six ways business owners can prepare for retirement.
Paul Schaefer, CPA, joins the show to discuss everything you need to know about self-directed IRAs. Listeners also learn about six ways business owners can prepare for retirement as well as the current retirement bills in congress and how they may affect retirement planning.
Jeff Kowal discusses how heirs can maximize an inherited IRA as well as 3 reasons why IRAs beat out 401(k)s among older Americans. Callers get information on SEP IRAs and 457(b) retirement plans.
Aaron Spitzner, CFP®, joins the show to discuss the importance of preparing your affairs in case you die young. Callers get information on the advantages of defined benefit pension plans and how to pass IRAs onto their heirs.
Jeff Kowal covers mid-year moves to help control your taxes as well as how the ‘Rule of 55’ may affect you. Callers get information on using life insurance for retirement.
Jeff Kowal discusses how to divide up IRAs in a divorce as well as the difference between a defined benefit plan and a defined contribution plan.