Guided Path 4-3 How Non-Retirement Investments Are Taxed
Release Date: 03/20/2023
Guided Path 8-6 Property & Casualty Insurance
The Financial Call
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...
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BONUS - Questions From the Internet: Roth vs Traditional
The Financial Call
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...
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Guided Path 8-5 Basics of Long-term Care & Disability Insurance
The Financial Call
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...
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BONUS: Protect Yourself from Running Out of Money in Retirement
The Financial Call
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...
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Guided Path 8-4 Life Insurance: When To Get It, When To Drop It
The Financial Call
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...
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BONUS: When to Take Social Security to Maximize Your Benefits
The Financial Call
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:
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Guided Path 8-3 Life Insurance
The Financial Call
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...
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Guided Path 8-2 Navigating the Alphabet Soup of Medicare
The Financial Call
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...
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Guided Path 8-1 Pre-65 Health Care Options for Early Retirees
The Financial Call
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...
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Guided Path 7-5 Charitable Giving Meets Exit Planning
The Financial Call
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,...
info_outlineSometimes 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:
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What you can expect to learn in their upcoming seasons of the Guided Path
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Important time frames you should be aware of when investing
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The different types of non-retirement investments and their taxation
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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:
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(801) 566-5058
Connect with 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.