Building Wealthy Habits

Join Randy Barkley, Jeremiah Lee and Laura Lee as they sit down weekly to explore the questions and topics that impact your financial future.

Episode 101 - Evaluating Alternative Investments During Market Uncertainty 01/27/2026

Episode 101 - Evaluating Alternative Investments During Market Uncertainty In today’s episode, Laura and Jeremiah Lee break down what’s really driving market uncertainty right now—and why seeing wealthy investors “step back” can mess with your confidence if you’re not anchored to a plan. They talk through the danger of chasing headlines, the reality that the economy moves in cycles, and why trying to time the market usually costs more than it pays. You’ll also hear a practical discussion on common “safe haven” moves—cash, precious metals, and private placements—including what each option can (and can’t) do for your portfolio. Bottom line: the goal isn’t to guess the next market move; it’s to build a strategy that fits your situation, stays diversified, and keeps you ready for opportunity. If you’re a long-term investor who wants to stay steady when markets get loud, this one’s for you. In This Episode, We Cover: 😰 Why fear and uncertainty drive most investing decisions 🎯 How to evaluate opportunities based on your goals (not trends) ⏱️ Why timing the market is harder than it looks ⚖️ Cash vs. metals vs. private placements: pros, cons, and risk realities 🧺 The role diversification plays in reducing portfolio risk 🧘 How to stay prepared for future opportunities without overreacting If you’re questioning how your investments should be positioned in a volatile environment, it may be time to review your: risk tolerance, time horizon, cash needs, portfolio diversification. Working with a trusted financial advisor can help you stress-test decisions before you act. #Investing #MarketUpdate #Diversification #WealthBuilding #FinancialPlanning #LongTermInvesting #RiskManagement #BuildingWealthyHabits Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/39891605

Episode 100 - Risk Is Everywhere: How To Respond Without Panicking 01/13/2026

Episode 99 - Going Beyond the Fiduciary Standard 12/30/2025

Episode 99 - Going Beyond the Fiduciary Standard What does “fiduciary” actually mean—and is it enough to protect your long-term plan? In this episode, we break down the fiduciary role, why transparency matters, and why many people eventually need more than an advisor who simply “babysits” their money. As your life gets more complex—taxes, estate planning, investments, business income, retirement distribution strategy—you need proactive guidance, not just basic oversight. If you’re evaluating a financial advisor (or wondering whether your current relationship is still the right fit), this conversation will help you ask better questions, understand compensation, and spot the difference between fiduciary compliance and true strategic planning. In This Episode: 00:00 Understanding the Fiduciary Role 05:45 Navigating Complex Financial Needs 11:36 The Importance of Proactive Financial Advice 17:16 Building a Trustworthy Advisory Relationship If you want an advisor relationship that goes beyond “fiduciary” and into proactive planning, hit subscribe—and drop your biggest question in the comments so we can cover it in the next episode. Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/39564935

Episode 98 - Warning Signs That Your Financial Team Isn’t Growing With You 12/30/2025

Episode 98 - Warning Signs That Your Financial Team Isn’t Growing With You In episode 98 of Building Wealthy Habits, hosts Laura, Randy and Jeremiah discuss the signs that indicate when individuals and business owners have outgrown their financial teams, including their financial advisors, CPAs, and attorneys. They emphasize the importance of recognizing the need for change as financial situations become more complex and the necessity of having proactive advisors who can adapt to these changes. The discussion also covers the importance of ongoing relationships with financial advisors and the need for them to challenge clients and provide new insights as their financial needs evolve. In this episode: 📌 Most individuals outgrow their financial team rather than firing them. 📌 Change is hard, but recognizing the need for a new team is crucial. 📌 Proactive tax planning is essential as income increases. 📌 Investment strategies should evolve with the client's financial situation. 📌 A good CPA should provide more than just basic filing services. 📌 Financial advisors should challenge clients and not just defend the status quo. 📌 Ongoing relationships with financial advisors are key to success. 📌 Complexity in financial needs requires specialized advice. 📌 Estate planning becomes more critical as assets grow. 📌 Misalignment with your financial team can lead to costly mistakes. If you’re wondering whether your current team is still the right fit, start with one simple question: are they helping you stay ahead of complexity—or just reacting to it? If this episode sparked a few “oh wow… that’s us” moments, don’t ignore them. Take inventory of your advisor, CPA, and legal support, and make sure they’re proactive, coordinated, and willing to challenge your assumptions as your life and business evolve. Thanks for listening to Building Wealthy Habits—if you found this helpful, share it with a friend or business owner who’s growing fast, and subscribe so you don’t miss the next episode. #financialteam #outgrow #financialadvisor #cpa #taxplanning #investmentstrategy #complexity #fiduciary #estateplanning #successionplanning --- Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/39564915

Episode 97 - Keep the IRS from being your Biggest Beneficiary 12/16/2025

Episode 97 - Keep the IRS from being your Biggest Beneficiary As tax season looms, there is one thing most people are thinking about: Keeping the IRS out of their pockets! That’s why this week Randy Barkley and Jeremiah & Laura Lee break down what really happens—tax-wise—when you inherit money, investments, and other assets. They walk through step-up in basis for stocks and real estate, why some taxes effectively “disappear” at death, and where they absolutely do not. The conversation covers annuities, life insurance, qualified accounts, RMD rules, and the organizational headaches that come with sorting through multiple accounts, statements, and beneficiaries. If you’ve ever wondered, “What actually happens when I inherit this?” or “How do I avoid making an expensive tax mistake?”, this episode gives you a practical roadmap. We Cover: Why the tax implications of inheritance can be bigger than most families expect How the step-up in basis works for stocks and real estate—and when it’s a major tax saver Why capital losses from a parent’s lifetime usually do not carry over to heirs How staying organized with account records and cost basis helps beneficiaries avoid costly errors The key differences in how annuities and life insurance are taxed Why inherited IRAs and other qualified accounts are taxed as ordinary income How RMD rules work for beneficiaries and what happens if they’re missed Ways charitable strategies can help offset higher taxes after an inheritance Why having the right financial and tax team matters when multiple assets and heirs are involved Don’t Miss These Moments: 00:00 – Navigating Inheritance and Tax Implications 02:53 – Understanding Step-Up in Basis 06:01 – Managing Losses and Staying Organized 08:48 – Real Estate, Community Property, and Ownership Structure 12:03 – Annuities: Tax Treatment and Implications for Heirs 14:55 – Life Insurance Benefits and Taxation 18:03 – Inherited Qualified Accounts, RMDs, and Tax Strategy 20:56 – Planning Ahead: Charitable Contributions and Tax Maneuvers Reach out at Connect with Jeremiah: LinkedIn: Email: Connect with Laura: LinkedIn: Email: Connect with Randy: LinkedIn: Email: Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/39368355

Episode 96 - The Weakest Link in Your Estate Plan 12/10/2025

Episode 96 - The Weakest Link in Your Estate Plan In Episode 96 of Building Wealthy Habits, Randy Barkley and Jeremiah & Laura Lee unpack what real estate planning looks like in today’s world—beyond a stack of documents in a binder. They talk through why the best estate plans are less about legal checklists and more about clear communication, access, and preparing the next generation for the responsibilities they’re stepping into. From blended family dynamics to managing digital assets and online accounts, this episode tackles the practical issues most families don’t talk about until it’s too late. If you’ve ever wondered whether your family would actually know what to do, where to go, or who’s in charge if something happened tomorrow, this conversation is for you. In This Episode, You’ll Learn: Why effective estate planning is more than just signing a will or trust How communication can prevent confusion, conflict, and delays The importance of making sure everyone knows where the estate documents are How to think about roles and responsibilities (successor trustee, executor, POA, etc.) Special considerations for blended families and complex family dynamics Why digital assets (logins, subscriptions, crypto, photos, domains, social accounts) must be part of your plan How regular check-ins and family meetings can keep your plan current and clear When and why to bring in professional guidance to navigate tricky situations Check Out These Key Moments: 00:00 – Estate Planning: More Than a Basic Checklist 03:06 – Why Communication Is the Real Engine of a Good Estate Plan 06:10 – Where Are the Documents? Access, Storage, and Digital Assets 09:01 – Defining Roles: Successor Trustees, Executors, and Key Responsibilities 12:04 – Blended Families, Second Marriages, and Complex Dynamics 14:57 – When to Call in the Pros: Getting Help with Complex Estate Issues Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/39359775

Episode 95 - The Conversations You Can't Avoid 11/27/2025

Episode 95 - The Conversations You Can't Avoid Around every corner, it feels like the world is more divided than ever. Politics, economics, culture, identity, and even holidays can become battlefields of ideas. In this episode, we step back from the noise and look at division and conflict through a historical lens, exploring how power, money, and narrative shape the relationship between those at the top and the everyday people underneath. In this episode: 🧠 Why it feels like “we’ve never been this divided” and how history tells a more complicated story 🧠 How conflict over ideas has always existed and why it often flares up during times of economic stress 🧠 The role of power and purse: why those in control fight so hard to maintain their position and resources 🧠 How the populace pushes back and says “this is not right” when the system stops working for them 🧠 What past societies can teach us about the tensions we are living through right now 🧠 Why understanding economics is often the key to understanding conflict and division 🧠 How small moments, like Thanksgiving reflections, can reveal big truths about societal structures At the end of the day, division is not just a headline or a talking point. It is the result of real power dynamics, economic systems, and human beings trying to make sense of their place in history. If this conversation challenged how you see what is happening around you, share it with someone who is also wrestling with these questions and keep the discussion going. #division #conflict #powerdynamics #economics #society #socialissues #history #populace #classdivide #ideas Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/39187925

Episode 94 - The Contrarian Mindset 11/18/2025

Episode 93 - Advanced Tax Strategies for Business Owners 11/11/2025

Episode 93 - Advanced Tax Strategies for Business Owners In this episode of Building Wealthy Habits, Jeremiah and Laura Lee break down one of the most overlooked areas of wealth strategy — estate planning for business owners. If you own a business or hold significant private assets, passing wealth to the next generation isn’t as simple as naming a beneficiary. Without proper planning, your heirs could face a 40%+ tax hit, especially when your estate exceeds the current $30M exemption threshold. We discuss: Why lifetime shifts of assets are critical for tax efficiency How to think about transitioning ownership of private companies The difference between estate planning documents and estate planning strategy Preparing your heirs so they understand — and can sustain — the legacy you're building This episode is a must-watch for business owners, entrepreneurs, and families serious about generational wealth. Estate planning isn’t a one-and-done task — it must be revisited as life, law, and wealth evolve. If you're a business owner wanting to understand your options: Schedule a strategic financial assessment: #EstatePlanning #GenerationalWealth #BusinessOwners #WealthStrategy #TaxPlanning #BuildingWealthyHabits --- Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/38982915

Episode 92 - The Lonely Side of Wealth: Why Success Can Feel Isolating 11/04/2025

Episode 92 - The Lonely Side of Wealth: Why Success Can Feel Isolating Wealth often brings freedom — but it can also bring isolation. In this episode of Building Wealthy Habits, hosts Laura and Jeremiah Lee dive into the emotional side of success, exploring why so many accomplished individuals feel alone when it comes to discussing their financial concerns. They share how genuine communication, empathy, and trust can break down those walls — helping clients find clarity, connection, and confidence in their financial journey. Whether you’re a client, advisor, or someone striving for more balance between wealth and well-being, this conversation shines a light on the importance of emotional support and honest relationships in financial planning. 💡 Key Takeaways Success and wealth can sometimes create emotional distance instead of connection. Clients often struggle to find people who understand their challenges without judgment. Honest conversations help relieve emotional strain and improve decision-making. Genuine advisor-client relationships go beyond numbers — they’re built on trust and understanding. Advisors who foster open communication can better support their clients’ overall well-being. 👉 Subscribe to Building Wealthy Habits for weekly insights on financial wellness, decision-making, and creating a meaningful relationship with money. #BuildingWealthyHabits #ClientIsolation #WealthConcerns #HonestCommunication #EmotionalSupport #FinancialAdvice #RelationshipBuilding #EmotionalIntelligence #WealthAndWellbeing #FinancialPlanning Reach out at Connect with Jeremiah: LinkedIn: Email: Connect with Laura: LinkedIn: Email: Connect with Randy: LinkedIn: Email: --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/38857945

Episode 91 - Thinking About Selling Your Business? Watch This First! 10/30/2025

Episode 90 - Is your business funding or draining your retirement? 10/21/2025

Episode 89 - The Art of Giving: Strategies for Family and Legacy 10/14/2025

Episode 89 - The Art of Giving: Strategies for Family and Legacy Most people think gifting is simple: write a check, transfer some stock, done. But here’s the truth—gifting can either save you taxes and strengthen family ties, or create conflict and unexpected tax bills. In this video, we dive into the complexities of gifting in tax planning and family dynamics. You’ll learn how to give meaningfully, avoid pitfalls, and ensure your generosity aligns with your long-term financial goals. What You’ll Learn in This Episode: Why gifting decisions depend on personal circumstances (no cookie-cutter solutions) How the annual gift tax exclusion really works When to use intra-family loans and trusts to protect both sides Why gifting equities can save taxes (but comes with cost basis implications) How clear communication prevents family disputes over money Why funding experiences may matter more than cash gifts How to pressure test your financial plan before making big gifts Aligning your gifting strategy with your values and long-term security Done right, gifting is more than money—it’s a legacy. 📌 Subscribe for more insights on tax planning, retirement strategies, and building a financial legacy. 👍 Like this video if you found it helpful, and drop your questions in the comments—I’ll respond personally. #FinancialPlanning #TaxPlanning #GiftingStrategies #WealthManagement #RetirementPlanning Reach out at Connect with Jeremiah: LinkedIn: Email: Connect with Laura: LinkedIn: Email: Connect with Randy: LinkedIn: Email: Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/38451050

Episode 88 - Donor Advised Funds & Smart Giving Strategies for Tax Planning 10/07/2025

Episode 87 - 5 Signs to Know When You're Ready to Hire a Financial Advisor 09/30/2025

Episode 86 - Common Missteps for Estate Planning 09/23/2025

Episode 86 - Common Missteps for Estate Planning In this episode, Laura Lee, Jeremiah Lee and Randy Barkley, break down some of the intricacies of estate planning, highlighting common missteps and offering practical advice to avoid them. They discuss the importance of having a trust over a will, the pitfalls of adding children to property titles, and the complexities of managing illiquid assets. The conversation also touches on the significance of coordinating estate plans with other assets and understanding community property laws. Takeaways Avoid common estate planning missteps to prevent future inconvenience. A trust is more effective than a will in avoiding probate. Adding children to property titles can lead to tax and liability issues. Plan for illiquid assets like property and businesses carefully. Coordinate estate plans with other financial assets for consistency. Understand community property laws and their impact on estate planning. Beneficiary designations can override estate plans if not aligned. Estate planning should include discussions with family members. Tax implications of inheritance can be significant and need planning. Regularly review and update estate plans to reflect current situations. Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/38317110

Episode 85 - Spending Habits that Stretch Your Wealth in Retirement 09/16/2025

Episode 84 - Creating Reliable, Tax Efficient Retirement Income 09/09/2025

Episode 83 - Tax Benefits from The Big Beautiful Bill 09/02/2025

Episode 82 - The First 5 Years of Retirement: Habits That Make or Break! 08/26/2025

Episode 81 - Your Business Isn't a Retirement Plan - Here's What It Is 08/19/2025

Episode 81 - Your Business Isn't a Retirement Plan - Here's What It Is In this episode, Laura Lee and Randy Barkley dive into the common pitfalls business owners face when they rely solely on their business as their retirement plan. They discuss the importance of diversification, planning for the future, and the complexities of selling a business. With insights from financial planning experts, this episode is a must-listen for entrepreneurs looking to secure their financial future. Key Takeaways: The risks of viewing your business as your sole retirement asset. The importance of diversification in your financial portfolio. Planning for the sale of your business well in advance. Understanding the complexities of taxes and wealth transfer. If these topics resonate with you, consider reaching out to a certified financial planner to discuss a strategy that best serves your financial goals. #BusinessPlanning #FinancialSecurity #Entrepreneurship Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/37843410

Episode 80 - Navigating Real Estate Decisions in Retirement 08/15/2025

Episode 80 - Navigating Real Estate Decisions in Retirement Join Jeremiah Lee, Laura Lee and Randy Barkley as they unleash on the complexities of real estate decisions for those approaching or in retirement. This episode explores the emotional and financial aspects of downsizing, the role of real estate in your investment portfolio, and the tax implications of selling your home. In This Episode: > The emotional connection to your home and its impact on decision-making. > Understanding real estate as an asset versus an expense. > Tax considerations when selling a primary residence in California. > The pros and cons of downsizing or transitioning to a condo community. > Strategies for unlocking the value of your home for retirement income. If you're considering retirement or expanding your real estate portfolio, contact Tri-Court Advisors for personalized advice. #RealEstate #RetirementPlanning #FinancialQuestions --- Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/37839320

Episode 79 - Profit First, Not Last: Paying Yourself as a Business Owner 08/05/2025

Episode 79 - Profit First, Not Last: Paying Yourself as a Business Owner In this episode, Jeremiah Lee, Laura Lee and Randy Barkley dive into the crucial topic of financial strategy for business owners. They explore the concept of "paying yourself first" and discuss the balance between reinvesting in your business and enjoying personal financial success. Learn from real-life stories and expert advice on how to avoid common pitfalls and make wise financial decisions. In This Episode: The importance of setting aside funds for taxes and retirement. Strategies for balancing personal and business expenses. Insights on building a financial safety net for business owners. The role of financial advisors in managing business finances. If you're a business owner looking for financial guidance, reach out to Trey Court Advisors for expert advice tailored to your needs. #BusinessFinance #Entrepreneurship #FinancialPlanning ======= Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/37625895

Episode 78 - IRMAA, RMDs, and ROTHs - Oh my! 07/29/2025

Episode 78 - IRMAA, RMDs, and ROTHs - Oh my! Join Randy, Laura and Jeremiah as they navigate the complex world of retirement taxes. In this episode, they break down the intricacies of IRMAA (Income Related Monthly Adjustment Amount), RMDs (Required Minimum Distributions), and Roth conversions. Discover how these financial elements impact retirees and learn strategies to manage your tax liabilities effectively. In This Episode: Understanding IRMAA and its impact on Medicare premiums. The importance of planning for RMDs and how they affect your tax bracket. Exploring Roth conversions as a strategic tax planning tool. Insights into charitable contributions and their tax benefits. #RetirementPlanning #TaxStrategy #FinancialAdvice Don't let retirement taxes catch you off guard. Tune in to gain valuable insights and strategies to ensure smooth sailing into your golden years. === Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/37524690

Episode 77 - The Big Beautiful Bill 07/22/2025

Episode 77 - The Big Beautiful Bill This week we are discussing the key highlights of the Big Beautiful Bill, focusing on significant tax changes, implications for estate planning, and the impact on various financial aspects such as deductions and credits. This episode emphasizes the importance of understanding these changes for effective financial planning and the potential benefits for individuals and businesses. Key Takeaways: The Big Beautiful Bill is extensive and complex, covering many financial aspects. Key tax cuts from the previous bill have been made permanent. The estate tax exemption has been extended, benefiting many families. Changes to tax brackets will also be permanent, providing stability. New tax credits and deductions are introduced, including for child tax credits. The bill impacts overtime and tips, allowing some income to be tax-exempt. Businesses will see changes that could encourage growth and hiring. Understanding the bill requires consulting with financial professionals. Resources are available for deeper insights into the bill's implications. The conversation highlights the need for proactive financial planning. === Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/37504610

Episode 76 - Planning for the Unexpected 07/16/2025

Episode 76 - Planning for the Unexpected One of the most common questions we get is around how to plan for the unexpected, and today Laura and Jeremiah are tackling the complexities of navigating unexpected life events from a financial planning perspective. They explore how life pivots—whether it’s an unexpected inheritance, business sale, or personal loss—can reshape retirement plans and long-term goals. The conversation underscores the role of financial advisors as thought partners who help clients maintain financial hygiene, revise their strategies, and communicate openly about goals as life changes unfold. In this episode: You can’t plan for the unexpected, but you can prepare for it. Financial advisors should be thought partners, not just money managers. An unexpected inheritance can significantly shift a retirement plan. Life pivots often require a revision of life goals and financial strategies. Open, ongoing conversations about money are essential. Maintaining financial hygiene—like building an emergency fund—is key. Clear financial visibility empowers better decision-making during transitions. Supporting survivor spouses is crucial in times of loss. Creating a safe space for financial dialogue can strengthen relationships. === Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/37432150

Episode 75 - Emotional Responses That Influence Investment Decisions 06/24/2025

Episode 74 - The Mindset Behind Money: Insights from 'The Psychology of Money' 06/17/2025

Episode 73 - 5 Signs to Know When You're Ready to Hire a Financial Advisor 06/10/2025

Episode 72 - Financial Mindset: What Steps You Should Take Throughout The Decades 06/03/2025

Episode 72 - Financial Mindset: What Steps You Should Take Throughout The Decades In this week’s episode, we take a decade-by-decade journey through the financial decisions that shape your life. Whether you're just starting out or thinking about legacy, this conversation breaks down the mindsets and strategies that build wealth—and keep it. From building habits in your 20s to making an impact in your 70s, we’ll show you how to align your money with your life goals every step of the way. What You'll Learn: Why your 20s are less about getting rich and more about building the right money habits How to avoid lifestyle creep and stay focused in your 30s The make-or-break financial moves of your 40s How to protect your retirement while helping your kids through college What to prioritize in your 50s to set up a strong retirement How to shift from growth to giving in your 60s and 70s --- Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadv.com Connect with Randy: LinkedIn: https://www.linkedin.com/in/rkbarkley/ Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm. /episode/index/show/1b796e30-85bc-499e-b117-cc64c1bd2a9b/id/36774240

Building Wealthy Habits

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