The Financial Call
The Financial Call is Capita's Podcast for teaching financial wellness.
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Guided Path 8-6 Property & Casualty Insurance
03/04/2024
Guided Path 8-6 Property & Casualty Insurance
Are you a homeowner or looking to become one? Here’s where you can learn about all the insurance you may need! Listen in as Zacc and Laura are joined by insurance professional Spencer Shelton to delve into property and casualty insurance. They discuss various personal and commercial insurance types, including auto, home, and umbrella policies. Spencer explains the nuances of homeowners' insurance, such as the differences between HO-3, HO-4, and HO-5 policies, and the significance of flood insurance. The conversation highlights the importance of understanding insurance coverage, the benefits of umbrella policies, and the need for individuals to review and discuss their insurance needs with agents. Other discussion points include: The essentials of casualty and property insurance Understanding your homeowners’ insurance policy Car insurance, umbrella policies & how to protect your assets The role of insurance agents in your financial journey And more Connect With Capita Financial Network: (801) 566-5058 Connect with Spencer Shelton:
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BONUS - Questions From the Internet: Roth vs Traditional
02/26/2024
BONUS - Questions From the Internet: Roth vs Traditional
In this special bonus episode Zacc Call joins Erik Soderborg on the 90 Days from Retirement Youtube channel to delve into the most pressing questions from the internet following their recent episode on Roth vs. Traditional. This engaging discussion offers valuable insights and answers to commonly asked questions, providing listeners with a comprehensive understanding of the complexities surrounding these critical financial decisions. Topics covered include: Traditional & RMDs (Required Minimum Distributions): Unpack the nuances of Traditional retirement accounts and navigate the intricacies of Required Minimum Distributions. Are Taxes Going Up? Explore the current landscape of tax policies and discuss whether taxes are expected to increase in the foreseeable future, influencing retirement planning strategies. Roth Income Limits: Shed light on the income limits associated with Roth IRAs and how they impact eligibility and contributions. Spousal IRA: Provide guidance on the often-overlooked Spousal IRA option, offering couples additional avenues for optimizing their retirement savings. Backdoor Roth: Demystify the concept of a Backdoor Roth IRA and explain how it can be a strategic option for individuals facing income limitations for direct Roth contributions. Will Roths Be Taxed? Delve into the speculation and considerations surrounding the potential taxation of Roth IRAs in the future, offering listeners a forward-looking perspective on their retirement planning. To get the full spectrum of information, make sure to check out the complete video on the 90 Days from Retirement YouTube channel. Additionally, visit Erik Soderborg's website at 90daysfromretirement.com for more resources, tools, and insights to empower your journey towards a secure and fulfilling retirement. Don't miss this bonus episode packed with expert advice and practical tips to navigate the Roth vs. Traditional dilemma and make informed decisions for your financial future. Questions from the Internet: Roth vs. Traditional - Watch the original interview that started it all! Exposing the TRUTH About Roth vs Traditional Accounts | Financial Conversations:
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Guided Path 8-5 Basics of Long-term Care & Disability Insurance
02/19/2024
Guided Path 8-5 Basics of Long-term Care & Disability Insurance
Long-term care insurance is becoming an increasingly fundamental addition to the financial planning process. That’s why Zacc Call and Laura Hadley, along with insurance professional Barney Tanner, are diving into the intricacies of long-term care and disability insurance. They discuss the likelihood of needing long-term care, the various payment options including insurance, and the importance of planning for potential costs. The episode also explores the differences between standard and linked benefit insurance policies, the role of ADL requirements, and the nuances of disability insurance coverage. Discussion points include: The basics of planning for long-term care The 6 main avenues of paying for long-term care: Private pay, family support, Medicare, Medicaid, veterans' benefits, and insurance The role of insurance in long-term care from an insurance professional The various policies you can choose from in disability insurance And more Resources: Connect with Capita Financial Network: (801) 566-5058 Connect with Barney Tanner: About Our Guest: Barney Tanner is a seasoned National Brokerage Director with over 20 years of experience nurturing key relationships that lead to sales growth and ensure client retention. Extensive experience in all aspects of business development and wealth planning including developing key client relationships, leading and building teams, developing successful strategies, and making relationship-based sales. Barney continually exceeds expectations by creating valuable partnerships and works well with people at all levels of an organization including stakeholders, C-suite executives, management, underwriters, staff, and agents.
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BONUS: Protect Yourself from Running Out of Money in Retirement
02/12/2024
BONUS: Protect Yourself from Running Out of Money in Retirement
Get ready for another special bonus episode where Zacc Call joins Erik Soderborg on the "90 Days from Retirement" YouTube channel! They dive deep into the critical art of securing your retirement funds, covering everything from external risks to the internal decisions that could make or break your financial future. The conversation dives deep into the intricacies of risk tolerance, savvy withdrawal strategies, and debunking the 4% rule, all while stressing the need for a personalized approach tailored to your unique circumstances. Erik and Zacc pull back the curtain on the impact of taxes on retirement, delivering a fresh perspective on potential challenges and the absolute necessity for meticulous financial planning. Catch the full video on Erik Soderborg's channel for a complete look into these crucial retirement insights. Ready to supercharge your financial knowledge? Don't forget to explore Erik's website and watch more of his engaging videos on YouTube. Full video: Erik’s Website:
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Guided Path 8-4 Life Insurance: When To Get It, When To Drop It
02/05/2024
Guided Path 8-4 Life Insurance: When To Get It, When To Drop It
There’s no magical date marked on the calendar telling you when to get life insurance. So, when should you get it, and is there a time you should get rid of it? In this episode, Zacc Call and Laura Hadley discuss both when to get and when to drop life insurance. Zacc shares his journey with life insurance, starting from when he married at 22, highlighting its importance for end-of-life expenses and family support. They explore the financial implications of death, such as mortgage and income continuation for survivors, emphasizing tailored coverage. The advisors also consider when retirees might drop life insurance, noting that those with ample assets may not need it. Zacc and Laura discuss: How to time your life insurance When to hold onto your policy, and when to let it go What financial problems your death may create What financial plan tweaks should happen as your life progresses And more Resources: Connect with Capita Financial Network: (801) 566-5058
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BONUS: When to Take Social Security to Maximize Your Benefits
01/29/2024
BONUS: When to Take Social Security to Maximize Your Benefits
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
01/22/2024
Guided Path 8-3 Life Insurance
Does it feel like you’re constantly being pitched life insurance? There’s a reason for that and we’re going to tell you why. In this episode, Zacc Call and Laura Hadley explore the intricacies of life insurance. Zacc shares his journey with thyroid cancer and underscores the value of life insurance in providing financial security during unforeseen health issues. They discuss the importance of determining the right amount of coverage, differentiating between term and permanent life insurance, and the potential pitfalls of policies with investment components. The conversation also covers the motives behind selling permanent life insurance, the role of financial professionals, and the considerations for children's life insurance and funeral costs. Zacc and Laura discuss: Zacc’s personal story about being diagnosed with thyroid cancer & how it impacted his ability to obtain life insurance How you can determine the right amount of insurance coverage for your situation The investment aspects of permanent life insurance Life insurance for children + employer-provided insurance And more Connect with Capita Financial Network: (801) 566-5058
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Guided Path 8-2 Navigating the Alphabet Soup of Medicare
01/08/2024
Guided Path 8-2 Navigating the Alphabet Soup of Medicare
Navigating the intricacies of Medicare can feel like wading through an alphabet soup of confusion and misinformation. To help you feel less overwhelmed, Zacc Call and Laura Hadley break down the different parts of Medicare and explain key points to keep in mind before enrolling — so you can make an informed decision based on your healthcare needs. Zacc and Laura discuss: Why enrolling in Medicare at 65 isn't mandatory and delaying is an option The importance of timely Medicare enrollment to avoid penalties An overview of Medicare Parts A and B, Medicare Advantage, and Medigap Additional points to consider if you have a group coverage plan at work or an HSA And more Resources: Connect with Capita Financial Network: (801) 566-5058
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Guided Path 8-1 Pre-65 Health Care Options for Early Retirees
12/25/2023
Guided Path 8-1 Pre-65 Health Care Options for Early Retirees
Retiring early is a dream for many. However, people often hesitate due to a fear of high healthcare costs, given that Medicare doesn’t come into play until the age of 65. We address this concern today — in the first episode of our brand-new season about insurance! Zacc Call and Laura Hadley explore three options for pre-65 health care coverage: COBRA plans, retiree plans offered by employers, and plans obtained through the exchange. Zacc and Laura discuss: How COBRA helps address any gaps in coverage (switching jobs, retiring early, etc.) Tips on navigating healthcare.gov to compare plans and identify potential subsidies Personal experiences and anecdotes to illustrate the nuances of each option A sneak peek into the upcoming episodes of this season And more Resources: Connect with Capita Financial Network: (801) 566-5058
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Guided Path 7-5 Charitable Giving Meets Exit Planning
12/11/2023
Guided Path 7-5 Charitable Giving Meets Exit Planning
If you plan to exit your business soon and are charitably inclined, you may have untapped tax-saving opportunities! In this episode, Zacc Call and Laura Hadley discuss tax-efficient charitable giving strategies for business owners planning to exit their businesses. They specifically share ways to leverage donor-advised funds (DAF) and charitable remainder trusts to reduce capital gains tax and maximize your tax deductions. Zacc and Laura discuss: How income from selling a business is taxed in the U.S. How a complex asset donation works (structure, timeline, associated costs, etc.) DAFs vs. charitable remainder trusts — finding which strategy is right for you Different types of professionals you should consult for tax-efficient charitable giving and exit planning And more Resources: Connect with Capita Financial Network: (801) 566-5058
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Guided Path 7-4 Donor-Advised Funds
11/27/2023
Guided Path 7-4 Donor-Advised Funds
Let’s discover how to maximize your impact on your favorite charities while enjoying tax benefits using donor-advised funds! In this episode, Zacc Call and Laura Hadley discuss DAFs, their benefits, growth, and associated sponsors and fees. They emphasize the importance of separating tax decisions from the act of giving and the timing flexibility DAFs offer. Listen as they share a case study of a physician who optimized his charitable giving through a DAF, highlighting the flexibility and simplicity of this fund. Zacc and Laura discuss: What a Donor-Advised Fund (DAF) is and how to implement it in your financial plan A real-life success story that highlights avoiding a higher tax rate to save money How DAFs can help you differentiate between the reasons why you want to give The logistics of DAFs including their minimum contributions and various fees The benefits of using a DAF as an IRA beneficiary And more Resources: Connect with Capita Financial Network: (801) 566-5058
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Guided Path 7-3 Qualified Charitable Distributions
11/13/2023
Guided Path 7-3 Qualified Charitable Distributions
Let’s continue to learn how to reduce your taxes while increasing your giving potential! More specifically, with the help of Qualified Charitable Distributions! In this episode, Zacc Call and Laura Hadley discuss the benefits of Qualified Charitable Distributions (QCDs) for individuals aged 70.5 or older. They explain how QCDs (Qualified Charitable Distributions), made directly from pre-tax IRA accounts to charities, can reduce taxable income and potentially lower Medicare premiums. They also discuss the importance of timing these distributions to maximize tax savings. They cover the limitations of QCDs, such as the inability to donate to donor-advised funds. Zacc and Laura discuss: The potential of your QCDs (Qualified Charitable Distributions) Why timing is everything: How to time your charitable contributions effectively Everything you need to know about RMDs (Required Minimum Distributions) when charitable giving How to use your Qualified Charitable Distributions to satisfy your personal Required Minimum Distributions And more Resources: Connect with Capita Financial Network: (801) 566-5058
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Guided Path 7-2 Timing Your Charitable Giving
10/30/2023
Guided Path 7-2 Timing Your Charitable Giving
In this episode, Zacc Call and Laura Hadley discuss the tax benefits of charitable giving, focusing on the strategy of "bunching" or "doubling up" donations. They explain the impact of the standard deduction on tax benefits and how timing donations can optimize tax savings. They also introduce the concept of a donor-advised fund (DAF) as a tool for controlling the timing of your donations and itemized deductions. They emphasize that the cause, not the tax benefit, should be the primary motivation for your giving–no matter where it’s going. Zacc and Laura discuss: The concept of standard deduction and how it affects your tax benefits The strategy of “bunching” and “doubling up” your charitable giving The role of donor advised funds (DAFs) How to better manage cash flow when you’re prepaying donations And more Resources: Connect With Capita Financial Network: (801) 566-5058
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BONUS: Roth vs. Traditional Accounts: Navigating the Financial Landscape with Zacc Call and Erik Soderborg
10/18/2023
BONUS: Roth vs. Traditional Accounts: Navigating the Financial Landscape with Zacc Call and Erik Soderborg
In this engaging episode, financial experts Zacc Call and Erik Soderborg come together on Erik's YouTube channel 90 Days From Retirement to unravel the complexities of Roth and Traditional retirement accounts. Zacc and Erik provide listeners with valuable insights into how each account aligns with varying financial goals and circumstances. They demystify the common misconceptions surrounding Roth and Traditional accounts, empowering the audience to make informed decisions for their unique financial situations. The dynamic conversation delves into scenarios, strategies, and key factors to consider when choosing between Roth and Traditional accounts. Whether you're a seasoned investor or just starting your financial journey, this episode offers essential knowledge to optimize your retirement savings. Tune in to gain a deeper understanding of the financial landscape and equip yourself with the tools to make sound choices on your path to financial prosperity! This engaging conversation has already received over 100k views on Youtube. Watch the full video:
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Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks
10/16/2023
Guided Path 7-1 Charitable Giving: Donating Cash vs. Stocks
It’s a brand new season with brand new topics! It’s time to unravel the intricacies of charitable giving. In this episode, Zacc Call and Laura Hadley discuss the benefits of donating cash versus stocks, and the potential tax advantages associated with each option. They also explore potential tax implications and limitations based on your income level and the type of charity you give to. Join the conversation as Zacc and Laura discuss: Why donating stocks as your form of charitable giving is extremely “tax savvy” The varying processes for donating stocks versus cash to a charity “The Happiness Factor” and how it contributes to charitable giving And more Resources: Connect with Capita Financial Network: (801) 566-5058
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Guided Path 6-5 Top 5 Categories Business Owners Need To Solve
10/02/2023
Guided Path 6-5 Top 5 Categories Business Owners Need To Solve
Creating clear processes and systems can skyrocket the valuation of your business. In this episode, Zacc Call and Laura Hadley, along with their friend and colleague Tyson Long discuss the importance of having the right network and team of professionals when selling or owning a business. They highlight the order in which you should address the different categories of owning a business and the mentality you should have when tackling them. They also discuss the importance of involving a spouse in financial planning and the need for professionals like a bookkeeper, business tax expert, and personal tax expert. Zacc, Laura, and Tyson discuss: The 5 pillars of business management: Which one do you tackle first when exiting? How to start curating your professional network when managing or exiting your business Business management from a legal point of view & how to start better incorporating your spouse into the business’ finances Finding the right people to manage your enterprise and put a value on your family business And more Resources: Connect with Capita Financial Network: (801) 566-5058 Connect with Tyson Long:
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Guided Path 6-4 Exiting Your Business From A Legal Standpoint
09/18/2023
Guided Path 6-4 Exiting Your Business From A Legal Standpoint
In today’s episode, Zacc Call and Laura Hadley talk about exiting your business from a legal perspective with the help of attorneys Bryant Jensen and Megha Kundra from Fabian VanCott. Listen as they discuss the process business owners need to take when exiting their business, how to properly evaluate the market, review financials, and prepare for the sale. Bryant & Megha discuss: A breakdown of the legal costs associated with exiting your business How to properly document the entire valuation and exit process Strategies for maximizing the value of a business before selling And more Resources: Connect with Capita Financial Network: (801) 566-5058 Connect with Our Guests:
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Guided Path 6-3 Invest In Your Business & In Your Retirement
09/05/2023
Guided Path 6-3 Invest In Your Business & In Your Retirement
Knowing how to effectively scale your business can greatly impact your retirement plans. Just imagine the opportunities and challenges that come with taking that leap! In this episode, Zacc Call and Laura Hadley discuss investing in your business and retirement as a business owner. They differentiate between business creators and solo practitioners, emphasizing the importance of scaling up a business to increase income potential. They also caution against relying too heavily on the value of the business as a retirement plan and discuss the challenges and trade-offs of scaling a business. Zacc and Laura discuss: The difference between business owners and solo practitioners: How does this affect how you exit your business? How to diversify your retirement savings as a business owner Mitigating the common challenges of business ownership (Scarcity of resources, time, money, talent, and a diverse network!) How to scale up your business and increase your retirement income And more Resources: Connect With Capita Financial Network: (801) 566-5058
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Guided Path 6-2: Choosing the Best Retirement Plan for Your Small Business
08/21/2023
Guided Path 6-2: Choosing the Best Retirement Plan for Your Small Business
Are you feeling overwhelmed by the complexity of small business retirement plans? In this episode, Zacc Call and Laura Hadley are joined by their Capita colleague, and recurring guest, Tyson Long to analyze and provide detail surrounding various retirement plan options for small business owners. Their suggestions are not one-size-fits-all but rather catered to consider factors like the number of employees and annual saving goals. Listen as they highlight the need for more simplification and better options for small business owners. Throughout the episode, Zacc, Laura, and Tyson discuss: The pros, cons, and ideal scenarios for utilizing a Simple Account, IRA, Solo 401k Plan, SEP IRA, Simple IRA, and Company 401k Plan The proposed simplification of the 401k system for smaller companies and the potential benefits it could bring The tax flexibility and other benefits offered by non-retirement accounts The opportunities in alternative investments, such as real estate and private businesses And more! Resources: Connect with Capita Financial Network: (801) 566-5058 Connect with Tyson Long:
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Guided Path 6-1 Understanding the Tax Implications of Different Business Structures
08/07/2023
Guided Path 6-1 Understanding the Tax Implications of Different Business Structures
What type of business structure should you use to limit your taxes and liability? In this episode, Zacc Call and Laura Hadley discuss various business structures and their implications for your taxes and liability. They explain that most business structures are pass-through entities, except for C corporations which are subject to double taxation. Plus they delve into sole proprietorships, partnerships, and limited liability corporations (LLCs), highlighting the risks and benefits of each. Listen to gain insight on: The different tax implications of Sole Proprietorships, Partnerships, and LLCs & which structure you should use in your business The benefits of S Corporations in your business structure How these different structures affect your liability (how to protect your assets if you get involved in a lawsuit!) The process of opting out of or back into Social Security as a self-employed individual And more Connect with Capita Financial Network: (801) 566-5058
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Guided Path 5-6 Preventing a Family Disaster
07/24/2023
Guided Path 5-6 Preventing a Family Disaster
Have you prepared to pass on your wealth to your children? If not (and take it from us!), it can lead to serious family feuds and even legal consequences. We don’t want this to happen to you. Let’s make your family’s relationship stay strong. In this episode, Zacc Call and Laura Hadley highlight practical solutions to prevent family issues caused by wealth, including open communication, fair estate planning, financial education, and maintaining strong family values. They also discuss the pitfalls of strange oversight or power relationships and the importance of clear communication. Zacc and Laura discuss: How to initiate effective, efficient, and open communication with extended family when executing financial decisions How to mitigate the fear of taxes and eliminate its effect on your family’s ability to make sound decisions The risk of making your trust too specific–tips to make your trust sound and clear! Why some families fail to make a CLEAR and FAIR estate plan–how you can avoid these mistakes And so much more Connect with Capita Financial Network: (801) 566-5058
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Guided Path 5-5 Advanced Trust Planning Strategies
07/10/2023
Guided Path 5-5 Advanced Trust Planning Strategies
If you thought our last episode about Estate Planning was beneficial, then you’re really going to find this release chock-full of insight too! Join Zacc and Laura as they dive into the advanced strategies you and your family will want to use for a financially secure future! In this episode, estate planning guru and attorney at York Howell & Guymon, Eric Whiting discusses the various advanced estate planning strategies you can use to maximize the assets your family keeps after you pass. Zacc, Laura, and Eric discuss: How to find out which estate planning strategy you should use The various IRS dollar limitations to be aware of How to maximize the dollar amount of your estate your family keeps after you pass (effective tax planning) Charitable remainder trusts–what they are and how to implement them in your plan And more Resources: Connect with Capita Financial Network: (801) 566-5058 Connect with Eric Whiting: About Eric Whiting: Eric B. Whiting is an attorney with the Salt Lake City law firm of York Howell. Eric’s practice is focused on estate planning, tax, business planning, and nonprofit entities. Eric also assists clients of large and small estates with all aspects of estate administration and probate. Eric assists business clients with entity selection, structuring, formation, and planning. He also represents clients before the IRS. Eric is currently an active member of the Utah State Bar, Idaho State Bar, Washington State Bar and most recently Wyoming State Bar. Eric earned his Bachelor's Degree in Economics and Law & Constitutional Studies at Utah State University, his Juris Doctor at Gonzaga University School of Law and his LL.M. in Taxation at Georgetown University Law Center. When not in the office, Eric loves spending time outside with his wife and three daughters. He enjoys mountain biking, rock climbing, skiing and snowboarding.
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Guided Path 5-4 Estate Taxes
06/26/2023
Guided Path 5-4 Estate Taxes
With the help of this episode, individuals and families can make informed decisions about their estates and ensure a well-executed wealth transfer plan that aligns with their financial goals. This episode kicks off with an overview of estate taxes, explaining how they are applied to the transfer of assets from a deceased person to their beneficiaries. Zacc Call and Laura Hadley highlight the key factors that determine estate tax liability, such as the value of the estate, current tax laws, and available exemptions that could apply to your estate! Zacc and Laura discuss: How to find out if you need to worry about estate taxes Some recent changes to tax laws and how these may affect your estate plan All the maximum $ amounts you need to need to know when gifting or transferring funds within your family Strategies you can use in your estate plan to limit the amount of estate tax you pay And more Resources: Connect with Capita Financial Network: (801) 566-5058
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Guided Path 5-3 Naming Beneficiaries
06/12/2023
Guided Path 5-3 Naming Beneficiaries
This week, we are turning the intricacies of naming beneficiaries and transferring retirement funds into easy, actionable, steps. In this episode, Zacc Call and Laura Hadley chat with, Kelsey Dent, Partner & Director of Financial Services at Capita Financial Network as she shares her insight around the process of naming beneficiaries, how to do so properly, and how to avoid some of the most common mistakes. Zacc, Laura, and Kelsey discuss: How to take money out and avoid paying maximum tax penalties on your retirement accounts Everything you need to know about inherited IRAs (and some recent law changes around them) Primary versus contingent beneficiaries and how you can use them to your benefit The types of assets that you need to list a beneficiary on And more Resources: Connect with Capita Financial Network: (801) 566-5058 Connect with Kelsey Dent: About Kelsey Dent: Kelsey Dent is a partner & director of financial services at Capita Financial Network. Kelsey has been working at Capita for 7 years now and was the fifth employee on the team! Now Capita’s team has expanded to 38 employees. Kelsey is exceptional with client servicing and project management. “Typically those not wanting to manage people or manage a team are the best managers” and that is exactly the case for Kelsey. She is joining Zacc Call and Laura Hadley on the show today to share some insight on naming beneficiaries and how to do so efficiently and effectively.
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Guided Path 5-2 Trusts and Wills
05/29/2023
Guided Path 5-2 Trusts and Wills
One of the biggest misconceptions about estate planning is that a trust and a will are the same things and that if you have one, you don’t need the other. This is not true. In this episode, Zacc Call and Laura Hadley invite estate planning attorneys Courtney and Gregory Lyle onto the podcast to discuss some of the biggest misconceptions about trusts and wills and how you can use them to best organize your estate for your family. Greg and Courtney discuss: The main differences between a trust and a will Why you should have a will AND a trust Whether a revocable trust or an irrevocable trust is the best fit for your needs The crucial elements you should include in your trust And more Resources: Connect with Capita Financial Network: (801) 566-5058 Connect with Gregory & Courtney Lyle: About Gregory and Courtney Lyle: Courtney and Gregory Lyle are both estate planning attorneys located right next door to Capita Financial Network! Courtney and Greg met at Brigham Young University and then attended the University of Utah together for Law School. They then got married and have been working as estate planning attorneys ever since. Courtney and Greg use their expertise with estate planning law alongside Capita to enrich individuals' financial planning experience.
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Guided Path 5-1 The Estate Plan Everyone Should Have with Jayson McGinnis
05/15/2023
Guided Path 5-1 The Estate Plan Everyone Should Have with Jayson McGinnis
Not sure when to start creating your estate plan? Take this as your sign. This first episode of season five provides an overview of estate planning and highlights the importance of protecting your assets and loved ones. Jayson McGinnis joins the conversation and discusses some of the misconceptions around estate planning, the key elements to consider, and some practical tips for those not knowing where to start with their plan. Zacc, Laura, and Jayson discuss: The important topics to discuss with your family when assembling an estate plan What 4 documents should be in your “starter estate plan” How your estate plan changes when minor children are involved Some common misconceptions about estate planning and why they’re not just for wealthy individuals And more Resources: Connect with Capita Financial Network: (801) 566-5058 Connect with Jayson McGinnis: About Our Guest: Jayson is a Wealth Advisor at Capita and a CFP® professional. He obtained his commercial pilot’s license while attending Utah Valley University and earned a Bachelor’s degree in Aviation Science. Jayson began his career in financial services in 2007 at Fidelity Investments. He joined Capita in 2019. His ability to simplify complex financial planning strategies has allowed him to educate and connect with clients. After serving a Russian-speaking mission in Sacramento, CA for his church he moved to Utah from his home state of Washington. He enjoys skiing and taking his family on vacation.
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BONUS: The Debt Ceiling
05/04/2023
BONUS: The Debt Ceiling
Between June 5th and the end of September this year, the U.S. government is scheduled to reach it's debt ceiling. Listen in to this special bonus episode to know what this means, how this will affect the economy and why there could be a government shutdown as a result of this. You don't want to miss this!
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Guided Path 4-6 Common Tax Myths
05/01/2023
Guided Path 4-6 Common Tax Myths
It’s important to educate yourself on the truth about taxes and avoid falling for the most common myths, which we debunk thoroughly. In this episode, Zacc Call and Laura Hadley discuss the most common tax myths people fall for which includes the discussion of mortgages, estate tax, and gifting funds. The aim is to help you better understand the truth behind these rumors so you can avoid problems with the IRS. Zacc and Laura discuss: The most believable tax myths you might be falling for How to limit as much estate tax (aka death tax) as possible Why paying taxes on smaller dollar amounts shouldn’t always be more desirable Why some of the 1% pay such little in taxes And more Connect With Capita Financial Network: (801) 566-5058
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Guided Path 4-5 All You Need To Know About Stock Plans
04/17/2023
Guided Path 4-5 All You Need To Know About Stock Plans
Does your employer offer stock options as part of your compensation package? Whether they do or not, this episode will be helpful for you to better understand the intricacies of stock options. In this release, Zacc Call and Laura Hadley dive into the topic of employee stock options, discussing what they are, how they work, and their benefits and risks. They also touch on taxes surrounding these types of investments with their guest, Zach Geertsen. Listen in as Zacc, Laura, and Zach discuss: How to capitalize on stock options and build a solid plan for investing ESPPs - Employee Stock Purchase Plans; and the other acronyms you should know What you should do when your company’s stock price plummets And so much more Resources: Connect With Capita Financial Network: (801) 566-5058
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Guided Path 4-4 Retiree Tax Strategies: Helping You Save Money On Taxes
04/03/2023
Guided Path 4-4 Retiree Tax Strategies: Helping You Save Money On Taxes
Are you tired of paying high taxes and want to keep more of your hard-earned money? In this episode, Zacc Call and Laura Hadley break down various tax strategies to help you save money on your taxes. While they focus on tax strategies geared towards retirees, many of the tax strategies discussed can be applied at any age! Zacc and Laura discuss: Different tax strategies for retirees Some strategies that can be applied at any age The purpose of tax diversification How you can set yourself up for success in the future And more Resources: Connect With Capita Financial Network: (801) 566-5058
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