The Real Money Pros
Money: you make it, you want more of it, and you want to protect it. We are The Real Money Pros, a show hosted collaboratively by experts who specialize in investing, financial and estate planning, taxes, insurance, and any other way to grow wealth. Plus, we make it fun! We help you know good advice from bad – especially when everyone seems to want a piece of your money.
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Are You Getting Real Financial Planning… or Just Investment Management?
04/02/2026
Are You Getting Real Financial Planning… or Just Investment Management?
Many investors believe they have a financial plan. When in reality, they simply have an investment account... Nic Daniels and Alex Lundgren break down the critical difference between investment management and true financial planning. While investment management focuses on selecting funds and tracking performance, real planning goes much deeper—covering tax strategy, retirement income, risk management, estate coordination, and life transitions. They discuss common scenarios where portfolios have grown successfully over time, but clients lack a clear plan for how to turn those assets into sustainable income. From tax-efficient withdrawal strategies and Roth conversions to planning for market volatility and major life events, this episode highlights what should actually be part of the conversation. They also outline key red flags that may indicate you’re not receiving real financial planning—and what proactive, comprehensive planning should feel like. Because growing your money is only part of the equation! Listen, Watch, Subscribe, Ask! Hosts: Nic Daniels & Alex Lundgren ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Handling Market Pullbacks, Reduce Taxes, & Know If Your Advisor Is Doing Enough (3/28/2026)
03/30/2026
Handling Market Pullbacks, Reduce Taxes, & Know If Your Advisor Is Doing Enough (3/28/2026)
With markets entering correction territory, Brian and Jeremiah break down what recent volatility actually means and how investors should respond without making emotional mistakes. They explain how rising oil prices, inflation expectations, and interest rate uncertainty are driving market swings, and why having a strategy in place matters more than reacting to headlines. The conversation then shifts into actionable tax and investment planning. The guys walk through strategies like tax-loss harvesting, managing concentrated stock positions, and why reducing taxes can be just as impactful as chasing higher returns. They also highlight commonly missed opportunities, including properly funding HSAs and coordinating tax decisions with your overall investment strategy. A key segment focuses on what investors should expect from a financial advisor. After a caller shares frustration with being pushed off to a CPA, the hosts explain why true fiduciary advice should include tax-aware planning, guidance on Roth conversions, Social Security timing, and a fully coordinated strategy—not just investment management. Listen, Watch, Subscribe, Ask! Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Widow’s Tax Penalty: The Retirement Tax Bomb Couples Miss
03/26/2026
Widow’s Tax Penalty: The Retirement Tax Bomb Couples Miss
Most couples assume taxes will decrease when one spouse passes away, but in many cases, the opposite happens. In this podcast, Nic focuses on the often-overlooked “Widow’s Tax Penalty” and why it can create a significant tax burden for surviving spouses. When filing status shifts from married filing jointly to single, tax brackets shrink—often resulting in higher taxes on similar or even reduced income. Nic explains how income sources like IRAs, Required Minimum Distributions (RMDs), and certain pensions may remain unchanged, while Social Security benefits are reduced. This combination can create what’s known as “tax compression,” where the surviving spouse faces higher tax rates and potentially increased Medicare premiums due to IRMAA thresholds. More importantly, this is why planning must occur while both spouses are still alive. From Roth conversions to asset location strategies, proactive planning can help reduce future tax burdens and protect long-term income. Listen, Watch, Subscribe, Ask! Host: Nic Daniels ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Tax-Loss Harvesting, Gifting Strategies, & IRA Rules Every Investor Should Know (3/21/2026)
03/23/2026
Tax-Loss Harvesting, Gifting Strategies, & IRA Rules Every Investor Should Know (3/21/2026)
As markets flirt with correction territory and geopolitical tension continues to drive uncertainty around oil, inflation, and interest rates, Brian and Jeremiah focus on what investors should actually do when volatility rises. Rather than reacting to headlines, they explain why market pullbacks create opportunities—from tax-loss harvesting to strategic gifting—and how disciplined planning can turn short-term declines into long-term advantages. The show then shifts into practical, real-world financial planning conversations. The hosts walk through how to handle inheritances, including what happens to debt, how probate works, and why some assets may need to be liquidated despite emotional attachment. They also highlight lesser-known strategies like gifting appreciated stock, charitable giving for tax efficiency, and using HSAs more effectively. In Hour 2, the conversation returns to fundamentals, breaking down retirement accounts like traditional IRAs and Roth IRAs in simple terms. How they’re taxed, when contributions make sense, and how to use them to reduce taxes today while planning for future income. Listen, Watch, Subscribe, Ask! Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Oil Over $100, Roth Conversion Strategy & Big Retirement Planning Decisions (3/14/2026)
03/16/2026
Oil Over $100, Roth Conversion Strategy & Big Retirement Planning Decisions (3/14/2026)
With oil prices pushing above $100 amid escalating Middle East tensions, Brian Wiley and Jeremiah Bates open the show by breaking down what geopolitical shocks can mean for markets, inflation, and investor sentiment. They discuss more about how headlines surrounding energy prices and global conflict can amplify volatility, but also explain why long-term investors should focus more on portfolio structure and diversification rather than reacting emotionally to short-term news cycles. The conversation then shifts into deeper retirement planning strategy. Using real-world experiences, the guys walk through Roth conversion planning, including how investors with large IRA balances should think about converting money over several years to manage future taxes and required minimum distributions. They explore the trade-offs between converting aggressively versus managing tax brackets, how those decisions interact with Social Security timing, and why planning for unknown life expectancy makes retirement strategy more complex than simple math. Brian and Jeremiah also touch on broader financial planning topics including market volatility, inflation expectations, estate planning considerations, and the importance of having a coordinated strategy across taxes, investments, and retirement income. Listen, Watch, Subscribe, Ask! Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Long-Term Care: The Cost That Can Derail Retirement
03/12/2026
Long-Term Care: The Cost That Can Derail Retirement
Long-term care is one of the biggest financial risks retirees face... yet it’s rarely discussed until a crisis happens. In this podcast hosted by Nic Daniels, he explains what long-term care actually is, why it can be so expensive, and the common misconceptions surrounding who pays for it. Many retirees assume Medicare will cover these costs, but in reality most long-term care expenses must be paid out of pocket unless someone qualifies for Medicaid after depleting much of their assets. Nic walks through the different ways families approach this challenge, including self-funding care, traditional long-term care insurance, and newer hybrid strategies that combine life insurance with long-term care benefits. Plus, why timing matters when exploring insurance options and why many people wait until it’s too late. Most importantly, this episode highlights the family and emotional considerations behind long-term care planning—because without a plan, the burden often falls on spouses or adult children. Listen, Watch, Subscribe, Ask! ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Oil Surges 35% After Iran Escalation: Market Impact, Inflation Risks & Tax Filing Traps (3/7/2026)
03/09/2026
Oil Surges 35% After Iran Escalation: Market Impact, Inflation Risks & Tax Filing Traps (3/7/2026)
A surge in oil prices following escalating tensions between the U.S., Israel, and Iran sent energy markets sharply higher, raising new questions about inflation, interest rates, and how investors should respond. Jeremiah Bates and Alex Lundgren break down what a 35% spike in oil could mean for gas prices, consumer spending, and Federal Reserve policy, while explaining why reacting emotionally to geopolitical headlines can lead investors into costly mistakes. They discuss how markets historically digest global conflicts, why short-term volatility doesn’t necessarily change long-term strategy, and how proper portfolio structure and liquidity planning can help investors avoid panic decisions during uncertain periods. The show also dives into timely tax-season issues investors should watch closely. Jeremiah and Alex explain why 1099 forms aren’t always correct, common errors involving Roth conversions and IRA distributions, and why Form 8606 is critical for documenting nondeductible IRA contributions. They also discuss refund delays tied to new tax law implementation, how HSA contributions can still reduce taxable income before the filing deadline, and what self-employed investors need to know about solo 401(k) reporting requirements. Listen, Watch, Subscribe, Ask! Hosts Jeremiah Bates & Alex Lundgren ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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What Diversification Really Means (And Why Most Investors Get It Wrong)
03/05/2026
What Diversification Really Means (And Why Most Investors Get It Wrong)
Everyone thinks they’re diversified... Until the market proves otherwise. In this podcast episode, Nic Daniels breaks down what diversification really means and why so many investors get it wrong. After years of strong market performance, it’s easy to feel confident owning growth-heavy portfolios, tech ETFs, or even multiple S&P 500 funds. But are you truly diversified, or just concentrated in disguise? Nic walks through real-world examples of “fake diversification,” including overlapping mega-cap exposure, tech-heavy ETF combinations, U.S.-only portfolios, and the hidden risks inside high-yield income investments. He explains why bull markets mask concentration risk and how volatility quickly exposes it. Most importantly, he outlines practical, tax-aware ways to gradually rebalance and build a portfolio designed not just to grow wealth — but to protect it. Diversification isn’t about today’s gains, it’s about making sure one market shift doesn’t rewrite your retirement. Take Our BetterBuckets™ Assessment ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Iran, Oil Shock Risks & The New Tax Rules Creating Filing Chaos (2/28/2026)
03/02/2026
Iran, Oil Shock Risks & The New Tax Rules Creating Filing Chaos (2/28/2026)
As U.S. and Israeli strikes on Iran dominate headlines, Brian Wiley and Jeremiah Bates break down what a Middle East escalation could mean for oil prices, inflation, and the stock market. They analyze the risk surrounding the Strait of Hormuz, discuss how markets have historically responded to geopolitical shocks, and explain why panic-driven decisions often do more damage than the events themselves. Most importantly, they outline how proper liquidity planning and structured allocation can protect investors from being forced into bad moves during volatile periods. The episode also features CPA Stephanie Helms, who unpacks the real details behind the new federal tax changes. From the fine print on “no tax on tips” and overtime pay to the new senior deduction for Social Security recipients and the complex auto loan interest deduction tied to VIN rules, the conversation exposes what actually qualifies and what doesn’t. They also discuss state tax conformity issues, refund delays, and why some taxpayers may need to amend returns. Listen, Watch, Subscribe, Ask! Hosts Brian Wiley & Jeremiah Bates ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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From Tariffs to Trusts: Building a Financial Plan That Holds Up Under Pressure (2/21/2026)
02/23/2026
From Tariffs to Trusts: Building a Financial Plan That Holds Up Under Pressure (2/21/2026)
Jeremiah and Nic start with a volatile week in the markets following the Supreme Court’s decision to strike down President Trump’s tariff authority and the market’s surprisingly calm reaction. They explain why uncertainty, not bad news itself, drives volatility and how diversified portfolios, including small caps, value stocks, and international exposure, help investors stay resilient when headlines shift. The conversation then turns to one of the most overlooked areas of financial planning: estate planning and account titling. They walk through the differences between wills and trusts, why wills do not avoid probate, and how simple steps like beneficiary audits, TOD and POD designations, and proper account ownership can prevent costly delays and family conflict. They also discuss whether trusts should be named as beneficiaries on IRAs, how inheritance rules differ for individuals versus trusts, and when simplicity is often the best strategy. Rounding out the show, the duo covers tax-season pitfalls, including corrected 1099s, K-1 delays, Roth conversions, backdoor Roth mistakes, and why rushing to file taxes can create unnecessary problems. Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Self-Representing in Real Estate, Overconcentration Risk, & AI Disruptions (2/14/2026)
02/16/2026
Self-Representing in Real Estate, Overconcentration Risk, & AI Disruptions (2/14/2026)
This Saturday, Brian and Jeremiah dig into a timely and controversial topic: self-representation in real estate. Using a real client example, they explore why some buyers and sellers are bypassing traditional agents, how commission structures affect negotiations, and when professional representation truly adds value, especially in complex or high-stakes transactions. The conversation expands into the broader real estate industry, MLS practices, and whether technology and AI are beginning to disrupt long-standing models. The show also tackles a critical investing issue: overconcentration risk. Through real-world stories, from individual stock success to catastrophic losses, the hosts explain how having too much money tied to a single company, property, or asset can quietly put long-term financial security at risk, even when things appear to be working. Rounding out the episode, Brian and Jeremiah revisit the BetterBuckets™ strategy and explain how separating money into protection, income, and growth buckets helps investors stay disciplined during market volatility. They discuss income-producing options, dividend stocks versus bond funds, yield traps to avoid, and why focusing on purpose rather than headlines leads to better long-term outcomes. Listen, Watch, Subscribe, Ask! Hosts: Brian Wiley & Jeremiah Bates ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Is Bitcoin Crashing—or Doing Exactly What It Always Does? (2/7/2026)
02/09/2026
Is Bitcoin Crashing—or Doing Exactly What It Always Does? (2/7/2026)
Brian and Jeremiah talk about a volatile week in the markets with a deep dive into cryptocurrency, investor psychology, and why emotional reactions often lead to costly mistakes. The show breaks down Bitcoin’s sharp pullback, putting it into historical context by explaining why 50%+ drawdowns have been a recurring part of its long-term behavior and why understanding your objective matters more than chasing momentum. The conversation expands beyond crypto to examine broader market volatility, headline-driven fear, and the danger of reacting to short-term noise instead of sticking to a well-structured plan. Using real-world examples, the hosts explain how missing just a handful of the market’s best days can dramatically reduce long-term returns and why disciplined investors are often rewarded after periods of panic. The second hour shifts into practical planning topics, including how people actually buy and hold Bitcoin, ETFs versus direct ownership, and a candid discussion on annuities—when they may help, when they often don’t, and how fear-based selling can lead to high fees and poor outcomes. Listen, Watch, Subscribe, Ask! Hosts: Brian Wiley & Jeremiah Bates ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Avoiding Costly Decisions: Precious Metals, Political Fear, & Roth Conversion Taxes (1/31/2026)
02/02/2026
Avoiding Costly Decisions: Precious Metals, Political Fear, & Roth Conversion Taxes (1/31/2026)
This episode blends financial psychology with practical planning. Brian Alex open by discussing a core principle of advice: why seeking guidance only helps if you’re willing to follow it, and how emotional decisions often lead to expensive outcomes. They answer listener questions about investing in silver, explaining how precious metals can fit into a diversified strategy when used appropriately, while cautioning against overconcentration and fear-based investing. The conversation also tackles political and economic anxiety, reinforcing that reacting to headlines or administrations rarely leads to better long-term results than sticking to a disciplined investment plan. The show delivers actionable retirement planning insight through a detailed discussion on Roth conversions. Brian and Alex break down whether to pay conversion taxes from outside savings or withhold from the IRA itself, the trade-offs involved, and how these decisions interact with future tax brackets, Required Minimum Distributions (RMDs), and Medicare IRMAA thresholds. Additional listener questions cover college tax credits, 529 plan reporting, and foundational saving strategies. Listen, Watch, Subscribe, Ask! Hosts: Brian Wiley & Alexandra Lundgren ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Stock Overconcentration: When One Winner Becomes Your Biggest Risk
01/29/2026
Stock Overconcentration: When One Winner Becomes Your Biggest Risk
One stock can change your life — and then quietly become your biggest retirement risk. Nic Daniels breaks down the dangerous side of a “winning” portfolio: stock overconcentration. Using Micron’s explosive run as a real-world example (currently over $390/share as of the recording date), he explains how employees, long-time investors, and families who inherit stock can wake up to life-changing wealth… only to realize one company now controls their entire financial future. You’ll learn how concentration risk happens (often by accident), why investors get emotionally stuck holding oversized winners, and why the fear of taxes and “missing out” can lead to retirement-threatening decisions. Most importantly, Nic outlines practical, repeatable strategies for trimming a concentrated stock position over time — without panic selling or trying to perfectly time the market. Listen, Watch, Subscribe, Ask! Host: Nic Daniels ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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RMD Planning, Social Security Filing, & The Credit Card Crisis (1/24/2026)
01/26/2026
RMD Planning, Social Security Filing, & The Credit Card Crisis (1/24/2026)
Brian and Jeremiah tackle a fast-moving financial landscape—where market volatility, tariff headlines, and economic uncertainty can push investors into emotional decision-making. The show explores a proposed 10% cap on credit card interest rates, debating whether it’s consumer protection or government overreach, and how limiting risk can also limit opportunity. They connect today’s headlines to long-term strategy, using the BetterBuckets® strategy to explain how separating money into stability, income, and growth “buckets” helps investors stay disciplined when markets fluctuate. Through practical examples, they show why reacting to short-term fear can derail long-term financial success. The show also features in-depth retirement planning guidance, including Roth conversion strategy, required minimum distribution (RMD) planning, Medicare IRMAA impacts, and the decision of when to claim Social Security. Listeners learn how tax efficiency, cash-flow planning, and understanding the ripple effects of financial decisions can create flexibility and reduce surprises in retirement. Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Hidden Advisor Fees, Mutual Fund Traps, & How to Avoid Bad Money Advice (1/17/2026)
01/19/2026
Hidden Advisor Fees, Mutual Fund Traps, & How to Avoid Bad Money Advice (1/17/2026)
Brian and Jeremiah dive one of the biggest questions investors should be asking: how do you know if your financial advisor is truly working in your best interest—or quietly profiting from hidden fees? This show starts by breaking down fiduciary vs commission-based advice, why transparency matters, and what listeners should ask to uncover all-in advisory costs—including mutual fund expense ratios, 12b-1 fees, and confusing share class structures like A, B, and C shares. Plus, practical call-in planning: a homeowner selling property after decades in California learns how the $500,000 home-sale capital gains exclusion works for married couples, how improvements affect cost basis, and why moving states or turning a home into a rental can change tax outcomes. Finally, the hosts cover gig-economy tax basics—how DoorDash/1099 income gets taxed, the role of Schedule C, and why tracking deductions and mileage is essential. Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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How to Profit From the Headlines: Venezuela, Oil Opportunities, and Critical Tax Moves for 2026 (1/10/2026)
01/12/2026
How to Profit From the Headlines: Venezuela, Oil Opportunities, and Critical Tax Moves for 2026 (1/10/2026)
The first full trading week of 2026 kicks off with major headlines—and even bigger financial questions. In this episode of Real Money Pros, Jeremiah Bates and Brian Wiley react to the surprise Venezuela takeover and what it could mean for energy prices, investor sentiment, and potential opportunities in oil producers, refiners, and oil service companies. They tie current events back to long-term discipline using the BetterBuckets® system, explaining how investors can stay strategic instead of emotional when news cycles accelerate. Listeners also get clarity on a major Social Security rumor—whether Social Security will be “tax-free.” The hosts explain how Social Security taxation actually works, what “combined income” means, and why filing strategies can dramatically impact married couples. Hour two shifts into actionable tax planning with CPA Stephanie Holmes and enrolled agent Patrick Brinzo, covering Big Beautiful Bill changes, senior deduction impacts, estimated tax payments and safe harbor rules, and the truth behind “no tax on tips” and “no tax on overtime.” Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Tax Traps to Avoid, Cash Mistakes, & Smarter Year-End Planning (12/20/2025)
12/22/2025
Tax Traps to Avoid, Cash Mistakes, & Smarter Year-End Planning (12/20/2025)
As 2025 winds down with markets near all-time highs, we focus on how investors can stay disciplined, tax-efficient, and emotionally grounded heading into 2026. Jeremiah Bates and Nic Daniels unpack why market volatility—driven by headlines, politics, and forecasts—shouldn’t dictate financial decisions, and how time-based “bucket” strategies help protect lifestyle spending regardless of market swings. The guys go into common mistakes made by high-income earners, including excessive cash holdings, poor tax withholding, misreported backdoor Roth contributions, and costly surprises from mutual funds held in taxable accounts. Also, explaining how capital gains are taxed, how they affect Modified Adjusted Gross Income, and why understanding this distinction matters for Medicare premiums and tax planning. Listeners also got a detailed breakdown of Health Savings Accounts (HSAs) versus state Medical Savings Accounts (MSAs), including what expenses are eligible, when premiums can (and can’t) be paid, and how HSAs can double as long-term tax-advantaged investment tools. Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Gift Tax Explained: Do I Pay Taxes For My Christmas Giving?
12/18/2025
Gift Tax Explained: Do I Pay Taxes For My Christmas Giving?
It’s the season of giving—but does generosity come with a tax bill? Not exactly. In this solo episode, Nic Daniels breaks down one of the most misunderstood topics in personal finance: the gift tax. From helping your kids with a down payment to giving cash to grandkids, he explains exactly how much you can give without involving the IRS. You’ll learn how the annual gift limit works, what Form 709 actually does (hint: it’s not a tax payment), and how the lifetime gift and estate exemption keeps most people completely in the clear. With current limits set at $19,000 per person and no taxes due for recipients, it’s easier than you think to give generously without triggering tax consequences. Listen, Watch, Subscribe, Ask! Host: Nic Daniels
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Self-Employed Retirement Plans, BetterBuckets & Investing Through Market Volatility (12/13/2025)
12/16/2025
Self-Employed Retirement Plans, BetterBuckets & Investing Through Market Volatility (12/13/2025)
Today, we focus on building smarter financial strategies for business owners, retirees, and long-term investors navigating a changing market environment. Jeremiah Bates and Alex Lundgren break down retirement plan options for the self-employed, including SEP IRAs, Individual 401(k)s, and SIMPLE plans—highlighting contribution limits, employee requirements, vesting rules, and costly mistakes business owners often overlook. The conversation expands into the BetterBuckets® System, explaining how aligning cash, income, and growth assets can reduce emotional decision-making and create clarity during market volatility. The hosts discuss why understanding why you own certain investments matters just as much as what you own—especially when markets fluctuate. They also examine recent market movement, interest-rate cuts, rotation between growth and value stocks, and what volatility really means for long-term planning. Rather than reacting to headlines, the episode emphasizes disciplined strategy, time horizon alignment, and using market pullbacks as planning opportunities—not panic moments. Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Alex Lundgren ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Trump Accounts, Educating The Next Gen, & Best Year-End Tax Moves (12/6/2025)
12/08/2025
Trump Accounts, Educating The Next Gen, & Best Year-End Tax Moves (12/6/2025)
We're in December so you know what that means... Actionable planning as the year closes — from Required Minimum Distributions to Roth conversions, backdoor Roth execution, QCD mistakes, and avoiding IRS withholding penalties. Jeremiah and Nic unpack overlooked tax traps, including misreported charitable transfers, improper Roth documentation, Form 8606 errors, and how retirees get hit with avoidable interest and penalties. Also something new to look forward to: Trump Accounts. The guys break down how these federally seeded children’s investment accounts work, eligibility timelines, contribution rules, investment limitations, tax treatment, distribution penalties, automatic setup, and whether politics should influence planning. They compare these to 529 plans, UTMAs, custodial IRAs, trusts, and simple brokerage accounts while showing when each shines — and when giving an 18-year-old control can be dangerous. Plus, we get practical strategies for gifting, legacy planning, educating children about money, and using investment accounts as tools for skill-building rather than entitlement. Everything from tax efficiency, Social Security concerns, behavioral finance, and new policy mechanics. Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Must Do's Before Dec. 31st: Taxes, Markets, & Planning Deep Dive (11/22/2025)
11/24/2025
Must Do's Before Dec. 31st: Taxes, Markets, & Planning Deep Dive (11/22/2025)
This last weekend, Jeremiah and Nic walk through everything investors should be thinking about heading into year-end. They open with the uptick in market volatility and why short-term swings (especially after years of strong returns) should be expected rather than feared. From S&P 500 movement to speculation-driven selloffs and margin trading, the guys explain what’s actually happening under the hood. They then shift into the biggest year-end priorities: maxing out 401(k) contributions, coordinating Roth strategies, and using HSAs the right way—including the little-known double catch-up rule for couples over 55. The advisors outline practical moves for self-employed listeners too, especially when SEP IRAs unintentionally reduce their Qualified Business Income (QBI) deduction. Listener calls round out the show with questions on spending down windfalls, tax-efficient Roth funding, managing debt, and how to plan confidently when you feel “behind.” In hour two, the conversation turns to 1031 exchanges and Delaware Statutory Trusts—how they work, who they’re right for, and the real trade-offs behind tax deferral. They finish with retirement psychology, planning clarity, and why understanding your strategy matters more than timing the market. Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Nic Daniels ————————————————————— Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Why the Market Feels Crazy: Insights from Profitscore
11/18/2025
Why the Market Feels Crazy: Insights from Profitscore
This week’s Money Hour dives into one of the most volatile stretches the market has seen in months — and why investors are reacting the way they are. Brian welcomes Richard Davila of Profitscore Capital Management to break down the real drivers behind the market sell-off: stalled Fed rate cuts, a crypto crash shaking retail investors, shaky labor data, and sky-high expectations for Nvidia’s upcoming earnings. From there, the conversation shifts to what volatility actually signals, how ProfitScore uses “volatility regimes,” and why the current neutral regime makes investing especially confusing for DIY investors. Brian and Rich also dig into the emotional side of investing — why behavior, sentiment, and over-concentration are hurting more portfolios than bad stock picks. They walk listeners through long-term strategy, diversification, and how to avoid chasing AI or crypto without a plan. The second half of the show widens the lens: the economic pressure on Idaho families, cost-of-living concerns, wage stagnation, health-care subsidy worries, and why newcomers with cash are reshaping Idaho’s housing reality. Plus, they unpack the boom in AI, robotics, nuclear innovation, and quantum computing — including why the next decade will determine who leads the global economy and what investors can realistically expect. Listen, Watch, Subscribe, Ask! Host: Brian Wiley Guest: Richard Davila, CTA | Profitscore Capital Management
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Roth Conversions, ACA Subsidy Changes, & Smart Real Estate Decisions (11/15/2025)
11/17/2025
Roth Conversions, ACA Subsidy Changes, & Smart Real Estate Decisions (11/15/2025)
This episode tackles some of the biggest financial decisions listeners are facing right now. Brian starts with a breakdown of upcoming ACA subsidy changes—why many families may see higher health insurance premiums next year and what planning steps to consider before open enrollment closes. We also cover challenges around financing a CBD/hemp-related business, why traditional banks often won’t lend, and what alternative paths may still be available. From there, we dive into real listener questions. One caller wants to know whether a Roth conversion makes sense alongside pension income and future retirement withdrawals. Brian walks through how conversions really work, the tax traps people overlook, and how withholding decisions impact your final bill. Plus, a question about pulling equity from a four-plex to refinance or reinvest. Brian explains the pros and cons of HELOCs, traditional refinances, and VA loan options in the current interest-rate environment. Listen, Watch, Subscribe, Ask! Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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50-Year Mortgages: Debt Until Death
11/11/2025
50-Year Mortgages: Debt Until Death
You've heard the controversial new idea making headlines — the 50-year mortgage. What started as a proposal from national homebuilders sparks a bigger conversation: Are we solving housing affordability, or just stretching debt for another generation? Brian breaks down how amortization works, why stretching payments can look appealing but cost hundreds of thousands more in interest, and how it impacts the broader economy. He also shares personal stories about real estate mistakes, mortgage decisions, and how inflation and rising rates are reshaping homeownership for Millennials and Gen Z. Listeners call in with their own real-life experiences — from first-time homebuyers juggling tight budgets to the emotional payoff of finally owning a place you can call your own. Along the way, Brian explains the math behind mortgage length, how income growth changes affordability over time, and why some debts may not be as “bad” as you think. Listen, Watch, Subscribe, Ask! Host: Brian Wiley
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Social Security Secrets, Home Sale Tax Breaks, & Hidden Money You Forgot About (11/8/2025)
11/10/2025
Social Security Secrets, Home Sale Tax Breaks, & Hidden Money You Forgot About (11/8/2025)
This week, Jeremiah and Alex tackle the questions that real retirees are actually asking. From how to file for Social Security the smart way to how to unlock forgotten retirement money hiding in old accounts. They dig into Social Security myths and strategies, including how to decide when to file, the difference between spousal and survivor benefits, how income limits affect your payments, and what happens when SSDI converts to regular benefits. Callers share real-world dilemmas: a 64-year-old in cybersecurity weighing when to claim; a woman in California discovering a secret credit card in a community property state; and a couple debating whether to sell or rent a second home and how to avoid capital gains taxes using the Section 121 exclusion. The unstoppable duo wrap with tips on finding unclaimed 401(k)s, old accounts, and missing funds, plus why year-end is the perfect time to revisit tax strategies and portfolio moves. Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Alex Lundgren ————————————————————— SPONSORS: Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Roth Conversions: You May WANT To Pay Taxes
11/06/2025
Roth Conversions: You May WANT To Pay Taxes
Pay taxes now or later? It’s one of the biggest decisions in retirement planning and the Roth conversion strategy sits at the center of it. We break down how Roth conversions work, why timing is critical, and how they can transform your retirement strategy. They explain how to move pre-tax dollars into a Roth account, what the short-term tax hit really means, and how to avoid common pitfalls such as triggering Medicare surcharges or penalties under the five-year rule. We also touch on how to use Roth conversions strategically for long-term tax savings, including how they help protect surviving spouses from higher tax brackets and reduce required minimum distributions later in life. Understand how Roth conversions can turn your biggest liability—taxes—into your greatest long-term advantage! Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Nic Daniels
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Government Shutdowns, Paycheck Panic, & the Power of Planning (11/1/2025)
11/03/2025
Government Shutdowns, Paycheck Panic, & the Power of Planning (11/1/2025)
Brian Wiley takes on one of the most frustrating issues facing Americans today — the ongoing government shutdown — and what it reveals about our collective financial vulnerability. With nearly two-thirds of Americans living paycheck to paycheck, Brian explores how even a short-term disruption in income can send households into crisis mode. Through candid listener calls, including a 29-year-old air traffic controller working without pay and a retired veteran frustrated with misuse of social benefits, the show dives into the human side of financial resilience. Brian connects it all back to planning, explaining the BetterBuckets™ strategy for building liquidity, stability, and long-term growth. He also explains why having at least three years of cash reserves can turn chaos into confidence! Plus, Brian discussed more on the rise of AI and job security risks, offering practical steps to stay financially adaptable no matter what comes next. Listen, Watch, Subscribe, Ask! Host: Brian Wiley ————————————————————— SPONSORS: Ataraxis PEO Tree City Advisors of Apollon: Apollon Wealth Management: —————————————————————
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Alternative Investments: What They Are, Who Qualifies, & When They Matter
10/30/2025
Alternative Investments: What They Are, Who Qualifies, & When They Matter
Alternative investments have become a buzzword—but are they really the secret weapon of the ultra-wealthy, or just another tool in a diversified portfolio? In this podcast, Jeremiah and Nic unpack what “alternatives” actually mean—from private equity and private credit to other non-public market opportunities. They explain who qualifies as an accredited investor under Regulation D, what the income and net worth thresholds are, and why not everyone needs to chase these investments right away. They break down the trade-offs: potential for higher returns and less daily market volatility—but also illiquidity, limited transparency, and the need for careful due diligence. Learn how alternative investments work, who they’re for, and how they can (or can’t) fit into your financial plan! Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Nic Daniels
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Open Enrollment Shock: How 2026 Could Upend Health Insurance Costs
10/28/2025
Open Enrollment Shock: How 2026 Could Upend Health Insurance Costs
Jeremiah Bates and Alex Lundgren team up with Steve Marsh from Medical Plans of Idaho to unpack a huge issue looming over millions of Americans — the potential expiration of enhanced premium tax credits under the American Rescue Act. With these provisions set to sunset after 2025, many could see premiums spike by 75–80% going into 2026! They explain what the “400% federal poverty level” threshold means for your wallet, who’s most at risk, and what you can do now to prepare. The discussion dives into both individual health plans and Medicare, including the major changes to Advantage plans in Idaho — from disappearing zero-premium options to how retirees can use this year’s guaranteed issue window to upgrade coverage. The hosts also share proactive tax and income planning strategies — from HSA contributions and 401(k) deductions to managing self-employment income — that could make or break your eligibility for crucial tax credits. Listen, Watch, Subscribe, Ask! Hosts: Jeremiah Bates & Alexandra Lundgren
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