Wealth In Waves

Wealth in Waves is a limited-series podcast featuring advanced planning concepts for mature business owners along the Gulf Coast. Co-hosts Josh Null and Will Steih discuss and explain concepts around investment management, financial planning and tax planning.

BOSS 2.0: Should I put my assets into a Trust? 07/20/2023

BOSS 2.0: Should I put my assets into a Trust? Josh Null and Will Steih of discuss the intricate world of legal trusts as what should be a seamless intergenerational wealth transfer becomes ensnared in complex challenges. Want To Know More About Will and Josh?If you would like to continue the conversation with Josh and Will, make an appointment on our website at , or feel free to call 251-327-2124 or email . /episode/index/show/wealthinwaves/id/27522180

BOSS 2.0: Tax Planning vs Tax Preparation 07/20/2023

BOSS 2.0: Tax Planning vs Tax Preparation Josh Null and Will Steih of discuss basics of tax planning vs tax preparation, how we team with out clients and more. Want To Know More About Will and Josh?If you would like to continue the conversation with Josh and Will, make an appointment on our website at , or feel free to call 251-327-2124 or email . /episode/index/show/wealthinwaves/id/27520284

BOSS 2.0: Succession Planning & The Walk Off Home Run 07/06/2023

BOSS 2.0: Succession Planning & The Walk Off Home Run Josh Null and Will Steih of discuss ways of transitioning a business, Deeper dive on buy-sell agreements and how the are funded, unfunded buy sells are just promises and more. Want To Know More About Will and Josh?If you would like to continue the conversation with Josh and Will, make an appointment on our website at , or feel free to call 251-327-2124 or email . /episode/index/show/wealthinwaves/id/27393294

BOSS 2.0: NQ Deferred Comp 07/03/2023

BOSS 2.0: NQ Deferred Comp Josh Null and Will Steih of discuss a way to keep your key employees loyal that is stickier than just throwing cash bonuses at them. Want To Know More About Will and Josh?If you would like to continue the conversation with Josh and Will, make an appointment on our website at , or feel free to call 251-327-2124 or email . /episode/index/show/wealthinwaves/id/27358299

BOSS 2.0: Cash Balance Plans 06/15/2023

BOSS 2.0: Cash Balance Plans Josh Null and Will Steih of discuss cash flow to support both the needs of the business and your own household spending, in fact, there’s this extra every month or quarter that you as the business owner are trying to determine how to put to the best use, such as possibly benefiting your own personal retirement plans. Want To Know More About Will and Josh?If you would like to continue the conversation with Josh and Will, make an appointment on our website at , or feel free to call 251-327-2124 or email . /episode/index/show/wealthinwaves/id/27164382

Alternative To A Roth IRA 01/13/2022

Alternative To A Roth IRA Josh Null and Will Steih discuss an alternative for those that are unable to contribute to a Roth IRA because of income limits: permanent life insurance. They will discuss how a properly structured permanent life insurance policy can features similar to a Roth IRA, particularly tax free growth, but without the income and contribution limits associated with a qualified plan. Plus, they also discuss how a death benefit should be one of the primary questions related to this particular strategy. /episode/index/show/wealthinwaves/id/21730478

Pooled Employer Plans (PEP) 01/11/2022

Pooled Employer Plans (PEP) Josh Null and Will Steih discuss Pooled Employer Plans, known as a “PEP”. A PEP allows smaller 401k plans to “pool” their investments with other businesses to improve the buying power as well as spread administrative costs. Plus, how the SECURE Act made certain rule changes designed to make PEPs more attractive to small business owners, and giving more flexibility in companies that associate in a pool. Lastly, how their connection to Qualified Plan Advisors gives them access to a Pooled Plan Provi /episode/index/show/wealthinwaves/id/21730427

Legal Ways to Defer Income Taxes 01/06/2022

Legal Ways to Defer Income Taxes Will Steih and Josh Null of Gulf Coast Financial Advisors discuss legal ways for business owners to defer income taxes, including 401k plans and SEP IRAs. This discussion includes a roadmap on how to set these plans up, as well as practical tips on how to determine which plan may be the best for the business owner’s situation. Lastly, Josh and Will discuss tax deferral options using a type of defined benefit plan, the Cash Balance Plan. /episode/index/show/wealthinwaves/id/21698402

Biz Owners: $2 Trillion in New Taxes is a BIG Number 10/18/2021

Biz Owners: $2 Trillion in New Taxes is a BIG Number Josh and Will welcome special guest Jay Stubbs, the Director of the Gulf Coast for Concourse Financial Group and Josh’s co-host on the long-running Every Dollar Counts with Josh and Jay Podcast. Jay joins the guys to discuss the $2 trillion dollar tax increase plan that made it way through the House Ways and Means Committee recently and is currently debated in Congress, and how it potentially impacts business owners, self-employed people and investors. /episode/index/show/wealthinwaves/id/20854448

Biz Owners: 5 Things to do by Year End 10/05/2021

Biz Owners: 5 Things to do by Year End Josh Null and Will Steih provide some timely financial topics and tax deferral concepts for our listeners as we enter the 4th quarter. They discuss the timing of claiming income, what to do if you’ve had a profitable year (especially if it’s been an exceptionally profitable year), how to leverage an existing 401k for tax deferral options, and strategies for tax deferral contributions above and beyond your standard 401k limits. Plus they discuss the timing of implementing a qualified retirement plan. /episode/index/show/wealthinwaves/id/20718059

401k Plans and the Business Owner 07/12/2021

401k Plans and the Business Owner Josh and Will discuss 401k plans from a business owner's perspective. When is the best time of the year to offer a plan to your employees and how the Secure Act changed some of the filing deadlines. They also discuss the benefits of having a 401k plan for attracting and retaining employees, especially in a tight labor market. Lastly, it's probably a good time to "benchmark" plans to see if it is as competitive as possible, with the market offering lower fees and higher service. /episode/index/show/wealthinwaves/id/19781801

The Impact of Inflation on Our Everyday Lives 06/22/2021

The Impact of Inflation on Our Everyday Lives In this episode, hosts Will Steih and Josh Null discuss the impact of inflation and interest rates, particularly the current threat of rising inflation, and what it means to different groups of borrowers, investors and business owners. /episode/index/show/wealthinwaves/id/19565129

Lee Lawson of Baldwin County Economic Development Alliance 06/16/2021

Lee Lawson of Baldwin County Economic Development Alliance In this episode hosts Will Steih and Josh Null welcome Lee Lawson, the President and CEO of the Baldwin County Economic Development Alliance (BCEDA) to answer these questions and so much more. Lee gives insight to his role in bringing jobs and opportunities to the growing population of Baldwin County, plus provides a behind the scenes look to why his organization, and Baldwin County, have been so successful. /episode/index/show/wealthinwaves/id/19491332

Here A Tax, There A Tax, Everywhere A Tax, Tax 04/13/2021

Here A Tax, There A Tax, Everywhere A Tax, Tax In this episode, Will Steih and Josh Null discuss how these political and tax policy decisions filter down to impact business owners and high-income earners along the Gulf Coast. If you would like to continue the conversation with Josh and Will, make an appointment on our website at https://gulfcoastfa.com/, or feel free to call 251-327-2124 or email [email protected]. /episode/index/show/wealthinwaves/id/18700808

Income America's Matthew Wolniewicz 04/13/2021

Income America's Matthew Wolniewicz In this episode, Will Steih and Josh Null are joined by Matthew Wolniewicz, the President of Income America, to discuss the events and collaboration that resulted in the Income America offering. Matt discusses his own experiences and frustrations with the lack of fiduciary guidance and products available to retirees seeking lifetime income. /episode/index/show/wealthinwaves/id/18700760

How to Avoid Unintended (& Unwanted) Business Partners 04/13/2021

How to Avoid Unintended (& Unwanted) Business Partners In this episode, Will Steih and Josh Null discuss why you should have a fully funded buy-sell agreement and give practical tips on how to accomplish that. If you would like to continue the conversation with Josh and Will, make an appointment on our website at gulfcoastfa.com, or feel free to call 251-327-2124 or email [email protected]. /episode/index/show/wealthinwaves/id/18700646

How To Keep Your Best Employees Loyal 04/09/2021

How To Keep Your Best Employees Loyal In this episode, Will Steih and Josh Null discuss one possible concept for business owners to consider as a solution called “Non-Qualified Deferred Compensation (NQDC). NQDC can be a useful tool to attract and retain talent while maintaining some control over the agreement. /episode/index/show/wealthinwaves/id/18668963

Can A Small Business Owner Create Their Own Pension? 04/09/2021

Can A Small Business Owner Create Their Own Pension? Pensions, or Defined Benefit Retirement Plans, have historically been the domain of large Fortune 100 companies and public sectors employers. Can a privately held small business (50 employees or less) create a defined benefit type plan for it’s owners and employees? In this episode hosts Will Steih and Josh Null discuss one possible pension-like solution for small business owners to consider a Cash Balance Plan. /episode/index/show/wealthinwaves/id/18668741

And so it BEGINS! 04/09/2021

And so it BEGINS! In this episode hosts Will Steih and Josh Null discuss their respective journeys to creating the Wealth in Waves podcast, focusing on the “what’s the point” of the show, especially how we hope the show will be used to help our clients become more educated and confident in their financial decisions. /episode/index/show/wealthinwaves/id/18668357

Wealth In Waves

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