In the latest episode of Amplified Wealth: According to Plan, the team sits down with Kevin Kang, Vanguard’s Senior International Economist, to explore the key forces shaping the economy and financial markets over the next decade.

Backed by over 100 years of historical data, Kevin and his team analyzed the "megatrends" likely to drive future GDP growth — and the risks that could drag it down.

Episode Highlights:

📈 The 5 Megatrends Shaping the Economy:
From technological innovation to rising government debt, discover the five long-term forces likely to impact your portfolio.

🧠 Why Productivity is King:
Learn why AI-powered productivity may be the single most important trend — and how it stacks up against structural deficits.

🧓 Debunking Demographics:
An aging population may not be the inflationary threat we once thought. Kevin explains why the Fed’s role is far more important.

🌍 Globalization & Inflation:
Did trade and labor supply really tame inflation? The data might surprise you.

💼 Investment Implications:
Find out why tilting toward value stocks and holding high-quality bonds could make sense — regardless of which future unfolds.

This wide-ranging conversation is packed with insight into what really drives markets over time — and how investors can prepare.

Timestamps:

0:00 – Cold open & fashion megatrends

2:22 – Introducing Kevin Khang and his role at Vanguard

9:51 – Vanguard's Megatrends white paper and upcoming book

16:25 – The 5 Megatrends that drive the economy

23:04 – Globalization, demographics, and inflation

27:36 – Not all deficits are counterproductive

32:14 – US debt projection as America ages

39:35 – Historical general purpose technologies and productivity growth

53:21 – Vanguard's stance on AI stocks, megatrends, fixed-income, and long-term investing

1:04:51 – What if AI fails?

1:11:34 – DOGE’s impact on structural deficit headwind and closing

Read Vanguard's Megatrends White Paper: https://bit.ly/42yI3z7

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth: According to Plan, Tom Farrell and Kate Fishbein dive into Section 121, the powerful (but often overlooked) tax break that can exclude up to $500,000 in capital gains when selling your primary residence.
 
Episode Highlights:
 
🏡 What is Section 121?
Learn how this IRS rule helps homeowners exclude up to $250K (single) or $500K (married) in capital gains from taxes when selling a primary residence.
 
📋 Eligibility Rules Made Simple
Break down the ownership, residency, and lookback tests to determine whether you qualify.
 
🧾 Cost Basis & Capital Improvements
Discover what counts toward your adjusted basis — and why saving your receipts could save you big.
 
🛠️ What Doesn’t Count
From utilities to paint touch-ups, find out which common home expenses don’t help your tax situation.
 
💰 Above the Limit? Don’t Panic.
Even gains beyond the exclusion get favorable tax treatment — and there may still be planning opportunities available.
 
And much more! 
 
Tune in now to Amplified Wealth and subscribe on all of your favorite podcast platforms (links above).

-----
Timestamps:

(0:00) – Cold Open / Catching Up
 
(2:05) – Today’s Topic: Section 121 Capital Gains Exclusion

(4:48) – What is Section 121? The Basics

(5:51) – Who Doesn’t Qualify for the Exclusion?

(9:08) – Lookback Rules: One Exclusion Every Two Years

(10:34) – What Increases Your Home’s Adjusted Basis?

(12:49) – What Doesn’t Count: Common Mistakes

(17:23) – Real-Life Example: Calculating Section 121 Exclusion

(20:14) – What Happens if Your Gain Exceeds the Exclusion Limit?

(21:18) – Case Study: Builder Using the Exclusion Strategically

(26:33) – Final Thoughts and Outro

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

Originally recorded February 7th as part of our quarterly webinar series.

2024 was a year to remember for the markets, with major indices like the S&P 500 achieving another 20%+ performance year, optimism surrounding AI driving innovation, and a soft-landing narrative shaping economic resilience.

As we enter 2025, questions remain: Can the momentum continue? What impact will shifting monetary policy, emerging risks, and new economic policies have on the year ahead?

Tune in to our Winter 2025 Economic Outlook Webinar as we break down the trends, opportunities, and challenges that will define the year - and how they may impact your financial strategy.

Timestamps:

Introduction & Firm Overview (00:00:47)

Market Performance & Election Year Trends (00:02:55)

Trump’s Tariff Policies & Market Impact (00:09:01)

Market Forecasts for 2025 (00:15:35)

Valuations & Market Concentration Risks (00:23:44)

Mag 7 Performance and Earnings Dynamics (00:29:52)

PE Ratios & Long-Term Returns (00:35:20)

Market Corrections Are Normal (00:45:07)

Q&A and Closing Remarks (00:50:19)

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth: According to Plan, Tom Farrell and Kate Fishbein tackle everything you need to know about Health Savings Accounts (HSAs) — from eligibility and benefits to long-term planning strategies.

Episode Highlights:

💡 HSA Basics: Understand who qualifies for an HSA and how high-deductible health plans (HDHPs) work.

📈 Triple Tax Benefits Explained: Discover how HSAs offer pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.

🏥 Why HSAs Aren’t “Use It or Lose It”: Learn how funds roll over, grow tax-deferred, and even follow you if you change employers.

👨‍👩‍👧‍👦 Family Dynamics and HSAs: How to coordinate benefits and make the best decision for your family’s health needs.

📆 2025 Contribution Limits & Strategies: Maximize your contributions to build significant long-term savings for healthcare expenses.


And much more!

Timestamps:
(03:21) - What is an HSA?

(06:05) - Evaluating health plans during open enrollment

(08:32) - Restrictions: Medicare and FSAs

(15:57) - 2025 HSA contribution limits

(20:53) - Triple tax advantage

(29:27) - Planning opportunities

(36:39) - What qualifies as a medical expense?

(42:38) - Importance of keeping records

(43:57) - "Use as you go" vs. "Let it grow" strategies

(51:12) - HSA inheritance rules

(56:13) - HSAs as a long-term financial tool

(57:12) - Closing remarks

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth, hosts Austin Hagaman and Adam Armstrong sit down with Ryan Edwards, a finance and economics student who's already leaving his mark in the industry.

This episode is a must-listen for students, parents and anyone looking to get ahead in finance - or help their children gain career momentum.
 
Episode Highlights:

🎓 Networking as a Student: Ryan shares how he connected with top finance leaders by reaching out with confidence.

💡 Breaking into the Industry: Tips for landing internships and growing your career, even before graduation.

📆 Future-Proofing Your Career: How Gen Z can stand out and prepare for long-term success in finance.

📈 Building a Blog That Opens Doors: Discover how Ryan’s blog helped him secure interviews with industry giants like Liz Ann Sonders and Stephen Moore.

🔍 And Much More!

Timestamps:

0:00 - Cold Open
5:38 - Introducing Ryan Edwards
8:07 - Ryan's blog and the people he has interviewed
11:35 - What differentiates Ryan's blog from other financial media
15:27 - Advice for those trying to break into an industry
18:58 - How Ryan started reaching out to people for interviews
26:04 - Ryan's professional plans and advice for breaking into finance
35:37 - Highlights of Ryan's blog and where to find it
39:47 - Discussion of attending conferences and networking
43:24 - Ryan's news sources and financial media consumption
48:15 - What's new & conclusion 

Resources:
RKE blog: https://ryankedwards.com/
Wolf Financial: https://wolf.financial/

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In this very special crossover episode, Austin Hagaman and Adam Armstrong welcome Tom Farrell and Kate Fishbein - hosts of Amplified Wealth's According to Plan series - to discuss key topics from the Financial Planning Committee's Year-End Newsletter.

 Episode Highlights:
 
🥧 Asset Allocation Strategies – Striking the right balance between growth and preservation as you approach retirement.

🎁 The Bucketing Approach – Simplifying portfolio management for immediate, medium, and long-term needs.

📈 Roth Conversions – Tax-efficient strategies to save more and grow wealth post-retirement.

🌇 The Impact of TCJA Sunset – What potential tax changes mean for your planning.

 🔍 And Much More!

Timestamps:
Overview & Soft Open: (0:00)
Introduction: (2:30)
Portfolio Allocation Considerations: (3:49)
What is a 'Safe' Withdrawal Rate: (24:28)
Limitations to the 4% Rule: (30:37)
100-Minus-Age Rule for Portfolio Diversification: (36:48)
The Bucketing Strategy: (40:11)
Tax Cuts & Jobs Act & Estate Planning: (48:07)
TCJA and Gifting & Trust Planning: (1:01:59)
Roth Conversion Benefits: (1:03:58)

Download the full Financial Planning Newsletter on our website.

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

Recorded Tuesday, November 5th, 2024.

U.S. equity markets saw encouraging gains in Q3, with all major indices posting positive returns. The summer ended with the Federal reserve embarking on their first rate cut since 2019 which caused some shifts in the market. Leadership, previously concentrated in large-cap tech, has shifted, allowing other sectors and asset classes to shine.
 
Tune in as we discuss the shifts investors should keep their eye on moving forward - making it crucial to stay informed and prepared for what lies ahead with your portfolios.

Timestamps:
00:40 Inflation

05:41 Market Interest Rate Forecast (Fed Dot Plot)

09:36 Technology vs Other Asset Classes

17:01 S&P with and without Mag 7

20:56 Equities Outperform Fixed Income Despite Rates Being Highest in Over a Decade

25:25 Audience Question – Warren Buffet Selling Stock – What Does it Mean for Greater Market?

27:42 Timing the Market & Yield Curve Inversion

33:33 Election Day & Historical Market Performance by President and Congress Makeup

40:31 Calendar Year Returns Since 1928

44:40 Investing at All Time Highs

47:25 Q&A – Tech Stocks, AI and Risk Management

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth's According to Plan, hosts Kate Fishbein and Tom Farrell tackle one of the most confusing yet essential retirement planning topics: the new inherited IRA rules. They break down the changes brought by the SECURE Act and the impact on beneficiaries. 

Episode Highlights:

 ⏰ The 10-Year Rule Explained: Unpack the complexities of the 10-year withdrawal rule and how it affects non-eligible designated beneficiaries.

 💼 Inherited IRAs and Tax Planning: Learn about strategies to minimize tax burdens while complying with new rules.

 🔔 Eligible vs. Non-Eligible Beneficiaries: Clarify the differences and how each group is impacted by required minimum distributions.

 🧑‍🤝‍🧑 Spousal Beneficiary Considerations: Explore the unique rules and options for surviving spouses inheriting retirement accounts.

 🔍 RMDs and the SECURE Act: Discover how to navigate required minimum distributions based on the age and circumstances of the original account owner.

 And much more! 

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth, hosts Austin Hagaman and Adam Armstrong welcome Duane Liedl, Director of Fixed Income at BlackRock for an in-depth look at today's bond market.
 
Episode Highlights:

📊 Navigating Bond Market Volatility: Understand recent market challenges and how bonds are regaining their place as portfolio stabilizers.

🏦 Tax-Efficient Investing with Municipals: Explore how municipal bonds provide tax benefits, especially for high-income investors.

💼 The Impact of Fed Rate Cuts: Learn how the recent rate cuts have reshaped bond yields and what lies ahead for investors.

📉 Inflation’s Effect on Fixed Income: Duane breaks down how inflation influences bond yields and what it means for long-term investors.

📆 Election and Policy Influence: Learn how potential changes in tax policy and government funding might affect bond markets in the coming year.

 🔍 And Much More!

-----------------------------------

Timestamps:

Intro & Soft Open: (00:00)
Introducing Today's Guest: (02:04)
Discussion of the Municipal Bond Market Challenges: (04:32)
Are Bonds Broken? Addressing Investor Concerns: (05:57)
Explaining the Recent Fed Rate Cuts and Bond Yields: (07:40)
The Return of Bonds as a Portfolio Stabilizer: (09:20)
Impact of Inflation and the Fed's Policy on Bond Markets: (10:27)
Municipal Bonds' Historical Reaction During Elections: (11:15)
Tax Benefits and Municipal Bond Performance: (19:28)
The Importance of Duration and Locking in Yields: (21:42)
Supply and Demand in the Municipal Bond Market: (39:40)
Election Impact and Tax Law Changes on Municipal Bonds: (44:56)
Supply Trends and Municipal Bond Issuance Factors: (48:55)
Conclusion and What's New Segment: (59:50) 

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth's According to Plan, hosts Kate Fishbein and Tom Farrell dive into one of the most critical topics for retirees - determining a sustainable withdrawal rate. Joined by special guest Ann Schnorrenberg, CFP®, PhD, the discussion unpacks the history, assumptions, and modern-day relevance of the widely-known “4% rule” for retirement withdrawals.

Episode Highlights:

📊 The Origins of the 4% Rule: Discover the background of this popular retirement strategy, its assumptions, and why it’s still widely referenced nearly 30 years after its inception.

💡 Modern Adjustments: Learn how today’s retirees are facing different market conditions, longer life expectancies, and fluctuating inflation, requiring more flexibility than ever before.

📉 Tax Implications: Understand how the 4% rule doesn't account for taxes and why it’s essential to factor in your individual tax situation when planning withdrawals.

🔍 Personalizing Your Plan: Explore how using customized financial planning tools allow for a more nuanced approach, accounting for various income streams, lifestyle needs, and unexpected expenses.

💬 Guardrails & Flexibility: Hear about alternative strategies that adapt withdrawals based on market performance, ensuring you stay on track without compromising your retirement goals.

🎯 Legacy Considerations: Whether you plan to leave an inheritance or spend down your portfolio, there’s a strategy for every goal.

Don't miss this insightful episode packed with expert advice on how to create a retirement income plan that works for your unique situation.


Timestamps: 
Introduction: (00:00) 
Overview of the 4% Rule: (01:26) 
Tax Considerations in Retirement Planning: (06:12) 
Impact of Inflation & Historical Returns: (09:24) 
Adjusting for Extraordinary Expenses: (10:57) 
Asset Allocation & Portfolio Longevity: (13:19) 
Guardrails & Dynamic Withdrawals: (25:19) 
Conclusion & Key Takeaways: (39:55) 

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth, hosts Austin Hagaman and Adam Armstrong sit down with Jonah Gruda, a tax expert and Partner at Withum, to explore the intricate world of tax planning in these uncertain times. As we approach significant legislative shifts, understanding the landscape is crucial for anyone serious about financial planning.

Episode Highlights:

💼 Tax Cuts and Jobs Act (TCJA) Overview: Jonah provides a deep dive into the TCJA, explaining its key provisions and what changes could mean for you as we near the 2025 expiration date.

📅 Strategic Estate Planning: Discover why now is the time to review and potentially update your estate plan before the current tax laws sunset, especially for high-net-worth individuals.

📊 Long-Term Tax Outlook: Gain insights into the potential long-term trajectory of tax rates and what that means for your financial future, including planning for higher rates in the coming years.

💡 Practical Steps for Uncertainty: Learn actionable steps to take today, from reviewing your liquidity needs to engaging with your advisory team, ensuring you're prepared no matter what happens in the next election.

🌟 Working with a Team: Jonah emphasizes the importance of collaboration between your wealth advisor, CPA, and estate planning attorney to align all aspects of your financial life.

Timestamps:

Soft Open / Introduction: (00:29)

Meet Jonah Gruda - Tax Insights: (02:34)

The Tax Cuts and Jobs Act Overview: (07:29)

Current Tax Environment and Future Considerations: (15:34)

Estate Planning Strategies Before 2026: (28:23)

Taxation, Wealth Planning, and Social Programs: (42:55)

Discussion on Unrealized Gains and Wealth Taxes: (53:31)

Personal Stories and Fun Facts: (1:02:21)

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth's According to Plan, hosts Kate Fishbein and Tom Farrell welcome Monica Jalife to discuss the ins and outs of owning a second home. Whether it's a lakeside retreat or a cozy cabin in the woods, there are many factors to consider before making your decision.

Episode Highlights: 

🏡 Understanding the Purpose: Discover the different purposes a second home can serve - from a personal retreat to an investment opportunity - and how to align it with your financial goals. 

🔍 Financial Planning Essentials: Learn about the critical financial aspects, including cash flow considerations, rental potential, and the impact on your long-term financial plan.

📈 Navigating Risks and Rewards: Explore the potential risks involved, such as market volatility and unexpected expenses, and how to mitigate them while enjoying the rewards of a second home. 

🔨 Maintaining Your Property: Get practical tips on managing maintenance, insurance, and legal considerations, especially if you're planning to rent out the property. 

🌍 Try Before You Buy: Hear about the benefits of renting in potential areas before purchasing to ensure it fits your lifestyle and retirement plans.
And much more! 

Timestamps:
Before You Buy - Goals and Priorities: (04:18)

Affordability, Renting, Costs and Risks: (14:04)

Tax Considerations: (27:55)

Alternatives to Owning: (38:45)

Fun Facts & Conclusion: (40:14)

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth, Adam Armstrong and Austin Hagaman welcome Michael Townsend, Managing Director of Legislative and Regulatory Affairs at Charles Schwab. Tune in and hear from the "Wizard of Washington" -  and see how current and potential political developments might impact the markets and your investments.
 
Episode Highlights:

 🗳️ Election Insights: Explore the current political and regulatory landscape in Washington, DC - and what it means for the upcoming election.

📈 Market Performance: Learn how markets typically perform in election years and the historical trends that matter most to investors.

💼 Policy Impact: Understand the potential changes in tax policy, government funding, and regulations, and how they might affect your investment strategy.

🔍 AI and Innovation: Discover the bipartisan interest in AI regulation and what guardrails might be put in place in the near future.

💡 Long-Term Investment Wisdom: Mike shares valuable insights on why staying invested through political changes is crucial for long-term financial success.

 🔍 And Much More!

Timestamps:

Introducing Mike Townsend: (02:07)

Current Political and Regulatory Landscape in Washington: (06:55)

Upcoming Sunset for 2017 Tax Cuts: (09:29)

Artificial Intelligence and Tech: (13:57)

What Will The Fed Do Next: (16:52)

Biden Steps Down / Kamala Steps Up: (21:50)

Senate Map: (28:04)

Debt: (30:59)

Trump's Electability Post-Assassination: (36:54)

Best Political Makeup for Markets: (39:21)

Historical Presidential and Political Impact on Investing: (43:02)

What's New with Michael Townsend: (48:29)

Wrap Up and Post-Show Analysis: (55:23)

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth - According to Plan, hosts Kate Fishbein, CFP®, and Tom Farrell, CFP®, dive into recent changes in 529 plans and how these updates can benefit you and your family.
 
Episode Highlights:
 
529 Plan Updates: Discover the latest changes to 529 plans, including the new "grandparent 529 loophole" and how it affects financial aid eligibility.
 
Financial Aid Simplification: Understand the implications of the FAFSA Simplification Act and its impact on third-party 529 plans for the 2024-2025 school year.
 
Beneficiary Flexibility: Learn about the options for changing 529 plan beneficiaries and how these plans can be used as a legacy tool for future generations.

Roth IRA Rollovers: Explore the exciting new provision in the Secure Act 2.0 that allows for a lifetime $35,000 rollover from a 529 plan to a Roth IRA for the beneficiary, along with important rules and considerations.
 
And more!

Timestamps:
Summary and Soft Open: (00:00)

Grandparent 529 Loophole: (02:09)

Unused 529 Funds: (06:23)

Converting to Roth IRA: (12:23)

Important Caveats: (13:37)

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth, Adam Armstrong and Austin Hagaman welcome Carmine D'Avino as he dives into the world of investment 'isms, market trends and strategies for long-term success.


Episode Highlights:
 Addressing Market 'Isms: Explore the origins and impact of well-known market 'isms like "Sell in May and Go Away" and how they might negatively influence investment decisions.

Navigating Market Volatility: Gain insights into managing market volatility and the importance of sticking to a well-thought-out investment plan.

Investing is Not Gambling: Address the importance of understanding the difference between market fundamentals and speculative betting.

Political Environment and Market Recovery: Discuss the current political environment and how markets have historically recovered from crises -providing valuable perspective for today's investors.

The Role of Technology and Historical Trends: Learn about the impact of technological advancements and historical trends on the current market landscape.


Timestamps:
Summary and Soft Open: (00:00)

Carmine Introduction: (03:40)

"Sell in May and go away" and other adages: (09:30)

Correlation vs. causation in market trends: (15:17)

January effect and impact of missing best market days: (20:35)

Comparing gambling odds to stock market investing: (24:56)

Historical resilience of the stock market: (39:43)

Volatility within positive market years: (44:22)

Market performance under different political parties: (1:10:00)

Impact of technology on investing and daily life: (1:13:36)

Conclusion and wrap-up: (1:20:00)

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth - According to Plan, hosts Kate Fishbein and Tom Farrell delve into the upcoming expiration of the 2017 Tax Cuts and Jobs Act (TCJA) and its potential impact on your finances.

For this timely topic, Tom & Kate welcome special guest Lynn Mucenski-Keck, a tax principal with over 20 years of experience in the accounting profession. Lynn serves as the national lead on federal tax policy at Withum, a top 25 public accounting firm, and specializes in federal domestic and international tax planning for businesses and individuals.

In this episode, we cover:

📅 An overview of the TCJA and its impending expiration on December 31, 2025
📈 Potential changes to individual tax rates and deductions
🏢 The impact on businesses, including the qualified business income deduction (199A)
🏠 Estate planning considerations and changes to the federal gift and estate tax exemption
✅ Practical steps to prepare for the upcoming changes

Stay informed and prepared as we navigate through these significant tax changes. Make sure to like, comment and subscribe to stay updated with our latest episodes.

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth, Adam Armstrong and Austin Hagaman welcome Ryan Fause to discuss the importance of integrating financial wellness with personal health in order to ultimately maximize your enjoyment in retirement.

Episode Highlights:
Lessons from the 'Blue Zones'

Explore the lifestyles and habits of the 5 locations on earth sharing the longest life expectancies. Discover how diet, exercise and community play a role in longevity and how to incorporate shared practices into your daily routine.

 Nutritional, Mental and Emotional Wellbeing

Learn strategies to reduce stress, maintain social connections and find importance after retirement.

 Ryan's Personal and Daily Routine

Ryan pulls back the curtain on his personal regimen as it relates to his specific food choices, supplements, hobbies and exercise routine.

 How Personal and Financial Health Interplay

We tie it all together with how to plan financially for a longer, healthier life. Understand the importance of a balanced investment strategy and realistic financial planning to ensure the wealth you worked so hard to build lasts throughout your retirement - and beyond.

 And Much More!

Timestamps:
Overview and soft open: (00:00)

Introducing Ryan Fause: (03:00)

Ryan’s interest in health & wellness: (7:50)

Blue Zones and the Power 9 Principles: (10:44)

---Earthquake hits in NJ while on-air --- (13:35)

Nutrition – what exactly are you putting in your body? (21:25)

American diet consists of 60% ultra-processed foods (29:54)

Emotional health and importance of social connections in retirement: (43:20)

Ryan’s daily routine (46:05) 

Financial wellness discussion: (57:27)

Market returns during a lifetime: (01:06:00)

Conclusion and Wrap Up: (01:08:31)

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of Amplified Wealth – According to Plan, Tom Farrell and Kate Fishbein discuss the importance of estate planning and account titling. Discover the different ways assets can pass, including through contracts (such as beneficiary designations), account titling, and trust accounts. 

Learn more about the probate process and its potential drawbacks as well as the role of wills and trusts in estate planning. 

 Episode Highlights:

 Estate planning is essential for ensuring that assets are distributed according to your wishes after you pass away.

• Account titling and beneficiary designations play a crucial role in how assets pass and can help avoid probate.
• Understanding the different ways assets can pass, such as through contracts, account titling, and trust accounts, is important for effective estate planning.
• Consideration of tax implications and the potential drawbacks of probate should be part of the estate planning process. 
• Regularly review and update account titling and beneficiary designations to ensure assets pass according to your wishes.
• Consider creating and funding a trust as a way to avoid probate and have more control over the disposition of assets but creating a trust might involve costs and you need to make sure that the appropriate assets are put into the trust.
• Work with a qualified estate attorney to develop and update your estate plan.

Timestamps:
(00:00)
Introduction

(02:00)
Estate Planning and Account Titling Overview

(05:45)
Ways Assets Can Pass

(08:40)
The Role of Beneficiary Designations and Account Titling

(09:20)
Probate Process and Considerations

(13:12)
The Role of Wills and Trusts

(15:00)
Joint with Rights of Survivorship

(22:00)
Tenants by Entirety

(23:00)
Considerations and Tax Implications

(26:00)
Trusts and Estate Planning

(29:00)
Beneficiary Designations

(32:40)
Sample Client Scenario

(40:30)
Key Takeaways

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In our latest episode of Amplified Wealth, Adam Armstrong and Austin Hagaman dive deep into Bitcoin - the process, the pricing, the distribution of ownership, the upcoming halving-event and the recent host of ETFs that are now available to invest in.

Episode Highlights:

🧐 What is Bitcoin?

We take a look at how Bitcoin compares to different assets - and whether it should be considered a currency, commodity, collectible or something entirely different.

⛏️ How are Bitcoins Mined?

We talk about the mining and blockchain process, and the associated rewards for doing so. We also touch upon topics such as 'the-halving' and how that correlates to pricing fluctuations over time.

📊 Bitcoin Volatility and Price Swings

We discuss the often-dramatic price swings that come along with Bitcoin as we approach record-high pricing.

🆕 New Bitcoin ETFs

We address the new funds that are now available and what to look for when choosing a fund to gain exposure.

🔮 And Much More!


Timestamps:

• Overview and Soft Open: (00:00)
• Introduction: (06:18)
• Deep Dive into Bitcoin – Commodity, Collectible or other?: (10:51)
• Bitcoin Fun Facts and Mishaps: (25:25)
• Distribution of Bitcoin Ownership – How much does US Government hold: (29:50)
• Understanding Blockchain Technology: (35:00)
• Bitcoin Mining, Rewards and the Halving Process: (40:30)
• Bitcoin Mining Subsidies, Relation to Boom and Bust Cycles, Puell Multiple: (47:17)
• Premiums and Discounts on GBTC - Intro to Spot Bitcoin Era: (53:00) 
• Deep Dive into Bitcoin ETFs: (01:05:24)
• Return Patterns and Volatility of Bitcoin: (01:20:05)
• Conclusion and Wrap Up: (01:25:09)

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of 'According To Plan', hosts Tom Farrell and Kate Fishbein welcome Monica Jalife - Principal and Wealth Advisor  - to discuss financial planning best-practices as we begin the new year.

Learn about actions you can take now to help set you on the path to financial success!

Here is a snapshot of what was discussed:

🎯 Establishing Short-Term and Long-Term Financial Goals
The importance of an emergency fund
Managing credit card debt
Developing a retirement plan and insurance needs

💳Creating a Budget Incorporating Goals
Analyzing current spending
The importance of paying yourself first

📊 Asset Allocation
Short and long-term goals
Tax implications of each account's holdings

🔐 Cybersecurity Check
The importance of setting strong passwords
Monitoring your credit report

And more!

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest, festive episode of our podcast, Amplified Wealth, Adam Armstrong & Austin Hagaman interview Jim Ferrare - who delves into the evolution of the industry over the past four decades, and discusses its future trajectory.

 Episode Highlights:

 🏡 A Look Back Over The Years

A reflection on Jim's illustrious 40-year career, unpacking the challenges and triumphs that have shaped the industry.

 🎉 2023 Year in Review and What Lies Ahead

The market closed the year at record highs - offering surprising relief from the bear market in 2022. Could there be more surprises ahead in the coming year?

 📊 Navigating Market Shifts and Industry Changes

Insights into the evolution of the industry - and how the 24/7 news cycle, major events and technology have shaped the industry.

 🔮 The Future Landscape and Investor Guidance

Addressing concerns about AI's impact on the industry, the potential tokenization of securities and predictions for the upcoming year.

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the latest episode of 'According To Plan', hosts Tom Farrell and Kate Fishbein dive deep into Tax Loss Harvesting - a powerful strategy for optimizing investment accounts.

Learn about opportunities and actions you can take now to lower your tax bill on non qualified investment accounts. 

Here is a snapshot of what was discussed:

 Tax Loss Harvesting 101

• The importance and benefits of harvesting losses in non-qualified investment accounts
• Unrealized vs. realized gains ; Long-term vs. short-term gains
• Tax-efficient strategies for smarter financial planning

 Wash Sale Rule

• Demystifying the complexities around the Wash Sale Rule

 Planning for the Future

• The benefits of loss carryforwards for future tax years

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In our latest episode of Amplified Wealth, Alice Gabriele and Andrew Gabriele take a deep dive into the dynamics of both the residential and commercial real estate markets.
 
Here's a sneak peek at what you can expect:
 
🏡 Residential Real Estate
Rising mortgage rates, decreasing supply and affordability has helped to create a seller's market. How are owners and first-time homebuyers dealing with current conditions?
 
🏙 Commercial Real Estate
Is the 'Urban Doom Loop' overblown? Learn how the work-from-home phenomenon has affected commercial real estate in major markets, and what this might mean for the greater economy.
 
🌊 Future Thoughts
What ripple effects can we expect to see due to the current real estate landscape - and how can we expect the market to respond?

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In the spirit of Thanksgiving, Tom Farrell and Kate Fishbein discuss some strategies related to charitable giving. In our podcast series, According to Plan, we will be discussing more topics related to financial planning. 

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.

In our first episode of Amplified Wealth we discuss the state of the bond market, interest rate policy ahead and how to make the perfect margarita.

Nothing contained in this presentation should be construed as personalized advice, or solicitation to buy or sell any securities. Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or non-investment related content in this Podcast will be profitable or suitable for your individual situation. Due to changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions. The opinions expressed in this podcast are those of the participants and may not reflect those of the firm. To the extent you have any questions regarding the applicability of anything discussed to your individual situation, you are encouraged to consult with the professional advisor of your choosing. The firm is neither a law firm, nor a certified public accounting firm, and no portion of this content should be construed as legal or accounting advice.