Shows
Your Money with David HaysYour Money with David Hays 07/24/2025David is back this week with another Question-and-Answer Show! Jim Inman will be joining in, asking a variety of your email submissions and in-office meetings. Some of the question topics include: The $1,000 accounts being set up for newbornsDiversification after receiving an inheritanceTips for caring for older parents and children (for those in the "Sandwich Generation")Beneficiary designationsTrusted contactsMedicare premium increases There is something for everyone – tune in to the full hour!2025-07-2543 minYour Money with David HaysYour Money with David Hays 07/16/2025This week David brings Wayne Thacker from the office on the show to discuss the Indiana Public Retirement System (INPRS), which is available to teachers, public employees and others. David and Wayne will discuss how employees become eligible for the benefits of the plan, what options are available to those approaching retirement and survivor benefits. They will also dive into how the program works with those on Medicaid and Medicare, and some of the pitfalls of the plan - and possible ways to avoid them.If you know a...2025-07-1743 minYour Money with David HaysYour Money with David Hays 07/10/2025After last week's show was recorded, the "Big Beautiful Bill" was voted on and approved by the House of Representative. President Trump signed the bill into law on Friday, July 4, 2025. So what happens now? That's what David brings to the air this week - starting with a market discussion with Rod Holloway from CFCI. How did the markets react immediately after the news - Rod and David will talk. David will also share the Good, Bad and Ugly on the bill - the extended tax laws, why Americans will...2025-07-1139 minYour Money with David HaysYour Money with David Hays 07/03/2025The "Big Beautiful Bill" made it through the Senate this week, and is now on to the House for a vote. What does this mean to Americans? David will discuss where the bill is in the legal process, what changes might occur related to the 2017 taxes and jobs acts and what challenges might occur regarding overtime rules. David will also talk about a recent news story that nearly 1,000 Americans became millionaires every day in 2024. How did it happen - and will it continue? Plus, David has some follow-up from...2025-07-0442 minYour Money with David HaysYour Money with David Hays 06/26/2025David is excited to welcome author, media personality, national speaker and IRA expert Ed Slott back to the show this week. More than 20 years ago Ed founded the Elite IRA Advisor Group, of which David is a founding member. On the show this week, David and Ed will discuss the basics of IRAs - both Roth and Traditional - and how they evolved into the investment vehicles used today. They will also discuss the tax advantages of IRAs, the importance of beneficiary designations, required minimum distributions and that legislative changes are happening - and...2025-06-2744 min
Your Money with David HaysYour Money with David Hays 06/26/2025David is excited to welcome author, media personality, national speaker and IRA expert Ed Slott back to the show this week.
More than 20 years ago Ed founded the Elite IRA Advisor Group, of which David is a founding member. On the show this week, David and Ed will discuss the basics of IRAs - both Roth and Traditional - and how they evolved into the investment vehicles used today. They will also discuss the tax advantages of IRAs, the importance of beneficiary designations, required minimum distributions and that legislative changes are happening - and need to happen, from Ed's perspective...2025-06-2744 minYour Money with David HaysYour Money with David Hays 06/19/2025We are back with the Question-and-Answer Show this week! There is much to discuss (unfortunately we do not have an answer as to why there is so much rain lately), including: Contribution limits on Simple IRAs and Roth IRAs Widows benefits for Social Security recipients Health insurance credits Exemption planning when a loved one is in the hospital Distributing losses from an investment Using your 529 funds for education expensesDavid and Jim Inman will have plenty to discuss - be sure to tune in this week! 2025-06-2042 min
Morning by Morning Daily Prayer Journey with Tommy Hays of Messiah MinistriesRising Lion - Morning by Morning, June 19, 2025Send us a text“Behold, the Lion of the Tribe of Judah, the Root of David, has prevailed...” (Revelation 5:5).Written and sent out from the morning prayer time of Tommy Hays each day.God bless you and may you have a great day!—Tommy Hays | Messiah Ministrieshttp://messiah-ministries.org2025-06-1904 minYour Money with David HaysYour Money with David Hays 06/12/2025On the show this week, David takes a look at a common investment method - Target Date Funds. Many people use them (often through their employer), but can there be any drawbacks to them? Plus, David has information on the "Final Regulations" of the Secure Act from his recent Ed Slott IRA conference (by the way, Ed will be a guest on the show at the end of June), and he will share about opportunities with Roth IRA conversions that could help in your retirement planning. Rod Holloway will also be ca...2025-06-1343 minYour Money with David HaysYour Money with David Hays 06/05/2025The alarm is sounding on the US nation debt (nearing $37T, according to USDebtClock.org), and an article in the Wall Street Journal is asking "Is the US going broke?" David will take on that topic in the show this week, sharing what various people in Washington have recently said about the matter. The Great Wealth Transfer is on - but who is inheriting the money? American women are set to receive $50T from their spouses and loved ones - so make sure you are prepared when the time comes. 2025-06-0643 minYour Money with David HaysYour Money with David Hays 05/29/2025David is back in the studio this week with a new show... and starting the show off with a market update from Rod Holloway with CFCI. David and Rod will discuss the jobs market, tariffs, why the Federal Reserve is hesitant to lower interest rates and what may be coming over the summer. David will also share updates from his recent visit to the Ed Slott Elte IRA Advisor meeting earlier in May. The theme was "Close enough isn't good enough," and David will share how that impacts Qualified Charitable Distributions, IRA catch-ups and m...2025-05-3043 min
TBPNCrémieux, Tess Cameron, Eoghan McCabe, Pippa Lamb, Jack Dreifuss, David Tisch, TJ Parker, Surprise U.S.-China Trade Deal, Trump EO on Drug Prices, New Air Force One in 2025?, Perplexity Valuation SurgeTBPN.com is made possible by:Ramp - https://ramp.comVanta - https://vanta.comLinear - https://linear.appFigma - https://www.figma.comEight Sleep - https://eightsleep.com/tbpnWander - https://wander.com/tbpnPublic - https://public.comAdQuick - https://adquick.comBezel - https://getbezel.com Numeral - https://www.numeralhq.comPolymarket - https://polymarket.comFollow TBPN: https://TBPN.co...2025-05-133h 47Your Money with David HaysYour Money with David Hays 05/08/2025History tends to repeat itself... We can learn a lot from history... History doesn't repeat itself, but it often rhymes... Those are a few of the lines David will be considering this week as he looks at past stock market performance when there have been declines of 25% (did you know there have been 15 occurrences of the S&P 500 dropping by 25% since 1957?). What happened in the following years after those drops? David will share some history. Rod Holloway from CFCI will be calling in with an update on first-quarter earnings, GD...2025-05-0945 minYour Money with David HaysYour Money with David Hays 05/01/2025The start of a new month means a new "Question and Answer Show" - and David Hays and Jim Inman have a variety to share with you this week. This week the topics include:Disability insuranceTaking distributions during volatile marketsBusiness transitionsInheriting an IRA from a parentLeftover funds from a 529 planUsing a SEP IRA for a Qualified Charitable Distribution (QCD)Understanding 60-day rollovers for IRAsDo you have a question for a future episode? Reach out to David - https://www.cfci.us/your-money2025-05-0244 minYour Money with David HaysYour Money with David Hays 04/17/2025Earlier this week Julien Albertini – an investment portfolio manager from First Eagle Investments – spoke with David and the team at Comprehensive Financial Consultants. Julien has been traveling in Japan and will be headed to Europe in a few weeks as part of his role. David will share some insights from Julien's visit on the show this week, highlighting the national debt, gold, tariffs and taxes. David will also look at the bond chaos of long-term yields, trying to time market recessions and answer the question "If I have money now, is it a good time...2025-04-1843 minYour Money with David HaysYour Money with David Hays 04/10/2025This week on the show, author and podcast host David McKnight returns to talk about his Power of Zero Philosophy - a strategy built on the belief that tax rates are likely going up. If your savings are in IRAs or 401(k)s, future taxes could take a bigger bite than you think. David Hays will also share insights from a recent meeting with Rep. Erin Houchin, touching on tax proposals, Social Security reform (or lack thereof), and why “Rothification” is gaining traction. McKnight and Hays will also discuss the “Guru Gap” - w...2025-04-1141 minMorning by Morning Daily Prayer Journey with Tommy Hays of Messiah MinistriesThe “Donkey” the Lord “Needs” - Morning by Morning, April 10, 2025Send us a text“Now when they drew near Jerusalem, to Bethphage and Bethany, at the Mount of Olives, (Jesus) sent two of His disciples; and He said to them, ‘Go into the village opposite you; and as soon as you have entered it you will find a (young donkey) tied, on which no one has sat. Loose it and bring it. And if anyone says to you, ‘Why are you doing this?’ say, ‘The Lord has need of it,’ and immediately he will send it here.’ “So they went their way, and found the colt ti...2025-04-1004 minMorning by Morning Daily Prayer Journey with Tommy Hays of Messiah Ministries"Blessed is He Who Comes in the Name of the Lord” - Morning by Morning, April 8, 2025Send us a textMorning by Morning, April 8, 2025 - “Blessed is He Who Comes in the Name of the Lord” Good morning, Lord Jesus. Let Your words of spirit and life saturate my soul and set me on the path of Your will for my life today. ... “On that very day some Pharisees came, saying to (Jesus), ‘Get out and depart from here, for Herod wants to kill You.’ “And He said to them, ‘Go, tell that fox, ‘Behold, I cast out demons and perform cures t...2025-04-0806 minYour Money with David HaysYour Money with David Hays 04/03/2025t's a big show this week on WGCL Radio - Social Security has been in the news and on the minds of many people over the last few months. David is excited to welcome Jolene Dixon from the Bloomington Social Security Administration office back to the show to discuss a variety of topics and help separate some of the facts from the fiction.Jolene will provide updates on the new identity verification process, the Fairness Act that began in January, understanding benefits for divorcees and widows, strategies for married couples and the process of...2025-04-0443 minYour Money with David HaysYour Money with David Hays 03/27/2025This week David shares about some recent interactions he's had - first as the moderator of a panel of local bankers for the Bloomington Economic Development Corporation (BEDC) as well as a meeting with Congresswoman Erin Houchin. David will recap both experiences and share what he learned.Rod Holloway from CFCI will have a market update to share (including a discussion on tariffs) and David will also offer five retirement account moves that you can still make for 2024.2025-03-2843 minYour Money with David HaysYour Money with David Hays 03/20/2025Catch Your Money Thursdays at 6pm and Saturday mornings at 92025-03-2142 minYour Money with David HaysYour Money with David Hays 03/20/2025It's an encore presentation of last week's show with Tom Hegna, because of Spring Break!David Hays welcomes author, economist and retirement guru Tom Hegna to the show this week. David and Tom will discuss a retiree's biggest worries - running out of money - and finding possible options to minimize the risk.David and Tom will also discuss taxes - looking for investment accounts that can offer long-term tax benefits to individuals and families.They will also talk about the national debt (currently at...2025-03-2142 minYour Money with David HaysYour Money with David Hays 03/13/2025Catch Your Money Thursdays at 6pm and Saturday mornings at 92025-03-1443 minYour Money with David HaysYour Money with David Hays 03/13/2025Joining David this week is author, economist and retirement guru Tom Hegna. David and Tom will discuss a retiree's biggest worries - running out of money - and finding possible options to minimize the risk. David and Tom will also discuss taxes - looking for investment accounts that can offer long-term tax benefits to individuals and families. They will also discuss the national debt (currently at $36T and growing) and what Tom's perspective is on America's financial future. Tom brings great expertise to the show - don't mis...2025-03-1443 minYour Money with David HaysYour Money with David Hays 03/06/2025Catch Your Money Thursdays at 6pm and Saturday mornings at 92025-03-0743 minYour Money with David HaysYour Money with David Hays 03/06/2025You asked and we listened! This week we're back with the ever-popular Question-and-Answer Show with David and Jim Inman. We have a variety of questions this round, including: • Can I give 529 funds to my niece after my daughter graduates college? • What's the difference between per sterpes, per capita and pro rata? • Where do my tax dollars go? • When can I convert my SIMPLE IRA to a Roth IRA? • What access does a Power of Attorney (POA) give an individual? If you have a question for us, you...2025-03-0743 minYour Money with David HaysYour Money with David Hays 02/27/2025David is on the microphone this week to address the fears and challenges coming from Washington in the last few weeks. Between tariffs, NATO, Warren Buffet, DOGE and Ukraine, there is a lot of change happening in the US... and David will look at some history of change in US politics and offer some ways to stay calm amid the media noise. Also this week, David will discuss spending in retirement. It's not always an easy thing to go, but it's an important part of a happy retirement. Plus IRA updates and common mistakes as well as the importance of...2025-02-2843 minYour Money with David HaysYour Money with David Hays 02/27/2025Catch Your Money Thursdays at 6pm and Saturday mornings at 92025-02-2843 minYour Money with David HaysYour Money with David Hays 02/20/2025Catch Your Money Thursdays at 6pm and Saturday mornings at 92025-02-2143 minYour Money with David HaysYour Money with David Hays 02/13/2025David is on the air with thoughts on inflation - up 3% in January, according to a Labor Department announcement. He will also dive into investment vehicles like buffered ETFs (exchange-traded funds) and buffer annuities and explain the pros and cons when considering them for an investment portfolio. David will also share about the psychology of money and understanding the differences in signing up for Social Security - your age, your marital history, minor children and more. Did you know where your money comes from impacts how your save and how you spend? It’s somet...2025-02-1443 minYour Money with David HaysYour Money with David Hays 02/13/2025Catch Your Money Thursdays at 6pm and Saturday mornings at 92025-02-1443 min
Kerrville Weekly News RoundupKerrville Weekly News Roundup: February 8, 2025Welcome to the Kerrville Weekly News Roundup. Each week, veteran podcaster Tom Fox and his colleagues Andrew Gay and Gilbert Paiz get together to go over a couple of their favorite stories from the past week from Kerrville and the greater Hill Country. Sit back, enjoy a cup of morning coffee, and listen in to get a wrap-up of the Kerrville Weekly News. We each consider two of our favorite stories and talk about the upcoming weekend’s events, which we will enjoy or participate in this weekend.In this episode, Andrew returns to examine some of th...2025-02-0802 minYour Money with David HaysYour Money with David Hays 02/06/2025David welcomes local attorney Lance Like to the show this week for a full hour on estate planning. Whether someone is young or old, single or married, an estate plan is a key part of a person's long-term financial goals.
David and Lance will discuss Medicaid rules and planning, estate taxes, veterans benefits and why people should think of estate planning like tax planning. There will also be talk on Powers of Attorney (POA), providing for special needs children and the high estate tax exemption sunset in 2026.
If you want to know about estate planning, be sure to tune in...2025-02-0743 minYour Money with David HaysYour Money with David Hays 02/06/2025David welcomes local attorney Lance Like to the show this week for a full hour on estate planning. Whether someone is young or old, single or married, an estate plan is a key part of a person's long-term financial goals. David and Lance will discuss Medicaid rules and planning, estate taxes, veterans benefits and why people should think of estate planning like tax planning. There will also be talk on Powers of Attorney (POA), providing for special needs children and the high estate tax exemption sunset in 2026. If you want to kn...2025-02-0743 minYour Money with David HaysYour Money with David Hays 01/30/2025David is in the studio this week and there is a lot to discuss out of DC - the announcement of a buyout for federal employees, a potential push on interest rates from the White House and what Fed Chair Jerome Powell shared on Wednesday. David will also review last week in the markets, including a "black swan" event related to AI. There's also conversation on gold, inflation and taxes - the season has begun, and David will dive into income tax as well as sales tax, usage tax and more. 2025-01-3140 minYour Money with David HaysYour Money with David Hays 01/30/2025David is in the studio this week and there is a lot to discuss out of DC - the announcement of a buyout for federal employees, a potential push on interest rates from the White House and what Fed Chair Jerome Powell shared on Wednesday.
David will also review last week in the markets, including a "black swan" event related to AI.
There's also conversation on gold, inflation and taxes - the season has begun, and David will dive into income tax as well as sales tax, usage tax and more.2025-01-3140 minYour Money with David HaysYour Money with David Hays 01/23/2025David is on the road this week, so Doug Hughes and Jim Inman are in the studio with the first Question-and-Answer Show of 2025. There are a variety of questions planned for this episode on transferring funds from a 529 college plan to another beneficiary, Health Savings Accounts (HSAs), the new Windfall Elimination Provision, 2025 catch-up updates on investment accounts and a few questions on IRAs.2025-01-2442 minYour Money with David HaysYour Money with David Hays 01/23/2025David is on the road this week, so Doug Hughes and Jim Inman are in the studio with the first Question-and-Answer Show of 2025. There are a variety of questions planned for this episode on transferring funds from a 529 college plan to another beneficiary, Health Savings Accounts (HSAs), the new Windfall Elimination Provision, 2025 catch-up updates on investment accounts and a few questions on IRAs.2025-01-2442 minYour Money with David HaysYour Money with David Hays 01/16/2025How else would you spend your birthday but hosting a radio show? It's David's birthday on Thursday and he will kick things off with Rod Holloway and a market update - what's happening in the bond market right now? Also there's been a lot of talk on the Social Security Windfall Elimination Provision and the Government Pension Offset... David will talk about those programs and how they could impact families. David will also discuss new 401k provisions occurring in 2025 and reducing retirement savings regrets. Tune in for the birthday fun!2025-01-1744 minYour Money with David HaysYour Money with David Hays 01/16/2025How else would you spend your birthday but hosting a radio show? It's David's birthday on Thursday and he will kick things off with Rod Holloway and a market update - what's happening in the bond market right now?
Also there's been a lot of talk on the Social Security Windfall Elimination Provision and the Government Pension Offset... David will talk about those programs and how they could impact families.
David will also discuss new 401k provisions occurring in 2025 and reducing retirement savings regrets. Tune in for the birthday fun!2025-01-1744 minYour Money with David HaysYour Money with David Hays 01/09/2025Have you ever thought about the best way to withdraw from your savings? This week David looks at a recent New York Times article that has some things right... and some that he will discuss on the show. Plus... is 100 really the new 70? It's not hard to believe that more people are living longer lives - and many are staying healthy for most of those years. David will talk about optimism in retirement and bring some of the things to the show that you might need to hit the century mark. Plus - Ten T...2025-01-1043 minYour Money with David HaysYour Money with David Hays 01/09/2025Have you ever thought about the best way to withdraw from your savings? This week David looks at a recent New York Times article that has some things right... and some that he will discuss on the show.
Plus... is 100 really the new 70? It's not hard to believe that more people are living longer lives - and many are staying healthy for most of those years. David will talk about optimism in retirement and bring some of the things to the show that you might need to hit the century mark. Plus - Ten Themes for 2025 - some great reading...2025-01-1043 minYour Money with David HaysYour Money with David Hays 01/02/2025For the first show of 2025... David is in the studio along with Rod Holloway and Doug Hughes. The trio will have a recap of 2024, looking at what was expected for the year and what actually occurred - plus a discussion on government spending and what may be coming under the new administration. David and Doug will take a look at some of the things no one tells you about retirement - that it may not be the vacation lifestyle that is often portrayed in commercials and social media. Start yo...2025-01-0343 minYour Money with David HaysYour Money with David Hays 01/02/2025For the first show of 2025... David is in the studio along with Rod Holloway and Doug Hughes. The trio will have a recap of 2024, looking at what was expected for the year and what actually occurred - plus a discussion on government spending and what may be coming under the new administration.
David and Doug will take a look at some of the things no one tells you about retirement - that it may not be the vacation lifestyle that is often portrayed in commercials and social media.
Start your year off with David, Rod and Doug this week!2025-01-0343 minYour Money with David HaysYour Money with David Hays 12/12/2024David is back in the studio this week, welcoming Andy Ives, CFP and IRA Analyst with the Ed Slott Advisor Group. Andy has been quoted in The Wall Street Journal and USA Today, as well as contributed articles for TheStreet.com, and David is excited to bring him to the show. There is much to discuss - understanding how IRA beneficiaries are paid, why a required minimum distribution (RMD) must be satisfied before doing a Roth IRA conversion, the timing of Roth conversions and what Andy and the Ed Slott team anticipate in in 2025. It's a...2024-12-1343 minYour Money with David HaysYour Money with David Hays 12/12/2024David is back in the studio this week, welcoming Andy Ives, CFP and IRA Analyst with the Ed Slott Advisor Group. Andy has been quoted in The Wall Street Journal and USA Today, as well as contributed articles for TheStreet.com, and David is excited to bring him to the show.
There is much to discuss - understanding how IRA beneficiaries are paid, why a required minimum distribution (RMD) must be satisfied before doing a Roth IRA conversion, the timing of Roth conversions and what Andy and the Ed Slott team anticipate in in 2025. It's an hour full of great...2024-12-1343 min
2025 The Final Drive PodcastWhat’s in Store for 2024?A silver tsunami is coming this year, as more than four million Baby Boomers turn 65 in 2024. In the episode, David shares about some of the top IRA rulings for 2023, the importance of emergency savings, federal estate taxes, what listeners can expect this year as part of the SECURE Act… and the possible benefits of moving to Florida. Grab a slice of pie (there’s a reason for that teaser) and enjoy! https://www.cfci.us/2025-the-final-drive2024-01-0920 min2025 The Final Drive PodcastControl Your Tax DestinyWith 2023 ending in just a few weeks, David has a few things to consider regarding taxes. Mutual fund gain distributions, tax penalties, lost harvesting, wash sale rules and phantom gains are all touched on in the podcast. Take the time to listen and take necessary action before the end of 2023! https://www.cfci.us/2025-the-final-drive2023-12-0414 min2025 The Final Drive PodcastConversion ConsiderationWith the end of 2023 just weeks away, many people are looking to pay the taxes on a Roth IRA conversion… but what is the best way to do so? This week David will offer some different ideas, including paying out-of-pocket or taking a 401k loan. Listen in to hear some options on minimizing the pain of paying those taxes now… and remember the pain later could be a lot worse. https://www.cfci.us/2025-the-final-drive2023-11-1413 min2025 The Final Drive PodcastTo Depreciate or Not Depreciate – that is the question!Depreciation may sound like a bad thing to some people, but it can be a benefit when it comes to finances. On this episode, David Hays welcomes Martin James, CPA, back to discuss various aspects of depreciation on property, the differences in active versus passive real estate investing, land leases and the potential tax benefits of loans. https://www.cfci.us/2025-the-final-drive2023-10-0922 min2025 The Final Drive PodcastDebt Elimination Before RetirementDescription – Debt is a part of life for many people, and it’s always important to manage your debt appropriately. On this episode, David and Marty James, CPA, discuss the benefits of having cash available versus using credit, as well as the importance of having a steady income stream in retirement. David and Marty also share about the potential benefits of doing a Roth IRA conversion in preparing for retirement. https://www.cfci.us/2025-the-final-drive 2023-09-2516 min2025 The Final Drive PodcastClean Vehicle CreditsMarty James, CPA, is back on the podcast to share about potential incentives Americans can take when purchasing a “clean vehicle,” aka an electric car or truck. Did you know that if you are making a purchase of a clean vehicle, your MAGI – Modified Adjusted Gross Income – could impact the incentive credit? Marty and David will have the details on the incentives… https://www.cfci.us/2025-the-final-drive2023-09-1114 min2025 The Final Drive PodcastHealth Insurance Before MedicareFor Americans planning to retire before becoming eligible for Medicare, there can be challenges in finding affordable health care. In this episode, David welcomes Martin “Marty” James, CPA, to the podcast to discuss potential ways to minimize the impact of higher-cost insurance. https://www.cfci.us/2025-the-final-drive2023-08-2814 min2025 The Final Drive PodcastIs the IRS spying on your retirement accounts or just licking their lips? I bet you, it could be both!Join David as he discusses how the IRS is affecting your retirement accounts. They are hungry and guess who is going to feed them....your money. David explains why moving your IRA into a Roth account will prevent your children from being taxed considerably when they inherit your IRA; thus preventing the IRA from feeding on your children through taxes. Coming up in our next episodes we will have Martin James back! https://www.cfci.us/2025-the-final-drive2023-08-0114 min2025 The Final Drive PodcastTax Movement in 2023There are 3 years left until the end of the 2017 tax cuts. Let's focus on what we can do this year of 2023. As the advisor, I have an action plan for you regarding your retirement and estate planning opportunities. Timing is everything. How can you take advantage of up to a $5,000 catch up? Inflation adjustments and more explained in this episode. https://www.cfci.us/2025-the-final-drive2023-05-2216 min2025 The Final Drive PodcastTax Free Bonds - Free?David is back in the studio! After taking a step back he is ready to discuss again, the importance of planning for 2025. We begin this episode with Tax Free Bonds. Are tax free bonds really tax free? Who should even consider tax free bonds, and how do coupons work when purchasing a bond? Find answers to these important questions and more in this episode. https://www.cfci.us/2025-the-final-drive2023-04-1716 min2025 The Final Drive PodcastSocial Security - Surviving TaxesWhat’s the answer to the looming Social Security trust fund being exhausted? In Short, more taxes! Join David to discuss how to avoid being part of the solution and what are they likely to do, or could do, to fix Social Security. https://www.cfci.us/2025-the-final-drive2023-02-1317 min2025 The Final Drive PodcastSecure Act 2.0 - Qualified Longevity Annuities This episode David discusses more about the Secure Act 2.0. Specifically, he will be talking about Qualified Longevity Annuities and what changes in the Secure Act make this, rarely used tool, more attractive. What is a Qualified Longevity Annuity (QLAC), and why would now be a good time to consider one? https://www.cfci.us/2025-the-final-drive 2023-01-3011 min2025 The Final Drive PodcastFront Load Your 401K ContributionsIf you are still working and want a clever way to pay the tax on your Roth conversions in a less painful way, join me today in our new episode. With S&P down around 18%, is this the best time for that Roth conversion for 2023 now, or should you wait? All the things you should be doing now, to make your retirement in the future brighter. https://www.cfci.us/2025-the-final-drive2023-01-1613 min2025 The Final Drive Podcast2.0 Secure Act: New Retirement Account RulesCongress just passed the new 2.0 Secure Act! What does this mean for 2025? How will this affect our retirement account rules? Have you considered the change this could bring to your children's 529 Plan? Why are required minimum distributions starting at 75 when we need the money now? Is this increasing again in 2033? The peak of the baby boom occurred around 1962, which brings them to 70-75 in the next couple years. What can you expect? As long as insurance companies, other countries, etc. are willing to buy our debt we can expect these kinds of changes in our future. Join me in this episode to...2023-01-0919 min2025 The Final Drive PodcastLife Insurance - A Better InvestmentIs Life Insurance a better Investment than an IRA? What a great topic starting off the New Year! While life insurance is a protected class in the Internal Code, it is also tax free. How does this happen? The advantages of a life insurance policy include a death benefit for your children - leaving a legacy, cash value grows, borrowing against a life insurance policy, and it grows tax free. When looking at your IRA you are limited on your options, including the conversions you need to make into your Roth.2023-01-0214 min2025 The Final Drive PodcastSelling A Business & Real EstateLet's look at Installment Sales: How do you structure them? What makes sense? What’s good for the buyer might not be good for the seller. This episode discusses 2 things: Selling A Business and Selling Real Estate. We want to minimize that awful tax bite. Did you know what's taxable to the seller may not be favorable for deprecation for the buyer? We've discussed tax deferred exchanges in a previous podcast, but what about a contract sale or an installment sale? Where is the c...2022-12-2616 min2025 The Final Drive PodcastEstate Planning and YouAre you wondering what to do with your Estate Planning before 2025? What are the benefits of an Estate? Life Insurance? IRAs? Business? The simple answer: Everything! In this episode I get into the ins and outs of your Estate Planning and how to navigate the upcoming changes. https://www.cfci.us/2025-the-final-drive 2022-12-1912 min2025 The Final Drive PodcastEnd of Year RMDs, QCDs, & Holiday Gift Giving IdeasAct Now! The ability to take your Required Minimum Distributions (RMDs) and Qualified Charitable Distributions (QCDs) end on Dec 31st! In this episode I lay out 5 easy steps on how to calculate your RMD total and how to navigate your QCDs. Remember QCDs can be made from an inactive SEP, Simple IRA, or Roth account. As the Holidays are upon us, I enjoy discussing Gift Giving Ideas for the whole family. In the episode I will discuss 5 easy ways you can use IRAs to help children. https://www.cfci.us/2025-the-final-drive2022-12-1218 min2025 The Final Drive PodcastNet Unrealized Appreciation (NUA) and YouWhat is a Net Unrealized Appreciation (NUA)? How does this affect your portfolio? Just this week, I had a guy come into the office with an NUA from his previous employer. Listen in to learn what we did with it. We discuss calculating NUA in 5 easy steps and when you should consider even using an NUA. More 5 easy steps to come and I give you a teaser on To Convert or Not Convert, that is the question! https://www.cfci.us/2025-the-final-drive2022-11-2112 min2025 The Final Drive Podcast5 Steps in Determining Your Roth IRA DistributionsAs we stated in last week's episode - taxes are going up. I am already getting mutual Fund estimates and get this - one of them is facing a downward spiral of 29.1%! How can we get ahead of these small caps changing? Don't let a good loss go to waste. It gets better though, if you are over 50 years of age you can begin saving more money! What are the ordering rules and are you withdrawing earnings? Listen in this week to learn more about the 5 easy steps of determining tax on Roth IRA Distributions. https://www.cfci.us/2025-the-final-drive2022-11-1415 min2025 The Final Drive PodcastWash Sell & Phantom Gains Here we are in Quarter 4 of the year and guess what...? Everything is down, Stocks are down Bonds are Down, nearly everything is down. How does this play into the wash sale rule? If you're looking to sell a security at a loss and buy the same, how will this affect your portfolio? Working with bonds can be the same. This something I have never really talked about in my nearly 29 years in practice. You can sell one Bond fund, buy another Fund – that’s fine to do, and the wash sell rules won’t catch up to you. Let's end this year s...2022-11-0714 min2025 The Final Drive PodcastInvestment Properties and the Tax Deferred ExchangeYou own an investment property and want to sell it; but you also don’t want to pay all that tax. In this week’s episode David discusses the benefits of doing a 1031 Tax Deferred Exchange for investment properties. Plus, learn how to have your cake and eat it too, by pulling out some money tax free, before or after a transaction is complete! This is not a recommendation for a 1031 Exchange, the mention of a 1031 Exchange in this Pod Cast is for Educational and Informational Purposes only. https://www.cfci.us/2025...2022-10-3112 min2025 The Final Drive PodcastGifting Investment Property to FamilyYou are ready to gift one of your investment properties to a family member, but unsure how to go about it. Your son has been living in a home of yours, and paying you rent, but you want to gift him the property. What steps do you begin to take? Do we need to sign a new deed? Will this affect mine or his taxes next year? We have seen this scenario more than once in our office, and David sits down to discuss what steps he has taken to...2022-09-1210 min2025 The Final Drive PodcastStudent Debt ForgivenessStudent Debt. This is a hot topic and we just added fuel to the fire. Biden has set out to eliminate $10-20k worth of student debt. While this helps many people now, mathematically this could potentially hurt us long term. With thousands of students going further into debt every year, this responsibility should be on the colleges. We need an educational reform. But when? https://www.cfci.us/2025-the-final-drive2022-08-2912 min2025 The Final Drive PodcastSpecial Edition - Inflation Reduction Act of 2022Special Edition on the “inflation reduction act of 2022” or should we call it the “we hope it doesn’t cause more debt act”? More spending with the hopes of increasing revenue with a minimum corporate tax and increasing IRS audits – we’ll see if it works, but it rarely does. It just reinforces we are addicted to debt that we never intend to pay back, even though we will try. The passage of this new bill simply reinforces that fact that taxes must go up to pay for our past, and now our future promise...2022-08-2216 min2025 The Final Drive PodcastRecap Discussion with Martin James Part 3/3Getting more personal with Martin James in our last installment of part 3 of 3. Join David and Martin in their discussion of QCDs: How can you help your own CPA when filing? Later they get into how to manage a step-up cost basis. How can you manage a step-up cost basis with married couples? This hasn't been on David's radar yet, but thanks to Martin's own research and advice David learns more about how it works. Did you know there are different rules for this basis in other...2022-08-1522 min2025 The Final Drive PodcastRecap Discussion with Martin James Part 2/3Join David and his Guest Martin James as they embark on a 3-part series, this is part 2 or 3. Martin, a recovering CPA, has also projected tax changes coming at the end of 2025 due to our Marginal Tax System. How will this affect our current bracket rates? Have you ever thought to yourself: What is Stealth tax? How does this affect me? What is the history? https://www.cfci.us/2025-the-final-drive2022-08-0815 min2025 The Final Drive PodcastRecap Discussion with Martin James Part 1/3Bloomington roots grow deep when these 2 individuals get to talking. Join David and his Guest Martin James as they embark on a 3-part series, this is part 1 of 3. Martin James is a recovering CPA now turned Fly Fishing Instructor. Martin is a Charter Member in the Ed Slott's Elite Group with David. This episode begins with discussions about previous Final Drive episodes on managing your taxes: Medicare Premiums, Roth Conversions, tax changes coming, and more. https://www.cfci.us/2025-the-final-drive2022-08-0114 min2025 The Final Drive Podcast2025 The Final Drive - E24 - Reduce Your Medicare PremiumsPrescribing a Roth to reduce Pre-Medicare Premiums – or maybe eliminate the cost all together. Listen to David as he discusses a real-life scenario where a client saved money doing this exact thing! https://www.cfci.us/2025-the-final-drive2022-07-2515 min2025 The Final Drive PodcastYou're too old to Convert? Think Again!Am I too OLD to do a ROTH Conversion? Think again. Join David as he describes why you're NEVER too old for conversions. https://www.cfci.us/2025-the-final-drive2022-07-1814 min
2025 The Final Drive PodcastInvest Like a Wealthy Person with Special Guest Rod HollowayHave your money make more money, all tax free! Learn how to invest the way the wealthy invest, and stop investing like you’re still poor! Keep tuning in to learn about how Covered Calls can help with our special guest Rod Holloway. https://www.cfci.us/2025-the-final-drive2022-07-1117 min2025 The Final Drive PodcastAvoid Tax Penalty and Rolling Company Stock in 401KLittle known ways to get money out of your retirement plan, before age 59 ½, without a tax penalty. Do you have company stock in your 401K? Don’t miss out on one of the littlest known opportunities to potentially pay no tax on that Stock. https://www.cfci.us/2025-the-final-drive2022-06-2712 min2025 The Final Drive PodcastUnintended Consequences of Retirement GrowthSo you think you’ll be in a lower tax bracket when you retire? The narrative of getting a deduction when you put money into your retirement account, grow tax deferred, and pay the tax when it comes out, has been flipped! https://www.cfci.us/2025-the-final-drive 2022-06-2011 min2025 The Final Drive PodcastInflation in WashingtonOut of control debt and spending how does inflation help or hurt our debt problem? What’s the appetite of Washington to do anything about it? Not much for now – but nothing happens in America until there is a crisis. More reasons to take a proactive approach to move your retirement out of the cross hairs of higher taxes coming. https://www.cfci.us/2025-the-final-drive2022-06-1318 min2025 The Final Drive PodcastRMDs Paying Off US DeficitsWhy are they proposing our Required Distribution age on our IRA’s and 401K’s be 75 as part of The Secure Act 2? David explains how budgets are made, by occasionally pulling forward expenses and pushing out revenue to cover the cost. How demographics, projected retirement plan balances, line up perfectly to the new RMD age to pay for our projected spending. Once again proving our Retirement accounts are squarely in the crosshairs of higher taxes and what you should do about it. https://www.cfci.us/2025-the-final-drive2022-06-0619 min2025 The Final Drive PodcastMarital Gifting and Capital GainsListen to David explain how to get a full step up of cost basis on a Marital asset and avoid paying capital gains? Learn about the Marital Gifting Strategy that almost no one knows about! Hear how to take advantage of your life time, gift exclusion amount, without the fear of an IRS claw back. https://www.cfci.us/2025-the-final-drive2022-05-2315 min2025 The Final Drive PodcastHolding Investments in Which Types of AccountsWhat types of investments should you hold in which type of accounts? Taxable, Tax Free & Tax Deferred Why Auto Enrollment is good for America, but what are they missing big time? https://www.cfci.us/2025-the-final-drive2022-05-1622 min2025 The Final Drive PodcastBonds: What is Tax-Free?Are tax free bonds truly tax free? Not always. Who should consider tax free bonds and who shouldn’t? What are the alternatives? When you're looking at regular Bonds vs I-Bonds there is a difference. Join me in this episode as we learn how to calculate your tax equivalent yield. https://www.cfci.us/2025-the-final-drive2022-05-0916 min2025 The Final Drive PodcastYour Roth IRA Money When should you use your ROTH IRA money? While your living or when you’re dead? Maybe the answer is – whenever you want! https://www.cfci.us/2025-the-final-drive2022-05-0217 min2025 The Final Drive PodcastRequired Minimum DistributionsDid you know that the IRS will tell you exactly when you have to take money out of your retirement accounts, how much and how much is theirs? Take control, the time to act is now to keep the IRS from telling you what to do! Are you single? Taking care of an aging Parent? Find out if you qualify to change your tax filing status from Single to Head of Household, and enjoy the most favorable tax treatment for yourself of all. https://www.cfci.us/2025-the-final-drive2022-04-2513 min2025 The Final Drive PodcastCapital Gains - Short term vs. Long TermCapital Gain Taxes are different! Short term vs. Long Term How to maintain the stepped up cost basis if you want to transfer title to your kids before your passing. https://www.cfci.us/2025-the-final-drive2022-04-1816 min2025 The Final Drive PodcastLife Insurance & Tax CodesWhat is the most sacred Tax Code the IRS has? You might be surprised! How can you take advantage of this misunderstood tax free product and maximize your tax free life? https://www.cfci.us/2025-the-final-drive2022-04-1121 min2025 The Final Drive PodcastManaging Your NUAsIf you own your company stock in your 401K plan, how you handle that stock could save you a ton in income taxes. Learn about this little known opportunity to save thousands https://www.cfci.us/2025-the-final-drive2022-04-0411 min2025 The Final Drive PodcastMaximizing Your IRAs and RothsMaxing out your plans for tax free money in retirement? Lots of ideas on how to avoid this in the episode! Check out a few David covers: • Having your Roth 401k’s and IRA’s work together to max out your tax free savings • Catching up now that you have the money (in our 50’s) • Non-Profit Employees have an even greater opportunity to save more money tax free. https://www.cfci.us/2025-the-final-drive2022-03-2812 min2025 The Final Drive Podcast2025 The Final Drive - E9 - Roth Conversions – Tax DifficultiesWhat do you do if you want to a Roth conversion, but don’t have the money to pay the tax? David will discuss a great method to get the job done! https://www.cfci.us/2025-the-final-drive2022-03-1412 min2025 The Final Drive Podcast2025 The Final Drive - E8 - Health Savings AccountWhere can you get a tax deduction, let it grow tax deferred and take it all out tax free? It’s the triple threat of retirement – the Health Savings Account https://www.cfci.us/2025-the-final-drive2022-03-0711 min2025 The Final Drive Podcast2025 The Final Drive - E7 - Social Security Part 2David discusses more on delaying Social Security and how to fill the income gap between early retirement and maximum Social Security. Thus creating one of the most tax efficient, inflation adjusted income streams in retirement! https://www.cfci.us/2025-the-final-drive2022-02-2811 min2025 The Final Drive Podcast2025 The Final Drive - E6 - Social SecurityThis episode David discusses Social Security. Social Security is one of the most important income streams in retirement, for now, is also very tax favored. Learn how to get the most from it and not screw things up! https://www.cfci.us/2025-the-final-drive2022-02-2116 min2025 The Final Drive Podcast2025 The Final Drive - E5 - Married Filing Jointly and Your TaxesThis episode David discusses Married Filing Jointly and how you can set yourself up for success for the day one of you will be filing a single tax return. It’s unfortunate, and we hope the day never happens, but it will: either through a passing of a loved one or divorce. So, how can you set yourselves up now for that day of single filing? It’s simple: give this episode a listen where David breaks down the steps of what needs to happen now, so you can be prepared for later.2022-02-1415 min2025 The Final Drive Podcast2025 The Final Drive - E4 - The Blitz Is OnDuring this episode David begins discussing Longevity Risk. This will be a reoccurring topic that addresses long term care, not running out of money, and leaving a legacy you can be proud of; to name a few. If you are 5 years away from retirement, now is the time to get serious about putting money into a Roth; but if you are 1 year away you should wait. Why? Listen in and David will explain. https://www.cfci.us/2025-the-final-drive2022-02-0715 min
Absorb The Full Audiobook That Keeps Story Seekers Hooked.2025 the Final Drive by David HaysPlease visithttps://thebookvoice.com/podcasts/2/audible/43646to listen full audiobooks.
Title: 2025 the Final Drive
Author: David Hays
Narrator: David Hays
Format: mp3
Length: 1 hr and 11 mins
Release date: 02-01-22
Ratings: Not rated yet
Genres: Taxation
Publisher's Summary:
As you listen to this audiobook, you will see how we have a real opportunity in front of us. In 2025, the current tax cuts that were passed in 2017 expire; and we, at a minimum, return to the rates before - or rates go much higher....In this audiobook, I will discuss the 'Big Three' retirement risks, and how to deal with them...2022-02-011h 11