Shows
The 9Innings Podcastđ Econ 101: âWhy Using Your 401(k) for a Down Payment Could Cost You Your FutureâCan you really use your 401(k) to buy a house â and would that actually make housing more affordable?Thereâs growing discussion around a proposal tied to Donald Trump that would allow Americans to tap their 401(k) retirement savings for a home purchase, potentially without early withdrawal penalties. On the surface, it sounds helpful. But Econ 101 tells us the second-order effects matter.In this show Kevin Thompson, CFPÂź, EA, RICPÂź, founder of 9i Capital Group explains how this would actually work from a tax perspective, how it compares to first-time homebuyer IRA rules, and why increa...
2026-01-2709 min
The 9Innings Podcast đŻ Questions to Ask Your Financial Advisor and Red Flags to Watch ForIn this episode of the 9innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, breaks down how to properly interview a financial advisor before entering a long-term relationship.Kevin highlights the most common mistake he sees, clients not knowing what questions to ask, and walks through a practical framework covering tax advice, compensation, onboarding, specialties, and overall client fit.The conversation focuses on transparency, alignment, and how to recognize red flags early, so investors can avoid costly mistakes and make confident, informed decisions.The goal is simple: empower listeners to choose...
2026-01-2013 min
The 9Innings PodcastEp 160: đ âThe Fee Debate: Transparency, Incentives, and Who Really DecidesâIn this episode of "The 9innings Podcast," host Kevin Thompson and guest Sarah Grillo discuss the ongoing debate over fee structures in financial advising, focusing on flat fee versus assets under management (AUM) models. They explore the importance of transparency, fairness, and client communication, highlighting how different models impact advisor incentives and client relationships. Sarah shares insights from her Transparency Movement, while both agree that building trust and adapting to client needs are key. The episode emphasizes that multiple fee models can coexist, and success depends on clear communication, transparency, and a client-centered approach.Fee Model Polarization...
2026-01-0639 min
The 9Innings Podcastđ â2026 Retirement Planning: Tax and Medicare Changes You Canât IgnoreâIn this episode of the 9Innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, breaks down the most important financial planning considerations retirees need to understand heading into 2026. Kevin explains key tax changes, including the Enhanced Senior Deduction and the new above-the-line auto loan interest deduction, and outlines strategies for maximizing the standard deduction. He also discusses rising Medicare premiums, IRMAA exposure, and how to evaluate Medicare Advantage versus Original Medicare with Medigap. Throughout the episode, Kevin emphasizes proactive planning to manage taxes and healthcare costs, helping retirees make informed decisions and protect long-term retirement income.
2025-12-1615 min
The 9Innings Podcastđ„ Breaking Barriers: A Financial Advisorâs Journey of Perseverance đȘIn this episode of the 9innings Podcast, host Kevin Thompson sits down with Chelsea Ransom-Cooper â CFP Board member and wealth advisor â to discuss her path in the financial advisory world. Chelsea opens up about her partnership with Jason Ray, the challenges of launching her own firm, and the significance of representation and the CFPÂź designation. The two dive into the realities of entrepreneurship, client relationship building, and the changing landscape of financial planning â offering insight and inspiration for both aspiring and seasoned advisors.Chelsea & Jason Ray: How They Met (00:01:51)Building the Partnership & Early Career...
2025-12-0928 min
The 9Innings PodcastFA Unfiltered: Ep 1: đ Insurance Incentives: The Industry Truth w Rick Luchini Welcome to FA Unfiltered, the show where we strip away the jargon, the sales scripts, and the corporate polish to reveal how financial advice really works. In our debut episode, I sit down with Rick Luchini of Luchini Financial to pull back the curtain on the insurance industry â from the recruiting pitch to the incentives that drive sales and the challenges of putting clients first. Whether youâre an investor trying to understand what motivates your advisor or a financial professional questioning the system, this conversation exposes how incentives shape behavior, trust, and transparency in our...
2025-12-0225 min
The 9Innings Podcastđ° Avoid the IRMAA Trap: Smart Tax Moves for a Stress-Free Retirement w/ Paul MorrisonIn this episode, we interview Paul Morrison, an IRMAA-certified planner from Lincoln, Nebraska. They discuss the impact of IRMAA (Income Related Monthly Adjustment Amount) on retireesâ Medicare premiums and Social Security benefits, highlighting how rising taxable income can trigger higher costs. Paul explains the complexities of IRMAA, the importance of proactive tax planning, and strategies like Roth conversions to minimize surcharges. The conversation also covers Medicare Advantage, the âwidowâs penalty,â and the need for better financial education. The episode blends personal stories with practical advice for navigating retirementâs hidden tax challenges.(03:25) â From College Athletes to Retirees...
2025-11-2544 min
The 9Innings Podcastđ„ Don't Let Your 401(k) Turn into a Tax Time Bomb!In this episode of the 9Innings Podcast, I break down the hidden tax traps inside your 401(k). Most people think pre-tax contributions are an automatic winâbut the tax bill eventually comes due. We walk through how RMDs, rollover mistakes, and poor documentation can trigger unexpected taxes, higher Medicare premiums, and even push more of your Social Security into the taxable column.I also share real-life examples of how a simple errorâlike a tax professional misreporting Form 8606 basisâcan cost retirees thousands. This episode is all about avoiding land mines: understanding IRS rules, tracking your paperwork, and be...
2025-11-1817 min
The 9Innings Podcastđ Running Your Own Race: Global Perspectives in Financial Planning w/ Mark Hedderman đźđȘIn this episode, I sit down with Mark Hedderman of Hedderman Financial Solutions in Ireland. We talk about how we met at the Future Proof Festival and what stood out about the culture thereâreal collaboration, transparency, and advisors actually helping each other grow.Mark shares the evolution of financial planning in Ireland and how the profession has shifted from product sales to real, client-centered advice. We discuss the importance of ongoing education, mentorship, and developing as both a professional and a person.We also get into what it means to be an advisor todayâshow...
2025-11-1151 min
The 9Innings Podcastđ„âFrom Paychecks to Purpose: Redefining Retirement for a Meaningful LifeIn this episode, host Kevin Thompson and Certified Financial Planner Practitioner Joy Slabaugh dive into a holistic approach to retirement planningâone that goes far beyond the numbers.They explore the emotional, psychological, and social challenges many retirees face, including the loss of identity, isolation, and shifting purpose. Joy shares how nurturing relationships, staying engaged in the community, and creating purposeful routines can help individuals thrive in retirement.Together, Kevin and Joy challenge the traditional definition of âretirement readiness,â reminding listeners that true fulfillment in retirement isnât just about financial securityâitâs about connection...
2025-11-0426 min
The Retirement Learning Lab7 Hidden Medicare 2026 Changes That Could Cost You Thousands (December 7th Deadline)Send us a textEveryone's talking about Medicare premium increases for 2026. But there are 7 OTHER changes buried in the fine print that could cost you just as much - and almost nobody knows about them. đš URGENT: Open Enrollment ends December 7th - you have just weeks to make changes! THE 7 HIDDEN CHANGES: 1. Specialist Referral Maze - New approval requirements add 3 weeks before you can even schedule appointments 2. Therapy Cap Reductions - Physical therapy jumping from $20 to $75 per visit after first 12 sessions ($2,100 more if you need 40 sessions) 3. ER Billing...
2025-11-0132 min
The 9Innings Podcastđ„âYour Emergency Fund Can Save Your Life â and Your Marriage đđ°âIn this episode of "9innings Podcast," host Kevin Thompson, founder and CEO of 9i Capital Group, discusses the critical importance of emergency funds in todayâs uncertain economy. He explains what an emergency fund is, why it matters, and recommends saving 9 to 12 months of expenses in liquid, low-risk accountsâchallenging the traditional 3 to 6 monthsâ advice. Kevin emphasizes that a robust emergency fund provides financial stability, peace of mind, and flexibility during job loss or unexpected expenses, empowering listeners to make better decisions without fear or desperation.Why Emergency Funds Matter in Todayâs Economy (00:00:59)The Em...
2025-10-2814 min
The 9Innings PodcastEp 152: đ„ Small But Mighty: Building a Lean, Independent RIAIn this episode of the 9Innings Podcast, Kevin Thompson sits down with Andy Panko of Tenon Financial to reflect on their experiences at the Future Proof Festival â an innovative outdoor conference designed for the next generation of financial advisors.They dive into:The eventâs unique format and open-air networking vibeThe collaborative, rising-tide culture of the RIA communityThe power of specializing in client niches and knowing your laneReal-world strategies for adopting technology without getting overwhelmedThe impact of mentorship, mastermind groups, and shared knowledgeWhy authenticity, intentional growth, and intentionality matter more than âhustle cultureâConference Participation & Value (0...
2025-10-2132 min
The 9Innings PodcastEp 151: đ„ Are You Making These Costly 401(k) Mistakes?In this episode of the 9innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, discusses six common mistakes people make with their 401(k) retirement plans. He covers misunderstandings about plan rules, improper rollover techniques, unnecessary fees, risk tolerance, financial advisor affiliations, and advisor compensation. Kevin offers practical tips to help listeners avoid costly errors and maximize their retirement savings.Mistake 1: Not Knowing 401(k) Rules (00:00:53)Mistake 2: Improper Rollover Techniques (00:04:18)Mistake 3: Paying More for Less Value (00:06:26)Mistake 4: Misunderstanding Risk Tolerance (00:07:27)Mistake 5: Influence of Financial Advisor Affiliations (00:10:33)
2025-10-1416 min
The Retirement Learning Lab"I Just Want to Retire and Do NOTHING" - What God Says to the Exhausted WorkerSend us a text"I just want to retire and do nothing."If you've ever had that thoughtâif it's the voice in your head as you drag yourself through another exhausting workdayâthis episode is for you.Maybe you're 58, 62, or 65. You've spent decades in demanding workâmanufacturing, nursing, teaching, construction, management. Jobs that took everything from you. You wake up tired. You go to bed tired. Weekends aren't enough to recover.And when people talk about "purposeful retirement" or "finding your next calling," something inside you screams: "I JUST W...
2025-10-1026 min
The 9Innings PodcastEp 150:đ„ âThe AI Revolution Is Just Getting Started â Ivana Delevska on Whatâs Coming NextâIn this episode of the 9Innings Podcast, I sit down with Ivana Delevska, founder and CIO of Spear Invest, to talk about the current state â and the future â of artificial intelligence.We dig into:The market fundamentals driving AIâs rapid riseThe U.S.âChina tech rivalry and what it means for investorsEnergy and infrastructure challenges that could shape the next decadeThe growing role of government in AI development and oversightIvana shares why adaptability and continuous learning will be critical for young professionals and how AI will transform productivity across industries. She also highlights where th...
2025-10-0729 min
The 9Innings Podcastđ„â Fedâs 25 Basis Point Cut: What It Really Means for YouâIn this episode of the "9innigns Podcast," Kevin Thompson, founder and CEO of 9i Capital Group, analyzes the Federal Reserveâs recent 25 basis point rate cut. He explains that while the cut aims to stimulate economic growth, its impact on consumers is minimal due to high borrowing costs and tight lending standards. Thompson highlights that the primary beneficiary is the U.S. government, which can refinance its debt more cheaply. He also clarifies that mortgage rates are unlikely to fall significantly, as they are driven by broader market forces rather than the Fedâs short-term rate adjustments.
2025-09-3012 min
The 9Innings PodcastEp 148: Debunking Tax Myths That Could Cost You ThousandsIn this episode, Kevin Thompson, founder and CEO of 9i Capital Group, tackles five widespread tax myths popularized by social media influencers. He clarifies misconceptions about LLC tax benefits, the tax obligations of the wealthy, hiring children for tax savings, filing requirements for low-income earners, and reporting small amounts of income. Kevin emphasizes the importance of legitimate business practices, accurate income reporting, and always filing tax returns to maximize refunds and avoid IRS issues. He encourages listeners to seek reliable advice, subscribe to the podcast, and explore his book for further financial education.Myth 1: Starting...
2025-09-2314 min
The 9Innings PodcastEp 147: âThe Great Disconnect: Wall Street Wins While Main Street WorriesâOn this episode of the 9Innings Podcast: Why does the stock market keep climbing while Main Street struggles with rising unemployment, sticky inflation, and frozen housing? In this episode, Kevin Thompson breaks down the disconnect between Wall Street and Main Street â and why investors and economists can look at the same economy but see two very different realities.â
Topics we cover:The Federal Reserveâs dilemma: cutting rates vs. fighting inflationThe TINA Effect (There Is No Alternative) and why it keeps money flowing into stocksThe housing market freeze and why sub-4% mortgages lock people in placeWhy you sh...
2025-09-1615 min
The Retirement Learning LabSmall Business Owners: Navigating Social Security and Succession PlanningSend us a textIf you're a small business owner, your retirement planning is nothing like your employees'. Your business isn't just your job - it's your biggest asset and your retirement plan all rolled into one. This creates a perfect storm of challenges that most owners never see coming.In this episode, Van Richards breaks down the critical intersection between Social Security strategy and business succession planning. You'll discover why these two elements must be coordinated from the start, and how failing to plan them together can cost you thousands in retirement benefits.
2025-09-1323 min
The 9Innings Podcastđ° âThe 5 Money Questions Everyoneâs Asking in 2025âIn this episode of the 9Innings Podcast, host Kevin Thompson tackles the top five financial questions people are asking right now. From staying on track for retirement, to balancing debt and investing, making smart tax moves, rethinking life insurance, and deciding whether to hold cash or invest â Kevin delivers practical, insider perspective shaped by years of planning experience.Youâll get clear, actionable advice to cut through todayâs uncertainty and build long-term security. The focus: personalized planning, disciplined investing, and knowing when to lean on professional guidance.Am I Still on Track for Re...
2025-09-0919 min
The 9Innings PodcastEp 145: The Powerful Tax Break Seniors Canât Afford to MissIn this episode of the 9Innings Podcast, Kevin Thompson, Founder & CEO of 9i Capital Group, breaks down the enhanced senior deduction introduced by the Inflation Reduction Act and what it means for retirement planning.Kevin explains how this increased deduction for those 65 and older can meaningfully reduce taxable income and make Roth IRA conversions far more tax-efficient. Using real-world examples, he shows how retirees can capture significant tax savingsâbut only if they plan ahead.This episode emphasizes the importance of timely strategy and working with a trusted financial advisor to take advantage of opportunities wh...
2025-09-0212 min
The 9Innings PodcastEp 144: đ„ Delivering Massive Value: Building Trust & Authentic Client EngagementIn this episode of the 9Innings Podcast, host Kevin Thompson sits down with Matt Jarvis to discuss what it really means to deliver massive value to clients.Matt shares his journey of building a thriving practice and breaks down the strategies that helped him stand out, including the creation of âvalue ads,â intentional client engagement, and the power of transparent communication.Together, Kevin and Matt explore:How to overcome âfake busynessâ and focus on what mattersThe role of authenticity in building trust and content creationWhy niche audiences drive deeper impact and growthThe persistence and intentio...
2025-08-2629 min
The 9Innings PodcastEp 143: The Dark Side of Finance: Spotting and Stopping Todayâs Biggest ScamsIn this episode of The 9innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, exposes the top five financial scams currently circulating. He explains how each scam worksâincluding romance crypto fraud, fake investment opportunities, AI voice cloning, IRS tax settlement scams, and remote job check fraudâhighlighting red flags and offering practical tips to avoid becoming a victim. Kevin emphasizes the importance of vigilance, independent verification, and reporting scams to authorities, empowering listeners to protect themselves from financial harm in todayâs increasingly sophisticated scam landscape.Pig Butchering Scam â Romance & Crypto Schemes (00:00:47)Invest...
2025-08-1914 min
The 9Innings Podcastâ ïžđ Alternative Investments in 401(k)s: Smart Move or Big Mistake?In this episode of the 9Innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, breaks down a brand-new executive order that could change the way Americans invest for retirement.Weâre talking private equity, private credit, and even cryptocurrency inside your 401(k). Kevin explains what these asset classes are, why big asset managers are eager to get them in your plan, and the potential benefits they claim to offer.But he also pulls no punches on the risksâhigh fees, limited liquidity, and market volatilityâand why, for most investors, the tried-and-true low-co...
2025-08-1214 min
The Retirement Learning LabNVIDIA Analysis: $4 Trillion Market Cap & China ReversalSend us a textWhat company made more profits in one quarter than McDonald's, Nike, and Netflix combined in an entire year? NVIDIA. And that's just the beginning of this incredible story.In this comprehensive episode, I break down NVIDIA's historic $4 trillion market cap milestone and the shocking China policy reversal that added $30 billion to their revenue projections overnight.What You'll Learn:How NVIDIA's Q1 2024 profits ($143.88 billion) dwarf major corporationsThe China H20 chip ban reversal and its massive implicationsMy SEC framework analysis: Stability, Earnings, CompetitivenessWhy NVIDIA's CUDA platform creates "digital...
2025-08-1123 min
The 9Innings PodcastEp 141: âFrom Zero to $600 Million: The Real Journey to RIA IndependenceâIn this episode of the 9Innings Podcast, host interviews Helen Stephens, founder of Aspen Wealth Management. Helen shares her journey of launching her RIA firm in 2011 with zero assets, overcoming regulatory and industry challenges, and building a diverse, client-focused practice. She discusses the importance of ethical business, defining an ideal client, and work-life integration. The conversation covers industry gender barriers, the distinction between advisor and business owner roles, scaling a firm, and succession planning. Helenâs insights highlight Aspenâs growth to over $500 million in assets and her commitment to a supportive, values-driven culture.
2025-08-0535 min
The 9Innings Podcast𧚠Murder the Truth: Is the Free Press Under Siege? ft David EnrichIn this episode, investigative journalist and bestselling author David Enrich joins the host to discuss the mounting legal threats facing journalists and the erosion of press freedom in the U.S. Drawing from his book Murder the Truth, Enrich explores how wealthy individuals weaponize lawsuits to silence critical reporting, referencing cases like the Peter Thiel-funded Gawker lawsuit. The conversation highlights the crucial role of the First Amendment, the vulnerability of independent journalists, and the importance of supporting local media to safeguard democracy. Enrich urges listeners to back independent journalism and stay vigilant about threats to free speech.
2025-07-2927 min
The 9Innings PodcastThe Greatest Challenges Facing Retirees: Tax Rules That Need Reform ft Steven Jarvis CPAIn this episode, host Kevin Thompson and guest Steven Jarvis, CPA, discuss the complexities and frustrations of current retirement tax rules, focusing on the Roth IRA five-year rule, Social Security taxation, and the âwidowâs penalty.â They highlight how outdated IRS technology and convoluted regulations create unnecessary stress for retirees. The conversation blends personal stories, professional insights, and broader reflections on workforce development and education, ultimately calling for tax reform and modernization to make retirement planning simpler, fairer, and more effective for individuals navigating todayâs financial landscape.Stephen Jarvisâ Athletic Background (00:00:51) The Roth IRA F...
2025-07-2241 min
The 9Innings PodcastEp 138: Can The U.S. Ever Go broke? A Deep Dive into MMT ft Dr John T Harvey On The Podcast: In this episode, we sit down with Dr. John T. Harvey to unpack Modern Monetary Theory (MMT) and the sustainability of the U.S. governmentâs $37 trillion debt. Dr. Harvey makes the bold claim that the U.S. cannot be forced to defaultâbecause it issues and controls its own currency.The conversation goes beyond the headlines, exploring:The real implications of government spendingHow politics shapes economic narrativesThe role of wealth concentration in policy debatesWhy deficits may not be as dangerous as they soundThis episode challenges conventional wisdom about national debt, argu...
2025-07-1551 min
The 9Innings PodcastEp 137: 5 Key Takeaways From The "Big Beautiful bill"In this episode, host Kevin Thompson, founder and CEO of 9i Capital Group, breaks down the newly signed "Big Beautiful Bill" (BBB). He highlights five major changes: a $6,000 senior deduction, restored bonus depreciation for capital investments, a higher $40,000 SALT cap, expanded QBI deduction eligibility for high earners, and a new tax exemption for overtime and tip income. Kevin explains how these provisions impact seniors, business owners, and high-income earners, while urging listeners to seek professional advice to navigate the billâs complexities and understand its long-term effects.Bonus Depreciation Returns (00:03:59)SALT Cap Raised to...
2025-07-0817 min
The Retirement Learning LabDefining Your Retirement Vision, Part 1: Stop Planning Without Knowing What You're Planning FOR!Send us a text"Van, I've been planning for retirement for 25 years, but I have no idea what I'm actually planning FOR!"This client's confession sparked today's episode of The Retirement Learning Lab. Host Van Richards, ChFCÂź, RICPÂź, reveals why most people approach retirement planning completely backwards - and how to fix it.In this eye-opening episode, you'll discover:Why most people spend more time planning their annual vacation than their next 30 years of lifeThe shocking difference between retirement "wishes" and a real retirement "vision"The 2 critical components every retirement vision must in...
2025-07-0219 min
The 9Innings Podcastđ” Dollar Dynasty: The Untold Story of America's Financial PowerIn this episode, I dive deep into the rise and enduring dominance of the U.S. dollar in the global economy.I walk you through its journeyâfrom Bretton Woods to the creation of the petrodollar systemâand explain how the dollar became the backbone of international trade and a powerful tool for economic sanctions.But things are shifting. Countries around the world are actively looking for alternatives to the dollar, and I explore what that means for the future of our financial influence.Whether youâre new to global economics or just want a...
2025-07-0112 min
The 9Innings PodcastEp 135: âNo More Boss, No More B.S.: The Advisor's Guide to Going SoloâIn this episode, Kevin Thompson of 9i Capital Group sits down with Cameo Roberson of Atlas Park Consulting to talk about what it really takes to break away and build your own firm.From navigating the leap from employee to business owner, to building operational systems that actually work, this episode is packed with real-world advice. Cameo shares insights from her book Beyond the Broker, highlighting the power of mentorship, having a clear vision, and staying resilient through the process.They cover:How to choose the right business model for your practiceWhy most advisors...
2025-06-2439 min
The 9Innings PodcastEp 134: âïž Where Thereâs a WILL, Thereâs a Way đIn this episode of the 9 Innings Podcast, we discuss the essentials of estate planning. We explains the importance of having a will, the consequences of dying without one, and the key legal documents everyone should have, such as powers of attorney. We addresses common misconceptions, emphasizes that estate planning is vital for allânot just the wealthyâand urges listeners to regularly update their documents. We encourage proactive steps to protect loved ones and announces that the next episode will cover trusts as part of comprehensive estate planning.The Importance of Having a Will (00:01:04) Wh...
2025-06-1712 minThe Retirement Learning LabSocial Security Tax Trap: How 85% of Your Benefits Could Be Taxable (And How to Save $4,000+)Send us a textAre you walking into a Social Security tax trap without even knowing it? In this eye-opening episode of The Retirement Learning Lab, I reveal why over 50% of Social Security recipients now pay taxes on their benefits - and more importantly, how you can avoid becoming one of them.What You'll Discover:The shocking history: Why Social Security taxation has exploded from 10% to 50%+ of recipientsThe "combined income" formula that catches most retirees off-guardReal case study: How I saved Margaret $3,400 per year in unexpected taxesBreaking news: A proposed $4,000 tax deduction...
2025-06-1316 min
The 9Innings PodcastAre the U.S. and China in a Losing Trade Battle?In this podcast episode, host Kevin Thompson, CEO of 9i Capital Group, engages with Dr. Jason Hsu, CEO of Rayliant Global Advisors, to discuss the intricate economic relationship between the U.S. and China. They explore topics such as tariffs, trade dynamics, and the role of international students. Dr. Hsu highlights the mutual benefits of U.S.-China trade, the importance of intellectual property transfer, and the contributions of international students to the U.S. economy. They also delve into concerns about U.S. debt, the impact of digital currencies, and the debate between active and passive investment strategies...
2025-06-1034 min
The 9Innings PodcastEpi 132: đ„ Common TSP Mistakes That Could Cost You $Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode of the 9 Innings Podcast we delve into the Thrift Savings Plan (TSP) and common mistakes federal employees make in their retirement planning. We emphasize the importance of understanding TSP options, including the G Fund and the Roth versus traditional TSP debate. He warns against the "set it and forget it" approach and highlights the impact of recent federal benefit cuts. We encourage listeners to actively manage their TSP accounts and make strategic investment decisions to secure their financial futures amidst changing...
2025-06-0316 min
The 9Innings Podcast(Ep 131): Social Security Survival Guide: Making the Most of Your BenefitsIn this episode of the 9innings Podcast, Kevin Thompson discusses Social Security and retirement planning. He addresses common questions about when to take Social Security benefits, the impact of potential funding issues, and strategies to maximize benefits. Kevin emphasizes the importance of understanding personal circumstances and consulting professionals for informed decisions. He discusses the benefits of delaying Social Security, break-even points, and scenarios where taking benefits early might be advantageous. The episode aims to educate and empower listeners on making sound financial decisions for their retirement..Concerns About Social Security Cuts (00:02:09) Potential Solutions for Funding...
2025-05-2714 min
The 9Innings Podcast(Ep.130): Top 3 Financial Designations: CFPÂź, CFA, CPA â Whatâs the Difference? #fiduciaryWelcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode of the 9Innings Podcast we explore the "alphabet soup" of financial industry designations: CFP, CPA, and CFA. Kevin explains that CFPs are the gold standard in financial planning, emphasizing their fiduciary duty to act in clients' best interests. CPAs are highlighted for their expertise in tax preparation and financial reporting, with an additional credential for financial planning. CFAs are recognized for their investment analysis mastery, requiring extensive study and experience. Understanding these designations helps consumers make informed decisions about...
2025-05-2015 min
The 9Innings PodcastEpisode 129: đš Feds Under Fire: What Government Employees Must Know đšIn this podcast episode, Kevin Thompson, founder and CEO of 9i Capital Group, discusses three significant proposals impacting government employees. He explains the potential elimination of the FERS pension supplement, which could financially strain early retirees. Kevin also addresses the proposed shift from a high-3 to a high-5 pension calculation, potentially reducing pension benefits and complicating financial planning. Lastly, he explores the reinstatement of Schedule F, which could reclassify certain federal employees as at-will, removing civil service protections and increasing job insecurity. Kevin emphasizes the importance of staying informed and engaged with these critical issues....
2025-05-1318 min
The 9Innings PodcastEp 128: From MLM to IUL: The Unfiltered Reality of Financial Product Promotion In this episode of the "9 Innings Podcast," host Kevin Thompson, founder and CEO of 9i Capital Group, and guest Andy Panko from Tenon Financial discuss the impact of market volatility on the promotion of Indexed Universal Life (IUL) insurance products. Kevin emphasizes the importance of financial education and empowerment, while Andy critiques the aggressive sales tactics used by some IUL promoters, particularly those from multi-level marketing backgrounds. They highlight the misconceptions surrounding IULs and stress the need for consumers to be well-informed and cautious when evaluating financial products.Promoting IUL Products (00:02:09)Critique of...
2025-05-0636 min
The 9Innings PodcastEp 127: đ„ "The Hidden MVPs of Tax Planning: Above-the-Line Deductions!" đïžđ°In this episode of the 9innings Podcast, Kevin Thompson delves into the topic of "above the line deductions" to help listeners lower their adjusted gross income (AGI). Using relatable analogies like baseball, Kevin breaks down complex tax concepts into understandable and actionable steps. He covers common deductions such as educator expenses, retirement contributions, student loan interest, and Health Savings Account (HSA) contributions. Kevin also highlights additional deductions for self-employed individuals. Throughout the episode, he emphasizes the importance of understanding these deductions to maximize tax savings and keep more money in one's pocket.Understanding Above the...
2025-04-2911 min
The 9Innings PodcastEp 126: âDid Trump Break The Economy... Or Was It Already Cracked?â w/ Andrea Kennedy CFPÂźIn this episode of the 9innings Podcast, hosted by Kevin Thompson, the discussion focuses on pressing economic issues with guest Andrea Kennedy from Wiser Wealth. Key topics include significant market declines, the end of economic cycles, and their relationship to inflation and monetary policy. The conversation delves into the inflationary impact of tariffs, the implications of proposed tax cuts, and the urgency of reshoring manufacturing. Andrea shares insights on strategic investment shifts towards commodities and the global trade dynamics concerning the U.S. dollar. The episode underscores the need for clarity in policy-making to foster investor confidence and economic...
2025-04-2235 min
The 9Innings PodcastEp 125: Tax Season Survival: Mastering the Art of Strategic PlanningIn this podcast episode, We converse with Catherine Tindall, a CPA and partner at Dominion Enterprise Services, about the critical importance of proactive tax planning. They discuss common mistakes business owners make during tax season, such as waiting until the last minute and not engaging in ongoing tax planning. Catherine highlights audit triggers and the significance of profit management. They also explore how financial advisors can build better relationships with CPAs to enhance client outcomes. The episode aims to educate and empower listeners to optimize their tax strategies effectively. Common Tax Mistakes (00:02:11) .Profit...
2025-04-1526 min
The 9Innings PodcastEpisode 124: Money & Emotions! How Emotions Shape Our Financial Decisions?Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode of the 9innings Podcast, Kevin Thompson, founder of 9i Capital Group, and Joy Slabaugh MTax, MA, LACMH CFPÂź, explore the emotional and psychological dimensions of financial decision-making. Kevin shares a personal story about a clientâs emotional distress due to financial losses, emphasizing the importance of understanding clients' emotional experiences with money. Joy discusses her focus on the behavioral aspects of finance, highlighting how attitudes and beliefs about money impact happiness and financial decisions. The episode underscores the need for...
2025-04-0823 min
The 9Innings PodcastEp 123: đ Can Elon Truly Balance the National Budget? Let's Dive Into The Numbers!In this episode of the 9Innings Podcast, I, Kevin Thompson, founder and CEO of 9i Capital Group, explore the possibility of balancing the U.S. federal budget. I break down the national deficit, government spending, and tax revenue, proposing potential solutions like budget cuts and tax reforms. I use hypothetical scenarios, including significant spending cuts and implementing tariffs, to illustrate paths to a balanced budget. I emphasize the complexities of economics versus simple math, highlighting the potential impacts on the economy. The episode aims to educate and engage listeners on this critical financial issue, encouraging informed discussions about the...
2025-04-0113 min
The 9Innings PodcastEp 122: Tax Cuts! A Good Deal or A Bitter Pill? In this episode of the 9innings Podcast, The Cost of Tax Cuts - Who Really Pays the Bill?", host Kevin Thompson, critically analyzes three bipartisan tax proposals: no tax on tips for service workers, no federal tax on the first $150,000 of income, and eliminating social security taxation. Kevin argues that while these proposals may seem beneficial, they could lead to negative outcomes such as increased deficits and reduced employer incentives to raise wages. He emphasizes the importance of understanding the long-term consequences and who ultimately bears the cost of these tax cuts.No Tax on Tips (00:02:06)
2025-03-2512 min
The 9Innings PodcastEp 121: The Hidden Dangers of Unqualified Financial Experts: How to Protect YourselfWelcome to the 9Innings Podcast where we Educate, Empower and Engage.ON THIS WEEKS PODCAST: In this podcast episode, Kevin Thompson and Ryan Hughes of Bull Oak Investments, discuss the financial advisory industry's challenges, particularly for smaller Registered Investment Advisors (RIAs). They explore the difficulties in talent acquisition due to industry consolidation and financial constraints. The conversation also highlights the rise of unqualified individuals claiming to be financial experts, stressing the need for stronger enforcement and consumer education.Additionally, they touch on current market conditions, inflation, and economic policies, emphasizing the importance of building strong...
2025-03-1827 min
The 9Innings PodcastEp 120: Beyond 18: Preparing for Adulthood with a Special Needs ChildIn the "Special Needs Planning: 18 and Beyond" episode of the 9innings Podcast, we delve into the challenges parents and guardians face as their special needs children transition into adulthood. Key topics include the legal shifts at age 18, such as guardianship and power of attorney, financial planning through special needs trusts and ABLE accounts, and the transition from school to adulthood with options like vocational training. I also highlight the emotional adjustments required for fostering independence and building a support system. This episode is a comprehensive guide for navigating this critical life stage. Understanding the Legal Shift (00:01:11)
2025-03-1114 min
The 9Innings PodcastEpisode 119: đ„ "The Truth About Inflation and Job Creation: What Everyone Gets Wrong" ft. Dr John Harveyđ°đIn this episode of the 9inningsPodcast, Kevin and Dr. John T. Harvey, an economics professor at TCU, discuss inflation, Modern Monetary Theory (MMT), and fiscal policy. Dr. Harvey explains the complexities of inflation, emphasizing its multifaceted nature and the significant impact of housing costs on the Consumer Price Index (CPI). The conversation covers the limitations of traditional monetary policy, the role of government in job creation, and the need for policies that address the root causes of inflation. Dr. Harvey advocates for a nuanced understanding of inflation and proactive public sector job initiatives to ensure economic stability and social...
2025-03-041h 08
The 9Innings PodcastEpisode 118: đ„ "Trump in Exile: The Populist Playbook for Political Survival"In this episode of the 9innings Podcast, we speak with Meredith McGraw, author of "Trump in Exile." Meredith, a political reporter who transitioned from Politico to the Wall Street Journal, shares her experiences covering Donald Trump during and after his presidency. The discussion explores Trump's post-presidency political maneuvers, the loyalty dynamics within the Republican Party, and ongoing debates about election integrity, providing a nuanced look at contemporary American politics through Meredith's insights and research.Trump's Low Point (00:03:45)Reinvigoration in Palm Beach (00:06:27)Loyalty in Politics (00:08:16)Trump's Political Strategy (00:10:01) ....
2025-02-2530 min
The 9Innings PodcastEp 117: đ„ "The Budget Bill Breakdown: 5 Ways It May Hit Your Wallet & What You Can Do About It" đ„In this episode of the9innings podcast, Kevin Thompson analyzes the House Republican budget bill and its financial impacts on consumers. He discusses significant cuts to agriculture, infrastructure, and mandatory spending, including Social Security and Medicare. Kevin warns of potential increases in food prices, borrowing costs, and transportation expenses. He advises listeners to budget for higher costs, lock in fixed loan rates, and plan for retirement. The episode aims to educate and empower listeners to navigate the financial changes brought by the budget bill.Impact of Agriculture Budget Cuts (00:00:59)Debt Limit Increase Explained (00:04:15) ...
2025-02-1814 min
The 9Innings PodcastEpisode 116: đïž Unmasking the PINOs: How to Spot the Impostors in Financial AdviceWelcome to the 9Innings Podcast where we Educate, Empower and Engage. In this episode of the "9innings Podcast," host Kevin Thompson, converses with Chuck Failla CFPÂź, founder of Sovereign Financial Group and host of the GoRIA Podcast. They delve into the fiduciary standard in the financial advisory industry, addressing the challenges posed by "planners in name only" (PINOs) and the distinctions between broker-dealers and independent registered investment advisors (RIAs). The discussion highlights the importance of fiduciary responsibility, the value of RIAs, educating clients, and the need for title protection and simplification within the industry. Debate o...
2025-02-1131 min
The 9Innings PodcastSpecial Episode 115: Return Or Resign? The Governmentâs Toughest Choice đïžWelcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: Kevin discusses the challenges faced by government employees due to a recent executive order requiring them to return to in-office work or resign with an eight-month severance package. He explores the feelings of disrespect and uncertainty among employees, the financial implications of their decisions, and the importance of strategic planning. Kevin emphasizes understanding retirement options under FERS and CSRS and encourages seeking personalized financial guidance. The episode aims to educate and empower government employees during this challenging time.Government Employees...
2025-02-0215 min
The 9Innings PodcastEpisode 114: Is Infinite Banking Too Good to Be True?In this podcast episode, Kevin Thompson critiques the concept of "infinite banking." He explains that while the idea of using cash value life insurance policies to become one's own banker sounds appealing, it is often misrepresented and complex. Kevin shares his personal experiences with permanent life insurance, highlighting high fees, minimal early cash value, and the risks of policy loans. He stresses the importance of working with knowledgeable fiduciaries and offers alternative wealth-building strategies like low-cost index funds and retirement accounts. Kevin aims to educate listeners on making informed financial decisions."Infinite banking my ass! There is...
2025-01-2821 min
The 9Innings PodcastEpsidoe 112: The Greatest Financial Scandal: Unpacking Deutsche Bank's Troubled LegacyIn this podcast episode, Kevin engages with journalist and author David Enrich about his book on Deutsche Bank's tumultuous history. They discuss the bank's questionable practices, its relationships with high-profile clients like Donald Trump, and its role in financial crises. Enrich shares insights from his journalism career, highlighting Deutsche Bank's culture of greed and mismanagement. The conversation explores broader themes of financial recklessness, the impact of corporate culture on ethics, and the consequences of risky lending practices. The episode underscores the need for accountability and reform in the banking sector to prevent future crises.
2025-01-1432 min
The 9Innings PodcastEpisode 111: Unmasking Permanent Life Insurance (What The Industry Won't Tell You)In this podcast episode, Kevin Thompson, founder and CEO of 9i Capital Group, hosts Steven S. Zeiger, an insurance industry expert. The episode, titled "Unmasking Permanent Life Insurance," discuss the complexities and potential pitfalls of permanent life insurance. Steven shares his journey of prioritizing client interests over company sales goals and underscores the necessity of independent research in evaluating life insurance policies. The discussion highlights the need for transparency, informed decision-making, and the role of advisors in presenting clear, data-driven policy comparisons.Insurance Company Experience (00:04:13)Ethics in Insurance Sales (00:06:19)Understanding Life...
2025-01-0733 min
The 9Innings PodcastEpisode 109: The Greatest Mistakes New Entrepreneurs Make and How to Avoid ThemIn this podcast episode, Kevin Thompson, founder and CEO of 9i Capital Group, discusses the fundamentals of business ownership. He covers essential topics like business structures (sole proprietorships, LLCs, S corps), taxation, and the importance of building a supportive team. Kevin shares personal anecdotes to highlight the opportunities in the U.S. economy and encourages listeners to pursue their passions. He emphasizes the necessity of seeking professional advice and mentorship. The episode aims to educate, empower, and engage aspiring entrepreneurs, providing practical insights to help them succeed in their business endeavors.Business Structures Overview (00:03:20) Explaining...
2024-12-3115 min
The 9Innings PodcastThe Realities of Running an RIA: What They Donât Tell YouIn this episode of the 9inngs Podcast, host Kevin Thompson interviews Manish Khatta from Potomac about transition to becoming a Registered Investment Advisor (RIA). They explore the pros and cons of moving from a broker-dealer to an RIA, emphasizing the importance of self-awareness in making this decision. Manish shares insights from his experience, noting that not all advisors want to be business owners; many prefer focusing solely on advising clients. They also discuss the financial implications, infrastructure needs, and emotional challenges of running an RIA, stressing the significance of understanding one's value proposition.The Role...
2024-12-1739 min
The 9Innings PodcastRetirement Planning for Entrepreneurs: Why Your Business Alone Isnât EnoughIn this podcast episode, Kevin Thompson, founder and CEO of 9i Capital Group, emphasizes the importance of a tax-savvy financial plan for business owners. He discusses how many owners miss out on tax benefits due to uncoordinated strategies. Kevin highlights key benefits of effective tax planning, such as minimizing tax liability, freeing up cash flow, preparing for unexpected expenses, and facilitating retirement. He shares personal experiences and advises on choosing the right business structure, maximizing deductions, and managing cash flow. Kevin encourages proactive, year-round collaboration with financial advisors and tax professionals to optimize financial strategies.
2024-12-1014 min
Retire Well with Kelly RacicotEpisode 43 New Retirement Rules For 2025On this episode, Kelly talks about some new retirement account rules that take effect for 2025. Whether youâre still working or retired youâll want to be aware of how some of these new rules might impact youâre your retirement income planning.Interesting ReadsUSNews.com: What Is The Secure ActInvestopedia.com What is the Secure Act and How It Could Affect Your RetirementKiplinger.com: Secure Act 2.0 Summary Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. Sh...
2024-12-0417 min
The 9Innings PodcastThe Truth About Infinite Banking: Myths, Misconceptions, and RealitiesIn this episode, Kevin Thompson, CEO of 9i Capital Group, sits down with financial expert Andy Panko, CFPÂź, RICPÂź, EA, to unpack the concept of infinite banking. They dive into how whole life insurance policies can serve as a vehicle allowing policyholders to borrow against their cash value.The conversation highlights:The mechanics and "myths" of infinite bankingKey differences between whole life and universal life insuranceAssociated risks and misconceptionsTogether, they stress the importance of understanding these products, seeking professional advice, and debunking the oversimplified âbank on yourselfâ narrative often used to market this strategy. This e...
2024-12-0328 min
The 9Innings PodcastEp: 105 Tariffs, Taxes and Trump: How You Can Thrive to SurviveIn this episode of the 9 Innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, explores the potential impacts of Donald Trump's presidency on small businesses. He dives into key areas such as tax policies, deregulation, workforce dynamics, and trade tariffs. Kevin highlights the importance of staying informed about political changes, understanding tax cuts, deregulation, adapting to workforce shifts, and managing trade tariffs. He offers practical tips for small business owners to build financial resilience and leverage opportunities. Kevin encourages listeners to engage with his content and stay proactive in a changing economic landscape....
2024-11-2615 min
The 9Innings PodcastFrom Low Rates to High Stakes: The Changing Dynamics of HomeownershipIn this podcast episode, Kevin Thompson, founder and CEO of 9i Capital group LLC, digs into the bond market, focusing on "bond vigilantes," interest rates, and the housing market. He clarifies that while the Federal Reserve can influence short-term rates, it has limited control over long-term rates, which are driven by market dynamics. Kevin discusses the impact of higher interest rates on homeownership, noting the challenges potential homeowners face due to elevated mortgage rates and high home prices. The episode aims to educate listeners on these financial topics and provide insights into the broader economic environment.
2024-11-1911 minRetire Well with Kelly RacicotEpisode 42 What is Holistic Planning and Why Your Retirement Needs ItA successful retirement plan should focus on more than just managing your financial accounts. This week we dive into holistic planning. What does mean? And how not taking a holistic approach to your retirement plan can lead to unexpected and often unnecessary expenses.Interesting Readsss.gov: Taxes and your Social Security BenefitKiplinger.com: Why a Good Retirement Plan Isnât Separate PiecesKelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who ar...
2024-11-1316 min
The 9Innings PodcastEpisode 103: Fiduciary or Fraud? Unmasking the Truth Behind Financial AdviceIn this episode of the 9innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, discusses the fiduciary standard with guest Knute Rostad from the Fiduciary Institute. They explore the implications of a new administration potentially deprioritizing this standard, which mandates that financial advisors act in their clients' best interests. The conversation covers the importance of transparency, the evolution of the financial advisory landscape, and the challenges posed by different business models. Both speakers emphasize the need for ongoing education, ethical practices, and constructive dialogue within the financial advisory community to maintain trust and integrity.
2024-11-1237 min
The 9Innings Podcastđ Are We Thinking or Just Teaming? The Psychology Behind Political LoyaltyIn this podcast episode, Kevin Thompson, founder and CEO of 9i Capital Group, digs into political identity, tribalism, and ideology ahead of an upcoming election. Drawing from "The Myth of Left and Right" by Hyrum Lewis and Verlan Lewis, Kevin challenges the notion that political affiliations are rooted in consistent beliefs, suggesting they may be more about tribal loyalty. He encourages listeners to critically examine their motivations for supporting political parties and to consider whether their beliefs are genuinely held or influenced by group identity. The episode aims to educate and engage the audience in thoughtful reflection on their...
2024-11-0518 minRetire Well with Kelly RacicotEpisode 41 Avoiding Scams That Target RetireesOn this Halloween edition of Retire Well, weâre shining a light on the frightening world of scams that target retirees. From too good to be true offers to tech savvy schemes, weâll help you to avoid being tricked and protect your finances.Interesting ReadsUSA.gov How To Place or Lift a Freeze on Your CreditConsumer.ftc.gov: Free Credit Report Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retir...
2024-10-3027 min
The 9Innings PodcastFrom Corporate Constraints to Entrepreneurial Freedom In The RIA SpaceIn this episode of the 9innings podcast, hosted by Kevin Thompson, the focus is on entrepreneurship in financial advisory, community building among advisors, and industry challenges like consolidation. Kevin, the founder of 9i Capital Group LLC, introduces guest Eric J. Negron from Forefront Wealth Partners. Eric shares his journey from feeling constrained in traditional firms to founding his own company, driven by a desire for independence and a supportive work culture. They discuss the significance of the Future Proof Festival, the role of social media, and the importance of authenticity and collaboration in the financial industry.
2024-10-2933 min
The 9Innings PodcastCelebrating 100 Episodes: Lessons Learned from the Financial Advisory Frontlines.In the 100th episode of the 9innings podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, celebrates this milestone by reflecting on the journey and engaging with notable guests. Josh Brown, CEO of Ritholtz Wealth Management, discusses the impact of AI and consolidation in the financial advisory industry. David Kinder delves into fiduciary standards and Regulation Best Interest (RBI) in the insurance sector, highlighting the industry's resistance to fiduciary obligations. Tyrone Ross Jr., CEO of Turnkey Labs, emphasizes the importance of understanding cryptocurrency in financial planning. Bethany Mclean talks about healthcare disparities and how Covid-19 exposed our...
2024-10-2236 min
The 9Innings PodcastEpisode 99: Profits Over People: Why Marginalized Communities Suffered Most During COVID-19In this episode of the "9innings Podcast," host Kevin Thompson, founder and CEO of 9i Capital Group, converses with Bethany McLean, author of "The Big Fail: How the Pandemic Revealed What America Protects and Who It Leaves Behind." They discuss the systemic failures exposed by the COVID-19 pandemic, focusing on healthcare disparities and the detrimental impact of private equity on the industry. McLean highlights the inadequacies in pandemic preparedness and the inequities faced by marginalized communities. The episode calls for a reevaluation of healthcare policies to prioritize equitable care and address the systemic issues revealed by the pandemic.
2024-10-0835 min
The 9Innings PodcastEpisode 98: The Secret Sauce Behind Future Proof's Explosive Growth and EngagementIn this episode of the 9innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, discusses the groundbreaking Future Proof event with guest Matt Middleton. Kevin praises the event's transformative impact on the financial services industry, highlighting its vibrant atmosphere and innovative networking opportunities. Matt shares insights on the event's success, noting a significant increase in attendance and the importance of fostering a collaborative environment. They discuss the event's no pay-to-play model, which promotes inclusivity and diverse voices. The episode underscores Future Proof's role in creating meaningful connections and setting a new standard for industry gatherings.
2024-10-0124 minRetire Well with Kelly RacicotEpisode 40 Phase 2 of Retirement PlanningWhen we think about retirement planning, we generally think about saving and investing for our future. But thatâs only the beginning. Itâs crucial to give proper thought to whatâs next. On this weekâs episode Kelly dives into how to manage your nest egg and protect yourself from some common mistakes.Take our risk tolerance quiz https://thefinancialhq.com/yourhrsagent.comInteresting ReadsFidelity.com: How to Plan For Rising Healthcare CostsKiplinger.com: Threats to the Distribution Phase of Retirement Kelly Racicot is a Retirement Income Cer...
2024-09-1814 min
The 9Innings PodcastEpisode 96: The Ripple Effect of Regulation: How Changes in the Financial Industry Affect Consumers and Advisors AlikeIn this episode of the "9innings Podcast," Kevin Thompson, founder and CEO of 9i Capital Group, discusses the evolving regulatory landscape in the financial services industry with Tracy Lownsberry, owner of Up North Retirement. We delve into the implications of Regulation Best Interest (RBI) and the fiduciary standard, examining the shift from commission-based to fee-based models and the complexities of financial advisory titles. The conversation highlights the need for transparency, standardized commission structures, and continuous education to better serve consumers. Tracy advocates for clearer regulations and accountability in the insurance industry to enhance consumer protection and advisor...
2024-09-1034 minRetire Well with Kelly RacicotEpisode 39 Big Changes Coming To Your Healthcare PlanThe Inflation Reduction Act is making a BIG impact on Medicare prescription drug plans in 2025. This week Kelly shares how this legislation affects Medicare and if youâre over 65 how your employer plan may be impacted. Interesting ReadsCMS.gov Medicare Prescription Payment PlanForbes.com What to Do if the $2000 cap jeopardizes your employer coverageHealthinsurance.org Obamacares Subsidy Cliff Eliminated Through 2025Medicare.gov Avoid Late Enrollment PenaltiesKelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in...
2024-09-0417 min
The 9Innings PodcastEpisode 95: The Disruption Blueprint: Disrupt or Be DisruptedIn this episode of the "9innings Podcast" we discuss the Disruption Blueprint. Kevin Thompson, CEO of 9i Capital Group LLC, and Shannon Spotswood, the CEO of RFG Advisory, discuss the evolving Registered Investment Advisor (RIA) industry. They explore themes of disruption, innovation, and the impact of private equity. Shannon emphasizes the importance of helping independent advisors grow without compromise, leveraging technology, and maintaining strong client relationships. She shares insights on navigating industry challenges, the role of private equity, and the need for advisors to adapt and innovate. The episode concludes with optimism for the future of the RIA space.
2024-09-0336 minRetire Well with Kelly RacicotEpisode 38 Do I Still Need Life Insurance in RetirementMost people have been told they wouldnât need life insurance once they retire, but is that true for everyone? This week Kelly talks about who might still need life insurance in their retirement years and also shares a few ways to use life insurance in ways you may not have thought about. Interesting Reads: Investopedia.com: Do I Still Need Life Insurance After I Retire?Marketwatch.com: How to Use Life Insurance to Help with Estate PlanningForbes.com How Hybrid Life...
2024-08-2116 min
The 9Innings PodcastEpsiode 93: The Coachella of The Finance Industry: FUTURE PROOF w Matt MiddletonIn this episode of the Nominees Podcast, host Kevin Thompson speaks with Matt Middleton, CEO and co-founder of Future Proof, a pioneering financial services festival. They discuss the festival's inception post COVID-19 pandemic, its innovative approach to industry events, and the challenges faced in establishing it. Middleton emphasizes the importance of inclusivity, genuine connections, and diverse perspectives in the financial sector. Future Proof aims to break traditional event molds by fostering open dialogue and dynamic interactions. The conversation highlights the festival's mission to reshape the financial services landscape through authenticity and continuous innovation....
2024-08-2033 min
The 9Innings PodcastEpisode 92: The Insurance Lobby BALKS at Your Best Interest!In this podcast episode, Kevin Thompson RICpÂź, CFPÂź discusses the insurance industry's opposition to the Regulation Best Interest (RBI) rule established by the SEC. He explains that the Reg BI rule mandates broker-dealers to act in the best interest of their retail customers, enhancing transparency and accountability in financial advising. Kevin critiques the insurance lobby's resistance, highlighting concerns about increased regulatory burdens, potential sales reductions, and conflicts with state regulations. He advocates for a standardized fiduciary approach to ensure consumer protection and emphasizes ongoing engagement and support for clients. Discussion on Best Interest Co...
2024-08-1213 min
The 9Innings PodcastEpisode 91: Betelgeuse and the Recession: How Fear Shapes Our EconomyWELCOME TO THE 9Innings PODCAST...In this episode of the "9inningsPodcast," Kevin Thompson, founder and CEO of 9i Capital Group, discusses the potential for a recession. He examines economic indicators, market reactions, and Federal Reserve actions, providing a comprehensive overview of the current economic landscape. Kevin explains the dual mandate of the Federal Reserve and the significance of the bond market, using the metaphor of "Betelgeuse" to illustrate how recession fears can become a self-fulfilling prophecy. The episode aims to educate listeners on economic dynamics and the potential impact of Federal Reserve decisions on market...
2024-08-0712 minRetire Well with Kelly RacicotEpisode 37 Managing Your Finances During Election Year MadnessItâs hard to escape the noise that the surrounds the Presidential election. This week on the show we address some of the fears surrounding how election results impact your future retirement plans and what you should do about it. Interesting Readshttps://www.investopedia.com/investors-election-year-worries-could-be-overblown-experts-say-8410521https://news.nationwide.com/101123-nearly-half-of-investors-believe-2024-election-will-have-a-big-impact-on-portfolios/ Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the...
2024-08-0715 min
The 9Innings PodcastEpisode 90: Don't Be a Spoofing Victim: How to Outsmart the Scammers!In this episode of the "9innings Podcast," we broach the topic of "spoofing," a scam where fraudsters disguise their identity to deceive individuals into revealing personal information. The episode provides insights into various spoofing methods, signs to watch for, and practical tips on protecting oneself from such scams, emphasizing the importance of education and vigilance. From Tiktok to Facebook, many individuals have fallen victim to spoofing, and we are here to provide context to what spoofing is, how to recognize it, and how to not fall victim to this fraud.Understanding Spoofing (00:00:58) Definition...
2024-07-3019 min
The 9Innings PodcastEpisode 89: Where Have All the Black Players Gone? A Baseball Mystery!In this episode of the "9innings Podcast," host Kevin Thompson, founder and CEO of 9i Capital Group, discusses the decline of African American players in Major League Baseball (MLB). He highlights a significant drop from 19% in 1995 to 7% in 2023. Kevin attributes this trend to several factors, including the lack of domestic academies in the U.S., insufficient representation and role models, economic barriers, competition from other sports, and socioeconomic challenges. He calls for increased investment in domestic academies and outreach programs to foster talent and ensure a more inclusive future for baseball.Statistics Overview (00:01:00)
2024-07-2419 minRetire Well with Kelly RacicotEpisode 36: Your Retirement Questions AnsweredThis week on week on Retire Well Kelly will be answering questions from our listeners. Weâll be covering topics on Medicare, Income planning and mortgages in retirement. These are the questions that our Retire Well community wants to know! Interesting ReadsSSA.gov Apply For Extra HelpAging.pa.gov Apply for Pace or PacenetSSA.gov IRMAA Appeal SSA-44Nerdwallet.com IRMAA BracketsKiplinger.com Retirees with Guaranteed Income are Happier Live LongerKelly Racicot is a Retirement Income Certified Professional and the owner and foun...
2024-07-2420 min
The 9Innings PodcastEpisode 88: Unmasking Financial Influencers: Separating Fact from FictionWelcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode of the 9innings podcast, Kevin Thompson, founder and CEO of 9i Capital Group, delves into the rise of financial influencers and the importance of discerning credible advice from misinformation. He stresses verifying the credentials of online financial advisors through platforms like BrokerCheck and the SEC website. Thompson advises conducting background checks via social media and analyzing content quality to assess influencers' credibility. He warns against clickbait tactics and fake reviews, urging listeners to seek guidance from certified...
2024-07-1714 min
The 9Innings PodcastEpisode 87: Small Business Owners Beware: The Potential Impact of the Tax Cuts and Jobs Act ExpirationIn this episode of the 9innings Podcast, host Kevin Thompson, founder and CEO of 9iCapital Group, delves into the expiration of the Tax Cuts and Jobs Act (TCJA) and its ramifications for small business owners. Thompson outlines the key components of the TCJA, including tax rate reductions, the Section 179 deduction, the Qualified Business Income (QBI) deduction, corporate tax rates, and bonus depreciation. He emphasizes the importance of understanding these potential changes, which could take effect in 2026, and provides a detailed analysis to help small business owners navigate the impending tax landscape.Overview of the Tax...
2024-07-1011 min
The 9Innings PodcastEpisode 86: Protect Yourself-Social Media Tips to Save Your JobIn this episode of the 9Innings Podcast, host Kevin Thompson explores the intricate relationship between social media, freedom of speech, and professional consequences. He explains the difference between freedom of speech and freedom from consequence, highlighting the risks social media poses to employment.Kevin provides practical tips for safeguarding one's career, such as adjusting privacy settings, understanding company policies, and maintaining separate personal and professional accounts. He also discusses the broader societal implications, emphasizing the need for open dialogue on diversity of thought and the risks of expressing personal beliefs online.Freedom of...
2024-07-0417 minRetire Well with Kelly RacicotEpisode 35 The Looming Long Term Care CrisisThis week on Retire Well, weâre taking on the subject of long-term care. With 10,000 baby-boomers turning 65 every day, a care crisis is looming, and your retirement plan should be ready. Kelly will dive deep into the increasing aging population, different ways to receive your care and strategies to cover the cost. Interesting ReadsKFFHealthNews.org:Dying Broke A KFF Health News & NY Times ProjectPHCA.org: The Need For Long Term Care GrowsGenworth.com: Cost of Care SurveyAARP.org: Long Term Care â The Crisis Everyone Must Face
2024-07-0322 min
The 9Innings PodcastEpsiode 85: Why Kids Today Are Worse Off Than Their Parents..In this episode of the 9 Innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, discusses the housing market and the decision to rent or buy a home. He shares his personal experience of buying his first home in 2005 and compares it to the current market challenges faced by younger generations.Kevin highlights the financial burdens of higher home prices and interest rates today. He explores the benefits and trade-offs of homeownership versus renting, emphasizing stability, equity, and tax benefits of owning a home, while acknowledging the flexibility and reduced responsibilities of renting. Kevin encourages listeners...
2024-06-2616 minRetire Well with Kelly RacicotEpisode 33 Creating Flexibility in Your Retirement PlanThis week on Retire Well we explore why having the ability to pivot when life throws your plans of track is vital to your retirement success. Having an element of flexibility will allow you to make necessary adjustments and help you to feel more confident in your plan.Interesting ReadsSsa.gov: Retirement ReadyKiplinger.com: Retirees with Guaranteed Income Are Happier Investopedia.com: Black Swan Events and Their Impact Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LL...
2024-06-0513 min
The 9Innings PodcastEpisode 81: The Millionaire Roth: A Myth or A RealityIn this episode of the 9Innings podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, tackles the challenging topic of why most people won't amass $1 million in their Roth IRA. Thompson debunks common financial myths, particularly those spread by social media influencers, and explains the practical difficulties in reaching such a substantial retirement savings goal. He provides listeners with strategies for optimizing their Roth IRA contributions and highlights the importance of strategic financial planning and understanding the nuances of investment to realistically approach the $1 million milestone.The Roth IRA (00:01:01) Average Returns (00:01:56) ...
2024-05-2214 minRetire Well with Kelly RacicotEpisode 32 Timing Your Claim: Filing Strategies for Social SecurityThis week on Retire Well we dive into the one of the biggest retirement questions; should you delay filing for Social Security or file early. Kelly shares insights on why it may be a good idea to delay filing your benefits and why claiming early might be the right choice for you. Interesting ReadsSSA.gov: Early or Late Retirement? SSA.gov: Benefit Amounts SSA.gov: Benefits for SpousesKelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She...
2024-05-2217 minRetire Well with Kelly RacicotEpisode 31 - Retirement Under the Pressure of InflationRetire Well is back with a brand new episode. This week Kelly shares information on the inflation we are all experiencing and why itâs especially important for retirees to account for rising costs to ensure retirement success. Â In this episode we dive into what's causing the inflation problem today, what you can expect going forward and what you can do to preserve your retirement stability.Interesting ReadsSmart Asset inflation calculatorhttps://crr.bc.edu/with-inflation-many-retirees-will-pay-more-federal-income-taxes/CMS.gov: 2024 Medicare Parts A & B Premiums and DeductiblesKelly Rac...
2024-05-0816 min
The 9Innings PodcastEpisode 78: Is The Fed Damned If They Do, and Damned if They Don't?In this episode of the 9innings podcast, host Kevin Thompson, 9i Capital Group, speaks into the challenges faced by the Federal Reserve. The discussion focuses on the Fed's dual mandate of ensuring price stability and full employment, and the complexities of managing inflation and interest rates. Thompson explores the delicate balance the Fed must maintain to bridge economic conditions, the implications of their rate decisions, and the risk of these decisions being influenced by political factors. The episode provides an in-depth analysis of the Fed's current predicament and its potential effects on the economy and markets.
2024-05-0116 min
The 9Innings PodcastEp: 50 Talking Finance and Business and Community Johnny Collins Welcome to the 9Innings Podcast sponsored by 9i Capital LLc where we Educate, Empower and Engage.ON THIS WEEKS PODCAST: A powerful example of #blackexcellence as Kevin Thompson RICPÂź, CFPÂź talks to TCU legend Johnny Collins Founding Partner of Community National Title. The Horned Frogs had an incredible year reaching the national championship game and continue to grow in the DFW region. We broach topics such as interest rates and how they are impacting the Title Insurance business and also how they are impacting overall aggregate demand. We discuss opportunities within the community at large within our ow...
2023-02-2124 min
The 9Innings PodcastYour Top 5 Financial Queries Answered!!Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: Kevin Thompson, RICPÂźCFPÂź answers some questions many people are asking, according to google. He talsk about whether you should pay off your credit cards or save, how much house you can afford, how to invest in stocks, and a few additonal topics du jour. Enjoy this weeks installement of the 9Innings Podcast. Website: http://www.9inningscapitalgroup.com Hit the subscribe button to get new content notifications. https://youtu.be/WE1UpDXd7eE
2021-11-1913 min
The 9Innings PodcastWHAT IS IRMAA, AND HOW WILL IT IMPACT YOU?The Income Related Monthly Adjustment Amount, or IRMAA, is having a lasting impact on some retirees. On this episode of the 9Innings Podcast, Kevin Thompson CFP, RICP and James Mcglynn CFA discuss IRMAA and its impact. Listen and learn ways to reduce the impact of IRMAA. EMAIL: 9innings@9icapgroup.com with questions.
2021-09-1925 min
Retirement Starts TodayRetirement Rehearsal (Revisited)What could we learn about ourselves if we took a one-week "dry run" at retirement? Your host Benjamin Brand CFPÂź, RICPÂź is under the weather, so we are revisiting this idea of sitting home for a full week and doing absolutely nothing. What can be learned about your future, and how would your plans for [âŠ]
2019-04-0116 min
Retirement Starts TodayRewire Your Retirement â An Interview with Jamie HopkinsOur guest today is Jamie Hopkins. Jamie and I have a unique connection, as Jamie was one of the professors for my RICP designation (Retirement Income Certified Professional). Listen in as Professor Hopkins and I discuss: Why he choose retirement planning and educating financial planners over other disciplines. What is an easy way to boost [âŠ]
2018-10-0122 min