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Most Recent Videos

The Ultimate Year-End Tax & Wealth Planning Checklist with John Nerserian: DYM Ep13

The Ultimate Year-End Tax & Wealth Planning Checklist with John Nerserian: DYM Ep13

Year-end planning shouldn’t be a reactive scramble in the final days of December. By taking an intentional, checklist-driven approach across taxes, investments, retirement accounts, and estate planning, you can significantly reduce your lifetime tax bill and avoid costly missed opportunities. In this episode, host Bob Powell sits down with longtime friend and wealth planning expert John Nersesian, founder of Nersesian Wealth Education, to break down essential proactive strategies before the calendar flips. In this episode, we cover: Proactive Tax Bracket Management: Marginal rate awareness, bracket stuffing, and managing phase-outs under new tax laws (including SALT caps, Senior Deductions, and QBI). Smart Investment Moves: Tax-loss harvesting rules, navigating the 61-day wash sale window, stock option exercise timing, and the emotional discipline of portfolio rebalancing. Retirement Optimization: Maximizing 401(k) and IRA limits, traditional vs. Roth decisions, utilizing Health Savings Accounts (HSAs) as supplemental retirement vehicles, and executing strategic Roth conversions. Distribution & Program Rules: Mandatory RMD timing and penalty reductions, Social Security claiming coordination, and Medicare enrollment choices. Legacy & Philanthropy: Annual gift tax exclusions, 5-year front-loading for 529 plans, "bunching" charitable deductions to beat the standard deduction, and utilizing Qualified Charitable Distributions (QCDs).

Is Your Pet Protected? The Estate Planning Mistake You Can't Afford

Is Your Pet Protected? The Estate Planning Mistake You Can't Afford

Becca Craig joins Finstream's Bob Powell to discuss how to protect your pets in estate planning. Pet ownership is a significant financial commitment. Learn how wealth advisors factor these family members into long-term financial planning. Robert Powell sits down with Becca Craig, a wealth advisor at Focus Partners Wealth, to discuss the intersection of personal finance and pet care. With 97% of pet owners in the US viewing their animals as family, understanding the associated costs is essential for accurate budgeting and retirement planning. We examine why treating your pet like a family member requires specific financial adjustments. Becca shares her own experience as a pet owner, detailing how she manages expenses for her two cats, Godric. This discussion provides practical insights for anyone looking to balance the emotional joy of animal companionship with responsible wealth management. Whether you are creating a new budget or adjusting your estate plans, these pet care tips help ensure your financial health remains stable. Subscribe to FinStream.tv for weekly financial planning breakdowns, and let us know in the comments how you budget for your pets.

How To Protect Your Kids From Scammers

How To Protect Your Kids From Scammers

In this clip from FinStream's Decoding Your Money Podcast, Nina and Professor Milligan discuss the significance of defining financial goals and the vital need for scam prevention, especially for children in today's digital world. Tune in for essential insights! #FinancialLiteracy #ScamPrevention

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