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Most Recent Videos

Your Health Plan Could Cost More Without a Big Premium Increase

Your Health Plan Could Cost More Without a Big Premium Increase

Your health insurance could become more expensive through changes in coverage and out-of-pocket costs, even if the amount deducted from your paycheck barely changes. Bob Powell speaks with Jae Oh, CFP, author of “Maximize Your Medicare,” about what to review before selecting 2027 coverage. In this interview: Why payroll deductions reveal only part of the cost. What to check about your specific prescriptions. How to compare available employer plans. Why Oh recommends considering available HSA options. How projected income enters the ACA planning discussion. Why health needs and local plan availability matter. Oh’s comments include forecasts and recommendations that depend on individual circumstances. Approximate chapters: 0:11 — Employer coverage costs for 2027 1:41 — Health care delivery costs 2:25 — Costs beyond payroll deductions 3:19 — Employer open enrollment and HSAs 4:34 — ACA market changes 6:07 — Projected income and ACA coverage 8:02 — When detailed planning warrants help 9:00 — Individual circumstances and local choices

Don’t Use a Complex Tax Strategy Before Asking This

Don’t Use a Complex Tax Strategy Before Asking This

Treasury officials’ interest in tax-aware long-short funds, box spreads and Section 351 exchanges has renewed questions about sophisticated tax-planning strategies. Jeff Levine, chief planning officer for Focus Partners, joins Bob Powell to explain tax risk tolerance: an investor’s willingness to accept the possibility that the IRS could challenge a strategy or reject its intended tax treatment. They discuss: Where legitimate tax planning can enter a gray area. How tax risk differs from investment risk. Why prospective and retroactive decisions matter. When to consult a CPA, financial adviser or tax attorney. What a tax opinion can and cannot establish. How to decide whether potential savings justify the uncertainty. Questions for Bob and Jeff can be sent to [email protected].

Can’t Pay Your Taxes by Oct 15? File Anyway

Can’t Pay Your Taxes by Oct 15? File Anyway

The Oct. 15, 2026, extended filing deadline is approaching for taxpayers who have not filed their 2025 tax returns. What happens if you are missing a W-2, Form 1099, Form 1098, Schedule K-1 or Form 5498? And what should you do if your tax bill is larger than expected and you cannot pay it? In this episode of Focus On Finance Forum, Jeff Levine, chief planning officer for Focus, joins FinStream's Bob Powell to explain: Why you should file even if you cannot pay. How an IRS wage and income transcript may help. Why Schedule K-1 often arrives late. How an IRS payment plan may provide a path forward. Why ignoring the return can make the problem worse. The discussion does not cover payment-plan costs, interest, eligibility or repayment periods. Review those terms before entering an arrangement.

Decoding Your Money (View all)

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).

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

Are Your Kids Learning Money from You or TikTok?

Are Your Kids Learning Money from You or TikTok?

Learn how to teach kids about money: earning, spending, saving, investing, and avoiding scams through everyday conversations.

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