Are you a homeowner or looking to become one? Here’s where you can learn about all the insurance you may need! Listen in as Zacc and Laura are joined by insurance professional Spencer Shelton to delve into property and casualty insurance. They discuss various personal and commercial insurance types, including auto, home, and umbrella policies. Spencer explains the nuances of homeowners' insurance, such as the differences between HO-3, HO-4, and HO-5 policies, and the significance of flood insura...
Mar 04, 2024•56 min
In this special bonus episode Zacc Call joins Erik Soderborg on the 90 Days from Retirement Youtube channel to delve into the most pressing questions from the internet following their recent episode on Roth vs. Traditional. This engaging discussion offers valuable insights and answers to commonly asked questions, providing listeners with a comprehensive understanding of the complexities surrounding these critical financial decisions. Topics covered include: Traditional & RMDs (Required Minim...
Feb 26, 2024•33 min
Long-term care insurance is becoming an increasingly fundamental addition to the financial planning process. That’s why Zacc Call and Laura Hadley, along with insurance professional Barney Tanner, are diving into the intricacies of long-term care and disability insurance. They discuss the likelihood of needing long-term care, the various payment options including insurance, and the importance of planning for potential costs. The episode also explores the differences between standard and linked b...
Feb 19, 2024•45 min
Get ready for another special bonus episode where Zacc Call joins Erik Soderborg on the "90 Days from Retirement" YouTube channel! They dive deep into the critical art of securing your retirement funds, covering everything from external risks to the internal decisions that could make or break your financial future. The conversation dives deep into the intricacies of risk tolerance, savvy withdrawal strategies, and debunking the 4% rule, all while stressing the need for a personalized approach ta...
Feb 12, 2024•1 hr 28 min
There’s no magical date marked on the calendar telling you when to get life insurance. So, when should you get it, and is there a time you should get rid of it? In this episode, Zacc Call and Laura Hadley discuss both when to get and when to drop life insurance. Zacc shares his journey with life insurance, starting from when he married at 22, highlighting its importance for end-of-life expenses and family support. They explore the financial implications of death, such as mortgage and income cont...
Feb 05, 2024•30 min
Explore an exclusive bonus episode featuring Zacc Call and Erik Soderborg from 90 Days from Retirement, where they unravel the intricacies of optimizing your Social Security benefits. Delve into valuable insights on maximizing your financial future. Catch the full interview on Erik's YouTube channel for a comprehensive guide to securing your retirement. Full video: https://www.youtube.com/watch?v=KXFqGra9qHI&t=937s https://90daysfromretirement.com/...
Jan 29, 2024•1 hr 19 min
Does it feel like you’re constantly being pitched life insurance? There’s a reason for that and we’re going to tell you why. In this episode, Zacc Call and Laura Hadley explore the intricacies of life insurance. Zacc shares his journey with thyroid cancer and underscores the value of life insurance in providing financial security during unforeseen health issues. They discuss the importance of determining the right amount of coverage, differentiating between term and permanent life insurance, and...
Jan 22, 2024•36 min•Season 8Ep. 3
Navigating the intricacies of Medicare can feel like wading through an alphabet soup of confusion and misinformation. To help you feel less overwhelmed, Zacc Call and Laura Hadley break down the different parts of Medicare and explain key points to keep in mind before enrolling — so you can make an informed decision based on your healthcare needs. Zacc and Laura discuss: Why enrolling in Medicare at 65 isn't mandatory and delaying is an option The importance of timely Medicare enrollment to avoi...
Jan 08, 2024•19 min
Retiring early is a dream for many. However, people often hesitate due to a fear of high healthcare costs, given that Medicare doesn’t come into play until the age of 65. We address this concern today — in the first episode of our brand-new season about insurance! Zacc Call and Laura Hadley explore three options for pre-65 health care coverage: COBRA plans, retiree plans offered by employers, and plans obtained through the exchange. Zacc and Laura discuss: How COBRA helps address any gaps in cov...
Dec 25, 2023•21 min
If you plan to exit your business soon and are charitably inclined, you may have untapped tax-saving opportunities! In this episode, Zacc Call and Laura Hadley discuss tax-efficient charitable giving strategies for business owners planning to exit their businesses. They specifically share ways to leverage donor-advised funds (DAF) and charitable remainder trusts to reduce capital gains tax and maximize your tax deductions. Zacc and Laura discuss: How income from selling a business is taxed in th...
Dec 11, 2023•37 min
Let’s discover how to maximize your impact on your favorite charities while enjoying tax benefits using donor-advised funds! In this episode, Zacc Call and Laura Hadley discuss DAFs, their benefits, growth, and associated sponsors and fees. They emphasize the importance of separating tax decisions from the act of giving and the timing flexibility DAFs offer. Listen as they share a case study of a physician who optimized his charitable giving through a DAF, highlighting the flexibility and simpli...
Nov 27, 2023•31 min
Let’s continue to learn how to reduce your taxes while increasing your giving potential! More specifically, with the help of Qualified Charitable Distributions! In this episode, Zacc Call and Laura Hadley discuss the benefits of Qualified Charitable Distributions (QCDs) for individuals aged 70.5 or older. They explain how QCDs (Qualified Charitable Distributions), made directly from pre-tax IRA accounts to charities, can reduce taxable income and potentially lower Medicare premiums. They also di...
Nov 13, 2023•26 min
In this episode, Zacc Call and Laura Hadley discuss the tax benefits of charitable giving, focusing on the strategy of "bunching" or "doubling up" donations. They explain the impact of the standard deduction on tax benefits and how timing donations can optimize tax savings. They also introduce the concept of a donor-advised fund (DAF) as a tool for controlling the timing of your donations and itemized deductions. They emphasize that the cause, not the tax benefit, should be the primary motivatio...
Oct 30, 2023•27 min
In this engaging episode, financial experts Zacc Call and Erik Soderborg come together on Erik's YouTube channel 90 Days From Retirement to unravel the complexities of Roth and Traditional retirement accounts. Zacc and Erik provide listeners with valuable insights into how each account aligns with varying financial goals and circumstances. They demystify the common misconceptions surrounding Roth and Traditional accounts, empowering the audience to make informed decisions for their unique financ...
Oct 18, 2023•1 hr 3 min
It’s a brand new season with brand new topics! It’s time to unravel the intricacies of charitable giving. In this episode, Zacc Call and Laura Hadley discuss the benefits of donating cash versus stocks, and the potential tax advantages associated with each option. They also explore potential tax implications and limitations based on your income level and the type of charity you give to. Join the conversation as Zacc and Laura discuss: Why donating stocks as your form of charitable giving is extr...
Oct 16, 2023•25 min
Creating clear processes and systems can skyrocket the valuation of your business. In this episode, Zacc Call and Laura Hadley, along with their friend and colleague Tyson Long discuss the importance of having the right network and team of professionals when selling or owning a business. They highlight the order in which you should address the different categories of owning a business and the mentality you should have when tackling them. They also discuss the importance of involving a spouse in ...
Oct 02, 2023•34 min
In today’s episode, Zacc Call and Laura Hadley talk about exiting your business from a legal perspective with the help of attorneys Bryant Jensen and Megha Kundra from Fabian VanCott. Listen as they discuss the process business owners need to take when exiting their business, how to properly evaluate the market, review financials, and prepare for the sale. Bryant & Megha discuss: A breakdown of the legal costs associated with exiting your business How to properly document the entire valuatio...
Sep 18, 2023•40 min
Knowing how to effectively scale your business can greatly impact your retirement plans. Just imagine the opportunities and challenges that come with taking that leap! In this episode, Zacc Call and Laura Hadley discuss investing in your business and retirement as a business owner. They differentiate between business creators and solo practitioners, emphasizing the importance of scaling up a business to increase income potential. They also caution against relying too heavily on the value of the ...
Sep 05, 2023•26 min
Are you feeling overwhelmed by the complexity of small business retirement plans? In this episode, Zacc Call and Laura Hadley are joined by their Capita colleague, and recurring guest, Tyson Long to analyze and provide detail surrounding various retirement plan options for small business owners. Their suggestions are not one-size-fits-all but rather catered to consider factors like the number of employees and annual saving goals. Listen as they highlight the need for more simplification and bett...
Aug 21, 2023•38 min
What type of business structure should you use to limit your taxes and liability? In this episode, Zacc Call and Laura Hadley discuss various business structures and their implications for your taxes and liability. They explain that most business structures are pass-through entities, except for C corporations which are subject to double taxation. Plus they delve into sole proprietorships, partnerships, and limited liability corporations (LLCs), highlighting the risks and benefits of each. Listen...
Aug 07, 2023•30 min
Have you prepared to pass on your wealth to your children? If not (and take it from us!), it can lead to serious family feuds and even legal consequences. We don’t want this to happen to you. Let’s make your family’s relationship stay strong. In this episode, Zacc Call and Laura Hadley highlight practical solutions to prevent family issues caused by wealth, including open communication, fair estate planning, financial education, and maintaining strong family values. They also discuss the pitfall...
Jul 24, 2023•26 min
If you thought our last episode about Estate Planning was beneficial, then you’re really going to find this release chock-full of insight too! Join Zacc and Laura as they dive into the advanced strategies you and your family will want to use for a financially secure future! In this episode, estate planning guru and attorney at York Howell & Guymon, Eric Whiting discusses the various advanced estate planning strategies you can use to maximize the assets your family keeps after you pass. Zacc,...
Jul 10, 2023•47 min
With the help of this episode, individuals and families can make informed decisions about their estates and ensure a well-executed wealth transfer plan that aligns with their financial goals. This episode kicks off with an overview of estate taxes, explaining how they are applied to the transfer of assets from a deceased person to their beneficiaries. Zacc Call and Laura Hadley highlight the key factors that determine estate tax liability, such as the value of the estate, current tax laws, and a...
Jun 26, 2023•27 min
This week, we are turning the intricacies of naming beneficiaries and transferring retirement funds into easy, actionable, steps. In this episode, Zacc Call and Laura Hadley chat with, Kelsey Dent, Partner & Director of Financial Services at Capita Financial Network as she shares her insight around the process of naming beneficiaries, how to do so properly, and how to avoid some of the most common mistakes. Zacc, Laura, and Kelsey discuss: How to take money out and avoid paying maximum tax p...
Jun 12, 2023•35 min
One of the biggest misconceptions about estate planning is that a trust and a will are the same things and that if you have one, you don’t need the other. This is not true. In this episode, Zacc Call and Laura Hadley invite estate planning attorneys Courtney and Gregory Lyle onto the podcast to discuss some of the biggest misconceptions about trusts and wills and how you can use them to best organize your estate for your family. Greg and Courtney discuss: The main differences between a trust and...
May 29, 2023•34 min
Not sure when to start creating your estate plan? Take this as your sign. This first episode of season five provides an overview of estate planning and highlights the importance of protecting your assets and loved ones. Jayson McGinnis joins the conversation and discusses some of the misconceptions around estate planning, the key elements to consider, and some practical tips for those not knowing where to start with their plan. Zacc, Laura, and Jayson discuss: The important topics to discuss wit...
May 15, 2023•21 min
Between June 5th and the end of September this year, the U.S. government is scheduled to reach it's debt ceiling. Listen in to this special bonus episode to know what this means, how this will affect the economy and why there could be a government shutdown as a result of this. You don't want to miss this!
May 04, 2023•17 min
It’s important to educate yourself on the truth about taxes and avoid falling for the most common myths, which we debunk thoroughly. In this episode, Zacc Call and Laura Hadley discuss the most common tax myths people fall for which includes the discussion of mortgages, estate tax, and gifting funds. The aim is to help you better understand the truth behind these rumors so you can avoid problems with the IRS. Zacc and Laura discuss: The most believable tax myths you might be falling for How to l...
May 01, 2023•34 min
Does your employer offer stock options as part of your compensation package? Whether they do or not, this episode will be helpful for you to better understand the intricacies of stock options. In this release, Zacc Call and Laura Hadley dive into the topic of employee stock options, discussing what they are, how they work, and their benefits and risks. They also touch on taxes surrounding these types of investments with their guest, Zach Geertsen. Listen in as Zacc, Laura, and Zach discuss: How ...
Apr 17, 2023•32 min
Are you tired of paying high taxes and want to keep more of your hard-earned money? In this episode, Zacc Call and Laura Hadley break down various tax strategies to help you save money on your taxes. While they focus on tax strategies geared towards retirees, many of the tax strategies discussed can be applied at any age! Zacc and Laura discuss: Different tax strategies for retirees Some strategies that can be applied at any age The purpose of tax diversification How you can set yourself up for ...
Apr 03, 2023•34 min•Season 4Ep. 4
