We’re back with more One Big Beautiful Bill Act updates. With tax cuts come some potential pitfalls that could affect you, from reduced federal health care spending to limited tax deductions, eliminated credits, and more. Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to highlight some so you know what to watch out for — and what you might want to be ready for come tax time. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your que...
Aug 07, 2025•17 min•Ep. 63
Riley’s back, and he’s here to chat about the tax implications of the One Big Beautiful Bill Act! On this episode, Riley Thoubboron, CFP®, joins colleagues Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, to review the tax-specific changes that the O-tripple-B brings — and what they could mean for you. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ...
Jul 24, 2025•14 min•Ep. 62
It’s investment planning month for Jason Speciner, CFP®, EA, here at FPFoCo! In this episode, Regina Neenan, CFP®, chats with him about active and passive investment management and gets his take on choosing a more passive style for our clients. Plus, hear about target-date funds, rebalancing, the importance of your risk assessment, and more! Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new ...
Jul 10, 2025•18 min•Ep. 61
Financial planning doesn’t end when you stop working! If you’re preparing for retirement, recently retired, or hitting a milestone — like three, five, or 10 years in — it’s probably a good time for a check-up. Where's your money coming from? Where's it going? And what are you doing when you’re no longer working? Wherever you're at in the retirement process, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have some ideas you can use to do it the right way. Plus, here’s the elder millennial mem...
Jun 26, 2025•15 min•Ep. 60
Introducing the newest member of our team to earn a professional designation! On this episode, Christin Hutchcraft, FPQP®, joins Regina Neenan, CFP®, and Jason Speciner, CFP®, EA, to share her experience in completing the Financial Paraplanner Qualified Professional™ course and earning the credential. From the rigorous education program to how what she’s learned translates to her work in operations here at FPFoCo, listen in to hear all about Christin’s latest achievement! Have a money or tax que...
Jun 12, 2025•16 min•Ep. 59
What would you do with a windfall? Jason Speciner, CFP®, EA, definitely knows what he would do! Listen in as he and Regina Neenan, CFP®, chat about different types of windfalls. They’ll discuss what you can do if one lands in your lap and how a financial plan could ground you emotionally as you make big decisions and navigate opportunities. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new o...
May 29, 2025•18 min•Ep. 58
Put your savings to work for you! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share why it’s important to have an e mergency and f uture o pportunities f und (EFOF) — and why your money should be productive. Plus, if you’re looking for a high-yield savings account where you can keep your EFOF safe and earning interest, check out a few resources below! Bankrate Flourish Cash Nerdwallet Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your...
May 15, 2025•12 min•Ep. 57
We love HSAs! Learn why Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are big fans of health savings accounts, how they differ from flexible spending accounts, and how you can make the most of your HSA. Plus, check out our blog on how to build your savings hierarchy based on your specific financial situation to learn where your HSA fits in! Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a ...
May 01, 2025•15 min•Ep. 56
The end of tax season is the perfect time to do some tax planning! Join Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, as they talk about using your refund or balance due to inform the current tax year, reviewing and updating your W-4, avoiding penalties by making quarterly estimated tax payments, and so much more. Beginning just after tax season and putting the finishing touches on at year-end with check-ins in between could positively impact your life and finances for years to come. Have a...
Apr 17, 2025•16 min•Ep. 55
Are you holding onto old paperwork that shows your personal information? From junk mail to outdated insurance cards and old tax returns, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, let you know why it’s important to shred old and unnecessary documents. Learn what to keep, how to store it, and why to shred what you don't need to protect your identity. Plus, schedule your spot to stop by the FPFoCo office during our Shred-A-Thon — and grab some free FPFoCo SWAG while you’re there! Have a mo...
Apr 03, 2025•15 min•Ep. 54
Tariffs and tariff threats and retaliatory tariffs oh my! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share how you can adjust your budget for regular inflation, tariffs, and anything else that might come your way throughout the rest of this year and beyond. Hear how you can divide your budget into fixed, non-monthly, and flexible portions to help you focus on what you can control. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your qu...
Mar 20, 2025•12 min•Ep. 53
Market volatility or economic concerns getting to you? Stick to the plan! Jason Speciner, CFP®, EA, talks with Regina Neenan, CFP®, about how he builds investment portfolios that are designed to include and manage downside risk. Learn what that means and when you should actually make a meaningful change to your portfolio — and your plan — in uncertain times. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’...
Mar 06, 2025•13 min•Ep. 52
Ready to refresh your financial plan? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share instances when it makes sense to do just that. From starting your independent financial life to marriage, a new job, relocation, having children, retirement, and so many more critical life moments, they discuss the perfect opportunities for your financial plan build or refresh. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future...
Feb 06, 2025•15 min•Ep. 51
Christin Hutchcraft has a new furry family member! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, hear Christin's story of teaching her son financial responsibility as he planned and worked hard to save for a dog. You’ll hear about the tasks he completed to earn money, how he thought outside the box as he prepared to adopt, and the responsibilities he’s now taking on to care for his sweet and cuddly pup, Creek! Plus, check out a photo of the whole Hutchcraft family in Christin’s blog, From P...
Jan 23, 2025•21 min•Ep. 50
With President Biden having eliminated the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) via the Social Security Fairness Act, some government retirees will soon receive higher Social Security benefits. On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, will discuss what this means for government retirees affected by the WEP and GPO, the Social Security Administration’s trust funds, and your own Social Security benefit — even if you work in the priv...
Jan 09, 2025•12 min•Ep. 49
The New Year is almost here! On today’s episode, we’re all in! Join the full team as Jason Speciner, CFP®, EA, Regina Neenan, CFP®, Riley Thoubboron, CFP®, and Christin Hutchcraft chat FPFoCo’s year in review. We’ll celebrate our clients’ and our firm’s successes in numbers from our implementation credit to continuing education hours and SEC registration to our new website . Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a fu...
Dec 26, 2024•10 min•Ep. 48
Ready to make a move? A relocation, that is! On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have a special guest: Their FPFoCo colleague, Riley Thoubboron, CFP®! Riley just moved over 1,000 miles from Boulder, CO, to Bend, OR, and he’s here to tell us all about it, from financial to tax and personal aspects of the decision and the move itself. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future epi...
Dec 12, 2024•19 min•Ep. 47
Happy Thanksgiving! On this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are celebrating gratitude and giving — of the charitable type, that is! We’ll explore local shopping, charitable donations, and the tax deductions associated with some types of giving. Plus, check out Jason’s favorite green bean casserole or the vegan version Regi makes each year ! Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future ep...
Nov 28, 2024•19 min•Ep. 46
Do you know what your legal name is? Are you sure — and have you been using it properly? In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, will tell you where you can find it — and how you can properly update yours if you’ve used a variation of your legal name for anything official along the way. Plus, we’ll touch on the variety of reasons why people change their names and even share our nicknames with you! Have a money or tax question for us? Send it to podcast@fpfoco.com, and...
Nov 14, 2024•15 min•Ep. 45
Happy Halloween! In honor of the holiday, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are sharing some of their holiday savings hacks. While their spending recently focused on spooky-themed items, you can use these tricks to treat yourself year-round. Listen in for easy ways to save from simple coupons to rewards that may be hidden in your health insurance app and extra discounts, too! Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer you...
Oct 31, 2024•15 min•Ep. 44
Free financial planning sounds great! But what if it’s not actually free? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, chat about some potential downsides of free financial advice in this episode. Learn what they are and how you can find the true cost of a “free" financial plan. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone...
Oct 17, 2024•24 min•Ep. 43
Got equity compensation? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, give a (very) brief overview of the different types and how they’re taxed. From ESPPs to ISOs, RSUs, and NSOs, this explainer will help you better understand your own equity comp. Want to learn more? Check out our companion blog, NSO, ISO, RSU, ESPP, and ESOP: Making Sense of Equity Compensation Alphabet Soup . It includes links to individual articles that take an even deeper dive into each type of equity comp. Have a mo...
Oct 05, 2024•14 min•Ep. 42
What are the financial impacts of losing a loved one — and how should you navigate them as you mourn their loss? On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, explore how loss affects individuals financially. They also review actionable ways in which you can accept your own mortality and prepare so you can reduce strain on the people you care about at your death, from naming beneficiaries on your first accounts to creating a robust estate plan and everything in between. ...
Sep 19, 2024•18 min•Ep. 41
Check out our new website at fpfoco.com! There, you’ll find the new home of Money & Taxes from Bb to XYZ — and a whole lot more! Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required. Learn more about FPFoCo at fpfoco.com , and be sure to subscribe to get the latest episodes in your favorite podcast feed! Y...
Sep 05, 2024•4 min•Ep. 40
In a world where hacks and data breaches seem constant, what can you do to protect yourself? With so much of your personal data tied to your financial life, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, review data security best practices — and what you can do to protect your credit and finances if you’ve been a victim of fraud. Plus, check out this resource from the Federal Trade Commission on Credit Freezes and Fraud Alerts . Have a money or tax question for us? Send it to podcast@fpfoco....
Aug 22, 2024•13 min•Ep. 39
As wildfires again burn where FPFoCo is based in Larimer County, Colorado, across the country, and beyond, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are reminded that preparedness is key. They’ll break down homeowners insurance considerations and policy areas to review for those in each generation, from baby boomers to generations X, Y, and Z. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll rel...
Aug 08, 2024•9 min•Ep. 38
What does it mean to be intentional when it comes to saving and spending? Let Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share their perspectives. From saving enough while enjoying your life, it’s all about balance. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required. Plus, you can check out Jason’s b...
Jul 25, 2024•19 min•Ep. 37
Relationships with work are changing. In this episode of Money & Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, discuss our evolving relationships with work and how members of each generation — from Baby boomers to X, Y, and Z — can intentionally enhance their work-life balance. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they...
Jul 11, 2024•19 min•Ep. 36
Did you know that 25% of adults identify as being Childfree? Listen in as our first-ever special guest, Dr. Jay Zigmont, CFP®, Childfree Wealth Specialist®, founder and CEO of Childfree Wealth® , and host of the Childfree Wealth® podcast chats with Jason Speciner, CFP®, EA, and Regina Neenan, CFP®. They’ll discuss what being Childfree is, how it’s different from simply being a SINK or DINK, and how it impacts financial planning for those across generations from baby boomers to those in generatio...
Jun 27, 2024•26 min•Ep. 35
Disability insurance is part of many employee benefit plans. But what do you do if you’re self-employed, if it’s not available to you through your employer, or if it doesn’t provide enough coverage? Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, break down ways for you to insure your income and why it’s important. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new one every o...
Jun 13, 2024•19 min•Ep. 34
