The Financial Call

The Financial Call is Capita's Podcast for teaching financial wellness.

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Episodes

Sleeping with the mailman? Messed-up Social Security Penalties: WEP/GPO

Are you a government worker or married to one? Three Capita Social Security planners unravel the complicated knot of government social security penalties, such as the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). These penalties mostly apply to those who work in uncovered jobs (not paying Social Security taxes) for a time. Learn about when these penalties apply, where they came from and ways to avoid or work around them. These penalties can take years to understan...

Nov 19, 2019•39 min•Ep. 25

A Tough Social Security Decision

Jeff & Brenda are faced with a life-changing Social Security decision. They could spend $133K of their $200K retirement savings within the first 4 years of retirement in order to get $15K more per year for the rest of their life from Social Security. What would you do? You’ve spent your whole life paying into your Social Security Benefit. This episode explains the strategies that can help you get the absolute most back, in your retirement. Zacc explains the basics of social security, his tho...

Nov 05, 2019•41 min•Ep. 24

Economics Defined by a 12 Year Old

In this episode, Zacc sits down with a group of young men ranging from 11-13 years old. They’re asked a series of questions about their finances and what they do to earn money. What do kids think is the typical average income? How much should kids be earning for jobs at this age? Should they get an allowance? How should they spend their earnings? Listen to hear the different perspectives and advice Zacc gives to these young men.

Oct 22, 2019•21 min•Ep. 23

Not So Preferred, Preferred Stocks

Advertisements for preferred stocks may catch your attention with phrases like 5.5% return, conservative, safe and not to mention the word “preferred” in their title. However, these stocks tend to be quite the opposite. Turns out, their only real benefit is being second to last in the line of payout in the unlikely case of bankruptcy. This episode discusses how preferred stocks really work, and suggests other investment options that are actually preferred by the professionals.

Oct 15, 2019•14 min•Ep. 22

Bundle and Save, Even with Medicare

Today’s episode is with two Medicare experts who help enroll over 6,000 people in Medicare annually. They outline the differences between an Advantage Plan and Supplemental Plans within Medicare. Learn how you can cater and take advantage of your Medicare Plan

Oct 08, 2019•36 min•Ep. 21

Unicorn IPOs & Getting Rich While Losing Billions

"Unicorn" might be my absolute favorite financial term yet. Listen to this episode to make sense of the recent WeWork madness and other unicorn businesses. We cover the difficulty of determining the worth of "network effect" businesses. In other words, the company is losing money, but it is still worth something. We all may have recently dodged a bullet with the re-pricing of the WeWork Initial Public Offering. Listen to figure out how.

Oct 01, 2019•26 min•Ep. 20

Lacey, Robert, and Henry Skip Taxes By Transferring Stock From Their 401(k) Through NUA

You own some of your employer company stock in your 401(k) or ESOP plan. You are about ready to roll the funds out. Put on the brakes! There may be a way of avoiding massive income taxes through Net Unrealized Appreciation (NUA). Listen to hear the stories of Lacey, Robert, and Henry. NUA didn’t make sense for all three, but it saved 2 of them big time. This episode was recorded in a fishbowl at the Wealth/Stack conference in Phoenix, Arizona.

Sep 17, 2019•30 min•Ep. 19

Raising A Money Monster

Are you raising a money monster? It is easier than you think. Sometimes your "help" is the root of the issue. This episode describes the most important tips for helping your kids be smarter in money decisions. This works whether or not your kids are still kids.

Sep 10, 2019•17 min•Ep. 18

Tricks To Early Retirement

According to my mother-in-law, the only independently wealthy people sell drugs. However, there ARE legal ways of retiring early. In fact, there are legal ways of getting money out of your retirement accounts without paying the 10% early withdrawal penalty! Don't miss these tricks to retiring early and sticking it to the tax man along the way.

Sep 03, 2019•25 min•Ep. 17

What Your Financial Professional Does Not Want You to Know

You know "that guy" in your neighborhood who you swear played Ned Ryerson in Groundhog day. You know, the insurance agent from high school who says "You can never have enough insurance right? Am I right or am I right?" You still can't figure out why you either never hear from your financial professional or you can't get them to leave you alone about a trade or insurance change. Darrin Gunnell was fed up with it and was willing to spend some time on The Financial Call allowing me to pull back the...

Aug 27, 2019•59 min•Ep. 16

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