Everyone wants to figure out what is going on with Gamestop! Most people have no idea how you sell a stock short much less a hedge fund and a short squeeze. If you want the basic understanding, this is the episode for you. In this episode I explain the basic mechanics of short selling using a twitter thread example from Shaan Puri and basic language so my 10 year-old son can understand it.
Zacc Call & Tyler Williamson discuss Social Security changes to expect in 2021. This is both a podcast episode and webinar found on youtube & thefinancialcall.com. Tyler updates us on new figures for 2021 Social Security and filing strategies. Zacc cover the top two mistakes being made in calculating your break-even age.
Investing is more accessible now than ever before. Now that you can trade at a ZERO-dollar commission, the biggest hurdle is understanding the lingo on the website to place an order. In this episode, Zacc walks you through the basics of stock & fund trading. Zacc places a trade in his daughter’s custodial account. The video is available on YouTube and audio is available on all major podcast providers. Do not be intimidated be the terminology. This episode will help you through it.
Episode 50! I gave my co-workers packing cubes to celebrate my birthday. I am giving you the packing cubes of charitable giving today to celebrate episode 50. Donor Advised Funds are one of the most underutilized planning tools available to charitable givers. In this episode, Zacc breaks down Donor Advised Funds and why more people should be using them. Zacc explains the additional control DAFs provide over tax timing, giving records, and difficult-to-donate assets. Most people do charitable giv...
Emily Tate is a teacher who took on the project of improving financial wellness for her fellow teachers. We have an open discussion about the challenges teachers face such as low income and the lack of good financial planning help. We cover the first baby steps beginners should take as they begin financial planning. There are 4 distinct financial fires I believe everyone should extinguish before moving on to other planning topics. Listen to this episode to understand what they are to know if a f...
Let's discuss the number one client question. "How will the elections affect my investments and my retirement?" Join Zacc Call and Kurt Brown as they dive into the details. During this episode Kurt & Zacc explain why we haven't seen much inflation in spite of unprecedented government spending. Listen hear how Biden's proposed tax changes might affect the economy. Kurt and Zacc help simplify complex economic topics to help investors make sense of strange data.
Join me as I chat with Eric Stuart who is the VP of Life Distribution at Allegis Advisor Group. We are talking all things life insurance and digging into the details of the different types. Life insurance helps people when help is needed the most and many of us need life insurance. Listen to learn which type of policy best fits your needs.
Join me as I talk with Matt Russon from Russon Brothers Mortuary to discuss the somewhat uncomfortable topic of death and funeral planning. We discuss some of the big surprises that family members run into while planning the funeral of a loved one. Tune in to learn about some planning options for services that can save you and your family a lot of time and money.
You can hide from taxes now or reduce taxes later. If you have retirement assets, you can't do both. Jay & Barbara are faced with this exact situation. In this Real Retiree episode, I review their options for preparing for a future tax hit. I explain how it is somewhat paralyzing as neither option feels great. I share their decision and my opinion...which were not the same!
Listen to this bonus episode all about simplifying college savings. There are some major decisions you must make as a grandparent or parent helping with college savings accounts. I will discuss three different account types being: 529 accounts, custodial accounts, and a normal brokerage account. Tune in to learn more about these three account types and see which one is best for you.
"Tax on a tax" sounds fair right? How much taxes will you owe on your Social Security income in retirement? How much taxes do you pay now to qualify for Social Security? How is your benefit calculated? All these questions are answered in this Retiree Question episode. Our clients are constantly asking, so here is the answer.
Join us today as Zacc Call talks with expert Greg Lyle, who is a University of Utah S.J. Quinney College of Law graduate and member of the Utah State Estate Planning Section. Greg discusses his easy method for getting through the basics of estate planning. Most people need some estate planning work, so tune in to learn more about the four main documents he suggests having which are a trust, will, power of attorney, and advanced directive.
Zacc Call & Capita Advisor Matt Johns discuss the difference between mutual funds and exchange-traded funds. Many people avoid mutual funds because they think they are risky, but that isn't always true. Learn why you need to know the difference between mutual fund ETF active and passive in order to protect yourself from getting ripped off later.
Today we are talking with expert Lee McCullough who is an attorney and partner with McCullough Sparks as well as professor at the J. Reuben Clark Law school located at Brigham Young University. We are chatting about the importance of estate planning to help avoid relationships from crumbling. Join us as we talk about 5 key instruments of estate planning to help maintain the harmony within your family after passing and learn how to avoid major estate planning mistakes.
In this "Retiree Questions" episode, Zacc goes over the logistics of making withdrawals from your portfolio account with the help of fellow Capita advisor Bart Wagstaff and support staff member Calli Case. These three discuss in depth what goes on behind the scenes of withdrawals, taxation, and related investment considerations. The group also touches on Required Minimum Distributions and Qualified Charitable Distributions as they relate to making withdrawals. Listen in to understand all your di...
In "Retiree Questions" episodes, Zacc answers the common retiree questions we receive while doing financial planning at Capita Financial Network. When retirees ask whether they should withdraw from their 401(k) or take Social Security, they will get a mountain of uninformed and sometimes terrible financial advice. Most advisors' tools are not equipped to provide an accurate answer to this question. If advisors understand the question, most give ballpark estimates. Frankly, many individuals don't...
In "Real Retirees" episodes, Zacc talks through real situations and choices retirees must make. Jamison filed for Social Security benefits on his 67th birthday, however, this is likely a mistake. Listen to understand the error and to learn how to fix it.
Pinning up a financial planner against an index fund is a false dilemma. In fact, your financial planner may be investing your money in index funds. They are not in competition with each other. This misconception plagues both clients and advisors. This episode explains why this is such a dangerous comparison to make. You will learn there many financial planning disciplines. If an index fund is believed to be the best investment, you would hope any good financial planner would recommend you inves...
Capita advisors Zacc Call and Matt Johns discuss diversification and the ways it can affect your portfolio. In the early stages of portfolio construction, the diversification benefit is massive. However, it diminishes quicker than you realize. Why is that and how can we avoid it? Listen or watch this new episode to see what’s considered the ‘no man’s land’ when it comes to investing and your portfolio.
Zacc Call and Capita Advisor Matt Johns sit down and discuss the rookie mistakes, or not so rookie mistakes, made when investing. In this episode, they go over examples of mistakes you can and cannot avoid and why you will never have a perfect portfolio.
Dr. Terri Flint, an experienced mental health clinician, and wealth advisor, Zacc Call, spend the lunch hour on this webinar with you to discuss thriving in turbulent times. In a time of social distancing and economic disruption, Terri will discuss the science of resilience and the effects of social isolation.
Retirement can be a tough transition for anyone, even the Jazz Bear. Jon Absey takes off the mask and opens up about his career as one of the most prestigious mascots in the business. He shares what it’s really like behind the scenes and lessons he has learned through his retirement that may change the way you work now. Listen to this episode to hear it all.
Zacc Call & Kurt Brown (Townsquare Capital CEO, President, Chief Investment Officer) help make sense of recent market movements. They discuss the signs that typically show during bottoming markets. Listen to keep up as the news is coming fast!
The dummies, Ansley and Laura, are back. They wanted to learn how to open a Roth IRA account on their own. So, Zacc showed them how. This week's episode consists of step-by-step instructions on how to open up, contribute to, and invest inside a Roth IRA account. There is also a screen-recording of the entire process, so viewers can follow along at home. Zacc answers the dummies' basic questions along the way. Listen to and watch this episode to find out how you can do the same.
Last week’s episode pushed you to think about how much you want to be saving towards retirement. This week’s episode discusses what type of investments you need and uncovers your tool to maintain your retirement savings goal. The Fake Paycheck is the lazy man’s way to budget. Listen to this episode to learn how you can set up your accounts so that the only thing you need to worry about is if your spending account is getting low or not.
Zacc opens up about his personal story dealing with cancer and how that has affected the way he saves for retirement. He discusses the different saving styles of Americans and why saving too much may be too risky. This episode focuses on helping your dollar achieve the highest purpose possible. Learn how to save like a worker and think like a retiree, here.
Terri Flint, the doctor of well-being, teaches us why our new year’s resolutions aren’t working for us. After the diagnosis, Terri lays out a treatment plan to help us better prepare for our goals, assess our readiness, and make changes that actually work for our individual needs. Outline : Who is Terri Flint? What does she do? Terri discusses what kind of struggles she has faced in retirement. Focus on the important few and forget the unimportant many. Terri discusses why resolutions don't work...
Sometimes the numbers don’t always tell you what’s best. Zacc tells the story of Brad & Katie and how their financial goals may be getting in the way of their overall happiness. Zacc lays out their options to both achieve their goals and be happy, but it may be different than what the numbers suggest. Listen to this episode to find out if your financial fears are keeping you from your happiness.
Lester and Robyn have good Social Security benefits, Pension benefits and 2 million dollars saved for retirement, but they are still scared to retire! This episode uncovers the reason why this couple is still nervous to make the jump into retirement, despite their good financial position, and explores the options to plan for concerns. Learn how continuing to work may actually be hurting you rather than helping you! Case Study of Lester and Robyn. Who are they? Lester (63.9) works for $80k a year...
There are lots of reasons why people get divorced, but have you ever heard of someone getting divorced to get a better social security benefit? Capita Advisor, Jayson McGinnis, shares the story of a client who is considering just that. Sounds crazy? If someone offered you $640,000 to get divorced and remarried, you might do the same. Listen to find out if Sue & Denny split. Surprisingly, a quick divorce could earn you some extra cash.
