Sometimes people get so caught up in their retirement investments and savings that they forget how to properly manage their non-retirement related investments. This episode is our way of stopping you from making this mistake. Spend time with Zacc Call and Laura Hadley as they are joined by Tyler Williamson, Partner & Wealth Advisor at Capita to talk about how your non-retirement investments are taxed, how to limit taxes on capital gains, and so much more! Together they discuss: What you can ...
Mar 20, 2023•37 min
With the sudden shut down of Silicon Valley Bank over the weekend, Zacc and Laura are here to explain how this happened, what is being done to help the situation and if this can have an affect on you as a listener. Tune in now!
Mar 14, 2023•26 min
We are excited to announce that one of The Financial Call’s most listened to episodes now has a sibling. That’s right, we are talking about Roth and traditional investment accounts. In this episode, Zacc Call and Laura Hadley discuss the difference between Roth and traditional investment accounts and how to find out which one is the best fit for your retirement plan. Zacc and Laura discuss: Things you probably didn’t know about having a Roth IRA in your 401K The difference between a traditional ...
Mar 06, 2023•30 min
Taxes are so applicable to everyone and there are some very basic things that people can do if they understand how taxes work that will help them save on taxes, sometimes even thousands of dollars. In this episode, Zacc Call and Laura Hadley aim to help you better understand your tax return while also providing tax strategies that can help you save money. Zacc and Laura discuss: The foundation of how your taxes are calculated How your investments could be taxed in 2023 How to avoid risky task st...
Feb 20, 2023•29 min
Now that you have learned about the different types of investments, it’s time to put your knowledge to the test and start building your portfolio. In this episode, Zacc Call and Laura Hadley talk with Rich Gurr, CFP®, on the show to discuss not just how to set up your investment portfolio, but how to avoid the common mistakes beginner investors tend to make. Rich discusses: Why risk capacity should be the deciding factor on how you invest your money The first steps you should take when creating ...
Feb 06, 2023•32 min
Standard stock and bond portfolios have done their job well over time, but some investors want to add alternative investments for potentially higher returns and diversification. Alternative investments come with additional risks, but they may be the answer. Join Zacc Call, Laura Hadley, and Tyson Long, CFP® as they delve into the often misunderstood world of alternative investments and explain how these options can potentially enhance the diversity and performance of your portfolio. Whether you'...
Jan 23, 2023•33 min
We must warn you, this episode’s topic can be pretty polarizing in the financial services industry, but that’s not stopping us from doing an episode about it. In this episode, Zacc Call, Laura Hadley, and Tyson Long, CFP®, discuss the pros and cons of real estate investing and how you can discover whether it is a suitable venture for you in your investing career. Zacc, Laura, and Tyson discuss: Why real estate investing can be polarizing in the financial advising industry Capital markets vs. rea...
Jan 09, 2023•31 min
We’ll admit…learning about funds can be a pretty complex conversation, but that’s exactly why we have invited Tim Gottfredson, CFP®, on the show, to break this down into the simplest terms. In this episode, Tim shares his expertise about investing in funds and how you can do so while saving yourself the most amount of money possible. Tim discusses: How to limit broker fees and when you can expect them when investing in funds What an expense ratio is and how you can find the lowest ones What an E...
Dec 26, 2022•34 min
We’ve talked about the basics of investing, we’ve talked about investing in stocks, but now it is time to discuss everything you need to know about bonds! Investing in bonds is different from investing in stocks, and in this episode, we are here to help you decide whether they would be a viable investment option for your portfolio. Zacc and Laura discusses: The history of bond investments The benefits of investing in bonds compared to stocks Everything you need to know about high risk bonds Why ...
Dec 12, 2022•34 min
Learning to better understand the stock market and investing as a whole should be a key part of everyone’s retirement plan. In this episode, Zacc Call and Laura Hadley talk with Matt Johns, CFP®, to share his vast knowledge about the stock market which will help you better understand how you can make your money work for you prior to and during retirement. Matt discusses: How easy it is to purchase stocks in the current day Why you should fully own assets to keep up with inflation What currency r...
Nov 28, 2022•34 min
The wait is finally over… Season 3 has arrived! If you are someone who is wanting to jumpstart or even just enhance your investing journey, then you are going to love this season of The Financial Call! In this episode, Zacc Call and Laura Hadley introduce the topic of season 3, which is investing. They discuss what learning opportunities you will have throughout this season, and the nitty gritty details of kickstarting your investment portfolio. Zacc and Laura discuss: How inflation impacts your...
Nov 14, 2022•28 min
In 1940, the average life expectancy of a 65-year-old was another 14 years, but today, it is over 20 years. This means you will probably need to save more money and better organize your finances as your retirement will most likely last longer than those in the past. In this episode, Zacc Call and Laura Hadley talk with Bart Wagstaff, CFP®, to share how you can start putting your Social Security strategy to work so you can sit back and enjoy your retirement. Bart discusses: How to do a personal a...
Oct 31, 2022•32 min
When people hear the word ‘penalty’, they automatically assume it’s a bad thing. But when it comes to Social Security, that isn’t necessarily the case. In this episode, Matt Johns, CFP®, an employee at Capita Financial Network, discusses Social Security penalties which can help you discover which ones may apply to you in the future. Matt discusses: How he helps people like you discover what amount they can expect from Social Security How financial planners can simplify the complex process of pay...
Oct 17, 2022•29 min
Zacc Call is joined by Tyson Long to give you a quick summary of Capita's Fall 2022 Educational Bootcamp. Listen for highlights from Kurt Brown's market updates, Tyson's overview of the market from this last year, Erik Soderborg's insights on Medicare costs and options, and Zacc's strategies for saving on taxes when doing a personal audit.
Oct 13, 2022•12 min
Benefits can be complex to understand, especially when remarriage or spouse deaths are involved. And by not understanding them in detail, we may miss what we are entitled to get. In this episode, Zacc Call and Laura Hadley chat with Jayson McGinnis, a wealth advisor at Capita Financial Network, to give details regarding divorce, remarriage, and survivor benefits. Additionally, they explain the strategy in which a couple can get divorced to improve their Social Security benefits and then get marr...
Oct 03, 2022•28 min•Season 2Ep. 4
Benefits can be confusing when it comes to knowing what's available and how to get them. For spouses, there are benefits and strategies that not everyone knows about, and once you know them, it's crucial to understand their details to maximize them. In this episode, Michael Littledike, Founder and CEO of Capita Financial Network, talks with Zacc Call and Laura Hadley to help people understand the Social Security spousal benefits and clarify the most common mistakes they see regarding this topic....
Sep 19, 2022•30 min•Season 2Ep. 3
Retirement benefits like Social Security make a world of difference for people in retirement. So how much should you expect to receive from these benefits? And in addition, where does the money from these benefits come from? In this episode, Zacc Call and Laura Hadley dive deeper into the ins and outs of Social Security by explaining how you can estimate how much you will receive, how to maximize your benefit if you are self-employed, how the government accumulates the money in the Social Securi...
Sep 05, 2022•29 min•Season 2Ep. 2
People make a lot of assumptions about Social Security, and unfortunately, this mistake can come back to bite once you are ready to retire. Despite what many might think, you’ll want to learn about Social Security benefits long before you retire and this episode is the perfect place to do just that! In this episode, Tyler Williamson shares his expertise about Social Security and explains how you can avoid some of the common mistakes people make when planning their income before and during retire...
Aug 22, 2022•31 min•Season 2Ep. 1
Now that we have discussed what you need to know as a young investor, we now need to discuss what you need to know as an experienced or wise investor approaching retirement. If you want to know how to retire as early as possible, you’ll want to listen to this episode. In this episode, Zacc Call and Laura Hadley provide professional advice about investing and curating your retirement plan in the later years of life and how you can minimize the time it takes you to retire. Zacc and Laura discuss: ...
Aug 08, 2022•39 min•Season 1Ep. 6
Your age has a large impact on how and when you will plan your income, invest your money, and spend your time. In this episode, Zacc Call and Laura Hadley discuss how individuals aged 25-40 can enhance their income planning strategies and capitalize on the amount of time they have to invest. Zacc and Laura discuss: How to increase your earning power Four ‘financial fires’ that can impact your income Where you can put your next dollar to organize your income And more Resources: The Financial Call...
Jul 25, 2022•1 hr•Season 1Ep. 5
Inflation can heavily impact your retirement plan, so how can you make your retirement funds grow alongside inflation? In this episode, Zacc, Laura, and Tyson Long discuss the impact of inflation on people reaching or in retirement. They also highlight how their team takes downturned markets into consideration when formulating personalized financial plans. Tyson discusses: The concept of risk inflation and how you can prepare for it in retirement The ‘retirement danger zone’ when investing your ...
Jul 11, 2022•1 hr 3 min•Season 1Ep. 4
Pensions aren’t the same for everyone, therefore it is important to organize yours in a way that meets your financial needs and habits. In this episode, Zacc Call, Laura Hadley, and Bart Wagstaff, CFP®, discuss the ins and outs of pensions and go into significant detail about whether you should take the lump sum or monthly pension benefit. Bart discusses: A definition of a required rate of return and how it can be used to your benefit The process of deciding between a lump sum or monthly pension...
Jun 29, 2022•57 min•Season 1Ep. 3
As you accumulate wealth for retirement, inflation brings down the value of your savings and makes it harder for you to retire comfortably. In this episode, Tyler Williamson, a Social Securities expert at Capita, discusses the role of Social Security before and during your retirement. He also answers some commonly asked questions about Social Security and describes how to capitalize on the benefits. Zacc, Laura, and Tyler discuss: The benefits of Social Security and how it affects your retiremen...
Jun 14, 2022•1 hr 11 min•Season 1Ep. 2
The transition into retirement can be spooky. It can leave you nervous thinking about how much money you will need to have in retirement and when it is okay to retire. In this episode, Zacc Call, CFP®, and Laura Hadley explain how to manage your portfolio withdrawals. They also share the importance of taking the right percentage of your investments out each year and how it can affect your retirement plan. Zacc and Laura discuss: What discussions you can look forward to in the coming episodes Dis...
Jun 14, 2022•33 min•Season 1Ep. 1
Now it's time to learn what you don’t know about Laura Hadley, a wealth advisor at Capita Financial Network and your co-host of the show. In this episode of The Financial Call, Shannon Lundberg interviews Laura Hadley, to get to know who you will be on this journey down the guided path. Laura shares who and what has influenced her along her journey of being a wealth advisor. Laura discusses: Her unique journey of working at Capita Two of her favorite trips she has ever taken Her biggest pet peev...
Jun 13, 2022•23 min
If you haven’t already met Zacc Call, the president at Capita Financial Network now is your opportunity to, in a lighthearted way. In this episode of The Financial Call, Shannon Lundberg interviews Zacc Call, CFP®, to get to know him on a more personal level. Zacc shares past stories you may not have heard before, and he also highlights some of his goals, and a definition of success in his field. Zacc discusses: How he started working at Capita One thing he would like to be remembered for How hi...
Jun 13, 2022•31 min
Financial advice and discussions can sometimes sound like an entirely different language. In this episode of The Financial Call, Zacc Call and Laura Hadley will help you understand the guided path and its purpose no matter where you are with your financial knowledge. Zacc and Laura discuss: How their show will help you on your path to financial literacy and success Their main mission to guide you through the financial planning advice How the guided path is laid out And more Connect With Capita F...
Jun 13, 2022•10 min
Zacc & Luke give newbies a basic understanding of crypto. They explain the good and the bad about the crypto ETFs that are currently available.
Nov 19, 2021•58 min•Ep. 57
The quarterly market recap and insights was totally different than previous quarters. Kurt Brown of Townsquare Capital and Zacc discussed analyzing tax returns, crypto-currency, tech stocks, bubbles, valuations, portfolio turnover, tax-loss harvesting, and more.
Apr 20, 2021•1 hr 1 min•Ep. 56
Don't get stuck with an unexpected surprise around tax time. You may be left with a large tax bill after selling your home. There are three main types: 1. Your primary residence. 2. A second home. 3. A rental property. Each of these has different tax rules and rates. Zacc explains all three scenarios using real examples from his own life.
Apr 02, 2021•39 min•Ep. 55
