Protecting & Preserving Wealth
In the Protecting & Preserving Wealth podcast, Bruce Hosler discusses and provides timely answers to important topics for our listeners: • Tax Reduction Strategies • Financial & Estate Planning • Investment Management • Retirement Planning • Insurance Strategies • Business Owner Exit-Planning Strategies • Current Events and their Market Effects We started the podcast because a number of clients have questions, and this is a way for us to give them a venue to listen to different answers on all the things they're concerned about today. First and foremost, foundationally, for most people, taxes are a very important thing. We always start with taxes and then we go from there and work on financial planning issues like retirement. Am I going to have enough? How am I going to leave my stuff to my legacy, to my kids and family? In estate planning, we include asset management because everybody wants to know where their money's invested and how safe and how protected it can be. And how can it grow in the face of this inflation that we're facing today. And finally, we use insurance strategies to make sure that when the moment of truth arrives, everything's okay for the family. Throughout this podcast, we're going to meet the Hosler team and how each of them plays a role in securing your financial future. Hosler Wealth Management can be reached in their Prescott office at (928) 778-7666, in their Scottsdale office at (480) 994-7342, or on the web at https://www.hoslerwm.com/. Disclosure: Investment advisory services are offered through Mutual Advisors, LLC DBA Hosler Wealth Management, a SEC registered investment adviser. Securities are offered through Mutual Securities, Inc., member FINRA/SIPC. Mutual Advisors, LLC and Mutual Securities, Inc. (collectively “Mutual Group”) are affiliated companies. Forward-looking commentary should not be misconstrued as investment or financial advice. The advisor associated with this podcast is not monitored for comments and any comments should be given directly to the office at the contact information specified. Any tax advice contained in this communication, including any attachments, is not intended or written to be used and cannot be used for the purpose of 1) avoiding federal or state tax penalties, 2) promoting marketing or recommending to another party any transaction or matter addressed herein, and 3) Tax preparation and accounting services are offered independently through Hosler Wealth Management Tax Services. Any tax advice provided by tax professionals under Hosler Wealth Management Tax Services is separate and unrelated to any advisory or security services offered through Mutual Group. The accuracy, completeness, and timeliness of the information contained in this podcast cannot be guaranteed. Mutual Group does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation. Accordingly, Hosler Wealth Management does not warranty, guarantee or make any representations or assume any liability with regard to financial results based on the use of the information in this podcast. Protecting & Preserving Wealth (podcast) is owned and produced by Hosler Wealth Management Prescott Office: 700 S Montezuma St Prescott, AZ 86303 Tel. (928) 778-7666 Scottsdale Office: 7400 E Pinnacle Peak Rd Suite #100 Scottsdale, AZ 85255 Tel. (480) 994-7342 #HoslerWealthManagement #Protecting&PreservingWealthPodcast #BruceHosler #ProtectingWealthPodcast
Episodes
In Episode 85 of Protecting and Preserving Wealth, we continue the conversation about the widow’s penalty and how it can affect a surviving spouse after the death of a husband. The key issue is not that the widow’s income necessarily increases. It is that her tax status changes. While married, a couple can file jointly and benefit from wider tax brackets. After the year of death, the surviving spouse usually files as single. That c...
In this episode, we introduce the concept of "the widow’s penalty" and explain why it is one of the most important, yet often overlooked, risks in retirement and estate planning. We focus primarily on taxes, income loss, and preparedness for surviving spouses, who are most often women. We begin by explaining that while couples are alive and filing taxes as married filing jointly, they benefit from significantly wider tax brackets. ...
In this episode of Protecting & Preserving Wealth, we focus on estate planning—specifically, how often it is overlooked or improperly handled, and how good intentions can still lead to serious financial, tax, and family consequences. We walk through a real-life case involving a family that believed they had things mostly in order, only to discover after a parent’s death that the lack of proper planning created irreversible problems...
Now that we are into 2026, we take a deep dive into several critical changes in tax law that will affect financial planning, estate strategy, and retirement contributions. At Hosler Wealth Management, taxes are a core focus of our work, and this episode unpacks the nuances and planning opportunities within four major updates.
📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k
We begin with the One Big, Beau...
In this episode of Protecting and Preserving Wealth, we dive into key updates around Qualified Charitable Distributions (QCDs) for 2026. QCDs allow individuals age 70½ and older to make direct charitable donations from their IRA accounts, and this episode is especially relevant for clients looking to manage taxes effectively while giving charitably.
📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k
⏱️ Chap...
In this episode, we explore the upcoming Trump Accounts and what they could mean for American families. These accounts, born from the OBBBA legislation, will officially launch on July 4, 2026. Children born between January 1, 2025, and December 31, 2028, will automatically receive a $1,000 federal contribution into their Trump Account. But the scope is much broader—children under 18 will also be eligible to have these accounts open...
In this episode, we explore the expanded flexibility and potential of 529 plans in light of recent legislative changes. We begin with a refresher on how 529s have traditionally been used to fund college expenses, but quickly shift to how these accounts now offer broader applications thanks to evolving tax law, including updates from the Tax Cuts and Jobs Act, the SECURE Act 2.0, and the newly enacted One Big Beautiful Bill Act (OBB...
In this episode, we dive into a growing concern for high-net-worth families: the impact of the $38 trillion national debt on future taxes, estate planning, and wealth preservation. We don’t dwell in fear — instead, we focus on smart, proactive steps that affluent individuals and families can take now while tax rates are still historically low.
📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k
⏱️ Chapters & T...
In this episode, we tackle the reality of structurally higher interest rates and how they impact wealthy retirees. For years, investors operated under the assumption that rates would always return to near zero. That mindset no longer works. With federal debt now surpassing $38 trillion, persistent deficits, and political gridlock, rates are likely to remain elevated for the foreseeable future. We look at how this shift creates both...
In this episode, we continue our conversation about stablecoins and explore how they’re positioned to revolutionize the financial system. If you haven’t listened to part one, we strongly recommend going back for the foundational context. Today, we shift from theory to real-world applications, diving into the impact of stablecoins on everyday transactions, the infrastructure being developed around them, and the growing intersection ...
In this episode of Protecting and Preserving Wealth, we dive into the rapidly evolving world of stablecoins and why they matter for the future of digital finance. Bruce and Jason Hosler break down what stablecoins are, how they differ from other cryptocurrencies, and why the recently passed GENIUS Act is a game-changer for the space.
We begin by clarifying that stablecoins aren't just another cryptocurrency. Unlike cryptocurrencies,...
In this episode of Protecting and Preserving Wealth, we continue our deep dive into reverse mortgages, focusing on the truths and misconceptions surrounding them. We pick up where we left off with Rob Kanyur of Fairway Mortgage, digging into the tax implications of reverse mortgages — an area Bruce is particularly passionate about.
📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k
⏱️Chapters & What You'll L...
In this episode of Protecting and Preserving Wealth, we sit down with Rob Kanyur, a reverse mortgage expert from Fairway Mortgage, to break down the facts, misconceptions, and real benefits of using reverse mortgages as a strategic financial planning tool in retirement. Bruce Hosler opens the conversation by reminding us how reverse mortgages have evolved and highlights updates since he first wrote about them in his book Moving to ...
https://amzn.to/4msRo2kIn this episode, we unpack the real story behind the bold headline “No Tax on Social Security,” as introduced in the One Big, Beautiful Bill Act (OBBBA). While the name suggests a total elimination of taxes on Social Security, we clarify that the bill actually introduces a new “Senior Deduction” rather than exempting Social Security benefits entirely from taxation. It’s important to understand that Social Sec...
In this episode of Protecting and Preserving Wealth, we dive into key updates from the Ed Slott Master Elite IRA Advisors Conference, focusing on critical tax changes and planning pitfalls that impact retirees and IRA holders. Bruce Hosler shares his takeaways after nearly two decades of attending these elite sessions. We break down three essential areas that our listeners need to understand heading into the 2025 tax season.
In this episode of Protecting and Preserving Wealth, we explore the most compelling investment themes we see emerging for 2025. Together, we identify ten major growth areas—what Bruce calls “green shoots”—that signal new and transformative opportunities across sectors like crypto, AI, energy, and biotech.
📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k
⏱️Chapters & What You'll Learn
(00:00) – Intro & Overvi...
In this episode of Protecting & Preserving Wealth, we continue our discussion on the financial and tax implications of selling real estate, shifting focus from primary residences to second homes and rental properties. We open by clarifying the IRS guidelines for determining a primary versus secondary home. The key factor is where the majority of the year is spent, and that’s verified through documents like driver’s licenses and uti...
In this episode of Protecting and Preserving Wealth, we kick off a two-part series on the real estate sale process by focusing on selling a primary or principal residence. We explore what homeowners need to consider—from title and tax implications to planning strategies and insurance coverage—with insights from Bruce and Jason Hosler of Hosler Wealth Management.
📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://www.amazon....
📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://www.amazon.com/dp/B0CY2XP8CD
In this final installment of our estate and legacy planning series, we dive deep into the two-generation tax-free legacy plan—a strategy Bruce designed to help families with $2 million or more in investable assets leave behind a financially secure, tax-efficient inheritance. Bruce and Jason Hosler explore how this plan offers both control and p...
In this episode of Protecting and Preserving Wealth, we continue our estate and legacy planning series by focusing on charitable giving and charitable legacies. Charitable giving occurs during one’s lifetime, while a charitable legacy ensures that assets are left to charitable organizations after death. Understanding the right tools and strategies can maximize benefits for both the donor and the recipient.
⏱️Chapters & What You’ll L...
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