Protecting & Preserving Wealth

Protecting & Preserving Wealth

Hosler Wealth Management consists of tax accountants, financial planners, and investment advisors. The benefit to our clients is it's all together combined in one office. 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, LLC 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/. Securities and advisory services offered through Commonwealth Financial Network®, Member www.FINRA.org/www.SIPC.org, a Registered Investment Adviser. This communication is strictly intended for individuals residing in AK, AZ, CA, CO, FL, GA, HI, ID, IL, MA, ME, NE, NJ, NM, NV, OH, TX, UT, VA, WA, WI. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding products and services. Forward-looking commentary should not be misconstrued as investment or financial advice. The advisor associated with this podcast does not monitor for comments and any comments should be given directly to the office at the contact information specified. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. 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 (i) avoiding Federal or State tax penalties or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein. The accuracy, completeness, and timeliness of the information contained in this podcast cannot be guaranteed. Accordingly, Hosler Wealth Management, LLC 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. Limitation of Liability Disclosures: https://www.hoslerwm.com/disclosures/#socialmedia Protecting & Preserving Wealth (podcast) is owned and produced by Hosler Wealth Management, LLC 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 © 2022 Hosler Wealth Management, LLC, All Rights Reserved

Episodes

September 21, 2022 12 min

In 2019, the US Government passed the SECURE Act, and one of the most significant ramifications was on what's known as the stretch IRA. Many people who inherit an IRA, now have a ten-year window to withdraw those funds. Previously there was no time restraint.

There are five classes of individuals who have a different rulebook to play by - known as Eligible Designated Beneficiaries, or EDBs. Bruce explains who they are and what s...

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The name of our podcast is "Protecting and Preserving Wealth."  But what exactly are we protecting our wealth from?  Today, Bruce Hosler of Hosler Wealth Management sits down with Jon Gay to explain:

  • Taxes
  • Inflation
  • Financial and Estate Planning Mistakes
  • Client Mistakes
  • Poor Investment Management
  • Bruce explains how he and his team are uniquely qualified to help you in each of these areas, thanks to their professional training and...

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    Today, Bruce Hosler of Hosler Wealth Management sits down with Jon Gay to talk about the "5-year rule" regarding Roth IRA and Roth 401K accounts. These rules are in place to encourage investors not to withdraw from their Roth accounts before age 59 1/2.  And if these rules aren't followed, they can result in stiff tax penalties!

    Bruce explains:

  • When the clock starts on the 5-year rule
  • The difference between a qualified and...
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    Today's topic is demand destruction.  Essentially, it's when the government tries to slow demand to curb inflation.  Bruce Hosler walks us through what that means.  All information is accurate as of our recording date, June 23, 2022.

    The federal reserve doesn't necessarily want a recession, but it's a fine line between demand destruction and avoiding one.

    As of today's recording, we don't yet know if we are in...

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    Today, Bruce Hosler of Hosler Wealth Management talks about converting your IRA into a Roth IRA, and why a market dip is a good time to do so.

    First, Bruce and Jon go over requirements for these conversions, such as deadlines and how required minimum distributions, or RMD's, come into play. 

    When markets are down, stocks and taxes are "on sale." They are often below fair value. So a conversion in a down market means payin...

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    Today, Bruce Hosler and Jon are talking about interest rates.  They've been on the rise in 2022, but how high will they go?

    How high does the fed want to raise the Fed Funds Rate?

    How long will the fed keep raising interest rates?

    What will cause the Fed to stop raising interest rates?

    Is a recession coming?

    How will higher interest rates affect businesses?

    Is there any good news with higher interest rates?

    What about our national deb...

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    June 22, 2022 14 min

    In today's episode, Bruce Hosler of Hosler Wealth Management sits down with Jon Gay to talk about the one topic on everyone's mind in 2022 - INFLATION.

    What is causing this inflation? 

  • Demand/Supply imbalance
  • More money chasing less products. (Supply chain)
  • Shortages of availability (Housing)
  • What is Demand Destruction?

  • Higher mortgage interest rates (Already reports of sellers lowering their asking prices)
  • Higher gas prices (Less...
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    June 8, 2022 13 min

    One of the most common questions Bruce Hosler and the team at Hosler Wealth Management are asked: "Will taxes go up or down?"  And while we don't have a crystal ball, there are some pretty strong indications that taxes are going to go up.

    First, the 2017 Tax Cuts and Jobs Act, without any intervention from Congress, will sunset in 2025, returning all tax rates to their previous, higher levels.

    Next, our national debt sits...

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    May 25, 2022 12 min

    In our first episode, Bruce Hosler of Hosler Wealth Management sits down with co-host Jon Gay to explain the term "tax free."  What does it really mean?

    When you're looking at retirement income, you don't want that income to be taxed at the federal or state level.  Furthermore, you don't want it to count as provisional income against your social security.  

    Bruce takes us through some different vehicles he and his...

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    May 11, 2022 2 min

    Hosler Wealth Management consists of tax accountants, financial planners, and investment advisors. The benefit to our clients is it's all together combined in one office. 

    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 ...

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