Unsolicited

🎙️ It’s Annuity Awareness Month… or at least it was when we hit record.
In this episode of Unsolicited, we dive into the world of annuities—yes, all of them. From immediate and fixed annuities to MYGAs, variable annuities, and fixed indexed annuities, we break down what they are, how they work, and where the confusion often begins.

We don’t sugarcoat it. You’ll hear the good, the bad, and the “what were they thinking?” of annu...

In this episode of Unsolicited, Keith Wilson and Anthony Ruffalo break down the often misunderstood world of RSUs—Restricted Stock Units—and what equity compensation means for executives and employees alike.

We walk through the three key events every RSU holder needs to understand: grant, vest, and pay—and how each impacts your taxes and planning. Then we tackle the big question: Should you sell or hold? The answer, as always, depen...

We dive into the world of 529 college savings plans, exploring their tax advantages, flexibility, and potential for creating generational wealth. This educational episode clarifies common misconceptions and provides practical advice for families considering this powerful financial tool.

• 529 plans offer tax-free growth when used for qualified educational expenses
• Qualified expenses now include K-12 tuition, student ...

What happens when your broker-dealer is owned by an insurance company? You guessed it—suddenly, your “financial plan” starts looking suspiciously like a life insurance sales pitch.

In this episode of Unsolicited, we unpack the inherent conflict of interest in insurance-based broker-dealers and why it’s tough to promote real financial planning when you're expected to sell proprietary products. (Spoiler: It’s not ideal for client...

In this episode of Unsolicited, Keith and Anthony take a walk down memory lane—sharing personal stories, financial missteps, and hard-earned lessons from their 20s, 30s, 40s, 50s, and 60s. Whether you're just getting started or staring down retirement, this episode is packed with practical tips, timeless advice, and a few laughs along the way.

We talk about:

• What we wish we knew in our 20s
• The pressure and pivot points of you...

When? Where? What? How? Why?
No, this isn’t a grammar lesson—it's how we start building your retirement plan.

In this episode of Unsolicited Podcast, Me and Anthony Ruffalo dig into the real questions that matter when planning for retirement. It’s not just about the numbers. It’s about your life.

When do you want to retire?

Where are you now financially?

What does retirement even look li...

In this episode of The Plan: Unsolicited, Keith and Anthony go off-script for a rapid-fire Q&A—sharing real stories, honest reflections, and practical insights from years of working with clients.

We’re answering questions like:
 💥 Is investing easier or harder for younger people today?
 💥 What’s the hardest thing we've ever had to tell a client?
 💥 Are we scared of a stock market crash?

This one’s fast-pa...

You’ve spent decades building your 401(k), and now it’s time to enjoy the fruits of your labor. But how do you make sure your money lasts while maximizing your retirement lifestyle? In this episode, Keith Wilson and Anthony Ruffalo break down the 401(k) distribution phase, walking through a hypothetical scenario of a 65-year-old retiree with $3 million saved.

We explore:
 💰A 5% withdrawal rate & a 6.9% Return – What do thes...

After years of diligent saving, strategic investing, and navigating the ups and downs of your career, there comes a moment when your 401(k) and overall wealth reach a tipping point—an inflection point where your accumulated assets start working harder for you than your new contributions. In this episode of The Plan, we explore how this moment unfolds, why your personal finances get stronger with each raise and promotion, and how, o...