Is the average American household finally catching up—or falling further behind?

With new tariffs on the horizon, inflation data shifting, and the real cost of daily life rising, Hannah Chapman, CFP®, APMA®, CRPC®, and Brad Haines, CFA®, FRM, and CIO of Juncture Wealth Strategies, break down the economic forces shaping your financial future.

This episode covers what's happening behind the scenes with wages, purchasing power, and investment strategy in a volatile summer market.

Key Themes & Takeaways:

• Why summer market trading is more volatile and thinly traded
  
  

• The three types of tariffs impacting consumer prices and operating margins
  
  

• What "truflation" data shows about real-time inflation (currently at 1.9%)
  
  

• How tariffs on copper, aluminum, and imported goods could affect household budgets
  
  

• Real household income trends from 1984 to today—are we catching up yet?
  
  

• Wage growth vs. inflation since 2021 and why purchasing power still lags
  
  

• The role of consistent investing in breaking the boom-bust income cycle
  
  

• Mindset shifts for building long-term financial resilience
  
  

• Why “unsexy” dividend stocks may be one of the smartest plays right now
  
  

• Time in the market vs. timing the market: a core financial planning truth
  
  

Connect with Brad here:

Website: https://www.juncturewealth.com

Email: bhaines@juncturewealth.com

Connect with Hannah here:

X² Wealth Planning Website: https://x2wealthplanning.com/

Expansive CEO: https://expansiveceo.com/

Hannah's Website: https://hannahrchapman.com/

Instagram: https://www.instagram.com/hannah.chapman.cfp

Facebook: https://www.facebook.com/hannahchapmanfinancialadvisor/

LinkedIn: https://www.linkedin.com/in/hannahrchapman/

What's the real cost of America's rising debt—and how will it impact your taxes?

In this solo Investment Friday episode, Hannah Chapman, CFP®, APMA®, CRPC®, unpacks the 2025 U.S. budget bill and the growing national deficit in a way that directly connects to your wallet and your future.

With federal debt projections soaring and interest rates still in flux, Hannah explains why proactive tax strategy—especially using Roth IRAs and Roth 401(k)s—may be the smartest path to long-term financial independence.

Learn more:

• Impact of the 2025 budget bill on U.S. national debt and deficit

• Why higher future taxes are likely—and what that means for your investments

• Strategic differences between Roth and traditional retirement accounts

• How required minimum distributions (RMDs) can affect your financial plan

• Case studies and real-world examples of missed Roth opportunities

Connect with Hannah:

X² Wealth Planning Website: https://x2wealthplanning.com/

Expansive CEO: https://expansiveceo.com/

Hannah's Website: https://hannahrchapman.com/

Instagram: https://www.instagram.com/hannah.chapman.cfp

Facebook: https://www.facebook.com/hannahchapmanfinancialadvisor/

LinkedIn: https://www.linkedin.com/in/hannahrchapman/

What if one unexpected expense—or one slow-paying client—could jeopardize your entire business? For too many entrepreneurs, that's the reality.

In this episode of the Expansive CEO Podcast, we're diving deep into the real reasons small businesses fail—not because the owner lacked vision or passion, but because of cash flow challenges and missing knowledge around business credit.

In this episode, Hannah Chapman, CFP®, APMA®, CRPC® talks to Geoff Suval, President and Managing Director at Xceleran Business Funding Solutions, about a step-by-step breakdown of how to become truly bankable.

From separating your personal and business credit to building a powerful foundation for long-term funding access, Geoff brings clarity, compassion, and real solutions to a topic too often overlooked.

Key Themes Explored:

• Why 82% of small businesses cite cash flow problems as the main reason for failure
  

• The four essential “legs” of a bankable business
  

• The major risks of personally guaranteeing business debt
  

• How to build business credit that's truly separate from your personal credit
  

• The long-term value of bankability for succession and successful business exits
  

Connect with Jeff:

LinkedIn: https://www.linkedin.com/in/geoffsuval/

Facebook: https://www.facebook.com/geoff.suval.1/

Connect with Hannah:

X² Wealth Planning Website: https://x2wealthplanning.com/

Expansive CEO: https://expansiveceo.com/

Hannah's Website: https://hannahrchapman.com/

Instagram: https://www.instagram.com/hannah.chapman.cfp

Facebook: https://www.facebook.com/hannahchapmanfinancialadvisor/

LinkedIn: https://www.linkedin.com/in/hannahrchapman/