Welcome to the 9Innings Podcast where we Educate, Empower and Engage.

ON THIS WEEKS PODCAST: Kevin describes why he decided to open his own RIA, and what lead to his move. He also talks about what he discovered after the move was made, and talk some "Fact vs Fiction". Companies will often make you feel as if you cannot live without them, Kevin takes you on his journey and why that "may" not be true. Website: http://www.9icapitalgroup.com

Welcome to the 9Innings Podcast where we Educate, Empower and Engage.

ON THIS WEEKS PODCAST: In this episode of 9innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, explores the rising costs of homeowner’s insurance, focusing on Texas but noting nationwide trends. He explains why premiums and deductibles—especially for wind and hail—are increasing, often based on inflated home replacement values. Kevin shares personal policy details, highlights the financial strain on homeowners, and discusses the lack of true competition in the insurance market. He urges listeners to shop around, be proactive, and understand the broader affordability challenges facing both homeowners and renters today.

Rising Homeowner’s Insurance and Deductibles (00:01:05)

Replacement Value vs. Tax Base (00:02:25)

Escrow, Mortgage Payments, and Cost Increases (00:03:32)

Financing High Deductibles (00:04:35)

Wind and Hail Deductible Trends in Texas (00:06:53)

Personal Policy Example and Financial Impact (00:08:18)

Insurance Market Competition and Lobbying (00:11:03)

Market Structure and Profits (00:13:25)

NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page

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Website: http://www.9icapitalgroup.com

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Corrections: Editing by http://SwoleNerdProductions.com

Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, breaks down how to properly interview a financial advisor before entering a long-term relationship.

Kevin highlights the most common mistake he sees, clients not knowing what questions to ask, and walks through a practical framework covering tax advice, compensation, onboarding, specialties, and overall client fit.

The conversation focuses on transparency, alignment, and how to recognize red flags early, so investors can avoid costly mistakes and make confident, informed decisions.

The goal is simple: empower listeners to choose the right advisor and build a successful advisor-client relationship. Kevin wraps by inviting listener questions and sharing additional resources for deeper learning on the topic.

The Problem with Interviewing Advisors (00:00:57)

Why Proper Interviewing Matters (00:02:21)

Who Does the Advisor Work For? (00:05:35)

Understanding the Onboarding Process (00:06:55)

Advisor Specialties, Credentials, and Ideal Client Profile (00:08:38)

What Good Answers and Red Flags Look Like (00:09:52)

Empowerment and Closing Remarks (00:11:10)

NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page

Follow Us: youtube: / @9icap

Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428

facebook: / mlb2cfp

Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4

Website: http://www.9icapitalgroup.com

Hit the subscribe button to get new content notifications.

Corrections: Editing by http://SwoleNerdProductions.com

Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of "The 9innings Podcast," host Kevin Thompson and guest Sarah Grillo discuss the ongoing debate over fee structures in financial advising, focusing on flat fee versus assets under management (AUM) models. They explore the importance of transparency, fairness, and client communication, highlighting how different models impact advisor incentives and client relationships. Sarah shares insights from her Transparency Movement, while both agree that building trust and adapting to client needs are key. The episode emphasizes that multiple fee models can coexist, and success depends on clear communication, transparency, and a client-centered approach.

Fee Model Polarization Explained (00:04:56)

Fairness and Service Alignment in Fee Models (00:07:42)

Competitive Advantage Through Transparency (00:12:57)

Multiple Business Models in Practice (00:16:37)

Defining Best Interest and Flat Fee Variations (00:19:26)

Addressing Conflicts of Interest (00:21:12)

Sustainability and Capitalism in Fee Models (00:26:09)

Entrepreneurship and Social Media Echo Chambers (00:31:18)

Final Thoughts: Market Decides & Relationship Building (00:33:36)

NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page

Follow Us: youtube: / @9icap

Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428

facebook: / mlb2cfp

Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4

Website: http://www.9icapitalgroup.com

Hit the subscribe button to get new content notifications.

Corrections: Editing by http://SwoleNerdProductions.com

Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9Innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, breaks down the most important financial planning considerations retirees need to understand heading into 2026. Kevin explains key tax changes, including the Enhanced Senior Deduction and the new above-the-line auto loan interest deduction, and outlines strategies for maximizing the standard deduction. He also discusses rising Medicare premiums, IRMAA exposure, and how to evaluate Medicare Advantage versus Original Medicare with Medigap. Throughout the episode, Kevin emphasizes proactive planning to manage taxes and healthcare costs, helping retirees make informed decisions and protect long-term retirement income.

Enhanced Senior Deduction (00:01:07)

Above-the-Line Car Loan Interest Deduction (00:03:12)

Stacking Deductions and Standard Deduction Planning (00:04:21)

Medicare Premiums and IRMAA (00:05:31)

IRMAA Triggers and Tax Coordination (00:07:55)

Medicare Advantage vs. Original Medicare (00:08:52)

Medigap and Underwriting Considerations (00:10:39)

NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page

Follow Us: youtube: / @9icap

Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428

facebook: / mlb2cfp

Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4

Website: http://www.9icapitalgroup.com

Hit the subscribe button to get new content notifications.

Corrections: Editing by http://SwoleNerdProductions.com

Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9innings Podcast, host Kevin Thompson sits down with Chelsea Ransom-Cooper — CFP Board member and wealth advisor — to discuss her path in the financial advisory world. Chelsea opens up about her partnership with Jason Ray, the challenges of launching her own firm, and the significance of representation and the CFP® designation. The two dive into the realities of entrepreneurship, client relationship building, and the changing landscape of financial planning — offering insight and inspiration for both aspiring and seasoned advisors.

Chelsea & Jason Ray: How They Met (00:01:51)

Building the Partnership & Early Career Moves (00:03:33)

The Value and Evolution of the CFP (00:06:24)

First Steps as an Entrepreneur (00:13:02)

Role as a CFP Board Ambassador (00:17:54)

Advice for Young Advisors (00:22:25)

Final Words of Wisdom & Closing (00:26:03)

NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page

Follow Us: youtube: / @9icap

Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428

facebook: / mlb2cfp Buy MLB2CFP

Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4

Website: http://www.9icapitalgroup.com

Hit the subscribe button to get new content notifications.

Corrections: Editing by http://SwoleNerdProductions.com

Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode, we interview Paul Morrison, an IRMAA-certified planner from Lincoln, Nebraska. They discuss the impact of IRMAA (Income Related Monthly Adjustment Amount) on retirees’ Medicare premiums and Social Security benefits, highlighting how rising taxable income can trigger higher costs. Paul explains the complexities of IRMAA, the importance of proactive tax planning, and strategies like Roth conversions to minimize surcharges. The conversation also covers Medicare Advantage, the “widow’s penalty,” and the need for better financial education. The episode blends personal stories with practical advice for navigating retirement’s hidden tax challenges.

(03:25) – From College Athletes to Retirees

(04:10) – What Is IRMAA?

(06:00) – The Tax Trigger

(10:20) – How the Brackets Are Set

(13:40) – Tax Planning & the SSA-44 Form

(19:45) – Medicare Advantage & IRMAA

(23:15) – Strategies to Reduce IRMAA

(25:55) – The Widow’s Penalty

(29:06) - Long-Term Care, RMDs, and IRMA

(31:21) - IRMA Certification Details

(34:57) - Roth Conversions and Standard Deduction

NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page

Follow Us: youtube: / @9icap

Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428

facebook: / mlb2cfp

Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4

Website: http://www.9icapitalgroup.com

Hit the subscribe button to get new content notifications.

Corrections: Editing by http://SwoleNerdProductions.com

Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9Innings Podcast, I break down the hidden tax traps inside your 401(k). Most people think pre-tax contributions are an automatic win—but the tax bill eventually comes due. We walk through how RMDs, rollover mistakes, and poor documentation can trigger unexpected taxes, higher Medicare premiums, and even push more of your Social Security into the taxable column.

I also share real-life examples of how a simple error—like a tax professional misreporting Form 8606 basis—can cost retirees thousands. This episode is all about avoiding land mines: understanding IRS rules, tracking your paperwork, and being proactive so you can keep more of what you’ve earned.

(00:00:00) Introduction & Why 401(k)s Create Hidden Tax Traps

(00:00:58) Pre-Tax Contributions & The Future Tax Bill

(00:03:46) RMD Shock: How Distributions Raise Taxes & Medicare Premiums

(00:06:16) The Rollover Minefield: After-Tax vs. Pre-Tax vs. Roth

(00:07:38) Real Case Study: The Form 8606 Basis Error

(00:12:39) The Widow’s Penalty & Timing Risks in Retirement

(00:14:54) How to Avoid 401(k) Tax Traps

NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page

Follow Us: youtube: / @9icap

Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428

facebook: / mlb2cfp

Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4

Website: http://www.9icapitalgroup.com

Hit the subscribe button to get new content notifications.

Corrections: Editing by http://SwoleNerdProductions.com

Disclosure: https://sites.google.com/view/9idisclosure/disclosure