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Unlock the secrets to preserving your financial legacy without getting caught in the taxman's net, as I, Aaron Hoisington, team up with Ryan Nelson, the financial maestro from Alchemy Wealth Management, on the latest Fiscal Physical Podcast. We're going beyond the headlines to bring you a crystal-clear breakdown of the annual gift tax exclusion and estate tax intricacies which, trust me, are anything but dry when your hard-earned wealth is on the line. Ryan's expertise turns the daunting into the doable, ensuring you're clued in on how to bestow $18,000 tax-free gifts per person per year, and how to navigate the $13.6 million estate tax threshold without a hitch.

Ever wondered how your entire net worth could be affected by estate taxes after you've bid farewell to this world? We're discussing the nitty-gritty of what counts, what's exempt, and why Benjamin Franklin's eternal words on death and taxes remain so darn relatable. This episode isn't just about number-crunching; it’s a treasure trove of historical trivia and a call to action for financial enlightenment. Whether you're a grandparent with a giving heart or simply savvy about safeguarding your estate, our enlightening chat is the key to mastering these crucial financial maneuvers.

Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

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Unlock the secrets of long-term capital gains with our financial whiz Ryan Nelson from Alchemy Wealth Management, and ease the mystery around your investment taxes. We'll walk you through the different tax rates for various income levels, especially for married couples filing jointly, and show you how to optimize your portfolio for tax efficiency. With Ryan's expertise, we dissect the ins and outs of long-term capital gains, comparing them to regular income, and revealing why timing is everything when it comes to holding your investments.

This week's conversation isn't just about numbers; we infuse a little flavor into the fiscal chat with personal stories, like the art of home winemaking. While we navigate the complexities of brokerage versus retirement accounts, like Roth IRAs and 401(k)s, we also remember to toast to the joys of life beyond the balance sheet. So, pour yourself a glass of your favorite vintage and join us as we blend professional insights with personal passions, all to help you craft a more fruitful financial future.

Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

And, as always, STAY THE COURSE!

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Understand the secret sauce behind the U.S. tax system as we sit down with Ryan Nelson, the financial wizard from Alchemy Wealth Management and the brains behind "Your Fiscal Physical." We're unlocking the real story on tax brackets, dispelling myths left and right, and teaching you how your hard-earned dollars fill up the tax "buckets" one by one. You'll walk away from this conversation with the kind of knowledge that turns a daunting tax code into a series of manageable steps that could even play to your advantage when you know the ropes.

Our chat with Ryan doesn't just stop at tax brackets; we're also tackling the big questions on financial education and how it trumps the daily news churn. By sidestepping the noise and focusing on evergreen wisdom, we learn how staying savvy about finances can impact everything from your eligibility for electric vehicle credits to your overall fiscal health. So, pull up a chair and let's get financially literate together – because when it comes to your money, knowledge isn't just power, it's profit.

Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

And, as always, STAY THE COURSE!

Send us a Text Message.

Have you ever found yourself at a career crossroads, pondering the fate of your 401(k) and feeling lost in the sea of financial decisions? Fear not, as we've summoned the wisdom of Ryan Nelson from Alchemy Wealth Management to navigate these choppy waters. Together with my co-host, Aaron Hoisinton, we dissect the maze of options that lie before you when you bid farewell to your employer. From cashing out (beware the tax beast!) to the ease of leaving funds put or the strategic move of merging with a new job's plan, we scrutinize each path and its impact on your financial future. And if you're craving investment variety, we spill the secrets on how an IRA could be your ticket to a diversified portfolio.

Then, we shift gears and hone in on the nitty-gritty of retirement account rollovers. Do you bet on the new employer to shield you from those sneaky 401(k) fees, or could an IRA offer you the investment smorgasbord you've been dreaming of? As Ryan shares his expertise, we examine how your choice between a 401(k) and an IRA can be a game-changer for your financial tactics, spotlighting the implications for Roth conversions and those elusive backdoor contributions. We've armed you with the insights to make an informed decision that aligns with your financial aspirations. So tune in, and let's chart a course to a retirement plan that's as tailored to you as your favorite suit.

Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

And, as always, STAY THE COURSE!

Send us a Text Message.

Unlock the secrets of savvy asset placement with financial wizard Ryan Nelson as we tackle the big questions about investment strategies and tax efficiency. Prepare to navigate the complex world of Roth IRAs, traditional IRAs, and brokerage accounts as we reveal how the right choices can lead to substantial tax savings and optimal growth. It's not just about where you invest, but how and where you place those investments that can make a monumental difference to your financial future. We're busting myths left and right, especially when it comes to dividends in retirement, arming you with the knowledge to make investments that truly work for you.

Step into a realm where financial independence isn't just a dream, but a bespoke reality tailored to your deepest passions and desires. Together with Ryan, we dissect the layers of financial freedom, showing it's not about the size of your wealth but the power to make life choices without monetary constraints. We draw inspiration from the likes of Peter Thiel to illustrate the transformative power of strategic asset placement. Whether it's attending the Super Bowl without a second thought about the cost, or simply choosing to work on your own terms, we're here to guide you towards a life where financial literacy isn't just a tool—it's the key to unlocking a world where your finance is as free as your spirit.

Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

And, as always, STAY THE COURSE!

Send us a Text Message.

Get ready to unravel the mysteries of mutual funds and ETFs with the guidance of Ryan Nelson from Alchemy Wealth Management. This week's episode is a treasure trove of insights, where Ryan dissects the intricacies behind each investment vehicle – from the initial buy-in hurdles to the nitty-gritty of cost discrepancies. Whether you're a seasoned investor or just dipping your toes into the financial waters, you'll emerge with a clearer vision of how these options could fit into your portfolio. And for those caught in the throes of market volatility, Ryan's explanation of trading mechanics is nothing short of a strategic compass.

Our conversation with Ryan takes an unexpected turn into the philosophical realm of chance versus skill in active and passive investment strategies. Ever questioned the legitimacy of past performance as a beacon for future gains? Prepare for an intellectual spar that dives into the essence of probability in finance. But it's not all serious business – we keep the energy buoyant with personal anecdotes and our favorite, trivia! Learn how to weave your unique financial goals into your investment tapestry, and find out which investment path might lead you to your own definition of wealth success. And just for kicks, we'll reveal the world's longest flight route – bet you can't guess it without tuning in!

Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

And, as always, STAY THE COURSE!

Send us a Text Message.

Unlock the secrets of Exchange Traded Funds with the help of Ryan Nelson from Alchemy Wealth Management, who joins me, Aaron, in a discussion that will alter your understanding of investments. Together, we shatter the myths surrounding ETFs and mutual funds, underscoring the unique features that make ETFs a prudent choice for individual investors. Ryan's expertise guides us through the intricacies of why these financial tools have surged in popularity, dissecting their structure that inherently protects you, the investor. Expect to have your take on the S&P 500 recalibrated as we address common misconceptions that often cloud its true nature.

As the episode progresses, the tone shifts from analytical to introspective, where Ryan and I exchange tales from our youth, revealing the dreams that set the stage for our professional endeavors. My journey took me from a fascination with veterinary science and golf course design to the structured world of engineering. Meanwhile, Ryan reminisces about his early fascination with watches and an unexpected detour through custom apparel that set him on his financial career path. Our candid discussion serves as a reminder that life is anything but linear, and with purpose, effort, and the right resources, the possibilities are endless. Join us for a conversation that's as much about nurturing your financial savvy as it is about embracing life's unpredictable adventure.

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Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

And, as always, STAY THE COURSE!

Send us a Text Message.

Unlock the mystery of mutual funds with none other than the financial wizard of Alchemy Wealth Management, Ryan Nelson. As his book 'Your Fiscal Physical' turns pages, so will your understanding of this investment staple after our enlightening chat. Peer into the past to grasp how mutual funds have shaped the investment landscape since 1924, and get a grip on the mechanics at play—from active management to those pesky expense ratios that can chip away at your hard-earned money. If you're grappling with the choice between individual stocks or the pooled prowess of mutual funds, this is the conversation you can't afford to miss.

Embark on a journey through the pros and cons of entrusting your treasure to actively managed mutual funds with guidance from your savvy guest. Discover the convenience of a fund manager's expertise and weigh it against the sobering realities of market-beating odds, fees that can nibble at your nest egg, and the tax tangles that can ensnare the unwary investor. With a clear-eyed examination of the benefits and pitfalls, this episode is designed to steer you through the fog of financial jargon and into the clear waters of investment clarity. So tune in, take notes, and take charge of your financial fitness with insights that will transform the way you think about mutual funds.

Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

And, as always, STAY THE COURSE!