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  • Are You Wasting Money Just to Save on Taxes? | W/Guest Catherine Tindall | The Money Alchemist Podcast at FPA All Ohio (Part 2)

    Are You Wasting Money Just to Save on Taxes? | W/Guest Catherine Tindall | The Money Alchemist Podcast at FPA All Ohio (Part 2)
    2026/08/29
    Is saving money on taxes always a good financial decision? What if you're spending money you otherwise wouldn't spend simply to get the deduction? In Part 2 of The Money Alchemist Podcast at FPA All Ohio, Brent Gargano, CFP® and Ben Jones, CFP® sit down with Catherine Tindall, CPA of Dominion to discuss what thoughtful tax planning can look like for financial advisors and business owners. Catherine explains why tax planning shouldn't simply be about finding another deduction. Before looking at more complicated strategies, business owners need to understand their financial infrastructure, projected tax liability, and where their money may actually create the greatest return. From there, the conversation gets much bigger than taxes. Brent, Ben, and Catherine discuss when it may make more sense to pay the tax, when reinvesting in the business could be worthwhile, how to identify bottlenecks, when outsourcing makes sense, and why the owner's own time can become one of the biggest constraints on growth. Ultimately, it's a conversation about treating your business as an asset and making more intentional decisions about where your next dollar should go. About Your Hosts Ben Jones, CFP® Managing Director, National Wealth Management Group www.nwmgadvisors.com  Sign up for Ben’s newsletter at www.karatstick.com  Follow him on X @thekaratstick https://www.linkedin.com/in/ben-nwmg/   Brent Gargano, CFP® Founder & Advisor, Infinite Wealth Planning  www.infinitewealthplanning.com linkedin.com/in/brent-gargano-cfp®-2067b573 Join Brent's Newsletter: https://forms.infinitewealthplanning.com/join-brents-newsletter Subscribe to The Money Alchemist Podcast for more conversations about investing, financial planning, retirement, markets, and building wealth consistently over time. In This Episode What good tax planning actually looks likeWhy bookkeeping and financial infrastructure come firstForecasting your tax liabilitySpending money just to get a tax deductionCashless vs. cash-based tax strategiesPaying the tax vs. reinvesting in your businessEvaluating the return on business expendituresFinding bottlenecks in your businessWhen outsourcing makes senseWhy the owner's time can limit growthThinking like an investor in your own businessBuilding a business with value beyond its owner FPA All Ohio Series This is Part 2 of our five-part FPA All Ohio series, featuring conversations with guests from across the financial planning profession. A special thank you to FPA All Ohio, the FPA Cincinnati chapter, and everyone who helped make these conversations possible. We still have three more guests to come, so subscribe or follow The Money Alchemist Podcast wherever you listen. Have a Question for Brent & Ben? Have a question about investing, retirement, financial planning, taxes, or the markets that you'd like Brent and Ben to discuss on a future episode? Submit your question through the link in our show bio. Your question could be featured in an upcoming episode of The Money Alchemist Podcast. Disclosure: The information provided on this podcast is for educational and informational purposes only and should not be construed as personalized investment, financial, tax, or legal advice. The views expressed here are those of the hosts and guests and do not necessarily reflect the views of National Wealth Management Group, LLC or its affiliates. Investing involves risk, including the potential loss of principal. There is no guarantee that any investment strategy discussed will be successful or profitable. Past performance is not indicative of future results. Economic discussions are based on current data and opinions, which are subject to change and may not accurately predict future events. We encourage listeners to conduct their own research and seek guidance from a certified financial advisor before making any decisions. Advisory services are offered through National Wealth Management Group, LLC. For more information about National Wealth Management Group including our Forms ADV and CRS, please visit our website www.nwmgadvisors.com or contact us directly. To connect with Ben Jones or Brent Gargano directly, email us at comments@themoneyaltchemistshow.com.
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    36 分
  • The Investing Advice That Came Right Before the 1929 Crash | The Money Alchemist Podcast Ep. 63

    The Investing Advice That Came Right Before the 1929 Crash | The Money Alchemist Podcast Ep. 63
    2026/08/22
    Learn More / Submit Questions: https://info.moneyalchemistshow.com/SubmitQuestion-Contact-AC?test=true What can investing advice published just before one of the worst stock market crashes in history teach us about building wealth today? In Episode 63 of The Money Alchemist Podcast, Brent Gargano, CFP® and Ben Jones, CFP® look back at John Raskob’s famous 1929 article, Everybody Ought to Be Rich. Published just weeks before the market peaked, Raskob encouraged people to consistently save and invest in diversified baskets of high-quality companies. The timing could hardly have been worse. But was the underlying advice actually wrong? Brent and Ben use the story to explore the behaviors that can help or hurt investors across bull markets, bear markets, bubbles, and crashes. They discuss the fearful saver who never gets invested, the speculator constantly searching for the next big winner, and the investor who eventually gets frustrated and throws in the towel. The conversation also takes Brent to New York City and the floor of the New York Stock Exchange, with stories about Wall Street, Peter Tuchman, the Empire State Building, and what history can teach us about markets that feel unstoppable right before they change. Before the main discussion, Brent and Ben cover several current market and economic stories, including recent S&P 500 earnings, the Federal Reserve holding rates steady, the K-shaped economy, and SpaceX moving back above its IPO price. They finish with a practical Tip of the Week for anyone preparing to buy a car: shop financing before you ever walk into the dealership. - John Raskob and "Everybody Ought to Be Rich" - Investing immediately before the 1929 stock market crash - The fearful saver, wildcat speculator, and towel thrower - Dollar-cost averaging and long-term investing - Why emotions can become an investor's biggest enemy - Bull markets, bear markets, and stock market bubbles - Brent's visit to the New York Stock Exchange - The Empire State Building and lessons from financial history - S&P 500 earnings and the current market - The Federal Reserve's latest interest rate decision - The K-shaped economy - SpaceX moving back above its IPO price - Why investors can become emotionally attached to individual stocks - How starting to save earlier changes the amount you need to contribute - Shopping credit unions and auto loan rates before buying a car Submit Your Questions Have a financial, investing, retirement, or market question you'd like Brent and Ben to discuss on a future episode? Submit your question through the link in our show bio. Your question could be featured in an upcoming episode of The Money Alchemist Podcast. About Your Hosts Ben Jones, CFP® Managing Director, National Wealth Management Group www.nwmgadvisors.com  Sign up for Ben’s newsletter at www.karatstick.com  Follow him on X @thekaratstick https://www.linkedin.com/in/ben-nwmg/   Brent Gargano, CFP® Founder & Advisor, Infinite Wealth Planning  www.infinitewealthplanning.com linkedin.com/in/brent-gargano-cfp®-2067b573 Join Brent's Newsletter: https://forms.infinitewealthplanning.com/join-brents-newsletter Subscribe to The Money Alchemist Podcast for more conversations about investing, financial planning, retirement, markets, and building wealth consistently over time. 00:00 "I Never Make Money When I Invest" 01:15 Welcome to Episode 63 03:00 Brent's Trip to New York 07:00 The New York Stock Exchange & Wall Street 13:00 Current Market & Economic Updates 18:00 The K-Shaped Economy 21:30 S&P 500 Earnings 24:30 The Federal Reserve Holds Rates Steady 27:00 SpaceX Moves Back Above Its IPO Price 31:30 John Raskob & "Everybody Ought to Be Rich" 33:00 The Fearful Saver 37:45 The Wildcat Speculator 40:30 Getting Emotionally Attached to Stocks 42:20 "I Never Make Money When I Invest" 44:40 Affordability vs. Expectations 46:55 Why Starting to Save Earlier Matters 48:40 Investing Advice Right Before the 1929 Crash 50:35 What If You Invested Before the Great Depression? 55:00 Bull Markets, Bear Markets & Bubbles 59:00 The Empire State Building & Lessons From Market History 1:05:35 Tip of the Week: Shop Your Auto Loan Before Buying a Car Disclosure: The information provided on this podcast is for educational and informational purposes only and should not be construed as personalized investment, financial, tax, or legal advice. The views expressed here are those of the hosts and guests and do not necessarily reflect the views of National Wealth Management Group, LLC or its affiliates. Investing involves risk, including the potential loss of principal. There is no guarantee that any investment strategy discussed will be successful or profitable. Past performance is not indicative of future results. Economic discussions are based on current data and opinions, which are subject to change and may not accurately predict future events. We encourage listeners to conduct their own ...
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    1 時間 11 分
  • How AI Is Changing Financial Advice | W/Guest Dennis Mosley-Williams | The Money Alchemist Podcast at FPA All Ohio (Part 1)

    How AI Is Changing Financial Advice | W/Guest Dennis Mosley-Williams | The Money Alchemist Podcast at FPA All Ohio (Part 1)
    2026/08/08

    Learn More / Submit Questions: https://info.moneyalchemistshow.com/SubmitQuestion-Contact-AC?test=true

    Welcome to The Money Alchemist Podcast at FPA All Ohio, a special interview series featuring conversations recorded live at one of the Midwest's premier financial planning conferences.

    Hosted by Brent Gargano, CFP® and Ben Jones, CFP®, this playlist brings together financial advisors, industry leaders, authors, consultants, and innovators to discuss the future of financial planning, investing, retirement, client relationships, behavioral finance, artificial intelligence, practice management, and the ideas shaping the advisory profession.

    These conversations go beyond markets and portfolios to explore how advisors can create greater value for the people they serve while adapting to an ever-changing financial landscape.

    A special thank you to the Financial Planning Association (FPA) of Cincinnati for welcoming us to the FPA All Ohio Conference and helping make these conversations possible.

    About Dennis Mosley-Williams

    Dennis Mosley-Williams is the founder of Dennis Mosley-Williams Strategic Consulting, a boutique consulting firm that works predominantly with financial advisors on customer experience, client transformation, and creating greater value beyond traditional financial planning. He is also the author of Serious Shift.

    About your Hosts

    Ben Jones, CFP®

    Managing Director, National Wealth Management Group

    www.nwmgadvisors.com 

    Sign up for Ben’s newsletter at www.karatstick.com 

    Follow him on X @thekaratstick

    https://www.linkedin.com/in/ben-nwmg/

     

    Brent Gargano, CFP®

    Founder & Advisor, Infinite Wealth Planning 

    www.infinitewealthplanning.com

    linkedin.com/in/brent-gargano-cfp®-2067b573

    Join Brent's Newsletter: https://forms.infinitewealthplanning.com/join-brents-newsletter

     

    Subscribe to The Money Alchemist Podcast for more interviews, investing insights, retirement planning strategies, and conversations with some of the brightest minds in financial planning.

    Have a financial question you'd like Brent and Ben to discuss on a future episode? Submit it through the link in our bio. Your question could be featured in an upcoming episode.

    Disclosure:

    The information provided on this podcast is for educational and informational purposes only and should not be construed as personalized investment, financial, tax, or legal advice. The views expressed here are those of the hosts and guests and do not necessarily reflect the views of National Wealth Management Group, LLC or its affiliates.

    Investing involves risk, including the potential loss of principal. There is no guarantee that any investment strategy discussed will be successful or profitable. Past performance is not indicative of future results.

    Economic discussions are based on current data and opinions, which are subject to change and may not accurately predict future events. We encourage listeners to conduct their own research and seek guidance from a certified financial advisor before making any decisions.

    Advisory services are offered through National Wealth Management Group, LLC. For more information about National Wealth Management Group including our Forms ADV and CRS, please visit our website www.nwmgadvisors.com or contact us directly.

    To connect with Ben Jones or Brent Gargano directly, email us at comments@themoneyaltchemistshow.com.
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    48 分
  • Money Optimization Obsession: Why Focusing on the Wrong Things Is Costing You Wealth | The Money Alchemist Podcast Ep. 62

    Money Optimization Obsession: Why Focusing on the Wrong Things Is Costing You Wealth | The Money Alchemist Podcast Ep. 62
    2026/08/01

    Comments or questions? Submit to our link in our show bio

    Are you spending too much time trying to optimize the wrong parts of your financial life?

    In this episode of The Money Alchemist Podcast, Brent Gargano and Ben Jones discuss one of the biggest mistakes they see investors make: obsessing over financial decisions that have very little impact while overlooking the habits that actually build long-term wealth.

    From budgeting and investment returns to Social Security timing, retirement planning, taxes, and asset allocation, they explain why focusing on the fundamentals often produces better financial outcomes than chasing the "perfect" strategy.

    They also break down this week's biggest market headlines, including the Federal Reserve meeting, SpaceX trading below its IPO price, inflation, Apple reclaiming the top market cap, and what's happening across the AI and semiconductor landscape.

    In this episode:
    • Why reverse budgeting can be more effective than tracking every dollar
    • Why your saving rate often matters more than investment returns
    • Financial behaviors that have the biggest long-term impact
    • Social Security timing and retirement planning
    • The difference between optimizing your finances and overcomplicating them
    • Estate planning, tax efficiency, and asset allocation
    • This week's market and economic updates
    • Tip of the Week: Back-to-school sales tax holidays

    The biggest gains in personal finance rarely come from finding a better investment. They come from consistently making better decisions over decades.

    About your Hosts

    Ben Jones, CFP®

    Managing Director, National Wealth Management Group

    www.nwmgadvisors.com 

    Sign up for Ben’s newsletter at www.karatstick.com 

    Follow him on X @thekaratstick

    https://www.linkedin.com/in/ben-nwmg/

     

    Brent Gargano, CFP®

    Founder & Advisor, Infinite Wealth Planning 

    www.infinitewealthplanning.com

    linkedin.com/in/brent-gargano-cfp®-2067b573

    Join Brent's Newsletter: https://forms.infinitewealthplanning.com/join-brents-newsletter

     

    Disclosure:

    The information provided on this podcast is for educational and informational purposes only and should not be construed as personalized investment, financial, tax, or legal advice. The views expressed here are those of the hosts and guests and do not necessarily reflect the views of National Wealth Management Group, LLC or its affiliates.

    Investing involves risk, including the potential loss of principal. There is no guarantee that any investment strategy discussed will be successful or profitable. Past performance is not indicative of future results.

    Economic discussions are based on current data and opinions, which are subject to change and may not accurately predict future events. We encourage listeners to conduct their own research and seek guidance from a certified financial advisor before making any decisions.

    Advisory services are offered through National Wealth Management Group, LLC. For more information about National Wealth Management Group including our Forms ADV and CRS, please visit our website www.nwmgadvisors.com or contact us directly.

    To connect with Ben Jones or Brent Gargano directly, email us at comments@themoneyaltchemistshow.com.
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    1 時間 5 分
  • What Wealthy Americans Do Differently (And What You Can Copy) | Building Wealth for the Long Term

    What Wealthy Americans Do Differently (And What You Can Copy) | Building Wealth for the Long Term
    2026/07/18

    Millions of Americans dream about building wealth, but what do wealthy families actually do differently?

    In this episode, Brent Gargano and Ben Jones break down a recent survey of more than 1,400 Americans with over $3 million in invested assets. They explore the habits, decisions, and long-term mindset that consistently separate wealthy households from everyone else—and, more importantly, which of those habits anyone can begin applying today.

    Topics include:

    • Why ownership is the foundation of wealth • The power of long-term investing and compounding • Why wealthy families value flexibility over lifestyle inflation • Legacy planning and thinking beyond your own retirement • Why successful people build a team of trusted advisors

    Plus, the hosts discuss current market headlines, including:

    • Trump's new investment accounts • Early Q2 earnings from major banks • SpaceX trading below its IPO price • The return of Anthropic's Fable 5 • Recent developments affecting global markets

    Tip of the Week

    American Express Blue cardholders may be eligible for a monthly streaming credit. Brent and Ben explain how to take advantage of the benefit.

    If you enjoy conversations on investing, retirement planning, and building long-term wealth, subscribe to The Money Alchemist Podcast for new episodes every week.

    Have a financial question you'd like us to discuss on the show?

    Submit it through the link in our bio or leave a comment below.

    About your Hosts

    Ben Jones, CFP®

    Managing Director, National Wealth Management Group

    www.nwmgadvisors.com 

    Sign up for Ben’s newsletter at www.karatstick.com 

    Follow him on X @thekaratstick

    https://www.linkedin.com/in/ben-nwmg/

     

    Brent Gargano, CFP®

    Founder & Advisor, Infinite Wealth Planning 

    www.infinitewealthplanning.com

    linkedin.com/in/brent-gargano-cfp®-2067b573

     

    Comments or questions? Submit to our link in our show bio

    Disclosure:

    The information provided on this podcast is for educational and informational purposes only and should not be construed as personalized investment, financial, tax, or legal advice. The views expressed here are those of the hosts and guests and do not necessarily reflect the views of National Wealth Management Group, LLC or its affiliates.

    Investing involves risk, including the potential loss of principal. There is no guarantee that any investment strategy discussed will be successful or profitable. Past performance is not indicative of future results.

    Economic discussions are based on current data and opinions, which are subject to change and may not accurately predict future events. We encourage listeners to conduct their own research and seek guidance from a certified financial advisor before making any decisions.

    Advisory services are offered through National Wealth Management Group, LLC. For more information about National Wealth Management Group including our Forms ADV and CRS, please visit our website www.nwmgadvisors.com or contact us directly.

    To connect with Ben Jones or Brent Gargano directly, email us at comments@themoneyaltchemistshow.com.
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    1 時間 1 分
  • Does the 4% Rule Still Work? | Retirement Income, Safe Withdrawal Rates & Investing | Ep 60

    Does the 4% Rule Still Work? | Retirement Income, Safe Withdrawal Rates & Investing | Ep 60
    2026/07/04

    The 4% Rule has guided retirement planning for decades, but does it still make sense in today's market?

    In Episode 60, Ben Jones and Brent Gargano break down the origins of the 4% Rule, Bill Bengen's original research, the Trinity Study, and how retirees can think about safe withdrawal rates and spending guardrails throughout retirement.

    The conversation also covers recent developments in the markets, including inflation concerns, the latest updates surrounding the SpaceX IPO, and what investors should be watching.

    To wrap up the episode, Ben and Brent share a practical tip on how to check for unclaimed funds that may be waiting for you.

    Submit Your Questions: https://info.moneyalchemistshow.com/SubmitQuestion-Contact-AC?test=true

    Topics include:
    • The history of the 4% Rule
    • Bill Bengen's research
    • The Trinity Study
    • Safe withdrawal rates
    • Spending guardrails
    • Inflation updates
    • SpaceX IPO update
    • Market news
    • How to check for unclaimed funds

    About your Hosts

    Ben Jones, CFP®

    Managing Director, National Wealth Management Group

    www.nwmgadvisors.com 

    Sign up for Ben’s newsletter at www.karatstick.com 

    Follow him on X @thekaratstick

    https://www.linkedin.com/in/ben-nwmg/

     

    Brent Gargano, CFP®

    Founder & Advisor, Infinite Wealth Planning 

    www.infinitewealthplanning.com

    linkedin.com/in/brent-gargano-cfp®-2067b573

     

    Comments or questions? Email us at comments@moneyalchemistshow.com

    Disclosure:

    The information provided on this podcast is for educational and informational purposes only and should not be construed as personalized investment, financial, tax, or legal advice. The views expressed here are those of the hosts and guests and do not necessarily reflect the views of National Wealth Management Group, LLC or its affiliates.

    Investing involves risk, including the potential loss of principal. There is no guarantee that any investment strategy discussed will be successful or profitable. Past performance is not indicative of future results.

    Economic discussions are based on current data and opinions, which are subject to change and may not accurately predict future events. We encourage listeners to conduct their own research and seek guidance from a certified financial advisor before making any decisions.

    Advisory services are offered through National Wealth Management Group, LLC. For more information about National Wealth Management Group including our Forms ADV and CRS, please visit our website www.nwmgadvisors.com or contact us directly.

    To connect with Ben Jones or Brent Gargano directly, email us at comments@themoneyaltchemistshow.com.

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    1 時間 5 分
  • Wealth & IPOs: The SpaceX IPO, IPO Risks & The World's First Trillionaire | MAP Ep 59

    Wealth & IPOs: The SpaceX IPO, IPO Risks & The World's First Trillionaire | MAP Ep 59
    2026/06/20

    In Episode 59 of The Money Alchemist Podcast, Brent Gargano and Ben Jones discuss one of the largest IPOs in history as SpaceX officially goes public, raising billions and pushing Elon Musk's net worth to unprecedented levels.

    The conversation explores how IPOs work, why companies go public, what investors should know about IPO volatility, and whether participating in high-profile public offerings is actually a good investment strategy.

    The episode also covers new stock market highs, recent developments in the Middle East, the growing debate around AI regulation, and what today's headlines may mean for investors.

    In Episode 59, topics include:

    • The SpaceX IPO • Elon Musk's Net Worth • How IPOs Work • IPO Risks & Volatility • Private vs Public Companies • Stock Market All-Time Highs • AI Regulation & Anthropic • Investing Psychology • Portfolio Diversification • Wealth Building Principles

    About Your Hosts

    Ben Jones, CFP® Managing Director, National Wealth Management Group www.nwmgadvisors.com

    Sign up for Ben's newsletter at www.karatstick.com

    Follow Ben on X @thekaratstick

    Brent Gargano, CFP® Founder & Advisor, Infinite Wealth Planning www.infinitewealthplanning.com

    Questions or comments?

    comments@moneyalchemistshow.com

    Timestamps

    00:00 Welcome Back & Episode Introduction

    02:35 Recapping Episode 58 with Dr. Bryan Buechner

    04:45 Consumer Psychology & Investing

    12:00 Middle East Updates & Market Impact

    15:00 Why Markets Keep Hitting New Highs

    18:45 AI Adoption & Career Implications

    22:15 Anthropic, AI Regulation & Government Intervention

    30:00 SpaceX IPO Explained

    34:30 How IPOs Actually Work

    38:30 Elon Musk Becomes The World's First Trillionaire

    46:30 Should Investors Participate In IPOs?

    49:00 Why IPOs Often Struggle After Launch

    53:00 Valuations, Dilution & Share Issuance

    57:30 Concentration vs Diversification

    59:30 Final Thoughts

    Disclosure

    The information provided on this podcast is for educational and informational purposes only and should not be construed as personalized investment, financial, tax, or legal advice. The views expressed here are those of the hosts and guests and do not necessarily reflect the views of National Wealth Management Group, LLC or its affiliates.

    Investing involves risk, including the potential loss of principal. There is no guarantee that any investment strategy discussed will be successful or profitable. Past performance is not indicative of future results.

    Economic discussions are based on current data and opinions, which are subject to change and may not accurately predict future events. We encourage listeners to conduct their own research and seek guidance from a certified financial advisor before making any decisions.

    Advisory services are offered through National Wealth Management Group, LLC. For more information about National Wealth Management Group including Forms ADV and CRS, please visit www.nwmgadvisors.com.
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    1 時間 8 分
  • Why We Buy Things We Don't Need: Consumer Psychology & Money with Dr. Bryan Buechner | MAP Ep 58

    Why We Buy Things We Don't Need: Consumer Psychology & Money with Dr. Bryan Buechner | MAP Ep 58
    2026/06/10

    Have you ever bought something and immediately wondered, "Why did I spend money on that?"

    In Episode 58 of The Money Alchemist Podcast, Brent sits down with Dr. Bryan Buechner, marketing professor at Xavier University and expert in consumer psychology, to explore the hidden forces that influence our financial decisions every day.

    Together they discuss how marketing shapes behavior, why self-control is more complicated than simply "spending less," and how consumers can make better purchasing decisions in a world filled with endless choices, targeted advertising, social media, AI recommendations, and subscription services.

    They also dive into topics such as Costco's cult-like customer loyalty, the rise and fall of Peloton, the psychology of pricing, consumer biases, AI shopping assistants, decision fatigue, loyalty programs, and how understanding consumer behavior can ultimately help you become a better steward of your money.

    Whether you're trying to spend more intentionally, improve your financial habits, or simply understand why companies market the way they do, this episode offers practical insights that can help you make better decisions with your money.

    About your Hosts Ben Jones, CFP®

    Managing Director, National Wealth Management Group www.nwmgadvisors.com Sign up for Ben’s newsletter at www.karatstick.com Follow him on X @thekaratstick https://www.linkedin.com/in/ben-nwmg/

    Brent Gargano, CFP®

    Founder & Advisor, Infinite Wealth Planning www.infinitewealthplanning.com https://linkedin.com/in/brent-gargano-cfp®-2067b573

    Comments or questions? www.nwmgadvisors.com.
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    1 時間 13 分