On this episode of Through The Pines we'll discuss How Couples can SOLVE their Money Issues

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while chops & stacks wood for the winter, this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023, 2024, 2025 & 2026 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: planwithbaxter.com

Building a Financial Partnership in Marriage

Subtitle:

The right system matters less than shared goals and transparency.

Podcast Objective

Give couples practical frameworks for organizing their finances, reducing conflict, and creating a system that works for both partners.

If you found value in this podcast, consider supporting us at https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2026

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while charging his EV this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023, 2024, 2025 & 2026 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: planwithbaxter.com

If you found value in this podcast, consider supporting us at https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2026

On this episode of Through The Pines we'll discuss the longevity surprise: why some retirement plans may end 15-20 years too soon, and what you should be doing to protect your wealth for a longer life.

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while getting in his daily , this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023, 2024, 2025 & 2026 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: planwithbaxter.com

Open / frame

• "Last time we talked health and longevity as a wealth-building input. Today is the sequel: what happens when the plan's end date is wrong."
• Ask the advisors: What age do most plans they see actually run to? 85? 90? 95?

• • The punchline: a portfolio can recover from a bear market. A plan built for 90 can break if someone lives to 105–110. That's the new headline risk.

If you found value in this podcast, consider supporting us at https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2026

Pines 106 - The Financial Side of Divorce: Protecting Your Future

While Navigating a Major Life Transition

On this episode of Through The Pines we'll discuss the financial impacts of divorce and protecting your future while navigating a Major Life Transition.

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while sipping his pumpkin spiced latte, this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023, 2024, 2025 & 2026 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: planwithbaxter.com

Notes:

Key Discussion Points

Divorce ranks among the most significant financial events in a person's life.

Decisions made during divorce can affect:

o Retirement

o Taxes

o Housing

o Insurance

o College funding

o Estate planning

Importance of assembling the right team:

o Family law attorney

o Financial advisor

o CPA

o Mortgage professional

o Insurance professional

If you found value in this podcast, consider supporting us at https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2026

On this episode of Through The Pines we'll discuss "GIRL MATH" the financial shortcuts, habits,

and irrational decisions that everyone makes. Explore how to become more intentional with money while still enjoying life and creating meaningful experiences.

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while placing crypto bets on prediction markets, this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023, 2024, 2025 & 2026 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: planwithbaxter.com

OUTLINE

• Fun Examples of "Girl Math"
• Why We all Have Our Version of "Girl Math" including Mental Accounting & Money Emotions
• How to Make Good Decisions Easier - Build Systems, Automate Savings
• Create Financial Firewalls - Separate Accounts
• Balance Long-Term, Mid-Term, and Short-Term Goals
• Remember to Make Memories - Life is short, Family vacations, Celebrations, Time with Family
• Practical Steps:

1. Identify your "Girl Math"
2. Automate One Good Habit
3. Review Goals in Three Buckets

____________________________________

If you found value in this podcast, consider supporting us at https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2026

On this episode of Through The Pines we'll chat financial GOAL SETTING & LIFE PLANNING in 2026 from headwinds & pitfalls to clear values-aligned goals to motivate you!

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while editing his daily vlog (he never publishes), this is Through the Pines.

Our Advisors for this episode, we welcome back Brandyn Smith from planwithbaxter.com

2023, 2024, 2025 & 2026 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: planwithbaxter.com

OUTLINE:

Why Goal Setting Feels Hard in 2026

• Current headwinds: Rising costs, interest rate volatility, AI-driven job changes, housing affordability, and longer lifespans (planning for 30+ years in retirement).
• The consequence of weak goals: " drifting" — saving without purpose, lifestyle creep, or burnout from chasing someone else's version of success.
• Planner perspective: The #1 regret they hear from clients and the biggest mindset shift needed right now.

• • Good news: When goals are clear and values-aligned, planning becomes much easier and more motivating.

If you found value in this podcast, consider supporting us at https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2026

On this episode of Through The Pines we'll chat Hot Financial Planning Topics for Summer 2026,

From AI, to Energy Inflation, Fed policy, economy resilience, market outlook, and more!

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while sneaking into World Cup stadiums to catch the match magic, this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023, 2024, 2025 & 2026 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: planwithbaxter.com

OUTLINE:

Taxes in retirement are not passive—they are one of the largest controllable risks, and most

people don't realize it until it's too late. Good planning reduces taxes; bad planning just defers them.

____________________________________

***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2026

#podcast #money #wealth #retirement #financialplanning #finances #networth

Avoid the retirement tax trap with expert financial planning strategies. Learn how to manage your taxes without complex schemes.

On this episode of Through The Pines we'll "The Reality of the Retirement Tax Trap — and How to Navigate It Without Being Sold Something at a Fancy Dinner"

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while working on his tan at the neighborhood pool, this is Through the Pines.

Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com

2023, 2024, 2025 & 2026 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: planwithbaxter.com

Rex Baxter and Brandon Smith from planwithbaxter.com join the Financial Planning Podcast to break down the realities of retirement tax planning. Many investors fall into unnecessary traps because they overcomplicate their strategy. This conversation focuses on simplifying your approach to financial planning while ensuring your assets are protected for the long term.

We discuss the specific components of a retirement tax trap and how to navigate these common financial hurdles. By focusing on practical steps rather than complex jargon, you will gain a clearer understanding of how to structure your retirement income. This episode provides actionable insights for anyone looking to secure their financial future through smarter tax management.

Subscribe for weekly financial planning breakdowns and comment below on which retirement topic you want us to cover next.

***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia

WATCH & SUBSCRIBE to us on YouTube @throughthepines

LIKE our Facebook Page: https://www.facebook.com/pinespodcast

Follow our Instagram: https://www.instagram.com/pines_podcast/

Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.

****

This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2026