エピソード

  • Trump Accounts Explained: Should You Choose One Over a 529 Plan?

    Trump Accounts Explained: Should You Choose One Over a 529 Plan?
    2026/07/23
    “Well… It Depends!” explores financial questions that rarely have a one-size-fits-all answer. In this episode, hosts Andrew Baron, CFP®, EA, and Derek Doyle discuss one of the newest developments in financial planning: Trump Accounts. Following the passage of recent federal legislation, these new tax-advantaged accounts are now available to help families begin saving for a child’s future, creating new opportunities—and new planning decisions. Andrew and Derek explain how Trump Accounts work, including eligibility requirements, contribution rules, investment limitations, and the government’s $1,000 seed contribution available for qualifying children born between January 1, 2025, and December 31, 2028. They discuss how […]
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    11 分
  • Equity Compensation: Are You Taking Too Much Risk?

    Equity Compensation: Are You Taking Too Much Risk?
    2026/07/09
    “Well… It Depends!” explores financial questions that rarely have a one-size-fits-all answer. In this episode, hosts Andrew Baron, CFP®, EA, and Derek Doyle are joined by Jason Nickerson, CFP®, EA, President and CEO of John G. Ullman & Associates, to discuss one of the most complex areas of financial planning: equity compensation. As markets reach new highs, many employees may find themselves holding a significant amount of company stock through equity compensation programs. But owning a concentrated position in the company you work for creates unique planning considerations—especially when your income, benefits, and investments may all be tied to the […]
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    21 分
  • Are Financial Advisors Worth It? What Investors Should Know

    Are Financial Advisors Worth It? What Investors Should Know
    2026/06/25
    “Well… It Depends!” explores financial questions that rarely have a one-size-fits-all answer. In this episode, hosts Andrew Baron, CFP®, EA, and Derek Doyle tackle a question that has become increasingly relevant in the age of artificial intelligence and digital financial tools: Do I need a financial advisor? They examine the growing availability of AI-powered financial resources and discuss the opportunities—and limitations—of managing your finances without professional guidance. Andrew and Derek break down the challenges individuals may face when going it alone, including keeping up with changing tax laws, understanding broader economic trends, managing cash flow, and creating a comprehensive financial […]
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    12 分
  • A Complicated Market: AI Stocks, SpaceX IPO, Interest Rates & Inflation Explained

    A Complicated Market: AI Stocks, SpaceX IPO, Interest Rates & Inflation Explained
    2026/06/12
    “Well… It Depends!” explores financial decisions and market developments that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle discuss several of the major forces currently influencing the markets, including the continued surge in artificial intelligence-related investments, the potential impact of high-profile upcoming IPOs, uncertainty surrounding interest rates, and ongoing inflation concerns. From soaring semiconductor stocks and AI infrastructure spending to the anticipated SpaceX IPO and other companies potentially entering the public markets, they break down what investors should consider when evaluating rapidly growing sectors and whether current market enthusiasm […]
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    20 分
  • Major Purchases During Market Uncertainty

    Major Purchases During Market Uncertainty
    2026/05/28
    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle discuss how to approach major financial decisions during periods of market uncertainty, inflation concerns, and economic volatility. From buying a home or vehicle to planning for travel, retirement expenses, or other large purchases, they break down why timing the market isn’t always the right strategy—and why affordability, planning, and long-term goals often matter more than headlines or short-term market swings. The conversation also explores the importance of setting aside cash for future expenses, managing […]
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    14 分
  • What’s My Magic Number for Retirement?

    What’s My Magic Number for Retirement?
    2026/05/14

    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no.

    This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future.

    They discuss the key differences between defined benefit and defined contribution plans, why the responsibility for retirement has shifted to individuals, and how to make smarter decisions when it comes to saving, investing, and managing your retirement accounts. From contribution strategies and Roth vs. pre-tax decisions to Social Security timing and planning opportunities, they highlight the areas that can have the biggest impact over time.

    If you’re working, approaching retirement, or simply trying to better understand your options, this episode provides practical insights to help you navigate today’s retirement landscape.

    If you’d like to discuss your specific situation with one of our CFPs®, please email info@jgua.com.

    For the full transcript, click HERE
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    15 分
  • Tax Planning in 2026: New Rules, Deductions & Smart Strategies (OBBBA Breakdown)

    Tax Planning in 2026: New Rules, Deductions & Smart Strategies (OBBBA Breakdown)
    2026/04/30

    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no.

    This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future.

    They discuss the key differences between defined benefit and defined contribution plans, why the responsibility for retirement has shifted to individuals, and how to make smarter decisions when it comes to saving, investing, and managing your retirement accounts. From contribution strategies and Roth vs. pre-tax decisions to Social Security timing and planning opportunities, they highlight the areas that can have the biggest impact over time.

    If you’re working, approaching retirement, or simply trying to better understand your options, this episode provides practical insights to help you navigate today’s retirement landscape.

    If you’d like to discuss your specific situation with one of our CFPs®, please email info@jgua.com.

    For the full transcript, click HERE
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    24 分
  • Markets vs Portfolios Explained: Why the S&P 500 Isn’t Enough for Retirement Planning

    Markets vs Portfolios Explained: Why the S&P 500 Isn’t Enough for Retirement Planning
    2026/04/16

    “Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no.

    This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future.

    They discuss the key differences between defined benefit and defined contribution plans, why the responsibility for retirement has shifted to individuals, and how to make smarter decisions when it comes to saving, investing, and managing your retirement accounts. From contribution strategies and Roth vs. pre-tax decisions to Social Security timing and planning opportunities, they highlight the areas that can have the biggest impact over time.

    If you’re working, approaching retirement, or simply trying to better understand your options, this episode provides practical insights to help you navigate today’s retirement landscape.

    If you’d like to discuss your specific situation with one of our CFPs®, please email info@jgua.com.

    For the full transcript, click HERE
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    17 分