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PODCAST

Phil"s Tax Hacks

Financial, tax and retirement planning guidance from Phil Putney. Each week Phil will talk about the keys to building a sound financial strategy that can survive throughout the ups and downs of the market. We"ll have plenty of tax hacks along the way and other retirement facts!

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All Episodes

21:56

Patience Pays: The Power of Delayed Gratification

Phil"s Tax Hacks ·

2023/11/30

Sometimes it’s hard to make financial sacrifices when the reward might not be seen until several years in the future. Today we’ll talk about some of the situations where you might be inclined to take the immediate benefit, when you should really consider the delayed rewards… Here’s some of what we discuss in this episode: 2:32 – Passing up a 401k match 5:32 – Saving only in tax-deferred accounts 8:05 – Depleting emergency fund 10:37 – Cashing out retirement plan 13:24 – Delaying home

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22:34

Financial Tweaks That Matter: Small Steps, Big Impact...

Phil"s Tax Hacks ·

2023/11/21

Ever thought that minor tweaks in your financial plan could lead to major wins? Join us as we jump back into our conversation on the powerful world of simple financial adjustments. Stay tuned as we unpack some seemingly small steps that can bring about big, positive ripples in your financial life. If you missed part 1, you can check it out here! Here’s some of what we discuss in this episode: 1:28 – Tax efficiency of investments 6:15 – Checking beneficiary designations 10:05 – Rebalancing your

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20:25

Financial Tweaks That Matter: Small Steps, Big Impact...

Phil"s Tax Hacks ·

2023/11/16

Ever thought that minor tweaks in your financial plan could lead to major wins? Join us in this episode as we unravel the surprisingly powerful world of simple financial adjustments. Stay tuned as we unpack some seemingly small steps that can bring about big, positive ripples in your financial life. Here’s some of what we discuss in this episode: 1:41 – The right amount in cash 6:32 – Old life insurance policies 9:55 – Consolidate old 401Ks 13:06 – Reconsider managed accounts 14:40 – Replacing

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21:57

How To Successfully Climb The Retirement Mountain

Phil"s Tax Hacks ·

2023/11/09

Ready for an adventure? Think of retirement planning as climbing a mountain. It's not just about the climb up; it's about preparing wisely, tackling the ups and downs, and even planning your way back down. Here’s some of what we discuss in this episode: 3:23 – Preparing for the climb 6:18 – The ascent 8:18 – Base camps 9:51 – Changing weather 11:22 – The summit 16:43 – Descending safely For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: Phil's Tax Hacks and

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27:17

End of Year Financial Planning For 2023

Phil"s Tax Hacks ·

2023/11/02

As the year winds down, it's crucial to ensure your financial house is in order. Join us for a thoughtful episode where we unpack our 2023 edition of key year-end planning strategies for those nearing or embracing their retirement years. We'll explore the nuances of optimizing your investment portfolio, safeguarding your assets, and ensuring a stable, rewarding lifestyle in the years to come. Here’s some of what we discuss in this episode: 1:44 – General planning + investment strategies 5:20 –

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20:46

Money Mistake You’ll Regret And How To Avoid Them

Phil"s Tax Hacks ·

2023/10/26

“Learn from the mistakes of others. You can’t live long enough to make them all yourself.” – Eleanor Roosevelt... Ever wish you could foresee financial missteps before they happen? In today’s episode, we’ll explore some real-life stories of regret and arm you with the essential dos and don'ts to ensure your money works for you, not against you. Here’s some of what we discuss in this episode: 1:38 –Premature IRA withdrawals 4:41 – Lifestyle creep 7:42 – Sending too much on your children's

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24:31

Understanding Continuing Care Retirement Communities...

Phil"s Tax Hacks ·

2023/10/19

As Baby Boomers and those on the cusp of retirement search for their next chapter, Continuing Care Retirement Communities (CCRCs) or Life Plan Communities emerge as a noteworthy option. In this episode, Phil sheds light on the key aspects you should consider when determining whether these communities are a suitable choice for your retirement. Here’s some of what we discuss in this episode: 1:40 – Some background on CCRCs 5:28 – Questions to ask when considering a CCRC 11:31 – Personalizing your

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20:55

Retirement Planning’s “Hidden” Questions

Phil"s Tax Hacks ·

2023/10/12

The retirement planning world is filled with plenty of advice and suggestions, but there are critical questions lurking in the shadows – the unasked, the overlooked. These are the questions that can help define the comfort and security of your retirement future. In this episode, we unearth and tackle these hidden, but essential questions about retirement. Here’s some of what we discuss in this episode: 1:46 – How much are my tax-deferred savings going to cost? 5:21 – How much can I withdrawal from

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19:45

Retirement Planning for High-Net-Worth Individuals

Phil"s Tax Hacks ·

2023/10/05

In today's episode, we're taking a close look at high-net-worth individuals - those who have accumulated significant wealth and face unique challenges and opportunities when planning for retirement. Unlike the average person, their financial considerations go beyond the basics. We'll explore the distinct strategies and factors that come into play when securing a comfortable and prosperous retirement. Here’s some of what we discuss in this episode: 2:57 – Planning complexities for high-net-worth

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23:11

The Universal Truths in Retirement Planning (Part 2)

Phil"s Tax Hacks ·

2023/09/28

Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Dive deep in this two-part series, where we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across the board. In part one, we covered income planning, long term care, investing, longevity and inflation. Today we’ll round out our 10 universal

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20:39

The Universal Truths in Retirement Planning (Part 1)

Phil"s Tax Hacks ·

2023/09/21

Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Dive deep in this two-part series, where we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across the board. Each of the things we discuss on these two episodes should be accounted for in your plan. The way you approach it might be different than

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20:04

Navigating Finances After Losing a Spouse: Strategies...

Phil"s Tax Hacks ·

2023/09/14

Losing a spouse is an unimaginably tough life event, but the financial implications can add another layer of stress to the grieving process. In this episode, we delve deep into the most common financial issues faced by widows and widowers, from dealing with income gaps to navigating tax changes as a single filer. Here are some of the things we’ll address in this episode: 0:00 – Intro 2:02 – The two main financial issues you face 5:24 – Solving for the income gap 10:16 – Taking care of kids and

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21:38

Understanding RMDs: A Guide For Retirees & The...

Phil"s Tax Hacks ·

2023/09/07

Are you over 55 and pondering retirement? Dive into the world of Required Minimum Distributions (RMDs) with us. In this episode, we demystify the reasons behind mandatory withdrawals from your retirement savings. Discover strategies to potentially avoid them and understand the risks of not preparing in advance. And for those fortunate to not rely on RMDs for income, we'll explore impactful ways to utilize those funds. Here are some of the things we’ll address in this episode: 2:21 – What is an

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17:02

Retirement: Ready Or Not, Here It Comes

Phil"s Tax Hacks ·

2023/08/31

Are you nearing “retirement age?” If so, let’s explore that pivotal question you’ll soon face: Should you retire or continue working? We’ll unravel the intricacies of this decision, addressing both financial and emotional aspects, and help you find out if you’re truly ready to retire. Here are some of the things we’ll address in this episode: 2:03 – Common reasons for not retiring 5:21 – Financially able to retire, but lacking confidence 9:10 – Ready to retire but not financially prepared For

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22:26

Breaking Up is Hard: Navigating the Transition to a...

Phil"s Tax Hacks ·

2023/08/24

In today's episode, we'll explore the sensitive and significant process of transitioning from one financial advisor to another. We'll cover how to recognize when your current advisor may no longer be serving your financial needs effectively, the right questions to ask, and crucial factors to consider when searching for a new financial partner. Here are some of the things we’ll address in this episode: 1:40 – Reasons one might want to change advisors 6:38 – Consequences of changing advisors 10:40 –

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20:26

Till Debt Do Us Part: Resolving Financial Tension...

Phil"s Tax Hacks ·

2023/08/17

Welcome back to part two of our discussion on resolving financial tension between couples. In this episode, we'll explore five more common areas of financial tensions: emergency fund size, charitable contributions, handling inheritances, insurance needs, and financial management style. Stay tuned to learn how advisors like Phil work to resolve conflicts in these areas as they arise. Here are some of the things we’ll address in this episode: 1:48 – How much should we have in the emergency

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15:43

Till Debt Do Us Part: Resolving Financial Tension...

Phil"s Tax Hacks ·

2023/08/10

Money can't buy love, but it can certainly start some spicy debates between you and your better half. In this episode, we're digging into the financial face-offs that make Monopoly fights look like child's play and exploring some money minefields that can test even the most solid relationships. Listen in as we explore how to resolve some of the most common financial sources of tension between couples. Here are some of the things we’ll address in this episode: 1:57 – Disagreeing on risk tolerance

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21:41

Spotting Problematic Personalities of Rogue Advisors...

Phil"s Tax Hacks ·

2023/08/03

Finding a trustworthy and competent financial advisor is essential for securing your financial future. After all, they play a vital role in helping you make informed decisions about your money, investments, and long-term financial goals. But how can you separate the wheat from the chaff? How can you identify problematic personalities that might indicate an advisor isn't the right fit for you? In part two of this two-part series, we’ll explore how to identify five more of these advisor personalities,

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20:15

Spotting Problematic Personalities of Rogue Advisors...

Phil"s Tax Hacks ·

2023/07/27

Finding a trustworthy and competent financial advisor is essential for securing your financial future. After all, they play a vital role in helping you make informed decisions about your money, investments, and long-term financial goals. But how can you separate the wheat from the chaff? How can you identify problematic personalities that might indicate an advisor isn't the right fit for you? Here are some of the things we’ll address in this episode: 2:56 – “The Ghost” who disappears after the

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18:50

Countdown Clarity: Timing Your Retirement Preparations

Phil"s Tax Hacks ·

2023/07/20

Whether you’re close to retirement or still far from that exciting date, it’s not uncommon to wonder when you should start preparing for each aspect of it. From figuring out the right time to be debt-free and when to adjust your portfolio risk, to deciding when to plan for your Social Security benefits or healthcare coverage, this episode guides you through the ideal timeline for each. Tune in to find out how far away from retirement you should have answers to these pressing questions. Here are

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311 results

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