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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!

business investing

All Episodes

18:12

Mastering Retirement Cash Flow: Understanding Income

Phil"s Tax Hacks ·

2023/07/13

Get ready to finish up our conversation on retirement cash flow! This time, we're diving into the income side of the equation. In our first two parts, we tackled the ins and outs of your expenses in retirement. Now, it's all about understanding the crucial role of income analysis. Here are some of the things we’ll address in this episode: 1:58 – Understand your retirement income 3:21 – Diversifying income streams 6:08 – Guaranteed vs non-guaranteed income 10:24 – Paycheck vs playcheck concept

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20:13

Bad Money Habits Could Spoil Your Retirement Party

Phil"s Tax Hacks ·

2023/06/29

Picture this: You're at your retirement party, finally ready to enjoy your golden years, but worries caused by some bad money habits have robbed you of fully enjoying the sweetness of the day. It happens to more people than you think, which is unfortunate because, with just a little bit of modification, you can rid some of the worst money habits from your life and set yourself up for retirement success. Here are some of the things we’ll address in this episode: 2:40 – Being addicted to the rising

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17:12

Counterintuitive Advice: Why You Should NOT Invest In...

Phil"s Tax Hacks ·

2023/06/22

Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it's important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-provoking episode as we dissect the reasons why someone should NOT invest in a 401(k). Here are some of the things we’ll address in this episode: 2:01 – If

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19:53

Mastering Retirement Cash Flow: Understanding...

Phil"s Tax Hacks ·

2023/06/15

In this episode, we’re back to explore many of the expenses in your life that might drastically change (one way or another) in retirement. We’ll break those expenses down further to see which ones are the top priorities and analyze some of the other factors that impact your cash flow in retirement. In part one of this series, we covered some of the must-haves in retirement planning, such as housing, healthcare, food, and clothing costs. In this episode, Phil will discuss the importance of

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25:54

Mastering Retirement Cash Flow: Understanding...

Phil"s Tax Hacks ·

2023/06/08

In this episode, we’ll explore many of the expenses in your life that might drastically change (one way or another) in retirement. We’ll break those expenses down further to see which ones are the top priorities and analyze some of the other factors that impact your cash flow in retirement. Whether you're approaching retirement or already enjoying it, this episode is filled with essential tips and strategies that will empower you to make informed financial choices, ensuring a comfortable and

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24:12

Ep 185: Top Money Mistakes In Retirement (Part 2)

Phil"s Tax Hacks ·

2023/06/01

In the complex world of retirement planning, there are countless pitfalls one could fall into. In this episode, we've distilled it down to what we believe are the top 10 mistakes to watch out for. In part two of this two-part episode, we’re going to discuss the next 5 money mistakes that Phil often sees in retirement planning. Here are some of the things we’ll address in this episode: 1:21 – Not having a clear retirement goal 4:22 – Not accounting for inflation in your retirement budget 10:50 –

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20:58

Ep 184: Top Money Mistakes In Retirement (Part 1)

Phil"s Tax Hacks ·

2023/05/25

In the complex world of retirement planning, there are countless pitfalls one could fall into. In this episode, we've distilled it down to what we believe are the top 10 mistakes to watch out for. In part one of this two-part episode, we’re going to discuss the first 5 money mistakes that Phil often sees in retirement planning. Here are some of the things we’ll address in this episode: 2:30 – Ignoring future tax implications of your retirement savings 5:51 – Starting Social Security too early 9:59

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24:53

Ep 183: Key Finance Decisions During Major Life...

Phil"s Tax Hacks ·

2023/05/18

Are you ready to take control of your finances during life's most pivotal moments? In this episode, we dive into the complex world of financial decision-making during key life events. From the excitement of getting remarried or entering retirement to the challenges of divorce and the loss of a loved one, we'll provide practical tips and guidance to help you make informed decisions and maintain financial stability. Here are some of the things we’ll address in this episode: 1:21 – Financial

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17:42

Ep 182: Unsure, Confident or Certain: Retirement...

Phil"s Tax Hacks ·

2023/05/11

In today’s episode, we’re going to focus on the three categories that many clients fall into when starting their retirement planning journey: The unsure, the confident, and the certain. Whether you have no idea if you can retire or if you’re positive that you have sufficient funds to retire, we’ll cover some critical areas of retirement planning that you need to pay attention to. Here are some of the things we’ll address in this episode: 1:10 – The “I have no idea if I can retire” client 5:24 –

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17:06

Ep 181: Should You Relocate In Retirement?

Phil"s Tax Hacks ·

2023/05/04

Today, we'll be discussing some challenges of moving amidst the current climate, particularly for pre-retirees and retirees. We recently came across a Vanguard article that proposes a way to potentially add $100,000 to one's retirement savings by selling and relocating to a different state. Is this a feasible strategy? We’ll answer that question and more about relocating in this episode. Here are some of the things we’ll address in this episode: 1:06 – Some things to think about if you’re

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28:53

Ep 180: Crash Course: The Psychology of Investing in...

Phil"s Tax Hacks ·

2023/04/27

Have you ever wondered why you handle money the way you do? It turns out your financial behaviors can be traced back to your formative memories. In this episode, we examine how significant market crashes of the past might be impacting your current money management habits. Here are some of the things we’ll address in this episode: 1:32 – The ripple effects of the Great Depression 3:29 – Soaring interest rates 8:21 – Black Monday to the Dotcom bubble 16:15 – The impact of the Great Recession 18:57 –

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14:33

Ep 179: A Comprehensive Dismantling Of 2023’s Top...

Phil"s Tax Hacks ·

2023/04/20

We’re back for part two of this two-part series! In episode one, we debunked the first five common Social Security misconceptions and set the record straight. Today, we'll take on the next five myths that have been causing confusion and misinformation about Social Security. Here are some of the things we’ll address in this episode: 1:28 – Can I work and still receive Social Security benefits? 5:09 – You don’t have to be a U.S. citizen to receive benefits. 6:35 – If I have a pension, will I not

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21:02

Ep 178: A Comprehensive Dismantling Of 2023’s Top...

Phil"s Tax Hacks ·

2023/04/13

Have you ever wondered if the Social Security system will run out of money before you retire? Or if claiming benefits as soon as you're eligible is the best decision for your financial future? In this two-part episode, we'll be debunking common myths about Social Security and answering the questions you've been curious about. Here are some of the things we’ll address in this episode: 1:40 – Why Phil doesn’t recommend turning to the Social Security Administration for benefit strategies. 4:26 – Even

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18:27

Ep 177: Fore Your Retirement: What Golf Teaches Us...

Phil"s Tax Hacks ·

2023/04/06

Are you a golfer? Even if you're not, the game of golf can teach us valuable lessons about retirement planning. For example, hitting a hole-in-one might be thrilling, but it won't necessarily guarantee your overall success. And just like you need different clubs in your golf bag to play a round, you need a well-balanced approach to your investments in retirement. Tune in to this episode to learn more about how the game of golf can help you plan for a successful retirement. Here are some of the

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26:05

Ep 176: Back to the Basics - Retirement Saving...

Phil"s Tax Hacks ·

2023/03/30

Are you aware that not all retirement accounts are created equal? In this episode, we'll delve into the different types of retirement accounts, including 401(k)s, IRAs, Roths, and several other examples. We’ll help you weigh the pros and cons of each and give you insights into the purposes they serve so that you can choose the best account for you. Here are some of the things we’ll address in this episode: 1:01 – What are the pros and cons of company-sponsored retirement plans? 5:02 – The

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17:45

Ep 175: Moving Your Retirement Goalpost - Is It Worth...

Phil"s Tax Hacks ·

2023/03/23

Do you ever feel like your retirement planning goals are always moving? You're not alone. We’ve found that people often move the goalposts in their own retirement planning, often to their detriment. In this episode, we're diving deep into the psychology of retirement planning and the dangers of moving the goalposts. Here are some of the things we’ll address in this episode: Why cash does not work for long-term goals and investment. (1:51) The danger of the “I’ll get serious about saving next year”

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17:48

Ep 174: Lessons Learned from the Silicon Valley Bank...

Phil"s Tax Hacks ·

2023/03/16

The Silicon Valley Bank situation has gotten all of the financial headlines over the past week, and rightfully so. The event immediately triggered worries that another 2008 event might happen again, but is that concern justified? In this episode, we’ll explain why this run on SVB happened, what it really means, and what lessons we can learn from this. Here are some of the things we’ll address in this episode: The details of what really happened with SVB. (1:16) What are the ripple effects of this

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17:54

Ep 173: The Incomplete Financial Plan

Phil"s Tax Hacks ·

2023/03/09

On this episode, we'll be pointing out the most common areas people overlook when planning and provide actionable tips to ensure that your plan is as comprehensive as possible. The good news for anyone that feels they’ve overlooked any of these items is that they are all correctable by taking the time with an advisor to do some proper planning. Here are some of the things we’ll address in this episode: How prepared are you for a market downturn early in retirement? (1:24) Inflation is on

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17:30

Ep 172: Top 10 Tax Questions for Retirees in 2023

Phil"s Tax Hacks ·

2023/03/02

On today’s episode, we’ll break down the top ten tax questions retirees are asking in 2023. Before you file your 2022 taxes and plan ahead for the rest of the year, make sure to listen to this episode as we’ll discuss some important tax questions that retirees should ask themselves to ensure they're making the most of their retirement savings and minimizing their tax burden. Here are some of the tax questions we’ll address in this episode: What are the tax implications of withdrawing money from

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18:39

Ep 171: 5 Beneficiary Mistakes - Are You Accidentally...

Phil"s Tax Hacks ·

2023/02/16

For some people, leaving a legacy is one of the most important goals for their financial plan. Not only do they want to leave as much as possible, but they also want to make sure those assets go to their intended beneficiaries. On this episode, we’ll address five, unfortunately, common beneficiary mistakes. Are you making one of these beneficiary mistakes? If so, it could cost you and your loved ones dearly. Some of the simplest mistakes can completely spoil an otherwise well done retirement

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