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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

18:34

Ep 151: How Money Ads Get Your Attention

Phil"s Tax Hacks ·

2022/09/22

We’re bombarded with ads each day in all forms of media. But have you ever taken a closer look at these messages? If we unpack some of these headlines and ads a little bit more, we’re able to clearly understand what emotions they’re trying to elicit. More importantly, we can figure out what companies are trying to sell us. For this episode, we perused the internet for a couple of hours and kept track of various financial planning, investing and retirement ads we came across. Let’s pick apart these

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20:25

Ep 150: Getting Your Financial Decisions Right the...

Phil"s Tax Hacks ·

2022/09/15

There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. In this episode, we’ll explain why these decisions are so important and can’t be undone. It can be tough to know exactly how much risk you should be taking as you prepare your financial plan, but it helps to know what you need to get right the first time. For example, you may have put off getting life insurance, but it’s more affordable the

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25:22

Ep 149: How Procrastination Dooms Your Financial Future

Phil"s Tax Hacks ·

2022/09/08

People have many reasons for procrastinating when it comes to putting a retirement plan together. Let’s explore some of those excuses and why they can be dangerous, and talk about how to overcome them… Join us on today’s episode as we break down these major topics: Why you should still plan for retirement if your parents didn’t, and they turned out fine. (2:40) How to know which advice to believe. (5:00) Money problems don’t go away, so stress is not a good reason to avoid planning. (8:22) Being

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21:35

Ep 148: Going Against the Grain

Phil"s Tax Hacks ·

2022/08/25

Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says. It’s about giving the best advice that you can for each individual situation. On today’s show, we’re going to peel back the curtain to discuss some areas where a good financial advisor’s opinions might go against the grain with mainstream ideas in the industry. Join us on today’s episode as we break down these major topics: How much risk is too much risk for you

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22:42

Ep 147: A Deep Dive Into RMDs (Part 2)

Phil"s Tax Hacks ·

2022/08/18

Everyone we’re working with for a retirement plan has to keep an eye on the age of 72 because that’s when the required minimum distributions begin. While we all know money has to come out of our retirement accounts, it’s not as simple to understand all the requirements and then execute that efficiently. Today we’ll continue our deep dive with part two focused on the inherited account side of things. Listen to part 1: https://philstaxhacks.com/podcast/ep-146-a-deep-dive-into-rmds-part-1/ Join

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23:37

Ep 146: A Deep Dive Into RMDs (Part 1)

Phil"s Tax Hacks ·

2022/08/11

Everyone we’re working with for a retirement plan has to keep an eye on the age of 72 because that’s when the required minimum distributions begin. While we all know money has to come out of our retirement accounts, it’s not as simple to understand all the requirements and then execute that efficiently. Today we’ll provide you a deep dive into RMD starting with the accounts you own in part one. Join us on today’s episode as we break down these major topics: What you need to know and what’s

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20:26

Ep 145: A Tough Conversation – Retirement and Divorce

Phil"s Tax Hacks ·

2022/08/04

We’re going to have a tough conversation about retirement and divorce on today’s episode. How does this difficult decision impact your retirement financially? Join us on today’s episode as we break down these major topics: Why is working with a financial advisor essential during a divorce? (6:10) You don’t want to ignore tax implications of breaking up retirement accounts. (7:04) Rolling a spouse’s retirement account into a new IRA immediately after divorce. (9:33) How divorce can impact Social

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20:21

Ep 144: Retirement Pop Quiz – Can You Get an A+?

Phil"s Tax Hacks ·

2022/07/28

Are you ready for a pop quiz? Today we’re going to do a retirement planning pop quiz. Can you ace these questions? Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 1:24 – At what age should people start saving for retirement? 4:14 – How much do you need for income in retirement? 9:25 – Which do retirees fear the most? 11:17 – What best represents a diversified plan? 16:42 – To avoid running out of money, only take out how much? Read more and get

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23:17

Ep 143: Mailbag - Rates of Return, TSP Investments,...

Phil"s Tax Hacks ·

2022/07/21

We are opening up the mailbag today to answer various questions from listeners and clients. We’ll explore the average rate of return, blue-chip stocks, TSP investments, and much more on today’s show. Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 1:29 – What rate of return should I be getting? 5:02 – Should I move out of blue-chip stocks? 8:22 – Should I move the money in my TSP? 11:49 – Is it time to load up on stocks? 16:24 – Can I make it the

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22:08

Ep 142: Surviving a Bear Market - What Do the Experts...

Phil"s Tax Hacks ·

2022/07/14

What do pre-retirees and retirees need to know about surviving this bear market and a possible recession? On today’s episode, we’ll explore some expert advice on surviving a bear market and whether we agree or disagree with these opinions. Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 1:33 – Value stocks over growth stocks 5:23 – The bear market is a great opportunity for investors 7:10 – Be aware of emotional decision making 13:14 – I would

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15:50

Ep 141: The Enhance Your Retirement Now Act

Phil"s Tax Hacks ·

2022/07/07

A recent article in The Hill paints the EARN Act (Enhancing American Retirement Now), the Senate’s version of the House’s Secure Act 2.0 bill, in a negative light as primarily a tool to give a tax break to rich Americans in a way that ultimately adds to the national deficit and only circumvents problems instead of solving them. We’ll break down the article on today’s episode and share our opinion on what it gets right, and wrong… Watch the video podcast:

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24:27

Ep 140: Investor Beware: Advisor Red Flags

Phil"s Tax Hacks ·

2022/06/23

With the volatility in the market many of us are looking to start working with an advisor. What should we keep an eye out for when shopping around for an advisor? What red flags do we need to be aware of? Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 2:09 – Spotting red flags 2:44 – Works with everyone 6:25 – Good news and certainty 10:35 – Too much jargon 15:02 – More talking than listening Read more and get additional financial resources here:

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28:08

Ep 139: Are You a Risk Taker? Evaluating Your Risk...

Phil"s Tax Hacks ·

2022/06/16

Do you take a lot of risk or are you a conservative investor? On today’s episode, we’ll explore why risk tolerance matters and how understanding our own risk tolerance level can protect our assets and future. Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 0:25 – The current stock market 2:20 – Increasing inflation and retirement 3:56 – Do most people know their risk tolerance level? 5:31 – Are we panicking too much? 8:00 – How often does risk match

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37:18

Ep 138: Top 10 Financial Debates - Part 2

Phil"s Tax Hacks ·

2022/06/09

Let’s continue our conversation on financial debates today. From deferring taxes to using credit cards, what is your opinion on these common financial debates? Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 2:45 – Defer or don’t defer taxes 10:24 – You should never use credit cards 15:53 – Mutual funds or individual stocks 25:03 – Start Social Security as soon as possible 28:31 – Can you DIY retirement planning? Read more and get additional

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30:41

Ep 137: Top 10 Financial Debates – Part 1

Phil"s Tax Hacks ·

2022/06/02

Should you pay the house off before retirement? Do you need to keep your life insurance once retired? Do annuities deserve their bad reputation? On today’s episode, we’ll break down some famous financial debates and how each side approaches these topics. Who do you agree with? Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 1:05 – To pay off the house or to not pay off 7:50 - Individual bonds vs. bond funds 11:18 – Nobody needs life insurance after

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19:57

Ep 136: Are These Retirement Statistics Encouraging...

Phil"s Tax Hacks ·

2022/05/26

We are breaking down some retirement statistics on today’s episode. Are these numbers encouraging or discouraging? Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 1:29 – Women have less saved than men 7:00 - You need $1.04 million to retire 9:29 – 55% of workers plan to continue to work 10:47 - 25% of Americans increased their savings 13:46 – 70 million people are taking Social Security Read more and get additional financial resources here:

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23:04

Ep 135: The Secret to Retirement Success

Phil"s Tax Hacks ·

2022/05/19

So, what really is the secret to retirement success? While it may be harsh, the reality is we are often our own worst enemy when it comes to planning. On today’s episode, we are going to discuss how we, as investors, can get out of our own way in order to have a successful retirement. Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 1:09 – We aren’t being harsh 3:44 – Fear and greed 6:40 – Investing for taxes 9:55 – Too much cash 14:03 – Not doing

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23:40

Ep 134: Countdown to Retirement

Phil"s Tax Hacks ·

2022/05/12

As you count down to the days of retirement there are some important things, you’ll want to cross off your to-do list. On today’s episode, we’re going to break down some of the things you’ll want to get done before this next chapter of life. Watch the video podcast: https://www.youtube.com/channel/UCGS8K5-iPEy6b7fu4pLNLtA Key points: 0:38 – Counting down the days 1:28 – Getting healthy and staying healthy 4:07 – What are you going to do? 9:36 – Catch up and save more 10:31 – Paying off

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26:39

Ep 133: Can I Retire at 55?

Phil"s Tax Hacks ·

2022/05/05

It’s a question more and more people are asking, especially as the workplace continues to change following the pandemic. But are you in a position to step away from a consistent paycheck at age 55? Phil will provide a great look at the reality of early retirement in today’s environment and apply some real-world examples to the discussion. Watch the video podcast: https://youtu.be/cuahFzcAFlw Key points: 1:09 – Background on this topic 3:20 – How many clients want this? 4:05 – Immediate

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18:14

Ep 132: Reasons You SHOULD Get Life Insurance

Phil"s Tax Hacks ·

2022/04/28

The idea of a podcast on life insurance might not sound like the most exciting topic, but we’re going to put a positive spin on it today and tell you why you should get it. Or at the least, consider adding it to your portfolio. Life insurance can serve many different purposes for financial needs and we’ll share a few you might not have thought of on this episode. Watch the video podcast: https://youtu.be/dEGFLe0qJFU Read more and get additional financial resources here:

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