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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

12:05

The Real Numbers Behind the Big Beautiful Bill

Phil"s Tax Hacks ·

2025/08/14

Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mVBook an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment When it comes to tax law changes, even official government summaries can get the details wrong. In this episode, Phil revisits the “Big Beautiful Bill” (BBB) discussion from a few weeks ago with important clarifications and corrections. After

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21:20

You’re Not Ready to Retire If This Is All You’ve Done

Phil"s Tax Hacks ·

2025/08/07

You’ve spent decades building your investment accounts, monitoring the markets, and contributing to your 401(k). That’s great. But here’s the truth: you’re not ready to retire if that’s all you’ve done. Retirement planning isn’t just about your portfolio; it’s about so much more. In today’s episode, Phil dives into all the non-investment decisions that can make or break your retirement.Here’s some of what we discuss in this episode: 💰 Why your portfolio isn’t the only thing you need to focus

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15:12

Not Every Retirement Plan Fits Neatly In A Box

Phil"s Tax Hacks ·

2025/07/31

Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointmentNo two retirements look the same, and often clients come in with circumstances that make a cookie-cutter plan impossible. In this episode, Phil looks at some examples of these more unique and challenging scenarios and explore the solutions you’ll need to successfully retire. If you're looking for a one-size-fits-all retirement plan, you’re not going to find it here, and

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17:19

Separate Accounts, Shared Future: Planning Retirement...

Phil"s Tax Hacks ·

2025/07/24

Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointmentIn this episode, Phil tackles a question many couples face: how do you plan for retirement when your finances have always been separate? Maybe one of you has a pension, the other a 401(k). Maybe you split expenses or handle totally different parts of the budget. Phil explains how to make separate money work for shared goals, whether it’s a second marriage, late-in-life

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21:17

What’s Missing from Dave Ramsey’s 9-Step Retirement Plan

Phil"s Tax Hacks ·

2025/07/17

Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mVBook an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment Dave Ramsey is one of the most recognized voices in personal finance. His 9-step retirement plan is simple, direct, and built for mass appeal. But is it really the best path for your retirement? On today’s show, Phil shares his professional

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22:09

Let's Talk about the Big Beautiful Bill (BBB)

Phil"s Tax Hacks ·

2025/07/10

Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mVBook an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment The Big Beautiful Bill has officially passed, and Phil is here to bring you everything you need to know from a tax and retirement planning perspective. He dives into what really matters, starting with why the headlines and quick Google

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14:40

Should You Gift Now or Leave a Legacy Later?

Phil"s Tax Hacks ·

2025/06/26

You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impact? Let’s talk about how to make that decision with confidence.Here’s some of what we discuss in this episode: 🎁 Why more retirees are choosing to gift now 💸 Understanding gift tax rules and exclusions 🏥 How direct payments for medical expenses avoid gift tax

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17:52

Planning for Retirement When You’ll Never Have an...

Phil"s Tax Hacks ·

2025/06/19

For many parents, retirement planning includes the idea of an empty nest. But what if that’s never going to be your reality? Today, Phil answers a viewer question about how to plan for retirement while continuing to care for an adult child on the autism spectrum. It’s a question more families are facing, and in this episode, we’re walking through the financial and emotional factors that come with a “forever caregiving” retirement. From budgets to housing needs, your retirement roadmap may look

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16:14

Big Changes - The 4% Rule Gets a Makeover

Phil"s Tax Hacks ·

2025/06/12

The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In a world of volatile markets, tax surprises, and rising longevity, the idea that one percentage could work for everyone isn’t always the best default approach.Here’s some

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11:48

Let’s Talk Target-Date Funds: Pros and Cons

Phil"s Tax Hacks ·

2025/06/05

Target-date funds seem like the ultimate “set it and forget it” retirement strategy, but are they really as simple and safe as advertised? In today's episode, Phil unpacks these popular, automatic investment options that now hold over $4 trillion in assets. If you’re like many people, your 401k automatically funnels your money into these funds based on your retirement date. Convenient? Definitely. Optimal? Maybe not.Here’s some of what we discuss in this episode: 🎯 How target-date funds became

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20:42

Key Things For Parents & Grandparents To Teach A New...

Phil"s Tax Hacks ·

2025/05/29

Graduation season is an exciting milestone, not just for the grads, but for parents and grandparents who have supported them along the way. Today, Phil wants to share practical ways you can help your graduate make smart financial decisions early, along with actions that could have a lasting impact on their future.Here’s some of what we discuss in this episode: 📊 The tools that make budgeting easier 📈 How Roth IRAs offer lifelong tax benefits 🔧 Debt management without shame or fear 💰 Why early

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17:52

5 Ways Wishful Thinking Can Damage Your Retirement

Phil"s Tax Hacks ·

2025/05/22

A little hope is good for the soul, but when it comes to retirement planning, wishful thinking can lead to serious financial mistakes. Today, Phil is walking through five common examples of wishful thinking that can quietly damage your retirement and how you can build a plan that protects your future instead of relying on luck.Here’s some of what we discuss in this episode: 💸 The hidden cost of "I'll spend less in retirement" 🕰️ The risk of assuming you’ll work forever 🍀 Why “I’ll just get

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18:46

A Market Strategy for Type A Investors: Why Doing...

Phil"s Tax Hacks ·

2025/05/15

Today Phil’s talking about Type A personalities. If you’re driven, competitive, and goal-oriented then you’re part of the club that often struggles during difficult markets. When things get tough, your instinct is to work harder, push more, and fix the problem. But in investing, that instinct can sometimes backfire.In this episode, Phil unpacks the tension between action and restraint when markets get choppy. He explores why high achievers often feel anxious during downturns, even when their

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17:49

Why The Psychology of Money Says Your Emotions Matter...

Phil"s Tax Hacks ·

2025/05/08

Today Phil’s kicking off his new Financial Book Club with The Psychology of Money by Morgan Housel. This book isn’t just about money strategies. It’s about why we make the choices we make, even when they don’t seem to make sense. You might find that your mindset is a bigger advantage than any investment tip. If you’ve ever wondered why it’s so hard to stick to the “smart” plan, this conversation might hit closer to home than you expect.In this episode, Phil explores four powerful ideas from the

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23:17

Can Real Estate Boost Your Retirement Plan?

Phil"s Tax Hacks ·

2025/04/24

Can real estate actually boost your retirement plan? Is renting a property a reliable source of income, or just added stress? The short answer: it depends. In this episode, Phil breaks down the many ways real estate can support- or complicate- your retirement strategy. From rental properties and house flipping to reverse mortgages, REITs, and home equity lines of credit (HELOCs), this episode covers the most common approaches people consider and the mistakes they don’t always see coming.Here’s

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18:23

Turn Your Savings Into a Real Retirement Plan

Phil"s Tax Hacks ·

2025/04/17

You’ve worked hard, saved diligently, and now you’ve got a solid 401(k) and a few other accounts... but now what? In this episode, Phil answers a common question submitted by one our listener’s: How do I turn my savings into a real retirement plan?We’ll walk through how to shift from accumulation to distribution, and explains how to organize your financial "stuff," take inventory, and define what retirement will look like for you. Here’s some of what we discuss in this episode: 🗂️ Why a financial

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17:37

Is 2025 a Bad Time to Retire?

Phil"s Tax Hacks ·

2025/04/10

Thinking about retiring in 2025? You're not alone, but the timing might feel a little... complicated. With stock market swings, whispers of a recession, economic uncertainty, federal layoffs, and tariffs making headlines, it's no wonder many are feeling uneasy. But what if you had 2025 circled on the calendar long before all this? Is it still a smart time to step away, or could it be the worst possible moment?Here’s some of what we discuss in this episode: 🔄 Market dips, rebounds, and what they

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16:15

Stop Sacrificing Your Future For Your Adult Kids

Phil"s Tax Hacks ·

2025/04/03

How much support is too much when it comes to helping your adult children financially? A growing number of retirees are facing the dilemma of supporting adult kids at the expense of their own retirement goals. Let’s talk about how to prioritize your finances and why keeping your kids on the payroll could erode away everything you’ve worked for.Here’s some of what we discuss in this episode: 👨‍👧‍👦 Supporting adult kids? It might be more than you realize 📉 Unplanned help can quietly erode your

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19:50

Caring for an Aging Parent: Financially Smart or...

Phil"s Tax Hacks ·

2025/03/27

Caring for aging parents is something many of us will face—but few are fully prepared for the financial, emotional, and logistical challenges that come with it. In this episode, we will tackle this common scenario for Baby Boomers and discuss what happens when you're part of the “sandwich generation”—caring for both kids and aging parents.Our question today comes from someone whose 93-year-old mom has fallen twice in the past month, and he’s weighing two options: bring her to live with him or pay

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15:39

The HSA Secret: Can You Really Build a Tax-Free...

Phil"s Tax Hacks ·

2025/03/20

Are HSAs one of the best tax-advantaged accounts out there? Can you really stockpile a massive balance and use it tax-free in retirement? This is what a listener wants to know so we’ll analyze whether that’s a potential pitfall or if she’s maximizing this planning tool.Here’s some of what we discuss in this episode: 💰 HSA = A Supercharged Roth IRA? – Why it’s better than traditional retirement accounts 🧾 Save Your Receipts! – The secret to accessing tax-free funds later 📊 Investing Your HSA

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311 results

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