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Welcome to The Fiscal Physical Podcast, where financial empowerment meets expert insights! Join host Aaron Hoisington in dynamic conversations with Ryan Nelson, owner of Alchemy Wealth Management and author of "Your Fiscal Physical." Whether you're a finance novice or a seasoned investor, each episode demystifies financial concepts, providing practical tips tailored for every stage of your financial journey. Our engaging discussions aim to make finance accessible and exciting for everyone.
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#20 - Estate Tax: How is your money taxed when you pass it to your loved ones? Are the tax consequences different when the money transfers after you pass away vs if you give it while you are still alive ...
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Send us a Text Message. Unlock the secrets to preserving your financial legacy without getting caught in the taxman's net, as I, Aaron Hoisington, team up with Ryan Nelson, the financial maestro from Alchemy Wealth Management, on the latest Fiscal Physical Podcast. We're going beyond the headlines to bring you a crystal-clear breakdown of the annua…
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#19 - Long Term Capital Gains: Are investments gains taxed differently than income from work?
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Send us a Text Message. Unlock the secrets of long-term capital gains with our financial whiz Ryan Nelson from Alchemy Wealth Management, and ease the mystery around your investment taxes. We'll walk you through the different tax rates for various income levels, especially for married couples filing jointly, and show you how to optimize your portfo…
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#18 - Income Taxes: How does the progressive tax system actually work? Does extra income actually cause you to "jump up" tax brackets?
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Send us a Text Message. Understand the secret sauce behind the U.S. tax system as we sit down with Ryan Nelson, the financial wizard from Alchemy Wealth Management and the brains behind "Your Fiscal Physical." We're unlocking the real story on tax brackets, dispelling myths left and right, and teaching you how your hard-earned dollars fill up the t…
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#17 - Options for Your Old 401(k): How to handle your 401(k) once you are no longer employed with your past employer | Listener Question
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Send us a Text Message. Have you ever found yourself at a career crossroads, pondering the fate of your 401(k) and feeling lost in the sea of financial decisions? Fear not, as we've summoned the wisdom of Ryan Nelson from Alchemy Wealth Management to navigate these choppy waters. Together with my co-host, Aaron Hoisinton, we dissect the maze of opt…
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#16 - Asset Location: What is asset location? How do tax implications change for the same investments depending on the account type they are owned in?
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Send us a Text Message. Unlock the secrets of savvy asset placement with financial wizard Ryan Nelson as we tackle the big questions about investment strategies and tax efficiency. Prepare to navigate the complex world of Roth IRAs, traditional IRAs, and brokerage accounts as we reveal how the right choices can lead to substantial tax savings and o…
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#15 - Mutual Funds vs. ETFs: How to decide between owning a mutual fund and an ETF? Is there value to passive vs active management?
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Send us a Text Message. Get ready to unravel the mysteries of mutual funds and ETFs with the guidance of Ryan Nelson from Alchemy Wealth Management. This week's episode is a treasure trove of insights, where Ryan dissects the intricacies behind each investment vehicle – from the initial buy-in hurdles to the nitty-gritty of cost discrepancies. Whet…
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#14 - Exchange Traded Funds (ETFs): What is an ETF? What are the pros vs cons of ownership? Is an ETF right for you?
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Send us a Text Message. Unlock the secrets of Exchange Traded Funds with the help of Ryan Nelson from Alchemy Wealth Management, who joins me, Aaron, in a discussion that will alter your understanding of investments. Together, we shatter the myths surrounding ETFs and mutual funds, underscoring the unique features that make ETFs a prudent choice fo…
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#13 - Mutual Funds: What is a mutual fund? What are the pros vs cons of ownership? Is a mutual fund right for you?
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Send us a Text Message. Unlock the mystery of mutual funds with none other than the financial wizard of Alchemy Wealth Management, Ryan Nelson. As his book 'Your Fiscal Physical' turns pages, so will your understanding of this investment staple after our enlightening chat. Peer into the past to grasp how mutual funds have shaped the investment land…
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#12 - Emergency Savings: Why are emergency savings important? Where to save it and how much is too much?
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Send us a Text Message. Unlock the secret to financial resilience as financial guru Ryan Nelson of Alchemy Wealth Management joins us to demystify emergency savings. Learn why having a safety net is more crucial than chasing the highest return when life throws you curveballs. Our chat goes beyond the basics, offering a personalized approach to dete…
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#11 - Pro-Rata Rule: What is the Pro-Rata Rule? How to make backdoor Roth contributions when you already have Traditional IRA funds. | Listener Question
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Send us a Text Message. Are you navigating the murky waters of Roth IRA contributions with an income that just won't play nice with IRS limits? Have no fear; Ryan Nelson from Alchemy Wealth Management joins Host Aaron Hoisington, to cast a lifeline of clarity. In our enlightening conversation, we dive into the 2024 income limits for those who are s…
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#10 - Mega Backdoor Roth IRA: What is a mega backdoor Roth contribution? How is it different from a standard backdoor Roth contribution? Is it Ethical and Legal? Why might someone want to do one?
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Send us a Text Message. Unlock the full potential of your retirement savings with a deep dive into the mega backdoor Roth IRA, a strategy that's as mighty as it is mysterious. Together with Ryan Nelson, we explore the nuances of maximizing your 401(k) through after-tax contributions and conversions, potentially catapulting your nest egg to new heig…
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#9 - Backdoor Roth IRA: What is a backdoor Roth contribution? Is it Ethical and Legal? What are ther implications and why might someone want to do one?
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Send us a Text Message. Unlock the full potential of your financial future as wealth management expert Ryan Nelson guides us through the intricacies of Roth IRAs. In a conversation brimming with strategic advice, we examine how to maximize your retirement contributions by hitting the 2024 cap of $7,000 and delve into the critical impact that missin…
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#8 - Roth Conversions: Why would you want to perform a Roth conversion? What is it and what are the tax consequences?
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Send us a Text Message. Embark on a journey to financial literacy with Aaron Hoisington and financial wizard Ryan Nelson from Alchemy Wealth Management, as we untangle the intricate web of Roth conversions. This week's Fiscal Physical Podcast is a treasure trove of strategic maneuvers, from judiciously transferring retirement assets from Traditiona…
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#7 - Roth IRAs vs. Traditional IRAs: Discuss the current and future tax implications of investing in a Roth IRA vs a Trad IRA, determine which is right for you
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Send us a Text Message. Unlock the secrets to savvy retirement planning as financial wizard Ryan Nelson joins us on The Fiscal Physical Podcast to dissect the world of Roth IRAs versus Traditional IRAs. We're not just talking about dull investment advice; we're revealing the nitty-gritty of how a simple decision like where to stash your $5,000 can …
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#6 - Bond Value in a Portfolio: Should an aggressive Investor hold any bonds? | Listener Question
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Send us a Text Message. Discover the secrets of smart investing as Ryan Nelson, the financial architect behind Alchemy Wealth Management and author of "Your Fiscal Physical," joins us to demystify asset allocation's pivotal role in building a resilient portfolio. Imagine navigating the treacherous waters of the stock market, where the presence of b…
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#5 - Asset Allocation: How to properly divide your investment portfolio into different asset classes
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Send us a Text Message. Discover the keys to a fortified financial future as we sit down with Ryan Nelson, investment sage from Alchemy Wealth Management, on The Fiscal Physical Podcast. This week, we unravel the mysteries of asset allocation and diversification, revealing how a strategic spread of your investments can be your portfolio's shield ag…
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#4 - Bonds: What is a bond, how do they work and the pros vs cons of owership
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Send us a Text Message. Join the enthralling exploration of bonds with financial whiz Ryan Nelson from Alchemy Wealth Management as we unravel the mysteries of this fundamental investment tool. Prepare to be captivated by the allure of these secure, structured investments - a perfect blend of risk and return that may just be the missing piece in yo…
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#3: Stock Dividends: What is a Dividend, how are they paid and how to use them strategically
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Send us a Text Message. Unlock the mysteries behind stock dividends with us, Aaron Hoisington and financial whiz Ryan Nelson from Alchemy Wealth Management, as we dissect the allure of these corporate payouts. Ever wondered how holding onto shares in behemoths like Apple could mean extra cash in your pocket? We're peeling back the layers to reveal …
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#2 - Stocks: What are stocks, how do they work and the pros vs cons of ownership
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Send us a Text Message. Ever wondered how owning a sliver of a big-name company could impact your wallet? Get ready to unravel the mysteries of the stock market with me, Ryan Nelson, your guide to investing with confidence. We kick things off by breaking down what stocks really mean for your finances. Imagine holding a piece of Apple or Google in y…
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Send us a Text Message. Embark on a journey to financial clarity with me, Aaron Hoisinton, as I sit down with Ryan Nelson, the financial sage behind "Your Fiscal Physical." Ryan's leap from engineering gears to financial gears unveils a stark reality—a world starved of simple money talk. Together, we tackle the elephant in the room: why is discussi…
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Send us a Text Message. Introducing: The Fiscal Physical Podcast with Ryan Nelson and Aaron Hoisington. Whether you're a finance novice or a seasoned investor, each episode demystifies financial concepts, providing practical tips tailored for every stage of your financial journey. Our engaging discussions aim to make finance accessible and exciting…
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