We're trying something different this week: a full post-show breakdown of every episode in the latest season of Black Mirror! Ari Romero is joined by Tudum's Black Mirror expert, Keisha Hatchett, to give you all the nuance, the insider commentary, and the details you might have missed in this incredible new season. Plus commentary from creator & showrunner Charlie Brooker! SPOILER ALERT: We're talking about the new season in detail and revealing key plot points. If you haven't watched yet, and you don't want to know what happens, turn back now! You can watch all seven seasons of Black Mirror now in your personalized virtual theater . Follow Netflix Podcasts and read more about Black Mirror on Tudum.com .…
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Content provided by HFM Investment Advisors, LLC, HFM Investment Advisors, and LLC. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by HFM Investment Advisors, LLC, HFM Investment Advisors, and LLC or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
The HFM Advisor Team shares our experiences working everyday with clients going through life’s transitions. We provide some insights into the personal finance topics of the day and even share the mic with guests from our network of outside professionals. We love what we do and who we do it for, so we hope you enjoy getting to know us and learning some things along the way!
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Content provided by HFM Investment Advisors, LLC, HFM Investment Advisors, and LLC. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by HFM Investment Advisors, LLC, HFM Investment Advisors, and LLC or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
The HFM Advisor Team shares our experiences working everyday with clients going through life’s transitions. We provide some insights into the personal finance topics of the day and even share the mic with guests from our network of outside professionals. We love what we do and who we do it for, so we hope you enjoy getting to know us and learning some things along the way!
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Dollar Wise Podcast
1 What Happens to Your Travel Points When You Die? 17:01
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Play Later Play Later Lists Like LikedWelcome back to the Dollar Wise Podcast. In this episode, Catherine Allen-Carlozo and Tyler Reedman dive into an unconventional yet valuable topic: what happens to your travel rewards—points, miles, and loyalty perks—when you pass away? Prompted by a real client experience, the discussion unpacks how various credit card, airline, and hotel programs treat reward balances after death and what estate planning strategies can help preserve them for loved ones. Tune in for an eye-opening conversation that blends financial planning with travel hacking insights.lth without fear. Tune into this episode to also learn: ● Why you don’t technically own your points or miles. ● How to plan ahead to preserve rewards for your loved ones. ● The importance of sharing logins and digital access with trusted individuals. ● Which travel rewards programs allow for point transfers—and which don’t. What we discussed ● [00:01:14] How a client’s passing revealed the complexities of transferring travel points after death. ● [00:02:27] Travel hacking 101: how to use credit card points and loyalty programs for nearly free trips. ● [00:04:50] Why points aren’t considered your property and how that affects estate planning. ● [00:05:45] The critical importance of having logins and account access in estate prep. ● [00:07:19] Common pitfalls with two-factor authentication and password managers. ● [00:09:06] Best practices for storing login info and digital credentials securely. ● [00:10:18] Including travel rewards in your estate plan: who inherits and how to designate. ● [00:12:19] Each airline and hotel chain has its own rules—know them in advance. ● [00:13:22] Credit card churning, signup bonuses, and the art of responsible travel hacking. 3 Things To Remember Your travel points and miles aren’t considered your property—so don’t assume they’ll automatically transfer. Document login credentials, security questions, and instructions for accessing key accounts. If travel rewards matter to you, consider including them specifically in your estate plan or will. Useful Links Connect with Catherine Allen-Carlozo: https://www.linkedin.com/in/catherineballen Connect with Tyler Reedman: https://www.linkedin.com/in/tyler-reedman-cfp%C2%AE-8b29a6101/ Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE…
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Dollar Wise Podcast
1 From Saver to Spender: How to Enjoy Your Money in Retirement Without Fear 9:25
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Play Later Play Later Lists Like LikedWelcome back to the Dollar Wise Podcast! In this episode, Catherine Allen-Carlozo, a Certified Financial Planner at HFM Investment Advisors, explores the transition from being a saver to a spender in retirement. Many retirees struggle with the fear of spending their savings, worrying about outliving their money, market crashes, or unexpected medical expenses. Catherine shares practical strategies to build confidence in spending, create a structured withdrawal plan, and align financial decisions with personal values and goals. If you’ve worked hard to save for retirement, this episode will help you shift your mindset and enjoy your wealth without fear. Tune into this episode to also learn: How to create a steady and predictable income in retirement. The 4% withdrawal rule—what it is and how to apply it. The importance of having a “fun fund” to enjoy your wealth. How working with a financial advisor can provide clarity and peace of mind. What we discussed [00:00:50] The challenge of transitioning from saving to spending in retirement. [00:01:36] Why many retirees feel fearful or restricted about using their savings. [00:02:10] The importance of shifting from a scarcity mindset to an abundance mindset. [00:03:01] Creating a structured withdrawal strategy to mimic a paycheck. [00:03:49] Understanding the 4% withdrawal rule and how it works as a guide. [00:04:46] How setting up a "fun fund" can help retirees enjoy their money guilt-free. [00:05:37] The role of a financial advisor in building a plan and running “what if” scenarios. [00:06:21] Recognizing that you saved for this moment—now it’s time to enjoy it! [00:06:45] Why couples need to discuss their money personalities and financial goals. [00:07:26] How retirees can use their wealth to create meaningful experiences. [00:07:55] Why single retirees should have a financial advocate or “financial friend.” 3 Things To Remember Retirement savings exist to support a purpose-driven life—define what that purpose is. Having a structured withdrawal plan provides confidence and financial security. You worked hard to save for retirement—now give yourself permission to enjoy it! Useful Links Connect with Catherine Allen-Carlozo: https://www.linkedin.com/in/catherineballen Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE…
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Dollar Wise Podcast
1 Lessons from a Banner Year: How 2024 Shaped the Investment Landscape 17:30
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Play Later Play Later Lists Like LikedWelcome back to the Dollar Wise Podcast! In this episode, Jason takes a deep dive into the key financial events of 2024. From understanding the S&P 500's stellar 25% performance to exploring the nuances of inflation, unemployment, and GDP growth, Jason provides a comprehensive reflection on a remarkable year for both the stock market and the economy. He also tackles pressing questions about investment strategies, including the role of diversification, the pitfalls of over-relying on dividends, and how to align your portfolio with your long-term goals. If you're wondering how to stay grounded in the face of market unpredictability, this episode is for you. Tune into this episode to also learn: Why 2024 was a standout year for the S&P 500 and what contributed to its success. How inflation and unemployment trends impacted the broader economy. The ongoing challenges in the bond market and what it means for diversified portfolios. The historical performance of dividend-paying stocks versus a total return approach. What we discussed [00:00:00] An overview of 2024's financial landscape, including S&P 500 growth and economic indicators. [00:01:45] Key factors behind inflation stabilization and its effect on the market. [00:04:57] Challenges in the bond market since 2022 and its interplay with rising interest rates. [00:07:45] The appeal and misconceptions of dividend-focused investment strategies. [00:11:23] Historical data on dividend stock performance versus total return strategies. 3 Things To Remember The S&P 500's 25% growth in 2024 highlights the importance of long-term investment strategies over short-term predictions. Diversification remains a cornerstone of resilient portfolios, even when certain asset classes, like bonds, underperform. Overweighting dividend-paying stocks may seem appealing, but historical data suggests that a total return approach often yields better results. Useful Links Connect with Jason Gabrieli: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE…
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Dollar Wise Podcast
1 Are Multi-Year Guaranteed Annuities a Smart Choice in a Rising Rate Market? 16:51
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Play Later Play Later Lists Like LikedWelcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli, a certified financial planner at HFM Investment Advisors, discusses the increasing interest in multi-year guaranteed annuities as interest rates rise. With more clients and insurance agents inquiring about these products, Jason dives into the pros and cons, potential pitfalls, and considerations to make before adding them to your financial plan. If you're curious about annuities or have received pitches recently, this episode will provide you with essential information to help you make informed decisions. Tune into this episode to also learn: How higher interest rates impact financial products like annuities. The differences between various types of annuities and their specific uses. Key considerations for incorporating multi-year guaranteed annuities into your financial plan. Potential disadvantages of annuities, including tax implications and reinvestment rate risks. What we discussed [00:00:30] Introduction to the episode and topic of multi-year guaranteed annuities. [00:01:32] Overview of how rising interest rates impact savings and investment products. [00:02:37] Explanation of multi-year guaranteed annuities and their function compared to CDs. [00:05:32] Pros and cons of multi-year guaranteed annuities, including principal protection and fixed rate benefits. [00:08:30] Tax implications of annuities and how they differ from other investment vehicles. [00:09:32] Inflexibility and surrender charges associated with early withdrawals from annuities. [00:10:35] Reinvestment rate risk and considerations for long-term financial planning. [00:11:40] Determining if an annuity fits into your financial plan based on the purpose of the money. [00:13:30] Final thoughts on choosing financial products that align with your financial goals. 3 Things To Remember Annuities can provide principal protection and fixed returns but are not always the best fit for long-term investments. Understand the tax implications of annuities, especially when withdrawing growth before principal. Evaluate your financial plan carefully to ensure the products you choose align with your short-term and long-term goals. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 Election Concerns and Investing... Mix at Your Own Risk 15:34
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Play Later Play Later Lists Like LikedWelcome to this episode of the Dollar Wise Podcast. In this episode, Jason Gabrieli discusses the growing concern around election outcomes and their potential impact on investments. With the media heightening fear and uncertainty, Jason offers insight into why emotions can mislead investors and how focusing on long-term goals is essential. He also explains how historical data shows a limited correlation between presidential elections and stock market performance. Jason reminds us to control what we can and stay disciplined in our investment strategy. Tune into this episode to also learn: How to stay disciplined with your investments during election cycles. The limited impact of politics on stock market performance. How media coverage heightens election anxiety. The importance of focusing on long-term goals instead of short-term fears. What we discussed [00:01:35] Why election outcomes create anxiety and how media stirs fear. [00:04:50] The limited impact of presidents and politicians on stock market trends. [00:07:45] Why diversification remains key, no matter the political climate. [00:09:55] The role of the 24-hour news cycle in compounding fears. [00:12:30] Focusing on what you can control, like staying disciplined with your strategy. 3 Things To Remember The impact of elections on the stock market is often overstated; long-term trends tend to rise despite political shifts. Staying disciplined with a well-diversified investment strategy is key during times of uncertainty. Media-driven fear can distort reality; control your exposure to news and focus on your long-term financial goals. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE…
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Dollar Wise Podcast
Welcome back to the Dollar Wise Podcast. Jason Gabrieli is joined by Andrew Barnhardt from the HFM team as they explore tax strategies related to charitable giving, focusing on the benefits of Qualified Charitable Distributions (QCDs) from IRAs. The discussion covers how changes in the tax code impact charitable deductions, who can benefit from QCDs, and key considerations when planning your charitable contributions. This episode is designed to help listeners optimize their charitable giving while maximizing tax benefits. Tune into this episode to also learn: How changes in the standard deduction impact your charitable contributions. The eligibility criteria and benefits of making a Qualified Charitable Distribution. Strategic planning for minimizing required minimum distributions (RMDs) through charitable giving. Common pitfalls and best practices when executing QCDs. What we discussed [00:02:00] The impact of the Tax Cuts and Jobs Act of 2017 on charitable contributions and tax deductions. [00:03:00] Introduction to Qualified Charitable Distributions (QCDs) and their benefits. [00:05:00] Eligibility for QCDs and the age requirements for taking RMDs. [00:07:38] How QCDs can satisfy RMDs and reduce taxable income. [00:09:00] Planning strategies for using QCDs to reduce future RMDs. [00:11:16] Important considerations and limitations when using QCDs. 3 Things To Remember Qualified Charitable Distributions (QCDs) allow you to give to charity while avoiding the taxes typically associated with IRA withdrawals. QCDs can be used to fulfill required minimum distributions (RMDs) without increasing your taxable income. Always ensure QCDs are sent directly to the qualified charity to satisfy IRS requirements and keep detailed records for tax purposes. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Connect with Andrew Barnhardt: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 Beyond the Will, How to Make A Difficult Time Easier on Those Left Behind 23:11
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Play Later Play Later Lists Like LikedWelcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli is joined by Brittany Tedesco from Bratton Law Group to discuss the essential steps and considerations when dealing with the death of a loved one. The conversation covers the importance of having a will, the difference between probate and non-probate assets, and practical advice on how to manage estate administration effectively. This episode aims to provide listeners with crucial insights to ease the burden during such challenging times. Tune into this episode to also learn: Key steps to take immediately after a loved one passes away. The role of a funeral representative in estate planning. Differences between probate and non-probate assets. Practical tips for managing estate accounts and distributions. What we discussed [00:02:00] Immediate steps to take after a death, including waiting periods and obtaining death certificates. [00:04:13] Essential documents for estate planning: wills, powers of attorney, and HIPAA releases. [00:07:56] Differentiating between probate and non-probate assets and their impact on estate administration. [00:10:38] Opening an estate account and managing the deceased's assets. [00:13:22] Filing inheritance tax returns and handling the estate's financial obligations. [00:16:44] Preparing executors for their roles and ensuring open communication with beneficiaries. [00:19:22] The importance of updating beneficiary information and having detailed records. 3 Things To Remember Always have essential estate planning documents in place, including a will and powers of attorney. Understand the difference between probate and non-probate assets to streamline the estate process. Open communication with your executor and family members can significantly ease the estate administration process. Useful Links Connect with Jason Gabrieli: LinkedIn Connect with Brittany Tedesco : btedesco@BRATTONLAWGROUP.COM Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 From Grief to Relief: Saving on Taxes After Saying Goodbye 28:26
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Play Later Play Later Lists Like LikedWelcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli and guest Brian Masessa, CPA from Premier Accounting Services, delve into the financial complexities that arise when a loved one passes away. They discuss the essential steps executors must take, the intricacies of probate, and the importance of proper documentation. Brian explains the different types of taxes involved, including income and estate taxes, and offers advice on how to manage and mitigate these liabilities. This episode is a must-listen for anyone looking to understand how to handle financial responsibilities after a death. Tune into this episode to also learn: The critical steps in the probate process and why timely action is crucial. How to manage and minimize estate and inheritance taxes. The role and responsibilities of an executor in estate management. Tips for preparing and organizing financial documents before death. What we discussed [00:01:19] Introduction to the sensitive topic of financial steps after death. [00:02:38] The role of an accountant in managing estates. [00:06:37] The probate process overview and key documentation needed. [00:10:43] Handling ongoing expenses and income after someone passes away. [00:16:09] Differences between estate and inheritance taxes. [00:24:07] Best practices for preparing and organizing financial documents. 3 Things To Remember Understanding the probate process helps in managing estate complexities efficiently. Proper documentation and early involvement of professionals can save significant tax expenses. Executors must be diligent in their fiduciary responsibilities to ensure fair and legal asset distribution. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Connect with Brian Masessa: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 Smart Not Spoiled: Raising Financially Savvy Kids 17:46
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Play Later Play Later Lists Like LikedIn this episode of the Dollar Wise Podcast, host Jason Gabrieli is joined by Chad Willardson, president and founder of Pacific Capital, bestselling author, and co-founder of GravyStack. Chad shares his journey of teaching financial literacy to children, inspired by his experiences as a father of five. He discusses the development of GravyStack, an innovative app designed to help kids learn about money through practical activities, and the importance of financial education at a young age. Chad also delves into the philosophy behind his book "Smart Not Spoiled," offering practical advice for parents on raising financially responsible children. Tune into this episode to also learn: The inspiration and development behind the GravyStack app Practical steps for parents to teach their kids about money The importance of creating a family mission statement and financial values What we discussed [00:02:27] Financial education and entrepreneurship for kids [00:04:29] Teaching kids about money at home vs. school [00:06:03] Practical tips: No allowance, earning through chores [00:09:11] Integrating GravyStack methodologies into family life [00:11:07] Starting financial education early [00:12:01] Long-term vision for GravyStack and financial literacy impact [00:14:13] Practical steps for parents to get started 3 Things To Remember Kids learn about money through observation and practical experience. Stop giving allowances; instead, offer opportunities to earn. Create a family mission statement and discuss financial values regularly. Useful Links Connect with Jason Gabrieli: LinkedIn Connect with Chad Willardson: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 The Key To Retiring Earlier May Not Be Saving More 14:43
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Play Later Play Later Lists Like LikedWelcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli and Catherine Allen-Carlozo, both CERTIFIED FINANCIAL PLANNERS at HFM Investment Advisors, discuss the most loaded question they encounter: "How much do I need to retire?" This discussion unpacks the factors that influence the answer to this question, highlighting personal spending, lifestyle choices, and strategic financial planning. By exploring various scenarios and personal anecdotes, they offer a comprehensive look into tailoring retirement planning to individual needs. Tune into this episode to also learn: Why retirement planning is highly personalized and varies significantly from one individual to another. The impact of personal spending and lifestyle choices on retirement needs. Strategic approaches to reduce overhead costs and enhance financial readiness for retirement. What we discussed [00:01:01] The complexity of determining the necessary retirement savings. [00:03:43] Strategies to reduce overhead and prepare financially for retirement [00:06:22] Implications of early retirement and maintaining lifestyle with reduced income. [00:09:57] The importance of a detailed personal budget or spending plan when planning for retirement. 3 Things To Remember Retirement needs are highly personalized—what works for one might not work for another. Reducing monthly overhead can significantly impact the amount needed for a comfortable retirement. A detailed and realistic spending plan is crucial for effective retirement planning. Useful Links Connect with Jason Gabrieli: | LinkedIn Connect with Catherine Allen-Carlozo | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 Don’t Let 5% Savings Accounts Distract You From Investing for the Long Term 17:22
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Play Later Play Later Lists Like LikedWelcome back to the Dollar Wise Podcast. In this episode, Jason Gabrielli, a certified financial planner, discusses the current trend of keeping money in cash. With high-yield savings accounts offering around 5%, many investors are unsure whether to invest or leave their money in cash. Jason highlights the importance of understanding historical returns and differentiating between short-term and long-term financial goals. He demonstrates how long-term investments in bonds and stocks have historically outperformed cash, despite recent attractive yields. The episode encourages listeners to align their cash holdings with their financial objectives and offers insights into market trends and behavioral finance. Tune into this episode to also learn: The psychological factors influencing our financial decisions. The historical returns of cash, bonds, and stocks over 30 years. The potential risks of relying on high-yield savings accounts for long-term goals. What we discussed [00:01:17] The current trend of keeping money in high-yield savings accounts. [00:04:07] Behavioral finance and the fear of losses over potential gains. [00:07:21] Historical returns of cash, bonds, and stocks over 30 years. [00:10:50] The importance of aligning cash holdings with financial goals. [00:14:40] How to balance short-term and long-term financial objectives. 3 Things To Remember High-yield savings accounts offer short-term benefits but might not be ideal for long-term goals. Investing in diversified assets, like bonds and stocks, has historically provided better returns over time. Aligning cash holdings with financial objectives is crucial for effective financial planning. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Listen to EP.39 “Let’s Talk About Cash” - Apple | Spotify Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 Unlock the True Potential of Your 401(k) Savings 16:00
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Play Later Play Later Lists Like LikedJason Gabrieli and Tyler Reedman, both CERTIFIED FINANCIAL PLANNERS at HFM Investment Advisors, dispel common misconceptions about 401(k) contributions. They dissect the difference between matching the employer’s contribution and maxing out a 401(k). They discuss contribution limits and strategies to increase contributions incrementally so you can optimize your savings. This episode is a must-listen for anyone looking to take full advantage of their 401(k) potential. Tune into this episode to also learn: The real meaning of 'maxing out' your 401(k) and common misconceptions. How automatic escalation can effortlessly boost your 401(k) savings. The impact of choosing between Roth and pre-tax contributions on your take-home pay. What we discussed [00:01:22] Misconceptions about maxing out 401(k) contributions and the actual limits. [00:06:09] Insights from Vanguard's 'How America Saves' report and average saving rates. [00:08:41] The concept of reverse budgeting and its impact on savings habits. [00:11:00] The benefits of automatic escalation in 401(k) contributions. [00:13:32] The importance of focusing on contribution rates over market performance. 3 Things To Remember Maxing out your 401(k) involves understanding and utilizing the actual dollar limits, not just the employer match. Incremental increases in contributions can significantly impact your retirement savings without overwhelming your current finances. Understanding the nuances between Roth and pre-tax contributions can optimize your long-term savings and tax benefits. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 Affording Retirement in New Jersey: Tax Benefits and Programs for Seniors 13:30
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Play Later Play Later Lists Like LikedWhen you retire, do you want to stay in New Jersey? Jason delves into the common concerns about retiring in New Jersey, such as the state’s reputation for high taxes and living costs. He also covers recent changes and programs like the Senior Tax Freeze and the Stay NJ program that make New Jersey a more appealing retirement destination. Lastly, he discusses the nuances of property and income taxes, providing valuable insights for those considering retirement in the Garden State. Tune into this episode to also learn: How recent tax reforms in New Jersey benefit retirees, particularly concerning property taxes. The implications of the Senior Tax Freeze and Stay NJ program for property tax relief. Key facts about New Jersey's income tax exclusions for retirement income. What we discussed [00:01:00] Debunking myths about retiring in New Jersey due to high costs. [00:02:15] Understanding the Senior Tax Freeze program benefits for retirees. [00:04:23] Introduction to the Stay NJ program and its potential for senior citizens. [00:06:28] Insights into New Jersey's income tax benefits for retirement income. [00:10:02] The significant shift in New Jersey’s estate tax laws and its impact. 3 Things To Remember New Jersey has made significant strides in becoming a more retirement-friendly state through various tax benefits. Programs like the Senior Tax Freeze and Stay NJ aim to alleviate the property tax burden for seniors. Understanding New Jersey’s unique tax exclusions and laws can benefit retirees financially. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 Charge Up Your Savings: Home Improvement and EV Tax Credit Overview 12:58
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Play Later Play Later Lists Like LikedHome improvements, purchasing electric vehicles, and installing a qualified vehicle refueling and recharging apparatus at your home could entitle you to a tax credit. Jason reviews the different types of credits, their requirements, and the importance of consulting a tax advisor to optimize these opportunities to integrate them into your financial plan. Tune into this episode to also learn: Specifics of energy-efficient home improvement credits for installations like doors, windows, and HVAC systems. Details of the residential clean energy credit for adding renewable energy sources to your home. Insights into tax credits for purchasing new and used clean vehicles, including EVs and hybrids. Understanding the alternative fuel refueling property tax credit for installing EV charging stations. What we discussed [00:00:24] Introduction to clean energy tax credits [00:01:39] Home energy improvements and applicable tax credits [00:03:15] Residential clean energy credits for renewable energy installations [00:05:07] Tax credits for purchasing new and used clean vehicles [00:09:26] Credits for installing vehicle refueling and recharging stations 3 Things To Remember Clean energy tax credits offer financial incentives for eco-friendly home improvements and vehicle purchases. Understanding the specifics of these credits is crucial for maximizing benefits. Consultation with a tax advisor is essential for integrating these credits into your financial strategy. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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Dollar Wise Podcast
1 HSA Strategies: Unlocking the Full Benefits of Your Health Savings Account 8:06
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Play Later Play Later Lists Like LikedAre you enrolled in a Health Savings Account? (HSA) In addition to being used for immediate medical expenses, it provides tax advantages and can be used as an additional retirement tool. Jason reviews the requirements for an HSA, such as enrolling in a high-deductible health plan and the potential to invest contributions for long-term growth. He also introduces the concept of a Limited Purpose Flexible Spending Account (FSA), which can complement an HSA by covering specific health expenses like dental and vision care. Tune into this episode to also learn: How HSAs can be strategically used for both immediate and long-term health expenses The criteria and benefits of enrolling in a high-deductible health plan to qualify for an HSA The advantages of investing in HSA contributions to build additional retirement savings Understanding the role and benefits of limited-purpose FSAs in conjunction with HSAs, specifically for dental and vision expenses What we discussed [00:01:14] Eligibility criteria for HSAs [00:02:12] Using HSAs as an investment tool for retirement. [00:03:16] Strategy for utilizing HSAs for future health expenses. [00:05:07] Eligibility and usage of Limited Purpose FSAs 3 Things To Remember HSAs offer tax advantages and can be used for immediate and future health expenses. Investing in HSA contributions can provide additional retirement savings. Limited Purpose FSAs are valuable for covering specific health costs, complementing HSAs. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
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