Merger Mania

Handcuffing employees to companies often occurs by granting employer stock. In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss the specifics around non-qualified stock-based compensation, employee stock purchase plans, and margin of safety involved with employer stock programs. They also cover the crypto rally* as well as high-yield savings accounts and why you should consider the tax implications of cash.

Watch it on our YouTube channel: https://youtu.be/cVjn61TDPtA

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Employer Stock

00:00—Intro
01:09—Stock purchase plans
04:51—Tax loss harvesting
05:45—When to sell or diversify
08:24—Employee stock purchase plans

Central Bank Roundup
12:51—PCE number
15:57—Australia and New Zealand

Mailbag

19:53—Crypto*
21:31—High-yield savings account losses

*This podcast is intended strictly for educational purposes only and is not a recommendation for or against cryptocurrency.

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

 If you enjoyed learning about employer stock options, be sure to follow the Your Money Momentum podcast published twice monthly where you listen to your favorite pods or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook | Instagram | X (Twitter)| YouTube

In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss the multiple ways for avoiding capital gains tax. They discuss tax loss harvesting, wash sales, and other strategies. They also take a look at the latest news headlines. For additional tax strategies, check out our Income Tax Strategy Guide.

Find it Fast:  Avoiding Capital Gains Tax

Capital Gains
00:00—Intro
01:11—When are you taxed?
04:51—Tax loss harvesting
06:48—Wash sale strategy
08:31—Two ways to avoid capital gains tax entirely

Something or Nothing
12:53—Elon Musk ditching Delaware
16:56—Maersk suspended dividend
19:01—KoBold startup finds massive copper deposit
21:10—Turkey hyperinflation
24:43—CAPE ratio 

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

If you enjoyed learning about avoiding capital gains tax, listen in to the Your Money Momentum podcast published twice monthly where you listen to your favorite pods or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook  | Instagram | X (Twitter)| YouTube

Do you go into the market making investments based on what your friends and family are doing, or do you think you’re immune to influences? In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II cover the various types of stock market bias you may not realize you have that can derail your portfolio. For additional information on bias, check out our guide on Avoiding Investment Bias.

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Stock Market Bias
00:00—Intro
01:19—Psychology of investing bias 

Central Bank Roundup
11:37—Powell speaks 

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

Listen in to the Your Money Momentum podcast published twice monthly where you listen to your favorite pods or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook  | Instagram | X (Twitter)| YouTube

If you have the option through your employer-sponsored retirement plan to make non-deductible contributions to an IRA after you max out your 401(k) limits, you may be able to use a Backdoor Roth.  In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II cover the specifics. Work with your CPA or financial advisor before you make these rollovers.  We also discuss long-standing financial trends, the potential for a Eurozone downturn, and emerging markets debt.  

Find it Fast: Backdoor Roth IRA Rollover

Backdoor Roth Strategy
00:00—Intro
1:30—New contribution limits
2:50—After-tax backdoor rollover to Roth IRA for income-restricted investors
8:15—Step rule transaction

Headlines
12:50—Are long-standing financial trends like the 0% interest rates over?
15:00—Is the Eurozone headed for another downturn?
17:02—Emerging markets debt issuance hits a record
19:37—DeepMind using AI to reduce drug development times

Review and Outlook
21:55—Review bold prediction that S&P 500 nearly hit 5,000
22:10—How the market changes during an election year
27:01—Are we currently in a recession?   

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

Listen in to the Your Money Momentum podcast published twice monthly where you listen to your favorite pods or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook  | Instagram | X (Twitter)| YouTube

People are wondering if we should still be concerned about a recession. In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss inflation, the four pillars of recession, and lowering interest rates. They also discuss the Goldilocks scenario and sovereign debt crisis.

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Find it Fast: Four Pillars of Recession

Monthly Review:
00:00—Intro
00:30—November in review
05:50—Four pillars of recession
15:20—Housing prices increasing 

Bold Predictions:
18:46—December market
22:00—Recession delay by election season

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

Listen in to the Your Money Momentum podcast published twice monthly. If you like this end-of-year planning episode, check out our previous show End of Year Planning, or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook  | Instagram | X (Twitter)| YouTube

At this point, you’re probably wondering if the Fed is shooting darts, or if they actually know what they’re doing when it comes to interest rates. In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II cover the Fed, Japanese equities, and dig into some end-of-year planning strategies.

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Central Bank Roundup:
00:00—Intro
02:00—Will the Fed hike again? Is the Fed shooting darts?
06:58—Bank of Japan and Japanese equities

Role Play:
10:44—JP Morgan Jamie Dimon
13:05—ARK Invest Cathy Wood
14:48—Open AI Sam Altman
17:12—Stephen A. Schwarzman
19:23—Venture Capital and Mark Anderson

Five Good Minutes: Taxes and end-of-year planning
21:17—Tax loss harvesting
23:50—Charitable giving
25:36—Pre-tax accounts like 401(k) and IRA
27:27—Changes for 2024

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

This podcast is intended strictly for educational purposes only and is not a recommendation for or against cryptocurrency.

Listen in to the Your Money Momentum podcast published twice monthly. If you like this end-of-year planning episode, check out our previous show Open Enrollment Tips, or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook  | Instagram | X (Twitter)| YouTube

In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II cover several financial topics including the big sell-off, reinvestment risk, and bond laddering. They also offer a bold prediction on whether rates have peaked.

Watch the video podcast on YouTube

Find it Fast: October Review

The Month of October Review:
00:00—Intro
00:41—October’s sell-off
10:28—Five good minutes on reinvestment risk
16:21—Bond laddering

Bold Predictions:
21:19—NFL
22:27—Have rates peaked?

Listen in to the Your Money Momentum podcast published twice monthly. If you like this episode, check out our previous show Open Enrollment Tips, or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook  | Instagram | X (Twitter)| YouTube

What are wealth markers and why should we care? In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II cover several interesting topics including mortgage rates, debt to GDP, and Crypto.  They also discuss how Ireland’s rise correlates to increased wealth.

If you’ll be signing up for Medicare soon or know someone who is, watch the Medicare Tips video Tom and Kevin mentioned at Your Money Momentum.

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Find it Fast: Watching Wealth Markers

Something or Nothing:
00:00—Intro
02:42—Ireland’s rise in SUVs
05:33—23-Year high in mortgage rates
11:18—Oil merger mania
15:10—Debt to GDP
17:20—Microlino

Mailbag Questions:
19:35—Crypto*
23:27—Bonds

Listen in to the Your Money Momentum podcast published twice monthly. If you like this episode, check out our previous show Open Enrollment Tips, or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook  | Instagram | Twitter  | YouTube

*This podcast is intended strictly for educational purposes only and is not a recommendation for or against cryptocurrency.

Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Financial planning services offered through Global Wealth Advisors are separate and unrelated to Commonwealth. Global Wealth Advisors Headquarters is located at 4400 State Hwy 121, Ste. 200, Lewisville, TX 75056, (972) 930-1238, or at info@gwadvisors.net.

Feeling like you relived the entirety of 2022 in September? In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II dig into last month’s numbers and spend several good minutes discussing tips for employee open enrollment.

Find it Fast: 

Month-End Financial Update:
00:00—Intro
01:11—Market review with charts

A Few Good Minutes:
14:18—Open enrollment tips

Bold Predictions:
19:52—Banking failures
21:30—Sports

Listen in to the Your Money Momentum podcast published twice monthly. If you like this episode, check out our previous show Cash is King, or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook  | Instagram | Twitter  | YouTube

If cash is king, what do you do with it? In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss what to do with your cash. Listen in as they dig into money market accounts, treasury bills, CDs, and municipal bonds. They also answer your questions about the future of bank failures, how political seasons affect the market, and the best books for beginners. Here are some links to the books mentioned if you want some good reads for younger family members this holiday season:

• Rich Dad Poor Dad
• Liar’s Poker
• Simple Wealth Inevitable Wealth
• The Big Short

Watch it on YouTube

Find it Fast: Cash is King

Central Bank Roundup:
00:00—Intro
01:58—Rates, core inflation and spending
05:15—Jobs numbers
08:50—Strength of the dollar

Cash is King in Five Good Minutes (OK, 11 minutes):
09:09—Money market rates
14:38—What is a duration risk  
16:51—CDs and municipal bonds

Mailbag:
20:43—Will there be more bank failures?
22:43—How do political seasons affect the markets?
24:12—What are the best investing books for beginners?

Listen in to the Your Money Momentum podcast published twice monthly. If you like this Cash is King episode, check out our previous show Building an Efficient Income Stream or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook  | Instagram | Twitter  | YouTube