Can a personal injury derail your financial future? Dustin Taylor and co-host Kyle Howell sit down with attorney Anissa Morris of Spinner Law to explore how accidents, distracted driving, and unexpected injuries intersect with wealth management. From protecting clients through insurance coverage to safeguarding settlements with smart planning, they uncover the legal and financial tools that keep your long-term security intact.

In this episode, you'll learn:

• How personal injury cases affect financial stability and recovery timelines • Why adequate auto, umbrella, and uninsured/underinsured coverage are critical • The role of cash reserves and emergency funds when court cases drag on • How gap insurance protects borrowers when cars are totaled • What the "100 deadliest days" for teen drivers mean for families • Legal misconceptions about trusts and asset protection in Florida • Tax treatment of personal injury settlements—and how advisors can optimize windfalls

Guest: Anissa Morris, Attorney at Spinner Law Firm.

Resources and contact: Visit basewealthmanagement.com for articles, videos, and to connect with our team. Send your questions to [email protected] to be featured in a future episode.

Disclaimer: This conversation is educational, not tax, legal, or investment advice. Talk with your professional advisor about your situation.

Season 3, Episode 8.

How do homeowners turn their houses into real wealth? Dustin Taylor and co-host Kyle Howell talk with Sarah DiMonaco, broker and owner of Remarkable Real Estate and Rentals, about the practical ways real estate can accelerate financial independence. From tax-free gains on your first home to the math of rental cash flow and 1031 exchanges, they break down strategies for building equity without overextending yourself.

In this episode, you'll learn:

• How long-term homeownership and extra payments accelerate wealth building • Why tax rules allow up to $250k/$500k gains on home sales without capital gains tax • When to refinance or use home equity—and when not to • The "onion layers" of neighborhood appreciation and why location is key • Smart upgrades that boost value without breaking the bank • Risks and realities of rental property ownership vs. REIT alternatives • How 1031 exchanges work for landlords ready to simplify • The step-up in basis for heirs and why estate planning matters in real estate

Guest: Sarah DiMonaco, broker/owner of Remarkable Real Estate and Rentals.

Resources and contact: basewealthmanagement.com for articles, videos, and to connect with our team. Send your questions to [email protected] to be featured in a future episode.

Disclaimer: This conversation is educational, not tax, legal, or investment advice. Talk with your professional advisor about your situation.

Season 3, Episode 7. How do small and midsize businesses keep top performers from taking the next offer? Dustin Taylor and co-host Kyle Howell sit down with insurance specialist Howard Jonas to unpack nonqualified executive benefit strategies that help attract and retain key people without overhauling your 401(k). We cover which companies are a fit, how tax status shapes design, what to fund with, and how to keep plans simple enough to run.

In this episode, you will learn:

• When nonqualified plans outperform traditional benefits for high earners • Why entity taxation matters, S corp vs C corp vs partnership • Funding options, including permanent life insurance, taxable accounts, or unfunded designs • How REBA, restricted executive bonus agreements, and double-bonus structures work • Where loan-regime split-dollar and key-person coverage can fit • Creditor exposure, control vs current deduction, and practical restrictions • 409A pitfalls with deferred compensation, and when not to use it • Eligibility for contractors, 1099 use cases, and realistic vesting horizons

Guest: Howard Jonas, advanced insurance planning and business succession specialist.

Resources and contact: basewealthmanagement.com for articles, videos, and to connect with our team.

Disclaimer: This conversation is educational, not tax, legal, or investment advice. Talk with your professional advisor about your situation.

Mortgage rules keep shifting, but the core questions remain: how much should you borrow, when should you refinance, and which pitfalls will really cost you? In this episode of Financial Foundations, hosts Dustin Taylor and Kyle Howell sit down with veteran loan originator Jennifer Weil—known to clients as "Jen Is My Home Girl"—to uncover practical ways to keep more money in your pocket and stress off your budget.

You'll learn how to:

• Spot the single question that can shave thousands off closing costs

• Guard against costly escrow shortages and surprise tax hikes

• Decide when a home‑equity line is smarter than a full refinance

• Align mortgage decisions with a long‑term financial plan

• Use January deadlines to lock in homestead savings

Questions for the team? Send them to [email protected] and we might tackle them on a future show.

Market headlines can roar louder than a toddler with a drum set—and your portfolio can end up marching to the noise. In this episode of Financial Foundations, hosts Dustin Taylor and Alex Wolfe, CFP® put the would-be DIY investor under a microscope:

• Do you genuinely have the research chops and the hours?

• Are hidden emotional or political biases steering your trades?

• Is "sit in cash till things calm down" a plan—or just anxiety in disguise?

• How do you align investments with concrete goals, not today's click-bait?

• What accountability keeps solo investors from drifting off-course?

Whether you love rolling up your sleeves or you're wondering what an advisor actually adds, you'll leave with a sharper checklist—and maybe a little less caffeine-fuelled doom-scrolling.

⏱️ Episode Chapters Time Chapter 0:39 Meet the hosts 0:57 Why some investors go DIY 1:15 Experience & research resources 2:15 The real time commitment 3:10 Emotional & political biases 4:03 Linking strategy to goals 5:05 Gauging risk tolerance 5:57 Accountability & confidence checks 7:15 Free resources at Base Wealth 7:48 Subscribe & closing thoughts

Find tools, articles and past episodes at basewealthmanagement.com. Questions? Email [email protected]. Subscribe on your favorite app so you never miss an insight.

Is all debt created equal? In this eye-opening episode of Financial Foundations, CFP® Alex Wolfe and host Dustin Taylor rethink traditional views on debt management. Find out when debt can actually benefit you, how to prioritize repayments strategically, and why "marrying the house but dating the mortgage" could be your smartest approach in today's market.

You'll learn practical strategies to:

• Identify healthy versus harmful debt
• Choose effectively between the snowball and avalanche repayment methods
• Evaluate opportunity costs with confidence
• Navigate mortgage decisions in the current environment
• Protect your credit score while eliminating debt

Your relationship with debt can shape your financial future—make sure it's built on solid ground. Have questions? Send them to [email protected].

Subscribe for more financial insights, and visit BaseWealthManagement.com to strengthen your financial foundation.

Beyond the 4% Rule: Rethinking Retirement Withdrawals

The math looks simple on paper: withdraw 4% annually, and your retirement savings should last... right? Our latest episode dives deeper into why real-world retirement requires more nuanced thinking.

Key Questions We Address:

• When does the "perfect" withdrawal strategy actually work against you?
• How can a tiny shift in inflation reshape decades of careful planning?
• Why might your tax bracket matter more than your withdrawal rate?
• What happens when market timing collides with your monthly withdrawals?

We unpack these crucial questions while exploring practical strategies for making your retirement savings truly last. Plus, we share insights about the often-overlooked connection between market downturns and your withdrawal strategy.

Have Questions About Your Retirement Picture? Every retirement journey is unique - and we'd love to address your specific questions in our next episode. Send your questions to [email protected] and help shape our future discussions.

Don't Let Retirement Mistakes Ruin Your Golden Years!

Are you dreaming of a comfortable and fulfilling retirement? Many people work their entire lives with this goal in mind, but unfortunately, even with careful planning, certain missteps can derail your financial security and overall well-being in retirement.

In this crucial episode of Financial Foundations, brought to you by Base Wealth Management, your hosts Dustin Taylor and Alex Wolfe, a Certified Financial Planner, dive deep into the common – yet potentially devastating – retirement mistakes that could jeopardize your future.

First, they tackle the critical issue of financial stability. How do you ensure your savings last throughout your retirement? Learn practical strategies for avoiding overspending, understanding your cash flow needs, and the importance of balancing income generation with long-term growth in your portfolio. Discover how to truly make your money work for you in your post-working years.

Next, the discussion shifts to a major concern for all retirees: healthcare expenses. Beyond the initial excitement of retirement, the reality of increasing medical costs can be daunting. Dustin and Alex explore how to prepare for unexpected healthcare bills, from understanding your options before Medicare eligibility to navigating the complexities of Medicare plans and considering potential long-term care needs. This is vital information to protect your nest egg from unforeseen medical burdens.

But retirement isn't just about the numbers. The hosts also delve into the often-overlooked lifestyle and mental transition that comes with leaving the workforce. What happens when every day feels like Saturday? Discover how to prepare for this significant shift, avoid feelings of isolation or lack of purpose, and find fulfilling hobbies and social connections to enrich your retirement experience. They even touch on the possibility of a phased retirement through part-time work.

Furthermore, learn how having a comprehensive financial plan in place can be instrumental in navigating these lifestyle changes. Understand how your plan can account for increased spending on travel, entertainment, and other activities that make retirement enjoyable, while also helping you discover cost-effective ways to fill your time.

Finally, Dustin and Alex address the crucial topic of estate and legacy planning. This is more than just deciding where your assets go; it's about ensuring a smooth and stress-free transition for your loved ones. They highlight the importance of having essential legal documents like wills, trusts, and healthcare power of attorney in place to protect your wishes and ease the burden on your family.

Don't let these common retirement mistakes catch you off guard! Tune in to this informative episode of Financial Foundations to gain valuable insights and actionable advice to secure your financial future and enjoy a fulfilling retirement.

Have questions about your own retirement plan? The team at Base Wealth Management is here to help! Send your questions or topics you'd like to see covered on future episodes to [email protected].

For more resources and free financial advice, visit basewealthmanagement.com. And be sure to subscribe to the Financial Foundations podcast on your favorite podcast app so you never miss an episode!

Tax season is here—are you truly prepared? In this episode of Financial Foundations, hosts Dustin Taylor and Alex Wolfe break down the crucial steps to take before the April 15th deadline. From overlooked tax forms to smart strategies for reducing your liability, we're covering the must-know insights to keep your finances in check.

🔹 The one tax document that could cause your return to be rejected—don't miss this! 🔹 A common mistake that might cost business owners thousands in penalties. 🔹 The crucial deadline that's not December 31st—but could still save you money.

Get ahead of tax season with expert insights that can make a difference in your financial future. Have a question you'd like answered on the show? Send it to [email protected].

🎧 Subscribe now and stay informed with Financial Foundations!

In this episode of Financial Foundations, Dustin Taylor and Alex Wolfe explore the power of donor-advised funds with guest Jeremy Riggs, advisor at Base Wealth Management. Discover how these funds can simplify charitable giving, provide immediate tax benefits, and offer long-term flexibility. Jeremy breaks down the benefits of "superfunding" donations to maximize tax efficiency, and explains how leveraging appreciated stock donations can unlock significant savings. Whether you're looking to support your favorite causes now or plan for future giving, this episode provides actionable insights to help you achieve your philanthropic goals.

Have questions or topics you'd like us to discuss? Email us at [email protected]. Be sure to subscribe to the podcast and visit basewealthmanagement.com for more strategies, videos, and articles on building a solid financial foundation.