In this episode of the Planned Solutions Podcast, Recent economic disruptions have caused the Fed and investors to rethink their expectations for the future path of interest rates. Higher inflation, largely due to increased oil and commodity prices, has reduced the likelihood of lower interest rates in the future, as the Fed will likely be hesitant to lower rates in a rising inflation environment. In addition, investors may be less willing to accept lower interest rates on longer-term bonds because of higher inflation risk.

Digital assets, such as crypto, fall under a broad category of investments called alternative investments. Alternatives are intended to create greater diversification within a portfolio to complement more common investments, such as stocks and bonds. Therefore, when investing, it is important to consider the diversification benefits between holdings rather than being overweight in just one asset class, including digital assets.

The Department of the Treasury, pursuant to a recent Executive Order, is now pushing taxpayers to receive their tax refunds via electronic transfer rather than issuing paper checks. This move is intended to speed up payment processing and reduce fraud. While paper checks will still be issued under some exceptions, taxpayers should shift to the electronic payment platform where possible to avoid delays.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -

Planned Solutions is working on filing Form 5500s for clients who have Solo 401k plans. The Form 5500 is an informational form filed with the Department of Labor. There is no tax due with the filing, but a failure to file penalty can be as high as $250 per day.

Planned Solutions has also started filing the Report of Foreign Bank and Financial Accounts (FBAR). These informational reports are required to be filed by US citizens, green card holders, and residents who have an ownership interest in a foreign bank account with an aggregate valuethat exceeded $10,000 at any time during 2025.

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Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠[email protected]⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

Intro 00:00 Interest Rate Policy 01:09Diversifying in Digital Assets 13:19IRS Direct Deposit 20:05PSI Office Bulletin Board 24:31