Keep What's Yours

Could a few year-end decisions help you keep more of your money? On this episode of Keep What’s Yours, Jeff Zufall, senior tax strategist and wealth advisor at Capital Advisory Group, joins Josh Gilbert to discuss Roth conversions, retirement contributions, and charitable giving as 2026 draws to a close. They explore the charitable deduction for eligible taxpayers who don’t itemize, how qualified charitable distributions can connect IRA withdrawals with giving, and why tax bracket planning matters before December 31. Plus, they discuss Social Security’s funding challenges and how inflation and interest rates affect household finances. Discover practical questions to bring to your next tax planning conversation.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 or visit the website www.CapitalAdvisoryGrp.com today!

How can you manage your household budget when inflation raises the cost of gas, groceries, and everyday expenses? Josh Gilbert and Jeff Zufall of Capital Advisory Group discuss inflation, purchasing power, Federal Reserve interest rates, and practical budgeting steps for families. Learn how to track spending, review subscriptions and monthly bills, and explore tax planning tools such as health savings accounts (HSAs), flexible spending accounts (FSAs), 529 plans, and real estate deductions. This episode of Keep What’s Yours offers a conversational look at household finances, tax planning, and ways to make your money go further.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 or visit the website www.CapitalAdvisoryGrp.com today!

How can you manage your household budget when inflation raises the cost of gas, groceries, and everyday expenses? Josh Gilbert and Jeff Zufall of Capital Advisory Group discuss inflation, purchasing power, Federal Reserve interest rates, and practical budgeting steps for families. Learn how to track spending, review subscriptions and monthly bills, and explore tax planning tools such as health savings accounts (HSAs), flexible spending accounts (FSAs), 529 plans, and real estate deductions. This episode of Keep What’s Yours offers a conversational look at household finances, tax planning, and ways to make your money go further.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 or visit the website www.CapitalAdvisoryGrp.com today!

Are you paying more in taxes than you need to? In this episode of Keep What's Yours, senior tax strategist and wealth advisor Jeff Zufall of Capital Advisory Group joins host Josh Gilbert to reveal practical strategies for reducing your tax burden and building long-term wealth. Discover how Health Savings Accounts (HSAs) offer triple tax advantages, how 529 college savings plans and new Trump Accounts can help secure your children's financial future, and why small, consistent contributions can make a big difference over time. Jeff also discusses changes at the IRS, the importance of managing estimated tax payments, and how proactive tax planning can help you avoid costly mistakes. Whether you're saving for retirement, planning for your children's education, or simply looking to keep more of your hard-earned money, this episode offers valuable insights you can put to work.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 or visit the website www.CapitalAdvisoryGrp.com today!

What tax moves should you make before the end of the year? Jeff Zufall, Senior Tax Strategist and Wealth Advisor with Capital Advisory Group, joins Josh Gilbert to discuss year-end tax planning strategies, Roth conversions, 401(k) catch-up contributions, tax brackets, Medicare IRMAA, investment risk and retirement planning. They also examine how Federal Reserve interest-rate increases and inflation can affect bond funds, mortgage rates, homebuyers and household finances. Plus, learn how to prioritize high-interest debt, find forgotten monthly subscriptions, use an IRS ID.me account to monitor your tax records, and check your Social Security earnings history for errors. If you're looking for practical tax-saving strategies, retirement planning ideas and ways to keep more of your money working for you, this episode of Keep What’s Yours is a great place to start.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 or visit the website www.CapitalAdvisoryGrp.com today!

How can you reduce taxes in retirement, avoid higher Medicare premiums, and take advantage of new tax deductions? In this episode of Keep What’s Yours, senior tax strategist and wealth advisor Jeff Zufall joins Josh Gilbert to discuss Roth conversions, Medicare IRMAA surcharges, required minimum distributions (RMDs), Roth IRA withdrawal rules, capital gains taxes, annual gift-tax exclusions, and proactive retirement tax planning. They also explain the St. Louis County senior property-tax freeze and why eligible homeowners need to renew, examine how inflation and rising interest rates can affect investors, and discuss the new tax deduction for interest paid on qualifying U.S.-assembled vehicles. Learn why tax preparation alone may not be enough—and how year-round tax strategy can potentially help you keep more of your retirement income and investment gains.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 or visit the website www.CapitalAdvisoryGrp.com today!

What could changing interest rates, new tax rules and the rising cost of living mean for your money? On this episode of Keep What’s Yours, Jeff Zufall and Josh Gilbert break down the financial issues affecting individuals, investors and small-business owners in 2026. They discuss how choosing the right business structure may reduce self-employment taxes, new rules affecting gambling losses, why rising interest rates can hurt bond funds, and how today's rates are reshaping the housing market. Plus, Jeff explains why a realistic budget—including healthcare costs—is essential to knowing when you can actually afford to retire, and what a proposed expansion of the definition of “small business” could mean for Main Street businesses competing for government programs and benefits.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

How can Roth conversions, RMDs and retirement withdrawals affect your taxes and Medicare premiums? In this episode of Keep What’s Yours, senior tax strategist and wealth advisor Jeff Zufall explains retirement tax planning strategies involving Roth IRA conversions, 401(k)s, required minimum distributions (RMDs), Medicare IRMAA surcharges and the new senior tax deduction for taxpayers age 65 and older. Learn why increasing your taxable income in retirement can reduce valuable tax deductions and potentially increase Medicare costs, when a Roth conversion may—or may not—make financial sense, and why September is an important time to begin year-end Roth conversion planning. Jeff and Josh Gilbert also discuss capital gains taxes, step-up in basis, real estate depreciation, retirement income planning, tax filing extension deadlines and strategies for creating taxable, tax-deferred and tax-free sources of retirement income.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

How can you reduce taxes on investments, Social Security and retirement income? On this episode of Keep What’s Yours, senior tax strategist and wealth advisor Jeff Zufall explains how strategic tax planning can help investors and retirees make smarter financial decisions before triggering unexpected tax bills. Learn about short-term vs. long-term capital gains, capital-loss strategies, tax-efficient investing, 401(k) withdrawals, Social Security claiming strategies, required minimum distributions (RMDs), retirement budgeting and the potential “tax time bomb” retirees can face. Jeff and Josh also discuss inflation, Federal Reserve interest-rate policy, oil prices and the Iran conflict, stock-market resilience, and Missouri’s rejected state income-tax proposal. Discover why coordinating tax planning, investment management and retirement planning can help you keep more of what’s yours.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

Could interest rates actually be heading higher instead of lower? This week, Jeff Zufall and Josh Gilbert break down the Federal Reserve's latest decision, why inflation continues to be stubborn, and what it could mean for mortgages, investments, and your financial future.

They also take an in-depth look at Missouri's Amendment 5, explaining how eliminating the state income tax could dramatically expand sales taxes—and why every Missouri voter should understand the potential impact before heading to the polls.

Plus, learn why tax planning should happen year-round—not just during tax season—and how coordinating your investment and tax strategies can potentially save thousands of dollars over your lifetime.

If you're looking to keep more of what you've earned, this episode is packed with practical insights you won't want to miss.

If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!