Keep What's Yours

Tax Season Chaos: IRS Leadership Crisis & Your 2025 Tax Strategy

Join Josh Gilbert and senior tax strategist Jeff Zufall as they break down the unprecedented chaos brewing for the 2025 tax season. With the IRS experiencing its eighth leadership change this year and two-thirds of senior positions vacant, coupled with new tax laws from the "Big Beautiful Bill," taxpayers face potential filing nightmares ahead. Jeff reveals money-saving strategies including property tax freezes for seniors, new car tax credits, Missouri gas tax rebates, and how to turn investment losses into tax advantages. Plus, they explore the controversial addition of private assets to 401(k)s and discuss what happens when companies like Eastman Kodak go under. Don't miss critical insights on Fed rate cuts, upcoming child tax credit increases, and why having your tax strategist double as your wealth advisor could save you thousands. Call Jeff at (636) 394-5524 to ensure you're not paying more taxes than legally required.

The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Car Tax Credits, SALT Deductions, and the BLS Shake-Up

In this episode of "Keep What's Yours," tax strategist Jeff Zufall and host Josh Gilbert dive deep into the sweeping changes from the new tax legislation that's already impacting your 2025 taxes. Discover how you could claim up to $10,000 in car loan interest deductions if you bought a U.S.-made vehicle this year, learn about the expanded SALT deduction cap that jumped from $10,000 to $40,000 (potentially affecting 100 million Americans), and get the inside scoop on why Trump fired the Bureau of Labor Statistics chief over concerning job numbers. From the ongoing tariff effects and Fed interest rate speculation to seniors getting an additional $6,000 standard deduction, Jeff breaks down the complex moving parts of tax policy in plain English. Whether you're planning retirement, bought a new car, or just want to keep more money in your pocket, this episode reveals the tax strategies and credits you need to know about right now.

The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Tax Law Changes You Can't Afford to Miss: Missouri Drops Capital Gains & The Big Beautiful Bill Breakdown

Join Josh Gilbert and tax strategist Jeff Zufall as they break down the major tax changes happening right now that could save you thousands. Discover how Missouri has eliminated state capital gains taxes and what the "Big Beautiful Bill" means for your wallet - with some provisions retroactive to January 2025, you're already running out of time to take advantage. They also explore the Fed's latest rate decisions, explain life insurance as an investment asset, and discuss smart strategies for diversifying across taxable, tax-deferred, and tax-free buckets. Whether you're planning for retirement, managing investments, or just trying to keep more of what you earn, this episode reveals actionable tax-saving opportunities you won't want to miss.

The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Fed Drama, Tax Buckets, and Your $10K Investment Options: A Complete Money Makeover Guide

Join Josh Gilbert and senior tax strategist Jeff Zufall for an entertaining dive into the current financial soap opera between Trump and Fed Chair Jerome Powell over interest rates, plus a practical breakdown of investment options for your spare cash. From explaining the three essential tax buckets (taxable, tax-deferred, and tax-free) to exploring what to do with $10,000 burning a hole in your pocket, this episode covers everything from individual stocks and mutual funds to CDs, money markets, and the hidden dangers of expired savings bonds. Jeff emphasizes why having one person handle both your wealth management and tax strategy is crucial, while Josh brings his signature humor to complex financial concepts, making this essential listening for anyone wanting to beat inflation and keep more of what they earn.

The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

The Big Beautiful Bill Deep Dive: IRS Cuts, Tax Traps, and Your Money's Future

In this comprehensive episode of "Keep What's Yours," host Josh Gilbert and senior tax strategist Jeff Zufall break down the massive tax legislation known as the "Big Beautiful Bill" and its real-world impact on everyday taxpayers. They explore crucial topics including dividend taxation, inheritance rules, and the surprising tax implications of reinvested dividends that catch many investors off guard. The discussion takes a timely turn as they analyze the recent IRS staffing cuts under new director Billy Long, revealing how departments have been slashed by up to 95% and what this means for next year's tax season. From payment processing glitches affecting thousands of taxpayers to the Federal Reserve drama with Jerome Powell, Jeff provides insider knowledge on navigating an increasingly complex tax landscape. The episode also covers estate planning pitfalls, the step-up basis advantage for inherited assets, and even reveals bizarre Medicare loopholes involving Rolex watches. Whether you're dealing with dividend income, planning your estate, or simply trying to minimize your tax burden, this episode delivers actionable strategies to help you keep more of what you earn while avoiding costly mistakes in an era of reduced IRS customer service.

The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

The Big Beautiful Bill: New Tax Laws That Could Save You Thousands in 2025

In this episode of Keep What's Yours, tax strategist Jeff Zufall breaks down the massive new tax legislation signed by President Trump on July 4th, 2025, revealing game-changing opportunities for taxpayers. From tax-free tips up to $25,000 and overtime deductions capped at $12,500 per person, to auto loan interest deductions on American-made vehicles and enhanced standard deductions, this "big beautiful bill" contains provisions that could dramatically reduce your tax burden. Jeff explains how these changes apply retroactively to January 2025, meaning you could benefit from strategies implemented right now, while also covering critical updates like the IRS eliminating paper checks starting September 30th and the upcoming expiration of EV credits and home energy improvement deductions. Whether you're planning retirement, dealing with inherited IRAs, or simply want to keep more money in your pocket, this episode provides essential insights into navigating the new tax landscape and maximizing your savings before key provisions sunset in 2028. Call Jeff at Capital Advisory Group at 636-394-5524 and learn how you too can “Keep What’s Yours.

Maximize Your Paycheck: Tax Strategies, Market Updates, and the New IRS Leadership

Join Josh Gilbert and senior tax strategist Jeff Zufall as they break down practical ways to reduce your tax burden and boost your retirement savings. From maximizing 401(k) contributions and understanding progressive tax brackets to navigating the new "super catch-up" provision for ages 60-63, this episode provides actionable strategies you can implement on every paycheck. They also discuss the latest developments with new IRS Commissioner Billy Long, Fed interest rate decisions under Jerome Powell, and how recent market volatility from tariff concerns and Middle East tensions affects your investment strategy. Whether you're looking to optimize your current tax situation or planning for retirement, this show offers concrete steps to keep more of what you earn while building long-term wealth.

The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

IRS Budget Cuts, and Your Retirement Buckets: Essential Tax & Financial Planning Updates

Join hosts Josh Gilbert and tax strategy expert Jeff Zufall at Capital Advisory Group as they discuss the latest developments affecting your finances. From Jeff's recent office move to Clarkson Road to breaking down the IRS's proposed 37% budget cut and 20% workforce reduction for 2026, this episode covers what these changes mean for taxpayers. Learn about new hardship withdrawal rules allowing penalty-free access to $1,000 from retirement accounts, student loan forgiveness tax implications, and how AI is revolutionizing tax enforcement. The duo dives deep into retirement planning strategy, explaining the three essential "buckets" for your money: taxable accounts, tax-deferred accounts (401k/IRA), and tax-free accounts (Roth), plus the critical balance between safety, liquidity, and growth in your investment approach. Whether you're 43 and planning for the future or approaching retirement, discover actionable strategies to legally minimize your tax burden and maximize your wealth accumulation.

Don't let Uncle Sam keep more of what's yours – call Jeff at Capital Advisory Group at 636-394-5524 and turn tax planning into your retirement advantage!

The Big Beautiful Bill: Tax Changes Coming Your Way and What You Need to Know

Tax strategist Jeff Zufall and Josh Gilbert break down the latest developments that could dramatically impact your finances, from encouraging CPI numbers showing inflation cooling to the massive "big beautiful bill" working its way through Congress. Discover what's really in this legislation - including potential elimination of taxes on Social Security, increased child tax credits, and changes to capital gains rates - and why even Elon Musk is calling parts of it an "abomination." Jeff explains why the bond market has experts like Jamie Dimon worried about cracks forming due to mounting national debt, shares crucial advice for anyone considering retirement (spoiler: most people spend more time planning vacations than their retirement), and reveals why that IRS department handling deceased person tax returns was mysteriously shut down and recently reopened. Whether you're dealing with estate issues, planning for retirement, or just want to understand how upcoming tax changes could affect your bottom line, this episode delivers practical insights you can use today - because as Jeff says, the goal is always to "keep what's yours." Call Jeff at Capital Advisory Group at 636-394-5524 and learn how you can “Keep What’s Yours.”

Tax season never ends when it comes to smart retirement planning – and "Keep What's Yours" with Josh Gilbert and senior tax strategist Jeff Zufall is your guide through the maze! Discover the critical tax moves you need to make NOW before it's too late, including how catch-up contributions at 49½ and the new "super catch-up" provisions for ages 60-63 can slash your current tax bill while supercharging your retirement savings. Jeff exposes the tax time bomb waiting for most retirees: how your diligent saving could actually push you into HIGHER tax brackets in retirement when Required Minimum Distributions kick in, potentially making 85% of your Social Security taxable. Learn why the pre-tax vs. Roth conversion strategy isn't just about today's tax bracket – it's about outsmarting the IRS decades down the road. With the tax code facing massive changes in 2026 and the IRS in complete chaos (losing a third of their workforce and billions in funding), you can't afford to wait for "someday" to optimize your tax strategy. From understanding why your paycheck might mysteriously increase (and why that's actually BAD news) to timing strategic Roth conversions during low-income years, this episode reveals the tax planning secrets that could save you tens of thousands in retirement. Don't let Uncle Sam keep more of what's yours – call Jeff at Capital Advisory Group at 636-394-5524 and turn tax planning into your retirement advantage!