Watch on YouTube: https://youtu.be/Ry3AXqpSCKA

Are high-yield savings accounts over hyped, and how much cash should you actually keep?

CFP Professionals Archie Hoxton and Jimmy Stuch explain how high-yield savings accounts work, why they've become so popular, and whether chasing the highest interest rate is really the best cash strategy. They discuss how much you should keep in an emergency fund and how factors like cash flow, lifestyle, and job stability can determine how much money you need in savings.

Archie and Jimmy also explore the opportunity cost of holding too much cash, when it makes sense to invest excess savings, and how to balance short-term cash needs with long-term growth. They compare high-yield savings accounts, CDs, and Treasury bills to help you decide where to keep your cash while staying ahead of inflation.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/Mnbagq1dHFg

CFP Professionals Rob Hoxton and Archie Hoxton explore what heirs need to know when inheriting an IRA, including how recent changes from the SECURE Act have changed the rules. They break down the 10-year withdrawal rule for inherited IRAs and Roth IRAs and explain how those rules can impact the taxes beneficiaries ultimately pay.

Rob and Archie also compare pre-tax, Roth, and taxable accounts from an inheritance perspective, highlighting how the assets you leave behind can affect your heirs. They discuss planning strategies like Roth conversions and the importance of thinking ahead about how and when your assets will be passed on.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/3WCXtTsq4Hg

Can you save too much in a traditional 401K?

CFP Professionals Rob Hoxton and Jimmy Sutch explore why putting more money into a traditional 401K isn't always the best retirement strategy. They break down the different tax buckets available to investors and explain why relying too heavily on pre-tax savings can create challenges later in life.

Jimmy and Rob discuss four key considerations: having enough liquidity before retirement, building tax diversification, managing required minimum distributions, and understanding how your retirement accounts can affect your heirs. They also compare pre-tax, Roth, and taxable accounts, including how large pre-tax balances can increase taxes and Medicare premiums in retirement.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/JdBroq810Hs

What are the biggest mistakes standing between you and financial independence?

CFP Professionals Archie Hoxton and Rob Hoxton explore five common mistakes that can derail your progress toward financial independence, from taking on consumer debt to falling behind on retirement savings. They also discuss how lifestyle creep and early withdrawals from retirement accounts can create long-term setbacks.

Archie and Rob share practical strategies for building a stronger financial foundation, including establishing an emergency fund, taking full advantage of employer retirement matches, automating contributions, and keeping spending in check as your income grows. If you're building wealth or reassessing your financial plan, this episode offers straightforward guidance to help you avoid costly mistakes and stay on track toward a more secure retirement.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/FtV7aafApuQ

How are the markets really doing in 2026, and should investors be worried?

CFP Professionals Archie Hoxton and Jimmy Sutch take a mid-year look at the markets and economy, breaking down what's happened so far and what it could mean for investors and retirees.

They examine the performance of major indexes like the S&P 500, Nasdaq, and Dow, along with economic indicators including GDP and unemployment. Archie and Jimmy also discuss the forces shaping the market, from inflation and geopolitical uncertainty to oil supply and the rapid growth of AI investments.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/2kYX-lRwF10

Do you really understand how your taxes work?

CFP Professional Archie Hoxton and Client Service Associate Tyler Kittner break down the tax fundamentals everyone should understand, and how knowing the difference between deductions, credits, and different types of retirement accounts can make a meaningful difference in your financial plan.

They explain the differences between personal and business deductions, how changes to the standard and itemized deductions can affect taxpayers, and what to know about SALT and charitable contribution limits. Archie and Tyler also explore strategies like charitable "bunching" and break down the differences between traditional, Roth, and after-tax IRAs.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/HC-opzQjVMk

Don't wait until the end of the year to think about taxes!

CFP Professionals Rob Hoxton and Archie Hoxton share five important tax planning moves you can make before the end of summer to strengthen your financial plan and avoid costly year-end surprises.

They discuss maximizing retirement contributions, planning ahead for required minimum distributions (RMDs), and taking advantage of capital gains and tax-loss harvesting opportunities. Rob and Archie also explain how Health Savings Accounts (HSAs) and charitable giving strategies can help reduce your tax bill while supporting your long-term retirement goals.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/dE14NYW5uC4

In this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dive into the crucial topic of cost basis and its impact on your investment strategy.

The conversation covers the fundamentals of cost basis, how it affects taxable brokerage accounts, and why careful management can create both opportunities and challenges for investors planning for retirement. Rob and Archie discuss strategies for tax loss harvesting, step-up in basis rules, and effective ways to utilize capital gains and losses for maximum tax efficiency. They also explore a powerful intersection between cost basis planning and charitable giving, showcasing how donors can maximize their financial benefit while supporting causes they care about.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/3X91dHUFqfU

Do you have something to retire to?

CFP Professionals Archie Hoxton and Rob Hoxton explore why having a purpose in retirement is just as important as having enough money. They discuss how the transition away from a career can affect your happiness, identity, and even your long-term financial security.

Archie and Rob explain why retirees without a clear plan for their time are more likely to overspend, lose direction, or struggle with the emotional side of retirement. They also share practical ideas for creating a fulfilling routine, staying engaged, and building a retirement that balances purpose, relationships, and financial confidence.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Watch on YouTube: https://youtu.be/kTvMBofDURI

Are all annuities really terrible, or do you just need to recognize some red flags before buying one?

CFP Professionals Archie Hoxton and Jimmy Sutch dive into the world of annuities and explain the difference between the bad ones, of which there are plenty, and the good ones, which you can find if you look hard enough.

Learn how to recognize the red and the green flags and make an informed decision when shopping for an annuity.

Visit: http://www.thelastpaycheck.com

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.