Last Paycheck

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.

Watch on YouTube: https://youtu.be/sh2TAjNA_oI

Taxes end up being your biggest lifetime expense.

CFP Professionals Archie Hoxton and Rob Hoxton explore why smart tax planning is about more than filing a return each year—and how the decisions you make today can have a lasting impact on your retirement.

They explain the difference between tax preparation and proactive tax planning, covering strategies like tax-loss harvesting, choosing between Roth and traditional retirement accounts, and placing investments in the most tax-efficient accounts. Archie and Rob also discuss when it makes sense to work with a tax professional and how a long-term tax strategy can help you keep more of what you've earned.

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/nQAA5mnzou4

Are your emotions hurting your investment returns?

CFP Professionals Archie Hoxton and and Jimmy Sutch explore why emotional investing is one of the biggest obstacles to long-term financial success. They discuss how fear, greed, and the fear of missing out can tempt investors to chase headlines, react to market swings, and abandon well-designed financial plans.

Drawing on real-world examples and investor behavior research, the conversation highlights why consistency often outperforms market timing. Archie, Rob, and Jimmy explain the value of dollar-cost averaging, portfolio rebalancing, and automated investing strategies that help remove emotion from the decision-making process.

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/R1ph16eZ_Q4

Can you actually build wealth without a huge income?

CFP Professionals Archie Hoxton and Jimmy Sutch challenge the idea that financial success is reserved for high earners. They explore how consistent saving, smart investing, and avoiding lifestyle inflation can help everyday people build lasting wealth over time.

Drawing from real client experiences, Archie and Jimmy discuss the power of regular contributions to retirement accounts like 401(k)s, IRAs, and HSAs, along with the importance of managing debt and automating good financial habits. They also address the dangers of lifestyle creep and social comparison, which can quietly undermine even the best financial plans.

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/l0RkR4ExLz8

Is inflation quietly putting your retirement at risk?

CFP Professionals Archie Hoxton and Jimmy Sutch explore how inflation affects everyday spending, long-term savings, and the retirement plans many people work decades to build. They explain why even modest inflation can have a significant impact over time—and why ignoring it can be a costly mistake.

Archie and Jimmy break down the difference between healthy and harmful inflation, how rising prices erode purchasing power, and why retirees living on fixed incomes are especially vulnerable. They also discuss investment strategies that can help combat inflation and why holding too much cash or relying on low-yield assets may leave your financial plan exposed.

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/MzfJdZaXPTY

Could your financial life withstand a scam, data breach, or identity theft attack?

CFP Professionals Archie Hoxton and Rob Hoxton explore the growing risks of fraud in an increasingly digital world—and why protecting your personal information has become an essential part of financial planning.

They discuss common threats like wire fraud, payroll scams, and identity theft, along with the tactics criminals use to create urgency and exploit trust. Archie and Rob also share practical steps to strengthen your defenses, including credit freezes, password managers, two-factor authentication, and other simple habits that can significantly reduce your risk.

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.