In this episode, we reflect on how our financial planning strategies have evolved over decades of practice, particularly regarding tax-deferred accounts versus tax-free growth. We discuss how unexpected taxation on Social Security and rising Medicare premiums can surprise retirees who solely relied on traditional IRAs and 401(k)s. Tune in as we share insights on navigating changing tax laws and building more personalized, tax-efficient retirement plans.

In this solo episode, we explore how years of working in financial planning have reshaped our personal spending and saving habits. We discuss the importance of avoiding the trap of lifestyle inflation, managing debt cautiously, and not spending money before it is earned. Ultimately, we reflect on how money is best viewed as a tool to support a meaningful life rather than a score to hoard.

With upcoming September tax deadlines around the corner, we discuss why business owners cannot wait until the end of the year to start planning their tax strategies. We explore various tax-mitigation opportunities under the tax code for accredited investors and business owners, including energy investments, 1031 exchanges, and retirement plans like Roth 401(k)s. Tune in to learn why proactive financial planning and reviewing your cash flow with an advisor now can unlock significant tax savings for your business.

During initial onboarding, we walk through a comprehensive five-step process designed to understand your complete financial landscape—from your tax returns and existing assets to your personal goals and concerns. We emphasize gathering both hard facts and underlying feelings, ensuring your personalized plan is aligned with your real-life priorities rather than a generic cookie-cutter approach. Our team analyzes your whole picture behind the scenes to craft tailored strategies for tax mitigation, retirement income, and long-term wealth preservation.

In this episode, we transition from exploring the emotional and physical impact of long-term care to discussing the practical financial strategies required to prepare for it. We address common misconceptions surrounding Medicare limitations and reliance on family, highlighting how asset-based long-term care can bridge critical coverage gaps without jeopardizing your broader retirement plan. Join us as we break down actionable solutions that protect your savings, maintain your family’s financial stability, and ensure your care preferences are fully supported.

In this episode, we kick off a two-part series on long-term care, exploring why it is one of the most critical yet frequently avoided conversations in retirement planning. We examine the real-world financial, physical, and emotional impacts of long-term care on families, dispelling common misconceptions around Medicare coverage and family caregiver obligations. Join us as we discuss how proactive planning protects your loved ones, your choices, and your financial future long before care is ever needed.

In this solo episode of Money on the Table, host Skye Layson explores how major life transitions—from planned events like retirement to sudden shifts like job changes or personal loss—require timely adjustments to your financial plan. She breaks down essential steps to take during these pivot points, including reviewing beneficiary designations, updating tax withholdings, and re-evaluating insurance coverage and cash reserves. Skye emphasizes the importance of pacing yourself through emotional decisions and leaning on a trusted advisor to ensure your finances stay aligned with your evolving life goals.

This episode examines the risks and realities of relying on viral financial trends and self-proclaimed experts on social media platforms. We discuss how to spot misleading advice and separate reliable guidance from dangerous speculation. Listeners will gain practical tips to protect their wealth and make informed decisions with the help of qualified advisors.

In this episode Skye welcomes Greta O'Hara to the show, and they talk about the new Trump Accounts... How they work and how they may be able to benefit you and your family.

When a sudden crisis hits, tapping into your workplace retirement account can feel like the easiest fix, but it often triggers a cascade of permanent financial damage. This episode breaks down the true cost of 401(k) loans and early withdrawal penalties that can quietly derail your compounding growth for decades. Tune in to learn why separating your safety net from your retirement nest egg is the ultimate rule for long-term wealth protection.