Planned Solutions

In this episode of the Planned Solutions Incorporated Podcast, Mutual funds offer different share classes with varying fees, sales charges, minimums, and eligibility requirements, which can significantly affect long-term returns. Investors should compare expenses, loads, and holding periods while considering fund type, risk, liquidity, and investment goals. Active funds typically cost more than index funds, while ETFs offer similar diversification with different trading considerations. Choosing the appropriate fund and share class may help manage costs and improve investment outcomes.

California Proposition 40 would impose a one-time 5% tax on roughly 200 California billionaire residents, potentially raising $100 billion over five years for healthcare, education, and food assistance. Supporters cite healthcare funding needs, while opponents warn of wealthy residents leaving, reducing tax revenue, jobs, and investment. The measure would generally exclude real estate, pensions, and retirement accounts, while creating administrative costs and potential tax-planning costs for affected taxpayers.

CalPERS is the nation’s largest public pension fund, serving more than 2 million retirement members and 1.5 million health members. Its defined-benefit pension generally uses service credit, the benefit factor, and final compensation. Its members typically vest after five years, with retirement ages varying by formula. Supplemental plans can provide additional income, while reciprocity may coordinate service between California public retirement systems and help meet requirements.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -Planned Solutions recently had a two-day business planning meeting with our business consultant Lori Frasier. We have been working with Lori for over a year now to help us articulate and document Planned Solutions core values, work on more effective communication between those responsible for different workflows and discuss how we can better coordinate work processes to continue to provide high service levels.

Date: Friday, October 9th, 2026Location: Rancho Murieta Country Club – North Course 7000 Alameda DriveRancho Murieta, CA 95683

Time: 1:00pm shotgun start, 5:30pm reception

All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the reception.

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠

Planned Solutions, Inc.

ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠

E-MAIL: ⁠⁠[email protected]⁠m⁠

FAX: (916) 361-0191

WEBSITE:⁠www.PlannedSolutions.com

In this episode of the Planned Solutions Incorporated Podcast, The U.S. national debt has reached $40 trillion, exceeding 120% of the economy, with interest costs now around $1.27 trillion annually. While the debt has not caused major market disruptions, rising interest costs and Treasury yields could pressure borrowing costs, bonds, stocks, and economic growth. Investors should not panic but should maintain diversification, manage interest-rate risk, and review retirement, tax, and emergency savings as future taxes, inflation, Social Security, and Medicare remain uncertain.

Buying a car starts with reviewing your budget and total ownership costs, including taxes, insurance, fuel, maintenance, and repairs. Compare new and used vehicles while researching reliability, safety, resale value, and future costs. Shop around, negotiate the total price, and review fees, warranties, and trade-in values. If financing, compare rates and terms. Avoid excessive payments that could reduce emergency savings, investing goals, and long-term financial security.

The 10-year Treasury yield recently reached about 5%, the highest since 2007, while the 30-year reached 5.4%. Inflation, higher oil prices, government borrowing, and rising global rates are pushing yields higher. Higher Treasury yields increase mortgage and borrowing costs and can pressure stock valuations as bonds become more attractive. Should higher rates persist, it could increase financing costs for consumers, businesses, and governments without necessarily signaling a crisis.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -We are now taking registrations for our annual charity golf tournament.

The deadline to register is Monday, September 28th, 2026. Giveaways for the tournament are being delivered daily, and we are gathering donations for the silent auction. We hope you will be able to attend (either golf or the reception) or donate to a cancer charity to support our efforts.

The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament

Date: Friday, October 9th, 2026Location: Rancho Murieta Country Club – North Course 7000 Alameda DriveRancho Murieta, CA 95683

Time: 1:00pm shotgun start, 5:30pm reception

All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the reception.

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠

Planned Solutions, Inc.

ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠

E-MAIL: ⁠⁠[email protected]⁠m⁠

FAX: (916) 361-0191

WEBSITE:⁠www.PlannedSolutions.com

In this episode of the Planned Solutions Incorporated Podcast, we explore smart financial strategies for accessing cash, tax-efficient charitable giving, and an important FAFSA update for families with family-owned businesses and farms.

💰 Need a large amount of cash? We break down the pros, cons, costs, taxes, and risks of using savings, investments, home equity, investment-backed borrowing, or a 401(k) loan—and why planning ahead can help you avoid unnecessary borrowing or selling investments at the wrong time.

🎁 Give smarter with appreciated stock. Donating appreciated securities directly to a qualified charity may help you avoid capital gains tax while potentially allowing a deduction for the stock’s fair market value. We discuss important holding-period, documentation, and recordkeeping considerations.

🎓 FAFSA Update for 2026–27: Qualifying family-owned businesses and farms are generally excluded from the parental asset calculation if they meet the employee and family-ownership requirements. However, business income, wages, and other income can still affect financial aid eligibility.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -We are now taking registrations for our annual charity golf tournament.

The deadline to register is Monday, September 28th, 2026. Giveaways for the tournament are being delivered daily, and we are gathering donations for the silent auction. We hope you will be able to attend (either golf or the reception) or donate to a cancer charity to support our efforts.

The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament

Date: Friday, October 9th, 2026Location: Rancho Murieta Country Club – North Course 7000 Alameda DriveRancho Murieta, CA 95683

Time: 1:00pm shotgun start, 5:30pm reception

All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the reception.

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠

Planned Solutions, Inc.

ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠

E-MAIL: ⁠⁠[email protected]⁠m⁠

FAX: (916) 361-0191

WEBSITE:⁠www.PlannedSolutions.com

This episode of the Planned Solutions Incorporated Podcast explores three important financial planning topics:0% Capital Gains Tax Bracket: In 2026, the 0% capital gains threshold is $49,450 for single filers and $98,900 for married couples filing jointly. Retirees may be able to realize gains tax-free, but Roth conversions, tax-loss harvesting, and Medicare premium considerations can compete for the same tax space. Annual planning can help determine the best strategy.

Marriage & Property Ownership: Marriage does not automatically make all assets jointly owned. Property may be classified as marital/community or separate property depending on state law, with prenuptial and postnuptial agreements helping clarify ownership.

Donor Advised Funds: DAFs allow individuals to contribute cash or investments, receive an eligible tax deduction, and recommend charitable grants over time. Contributions can grow tax-free, but donations are permanent and irrevocable.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -We are now taking registrations for our annual charity golf tournament.

The deadline to register is Monday, September 28th, 2026. Giveaways for the tournament are being delivered daily, and we are gathering donations for the silent auction. We hope you will be able to attend (either golf or the reception) or donate to a cancer charity to support our efforts.

The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament

Date: Friday, October 9th, 2026Location: Rancho Murieta Country Club – North Course 7000 Alameda DriveRancho Murieta, CA 95683

Time: 1:00pm shotgun start, 5:30pm reception

All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the reception.

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠

Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠[email protected]⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

This episode of the Planned Solutions Incorporated podcast breaks down the essential differences between S-Corp vs C-Corp business entities. If you are a business owner or planning your tax strategy, understanding these classifications helps clarify your liability and tax obligations.

We also examine the rising healthcare costs retirement planning requires, providing a realistic look at how to prepare for these future expenses.

Additionally, we discuss the financial implications of borrowing from 401k accounts. While accessing retirement funds can seem like a viable short-term fix, we analyze why this strategy often carries long-term consequences for your nest egg. This session is designed for professionals and retirees looking for actionable insights on managing their assets effectively.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -We are now taking registrations for our annual charity golf tournament.

The deadline to register is Monday, September 28th, 2026. Giveaways for the tournament are being delivered daily, and we are gathering donations for the silent auction. We hope you will be able to attend (either golf or the reception) or donate to a cancer charity to support our efforts.

The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament

Date: Friday, October 9th, 2026Location: Rancho Murieta Country Club – North Course 7000 Alameda DriveRancho Murieta, CA 95683

Time: 1:00pm shotgun start, 5:30pm reception

All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the reception.

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠

Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠[email protected]⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

In this episode of the Planned Solutions Podcast, we compare 529 plans, UTM, and Trump accounts family savings options to choose the right financial path for your household goals.This guide breaks down how different savings vehicles function to help you decide which account fits your long-term financial strategy. Whether you are prioritizing education funding or general wealth building, understanding the nuances of a 529 plan versus a custodial account is essential for effective family financial planning. We analyze these options so you can manage your assets with greater clarity.Gifting appreciated stock can provide tax benefits compared to giving cash. Instead of selling shares and paying taxes, you transfer the stock and the recipient inherits your cost basis, paying taxes only when they sell. This can be beneficial if the recipient is in a lower tax bracket. However, inherited stock receives a step-up in basis, erasing any capital gains.We examine the strategic petroleum reserve and how its current status impacts energy prices and inflation. Understanding the connection between national energy policy and your personal budget is vital for navigating current economic trends. By comparing these investment accounts and monitoring broader market risks, you gain a clearer picture of how to protect your family's purchasing power.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -It was Katie Dunnam’s birthday on Friday! We celebrated by ordering sandwiches from a local Sandwich Shop called Capriotti’s.On Sunday, Spain beat Argentina 1–0 in the final of an exciting World Cup tournament that brought fans together from around the world!

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠

Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠[email protected]⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

In this episode of the Planned Solutions Podcast, when making investments in taxable accounts, People tend to mishandle equity comp by treating Restricted Stock Units (RSUs) like a stock pick instead of compensation. When RSUs vest, they’re taxed as ordinary income. It’s like receiving a cash bonus and then automatically buying your company’s shares. Paying the tax doesn’t justify holding the stock. A large position in employer stock is risky because your job and the stock can fall at the same time. Instead, consider selling enough to meet your cash needs, cover taxes, limit concentration, and diversify.

Legacy giving allows individuals to support charities while receiving financial and tax benefits. Common options include charitable gift annuities, which provide fixed lifetime income; charitable remainder trusts, which pay income before remaining assets go to charity; and charitable lead trusts, which benefit charities first before passing assets to heirs. Each strategy offers different advantages depending on a donor's income needs, tax goals, estate planning objectives, and charitable intentions.

Current IRS law allows an individual to give another individual up to $19,000 per year without having to file a gift tax return. However, gift splitting allows a married couple to increase this amount to double the annual limit ($38,000 in total) because both spouses may be treated as giving their $19,000 annual exclusion to each gift recipient. In addition, these gifts of up to $38,000 may be given to multiple recipients without needing to file a gift tax return.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -It has been brought to our attention that after signing a document through DocuSign, you may be prompted to create a DocuSign account for a fee. Creating a DocuSign account is not required to complete your transaction with Planned Solutions.

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠

Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠[email protected]⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

In this episode of the Planned Solutions Podcast, when making investments in taxable accounts, there is a balance that must be struck between investment strategy and tax efficiency. Unfortunately, these decisions are often out of balance with tax efficiency, given too much weight, which can negatively impact investment results. Therefore, many investors would actually benefit from paying more in tax in order to implement their investment strategy more efficiently, thus trading short-term tax costs for long-term investment benefits.

Charles Schwab's entry into prediction markets reflects growing investor interest in alternative ways to express views on future events. In addition, it highlights the increasing connection between traditional financial markets and emerging market structures. However, these markets are largely untested and may be subject to manipulation. So, while they offer increased flexibility, they can also result in large losses.

Fixed Income Annuities are complex financial products that often do not generate the long-term rate of returns that investors expect. This is because these policies use complex formulas to determine the contract’s rate of return. These formulas include a participation rate, which limits the rate of return that a contract may earn when the underlying index is performing well. Often, these caps on return have a larger-than-expected impact on the overall rate of return over time.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -Planned Solutions will be closed on Friday, July 3rd for the Fourth of July Holiday. Happy 250thbirthday, America!

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠

Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠[email protected]⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

In this episode of the Planned Solutions Podcast, the recent increase in consumer prices has made headlines, but the larger increase in producer prices has largely been ignored. When producer prices increase faster than consumer prices, it puts downward pressure on business profitability. This could negatively impact business earnings reports, as it has in past similar periods, or it could lead to businesses passing on more of the commodity price inflation they are currently experiencing if they get to the point where they cannot eat the lion's share of the higher prices.

The Federal Reserve Yield Curve Recession Indicator has historically been an accurate predictor of a recession within the next year. However, in recent years, the indicator may have been wrong: in May 2024, it predicted a 60% probability of a recession within the following year, but the recession failed to materialize. Now the indicator sits at just a 15% probability of a recession, possibly signaling that the economy is in the clear for now.

A well-crafted estate plan often includes a trust as well as a financial power of attorney. The trustee of the trust is responsible for the trust assets, while the power of attorney is responsible for non-trust assets. In many cases, this may be the same person, but that is not always the case. A major difference being that a power of attorney may need to manage an individual’s financial affairs before death, such as in the case of incapacity, whereas a trustee may manage the trust before death but also be responsible for administering the trust after death.

Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -

Planned Solutions sponsored the first annual Big Brothers Big Sisters of Sacramento golf tournament. The tournament was hosted by former Sacramento Kings center Brad Miller. Despite the windy conditions, the tournament went well, and Shannon, Candice, Carter, and Matt were able to enjoy a day outside working the Planned Solutions hole.

The picture to the left shows Candice and Brad Miller on the 7th hole at Del Paso. We can’t agree on whether Brad is really tall, Candice is really short, or both.

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠

Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠[email protected]⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com