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Planned Solutions
By Planned SolutionsBusiness
Planned Solutions episodes
- Is Direct Indexing Worth the Hype? Earnings Season Update. & 401k In-Service Distributions
Welcome to the @plannedsolutions Incorporated Podcast. In this episode, we discuss how Direct indexing has become more and more popular as advancements in technology and decreasing trading and custodial costs have made these strategies more competitive. In some cases, direct indexing can lead to better tax outcomes or could better meet investor preferences to hold or avoid certain securities. However, there are also some negative implications, including increased complexity that may offset the benefits.
Also, the Earnings season is off to a strong start. With roughly one in four S&P 500 companies having already reported, more than three out of four companies have beat analysts’ estimates, with only 19% falling short. Third-quarter earnings are expected to increase nearly 13% from the same quarter a year ago.As well, Some employer-sponsored 401k plans allow participants who have reached age 59.5 to access their 401k funds through an inservice distribution. This allows participants to move their 401k funds into another plan or an IRA while still employed and participating in the 401k plan. This option can be attractive for some employees due to its greater flexibility, but all of the pros and cons should be weighed before making a decision.Plus a look at the Planned Solutions Incorporated Office Bulletin Board -The IRS Standard Deduction for 2025 will increase by $800 for Married Couples to $30,000, by $400 for Single Filers to $15,000, and by $600 for Head of Household filers to $22,500.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpbIntro 00:00Is Direct Indexing Worth It 01:39Earnings Season Update 17:01401k In-Service Distributions 20:02Bulletin Board 22:29Planned Solutions, Inc.https://www.plannedsolutions.com/27 min - The Truth About Social Security Benefits
Welcome to the @plannedsolutions Incorporated Podcast. In this episode, we discuss The trustees of the Social Security benefit program recently released their report for 2024. As in the past, the trustees are sounding the alarm about the future funding of Social Security benefits as program revenue is expected to fall short of outflows, causing its limited reserves to dwindle over time. Therefore, the trustees recommend that Congress act sooner rather than later to gradually implement changes over time to fill the gap in funding.
Also, The Inflation Reduction Act expanded the federal tax credits available to homeowners who do energy-efficient home improvements. However, many homeowners are finding after the fact that their expenditures do not qualify because the materials do not meet the proper energy rating standard. Therefore, if the tax credit is a key to doing a project, it is important to check these details before proceeding.As well, Credit card rewards can be a valuable benefit as some cards offer generous cash-back or discounts that can be used to fund other expenses. However, as these benefits accrue, they do not increase in value like other savings, so their value is eroded by inflation over time. For this reason, it is often best to use the credit card benefits as they accrue rather than using them as a savings vehicle to cover larger future financial goals.Plus a look at the Planned Solutions Incorporated Office Bulletin Board -The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament was once again a big success! This year we raised over $10,444 for cancer charities bringing our cumulative total to $178,309. We would like to thank everyone who supported the event this year and in years past by attending the tournament, bidding on auction items, and contributing to cancer charities.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpbIntro 00:00Social Security Trustee Report 01:20Home Energy Efficient Tax Credit Details 13:02Spend Credit Card Benefits 18:08Bulletin Board 22:42Planned Solutions, Inc.https://www.plannedsolutions.com/27 min - Coast FIRE Movement, Changes to Real Estate Commissions & Is Gold a Good Investment?
Welcome to the @plannedsolutions Incorporated Podcast. In this episode, we discuss the Financial Independence Retire Early (FIRE) movement was popular several years ago, but many adherents found it to be too difficult to achieve or that it came with downsides that were not worth the effort in the long run. Now a new version of the FIRE movement, called Coast FIRE, is gaining attention as it better balances needs today with the desire for increased financial freedom in the future and maybe attainable for more people.
Also, A recent court ruling may make buying or selling real estate a bit more complicated. The courts ruled that the old structure in which the seller paid both the buyer’s and seller’s agent's commission created potential conflicts of interest and constituted monopolistic behavior. Now buyers will be required to negotiate the compensation with their agents rather than depending on the seller to pay the agents’ commission.As well, Gold has become a popular investment recently due to the perceived economic and political risk that many people feel. However, there are several downsides to owning gold, including the lack of cash flow or liquidity, the higher income tax rate, and the risk of theft. In addition, gold has historically offered lower returns and higher price volatility than other investment vehicles such as stocks.Plus a look at the Planned Solutions Incorporated Office Bulletin Board -Daryl recently volunteered at Sac State providing coaching and guidance to their Financial Wellness Peer Financial Coaches. The Financial Wellness Program at Sac State is a program created to promote and assist students with money management.The income tax return deadline for those who filed for an automatic six-month extension is October 15th this year. Therefore, anyone who has not yet filed their income taxes should start working on them very soon.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpbIntro 00:00Coast FIRE Movement 01:20Changes to Real Estate Commissions 10:32Is Gold a Good Investment? 16:47Bulletin Board 22:08Planned Solutions, Inc.https://www.plannedsolutions.com/27 min - Inflation Is Cooling, But Many Households Still Feel the Pinch, The True Cost of Teen Driving & New Social Security Website
Welcome to the @plannedsolutions Incorporated Podcast. In this episode, we discuss the rate at which prices were increasing has eased but many households are still feeling the pinch from inflation. One of the factors that explains why some households are feeling more of the pinch than others is that inflation has not been evenly distributed across all goods and services. Instead, certain categories have experienced higher inflation than others so the mix of a given household's normal spending will have a big impact on their individual inflation rate.
Also, The costs of adding a teen driver are often far more than most parents anticipate. There are the obvious costs of an additional vehicle, higher insurance premiums, and increased fuel costs. However, there are also the higher costs that often come with the increased freedom that teens can enjoy when they are able to drive themselves. These include higher household food, entertainment, and shopping expenses.As well, The Social Security Administration is updating its website which will require long-time users who registered under the old system to update their accounts. Setting up access to a Social Security account before it is needed is good policy as other forms of accessing Social Security information, such as calling or visiting a local office, can lead to long delays in accessing information that may be needed to file for benefits or file tax returns.Plus a look at the Planned Solutions Incorporated Office Bulletin Board -The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf TournamentDate: Friday, October 11, 2024Location: Rancho Murieta Country Club – North Course7000 Alameda DriveRancho Murieta, CA 95683Time: 1:00pm shotgun start, 5:30pm dinnerYou can register by visiting: https://www.eventcreate.com/e/plannedsolutionsgolftournament2024
All profits go to cancer research and education. You can help by attending the tournament or
donating. Not golfing? Bring friends and attend the dinner.
To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpbIntro 00:00Inflation Is Cooling, But Many Households Still Feelthe Pinch 01:55
The True Cost of Teen Driving 09:58New Social Security Website 15:44Bulletin Board 18:48Planned Solutions, Inc.https://www.plannedsolutions.com/26 min - Acting as a Fiduciary with Tax Agencies Double Estate Tax Exemption Expiration & Pour Over Wills
Welcome to the @plannedsolutions Incorporated Podcast. In this episode we discuss how in an effort to safeguard taxpayer financial information, the IRS has made it more difficult for taxpayers and their appointed professionals to access information stored by the IRS. This is especially true after a taxpayer has passed and a fiduciary has become responsible for their income taxes and the taxes owed by a trust or estate. Therefore, it is important to complete the proper forms and submit them to the proper agency to gain access to needed tax records.
Also, The Tax Cuts and Jobs Act of 2017 is set to sunset at the end of 2025. One of the provisions of the Act that will expire at that time is the double estate tax exemption equivalent which doubles the amount that an individual can shelter from estate and gift taxes from roughly $7 million to $14 million. Therefore, some people may find that estate and gift tax planning could become a greater consideration in the coming months.As well, The often-overlooked part of an estate plan is the Pour-Over Will. Basically, a Pour-Over Will is a catch all that captures any assets that were not reregistered to the trust and do not have beneficiary designations. The Pour-Over Will makes sure those assets are transferred to the trust so they are not orphaned in the estate settlement process. However, Pour-Over Wills do not have the same benefits of a trust as the assets transferred do not avoid the time and cost of probate.Plus a look at the Planned Solutions Incorporated Office Bulletin Board - The summer months have come to an end and therefore we at Planned Solutions are saying goodbye to our summer interns. Both Carter and Matt are returning to college for their senior years with Matt returning to Corvallis, the home of the Oregon State Beavers, and Carter leaving for a study abroad semester in Thailand through Sacramento State University’s International Exchange Program.The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf TournamentDate: Friday, October 11, 2024Location: Rancho Murieta Country Club – North Course7000 Alameda DriveRancho Murieta, CA 95683Time: 1:00pm shotgun start, 5:30pm dinnerAll profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the dinner.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpbIntro 00:00Acting as a Fiduciary with Tax Agencies 01:44Double Estate Tax Exemption Expiration 11:03Pour Over Wills 15:50Bulletin Board 21:48Planned Solutions, Inc.https://www.plannedsolutions.com/27 min - Rise in Financial Literacy Among Young Adults, Adjustable-Rate Mortgages & Eligible BeneficiariesWelcome to the @plannedsolutions Incorporated Podcast. In this episode we discuss A combination of government mandated financial literacy classes and increased access to financial resources online has resulted in a rise in financial literacy among young adults. This has made today’s young adults better prepared to navigate the complex financial world by making well-informed decisions. However, there are still things that parents can do to supplement their kids’ financial education, so they are prepared to excel financially.Also, For homebuyers, the decision to take out a fixed rate mortgage versus an adjustable-rate mortgage can be a big one. Fixed rate mortgages offer more stability and predictability which can make them attractive over long holding periods. Meanwhile, adjustable-rate mortgages typically start at lower rates but may adjust upward or downward in the future and may be more beneficial for shorter holding periods.As well, Now that they IRS has clarified the rules related to Required Minimum Distributions (RMDs)and the 10-year distribution period for IRAs, it is important to understand the exception to this rule. One important exception relates to beneficiaries who are not the decedent’s spouse and are less than 10 years younger than the deceased account owner. This often applies to friends, siblings, or other family members who are beneficiaries of an IRA.Plus a look at the Planned Solutions Incorporated Office Bulletin Board - When it comes to protecting our identity and finances many people tend to not understand the difference between a financial fraud and a financial scam. However, the difference between fraud and a scam can have large implication over whether the victim may be able to recover some or all of their funds.Chase was recently a presenter at the Financial Planning Association’s Far West Roundup,which is a conference held at US Santa Cruz, targeting practitioners who are new to the financialplanning industry.The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament
Date: Friday, October 11, 2024Location: Rancho Murieta Country Club – North Course7000 Alameda Drive
Rancho Murieta, CA 95683Time: 1:00pm shotgun start, 5:30pm dinner All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the dinner.
To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]
The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only.
Please seek the advice of a qualified financial planner before taking any action. Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpb
The Rise in Financial Literacy Among Young Adults 01:31
Adjustable-Rate Mortgages 15:07
Eligible Designated Beneficiaries 22:06
Bulletin Board 25:30
Planned Solutions, Inc.https://www.plannedsolutions.com/
34 min - America’s Stagnant Housing Market, Stock Market Volatility, Inherited Roth IRAs-IRS Final Regulations
Welcome to the @plannedsolutions Incorporated Podcast. In this episode we discuss America’s housing market is facing a new challenge. Homeowners who locked in low mortgage rates, either by buying or refinancing during the low-interest rate period of the pandemic, are hesitant to give up their low-rate mortgages causing them to stay put. This has reduced the number of homes for sale, especially in certain localities, causing tight inventories that keep prices high. The combination of high prices and high interest rates makes housing less affordable.
Also, After starting out the year with strong returns, the US stock market recently declined roughly 8% in a few days. While on the surface this looks concerning, history shows that it is very common for the stock market to experience a pullback of at least 10% in most years, including years where the market posts strong returns. Therefore, thus far, the market selloff should be viewed as a normal and healthy correction.As well, The IRS finally issued tax regulations relating to the rules for non-spouse beneficiaries of a Roth IRA or Roth 401k. After years of confusion the IRS clarified that Roth IRAs must be fully distributed within 10 years of the account owner’s death, similar to traditional IRAs and 401ks, but inherited Roth accounts will not be subject to annual Required Minimum Distributions (RMDs) as inherited traditional IRAs and 401ks will be.Plus a look at the Planned Solutions Incorporated Office Bulletin Board - Chase was a guest speaker at the Financial Planning Association of Northern California’s quarterly meeting focusing on the business of financial planning and how the industry has evolved. The topics ranged from the current mergers and acquisitions landscape in the financial planning industry, as well as ways to incorporate the next generation into the industry as the Baby Boomer generation slowly reduces their workload or retires.With interest rates now much higher than they were a few years ago, many banks have been “playing games” to avoid paying depositors competitive rates. Many banks increased the interest rates paid on legacy accounts slower than the market.
The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament
Date: Friday, October 11, 2024
Location: Rancho Murieta Country Club – North Course
7000 Alameda Drive
Rancho Murieta, CA 95683
Time: 1:00pm shotgun start, 5:30pm dinner
All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the dinner.
To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpbIntro 00:00America’s Stagnant Housing Market 01:28Stock Market Volatility 11:58Inherited Roth IRAs-IRS Final Regulations 17:38Bulletin Board 21:00Planned Solutions, Inc.https://www.plannedsolutions.com/27 min - AI Investing, The Difficult Conversations: Money & Mortality & Summertime Income
Welcome to the @plannedsolutions Incorporated Podcast. In this episode we discuss Artificial Intelligence (AI) has been a popular investment trend in 2024. The excitement around AI is centered around its potential to change the business world and daily life in the future. However, there is still no defined path to generating sufficient revenue and profits from the large investments. In addition, the increase in the value of many AI companies has caused them to already be a meaningful percentage of most investors’ portfolios.
Also, Two difficult topics of conversation for many people are money and mortality. As a result, it is often too easy to put these conversations off, but then an event may happen such as a death, disability, etc. This can create major financial and health challenges which are exacerbated by the lack of knowledge that others have about a spouse’s or parents’ finances and end-of-life wishes.As well, Summertime can be a great time for younger workers to start their working career to gain valuable experience and earn some extra money. In addition, it can also create an opportunity for young workers to get an early start on planning for longer-term financial goals. There are several types of investment accounts that younger workers may want to consider as they can realize long-term tax benefits by utilizing the accounts in addition to earning potential investment returns.Plus a look at the Planned Solutions Incorporated Office Bulletin Board - We recently sent out the registration forms for our annual charity golf tournament. We are busy ordering the giveaways for the tournament and gathering donations for the silent auction. We hope you will be able to attend (either golf or attend the dinner) 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 11, 2024
Location: Rancho Murieta Country Club – North Course
7000 Alameda Drive
Rancho Murieta, CA 95683
Time: 1:00pm shotgun start, 5:30pm dinner
All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the dinner.
To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpbIntro 00:00Artificial Intelligence (AI) Investing 01:28The Difficult Conversations: Money and Mortality 12:30Summertime Income 17:54Bulletin Board 23:11Planned Solutions, Inc.https://www.plannedsolutions.com/27 min - Trying to Demystify Social Security, Earning Season And US Wealth Distribution
Welcome to the @plannedsolutions Incorporated Podcast. In this episode we discuss how the Social Security system can be very complex. Yet, Social Security often represents a large percentage of the average retiree’s income in retirement. Therefore, it is important to understand how Social Security benefits are calculated and the issues that should be considered when assessing different claiming strategies in retirement, much of which comes down to a retiree’s expectations about how long they are likely to live in retirement.
Also, The second quarter earnings season could be a test for stocks. S&P 500 earnings have been relatively flat over the prior three quarters while stock prices have surged to new highs. Now, earnings growth expectations have increased as analysts look for companies to report strong results to justify their stock return. Should earnings exceed expectations it could be a good omen for stocks while poor earnings growth could have negative implications.As well, In the US there is often an unhealthy focus on the few people who have achieved the highest net worth making them the top fraction of a percent of the wealth distribution. This can make people feel less successful than they actually are when it comes to achieving financial security. In reality, many people may be able to achieve wealth that will put them in the top 5% or 10% of households with diligent planning and savings, which is a good result, even if the top 1% is out of reach.Plus a look at the Planned Solutions Incorporated Office Bulletin Board - Voice deepfakes happen when a hacker takes a recording of your voice, clones it and then manipulates it. Unfortunately, hackers now have more access than ever before to our voices through videos, FaceTime chats, Zoom meetings, etc. that can be saved on any of our devices.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpbIntro 00:00Trying to Demystify Social Security 01:20Earning Season 10:53US Wealth Distribution 18:14Bulletin Board 22:51Planned Solutions, Inc.https://www.plannedsolutions.com/27 min - Home Improvements: Tax Codes & Tax Breaks, Funds In Your Checking, Fixed Annuities vs CDs
Welcome to the @plannedsolutions Incorporated Podcast. We discuss how when it comes to home improvements there may be some tax implications that homeowners should be aware of. These include the deduction of interest on loans to finance improvements, the need to track the tax basis of a property, and some tax credits that may be allowed for energy efficient home improvements. Some of these benefits can be substantial while others are fairly minor, so it is important to understand the cost/benefit before committing to a project.
Also, A checking account is often the first financial tool that an individual will set up. However, it is also the financial account that gets the least amount of attention when it comes to financial planning. It is important to manage checking account balances by not having too high of a balance in order to reduce fraud risks and earn higher returns. It is also important to hold enough to cover monthly needs and possible financial emergencies.As well, With interest rates nearing multidecade highs, there is more and more interest in investing in vehicles that offer competitive interest rates. Two common options for longer-term savings are Fixed Annuities and Certificates of Deposit (CDs). However, these investments each have their pros and cons which should be examined carefully as there are a number of issues that must be considered; including taxes, withdrawal penalties, and whether the interest rate is locked-in or fluctuates.Plus a look at the Planned Solutions Incorporated Office Bulletin Board -The IRS has confirmed that they have sent erroneous CP14 notices requesting the balance of tax due be paid for the 2023 tax year. The IRS is having a nationwide delay in processing tax payments. An error in their processing of these payments is causing these CP14 notices to bemailed to taxpayers. The advice we are receiving is to have clients wait from six to eight weeks to see if the payments get posted to the taxpayer's account. Your IRS.gov account should show the reconciliation of the payments for 2023 in the recommended time frame. If the payments are not reconciled after the waiting period, we can help clients provide proof of payment to remove any penalties that have been accessed that were not removed by the IRS.We are excited to welcome Carter Osborne (CSUS) and Matthew Young (Oregon State University) as our Summer Interns. They are both Juniors in college pursuing their undergraduate degrees in Business Administration with an emphasis on Financial Planning. They will be spending the next 12 weeks working closely with each of our team members learning all aspects of the financial planning process, including: administrative tasks, relationship management, investment management, financial planning, tax planning, and tax preparation.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail [email protected]The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.Chase Armer's book- Financial Planning Insights is now available at:https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpbIntro 00:00Home Improvements: The Tax Code and Tax Breaks 01:47How Much Should You Keep in Your Checking Account 15:14Fixed Annuities vs CDs 20:25PSI Office Bulletin Board 21:22Planned Solutions, Inc.https://www.plannedsolutions.com/30 min
About Planned Solutions
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Planned Solutions is an Independent Financial Planning Firm - looking out for our client's best interests. With over 30 years in the financial planning business, we at Planned Solutions will help guide you to a secure financial future.
At Planned Solutions, a CERTIFIED FINANCIAL PLANNER™ professional will sit down with you, review your current situation and work with you to develop an individualized financial plan and implement an asset management strategy. We are very familiar with the range of options available today – investment opportunities, savings, pension plans and insurance products – and will help you identify which choices are best suited for both you and your family’s goals.
Financial planning, retirement planning, investment management, estate planning, insurance analysis, and tax planning and preparation are our specialties. Please give us a call for a complimentary initial consultation, where we will discuss your goals and help design a plan of action.
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