Real Money Pros

What a wild ride 2025 has been so far! We dive into the latest market swings and how tariffs are shaking up the economy. Jeremiah and Nic break down what the recent tariff discussions mean for businesses, consumers, and your portfolio. They also tackle the volatility that has defined 2025 so far—why markets keep swinging and how to stay level-headed through the noise. Do you think tariffs will be good or bad for our country?

The conversation then shifts to tax planning, including key strategies to maximize deductions, the impact of the expiring Tax Cuts and Jobs Act, and whether Roth conversions should be on your radar before potential tax hikes.

Plus, the guys dig into real-life financial planning scenarios—managing estate taxes, protecting your wealth in blended families through proper estate planning and prenuptial agreements, and, of course, the financial scams to watch out for this tax season. AI-driven fraud is on the rise, and it's getting more sophisticated—don't get caught off guard!

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Jeremiah Bates & Nic Daniels

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SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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This week, mortgage rates are top of mind as we discuss where they're headed in 2025 and how the bond market is influencing lending rates. Guild Mortgage's Dave Perry joins the show to break down home-buying strategies in today's high-rate environment.

Next, we explore how interest rate trends could impact your investments and borrowing power. The Federal Reserve's latest stance suggests a "wait and see" approach—so what does that mean for markets and your portfolio?

Finally, the recent elimination of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) could mean thousands more in benefits for certain retirees. We discuss what this means, who qualifies, and why you need to prepare for potential tax implications.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Jeremiah Bates & Alex Lundgren

Guest:

Dave Perry, Guild Mortgage

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SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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On this episode, Jeremiah and Nic discuss how to navigate the complex tax season, offering tips for understanding 1099 forms and avoiding tax surprises. The duo dives into artificial intelligence and its potential impact on the economy, from energy demands to legislative risks, providing listeners with perspectives on investment opportunities and challenges in the AI space. Additionally, they explore the evolving role of financial advisors, highlighting the importance of trust and comprehensive planning that aligns with clients' values and long-term goals.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Jeremiah Bates & Nic Daniels

Wealth Management Advisors at Tree City Advisors of Apollon

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SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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Brian Wiley and Jeremiah Bates unpack the dangers of bad advice on platforms like TikTok, highlighting how poorly sourced financial tips can lead to major IRS troubles. They emphasize the importance of vetting financial advisors and understanding credentials to ensure your money is in trusted hands. Too bad it didn't stay banned for long!

They then shift to pensions, exploring the pros and cons of lump-sum payouts versus lifetime payments. The hosts address factors like interest rates, flexibility, and the long-term viability of pension providers. They also highlight the nuances of joint-life and single-life payout options, along with how to align these decisions with your retirement goals. Plus, donor-advised funds can be a strategic charitable giving tool. The hosts explain how these funds work and the tax advantages they offer, especially for those with RMD obligations.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Brian Wiley & Jeremiah Bates

—————————————————————

SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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Looking back at the week, Jeremiah and Brian dive into the latest job numbers and their surprising market impact, exploring how strong employment figures might influence Federal Reserve decisions and bond yields in the months ahead. They examine the intricacies of Qualified Charitable Distributions (QCDs) and Donor-Advised Funds (DAFs), showing how strategic giving can maximize tax benefits while supporting causes close to your heart. Plus, it's never been easier to start a business here in the United States. Brian shares a story about how easy it is – no excuses!

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Brian Wiley & Jeremiah Bates

—————————————————————

SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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To kick off 2025, Brian Wiley and Jeremiah Bates dive into the year ahead with actionable insights on smart tax strategies, the evolving crypto market, and navigating the housing landscape. They emphasize the power of Roth conversions and other pre-tax tools like HSAs and 401(k)s, providing guidance on how to optimize your tax picture and keep more money in your pocket.

The guys explore how market trends, including semiconductors and other tech investments, could shape 2025. The duo weighs the potential of AI-driven industries and crypto's long-term prospects, unpacking the implications of regulatory developments for investors. Plus, get tips for tackling the housing market creatively amid high interest rates.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Brian Wiley & Jeremiah Bates

—————————————————————

SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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As we hit the final weeks of December, we're gearing up for the financial challenges and opportunities that lie ahead in 2025. The conversation kicks off with expert insights on recent market movements, helping you understand what's driving the end-of-year volatility.

Brian and Jeremiah talk about value and growth investing, offering practical guidance on where to focus your attention as interest rates fluctuate and the Federal Reserve sets its course for the coming year. This is a segment worth paying attention to going into January.

Wrapping things up, we dive into year-end tax strategies designed to boost your bottom line. From maximizing Roth conversions to smart tax planning for retirees, these actionable tips will help you make the most of your financial opportunities before the clock strikes midnight on December 31st.

Have a very Merry Christmas!

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Brian Wiley & Jeremiah Bates

—————————————————————

SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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Jeremiah Bates and Alex Lundgren kick off the show by addressing common retirement planning mistakes, emphasizing the importance of saving early, adjusting plans over time, and preparing for rising healthcare costs. They highlight how neglecting these steps can derail your financial security in retirement. We see these often! They also dive into effective debt management, offering tips to avoid high-interest traps and use debt strategically.

Tax planning also takes center stage with a discussion on Roth conversions and their potential impact on Medicare premiums and overall tax liability. Jeremiah and Alex stress the importance of understanding how financial actions, like selling assets, affect your tax picture. Plus, advice on investment diversification to manage risks and behavioral finance tips to overcome emotional decision-making that can (and will) harm your portfolio.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Jeremiah Bates & Alex Lundgren

—————————————————————

SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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Brian and Jeremiah kick off today's discussion with the concept of simplicity in financial planning—reminding us that overcomplicating strategies can often lead to unnecessary stress. From estate planning to consolidating accounts, they emphasize the value of keeping things straightforward, especially when working across generations within families. The guys also delve into charitable giving and the often-overlooked tax benefits it can provide. By fine-tuning how donations are executed, you can maximize tax savings while supporting causes that matter to you.

Plus, options trading takes center stage as they explain its mechanics, risks, and potential rewards using relatable analogies. Whether you're a seasoned investor or just curious about options, their insights help you understand this complex investment strategy. Remember to be smart about your options trading! Your risk could be unlimited.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Brian Wiley & Jeremiah Bates

—————————————————————

SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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After the shortened trading week, Brian Wiley and Jeremiah Bates tackle the increasing threat of financial scams, particularly those targeting the elderly. With over $10 billion reported lost to scams in 2023, they discuss the importance of vigilance in protecting loved ones and yourself from fraud. 'Tis the season to be scamming!

Additionally, the duo explores elder financial exploitation by trusted individuals, such as family members or caregivers. The hosts discuss systemic vulnerabilities and the vital role of fiduciary responsibility in safeguarding assets. Whether you're navigating caregiving arrangements or seeking ways to assist aging parents, this episode provides insights to protect against exploitation and maintain financial security.

Listen, Watch, Subscribe, Ask!

https://www.therealmoneypros.com

Hosts:

Brian Wiley & Jeremiah Bates

—————————————————————

SPONSORS:

Guild Mortgage:

https://guildmortgage.com

Ataraxis PEO

https://ataraxispeo.com

Tree City Advisors of Apollon:

https://www.treecityadvisors.com

Apollon Wealth Management:

https://apollonwealthmanagement.com/

Formations:

https://get.formationscorp.com/real-money-pros

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