The Decision Dividend

The Decision Dividend

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The Decision Dividend episodes

  • Year-End Financial Planning Decisions You Need to Make by December 31

    Some financial-planning opportunities can wait until you file your tax return. Others disappear when the calendar turns to January.

    In Episode 45 of The Decision Dividend, Marcus Schafer is joined by Tim Daly, CFP®, CPA, TPCP® to discuss the year-end decisions investors should evaluate before December 31. Rather than focusing only on reducing this year’s taxes, the conversation examines how today’s choices can affect your lifetime tax bill.

    You’ll learn:

    • How to identify the year-end moves that fit your situation, including Roth conversions, realizing investment gains or losses, charitable giving, retirement contributions, and annual gifts.
    • Why your marginal tax rate may be more complicated than the bracket shown on a tax table, particularly when deductions, capital-gains rates, Medicare premiums, and other phaseouts interact.
    • How a year-end tax projection can help coordinate your income, deductions, withholding, and estimated payments before important deadlines pass.

      • Chapters

      00:00 Year-End Decisions to Make Before December 31

      01:54 Tax Planning vs. Tax Preparation

      04:18 What Changed for 2026 Tax Planning

      05:43 The Hidden Tax Rates Created by Phaseouts

      13:07 New Charitable-Giving Decisions for 2026

      17:31 Harvesting Losses and Gains

      31:02 When a Roth Conversion Makes Sense

      35:00 Annual Gifts Before Year-End

      36:21 Retirement Contribution Limits and QCDs

      39:08 Required Minimum Distributions

      40:19 Withholding, Estimated Payments, and Tax Penalties

      42:48 Why You Should Not Wait Until December 31

      45:16 Focus on Your Lifetime Tax Bill

       

      If charitable giving is part of your year-end planning, our previous episode, Advanced Charitable Giving Strategies, takes a deeper look at how to give more effectively, including strategies that can help align your generosity with your tax, investment, and legacy goals.

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      Disclosure

      Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results. This material is not tax or legal advice. Consult qualified tax and legal professionals before implementing a year-end planning strategy.

      47 min
    • Advanced Charitable Giving Strategies

      Giving starts with a cause you care about. But once you decide to give, another question follows: What is the most effective way to do it? Writing a check may be the simplest option, but it is not always the most effective.

      In Episode 44 of The Decision Dividend, Pat Collins and Marcus Schafer continue their conversation on intentional philanthropy by exploring the financial-planning and tax considerations behind charitable giving.

      • How to choose the right giving strategy based on your goals, tax situation, and stage of life.
      • Ways to make charitable dollars go further, from appreciated investments and donor-advised funds to qualified charitable distributions.
      • When advanced planning strategies may make sense for families focused on legacy, estate planning, and long-term impact.

        • The goal is not simply to reduce taxes. It is to coordinate your giving with your investments, income, estate plan, and the impact you want your charitable dollars to have.

        If giving is part of your plan, this episode can help you understand the options and ask better questions before you act.

         

        Chapters

        00:00 From the “Why” to the “How” of Charitable Giving

        01:43 Start with Your Financial Plan
        03:10 The Real Financial Cost of Giving
        06:13 Standard vs. Itemized Deductions
        10:45 How New Tax Rules Affect Charitable Giving
        12:19 Bunching Multiple Years of Charitable Giving
        16:14 Why a Tax Projection Helps
        17:30 Donating Appreciated Investments Instead of Cash
        20:14 Resetting Cost Basis and Diversifying Your Portfolio
        24:21 How Donor-Advised Funds Work
        29:34 Qualified Charitable Distributions from an IRA
        33:09 A Common QCD Tax-Reporting Mistake
        36:27 Private Foundations
        42:36 A New Deduction for Cash Gifts
        43:19 Charitable Trusts
        48:46 Putting the Charitable Giving Strategies Together
        50:10 Giving Well Requires Planning

        If you missed Episode 43, our conversation with the CEO of the Baltimore Community Foundation explores how to evaluate causes, nonprofits, and philanthropic impact before deciding where to give. Watch Episode 43: How to Give More Intentionally with Dr. Shanaysha Sauls

         

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        Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results. This material is not tax or legal advice. Consult qualified tax and legal professionals before implementing a charitable-giving strategy.

        51 min
      • How to Give More Intentionally with Dr. Shanaysha Sauls

        Giving sounds easy. Giving well takes thought.

        In Episode 43 of The Decision Dividend, Dr. Shanaysha Sauls, President & CEO of the Baltimore Community Foundation, joins us to discuss her simple framework for charitable decision-making.

        Gut. Head. Heart.

        Together we discuss:

        • How thoughtful donors evaluate nonprofits before making significant gifts 
        • What Form 990s and funding sources can reveal about a nonprofit's financial resilience
        • Why overhead is often misunderstood and impact is difficult to measure 
        • How families can transfer not just wealth, but philanthropic values and legacy 
        • How businesses can develop a giving strategy that reflects their values and community priorities

        Chapters

        00:00 Giving Sounds Easy. Giving Well Takes Thought.

        06:21 What Community Foundations Actually Do
        09:43 Defining Your Philanthropic Why
        14:55 Gut. Head. Heart.
        19:22 Understanding Nonprofit Funding Sources
        26:04 The Truth About Overhead
        32:36 Measuring Impact Beyond Outputs
        39:44 Transferring Legacy Across Generations
        47:51 Building a Corporate Giving Strategy
        52:29 The One Question Every Donor Should Ask


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        Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results. This material is not tax or legal advice. Consult qualified tax and legal professionals before implementing a charitable-giving strategy.

        51 min
      • The Most Important Number in Finance: The Risk-Free Rate

        What it is, why it matters, and who really sets it.

        Interest rates influence nearly every financial decision, from what you earn on cash to what you pay on a mortgage and how stocks, bonds, real estate, and businesses are valued. But despite how often we hear about “the interest rate,” there is no single rate, and the Federal Reserve does not control all interest rates.

        In Episode 42 of The Decision Dividend, Pat Collins and Marcus Schafer explain the risk-free rate, the forces that shape it, and what changes in interest rates actually mean for savers and borrowers.

        You’ll learn:

        • Why “the interest rate” is actually a curve with different rates for different time periods
        • How the Federal Reserve and financial markets each influence interest rates
        • How changing rates may affect your cash, debt, investments, taxes, and financial plan

          • Market rates and statistics are as of August 27, 2026.

          Sources

          1. Board of Governors of the Federal Reserve System, “15 Selected Interest Rates.”
          2. Federal Reserve Bank of New York, “Monetary Policy Implementation.”
          3. Eugene F. Fama, “Does the Fed Control Interest Rates?” The Review of Asset Pricing Studies, 2013. Fama, “Does the Fed Control Interest Rates?”
          4. John H. Cochrane, “Who Is Walking Who?” 2015. Cochrane, “Who Is Walking Who?”
          5. Dimensional Fund Advisors, “What Happens to Stocks When Interest Rates Change?”
          6. Vanguard, “Why Higher Yields May Be Good for Many Retirement Investors,” 2023.
          7. Federal Reserve H.15 and Federal Reserve Bank of New York for rates
          8. Investment Company Institute [for money market fund assets] https://www.ici.org/research/stats/mmf
          9. YCharts https://www.linkedin.com/posts/-justinbrown_investing-chartoftheweek-activity-7498762196001157120-vdPh?utm_source=share&utm_medium=member_desktop&rcm=ACoAADVDgmAB8c4Wr1FL_cn1hvA9192lEx_eUYQ

            10.  

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            Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results.

             

            47 min
          10. License to Spend: How to Use Money to Build a Happier Life

            Last episode explored how more money can improve well-being. So, how should you spend it to improve your life?

            In Episode 41 of The Decision Dividend, Pat Collins and Marcus Schafer explore research suggesting that experiences, spending on others, and buying back time often produce more happiness than material purchases alone.

            You’ll learn:

            • Why experiences create lasting happiness through anticipation, connection, and memories
            • How giving to others can strengthen relationships and create a greater sense of purpose
            • Why buying back time can reduce stress and make room for what matters most
            • How to make material purchases more rewarding

              •  

              Episodes Referenced

              Episode 40, Can Money Buy Happiness? A Nobel Laureate’s Famous Finding Revisited

              Episode 10, How Much Money Do I Need to Retire?

              Episode 33, Where Should Your Extra Savings Go?

               

              Sources

              1. Elizabeth W. Dunn, Daniel T. Gilbert, and Timothy D. Wilson, “If Money Doesn’t Make You Happy, Then You Probably Aren’t Spending It Right,” Journal of Consumer Psychology, 2011. https://www.sciencedirect.com/science/article/abs/pii/S1057740811000209
              2. Thomas Gilovich, Amit Kumar, and Lily Jampol, “A Wonderful Life: Experiential Consumption and the Pursuit of Happiness,” Journal of Consumer Psychology, 2015. https://www.sciencedirect.com/science/article/abs/pii/S105774081400093X
              3. Bill Perkins, Die With Zero: Getting All You Can from Your Money and Your Life, 2020. https://dwzero.com/
              4. Leaf Van Boven and Thomas Gilovich, “To Do or to Have? That Is the Question,” Journal of Personality and Social Psychology, 2003. https://pubmed.ncbi.nlm.nih.gov/14674824/
              5. Elizabeth W. Dunn, Lara B. Aknin, and Michael I. Norton, “Spending Money on Others Promotes Happiness,” Science, 2008. https://pubmed.ncbi.nlm.nih.gov/18356530/
              6. Lara B. Aknin, Elizabeth W. Dunn, and Michael I. Norton, “Happiness Runs in a Circular Motion: Evidence for a Positive Feedback Loop Between Prosocial Spending and Happiness,” Journal of Happiness Studies, 2012. https://www.hbs.edu/faculty/Pages/item.aspx?num=42426
              7. Ashley V. Whillans, Elizabeth W. Dunn, Paul Smeets, Rene Bekkers, and Michael I. Norton, “Buying Time Promotes Happiness,” Proceedings of the National Academy of Sciences, 2017. https://www.pnas.org/doi/10.1073/pnas.1706541114
              8. Sandra C. Matz, Joe J. Gladstone, and David Stillwell, “Money Buys Happiness When Spending Fits Our Personality,” Psychological Science, 2016. https://pubmed.ncbi.nlm.nih.gov/27056977/
              9. https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs

                10. Follow The Decision Dividend

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                Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results.

                38 min
              10. Can Money Buy Happiness? A Nobel Laureate’s Famous Finding Revisited

                The headline was simple: happiness reaches a point of diminishing returns around $75,000 of income. The research that followed revealed a more complicated reality in which additional income can still improve well-being, but not equally for everyone or in every circumstance.

                In Episode 40 of The Decision Dividend, Pat Collins and Marcus Schafer explore what the evolving evidence can teach us about money, happiness, and the meaning of “enough.”

                You’ll learn:

                • What the original $75,000 happiness study actually found and how newer research changed its interpretation
                • The one question Pat asked to get his family talking about money and why the same dollar can represent security, freedom, or generosity to different people
                • How high earners and millionaires can make more intentional financial decisions, including whether to work longer, spend more, or use their wealth to create greater belonging and purpose

                  • For a deeper look at the financial side of defining enough, revisit Episode 10, How Much Money Do I Need to Retire?

                   

                  Chapters

                  00:00 Can Money Buy Happiness? (1, 2, 3)

                  03:37 Measuring Happiness and the Famous $75,000 Finding (1)

                  10:44 What Does “Enough” Really Mean?

                  15:50 How Income Affects Happy and Unhappy People Differently (2, 3)

                  18:29 Wealth, Luck, and Gratitude

                  22:31 Security, Belonging, and Purpose

                  27:25 What Does Money Mean to You?

                  31:12 How High Earners and Millionaires Can Think About Spending

                  35:41 Buying Back Time and Strengthening Relationships

                  40:17 Should You Work One More Year?

                   

                  Sources

                  • Daniel Kahneman and Angus Deaton, “High Income Improves Evaluation of Life but Not Emotional Well-Being,” Proceedings of the National Academy of Sciences, 2010
                    • https://www.pnas.org/doi/full/10.1073/pnas.1011492107
                  • Matthew A. Killingsworth, “Experienced Well-Being Rises with Income, Even Above $75,000 per Year,” Proceedings of the National Academy of Sciences, 2021
                    • https://www.pnas.org/doi/full/10.1073/pnas.2016976118
                  • Matthew A. Killingsworth, Daniel Kahneman, and Barbara Mellers, “Income and Emotional Well-Being: A Conflict Resolved,” Proceedings of the National Academy of Sciences, 2023
                    • https://www.pnas.org/doi/10.1073/pnas.2208661120

                     

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                    Sources include Kahneman and Deaton (2010), Killingsworth (2021), and Killingsworth, Kahneman, and Mellers (2023). These studies report population-level associations between income and self-reported well-being; they do not establish causation or predict results for any individual. Study measures, samples, and income levels differ.

                    This discussion is for educational purposes and is not individualized investment, tax, or legal advice. Financial planning involves assumptions and cannot assure that goals will be achieved. Individual circumstances and outcomes vary. The examples and heuristics referenced are illustrative rules of thumb, not planning advice.

                    Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results. This discussion is for educational purposes and is not individualized investment, tax, or legal advice. Financial planning involves assumptions and cannot assure that goals will be achieved. Individual circumstances and outcomes vary.

                    41 min
                  • Is Direct Indexing Worth the Complexity with Brant Cavagnaro

                    Have markets and technology advanced enough that investors should consider owning the individual stocks in an index rather than investing through a pooled vehicle such as an ETF or mutual fund?

                    In Episode 39 of The Decision Dividend, we’re joined by Brant Cavagnaro to explore how direct indexing works, who may benefit most, and when a low-cost commingled fund may still be the better choice.

                    You’ll learn:

                    • What distinguishes direct indexing from an ETF, mutual fund, or traditional separately managed account
                    • How direct indexing may turn tax drag into potential tax alpha, even in rising markets
                    • Which investors may benefit most from personalizing portfolios, harvesting losses, offsetting large gains, and donating appreciated securities
                    • The limits of direct indexing, from the downsides of personalization to tax benefits that may fade over time

                      • Sources

                      1. Shomesh E. Chaudhuri, Terence C. Burnham, and Andrew W. Lo, “An Empirical Evaluation of Tax-Loss-Harvesting Alpha,” Financial Analysts Journal, 2020
                        2. https://rpc.cfainstitute.org/research/financial-analysts-journal/2020/0015198x-2020-1760064
                      2. Vanguard, “Tax-Loss Harvesting: Why a Personalized Approach Is Important”
                        3. https://corporate.vanguard.com/content/dam/corp/research/pdf/tax_loss_harvesting_why_a_personalized_approach_is_important.pdf
                      3. Libor Gromis, Nathan Sosner, and Steven Krasner, “The Tax Benefits of Direct Indexing: Not a One-Size-Fits-All Strategy,” AQR
                        4. https://www.aqr.com/Insights/Research/Journal-Article/The-Tax-Benefits-of-Direct-Indexing
                      4. Savina Rizova and Mark Krasniewski, “A Historical Perspective on Multifaceted Tax Management,” Dimensional Fund Advisors, 2025
                        5. https://www.dimensional.com/us-en/insights/a-historical-perspective-on-multifaceted-tax-management

                        For a broader look at how direct indexing fits alongside other investment innovations, revisit Episode 27, The Future of Investment Management:

                        https://www.youtube.com/watch?v=NktNNSc44NM&t=492s

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                        https://greenspringadvisors.com/the-decision-dividend/

                        Meet with Pat & Marcus:

                        https://outlook.office365.com/book/MarcusCalendaratGreenspringAdvisors@Greenspringos33.onmicrosoft.com

                        Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results.

                         

                        42 min
                      5. Don’t Let Taxes Choose Your Retirement State

                        Retirement is a natural time to rethink where you live. But moving states is not just a tax decision.

                        In Episode 38 of The Decision Dividend, Pat and Marcus discuss how to evaluate a retirement move by starting with quality of life, then running the numbers. The goal is not to ignore taxes, but to understand them in the context of your actual retirement income, residency, housing, insurance, and relationships.

                        You’ll learn:

                        • Why retirement tax rates can look different from your working years
                        • How even modest tax savings can compound, and where timing creates planning opportunities
                        • Why lower taxes can be offset by other costs, and why the best moves strengthen relationships

                          • Chapters

                          00:00 Don’t Let Taxes Choose Your Retirement State

                          02:13 Relationships Before Tax Rates (1)

                          05:46 Why Retirees Move States (2)

                          08:14 Cost of Living vs. Tax Rates

                          11:38 Retirement Income Tax Differences (3, 4)

                          14:27 Residency and Second Homes

                          18:27 Survivor Tax Penalty and Estate Taxes

                          23:04 Timing the Move and Planning Opportunities

                          31:35 The Costs That Offset Tax Savings

                          35:32 Quality of Life First, Money Second

                          Sources

                          1. Harvard Study of Adult Development, “Grant and Glueck Study.”
                            2. https://www.adultdevelopmentstudy.org/grantandglueckstudy
                          2. SmartAsset, “Where Retirees Are Moving - 2025 Study.”
                            3. https://smartasset.com/data-studies/where-retirees-move-2025
                          3. Fidelity, “The Best States to Retire for Taxes.”
                            4. https://www.fidelity.com/learning-center/personal-finance/best-states-to-retire-for-taxes
                          4. Fidelity, “Is Social Security Income Taxed?”
                            5. https://www.fidelity.com/learning-center/personal-finance/is-social-security-taxed

                            Related episodes

                            The Goal of Tax Planning is to Minimize Lifetime Taxes

                            https://www.youtube.com/watch?v=4yqL1F5lCCI

                            Where Should Your Extra Savings Go? | The Decision Dividend #33

                            https://www.youtube.com/watch?v=MeusOx0uNEU

                            Should You Sell or Borrow from Your Portfolio? | Return on Reason #30

                            https://www.youtube.com/watch?v=FlhdhEhDx1I

                            Follow and subscribe

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                            Meet with Pat & Marcus: https://outlook.office365.com/book/MarcusCalendaratGreenspringAdvisors@Greenspringos33.onmicrosoft.com

                            Disclaimer

                            Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results. While no single study can determine what is most important for every individual, this research illustrates that non-financial considerations can play an important role when evaluating retirement decisions.

                             

                            * CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S.

                            37 min
                          5. How to Exit a Rental Property Tax-Efficiently with Dan Mong

                            A rental property can have been a great investment and still no longer be a great investment to keep. Deciding what to do next requires weighing not just the expected return, but the broader set of tax-efficient exit options available to real estate owners.

                            In Episode 37 of The Decision Dividend, we’re joined by Dan Mong, one of Greenspring’s most experienced advisors in real estate planning, to assess a property’s expected return and weigh the after-tax tradeoffs of selling, refinancing, or reinvesting.

                            You’ll learn:

                            • How to periodically reassess a rental property’s investment performance using cap rate, return on equity, and its expected return relative to other opportunities
                            • How capital gains, depreciation recapture, net investment income tax, and taxable “boot” can affect the after-tax outcome of a sale or exchange
                            • How the main options work, including selling and reinvesting the proceeds, refinancing, completing a 1031 exchange, and investing through a Delaware Statutory Trust (DST)

                              • Chapters

                              00:00 How to Exit a Rental Property Tax-Efficiently

                              02:08 Should You Keep or Sell?
                              11:24 The Tax Cost of Selling
                              16:44 Sell, Reinvest, or Refinance
                              23:29 How a 1031 Exchange Works
                              32:02 When a 1031 Exchange Becomes Taxable
                              35:20 Delaware Statutory Trusts
                              45:40 Start With the End Goal

                              Related episode:

                              Real Estate: Expected Returns and Expected Headaches | The Decision Dividend #9

                              Learn More About Dan Mong:

                              https://greenspringadvisors.com/about/team/daniel-mong-cfp/

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                              Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results.

                              47 min
                            • Can You Be a Part-Time Fiduciary?

                              Can someone be a fiduciary while also earning commissions for selling financial products? The answer is more complicated than many investors realize.

                              In Episode 36 of The Decision Dividend, Pat Collins and Marcus Schafer explore the history and meaning of fiduciary duty, the different standards governing financial advice, and the signals investors can use to evaluate an advisor.

                              You’ll learn:

                              Why fiduciary duty requires the duty of loyalty and the duty of care.

                              How investment advisers, broker-dealers, hybrid advisors, and CFP professionals can operate under different standards and forms of oversight.

                              Why investors should evaluate compensation, registration, credentials, experience, and firm structure together rather than relying on a single label.

                               

                              Sources

                              1. Douglas Harper, “Fiduciary,” Online Etymology Dictionary. https://www.etymonline.com/word/fiduciary
                              2. Irina Gvelesiani, “From the History of the Development of ‘Trust’ and Terminological Units Related to It,” Electronic International Interdisciplinary Conference, 2013. https://www.researchgate.net/publication/286912647_From_the_History_of_the_Development_of_Trust_and_Terminological_Units_Related_to_it
                              3. U.S. Securities and Exchange Commission, “Commission Interpretation Regarding Standard of Conduct for Investment Advisers,” Release No. IA-5248, 2019. https://www.federalregister.gov/d/2019-12208
                              4. U.S. Securities and Exchange Commission, “Regulation Best Interest: The Broker-Dealer Standard of Conduct,” Release No. 34-86031, 2019. https://www.sec.gov/rules-regulations/2019/06/s7-07-18
                              5. CFP Board, “Code of Ethics and Standards of Conduct.” https://www.cfp.net/ethics/code-of-ethics-and-standards-of-conduct
                              6. Electronic Code of Federal Regulations, 29 CFR § 2510.3-21, “Definition of Fiduciary.” https://www.ecfr.gov/current/title-29/subtitle-B/chapter-XXV/subchapter-B/part-2510/section-2510.3-21

                                7. Follow on Apple Podcasts: https://podcasts.apple.com/us/podcast/greenstream/id1795467982

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                                Subscribe for Email Updates: https://greenspringadvisors.com/greenstream-podcast

                                Meet with Pat & Marcus: https://outlook.office365.com/book/MarcusCalendaratGreenspringAdvisors@Greenspringos33.onmicrosoft.com

                                Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results.

                                35 min

                              About The Decision Dividend

                              From the publisher's feed

                              A podcast specifically focused on helping every person live their ideal life by helping them make better decisions around their finances, relationships, and life.