The Fit Wealth Show

Episode Title: Asset Allocation vs. Asset Location: The Retirement Planning Strategy Most Investors Miss 

Episode Summary 

Most people have heard of asset allocation — the mix of stocks, bonds, and investments in a portfolio. But almost no one talks about asset location — where those investments are held (taxable, tax-deferred, or tax-free accounts). 

Here’s the truth: You can have the perfect allocation, but if your location strategy is wrong, you could lose tens of thousands of dollars to taxes in retirement. 

In this episode of The Fit Financial Podcast, we’re unpacking the difference between allocation and location, the costly mistakes most investors make, and how you can design a more tax-efficient portfolio that keeps more money in your pocket. 

What You’ll Learn in This Episode 

Key Takeaways 

Resources & Links 

The Fit Wealth Show is brought to you by Plan Group Financial, Inc. (PGF) d/b/a Fit Wealth Advisors. PGF d/b/a Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results. 

Episode Title: Are You On Track for Retirement? Benchmarks, Rules of Thumb, and Your Real Number 

Episode Summary 

If you’re in your 40s, 50s, or 60s, you’ve probably wondered: “Am I saving enough for retirement?” Maybe you’ve even Googled it and seen benchmarks like 3× your salary saved by 40, 6× by 50, or 10× by 60. But what do those numbers really mean — and do they apply to your life? 

In this episode of The Fit Financial Podcast, we’re breaking down retirement readiness benchmarks, why common rules of thumb like the 4% Rule can be misleading, and how to create a retirement strategy that actually fits your lifestyle and goals. 

What You’ll Learn in This Episode 

Links Mentioned 

Wrap-Up 

Benchmarks are a helpful starting point — but your retirement plan has to be customized to you. This episode will help you understand the numbers, the pitfalls of relying only on rules of thumb, and the steps you can take now to feel confident about your financial future. 

How Much Should I Have in Real Estate vs. Investments? 

Episode Description: 

Real estate or stock market? 

It’s one of the biggest debates in the world of wealth building — and everyone’s got an opinion. 

In this episode, we break down the real conversation high-income earners should be having: 

What’s the right balance between real estate and traditional investments — for your goals, cash flow, and lifestyle? 

You’ll hear: 

 ✅ The pros and cons of both real estate and market investments 

 ✅ When real estate actually becomes passive income 

 ✅ How to use real estate for tax strategy (without over-leveraging) 

 ✅ Why liquid investments still matter — even if you love tangible assets 

 ✅ The decision-making framework we use with clients to strike the right balance 

Whether you own rental properties, investments, or are trying to decide if real estate is your next move — this episode will give you the clarity to align your asset mix with your long-term plan. 

📌 Links & Resources: 

 👉 DM me on Instagram @thefitfinancial_ 

🔁 Share This Episode: 

Know someone who’s all-in on real estate… or hasn’t touched it yet? 

Send them this episode for a balanced take on building sustainable wealth. 

IULs as Retirement Plans: Smart Strategy or Sales Trap? 

Episode Description (Show Notes): 

You've probably seen the pitch: 

"Tax-free retirement!" 

 "Be your own bank!" 

 "Never lose money in the market again!" 

In this episode, we're diving deep into one of the most aggressively marketed financial tools right now — Indexed Universal Life insurance (IUL) — and the growing trend of using it as a retirement plan. 

We break down: 

If you're a high earner and someone’s pitched you an IUL as the solution to your retirement, tax planning, or wealth strategy — this episode is your no-fluff guide to making an informed decision. 

Mentioned in This Episode: 

We’ll help you understand how Life Insurance fits into the bigger picture — especially when it comes to your retirement, and your actual life. 

👉 Book Your Clarity Session Call 

🔗 Stay Connected 

📱 Instagram: @thefitfinancial_ | @fitwealthadvisors 

 🌐 Website: fitwealthadvisors.com 

🎙 Episode Title: 

Should You Take Social Security at 62? Why Waiting Isn’t Always the Best Strategy 

Episode Summary: 

The advice to "wait as long as possible" to collect Social Security might look good on paper — but for many business owners and pre-retirees, that strategy can backfire. 

In this episode of The Fit Financial Podcast, Amanda and Shawn unpack why taking Social Security at age 62 might actually be the smarter move — depending on your health, your portfolio, your spouse’s age, and your real-life financial needs. 

Whether you’re approaching retirement or already deep into planning mode, this episode will help you cut through the noise and build a strategy that supports your life — not just a spreadsheet. 

What You’ll Learn: 

Ready to Make the Smartest Move for Your Retirement? 

Don’t just pick a number — build a strategy. 

 If you’re within 5–10 years of retirement and want to make the most informed, intentional decision about Social Security (and beyond), book your Retirement Strategy Deep Dive with our team. 

We’ll help you understand how Social Security fits into the bigger picture — taxes, investments, income planning, and your actual life. 

👉 Book Your Retirement Strategy Deep Dive 

🔗 Stay Connected 

📱 Instagram: @thefitfinancial_ | @fitwealthadvisors 

 🌐 Website: fitwealthadvisors.com 

Episode Notes: 

Artificial intelligence (AI) is changing how we work, live, and do business — but what does that mean for your income, your business, and your long-term financial security? 

In this episode of The Fit Financial Podcast, Amanda and Shawn Hanquist break down how AI may impact your career, your wealth, and your ability to stay ahead financially — especially if you're a business owner, high-income professional, or someone building long-term financial freedom. 

We’re sharing the real, no-fluff perspective on whether AI is coming for your job — or if it's actually the tool that could help you scale your business, create more time, and improve your bottom line. 

Here’s What You’ll Learn 

✔️ How AI is reshaping industries — and what that means for business owners and professionals 

 ✔️ Whether AI will take over jobs — or create new opportunities to grow your income 

 ✔️ Financial planning strategies to stay prepared in an AI-driven economy 

 ✔️ How to use AI to improve time management, efficiency, and business profitability 

 ✔️ The risks of AI (job disruption, cybersecurity, income volatility) — and how to protect yourself 

 ✔️ Why adaptability and diversification are key to protecting your financial future 

📈 Why This Matters for You 

If you're growing a business, building wealth, or creating financial freedom, AI is no longer optional to understand. The right approach to technology can help you protect your income, scale your success, and secure long-term wealth — but ignoring it could leave you behind. 

How to Work with Fit Wealth Advisors 

We help business owners, high-income individuals, and families simplify their finances, reduce taxes, and build wealth that fits their life — with modern, adaptable strategies for an evolving economy. 

Whether you're in Nebraska or connecting virtually, our team is here to help you build wealth that lasts. 

➡️ Learn more at fitwealthadvisors.com 

➡️ Follow us on Instagram: @thefitfinancial_ | @fitwealthadvisors 

🎧 Love This Episode? 

✔️ Subscribe to The Fit Financial Podcast 

✔️ Leave a review — it helps more business owners and high-achievers take control of their wealth and money story 

Stay financially fit — and we’ll see you next time! 

The Fit Wealth Show is brought to you by Plan Group Financial, Inc. (PGF) d/b/a Fit Wealth Advisors. PGF d/b/a Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results. 

Episode Title: 

Does Homeowners Insurance Cover Flooding? What You Need to Know Before the Next Storm 

Episode Description (Show Notes): 

With flooding on the rise across the U.S. — and many homeowners learning too late that they’re not actually covered — this episode of The Fit Financial Podcast couldn’t be more timely. 

Shawn and Amanda Hanquist break down what your homeowners insurance really covers, how flood insurance works, and why most people are dangerously underprepared for a natural disaster — financially and emotionally. 

Whether you're a homeowner, business owner, or someone who just wants to get ahead of the next storm, this episode walks you through how to potentially protect your wealth, your home, and your peace of mind. 

In This Episode, You’ll Learn: 

Want to Make Sure You're Covered Before the Next Storm? 

Your financial plan should work in every season — including the hard ones. 

 If you’re unsure about your current insurance, emergency strategy, or how to guard your wealth from the unexpected, let’s fix that. 

👉 Book your Risk Readiness Call with our team at fitwealthadvisors.com 

We’ll help you uncover the gaps you didn’t know you had — and build a strategy that holds up, even when life doesn’t go as planned. 

🔗 Helpful Links: 

Follow us on Instagram: 

 @thefitfinancial_ | @fitwealthadvisors 

Subscribe to The Fit Financial Podcast on Apple or Spotify. 

The Fit Wealth Show is brought to you by Plan Group Financial, Inc. (PGF) d/b/a Fit Wealth Advisors. PGF d/b/a Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results. 

Episode Overview 

The latest tax bill making its way through Congress is creating a lot of uncertainty for business owners, high-income professionals, and families trying to plan their financial future. 

In this episode of The Fit Financial Podcast, Amanda and Shawn break down what’s happening with the proposed tax legislation — including the One Big Beautiful Bill (OBBB) — and what you need to know to protect your wealth, reduce taxes, and avoid making reactive decisions. 

Here’s What You’ll Learn 

✔️ What the "One Big Beautiful Bill" means for business owners and taxpayers 

 ✔️ The biggest areas of uncertainty — including the SALT deduction cap and Qualified Business Income (QBI) changes 

 ✔️ How the House and Senate versions differ (and why it matters for your tax strategy) 

 ✔️ Key tax provisions like bonus depreciation, child tax credits, and pass-through business incentives 

 ✔️ Who benefits most from the proposed changes—and who could lose out 

 ✔️ Smart steps to take right now to stay prepared and protect your financial plan 

Why This Matters for You 

If you're a business owner, high-net-worth individual, or planning your long-term wealth strategy, the decisions made in Washington this summer could directly impact your taxes, investment strategy, and overall financial confidence. 

We cover real, actionable steps to help you stay ahead — even as the details remain in flux. 

Resources & References 

How to Work with Fit Wealth Advisors 

At Fit Wealth Advisors, we help business owners, professionals, and families turn income into lasting wealth — through tax-efficient financial planning, investment management, and personalized wealth strategies. 

Serving Nebraska and beyond — in person or virtually. 

➡️ Learn more at fitwealthadvisors.com 

➡️ Follow us on Instagram: @thefitfinancial_ | @fitwealthadvisors 

🎧 Subscribe to the Podcast 

Love what you’re hearing? 

 ✔️ Subscribe to The Fit Financial Podcast 

 ✔️ Leave a review — it helps more high-achievers like you take control of their money story and wealth strategy 

Stay financially fit, and we’ll see you next time! 

The Fit Wealth Show is brought to you by Plan Group Financial, Inc. (PGF) d/b/a Fit Wealth Advisors. PGF d/b/a Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results 

👋 Welcome 

Welcome to The Fit Financial Podcast. I’m Amanda Hanquist, and together with my husband Shawn, we help high-income earners and entrepreneurs grow and protect their wealth—while building a life they can actually live with. 

In today’s episode, we’re exploring a moment we see often: your career is thriving, your assets are growing… but something feels off. You’re starting to ask, What is all of this for? That question isn’t a red flag—it’s an invitation to step into a more intentional version of wealth 

What You’ll Learn in This Episode: 

This episode is for you if: 

Episode Breakdown 

Segment 1: The Shift Most High Earners Don’t See Coming 

Segment 2: Where Wealth Meets Lifestyle Design 

Segment 3: Foundations for Your Next Chapter 

3 Questions to Reflect On 

Subscribe & Share 

If this episode resonated with you, make sure to hit subscribe and leave a review. Better yet—share it with a friend, colleague, or spouse who might also be wondering, What’s next? 

We’ll catch you next week on The Fit Financial Podcast. 

The Fit Wealth Show is brought to you by Fit wealth advisors. Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results. 

Your Roth Strategy Might Be Too Small 

Think Roth IRAs don’t apply to you because you’re a high earner? Think again. 

In this episode, Amanda breaks down why your Roth strategy — not just your contribution — might be the most underutilized piece of your long-term wealth plan. From Roth conversions to backdoor Roths to stacking tax-free income for the future, this episode gives you the insight you didn’t know you needed. 

If you're focused on building long-term wealth while keeping more of what you earn, this is a must-listen. 

💡 What You’ll Learn: 

🔗 Links & Resources: 

⭐️ Loved this episode? 

Be sure to follow, leave a review, and share it with a friend who needs a smarter Roth strategy. New episodes drop every Tuesday! 

The Fit Wealth Show is brought to you by Plan Group Financial, Inc. (PGF) d/b/a Fit Wealth Advisors. PGF d/b/a Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results.