Retirees need to keep both Tax Consequences AND Investment Preparation Strategies in mind when planning for a big purchase.

There are tax-efficient and investment-efficient ways to make these purchases along with other implications like your future Medicare premiums to keep in mind. ⏰ TIME CODES ⏰0:00 Question from Joe0:25 What is a "Big" Purchase?1:55 Tax vs Investments3:48 Tax Strategy #1 9:31 Tax Strategy #2 11:04 IRA vs 401k Differences17:14 Tax Strategy #3 23:11 Tax Strategy #4 29:45 Tax Strategy #5 43:00 Tax Strategy #6 49:01 Medicare Implications51:50 Moving To Investment Prep53:55 Investment Prep #1 59:48 Investment Prep #2 1:03:50 Investment Prep #3 1:08:52 Important Other Resources1:12:15 Where to Get HelpOTHER VIDEOS REFERENCED IN THIS ONE:https://youtu.be/tlYcUx2a2G4https://youtu.be/NxH2jHzZwFohttps://youtu.be/Q82iDCI_lZghttps://youtu.be/RODrPaJ-xNUhttps://youtu.be/VHHNYdpVwrUhttps://youtu.be/flCDgSy25e0https://youtu.be/8uC1lgkZUWEZACC'S FINANCIAL CHANNEL:https://www.youtube.com/@ZaccMoneyEducationCheck out our resources at https://TheRetirementNerds.com/Reach Zacc and his team at: https://capitafinancialnetwork.com/=============================Send me a [email protected]==========================================================Be Sure to Subscribe to our Channel!=============================YouTube: @theretirementnerds ============================================================Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/=========================================================================================#retiree #theretirementnerds #money #retirementnerds #financeDisclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

In this interview, I talk with the Director of the Idaho Department of Insurance - Dean Cameron - who is standing up to major Medicare Advantage insurance companies. These companies are eliminating commissions for Medicare agents and brokers, making it harder than ever for beneficiaries to get qualified, personalized help during the Annual Enrollment Period.

Watch this video for more background on the problem:

https://youtu.be/FpfTE-hsJag

We cover:

• What insurance companies are doing to steer seniors

• How this impacts retirees trying to choose a plan

• What states like Idaho and others are doing to fight back

• The growing concern about access and transparency in Medicare

If you're on Medicare or helping a loved one with coverage, this will help you stay informed and prepared. You deserve clear, unbiased guidance—not confusion and corporate greed.

✅ Subscribe for more Medicare updates, retirement insights, and real talk from the experts who care.

Check out our resources at https://TheRetirementNerds.com/

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⏰ TIME CODES ⏰

0:00 Dean Cameron

0:38 Steering Issues In Medicare

5:28 How Companies Bid Plans

6:55 Unfair Practices

9:40 Why it Matters for Seniors

14:45 What States Are Getting Involved

20:16 CMS' Intervention Wish List

22:36 Carriers Strong-Arming Agents

25:05 Does it Get Worse Next Year?

27:19 Director Cameron's Ideal Outcome

31:08 How You Can Help

35:29 Director Cameron's Perspective

=============================

#medicare #theretirementnerds #cms #retirementnerds

Federal Disclaimer:

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

In this episode of The Retirement Nerds, Erik Soderborg and Zacc Call walk you through Zacc’s brand new Net Worth Calculator tool — a simple but powerful way to understand where you stand financially.

DOWNLOAD THE WORKSHEET FOR FREE HERE:

https://theretirementnerds.com/networthcalculator/

OTHER FREE DOWNLOADS:

https://theretirementnerds.com/free-downloads/

ZACC'S CHANNEL:

https://www.youtube.com/@ZaccMoneyEducation

RELATED VIDEOS:

https://youtu.be/NxH2jHzZwFo

https://youtu.be/voWbWZ9tu04

https://youtu.be/8uC1lgkZUWE

In this video we go over:

How to calculate your net worth using assets and liabilities

Why tracking net worth is critical for financial planning

How to use this calculator to monitor progress and spot red flags

Real-world examples of how to input your information

Tips for improving your net worth over time

Whether you're just starting your financial journey or preparing for retirement, this video will give you a clear, data-driven way to measure your financial health.

📌 Download the calculator, follow along, and take control of your money!

Check out our resources at https://TheRetirementNerds.com/

=============================

Send me a message!

[email protected]

Be Sure to Subscribe to our Channel!

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YouTube: @theretirementnerds

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

============================================================

⏰ TIME CODES ⏰

0:00 Intro to the Calculator

2:54 Net Worth Statement

6:00 Saving as PDF

7:30 Step 1: The Setup

14:30 Step 2: Data Entry

31:50 Tony and Pepper Stark Examples

40:55 Step 3: Net Worth Statement Functionality

43:16 Reason #1 to Know Net Worth

45:17 Reason #2 to Know Net Worth

46:29 Reason #3 to Know Net Worth

46:56 Reason #4 to Know Net Worth

47:51 Reason #5 to Know Net Worth

48:35 Step 4: Net Worth Charts

56:58 Where to Get Help

=============================

#networth #theretirementnerds #zacccall #retirementnerds #finance

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Thinking of contributing to a Roth IRA or doing a Roth conversion? Before you do, make sure you’re not falling into one of the 16 most common mistakes people make.

In this episode of The Retirement Nerds, Erik Soderborg sits down with Zacc Call to break down critical errors that could cost you more in taxes, hurt your retirement income strategy, or derail your financial plan altogether.

📌 In this video:

When Roth conversions hurt more than they help

The tax trap of “bracket creep”

Why Roth isn’t always right for high earners

Mistakes with timing, Medicare premiums (IRMAA), and Social Security

Roth rules most investors overlook

Contribution vs conversion confusion explained

Smart strategies to get Roth right

If you're serious about tax-efficient retirement planning, this is must-watch content.

Here is where you can download the Social Security Taxability Worksheet for free:https://theretirementnerds.com/social-security-worksheet/

Zacc's Channel:

https://www.youtube.com/@ZaccMoneyEducation

OTHER RELATED VIDEOS:

https://youtu.be/HNQbgUTqzRs

https://youtu.be/QXC0j1O-eAg

https://youtu.be/-ifv6Y6migk

https://youtu.be/ZetbFdEqi2A

https://youtu.be/Q82iDCI_lZg

https://youtu.be/VHHNYdpVwrU

https://youtu.be/NxH2jHzZwFo

Check out our resources at https://TheRetirementNerds.com/

=============================

Send me a message!

[email protected]

=============================

Be Sure to Subscribe to our Channel!

YouTube: @theretirementnerds

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

==================================

⏰ TIME CODES ⏰

0:00 Intro Teaser

0:25 Data over Dogma

3:26 Mistake #1

5:48 Mistake #2

10:52 Mistake #3

15:47 Mistake #4

19:35 Mistake #5

21:21 Mistake #6

21:43 Mistake #7

24:52 Mistake #8

27:05 Mistake #9

29:32 Mistake #10

34:30 Mistake #11

43:21 Mistake #12

44:57 Mistake #13

48:10 Mistake #14

48:57 Mistake #15

53:33 Mistake #16

59:33 Where to Get Help

1:00:30 3 People Who Benefit

=============================

#roth #rothvstraditional #theretirementnerds #socialsecurity #retirementnerds #finance #zacccall #eriksoderborg

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

In this interview, Erik Soderborg sits down with estate planning expert Jim Burch to answer one of the most common (and important) legal questions:

When should you update your will or trust?

Whether you already have an estate plan in place or you're wondering if it's time to revisit it, Jim outlines the key life events, financial changes, and family situations that should trigger a review or amendment of your trust or will.

Here is the Estate Planning 101 Video for more background:

https://youtu.be/nkFQmsdCW-I

=============================

Send me a [email protected]

=============================

OTHER ESTATE PLANNING VIDEOS:

https://youtu.be/vLC0I19mWNU

https://youtu.be/jaKuNJsLSX4

https://youtu.be/cx8ySoE54Es

📌 Topics covered in this video:

How often should you update your estate plan?

What events require a trust or will amendment?

Do you need to update your trust after buying a home or having a child?

Common mistakes people make by waiting too long

The difference between amending and restating a trust

If you want to keep your estate plan current and legally effective, this video is essential viewing.

👍 Don’t forget to like, comment, and subscribe for more expert insights on estate planning, trusts, wills, and financial protection.

Check out our resources at https://TheRetirementNerds.com/

=============================

Be Sure to Subscribe to our Channel!

=============================

YouTube: @theretirementnerds

============================================================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

============================================================

⏰ TIME CODES ⏰

0:00 Intro

1:12 Changing a Trust

1:44 Restated Amendment

2:26 Ensuring it is Funded

3:18 What Changes Over Time

4:15 State-Specific Considerations

6:35 What Triggers Needing an Amendment

10:07 Process to do an Amendment

11:31 Costs to do this

12:55 Simple Amendment

13:29 Things that DON'T need an Amendment

16:28 Changing Trustee Implications

18:19 Where to Get Help

=============================

#estateplanning #willsandtrusts #theretirementnerds #retirementnerds

Legal Disclaimer:This is not legal advice. Consult with an estate planning professional before making changes or decisions around your will, trust, or other estate planning documents.

In this video, Erik Soderborg and Zacc Call walk you step by step through how to determine exactly how much of your Social Security income will be taxable.

Be sure to download the Free Social Security Taxability Worksheet to follow along with us.

Get it here: https://theretirementnerds.com/social-security-worksheet/

OTHER RELATED VIDEOS:

https://youtu.be/HNQbgUTqzRshttps://youtu.be/QXC0j1O-eAg

https://youtu.be/-ifv6Y6migk

https://youtu.be/ZetbFdEqi2A

https://youtu.be/Q82iDCI_lZg

https://youtu.be/VHHNYdpVwrU

ZACC'S CHANNEL: https://www.youtube.com/@ZaccMoneyEducation

Many retirees don’t realize that between 0% and 85% of their benefits can be taxed depending on their income level. Zacc shows you how to run the calculation yourself so you’ll know what to expect.

📌 What you’ll learn in this video:

The formula used to calculate taxable Social Security income

What counts as “provisional income”

Examples that show when 0%, 50%, or up to 85% of benefits are taxed

How other income sources affect your Social Security tax bill

If you’re retired or planning for retirement, this walkthrough will help you avoid surprises at tax time and make better financial decisions.

Check out our resources at https://TheRetirementNerds.com/

Send me a message!

[email protected]

Be Sure to Subscribe to our Channel!

YouTube: @theretirementnerds

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

⏰ TIME CODES ⏰

0:00 Intro

0:24 Purpose of Spreadsheet

1:02 Which Boxes to Fill Out

3:45 How Much SS is Taxable

5:16 Deductions

7:10 Far Right Grid Explanation

8:57 Itemized Deductions

9:44 Tax Tornado Table

13:37 Roth Conversion Opportunities

15:50 Middle Chart Explanations

18:06 Filing Status Matters

19:49 What this Does NOT Do

20:50 Where to Get Help

#socialsecurity #theretirementnerds #socialsecuritytax #retirementnerds #finance #zacccall

Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Zacc Call is back to go over why someone would choose Roth vs Traditional accounts. In this video, he goes over the 8 Reasons Why Someone Should Consider Roth Contributions or Conversions. This is building off the foundational math that if your tax rate stays the same, and your investments grow at the same rate, for the same time, you will have the same spendable amount regardless of whether you go Roth or Traditional. Zacc goes over other factors that may influence that decision of Roth vs Traditional in more depth, building off of the foundational math.

Part 1 of this Series: https://youtu.be/RODrPaJ-xNU

Original Deep Dive Video with over 1.6M Views: https://youtu.be/VHHNYdpVwrU

How Social Security is Taxed: https://youtu.be/-ifv6Y6migk

Zacc's Channel: https://www.youtube.com/@ZaccMoneyEducation

Check out our resources at https://TheRetirementNerds.com/

Send me a message!

[email protected]

Be Sure to Subscribe to our Channel!

YouTube: @theretirementnerds

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

⏰ TIME CODES ⏰

0:00 Intro

2:25 1. RMD Management

4:04 2. Inheritance Implications

6:28 3. Government Raising Tax Rates

8:17 4. IRMAA Penalties

11:46 5. Phase Outs & AGI Limits

13:58 6. Social Security Taxation

18:13 7. Marginal Tax Bracket Management

20:38 8. Straddling Marginal Lines

23:14 Motivations for Advisors

25:30 Careful of Marketing Messages

27:53 Where to get help

#medicare #theretirementnerds #roth #rothvstraditional #retirementnerds #finance

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Should you choose a Roth or Traditional account?

Zacc Call discusses the math that most people get wrong when analyzing whether or not a Roth (or Roth Conversion) or a Traditional account puts them in the best tax position in retirement.

If you’ve ever wondered which account type will leave you with more money in retirement, this interview breaks it down with clarity, examples, and powerful insights.

RELATED VIDEOS:

https://youtu.be/VHHNYdpVwrU

ZACC'S CHANNEL:

https://www.youtube.com/ ⁨@ZaccMoneyEducation⁩ 

✅ Topics covered:

• The math mistake almost everyone makes

• Roth vs Traditional: what's the real difference?

• How taxes today vs taxes in retirement impact your decision

• A framework to help you decide the right strategy for you

Check out our resources at https://TheRetirementNerds.com/

=============================

Send me a [email protected]

=============================

Be Sure to Subscribe to our Channel!

YouTube: @theretirementnerds =============================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

=============================

⏰ TIME CODES ⏰

0:00 Intro

0:54 The Math Myths

2:23 The Math

7:06 What Can Change?

7:45 Where You Pay Taxes

9:02 Contribution Behavior

11:18 4 Basic Reasons

11:40 Tax Rate Will Rise

15:50 Tax Rate Will Decrease

17:27 Max Funding Accounts

19:50 Marginal Tax Bracket Management

22:46 Don't Feel Guilty

23:59 Required Minimum Distributions

23:44 Zacc's Channel

=============================

#investing #theretirementnerds #roth #rothvstraditional #retirementnerds #finance

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

In this interview Jim Burch with EasyLegalPlanning.com outlines one of the most critical (and overlooked) parts of estate planning — funding your trust.

Your Trust is worthless if you have not properly funded the trust.

Jim walks through the 7 key types of assets that should go into your trust and explains exactly how to fund each one, including:

1. Real Estate

2. Bank Accounts

3. Brokerage Accounts

4. Life Insurance

5. Retirement Accounts

6. Personal Property

7. Business Assets

📌 If you’ve created a living trust (or are thinking about it), but haven’t funded it properly — this video is a must-watch.

Discover how to avoid probate, protect your legacy, and make sure your trust actually works when it’s needed most.

ESTATE PLANNING 101 VIDEO

https://youtu.be/nkFQmsdCW-I

WANT TO SET UP YOUR OWN TRUST?

Jim and his team can complete your estate plan in all 50 states.

https://easylegalplanning.com/

Or, reach out to me to connect you to Jim.

[email protected]

MORE RETIREMENT RESOURCES:

https://TheRetirementNerds.com/

JOIN THE MONTHLY NEWSLETTER

https://theretirementnerds.com/newsletter/

⏰ TIME CODES ⏰

0:00 Introduction

1:19 What Funding Means

1:45 7 Types of Assets

3:21 Real Estate

7:35 Bank Accounts

12:51 Brokerage Accounts

15:55 Life Insurance

18:45 Retirement Accounts

21:52 Personal Property

25:10 Pour-Over-Will Clarification

27:41 Business Assets

29:40 Final Summary

32:37 Where to Get Help

33:28 Make it Easy

=============================

#estateplanning #theretirementnerds #willandtrust #retirementnerds

Download the free Social Security Taxability Worksheet Here:

https://theretirementnerds.com/social-security-worksheet/

Zacc's YouTube Channel:

https://www.youtube.com/@ZaccMoneyEducation?sub_confirmation=1

Related Videos:

https://youtu.be/kFgagJM6rLE

https://youtu.be/ZetbFdEqi2A

https://youtu.be/HNQbgUTqzRs

Contact us if you need help with any of these topics:

https://theretirementnerds.com/contact-us/

Connect:

Website:

https://theretirementnerds.com/

TikTok:

https://www.tiktok.com/@retirementnerds

In this video, I sit down with tax expert Zacc Call to discuss the Big Beautiful Bill and its significant effects on Social Security taxability, Roth conversions, and the overall tax burden for seniors.

Zacc walks us through his Social Security Taxability worksheet, which can help seniors navigate the complexities of tax planning and ensure they’re optimizing their retirement strategy.

We break down the details, offering actionable insights to help you reduce tax liabilities and make smarter financial decisions as you approach retirement.

If you’re a senior, planning for retirement, or simply looking to learn more about tax strategies for Social Security, this video is a must-watch.

If you liked the video, please give it a "Thumbs up!" and subscribe to see more!

⏰ TIME CODES ⏰

0:00 Intro to the Worksheet

1:31 Setting Up Income

4:06 Charitable Distributions Clarification

6:30 Social Security Taxability Calculation

7:49 Senior Bonus Deduction Discussion

15:24 Tax Torpedo

16:50 Roth Conversion Tax Torpedo

19:03 Phase Out of Senior Deduction

22:29 Changing Filing Status

22:58 Middle Tables

28:40 Do the New Deductions Change Roth Strategy?

29:29 4-Year Window

32:02 Impact on Higher Incomes

34:18 Focuses for High vs Low Income

34:59 Should You Even File?

38:12 SALT Deduction

39:57 Important Resources

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.