You’ve probably heard a lot about tax reforms recently. How will these changes impact your portfolio? What can you do to protect yourself? 

Read more and get additional financial resources here: https://www.baschrock-fg.com/podcast/

What we discuss on this episode: 

0:15 – Tax reform and capital gains

0:55 – What is subject to capital gains?

2:48 – Brokerage accounts and marketable securities

4:55 – Long term capital gains

8:05 – What are some strategies?

11:14 – Mutual funds and tax loss harvesting

14:33 – Capital gain taxes are likely to change

Ben Schrock and Keith Lockwood from B.A. Schrock Financial Group talk about how life insurance can be a tax-free income source in retirement when properly structured. 

In this episode, Ben and Keith discuss: 

• Why you might want to use life insurance rather than a ROTH IRA as a potential tax-free income source in retirement.   

Ben Schrock and Keith Lockwood from B.A. Schrock Financial Group talk about what is and how to use an irrevocable life insurance trust also known as an ILIT. 

In this episode, Ben and Keith discuss: 

• In what situations an ILIT might make sense. 

Ben Schrock and Keith Lockwood from B.A. Schrock Financial Group talk about how you might use life insurance beyond ensuring that funeral costs are covered.

Life Insurance is an easy topic to put off talking about but it is one of the most powerful tools when it comes to retirement planning.  

In this episode, Ben and Keith discuss: 

• Why you might want to use Life Insurance for tax mitigation on your estate.

Ben Schrock and Keith Lockwood from B.A. Schrock Financial Group talk about one of the most misunderstood asset classes… life insurance 

In this episode, Ben and Keith discuss: 

• The LIFT Strategy at B.A. Schrock.

In the third and final segment of the life changes series we are going to talk about the last step on any career journey, retirement. In the first two segments, we talked about what to consider when starting out your career and what you should be thinking about during a career change, but now we are going to dive into what you should be thinking about as you near retirement. 

In this episode of Unlocking Your Financial Future podcast, Ben Schrock and Colleen LeMasters from B.A. Schrock Financial Group goes over what they think are some of the most important topics to keep top of mind as you get ready to retire and then they walk you through how they helped a client through a retirement that had a lot of financial curveballs.

At some point down your career path, you might make the decision to change jobs in pursuit of a more lucrative position, to get away from a bad work environment, to move to a new location, or to just get a change of pace. With all of the chaos that comes with a career change, it can be easy to overlook some of the important financial factors that could be considered at that time.  

In this episode of Unlocking Your Financial Future podcast, Ben Schrock and Colleen LeMasters from B.A. Schrock Financial Group talk about what some of those financial considerations are and walk you through how they helped a client navigate this very situation.

In this episode of Unlocking Your Financial Future podcast, Ben Schrock and Colleen LeMasters from B.A. Schrock Financial Group talk about the important factors you should be aware of when you start your career. They run us through an example of how they helped a client optimize their employee benefits, reduce their tax liability and unlock their financial future.

Ben Schrock and Dan Oaklief from B.A. Schrock Financial Group talk about incorporating 403(b)s into your retirement plans in episode 69 of The Unlocking Your Financial Future Podcast. 

In this episode, Ben and Dan discuss: 

• Why most teachers don’t know that they have the option of a 403(b).

Ben Schrock and Dan Oaklief from B.A. Schrock Financial Group talk about 403(b)s in episode 68 of The Unlocking Your Financial Future Podcast. 

In this episode, Ben and Dan discuss: 

• How Dan walked a client through the changes in the pension system and made it possible for her to be able to retire on time.