Utah continues to be one of the nation's strongest‐performing economies, but challenges such as inflation, housing affordability, interest rates, and rapid technological change are creating an increasingly complex environment.

In this episode, we sit down with economist Robert Spendlove for an insightful conversation about the trends shaping Utah's economy today. From consumer spending and employment growth to housing costs, energy prices, and the impact of artificial intelligence, Robert provides valuable perspective on both the opportunities and challenges ahead.

In this episode, Patrick Jenkins and John Mickelson share the story behind their transition to Wealth Enhancement Group. They discuss how the move provides access to enhanced planning tools, deeper expertise, and a more integrated approach to financial planning, while preserving the personal service and client-focused relationships that have always been at the heart of their practice.

What happens to your money, property, and loved ones when you're gone? Patrick Jenkins and John Mickelson explain the basics of estate planning, including wills, trusts, powers of attorney, and beneficiary designations. Learn how proper planning can help your family avoid probate, reduce stress, and carry out your wishes with confidence.

What can your tax return teach you? Patrick Jenkins, John Mickelson, and Kirk Ek of CMP Accounting discuss tax planning, Roth conversions, capital gains, deductions, and why meeting with your CPA before year end can make a significant difference in your financial plan.

With markets reaching new highs, many investors are wondering if a correction is around the corner. Patrick Jenkins and John Mickelson discuss what history can teach us about market cycles, why staying invested often beats trying to time the market, and how to build a portfolio that can weather uncertainty. Whether you're feeling confident or nervous about the market, this episode shares practical strategies to help you stay on track.

What makes a business successful? Patrick Jenkins and John Mickelson sit down with Craig Maughan, Vice President at Cache Valley Bank, to talk about the habits of successful business owners, common mistakes to avoid, what banks look for in a business, and how to create a company that can grow and thrive for years to come.

In this episode, we cover:

• Longevity risk is increasing. With people living longer than ever, retirement can last 30 years or more. A successful retirement plan focuses not only on investment performance but also on ensuring assets can support a longer lifespan.

• Inflation remains a significant challenge. Even moderate inflation can substantially reduce purchasing power over time, making it important to incorporate growth strategies that help retirement savings keep pace with rising costs.

• Healthcare expenses can impact retirement savings. From insurance premiums and Medicare supplements to long-term care needs, healthcare costs are often one of the largest and most underestimated retirement expenses.

• Social Security remains a key consideration. While the future of Social Security continues to be debated, retirees should understand how potential changes could affect their long-term income strategy.

• A coordinated financial plan makes a difference. Aligning your investment, income, tax, and estate plans can help address uncertainties and provide a framework for adapting to life's changes.

The key takeaway: Retirement success is about more than investment returns. A comprehensive financial plan can help you navigate longevity, inflation, healthcare, and other challenges while staying on track toward your goals.