Wealth Wisdom: Building Wealth, Building Legacy

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Two weeks into Operation Epic Fury, the world is watching the biggest energy supply shock in modern history unfold in real time. The Strait of Hormuz — through which 20% of the world's oil flows every day — is effectively closed. Oil has surged more than 40% from pre-war levels. And the Fed is stuck.

In this episode, we sit down with Professor David Gulley, Chair of the Economics Department at Bentley University, to make sense of what this moment actually means for your portfolio — and your financial plan.

What we cover:

If you've got a knot in your stomach watching the headlines, this episode is for you.

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TIMESTAMPS:

03:55 Oil Shock and Reserves

06:01 US Energy Independence

09:44 Market Reactions and Risk

12:23 Safe Haven Asset Signals

16:06 CPI and Fed Dilemma

21:06 Stagflation and Oil Scenarios

23:16 Fed Projections and Rates

24:50 Mortgage Rates Outlook

25:18 Treasury Yields Drive Mortgages

27:23 Fed Control Over Long Rates

28:38 Can America Tame Debt

32:00 Growing Out With AI

34:49 AI And Entry Level Jobs

38:05 Universities Adapting To AI

39:37 Career Scarring For Grads

42:08 Wealth Gap And K Economy

43:48 Final Advice Stay The Course

Whenever you're ready take our free financial health assessment: https://www.foxhillwealth.com/financial-health-quiz

DISCLAIMER: This content is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past market performance is not a guarantee of future results. Always consult with a financial professional before making investment decisions.

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Most people look at their job and just see a paycheck. But in this episode, we’re peeling back the curtain on the wealth-generating strategies hidden right inside your benefits package.

Joining us is Ryan McDermott from Prism Benefits. Ryan is on a mission to stop the "GoFundMe" cycle of financial planning. When you realize that 60% of hard-working people can't swing a $1,000 emergency without a credit card, it’s clear something is broken. We’re breaking down how you can use "lawfully designed" benefits to bridge that gap and build real security.

What we’re talking about today:

We’re also checking the pulse of the market: from the Supreme Court’s tariff shocker to why IBM just got hit by the "AI disruption" train "AI isn't coming for your job, but the person using AI might be."

If you’re ready to see where you stand on your own financial journey, head over to https://www.foxhillwealth.com/financial-health-quiz and take our financial health assessment today.

For educational purposes only. This podcast is not financial, tax, or investment advice. For personalized guidance, please contact us directly.

01:10 Financial Insecurity Stats

03:11 Supreme Court Tariffs

06:30 Nvidia Earnings Reaction

08:59 AI Disruption Fears

11:44 Adopting AI at Work

15:57 Main Topic Setup

16:34 Health Insurance Cost Spiral

16:59 Runaway Benefit Costs

17:25 Redirecting Savings

18:13 Benefits Plan Checkup

19:34 Disability Tax Trap

20:24 Employer Paid Disability Fix

22:19 HSA Basics Explained

23:16 HSA Plan Rules

25:17 Maxing and Investing HSAs

26:58 Voluntary Benefits That Matter

30:52 Coverage Caps for High Earners

32:31 Education and Wrap Up

Whenever you're ready take our free financial health assessment: https://www.foxhillwealth.com/financial-health-quiz

DISCLAIMER: This content is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past market performance is not a guarantee of future results. Always consult with a financial professional before making investment decisions.

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Lately, there has been a lot of "noise" out there from the so-called "SaaS apocalypse" to massive corporate spending on AI. We help you cut through that noise to focus on the signals that actually matter for your long-term portfolio.

In this episode, we discuss:

We also touch on the latest surrounding Elon Musk’s SpaceX IPO and why he’s pivoting Tesla factories toward a robotic future.

If you’re ready to see where you stand on your own financial journey, head over to https://www.foxhillwealth.com/financial-health-quiz and take our financial health assessment today.

For educational purposes only. This podcast is not financial, tax, or investment advice. For personalized guidance, please contact us directly.

TIMESTAMPS:

03:56 Investment Strategies Amidst Market Changes

06:24 AI's Impact on Software Companies

17:13 Quick Market Updates and Fed Decisions

19:38 Elon Musk's Latest Ventures

23:11 The Future of Robotics and Integration

23:59 Understanding Roth IRAs

25:24 Roth Conversion Strategies

27:49 Timing and Nuances of Roth Conversions

28:55 Retirement Planning and Roth Conversions

32:27 Early Roth Conversions and Their Benefits

34:08 Accessing Roth Funds Penalty-Free

37:19 Retirement Timing and Lifestyle Adjustments

42:56 The Concept of Retirement and Final Thoughts

Whenever you're ready take our free financial health assessment: https://www.foxhillwealth.com/financial-health-quiz

DISCLAIMER: This content is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past market performance is not a guarantee of future results. Always consult with a financial professional before making investment decisions.

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This week we’re breaking down what’s actually going on with the latest tax changes, estate planning rules, all the noise around the markets and more importantly, how it impacts your money.

We’re joined by Kirk Holmquest from Holmquest Tax and Trust, along with Eric and Bill, to talk through what’s changed, what hasn’t, and where people tend to get caught off guard. Instead of getting buried in tax code or headlines, we focus on real-life scenarios and the decisions families, retirees, and business owners are facing right now.

We cover why a lot of people may see tax refunds this year, how deductions like SALT are opening back up for many households, and what’s changed for seniors and families with kids. 

Kirk walks us through why estate planning matters even if you’re nowhere near the federal estate tax limits, how state-level taxes can quietly create problems, and why trusts, portability, and proper account titling make a real difference for your heirs. We also talk about the importance of having your CPA, financial advisor, and estate attorney all on the same page, because when they’re not, things fall through the cracks.

In this episode, we cover:

Big thanks to Kirk for joining us and helping make a complicated topic a lot easier to understand.

For educational purposes only. This podcast is not financial, tax, or investment advice. For personalized guidance, please contact us directly.

TIMESTAMPS:

00:53 Guest Introduction: Kirk the Attorney

02:00 Market Recap: Davos and Geopolitical Tensions

07:18 Economic Insights: GDP Growth and Market Volatility

09:19 Tax Talk: Refunds and Deductions

18:35 Filing Status and Head of Household Explained

19:34 Senior Bonus Deduction Highlights

21:51 Child Tax Credits and Dependent Care

23:33 Estate Tax Planning and Strategies

35:31 Car Loan Interest Deduction

37:34 Actionable Tax Tips and Final Thoughts

Whenever you're ready, we can help you in one of two ways:

DISCLAIMER: This content is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past market performance is not a guarantee of future results. Always consult with a financial professional before making investment decisions.

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This week on Wealth Wisdom, we’re digging into something a lot of business owners have been wondering about but maybe haven’t had the time (or patience) to fully unpack yet: the tax law changes coming in 2026 and what they actually mean for you.

We’re joined by Gary J. Marini, Managing Director at Peck Associates, who’s spent decades working side by side with founders, entrepreneurs, and growing businesses. Instead of getting lost in technical jargon, we focus on what’s really changing, what’s not, and where small business owners should actually be paying attention as these new rules start to take shape.

We talk through the big updates  like changes to the SALT deduction, what’s happening with the QBI deduction, and why the return of R&D expensing is such a meaningful shift for startups and innovation-driven companies. We also walk through how different business structures, S Corps, C Corps, and LLCs, are impacted, and why those differences matter if you’re thinking about growth, outside capital, or eventually selling your business.

From there, we zoom out and get practical. We cover how to think about estimated taxes and safe harbor rules, why having clean, up-to-date books makes planning so much easier, and how tools like HSAs, Solo 401(k)s, and Roth conversions fit into a longer-term strategy, not just this year’s tax return.

In this episode, we cover:

A big thank you to Gary Marini for joining us and bringing a clear, grounded perspective to a topic that can feel overwhelming. His insights help cut through the noise and give business owners a more confident way to think about planning for what’s next.

For educational purposes only. This podcast is not financial, tax, or investment advice. For personalized financial guidance, please contact us directly.

Timestamps:

02:45 Market Updates and Economic Insights

06:11 Small Business Tax Strategies

08:33 Qualified Small Business Stock Explained

11:19 Apple's AI Partnership and Market Impact

14:40 Recent Government Policies and Their Effects

18:13 Tax Law Changes and Their Implications

28:20 The Reality of Business Incentives

28:48 The Impact of AI on Employment

29:48 Qualified Business Income Deduction Explained

31:42 Tax Planning Strategies for Small Businesses

33:41 Choosing the Right Business Structure

45:08 Home Office and Vehicle Deductions

49:59 Retirement Planning for Business Owners

54:16 Final Thoughts and Advice for Small Business Owners

Whenever you're ready, we can help you in one of two ways:

DISCLAIMER: This content is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past market performance is not a guarantee of future results. Always consult with a financial professional before making investment decisions.

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We talk through some of the stories shaping the early part of the year—what’s happening with housing and affordability, why mortgage rates are moving, what the latest jobs data may actually be telling us, and how energy prices and geopolitics are quietly influencing everything from inflation to investment strategy. AI is also front and center again, from the massive energy demands behind it to the companies driving the next phase of growth, including names like Nvidia, Tesla, and Eli Lilly.

This episode is about grounding. New years tend to bring bold predictions, loud headlines, and a lot of strong opinions. We focus instead on how we’re thinking about 2026 in real time, what deserves attention versus what’s just noise, and why staying patient and disciplined often matters more than trying to react to every market move. We also share some early expectations for the year and what we’ll be keeping an eye on as things develop.

For educational purposes only. This podcast is not financial, tax, or investment advice. For personalized financial guidance, please contact us directly.

TIMESTAMPS:

03:18 Discussing the American Dream and Housing Market

11:54 Trump Administration's Economic Policies

14:26 Energy Market Insights and Predictions

21:09 AI and Its Impact on Society

22:16 AI Innovations and Future Prospects

22:57 Major Announcements from CES

23:14 Nvidia's New Developments

24:44 Tesla's Position in the Market

28:10 Eli Lilly's Market Moves

29:28 The Rise of GLP-1 Drugs

33:29 Health Trends and Alcohol Consumption

37:12 Predictions for 2026

Whenever you're ready, we can help you in one of two ways:

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DISCLAIMER: This content is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past market performance is not a guarantee of future results. Always consult with a financial professional before making investment decisions.

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We’re closing out the year with a 2025 market recap, because if you’ve been paying attention at all, you know this year didn’t exactly feel “quiet.”

We talk through the big moves and the big headlines, the inflation and rate talk, what the jobs numbers are really telling us, why oil prices mattered more than most people realized, and how AI keeps finding its way into basically every conversation about the economy. And yeah, we also hit some of the names that kept stealing the spotlight like Tesla, Amazon, and OpenAI, not just for the hype, but for what those stories might actually mean.

But the real reason we wanted to do this episode is simple. 2025 was one of those years that tests people. The market swings, the headlines get loud, and it’s really easy to start second guessing everything. So we get into the mindset piece, how we think about staying disciplined when it feels messy, why trying to jump in and out usually ends with regret, and how the moments that feel the worst in real time are often the ones you look back on as opportunities and we look ahead to 2026 and put some predictions on the record.

For educational purposes only. This podcast is not financial, tax, or investment advice. For personalized financial guidance, please contact us directly.

https://www.foxhillwealth.com/ 

Timestamps:

00:32 Welcome to Wealth Wisdom

01:34 SpaceX IPO Announcement

06:41 Jobs Report and Economic Insights

16:59 Amazon's Investment in OpenAI

21:16 Tesla's Driverless Robotaxis

22:34 2025 Year-End Wrap Up

26:29 Reflecting on Last Year's Predictions

27:04 Sector Performance and Investment Strategies

28:04 AI's Impact on Big Banks

30:00 Market Volatility and Investment Philosophy

35:30 Predictions for 2026

40:27 Geopolitical and Economic Outlook

51:24 Final Thoughts and Wrap-Up

Whenever you're ready, we can help you in one of two ways:

DISCLAIMER: This content is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past market performance is not a guarantee of future results. Always consult with a financial professional before making investment decisions.

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This week we take on a topic that affects nearly every couple at some point: money and marriage. It’s one of the most important — and often most difficult — conversations to navigate. Should couples keep finances completely separate, merge everything into joint accounts, or build a hybrid system that balances shared responsibility with personal autonomy?

We’re joined by Trisha Welsh, Certified Financial Planner at Fox Hill Wealth, who brings a practical, real-world perspective from working directly with couples on these decisions. Together, we walk through the most common financial setups couples use, why different models work for different relationships, and why trust and transparency matter far more than the specific account structure.

We also explore a dynamic that shows up in many households: while women often manage the day-to-day expenses, fewer are consistently involved in long-term planning and investing — even though women are statistically more likely to manage finances later in life. We talk through why that gap exists and what couples can do to make sure both partners stay informed and confident.

Along the way, we touch on current events shaping the financial landscape — including the Fed’s latest rate cut and other market headlines — before closing with clear, practical advice for couples who want to stay aligned and avoid financial surprises.

We get into:

A special thank you to Trisha for joining us and sharing her experience working with couples on some of the most important — and sensitive — financial decisions they’ll ever make. Her perspective added clarity, balance, and practical insight to a conversation that affects so many families.

05:23 Financial Insights: Fed Rate Cuts and Economic Impact

09:16 Corporate Moves: SpaceX IPO and Disney's AI Partnership

11:20 Main Topic: Merging Finances in Marriage

27:10 Client's Experience with Financial Advisors

27:32 Women and Financial Planning Statistics

28:22 Role of Women in Day-to-Day Finances

29:15 Communication Differences Between Genders

31:34 Involvement of Both Partners in Financial Planning

37:19 Different Financial Management Models

42:00 Financial Infidelity and Its Impact

44:24 Encouraging Women's Involvement in Long-Term Finances

Whenever you're ready, we can help you in one of two ways:

DISCLAIMER: This content is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past market performance is not a guarantee of future results. Always consult with a financial professional before making investment decisions.

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The market keeps hitting record highs — so should you actually be investing right now?

In this episode of Wealth Wisdom, we tackle one of the most common (and emotionally loaded) questions we hear: Is it too late to get into the stock market? We break down why waiting for the “perfect dip” usually backfires, how fear shows up during sudden drawdowns, and what a smart long-term strategy looks like when stocks feel expensive.

We also run through a handful of fast-moving headlines shaping sentiment right now — from a major streaming shakeup to the AI arms race heating up again — and bring it back to the core point: building wealth isn’t about nailing the perfect moment. It’s about staying invested, managing risk, and sticking to your plan when markets get noisy.

If you’ve been sitting on cash waiting for the “right time,” or you felt that gut-punch panic during the year’s biggest selloffs, this one will help you zoom out and make clearer decisions.

We get into:

TIMESTAMPS:

01:35 Spotify Wrap-Up and Listener Appreciation

02:55 Stock Market Insights and Predictions

06:44 Netflix Acquires Warner Brothers Streaming Unit

10:54 AI Wars: Google vs. OpenAI

19:18 Is Now a Good Time to Buy Stocks?

20:41 Market Conditions and Investment Strategies

21:39 Debating Market Valuations and Bubbles

24:23 Timing the Market vs. Staying Invested

30:43 The Role of Analysts and Research in Investment Decisions

32:10 Google's Position in the AI and Tech Market

37:33 Conclusion and Upcoming Topics

Whenever you're ready, we can help you in one of two ways:

DISCLAIMER: This content is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past market performance is not a guarantee of future results. Always consult with a financial professional before making investment decisions.

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Gold is up more than 50% this year — so should you actually be buying it right now?

In this episode, we break down one of the weirdest stretches in the market we’ve seen in a while. NVIDIA delivered another monster earnings report, demand for AI chips looks stronger than ever, and yet… the stock still sold off. Then a jobs report hit, rate-cut expectations flipped almost instantly, and markets were all over the place.

Meanwhile, gold has quietly become the top performer of 2024. Central banks are loading up, the U.S. dollar is slipping, geopolitical tensions are rising — and a lot of investors are wondering whether this is a real long-term shift or just another spike driven by fear.

If you’re trying to make sense of gold’s 50% run and want a grounded look at whether it belongs in your portfolio heading into 2025, this episode’s for you.

We get into:

Timestamps: 

00:15 A Night at the Theater

02:05 NVIDIA's Blockbuster Earnings

02:39 Gold's Meteoric Rise

05:18 The AI Boom and Market Trends

09:23 Job Reports and Economic Indicators

14:41 The Surge in Gold Demand

20:30 Theories on Gold and Cryptocurrencies

20:54 Stable Coins and Gold Backing

21:22 Costco's Gold Bars and Retail Trends

23:38 US Debt and Gold Prices

24:55 Gold as an Investment Asset

31:58 Quantum Stocks and Market Trends

35:37 NVIDIA's Market Dominance

39:34 Conclusion and Upcoming Topics