Congress just passed a massive financial framework, and it's going to change everything — your taxes, your business deductions, even crypto regulation. In this episode, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down what’s inside the FY 2026 federal budget and what it means for your wallet, business, and portfolio.

👨‍👩‍👧‍👦 Personal Tax Changes:New deductions on tips, car loans, and overtime pay. "Trump Accounts" for newborns. Bigger savings for seniors.

🏢 Business Owner Alert:23% tax deduction for pass-throughs. Accelerated depreciation. Time to reassess your entity structure.

📉 Market Outlook & Crypto Regulation:Stablecoin rules, compliance requirements, and why speculation isn’t a strategy.

✂️Big Spending, Big Cuts:Medicaid work requirements, SNAP reductions, border wall funding, and the biggest deportation campaign in U.S. history.

💡 Whether you're an investor or entrepreneur, now’s the time to update your financial game plan.

🎧 Listen in, get smart, and don’t let TikTok be your financial advisor.

👉 Visit us: www.privatefinancialdesign.com
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🎙️ Available wherever you get your podcasts.

Summer fun doesn't have to mean financial frenzy! In Episode 33 of Your Bread & Butter, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® share practical tips to help families stay on track with their finances during the busy summer months.

🎙 In this episode:

In Part 2 of Your Bread & Butter’s look at the economy and markets, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® return with a deeper dive into how tariffs, market uncertainty, and global dynamics are shaping financial outcomes — and what smart investors can do about it.

From revised GDP forecasts to shifting political will in Washington, this episode unpacks the current landscape and offers practical, level-headed strategies to stay grounded through volatility.

✔️ The Real Impact of TariffsExplore how U.S. and China trade tensions have evolved, why tariff policy is shifting, and how these changes are directly impacting GDP forecasts, market confidence, and global economic relationships.

✔️ The Power of a Long-Term Investment PlanLearn why staying the course — through dollar-cost averaging and consistent investing — can be a smarter strategy than trying to time the market or chase trends.

✔️ Dollar-Cost Averaging: Pros and PitfallsWe walk through the benefits of reducing emotional decision-making, but also explain why it's no replacement for selecting quality investments at the right time.

✔️ Smart Adjustments for Short- and Mid-Term SavingsFrom inflationary pressures to uncertain costs, we share steps to realign your savings strategy — including trimming expenses, boosting cash reserves, and maintaining investment momentum even through volatility.

✔️ Reconsidering Portfolio ExposureIs now the time to look beyond the U.S.? We discuss why undervalued international equities, especially in Europe, may present new opportunities, and what sectors are showing strength abroad.

✔️ Investing in YourselfIt’s not just about money — it’s about value. This episode encourages listeners to make career and lifestyle investments that build personal resilience, professional worth, and long-term stability.

Uncertainty can feel paralyzing — but this episode helps you take thoughtful, confident steps forward.

🎧 Subscribe for more grounded financial insight every week
📍 Learn more at www.privatefinancialdesign.com

In this episode of Your Bread & Butter, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® take a deep dive into thecurrent state of the U.S. economy — and where it might be heading.

Ever packed a bag without knowing your destination? Just wandered the airport hoping a flight felt right? Yeah, us neither. When it comes to your financial future, direction matters.

We’re here to unpack where the economy and markets stand today — and what’s on the horizon — so you can plan, prepare, and focus on what you can control.

✔️ Where Are We Now?A look at job market strength, key economic indicators, and legislative shifts that could impact financial strategies in 2025.

✔️ Tariffs, Trade, and TensionsU.S. trade actions — and the global response — with a breakdown of how Canada, Mexico, and China are reacting.

✔️ Confidence and ConsequencesFrom inflation uncertainty to consumer sentiment, we explore how businesses and individuals are positioning themselves for what’s next.

🎯 Stay tuned — this is just the beginning. Part 2 is coming soon with even more insight you won’t want to miss.

🎧 Subscribe and listen on your favorite podcast platform.📍 Visit us at www.privatefinancialdesign.com

So the bags are packed, the dorm fridge is loaded up, the Play Station is secured along with the TV, and the bills are starting to roll in...It's too late to plan for college expenses, but it IS time to pay. What can you do to get funding, again, without selling your kidney!

Listen in and get tips and practical ideas as to steps you can take so that your young adult can focus on their education and campus social life, while your checkbook meet's the challenge>

🎓 College Costs Are Coming!

Springtime means blooming flowers, warmer days… and yes, time to figure out how to pay for college! Whether you’re heading off for your first semester or gearing up for another year toward that degree or certification, planning ahead can save you a lot of stress—and all your vital organs.

We’re here to help you create a smart, doable funding plan—no kidney donations required. 🏥💸

Tune in to learn the key steps to cover college costs without resorting to black-market solutions. Your future (and your spleen) will thank you.

Welcome to “How to Lose Debt Weight” — the podcast where shedding pounds and paying down debt go together.

Like trimming fat from your waistline, we’re here to help you slim down your finances. We will help flex your budgeting muscles, cut the excess spending calories, and build strong saving habits that’ll leave your wallet lean and mean.

Join us as we train your mindset, coach your cash flow, and spot you on your journey to financial fitness. Getting in shape isn’t just for the gym — it’s for your bank account too.

Ready to lose the debt weight that’s been holding you back? Let’s get financially fit — one rep & one repayment at a time.

Subscribe now — and start losing your debt weight today.

There’s no shortage of financial advisors out there—but finding someone who truly puts your best interests first? That’s a different story.

When it comes to achieving your financial goals and turning your dreams into reality, working with a fiduciary—especially a Certified Financial Planner™ (CFP®)—can make all the difference. We’re here to show you why choosing the right advisor matters and how a CFP® can be your trusted partner every step of the way.

We use health professionals whose career training is to always seek our best interest for our physical and mental health. The same standard can be used for your monetary health as well. 

A financial fiduciary’s role is to always seek your best interest in giving advice about your money decisions and how it affects your plans, reality and your dreams. This podcast describes the unique characteristics of what happens when you work with a someone who is a fiduciary by trade and training.

’Tis the season—Hanukkah, Christmas, New Year’s—it’s all happening! Spread joy without breaking the bank or channeling your inner Scrooge. Find thoughtful gifts, celebrate with loved ones, and kick off the New Year debt-free and full of cheer!