This week is our latest Question and Answer Show, and it's filled with a variety of questions from listeners and in-person conversations over the last several weeks. Some of the questions include: 

• I need to take another required minimum distribution (RMD) this year. What options do I have if I do not need the money? 
• My son is 18 months old. I want to start saving for his future, but I'm not sure a 529 plan is the best option. What other ways can I save money for him? 
• I've heard you talk about Net Unrealized Appreciation before. Can you explain that more in detail? 
• What happens when a person dies when a balance in his health savings account (HSA)? 
• When is open enrollment for Medicare? 
• Are "basis" and "cost basis" the same thing? 

David and Jim Inman will tackle these questions and more this week on the show! 

David dives deep this week into the world of IRAs - understanding the basics of the investment product, understanding "basis" and "cost basis," the "ghost-life rules" of IRAs and why inherited IRAs (and 401(k)s can quickly become complicated.

Plus, David will provide an economic outlook on a variety of topics - the Middle East, inflation, the labor market, the financial markets and early thoughts on the mid-term elections. 

This week the Federal Reserve met, taking a 9-3 vote to keep interest rates steady again. What does that mean for the next few months for Americans? David Hays welcomes Rod Holloway from CFCI to discuss the vote as well as US GDP and more.

Fidelity Investments shared their 25th annual Retiree Healthcare Cost report this week, and David will share some of the highlights and insights from the report. It's an opportunity to see how rising healthcare costs will impact retirement planning, and what possible tools can help with financial planning.

Plus, do you know anyone who retired early - and regretted it? David will share an article about Americans who took an early retirement, without looking at some of the big-picture planning as well. For some, working an extra year or two can make a big difference in the long-term financial peace. 

Are you thinking about moving? This week David will be discussing real estate capital gains, and options to potentially avoid or delay capital gains. Last week David ran short on time for his mid-year financial discussion.

He will discuss savings, beneficiaries and spending habits - and how to review and modify those habits based on needs and goals. All this, plus looking at five common mistakes when converting a Roth IRA - and how you can avoid them.

It's a step in the (potentially) right direction. This week the House passed legislation to make daylight saving-time permeant. What does that mean for Hoosiers, and the rest of the country? David will share thoughts on the impact - and upcoming conversations with state elected officials.

Also, is the Australian system of retirement something the US should consider? David will discuss how Australia's retirement program works, and why it may be something to consider as Social Security continues to be challenged for Americans - especially those not yet retired.

Plus - are your beneficiaries in good order? Have you looked at your income and tax situation? David will dive into the different ways people look at financial planning, and why it's important to see the big picture in things.

All this, plus Rod Holloway from CFCI with a market update.

Have you ever heard of the five-year rule, as it relates to Roth IRAs? This week David will discuss why Roth IRA owners need to pay attention to this rule when taking distributions and how converted funds relate to the guideline. 

June was Annuity Awareness Month, and there was some discussion on the investment product in the June 18th episode. This week David takes a deep dive into the various types of annuities and what potential investors should consider. 

Plus the new Trump accounts went live on July 4 - so what's happened since the first day? David will give the latest... but much more in the show this week! 

David is back in the studio this week, as the second-half of 2026 kicks off.

Rod Holloway from CFCI will be calling in to provide a market update, as well as discuss jobs, inflation and more.

July 4 isn't just Independence Day - it's the start of the new Trump Accounts, with opportunities for saving for children. David will give specifics on the plan, as well as compare the program to Roth IRAs, 529 college savings plans, UGMAs (Uniform Gifts to Minors Act) and UTMAs (Uniform Transfers to Minors Act).

Plus, when thinking about estate planning, what assets should you consider leaving to people and what should go to charity? And what if you want to make a gift while you're alive? David will have details on ways to potentially maximize the impact when gifting money. 

Doug Hughes and Jim Inman are in the studio again this week, continuing last week's conversation on financial matters for 30-to-50 year-olds.

Doug and Jim will also highlight an important topic - cybersecurity - and how people can protect themselves from hackers.

Summer is here - and people are grabbing books as they head for vacations or evenings on the patio. The guys will have some suggestions of books to check out... plus, Doug and Jim will share questions that every financial advisor likes to hear! 

David is traveling this week and next, so Doug Hughes and Jim Inman are taking over the microphones for the next two shows.

This week Doug and Jim will take a look at Space X Initial Public Offering (IPO) and why it's so newsworthy. They will also share what the differences are between a million, a billion and a trillion (bring a roll of pennies with you when listening).

Also, June is National Annuity Awareness Month, and Doug will talk about the different types of annuities, why they fit for some investors, common misconceptions about annuities and more.

Plus - if you're 30-50 years old, you may sometimes wonder "Is all this financial talk really important to me?" The answer is a strong "Yes," and Jim and Doug will offer a variety of reasons and considerations people under the age of 50 need to think about when planning for the future.