You asked and we listened! This week we're back with the ever-popular Question-and-Answer Show with David and Jim Inman. We have a variety of questions this round, including:

• Can I give 529 funds to my niece after my daughter graduates college?

• What's the difference between per sterpes, per capita and pro rata?

• Where do my tax dollars go?

• When can I convert my SIMPLE IRA to a Roth IRA?

• What access does a Power of Attorney (POA) give an individual?

If you have a question for us, you can submit it here - https://www.cfci.us/your-money

David is on the microphone this week to address the fears and challenges coming from Washington in the last few weeks. Between tariffs, NATO, Warren Buffet, DOGE and Ukraine, there is a lot of change happening in the US... and David will look at some history of change in US politics and offer some ways to stay calm amid the media noise. Also this week, David will discuss spending in retirement. It's not always an easy thing to go, but it's an important part of a happy retirement. Plus IRA updates and common mistakes as well as the importance of beneficial ownership filing.

Doug Hughes and Jim Inman are in the studio this week with topics focused on those under 50. The conversations will start on managing debt and student loans and then shift into homeownership and real estate - certainly a significant topic in the country today.

Doug and Jim will and share about the importance of saving for retirement (including the differences between 401(k)s, IRAs and Roth IRAs) and planning for life's milestones - college savings, estate planning, emergency funding and more.

It's a deep dive on some key topics that may be beneficial to your kids or grandkids - or you!

David is on the air with thoughts on inflation - up 3% in January, according to a Labor Department announcement. He will also dive into investment vehicles like buffered ETFs (exchange-traded funds) and buffer annuities and explain the pros and cons when considering them for an investment portfolio.

David will also share about the psychology of money and understanding the differences in signing up for Social Security - your age, your marital history, minor children and more.  Did you know where your money comes from impacts how your save and how you spend? It’s something to consider while you’re listening to this week’s episode.

David welcomes local attorney Lance Like to the show this week for a full hour on estate planning. Whether someone is young or old, single or married, an estate plan is a key part of a person's long-term financial goals.

David and Lance will discuss Medicaid rules and planning, estate taxes, veterans benefits and why people should think of estate planning like tax planning. There will also be talk on Powers of Attorney (POA), providing for special needs children and the high estate tax exemption sunset in 2026.

If you want to know about estate planning, be sure to tune in this week - there will be a lot of information shared during the show!

David is in the studio this week and there is a lot to discuss out of DC - the announcement of a buyout for federal employees, a potential push on interest rates from the White House and what Fed Chair Jerome Powell shared on Wednesday.

David will also review last week in the markets, including a "black swan" event related to AI.

There's also conversation on gold, inflation and taxes - the season has begun, and David will dive into income tax as well as sales tax, usage tax and more. 

David is on the road this week, so Doug Hughes and Jim Inman are in the studio with the first Question-and-Answer Show of 2025. There are a variety of questions planned for this episode on transferring funds from a 529 college plan to another beneficiary, Health Savings Accounts (HSAs), the new Windfall Elimination Provision, 2025 catch-up updates on investment accounts and a few questions on IRAs.

How else would you spend your birthday but hosting a radio show? It's David's birthday on Thursday and he will kick things off with Rod Holloway and a market update - what's happening in the bond market right now?

Also there's been a lot of talk on the Social Security Windfall Elimination Provision and the Government Pension Offset... David will talk about those programs and how they could impact families.

David will also discuss new 401k provisions occurring in 2025 and reducing retirement savings regrets. Tune in for the birthday fun!

Have you ever thought about the best way to withdraw from your savings? This week David looks at a recent New York Times article that has some things right... and some that he will discuss on the show. 

Plus... is 100 really the new 70? It's not hard to believe that more people are living longer lives - and many are staying healthy for most of those years. David will talk about optimism in retirement and bring some of the things to the show that you might need to hit the century mark. Plus - Ten Themes for 2025 - some great reading ideas for those looking for book suggestions!

For the first show of 2025... David is in the studio along with Rod Holloway and Doug Hughes. The trio will have a recap of 2024, looking at what was expected for the year and what actually occurred - plus a discussion on government spending and what may be coming under the new administration. 

David and Doug will take a look at some of the things no one tells you about retirement - that it may not be the vacation lifestyle that is often portrayed in commercials and social media. 

Start your year off with David, Rod and Doug this week!