Protecting & Preserving Wealth

Lifetime gifting strategies are how financially successful families can pass wealth to the next generation while still alive. Gifting is not just for the ultra-wealthy. It is a practical tool for families who want to see their children benefit from their financial success in real time. Having a foundational financial plan allows us to determine how much can be gifted without putting retirement at...

Today we discuss the idea of a foundational financial plan and explain why it is essential for anyone preparing for retirement or managing long term wealth. This is a comprehensive system that brings together multiple areas of financial life into one coordinated strategy. Without a clear plan, people are often guessing about their future instead of making informed decisions. At Hosler Wealth Manag...

In this episode of Protecting and Preserving Wealth , we talk about the new Trump accounts and why grandparents need to be careful before trying to open one for a grandchild. The team is excited about the concept because these accounts could help young people learn about investing early, build long-term wealth, and become more financially aware. But the main warning is clear: grandparents should n...

In Episode 85 of Protecting and Preserving Wealth, we continue the conversation about the widow’s penalty and how it can affect a surviving spouse after the death of a husband. The key issue is not that the widow’s income necessarily increases. It is that her tax status changes. While married, a couple can file jointly and benefit from wider tax brackets. After the year of death, the surviving spo...

In this episode, we introduce the concept of "the widow’s penalty" and explain why it is one of the most important, yet often overlooked, risks in retirement and estate planning. We focus primarily on taxes, income loss, and preparedness for surviving spouses, who are most often women. We begin by explaining that while couples are alive and filing taxes as married filing jointly, they benefit from...

In this episode of Protecting & Preserving Wealth , we focus on estate planning—specifically, how often it is overlooked or improperly handled, and how good intentions can still lead to serious financial, tax, and family consequences. We walk through a real-life case involving a family that believed they had things mostly in order, only to discover after a parent’s death that the lack of proper pl...

Now that we are into 2026, we take a deep dive into several critical changes in tax law that will affect financial planning, estate strategy, and retirement contributions. At Hosler Wealth Management, taxes are a core focus of our work, and this episode unpacks the nuances and planning opportunities within four major updates. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msR...

In this episode of Protecting and Preserving Wealth , we dive into key updates around Qualified Charitable Distributions (QCDs) for 2026. QCDs allow individuals age 70½ and older to make direct charitable donations from their IRA accounts, and this episode is especially relevant for clients looking to manage taxes effectively while giving charitably. 📚 Get Bruce’s Book: Moving To Tax-Free (on Ama...

In this episode, we explore the upcoming Trump Accounts and what they could mean for American families. These accounts, born from the OBBBA legislation, will officially launch on July 4, 2026. Children born between January 1, 2025, and December 31, 2028, will automatically receive a $1,000 federal contribution into their Trump Account. But the scope is much broader—children under 18 will also be e...

In this episode, we explore the expanded flexibility and potential of 529 plans in light of recent legislative changes. We begin with a refresher on how 529s have traditionally been used to fund college expenses, but quickly shift to how these accounts now offer broader applications thanks to evolving tax law, including updates from the Tax Cuts and Jobs Act, the SECURE Act 2.0, and the newly enac...

In this episode, we dive into a growing concern for high-net-worth families: the impact of the $38 trillion national debt on future taxes, estate planning, and wealth preservation. We don’t dwell in fear — instead, we focus on smart, proactive steps that affluent individuals and families can take now while tax rates are still historically low. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) ht...

In this episode, we tackle the reality of structurally higher interest rates and how they impact wealthy retirees. For years, investors operated under the assumption that rates would always return to near zero. That mindset no longer works. With federal debt now surpassing $38 trillion, persistent deficits, and political gridlock, rates are likely to remain elevated for the foreseeable future. We...

In this episode, we continue our conversation about stablecoins and explore how they’re positioned to revolutionize the financial system. If you haven’t listened to part one, we strongly recommend going back for the foundational context. Today, we shift from theory to real-world applications, diving into the impact of stablecoins on everyday transactions, the infrastructure being developed around...

In this episode of Protecting and Preserving Wealth , we dive into the rapidly evolving world of stablecoins and why they matter for the future of digital finance. Bruce and Jason Hosler break down what stablecoins are, how they differ from other cryptocurrencies, and why the recently passed GENIUS Act is a game-changer for the space. We begin by clarifying that stablecoins aren't just another cry...

In this episode of Protecting and Preserving Wealth, we continue our deep dive into reverse mortgages, focusing on the truths and misconceptions surrounding them.  We pick up where we left off with Rob Kanyur of Fairway Mortgage, digging into the tax implications of reverse mortgages — an area Bruce is particularly passionate about. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn....

In this episode of Protecting and Preserving Wealth , we sit down with Rob Kanyur, a reverse mortgage expert from Fairway Mortgage, to break down the facts, misconceptions, and real benefits of using reverse mortgages as a strategic financial planning tool in retirement. Bruce Hosler opens the conversation by reminding us how reverse mortgages have evolved and highlights updates since he first wro...

https://amzn.to/4msRo2k In this episode, we unpack the real story behind the bold headline “No Tax on Social Security,” as introduced in the One Big, Beautiful Bill Act (OBBBA). While the name suggests a total elimination of taxes on Social Security, we clarify that the bill actually introduces a new “Senior Deduction” rather than exempting Social Security benefits entirely from taxation. It’s imp...

In this episode of Protecting and Preserving Wealth , we dive into key updates from the Ed Slott Master Elite IRA Advisors Conference, focusing on critical tax changes and planning pitfalls that impact retirees and IRA holders. Bruce Hosler shares his takeaways after nearly two decades of attending these elite sessions. We break down three essential areas that our listeners need to understand head...

In this episode of Protecting and Preserving Wealth, we explore the most compelling investment themes we see emerging for 2025. Together, we identify ten major growth areas—what Bruce calls “green shoots”—that signal new and transformative opportunities across sectors like crypto, AI, energy, and biotech. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️Chapters & What...

In this episode of Protecting & Preserving Wealth , we continue our discussion on the financial and tax implications of selling real estate, shifting focus from primary residences to second homes and rental properties. We open by clarifying the IRS guidelines for determining a primary versus secondary home. The key factor is where the majority of the year is spent, and that’s verified through docu...

In this episode of Protecting and Preserving Wealth , we kick off a two-part series on the real estate sale process by focusing on selling a primary or principal residence. We explore what homeowners need to consider—from title and tax implications to planning strategies and insurance coverage—with insights from Bruce and Jason Hosler of Hosler Wealth Management. 📚 Get Bruce’s Book: Moving To Tax...

📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://www.amazon.com/dp/B0CY2XP8CD In this final installment of our estate and legacy planning series, we dive deep into the two-generation tax-free legacy plan—a strategy Bruce designed to help families with $2 million or more in investable assets leave behind a financially secure, tax-efficient inheritance. Bruce and Jason Hosler explore how...

In this episode of Protecting and Preserving Wealth , we continue our estate and legacy planning series by focusing on charitable giving and charitable legacies. Charitable giving occurs during one’s lifetime, while a charitable legacy ensures that assets are left to charitable organizations after death. Understanding the right tools and strategies can maximize benefits for both the donor and the...

In this episode of Protecting and Preserving Wealth , we continue our estate and legacy planning series, focusing on strategies to leave assets in a tax-advantaged or tax-free manner. Bruce Hosler, Alex Koury, and Jason Hosler from Hosler Wealth Management join Jon Gay to break down key approaches to optimizing wealth transfer while minimizing tax burdens. ⏱️ Chapters & What You'll Learn (00:00) –...

In this episode of Protecting and Preserving Wealth, we move to topic 3 in our estate planning series by tackling a critical but often overlooked topic—how to properly title assets. Previously, we discussed beneficiary designations, but today, we dive into why the way assets are titled can significantly impact taxes, probate, and the distribution of wealth. ⏱️Chapters & What You’ll Learn: (00:00)...