Zacc Call | Money Education

Not sure when to start creating your estate plan? Take this as your sign.   This first episode of season five provides an overview of estate planning and highlights the importance of protecting your assets and loved ones.    Jayson McGinnis joins the conversation and discusses some of the misconceptions around estate planning, the key elements to consider, and some practical tips for those not kno...

Between June 5th and the end of September this year, the U.S. government is scheduled to reach it's debt ceiling. Listen in to this special bonus episode to know what this means, how this will affect the economy and why there could be a government shutdown as a result of this. You don't want to miss this!

It's important to educate yourself on the truth about taxes and avoid falling for the most common myths, which we debunk thoroughly.   In this episode, Zacc Call and Laura Hadley discuss the most common tax myths people fall for which includes the discussion of mortgages, estate tax, and gifting funds. The aim is to help you better understand the truth behind these rumors so you can avoid problems...

Does your employer offer stock options as part of your compensation package? Whether they do or not, this episode will be helpful for you to better understand the intricacies of stock options. In this release, Zacc Call and Laura Hadley dive into the topic of employee stock options, discussing what they are, how they work, and their benefits and risks. They also touch on taxes surrounding these ty...

Are you tired of paying high taxes and want to keep more of your hard-earned money?   In this episode, Zacc Call and Laura Hadley break down various tax strategies to help you save money on your taxes. While they focus on tax strategies geared towards retirees, many of the tax strategies discussed can be applied at any age!   Zacc and Laura discuss:   Different tax strategies for retirees  Some st...

Sometimes people get so caught up in their retirement investments and savings that they forget how to properly manage their non-retirement related investments. This episode is our way of stopping you from making this mistake. Spend time with Zacc Call and Laura Hadley as they are joined by Tyler Williamson, Partner & Wealth Advisor at Capita to talk about how your non-retirement investments are ta...

With the sudden shut down of Silicon Valley Bank over the weekend, Zacc and Laura are here to explain how this happened, what is being done to help the situation and if this can have an affect on you as a listener. Tune in now!

We are excited to announce that one of The Financial Call's most listened to episodes now has a sibling.   That's right, we are talking about Roth and traditional investment accounts.   In this episode, Zacc Call and Laura Hadley discuss the difference between Roth and traditional investment accounts and how to find out which one is the best fit for your retirement plan.    Zacc and Laura discuss:...

Taxes are so applicable to everyone and there are some very basic things that people can do if they understand how taxes work that will help them save on taxes, sometimes even thousands of dollars. In this episode, Zacc Call and Laura Hadley aim to help you better understand your tax return while also providing tax strategies that can help you save money. Zacc and Laura discuss: The foundation of...

Now that you have learned about the different types of investments, it's time to put your knowledge to the test and start building your portfolio. In this episode, Zacc Call and Laura Hadley talk with Rich Gurr, CFP®, on the show to discuss not just how to set up your investment portfolio, but how to avoid the common mistakes beginner investors tend to make. Rich discusses: Why risk capacity shoul...

Standard stock and bond portfolios have done their job well over time, but some investors want to add alternative investments for potentially higher returns and diversification. Alternative investments come with additional risks, but they may be the answer. Join Zacc Call, Laura Hadley, and Tyson Long, CFP® as they delve into the often misunderstood world of alternative investments and explain how...

We must warn you, this episode's topic can be pretty polarizing in the financial services industry, but that's not stopping us from doing an episode about it. In this episode, Zacc Call, Laura Hadley, and Tyson Long, CFP®, discuss the pros and cons of real estate investing and how you can discover whether it is a suitable venture for you in your investing career. Zacc, Laura, and Tyson discuss: Wh...

We'll admit…learning about funds can be a pretty complex conversation, but that's exactly why we have invited Tim Gottfredson, CFP®, on the show, to break this down into the simplest terms. In this episode, Tim shares his expertise about investing in funds and how you can do so while saving yourself the most amount of money possible. Tim discusses: How to limit broker fees and when you can expect...

We've talked about the basics of investing, we've talked about investing in stocks, but now it is time to discuss everything you need to know about bonds! Investing in bonds is different from investing in stocks, and in this episode, we are here to help you decide whether they would be a viable investment option for your portfolio.  Zacc and Laura discusses: The history of bond investments The ben...

Learning to better understand the stock market and investing as a whole should be a key part of everyone's retirement plan. In this episode, Zacc Call and Laura Hadley talk with Matt Johns, CFP®, to share his vast knowledge about the stock market which will help you better understand how you can make your money work for you prior to and during retirement.   Matt discusses: How easy it is to purcha...

The wait is finally over… Season 3 has arrived! If you are someone who is wanting to jumpstart or even just enhance your investing journey, then you are going to love this season of The Financial Call! In this episode, Zacc Call and Laura Hadley introduce the topic of season 3, which is investing. They discuss what learning opportunities you will have throughout this season, and the nitty gritty d...

In 1940, the average life expectancy of a 65-year-old was another 14 years, but today, it is over 20 years. This means you will probably need to save more money and better organize your finances as your retirement will most likely last longer than those in the past. In this episode, Zacc Call and Laura Hadley talk with Bart Wagstaff, CFP®, to share how you can start putting your Social Security st...

When people hear the word 'penalty', they automatically assume it's a bad thing. But when it comes to Social Security, that isn't necessarily the case. In this episode, Matt Johns, CFP®, an employee at Capita Financial Network, discusses Social Security penalties which can help you discover which ones may apply to you in the future. Matt discusses: How he helps people like you discover what amount...

Zacc Call is joined by Tyson Long to give you a quick summary of Capita's Fall 2022 Educational Bootcamp. Listen for highlights from Kurt Brown's market updates, Tyson's overview of the market from this last year, Erik Soderborg's insights on Medicare costs and options, and Zacc's strategies for saving on taxes when doing a personal audit.

Benefits can be complex to understand, especially when remarriage or spouse deaths are involved.   And by not understanding them in detail, we may miss what we are entitled to get.   In this episode, Zacc Call and Laura Hadley chat with Jayson McGinnis, a wealth advisor at Capita Financial Network, to give details regarding divorce, remarriage, and survivor benefits. Additionally, they explain the...

Benefits can be confusing when it comes to knowing what's available and how to get them.   For spouses, there are benefits and strategies that not everyone knows about, and once you know them, it's crucial to understand their details to maximize them.   In this episode, Michael Littledike, Founder and CEO of Capita Financial Network, talks with Zacc Call and Laura Hadley to help people understand...

Retirement benefits like Social Security make a world of difference for people in retirement.    So how much should you expect to receive from these benefits? And in addition, where does the money from these benefits come from?   In this episode, Zacc Call and Laura Hadley dive deeper into the ins and outs of Social Security by explaining how you can estimate how much you will receive, how to maxi...

People make a lot of assumptions about Social Security, and unfortunately, this mistake can come back to bite once you are ready to retire.   Despite what many might think, you'll want to learn about Social Security benefits long before you retire and this episode is the perfect place to do just that!   In this episode, Tyler Williamson shares his expertise about Social Security and explains how y...

Now that we have discussed what you need to know as a young investor, we now need to discuss what you need to know as an experienced or wise investor approaching retirement.   If you want to know how to retire as early as possible, you'll want to listen to this episode.   In this episode, Zacc Call and Laura Hadley provide professional advice about investing and curating your retirement plan in th...

Your age has a large impact on how and when you will plan your income, invest your money, and spend your time.   In this episode, Zacc Call and Laura Hadley discuss how individuals aged 25-40 can enhance their income planning strategies and capitalize on the amount of time they have to invest.   Zacc and Laura discuss: How to increase your earning power Four 'financial fires' that can impact your...