Zacc Call | Money Education

Inflation can heavily impact your retirement plan, so how can you make your retirement funds grow alongside inflation?   In this episode, Zacc, Laura, and Tyson Long discuss the impact of inflation on people reaching or in retirement. They also highlight how their team takes downturned markets into consideration when formulating personalized financial plans.   Tyson discusses: The concept of risk...

Pensions aren't the same for everyone, therefore it is important to organize yours in a way that meets your financial needs and habits.   In this episode, Zacc Call, Laura Hadley, and Bart Wagstaff, CFP®, discuss the ins and outs of pensions and go into significant detail about whether you should take the lump sum or monthly pension benefit.   Bart discusses: A definition of a required rate of ret...

As you accumulate wealth for retirement, inflation brings down the value of your savings and makes it harder for you to retire comfortably. In this episode, Tyler Williamson, a Social Securities expert at Capita, discusses the role of Social Security before and during your retirement. He also answers some commonly asked questions about Social Security and describes how to capitalize on the benefit...

The transition into retirement can be spooky. It can leave you nervous thinking about how much money you will need to have in retirement and when it is okay to retire.  In this episode, Zacc Call, CFP®, and Laura Hadley explain how to manage your portfolio withdrawals. They also share the importance of taking the right percentage of your investments out each year and how it can affect your retirem...

Now it's time to learn what you don't know about Laura Hadley, a wealth advisor at Capita Financial Network and your co-host of the show.   In this episode of The Financial Call, Shannon Lundberg interviews Laura Hadley, to get to know who you will be on this journey down the guided path. Laura shares who and what has influenced her along her journey of being a wealth advisor.    Laura discusses:...

If you haven't already met Zacc Call, the president at Capita Financial Network now is your opportunity to, in a lighthearted way.   In this episode of The Financial Call, Shannon Lundberg interviews Zacc Call, CFP®, to get to know him on a more personal level. Zacc shares past stories you may not have heard before, and he also highlights some of his goals, and a definition of success in his field...

Financial advice and discussions can sometimes sound like an entirely different language.    In this episode of The Financial Call, Zacc Call and Laura Hadley will help you understand the guided path and its purpose no matter where you are with your financial knowledge.   Zacc and Laura discuss: How their show will help you on your path to financial literacy and success Their main mission to guide...

Zacc & Luke give newbies a basic understanding of crypto. They explain the good and the bad about the crypto ETFs that are currently available.    

The quarterly market recap and insights was totally different than previous quarters.  Kurt Brown of Townsquare Capital and Zacc discussed analyzing tax returns, crypto-currency, tech stocks, bubbles, valuations, portfolio turnover, tax-loss harvesting, and more.

Don't get stuck with an unexpected surprise around tax time.  You may be left with a large tax bill after selling your home.  There are three main types: 1. Your primary residence.  2.  A second home.  3. A rental property.  Each of these has different tax rules and rates.  Zacc explains all three scenarios using real examples from his own life.

Everyone wants to figure out what is going on with Gamestop!  Most people have no idea how you sell a stock short much less a hedge fund and a short squeeze.  If you want the basic understanding, this is the episode for you.  In this episode I explain the basic mechanics of short selling using a twitter thread example from Shaan Puri and basic language so my 10 year-old son can understand it.   

Zacc Call & Tyler Williamson discuss Social Security changes to expect in 2021. This is both a podcast episode and webinar found on youtube & thefinancialcall.com.  Tyler updates us on new figures for 2021 Social Security and filing strategies.  Zacc cover the top two mistakes being made in calculating your break-even age.

Investing is more accessible now than ever before. Now that you can trade at a ZERO-dollar commission, the biggest hurdle is understanding the lingo on the website to place an order. In this episode, Zacc walks you through the basics of stock & fund trading. Zacc places a trade in his daughter's custodial account. The video is available on YouTube and audio is available on all major podcast provid...

Episode 50!  I gave my co-workers packing cubes to celebrate my birthday.  I am giving you the packing cubes of charitable giving today to celebrate episode 50.  Donor Advised Funds are one of the most underutilized planning tools available to charitable givers.  In this episode, Zacc breaks down Donor Advised Funds and why more people should be using them.  Zacc explains the additional control DA...

Emily Tate is a teacher who took on the project of improving financial wellness for her fellow teachers. We have an open discussion about the challenges teachers face such as low income and the lack of good financial planning help. We cover the first baby steps beginners should take as they begin financial planning. There are 4 distinct financial fires I believe everyone should extinguish before m...

Let's discuss the number one client question. "How will the elections affect my investments and my retirement?" Join Zacc Call and Kurt Brown as they dive into the details. During this episode Kurt & Zacc explain why we haven't seen much inflation in spite of unprecedented government spending. Listen hear how Biden's proposed tax changes might affect the economy. Kurt and Zacc help simplify comple...

Join me as I chat with Eric Stuart who is the VP of Life Distribution at Allegis Advisor Group. We are talking all things life insurance and digging into the details of the different types. Life insurance helps people when help is needed the most and many of us need life insurance. Listen to learn which type of policy best fits your needs.

Join me as I talk with Matt Russon from Russon Brothers Mortuary to discuss the somewhat uncomfortable topic of death and funeral planning. We discuss some of the big surprises that family members run into while planning the funeral of a loved one. Tune in to learn about some planning options for services that can save you and your family a lot of time and money. 

You can hide from taxes now or reduce taxes later. If you have retirement assets, you can't do both. Jay & Barbara are faced with this exact situation. In this Real Retiree episode, I review their options for preparing for a future tax hit. I explain how it is somewhat paralyzing as neither option feels great. I share their decision and my opinion...which were not the same!

Listen to this bonus episode all about simplifying college savings. There are some major decisions you must make as a grandparent or parent helping with college savings accounts. I will discuss three different account types being: 529 accounts, custodial accounts, and a normal brokerage account. Tune in to learn more about these three account types and see which one is best for you. 

"Tax on a tax" sounds fair right? How much taxes will you owe on your Social Security income in retirement? How much taxes do you pay now to qualify for Social Security? How is your benefit calculated? All these questions are answered in this Retiree Question episode. Our clients are constantly asking, so here is the answer.

Join us today as Zacc Call talks with expert Greg Lyle, who is a University of Utah S.J. Quinney College of Law graduate and member of the Utah State Estate Planning Section. Greg discusses his easy method for getting through the basics of estate planning. Most people need some estate planning work, so tune in to learn more about the four main documents he suggests having which are a trust, will,...

Zacc Call & Capita Advisor Matt Johns discuss the difference between mutual funds and exchange-traded funds. Many people avoid mutual funds because they think they are risky, but that isn't always true. Learn why you need to know the difference between mutual fund ETF active and passive in order to protect yourself from getting ripped off later.

Today we are talking with expert Lee McCullough who is an attorney and partner with McCullough Sparks as well as professor at the J. Reuben Clark Law school located at Brigham Young University. We are chatting about the importance of estate planning to help avoid relationships from crumbling. Join us as we talk about 5 key instruments of estate planning to help maintain the harmony within your fam...

In this "Retiree Questions" episode, Zacc goes over the logistics of making withdrawals from your portfolio account with the help of fellow Capita advisor Bart Wagstaff and support staff member Calli Case. These three discuss in depth what goes on behind the scenes of withdrawals, taxation, and related investment considerations. The group also touches on Required Minimum Distributions and Qualifie...