Zacc Call | Money Education

In "Retiree Questions" episodes, Zacc answers the common retiree questions we receive while doing financial planning at Capita Financial Network. When retirees ask whether they should withdraw from their 401(k) or take Social Security, they will get a mountain of uninformed and sometimes terrible financial advice. Most advisors' tools are not equipped to provide an accurate answer to this question...

In "Real Retirees" episodes, Zacc talks through real situations and choices retirees must make. Jamison filed for Social Security benefits on his 67th birthday, however, this is likely a mistake. Listen to understand the error and to learn how to fix it.

Pinning up a financial planner against an index fund is a false dilemma.  In fact, your financial planner may be investing your money in index funds.  They are not in competition with each other.  This misconception plagues both clients and advisors.  This episode explains why this is such a dangerous comparison to make.  You will learn there many financial planning disciplines.  If an index fund...

Capita advisors Zacc Call and Matt Johns discuss diversification and the ways it can affect your portfolio. In the early stages of portfolio construction, the diversification benefit is massive. However, it diminishes quicker than you realize. Why is that and how can we avoid it? Listen or watch this new episode to see what's considered the 'no man's land' when it comes to investing and your portf...

Zacc Call and Capita Advisor Matt Johns sit down and discuss the rookie mistakes, or not so rookie mistakes, made when investing. In this episode, they go over examples of mistakes you can and cannot avoid and why you will never have a perfect portfolio. 

Dr. Terri Flint, an experienced mental health clinician, and wealth advisor, Zacc Call, spend the lunch hour on this webinar with you to discuss thriving in turbulent times. In a time of social distancing and economic disruption, Terri will discuss the science of resilience and the effects of social isolation.

Retirement can be a tough transition for anyone, even the Jazz Bear. Jon Absey takes off the mask and opens up about his career as one of the most prestigious mascots in the business. He shares what it's really like behind the scenes and lessons he has learned through his retirement that may change the way you work now. Listen to this episode to hear it all.

Zacc Call & Kurt Brown (Townsquare Capital CEO, President, Chief Investment Officer) help make sense of recent market movements.  They discuss the signs that typically show during bottoming markets.  Listen to keep up as the news is coming fast!

The dummies, Ansley and Laura, are back. They wanted to learn how to open a Roth IRA account on their own. So, Zacc showed them how. This week's episode consists of step-by-step instructions on how to open up, contribute to, and invest inside a Roth IRA account. There is also a screen-recording of the entire process, so viewers can follow along at home. Zacc answers the dummies' basic questions al...

Last week's episode pushed you to think about how much you want to be saving towards retirement. This week's episode discusses what type of investments you need and uncovers your tool to maintain your retirement savings goal. The Fake Paycheck is the lazy man's way to budget. Listen to this episode to learn how you can set up your accounts so that the only thing you need to worry about is if your...

Zacc opens up about his personal story dealing with cancer and how that has affected the way he saves for retirement. He discusses the different saving styles of Americans and why saving too much may be too risky. This episode focuses on helping your dollar achieve the highest purpose possible. Learn how to save like a worker and think like a retiree, here.

Terri Flint, the doctor of well-being, teaches us why our new year's resolutions aren't working for us. After the diagnosis, Terri lays out a treatment plan to help us better prepare for our goals, assess our readiness, and make changes that actually work for our individual needs. Outline : Who is Terri Flint? What does she do? Terri discusses what kind of struggles she has faced in retirement. Fo...

Sometimes the numbers don't always tell you what's best. Zacc tells the story of Brad & Katie and how their financial goals may be getting in the way of their overall happiness. Zacc lays out their options to both achieve their goals and be happy, but it may be different than what the numbers suggest. Listen to this episode to find out if your financial fears are keeping you from your happiness.

Lester and Robyn have good Social Security benefits, Pension benefits and 2 million dollars saved for retirement, but they are still scared to retire! This episode uncovers the reason why this couple is still nervous to make the jump into retirement, despite their good financial position, and explores the options to plan for concerns. Learn how continuing to work may actually be hurting you rather...

There are lots of reasons why people get divorced, but have you ever heard of someone getting divorced to get a better social security benefit? Capita Advisor, Jayson McGinnis, shares the story of a client who is considering just that. Sounds crazy? If someone offered you $640,000 to get divorced and remarried, you might do the same. Listen to find out if Sue & Denny split. Surprisingly, a quick d...

Are you a government worker or married to one? Three Capita Social Security planners unravel the complicated knot of government social security penalties, such as the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). These penalties mostly apply to those who work in uncovered jobs (not paying Social Security taxes) for a time. Learn about when these penalties apply, whe...

Jeff & Brenda are faced with a life-changing Social Security decision.  They could spend $133K of their $200K retirement savings within the first 4 years of retirement in order to get $15K more per year for the rest of their life from Social Security. What would you do?   You've spent your whole life paying into your Social Security Benefit. This episode explains the strategies that can help you g...

In this episode, Zacc sits down with a group of young men ranging from 11-13 years old. They're asked a series of questions about their finances and what they do to earn money. What do kids think is the typical average income? How much should kids be earning for jobs at this age? Should they get an allowance? How should they spend their earnings? Listen to hear the different perspectives and advic...

Advertisements for preferred stocks may catch your attention with phrases like 5.5% return, conservative, safe and not to mention the word "preferred" in their title. However, these stocks tend to be quite the opposite. Turns out, their only real benefit is being second to last in the line of payout in the unlikely case of bankruptcy. This episode discusses how preferred stocks really work, and su...

Today's episode is with two Medicare experts who help enroll over 6,000 people in Medicare annually. They outline the differences between an Advantage Plan and Supplemental Plans within Medicare. Learn how you can cater and take advantage of your Medicare Plan

"Unicorn" might be my absolute favorite financial term yet.  Listen to this episode to make sense of the recent WeWork madness and other unicorn businesses.  We cover the difficulty of determining the worth of "network effect" businesses.  In other words, the company is losing money, but it is still worth something.  We all may have recently dodged a bullet with the re-pricing of the WeWork Initia...

You own some of your employer company stock in your 401(k) or ESOP plan.  You are about ready to roll the funds out.  Put on the brakes!  There may be a way of avoiding massive income taxes through Net Unrealized Appreciation (NUA).  Listen to hear the stories of Lacey, Robert, and Henry.  NUA didn't make sense for all three, but it saved 2 of them big time.  This episode was recorded in a fishbow...

Are you raising a money monster?  It is easier than you think.  Sometimes your "help" is the root of the issue.  This episode describes the most important tips for helping your kids be smarter in money decisions.  This works whether or not your kids are still kids.

According to my mother-in-law, the only independently wealthy people sell drugs.  However, there ARE legal ways of retiring early.  In fact, there are legal ways of getting money out of your retirement accounts without paying the 10% early withdrawal penalty!  Don't miss these tricks to retiring early and sticking it to the tax man along the way.

You know "that guy" in your neighborhood who you swear played Ned Ryerson in Groundhog day.  You know, the insurance agent from high school who says "You can never have enough insurance right?  Am I right or am I right?" You still can't figure out why you either never hear from your financial professional or you can't get them to leave you alone about a trade or insurance change.  Darrin Gunnell w...