Zacc Call | Money Education

Are you a homeowner or looking to become one? Here's where you can learn about all the insurance you may need!   Listen in as Zacc and Laura are joined by insurance professional Spencer Shelton to delve into property and casualty insurance. They discuss various personal and commercial insurance types, including auto, home, and umbrella policies.    Spencer explains the nuances of homeowners' insur...

In this special bonus episode Zacc Call joins Erik Soderborg on the 90 Days from Retirement Youtube channel to delve into the most pressing questions from the internet following their recent episode on Roth vs. Traditional. This engaging discussion offers valuable insights and answers to commonly asked questions, providing listeners with a comprehensive understanding of the complexities surroundin...

Long-term care insurance is becoming an increasingly fundamental addition to the financial planning process.    That's why Zacc Call and Laura Hadley, along with insurance professional Barney Tanner, are diving into the intricacies of long-term care and disability insurance. They discuss the likelihood of needing long-term care, the various payment options including insurance, and the importance o...

Get ready for another special bonus episode where Zacc Call joins Erik Soderborg on the "90 Days from Retirement" YouTube channel! They dive deep into the critical art of securing your retirement funds, covering everything from external risks to the internal decisions that could make or break your financial future.  The conversation dives deep into the intricacies of risk tolerance, savvy withdraw...

There's no magical date marked on the calendar telling you when to get life insurance.  So, when should you get it, and is there a time you should get rid of it? In this episode, Zacc Call and Laura Hadley discuss both when to get and when to drop life insurance. Zacc shares his journey with life insurance, starting from when he married at 22, highlighting its importance for end-of-life expenses a...

Explore an exclusive bonus episode featuring Zacc Call and Erik Soderborg from 90 Days from Retirement, where they unravel the intricacies of optimizing your Social Security benefits. Delve into valuable insights on maximizing your financial future. Catch the full interview on Erik's YouTube channel for a comprehensive guide to securing your retirement. Full video: https://www.youtube.com/watch?v=...

Does it feel like you're constantly being pitched life insurance? There's a reason for that and we're going to tell you why. In this episode, Zacc Call and Laura Hadley explore the intricacies of life insurance. Zacc shares his journey with thyroid cancer and underscores the value of life insurance in providing financial security during unforeseen health issues.  They discuss the importance of det...

Navigating the intricacies of Medicare can feel like wading through an alphabet soup of confusion and misinformation.    To help you feel less overwhelmed, Zacc Call and Laura Hadley break down the different parts of Medicare and explain key points to keep in mind before enrolling — so you can make an informed decision based on your healthcare needs.   Zacc and Laura discuss: Why enrolling in Medi...

Retiring early is a dream for many.   However, people often hesitate due to a fear of high healthcare costs, given that Medicare doesn't come into play until the age of 65.   We address this concern today — in the first episode of our brand-new season about insurance! Zacc Call and Laura Hadley explore three options for pre-65 health care coverage: COBRA plans, retiree plans offered by employers,...

If you plan to exit your business soon and are charitably inclined, you may have untapped tax-saving opportunities!   In this episode, Zacc Call and Laura Hadley discuss tax-efficient charitable giving strategies for business owners planning to exit their businesses. They specifically share ways to leverage donor-advised funds (DAF) and charitable remainder trusts to reduce capital gains tax and m...

Let's discover how to maximize your impact on your favorite charities while enjoying tax benefits using donor-advised funds!   In this episode, Zacc Call and Laura Hadley discuss DAFs, their benefits, growth, and associated sponsors and fees. They emphasize the importance of separating tax decisions from the act of giving and the timing flexibility DAFs offer.    Listen as they share a case study...

Let's continue to learn how to reduce your taxes while increasing your giving potential!  More specifically, with the help of Qualified Charitable Distributions! In this episode, Zacc Call and Laura Hadley discuss the benefits of Qualified Charitable Distributions (QCDs) for individuals aged 70.5 or older. They explain how QCDs (Qualified Charitable Distributions), made directly from pre-tax IRA a...

In this episode, Zacc Call and Laura Hadley discuss the tax benefits of charitable giving, focusing on the strategy of "bunching" or "doubling up" donations. They explain the impact of the standard deduction on tax benefits and how timing donations can optimize tax savings.    They also introduce the concept of a donor-advised fund (DAF) as a tool for controlling the timing of your donations and i...

In this engaging episode, financial experts Zacc Call and Erik Soderborg come together on Erik's YouTube channel 90 Days From Retirement to unravel the complexities of Roth and Traditional retirement accounts.  Zacc and Erik provide listeners with valuable insights into how each account aligns with varying financial goals and circumstances. They demystify the common misconceptions surrounding Roth...

It's a brand new season with brand new topics! It's time to unravel the intricacies of charitable giving.   In this episode, Zacc Call and Laura Hadley discuss the benefits of donating cash versus stocks, and the potential tax advantages associated with each option.    They also explore potential tax implications and limitations based on your income level and the type of charity you give to.    Jo...

Creating clear processes and systems can skyrocket the valuation of your business.    In this episode, Zacc Call and Laura Hadley, along with their friend and colleague Tyson Long discuss the importance of having the right network and team of professionals when selling or owning a business. They highlight the order in which you should address the different categories of owning a business and the m...

In today's episode, Zacc Call and Laura Hadley talk about exiting your business from a legal perspective with the help of attorneys Bryant Jensen and Megha Kundra from Fabian VanCott.   Listen as they discuss the process business owners need to take when exiting their business, how to properly evaluate the market, review financials, and prepare for the sale.    Bryant & Megha discuss:   A breakdow...

Knowing how to effectively scale your business can greatly impact your retirement plans. Just imagine the opportunities and challenges that come with taking that leap!   In this episode, Zacc Call and Laura Hadley discuss investing in your business and retirement as a business owner. They differentiate between business creators and solo practitioners, emphasizing the importance of scaling up a bus...

Are you feeling overwhelmed by the complexity of small business retirement plans?   In this episode, Zacc Call and Laura Hadley are joined by their Capita colleague, and recurring guest, Tyson Long to analyze and provide detail surrounding various retirement plan options for small business owners. Their suggestions are not one-size-fits-all but rather catered to consider factors like the number of...

What type of business structure should you use to limit your taxes and liability?    In this episode, Zacc Call and Laura Hadley discuss various business structures and their implications for your taxes and liability. They explain that most business structures are pass-through entities, except for C corporations which are subject to double taxation.  Plus they delve into sole proprietorships, part...

Have you prepared to pass on your wealth to your children? If not (and take it from us!), it can lead to serious family feuds and even legal consequences.   We don't want this to happen to you. Let's make your family's relationship stay strong.   In this episode, Zacc Call and Laura Hadley highlight practical solutions to prevent family issues caused by wealth, including open communication, fair e...

If you thought our last episode about Estate Planning was beneficial, then you're really going to find this release chock-full of insight too! Join Zacc and Laura as they dive into the advanced strategies you and your family will want to use for a financially secure future!   In this episode, estate planning guru and attorney at York Howell & Guymon, Eric Whiting discusses the various advanced est...

With the help of this episode, individuals and families can make informed decisions about their estates and ensure a well-executed wealth transfer plan that aligns with their financial goals.   This episode kicks off with an overview of estate taxes, explaining how they are applied to the transfer of assets from a deceased person to their beneficiaries.    Zacc Call and Laura Hadley highlight the...

This week, we are turning the intricacies of naming beneficiaries and transferring retirement funds into easy, actionable, steps.   In this episode, Zacc Call and Laura Hadley chat with, Kelsey Dent, Partner & Director of Financial Services at Capita Financial Network as she shares her insight around the process of naming beneficiaries, how to do so properly, and how to avoid some of the most comm...

One of the biggest misconceptions about estate planning is that a trust and a will are the same things and that if you have one, you don't need the other.   This is not true.   In this episode, Zacc Call and Laura Hadley invite estate planning attorneys Courtney and Gregory Lyle onto the podcast to discuss some of the biggest misconceptions about trusts and wills and how you can use them to best o...