Fly On The Wall Finance

Tax season may be over, but the best tax planning actually starts now. In this episode, the team at Iron Horse Financial and Simmons and Simmons tax and accounting discuss the key financial and tax moves individuals and retirees should consider immediately after filing their return to potentially reduce taxes next year. We break down proactive strategies involving retirement accounts, Roth convers...

In this episode of Fly on the Wall Finance, Jaime Malm sits down with Gradient Investments Senior Portfolio Manager Keith Gangl, CFA to break down the forces shaping today’s investment environment. They discuss the recent Supreme Court ruling on tariffs and what it could mean for global trade, inflation, and U.S. markets. Keith also shares his perspective on the role of gold and silver in today’s...

Most people discover too late that the government has its own plan for their retirement savings. And their kids pay the price. In this episode we discuss how to turn tax surprises into tax smart strategy so you keep control of what you earned and preserve the impact you want to make. Tune in and learn how to protect your family from costly mistakes.

Big changes are coming for IRAs, 401k plans, HSAs and Social Security in 2026. In this episode, we talk through what is changing, who will be affected and how to prepare so your retirement stays on track. We help break it all down with practical questions and real life examples. A timely and actionable episode for anyone who wants to stay ahead of the curve.

Headlines about fraud and bankruptcies among sub prime lenders have stirred flashbacks to the 2008 housing crisis, but are we really in a similar situation? In this episode, we discuss why a quote about cockroaches has stirred headlines and is causing concerns for everyday investors.

In this episode, we discuss the real-life habits, mindsets, and strategies the wealthy use to build and protect their fortunes , and how you can apply them to your own financial life. From how they think about debt and risk to the way they invest, save, and plan for the future, these are the lessons that separate those who simply earn money from those who build lasting wealth. Whether you’re just...

Gold prices have soared over 60% this year, sparking talk of “dollar debasement” and fears of a weakening economy. But what does that really mean for everyday investors and retirees? We break down the buzz around gold, explain why people rush to it when the dollar dips, and share how long-term investors can protect purchasing power without chasing headlines.

The five years before and after retirement are the most critical for protecting your wealth. In this episode, we break down why this 10-year window can make or break your financial future , plus the key strategies to preserve your nest egg, avoid costly mistakes, and create reliable income that lasts a lifetime.

Government shutdowns, rate cuts, and nonstop headlines…what does it all mean for your money? In this episode, Jaime explains why markets often take Washington drama in stride and what adjustments you may or may not need to make in your portfolio.

In this episode, we dive into the powerful results that happen when a financial advisory firm and an accounting firm join forces. We introduce our strategic partner, Simmons and Simmons and discuss the most overlooked tax deductions, proactive tax planning and real examples of how to avoid costly mistakes and make smarter financial decisions.

In this episode, we cover the foundational items every parent and student should know about offsetting the costs of college, plus savings vehicles like 529 plans, Coverdells ESA’s and custodial accounts. We dive into scholarships, grants, FAFSA timelines and how to balance budgeting for college with your own retirement goals.

Having the financial freedom to retire is something we all desire, but where do you start? How will you know when you have enough money to retire? How do you ensure it will last as long as you do? In this episode we discuss the recommended steps to determining how much you will need to fill the income gap in retirement and options to ensure income is guaranteed, not subject to market fluctuations...

We are discussing why taxes in retirement may not be as predictable or as low as you expect, plus how changes in Medicare’s IRMAA surcharges can be controlled. Most importantly, we will share strategies to help protect your saving from legislative risk and taxes.

In this episode we discuss what’s changed with inherited IRAs, the biggest mistakes to avoid, and strategies for keeping as much as possible for yourself or your loved ones.

In this episode Jaime talks about real estate and how it can fit into your financial plan. From rentals to house flipping to Airbnbs, this is a jam-packed episode.

Join us for this episode to discuss the highlights of this bill and how it may impact your finances.

In this episode, we break down powerful retirement and tax planning strategies tailored specifically for small business owners, farmers, and ranchers. From SEP IRAs to Solo 401(k)s, discover which savings vehicles might be right for your unique situation. We’ll also explore key estate planning mistakes to avoid—especially for those with land, equipment, or family-run businesses. Whether you run a...

If you have acquired a hodge podge of investments- maybe a 401k, plus a stock and mutual fund here and there, you likely have individual investments that may have made sense at the time of purchase, but do you know how they are collectively working together toward your bigger goals? If you aren’t sure how all the components of your plan work together, join us for this episode and find out how to b...

Navigating the complexities of Social Security can feel overwhelming, but this episode simplifies it all. We'll break down common misconceptions and offer clear strategies for optimizing your benefits, whether you're years away from retirement or already claiming. Tune in to ensure you're making the most of this vital financial pillar.

In this episode, we break down the fast changing world of NIL deals with a focus on avoiding predatory contracts, navigating taxes, protecting against litigation and building long term wealth. This is vital info every athlete and parent needs to hear before the first deal is signed.

We discuss the 4 things we recommend everyone do to not just pass on wealth, but create family unity and avoid the most common mistakes made when attempting to create a legacy for our loved ones.

Big Changes with Tariff Pauses have Created a Major Reset.

Women face a unique set of financial challenges, especially when it comes to retirement. So today, we’re going to break that down—why women’s retirement needs are different, what steps they can take to plan better, and how to protect a surviving spouse financially.

This episode is all about 401(k)s—specifically, the common mistakes we see people make with them all the time. We’re breaking down eight big ones, and even if you only catch one that applies to you, it could save you thousands—or even tens of thousands—over the long run.

Annuities are one of the most misunderstood financial tools, but can play an important part of your financial plan…IF you know what to look for, what to avoid and how they work. In this episode, we are sharing the top 3 reasons why someone would use an annuity, the pros and cons and what to avoid if you are considering one.