Kowal Investment Group - Now Creative Planning

Aaron Kowal and guest Rhett Holland of Holland Law discuss the estate planning process, share insights for family business owners with children in the business and not in the business, and touch on protecting your assets from unwanted recipients.

Jeff Kowal and Aaron Kowal discuss making wealth management decisions as a couple, examine asset protection planning mistakes, and share problems inheritors face after a wealth transfer.

Jeff Kowal discusses myths about money in retirement, Aaron Spitzner shares financial scams to be aware of, Jeff touches on problems with do it yourself planning, examines utilizing net unrealized appreciation, and discusses who would decline an inheritance and why.

Jeff Kowal discusses the wealth tax and what the Biden administration is wanting to implement, touches on how you can determine whether you can spend more or not, shares insights regarding blended families and blended finances, and examines penalties around violations of IRA rollover rules.

Aaron Kowal shares year-end tax planning ideas to help reduce taxes, discusses effective year-end tax planning ideas for business owners, examines in-retirement money mistakes and how you can avoid them, and touches on donor-advised funds.

Aaron Spitzner and Joe Still discuss ways you can help your grandchildren in retirement, share insights regarding Health Savings Accounts and Flexible Savings Accounts, and examine the need for disability insurance.

Jeff Kowal and Marie McFarland discuss year-end tax planning items to consider, share thoughts on how you know when to retire, and navigate potentially risky money moves in retirement.

Jeff Kowal and Joe Still discuss the process of transitioning into retirement, share year-end tax saving opportunities, touch on rule changes coming in 2024, and examine considerations regarding passing money onto your heirs before or after you pass away.

Aaron Kowal and guest Chris Berens of Horicon Bank discuss how you can keep family wealth in the family, examine working with a third-party trustee to ensure your wishes are carried out, and share insights for why a family business owner should work with a corporate trustee.

Aaron Spitzner and John White discuss the three enemies of investing and one friend, share thoughts on choosing to live on a cruise ship in retirement, and examine stock dumping for year-end tax planning.

Jeff Kowal and guest Mark Maynard of Senior Benefit Solutions discuss what Medicare is and who it is for, examine the different Medicare plans and coverage, highlight the importance of proper planning, and share insights for reducing your Medicare premiums.

Jeff Kowal and Marie McFarland share a pre-retirement checklist for all ages, discuss rules around inherited IRAs and options for beneficiaries, and review estate planning ideas if the Tax Cuts and Jobs Act ends.

John White and Chaunsy Weisensel apply the Monte Carlo Analysis to investing and rate of returns, discuss common questions clients are asking about retirement, and share estate planning mistakes to avoid.

Jeff Kowal addresses concerns for retirees amid the looming government shutdown, discusses how Americans are feeling about their financial security, shares insights on after-tax retirement accounts, and reviews tax breaks and benefits of Qualified Charitable Distributions.

Aaron Spitzner and Chaunsy Weisensel discuss investor behavior and returns, review strategies for minimizing your taxes in retirement, and share insights for investors who are making interest income on bonds and CDs.

Aaron Kowal and guest Brian MacGillis of MacGillis Insurance discuss changes we are seeing in insurance rates, what is causing rate increases, understanding your insurance coverage, reviewing various types of insurance, and touching on insurance needs for high-value homes.

Jeff Kowal celebrates 22 years of The Retirement Clinic, discusses how articles on 401k hardship and 401k millionaires can both be true, examines tricky tax questions for IRA owners, and shares insights into taking advantage of Trump’s tax cuts before they expire.

Aaron Kowal and guest Mark Andringa of Cramer Multhauf Attorneys discuss why everyone should have an estate plan, examine the various components of an estate plan, share insights regarding succession planning for a family business, and touch on how an estate plan can protect your minor and/or adult children.

Chaunsy Weisensel and Marie McFarland share the 4 barriers to breakdown for a successful retirement, discuss the averages of how we stack up when it comes to retirement, touch on how retirees spend their day, and answer the question of if you can afford to never work again.

Jeff Kowal and Aaron Spitzner discuss expenses in retirement, explain the go-go, slow-go, and no-go years of retirement, touch on Required Minimum Distribution rules, and share insights to a key tax deduction Congress has ended.

Joe Still and Chaunsy Weisensel examine if $1 million is enough to retire, discuss how to know when it’s time to fire your financial advisor, and share things you should consider before passing an inheritance to your children or grandchildren.

Aaron Kowal and Mike Senkbeil of Chortek discuss cybersecurity threats to individuals and businesses, examine how to use technology safely, and share insights for how to protect yourself, your money, and your business from cybercriminals.

Joe Still and John White discuss the 3 Ps of creating a happy retirement, share insights on when to take social security and the questions you need to answer, and examine a high-earner tax break that Congress may be ending.

Marie McFarland and John White discuss strategies for withdrawing from your retirement accounts, share insights regarding diversifying your portfolio with both US and international stocks, and examine family wealth dynamics and legacy planning.

Jeff Kowal discusses navigating the ins and outs of retirement planning, examines IRA mistakes to avoid, gives insights on Roth conversions, and shares thoughts on leaving and inheritance or giving to your kids now.