Kowal Investment Group - Now Creative Planning

Jeff Kowal discusses converting wealth into a lifestyle that will last a lifetime, shares insights on the opportunities consolidating can create, gives considerations for saving in your 50s, and examines healthcare costs in retirement.

Aaron Spitzner and Joe Still discuss concerns surrounding social security, touch on mistakes made with Roth IRAs, highlight ways you can lower your taxes on your RMDs, and share why it is important to have a plan for what you are going to do in retirement.

Jeff Kowal and Marie McFarland discuss the importance of having a plan to crack your nest egg, touch on unpredictable aspects of retirement, examine key changes in the SECURE 2.0 Act, and share insights on securing your digital life.

Aaron Kowal and guest Ray Moulis of Fiduciary Partners Trust Company touch on concerns around computer program generating wills and trusts, discuss why you need professional administration of your estate, share insights to avoid potential disputes, and examine estate tax exemptions.

Jeff Kowal discusses how the Kowal streamlined retirement planning process helps you prepare for retirement, shares insights on IRS tax rule changes as you age, examines pension plan lump sum payouts, and gives tips for keeping family wealth in the family.

Aaron Kowal and guest Joe Braier of Lake Country Advisors give advice for business owners and those hoping to own a business by diving into how to prepare to sell your company, sharing insights on business interest rates, and discussing business value drivers.

Aaron Spitzner and Chaunsy Weisensel share insights regarding FDIC coverage and SPIC coverage, examine the confidence level of retirees in retirement, and discuss things to consider as you prepare to pass an inheritance to your children.

John White and Mike Smith of CPS Horizon the crucial role life insurance plays in a financial plan, share insights regarding long-term care insurance, and discuss planning for the end of the Tax Cuts and Jobs Act as it relates to estate planning.

Aaron Spitzner gives an update on the stock market, shares insights regarding social security income planning, identifies financial fraud red flags, and discusses converting your 529 plan.

Chaunsy Weisensel and Marie McFarland discuss four key components of retirement income planning, share insights on planning for life expectancy, examine retirement budget vs expenses, and what to do if you name a minor as the beneficiary of your IRA.

Aaron Kowal and guest Kelly Brown discuss the failure of Silicon Valley Bank, explain the details of FDIC bank deposit coverage, share insight into commercial banking, and examine the state of the banking industry in current economic conditions.

Jeff Kowal and Karyl Richson discuss updates for Social Security, answer listener questions, examine the characteristics of spousal benefits, explain the impact of temporarily suspending benefits, and share insight into the future of Social Security.

John White discusses banks in the current economic environment, explains which types of accounts should be included in a trust, and is joined by Jeff Kowal to examine a potential increase in the Social Security retirement age and the impact of inflation on retirement.

Aaron Kowal and guest Chris Berens from Horicon Bank discuss the role of a corporate trustee in an estate plan, review buy-sell agreements, explain the importance of a power of attorney document, and examine various trust planning scenarios.

Jeff Kowal and John White discuss how volatile market conditions can impact the 4% rule for withdrawals in retirement, explain a new feature of 529 plans under the SECURE 2.0 Act legislation, and examine the characteristics of Special Needs Trusts.

Marie McFarland discusses women’s financial health and involvement in the financial planning process, sheds light on women in finance, examines retirement income and tax implications, and emphasizes communication in estate planning.

Chaunsy Weisensel discusses the top 10 US states to retire in, and is joined by Jeff Kowal to examine ways to save on your tax bill for next year and to shed light on common estate planning mistakes.

Jeff Kowal and Chaunsy Weisensel discuss do’s and don’ts to follow regarding your retirement in times of uncertainty, examine planning for longevity, walk through ways to prepare for a recession in retirement, and explain the possibility of a wealth tax.

Aaron Spitzner discusses the best states to retire to in the US, explains what you can do if you have a forgotten 401(k) account, shares insight into 401(k) savings checkpoints, and is joined by Jeff Kowal to examine taking required minimum distributions in a bear market.

Jeff Kowal discusses how to take an early withdrawal from an IRA, shares insight into saving outside of retirement accounts, examines four financial choices you can make if you don’t need your RMD, and is joined by Marie McFarland to explain the four percent rule for drawing from your retirement savings.

Aaron Kowal and Mike Senkbeil of Chortek discuss the role cybersecurity plays in your financial life, share insight into business software security features, examine FTX and the cryptocurrency market, and emphasize protecting your wealth with umbrella liability insurance.

Joe Still and Ray Arndt discuss the SECURE Act 2.0 legislation, touch on changes with required minimum distributions, examine new Roth features in employer-sponsored retirement plans, and share insight into expanding qualified charitable distributions.

Jeff Kowal discusses the performance of the stock market last year, explains the net unrealized appreciation of company stock, and is joined by Marie McFarland to examine the effects of rising costs on retirees.

Joe Still and Aaron Spitzner discuss continuing care retirement communities, examine New Year’s resolutions regarding your financial life, and share insight into what to ask when interviewing a financial advisor.

Jeff Kowal discusses financial tasks to complete before the end of the year, explains how to engage in tax-loss harvesting, shares insight into RMD planning, and is joined by Aaron Spitzner to examine financial considerations for retirees going back to work part-time.