Kowal Investment Group - Now Creative Planning

Jeff Kowal and Joe Still discuss the benefits of starting your financial plan early, examine when people retire, walk through health care coverage for those retiring before Medicare age, and share insight into what to do after receiving a financial windfall.

Aaron Kowal and Brian MacGillis of MacGillis Insurance discuss the role of insurance in your financial plan, examine current trends in the insurance industry, share insight into wintertime insurance concerns for your business, and explain four considerations in creating a pre-litigation plan.

Chaunsy Weisensel and John White examine tax changes for the upcoming year, share insight into money moves you’ll be thankful you made, and discuss the basics of forming an estate plan.

Marie McFarland and Chaunsy Weisensel explain an IRS rule change regarding inherited IRAs, discuss how fear and emotion can affect your financial decisions, touch on estate planning considerations for high-net-worth individuals, and share three year-end financial tasks to complete.

Aaron Kowal and Mark Andringa of CMH Law discuss making financial decisions before facing the cognitive decline that comes with age, emphasize succession planning for business owners, and share insight into irrevocable life insurance trusts as an option to reduce estate tax consequences.

Jeff Kowal and Mark Maynard of Senior Benefit Solutions examine options to consider when planning for Medicare, discuss the difference between Medicare Advantage plans and Medicare Supplement plans, address custodial care and Medicare coverage, and explain an updated IRS ruling.

Aaron Spitzner and Marie McFarland discuss proposed retirement legislation, explain tax consequences of 529 plans, share insight into common IRA errors, and examine annuity investments for high-net-worth individuals.

Joe Still discusses what to do and what not to do with your financial plan in a bear market, examines the characteristics of I bonds, and walks through how to give charitably by investing in donor-advised funds.

John White and guest Mike Smith of CPS Horizon discuss the importance of having a plan for potential long-term care needs, emphasize estate planning for your business, share insight into life insurance considerations, and explain a tax law change that will impact estate planning.

Aaron Kowal and guest Matthias Bollmus of Heya Consulting discuss business owners and the significance of understanding people and business; examine employee retention, turnover, and engagement; and share insight into simplifying and clarifying your financial life as you age.

Jeff Kowal discusses current economic and market conditions, walks through options for adjusting your financial plan, examines portfolio considerations for the end of the year, and shares insight into communication in the estate planning process.

Aaron Spitzner and John White examine proposed legislation impacting retirement plans, share an exercise to help estimate your retirement needs, discuss Roth conversions, and touch on the increasing number of IRS audits.

Marie McFarland examines taking a lump sum payout versus the annuity option in a pension plan, shares instances of real-life mistakes that led to tax penalties, and Jeff Kowal gives insight into the expertise a financial advisor can provide.

Jeff Kowal gives an update on the economy and stock market, discusses reasons you may want to consider a Roth conversion before the end of the year, touches on social security news, and reviews what can be done to accounts after death.

Joe Still and Chaunsy Weisensel give an update on the stock market, discuss the most common question clients are asking right now, review the history of bear and bull markets, share insights regarding Roth conversions, and touch on steps for proper estate planning.

Jeff Kowal discusses the tax hikes from the recently passed budget bill, shares insights into early withdrawals from your IRA, answers caller questions, and reviews the responsibilities of an estate executor.

Aaron Kowal and Brian MacGillis discuss the impact of inflation on the insurance industry, examine insurance considerations for business owners, share insights into individual insurance needs, and explain a process for wealth planning.

Aaron Spitzner and Chaunsy Weisensel give an update on the stock market, discuss the effect of interest rates on lump sum pensions, explain the characteristics of I Bonds, and examine taking a tax deduction for charitable donations.

Jeff Kowal and Marie McFarland discuss tax considerations in retirement, answer listener questions, examine taking a pension as a lump sum or an annuity, and share insights into the guilt associated with inheriting wealth.

Jeff Kowal and Chaunsy Weisensel share insights into whether investors should be making big changes to their financial plan, provide business owners with steps for developing a continuity plan, examine Qualified Charitable Distributions, and discuss inheritance considerations.

Aaron Kowal and guest Mike Smith of CPS Horizon review the SECURE Act, share insights into a business’s buy-sell agreement, consider new developments in the insurance industry, and discuss the comprehensive nature of wealth planning.

Jeff Kowal and guest Karyl Richson discuss the future of Social Security, answer caller questions, explain the IRMAA penalty on Medicare premiums, and share insights on when to take Social Security and Medicare.

Jeff Kowal spoke with WISN radio host Jay Weber about retirement planning in the current economy and stock market. They discussed reasons to stay invested and refrain from timing the market, the timetable of a typical market recovery, whether or not to invest cash positions, rebalancing in the portfolio, and the condition of the economy.

Marie McFarland and Chaunsy Weisensel give a quiz on retirement accounts and Social Security, answer caller questions on agency bonds and Roth accounts, discuss living in retirement, and touch on tax planning.

Aaron Kowal and Joe Braier, President of Lake Country Advisors, discuss the market for buying and selling businesses, explain the process of selling a business, touch on charitable planning, and share insights on aspects of a business that can impact its value.