Last Paycheck

This episode on YouTube: https://youtu.be/CsfudwsWhjw   Get ready to learn some fun facts about the stock market. In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton discuss some potentially surprising facts about the stock market that they are pretty sure you don't yet know. Sourced from Goldman Sachs Investment Research, they share some of the long-term p...

This episode on YouTube: https://youtu.be/WLjrMk2gBE4   Who can you trust when it comes to financial planning?  In this episode of The Last Paycheck, CFP Professionals Archie and Rob Hoxton bring some stories from their own experiences as financial planners over the years. This episode features two powerful narratives: one, a cautionary tale about the dangers of taking amateur investment advice, a...

This episode on YouTube: https://youtu.be/5lQSlOODtPU   Can you save too much money? Archie and Rob say yeah, probably. In this episode of the Last Paycheck Podcast, CFP Professionals Archie and Rob Hoxton discuss the concept of making your money truly meaningful. Drawing from their personal and professional experience, they explore why simply accumulating wealth isn't always fulfilling and how al...

Do you even need a financial advisor? If yes, how do you know when to start looking for one? In this episode of the Last Paycheck Podcast, CFP Professional Archie Hoxton and financial advisor Jimmy Such dive deep into the signs that you might be ready to work with a financial advisor. Your financial needs will evolve, and today Archie and Jimmy discuss some of the more complex times in your life t...

Do really tiny choices today really affect your finances in a big way in the future? The answer is yes. Really, it's the butterfly effect, but for your finances. In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dive deep into the far-reaching impact of financial decisions, both big and small, on your long-term wealth and lifestyle. They will discuss the...

This episode on YouTube: https://youtu.be/mI2Sl2gImcw   In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive deep into the topic of investment risk and why understanding your true risk tolerance is essential for long-term financial success. They break down the difference between how much risk you think you're comfortable with and how much you may actual...

This episode on YouTube: https://youtu.be/4bmL8UyANUU   Have you ever just finished watching a reel/short/tiktok where a finance bro is trying to convince you you shouldn't ever just own your home? Well, Rob and Archie have, and today we are discussing two of those. This type of content is alive and well online, and tends to attract a lot of followers due to the punchy, controversial takes, and co...

Does your financial planner also have to be a fiduciary?  In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and financial advisor Jimmy Such break down one of the most important topics in personal finance: finding a fiduciary financial advisor. They start by defining it, and then explaining why working with someone held to a fiduciary standard matters for your long-term...

Did you revenge spend during the COVID pandemic and now you're revenge saving? Revenge saving isn't necessarily that much healthier for your finances. Today, we chat about it.  CFP Professionals Archie Hoxton and Rob Hoxton dive into the ideas of "revenge spending" and "revenge saving"—two financial behaviors that surged in popularity after COVID-19 lockdowns.  They explore how these emotional swi...

When do you start spending in retirement? And more importantly, how do you even begin? Many retirees face an unexpected challenge: shifting from being a meticulous saver to being a confident spender. On today's episode, CFP Professionals Rob Hoxton and Archie Hoxton discuss exactly how they can help you do just that. They explore why making the transition can feel so daunting, discussing habits fo...

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton break down the latest updates on Social Security's cost-of-living adjustment (COLA) and what it means for retirees.  They explore how the COLA is calculated, why the numbers might surprise you, and how rising Medicare premiums and taxes can take a big bite out of those increases. Additionally, there could...

Doesn't it always seem people move when they retire? It's not required, but it can be quite beneficial.  In this episode of the Last Paycheck, CFP Professionals Rob Hoxton and Archie Hoxton explore what role your choice of state plays in shaping your retirement lifestyle. (This episode is about retiring in the USA, if you need an episode about retiring internationally, leave a comment below).   Wi...

In this episode of The Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton tackle a major financial problem: forgotten 401(k) accounts. 🚨 💡 Did you know there are over 32 million lost 401(k)s worth nearly $2 trillion in unclaimed retirement savings? Rob and Archie explain why so many people leave old accounts behind, the hidden costs of doing nothing, and how you can track them...

As the year winds down, CFP Professionals Rob Hoxton and Archie Hoxton share essential year-end tax planning strategies to help you finish strong financially. 💰 In this episode of The Last Paycheck Podcast, Rob and Archie break down everything you need to know before December 31: - Required Minimum Distributions (RMDs) - Roth Conversions & Retirement Contributions - Capital Gains & Loss Harvestin...

CFP Professional Archie Hoxton and financial advisor Jimmy Sutch dive into the strategy of "giving while living"—sharing your wealth with loved ones or charities during your lifetime instead of waiting until after you've passed. They break down:  ✅ The emotional fulfillment of seeing your generosity impact children, grandchildren, and causes you care about.  ✅ How giving early can reduce family...

Don't miss their free Investment Alignment Worksheet to help you take the next step - https://hoxtonpm.com/worksheets/investment-alignment-worksheet/   CFP Professionals Rob and Archie Hoxton break down the fundamentals of building a strong investment portfolio. From stocks and bonds to money markets, and even a quick look at real estate, they explain the building blocks every investor should unde...

In this episode of The Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton unpack the realities of bear markets and how your response should shift depending on your stage of life. Whether you're just starting your career, halfway to retirement, or already enjoying your golden years, Rob and Archie break down: - How market downturns affect your investments and financial plan - Why younge...

Should you downsize in retirement?  In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dive into the ins and outs of downsizing as part of your retirement strategy. With many retirees considering smaller homes or moving closer to family, this episode tackles the financial and emotional aspects of making such a significant life change.  Rob and Archie break...

In this week's episode of Last Paycheck Podcast, CFP Professional Rob Hoxton and Financial Advisor Jimmy Sutch dive into the essentials of estate planning—a topic that can feel overwhelming, but is crucial for everyone, not just the wealthy.  Rob and Jimmy break down the three key documents you need:  - a will - a healthcare directive  - a power of attorney They explain why simply having these doc...

This week on the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dig into a big question: Should Your Political Views Influence Your Investment Decisions? They break down how emotions and political beliefs can cloud judgment, why short-term political events often create more noise than impact, and what really drives long-term market performance. Rob and Archie explain why eco...

Are financial "rules of thumb" the key to building wealth—or could they actually steer you off course? In this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dig into some of the most popular money guidelines: - Save 10% of your income - The 4% retirement withdrawal rule - The 80% replacement rule for retirement income Rob and Archie explain where these financial sho...

The landmark "One Big Beautiful Bill" continues to shake up the financial world — and in this part 2, we continue the conversation. Join CFP Professional Archie Hoxton and Financial Advisor Emily Leslie on the Last Paycheck Podcast as they explore the latest wave of tax law changes and what they mean for your money — especially if you're planning for retirement or already living it. 🔍 What's insi...

The "One Big Beautiful Bill" is here — but what does it actually mean for your money?  In this episode of Last Paycheck Podcast, CFP Professional Archie Hoxton and Financial Advisor Emily Leslie break down the biggest financial legislation shakeup in years — and yes, it's only the tip of the iceberg!  They cover:  💥 Making the 2017 Tax Cuts and Jobs Act permanent  💥 A massive boost to the Child...

Certified Financial Planners Archie Hoxton and Rob Hoxton dive deep into a top concern for retirees and conservative investors: How can you grow your money in the stock market, without exposing yourself to major losses? In this episode, Rob and Archie cover: 🔹 What Buffer ETFs are, how they work, and why their gain caps and one-year cycles matter 🔹 How Fixed Index Annuities can offer downside pr...

Are you thinking of taking a sabbatical or carreer break? CFP Professionals Rob and Archie Hoxton walk through what that looks like in this week's episode of Last Paycheck. Whether you're contemplating a mid-career break for personal growth, burnout recovery, further education, or a major life pivot, Rob and Archie dive into the crucial planning considerations you need to address. They discuss the...