Retire Early, Retire Now!

Send us Fan Mail Target Date Funds vs. Custom Investment Allocation: A Deep Dive In this episode of The Retire Early Retire Now podcast, hosted by Hunter Kelly, a certified financial planner and owner of Palm Valley Wealth Management, listeners are given an in-depth comparison between target date funds and custom investment allocations. After a two-week hiatus due to a busy review season, Kelly di...

Send us Fan Mail In this episode of The Retire Early, Retire Now Podcast , Certified Financial Planner Hunter Kelly dives deep into five powerful, proactive tax planning strategies designed specifically for high-income earners. Stop treating tax planning as a year-end scramble and start maximizing your financial efficiency all year long. Key Topics Covered: Front-Loading Retirement Contributions:...

Send us Fan Mail Navigating Pension Choices: Lump Sum vs Monthly Payment In this episode of the 'Retire Early Retire Now' podcast, host Hunter Kelly, a Certified Financial Planner (TM)  from Palm Valley Wealth Management, discusses the crucial decision for those with pensions on whether to take a lump sum or monthly payment. With pensions becoming rare, Hunter examines factors like life...

Send us Fan Mail In this episode of the Retire Early Retire Now podcast, Hunter Kelly, a certified financial planner and owner of Palm Valley Wealth Management, discusses the five essential financial benchmarks to achieve by age 50. The episode builds on last week's discussion about financial goals for age 40 and is geared towards high-income earners such as physicians and attorneys. Key area...

Send us Fan Mail In this episode of the 'Retire Early Retire Now' podcast, certified financial planner and Palm Valley Wealth Management owner Hunter Kelly discusses the financial goals high-income earners should aim to meet by age 40. He explores benchmarks such as creating and tracking a financial plan, building an emergency fund, reducing consumer debt, saving three to five times annu...

Send us Fan Mail In this episode of 'Retired Early, Retired Now,' Hunter Kelly, a certified financial planner, introduces a unique investment strategy known as direct index investing. This strategy, historically accessible only to the ultra-wealthy, is now more widely available due to advancements in technology and zero trading fees. Hunter explains how direct index investing allows for...

Send us Fan Mail How US Tariffs Could Impact Your Financial Goals | Retire Early, Retire Now The latest news on U.S. tariffs has many professionals and high-income earners asking: How will this impact my investments, retirement, and financial future? In this episode, Certified Financial Planner Hunter Kelly explains how tariffs work, their historical role in the U.S. economy, and the potential pro...

Send us Fan Mail Smart Car Buying: Financial Tips for Maximizing Wealth In this episode of Retire Early Retire Now, Hunter Kelly, a certified financial planner, discusses essential financial strategies for car purchasing. He covers how to avoid lifestyle creep and over-purchasing, setting guidelines like the 20-4-10 rule—putting 20% down, financing for under four years, and keeping total car expen...

Send us Fan Mail Hunter Kelly, a certified financial planner, delves into the top five detrimental financial decisions that can significantly hinder one's financial journey, especially for high-income earners like physicians and attorneys. He discusses the pitfalls of living beyond your means, the importance of starting to invest early, the necessity of tax planning, having a proper estate pl...

Send us Fan Mail Mastering Public Service Loan Forgiveness for Doctors In this episode of 'Retire Early, Retire Now,' host and certified financial planner Hunter Kelly dives deep into the specifics of Public Service Loan Forgiveness (PSLF) for high-income professionals such as doctors, attorneys, and other eligible professions. He discusses eligibility criteria, the types of loans that q...

Send us Fan Mail In this episode of the Retire Early Retire Now podcast, host Hunter Kelly, a Certified Financial Planner, delves into strategies to manage student loan debt for high-income earners, particularly new doctors and attorneys. He discusses the importance of understanding the landscape of student loans, including federal and private loans, interest rates, and repayment statuses. The epi...

Send us Fan Mail Can New Doctors Afford a Million Dollar Home? | Retire Early, Retire Now Podcast In this episode of the 'Retire Early, Retire Now' podcast, host Hunter Kelly of Palm Valley Wealth Management presents a case study featuring Dr. John and Janice Brown. This physician couple, earning a combined income of $625,000, wants to know if they can purchase a million-dollar home whil...

Send us Fan Mail In this episode of the Retire Early Retire Now podcast, host Hunter Kelly from Palm Valley Wealth Management dives into all things taxes to help you prepare for the 2024-2025 tax season. Learn how to organize and manage essential tax documents including W2s, 1099s, K1s, and more. Discover common income-related documents, tips for staying organized, and the importance of communicat...

Send us Fan Mail In this episode of the 'Retire Early Retire Now' podcast, host Hunter Kelly, a certified financial planner and owner of Palm Valley Wealth Management, reintroduces himself and the mission of the podcast. Aimed at simplifying financial planning for high-income earners, especially physicians and attorneys, the episode covers essential financial strategies to undertake at t...

Send us Fan Mail Tax-Efficient Charitable Giving Strategies | Retire Early & Maximize Returns In this Christmas Eve episode of the Retire Early Return Out Podcast, hosted by Hunter Kelly of Palm Valley Wealth Management, explore four tax-efficient ways to donate to your favorite charities. Learn about donor-advised funds, qualified charitable distributions (QCDs), donating appreciated assets,...

Send us Fan Mail Maximizing Tax Efficiency through Roth Conversions In this episode of the Retire Early Retire Now podcast, host Hunter Kelly, owner of Palm Valley Wealth Management, discusses the nuances of Roth conversions as an advanced tax planning tool. The episode covers the importance of timing and strategy in minimizing lifetime tax liabilities, particularly for high-income earners. Key po...

Send us Fan Mail In this episode, we welcome back Danny White for the second part of our discussion on health insurance for business owners. Due to some technical difficulties last week, we're delivering this bonus episode to you. We dive deep into strategies for offering health insurance, from pre-tax contributions to the different types of insurance plans like fully insured, level funding,...

Send us Fan Mail In this episode of the Retire Early Return Out podcast, host Hunter Kelly from Palm Valley Wealth Management delves into one of the most common financial questions: 'Should you contribute to a pre-tax or Roth 401k, or a traditional IRA versus a Roth IRA?' Hunter discusses the basics and differences between these contribution types, factors to consider when making a decis...

Send us Fan Mail 5 Essential Tax Basics for High-Income Earners In this episode of the Retire Early Retire Now Podcast, host Hunter Kelly, owner of Palm Valley Wealth Management, discusses five key tax concepts every high-income earner should understand. Hunter emphasizes the importance of knowing about marginal and progressive tax rates, capital gains taxation based on holding periods, the differ...

Send us Fan Mail In this episode of the 'Retire Early Retire Now' podcast, host Hunter Kelly from Palm Valley Wealth Management discusses strategies for closing out the year and reenergizing for 2026. With Thanksgiving and other holidays approaching, it's a good time to focus on essential aspects like gratitude, reconnecting with loved ones, and valuing experiences over material pos...

Send us Fan Mail In this episode of the 'Retire Early Retire Now' podcast, host Hunter Kelly of Palm Valley Wealth Management emphasizes that investment and portfolio management, while often perceived as the bulk of a financial advisor's duties, are actually a smaller segment. Key themes include the importance of understanding personal financial goals, cash flow, risk tolerance, tax...

Send us Fan Mail In this episode of the 'Retire Early, Retire Now' podcast, Host Hunter Kelly of Palm Valley Wealth Management converses with attorney Haley Yackey from Coleman Talley, LLP about essential aspects of estate planning. They discuss the importance and intricacies of estate planning, including creating wills, healthcare directives, and power of attorney documents. Haley elabo...

Send us Fan Mail The podcast features host Hunter Kelly, owner of Palm Valley Wealth Management, and guest Danny White from 212 Benefits. They provide an in-depth discussion on selecting the best health insurance plans during the open enrollment period using Mayo Clinic's open enrollment packet as a reference. They also explain the importance of understanding key health insurance terms like d...

Send us Fan Mail In this episode of the 'Retire Early Retire Now' podcast, host Hunter Kelly dives into advanced tax strategies for individuals and business owners, aimed at boosting wealth and financial stability. The episode covers an array of topics including the utilization of 401(k) plans, Health Savings Accounts (HSAs), and donor-advised funds, as well as strategies like tax loss h...

Send us Fan Mail In this episode of the Retire Early Retire Now podcast, host Hunter Kelly of Palm Valley Wealth Management covers fundamental aspects of the tax code. The discussion spans the progressive nature of income taxation, the roles of marginal and effective tax rates, and the additional costs of Social Security and Medicare taxes. It explains the differences in tax responsibilities betwe...