Savings and Sense

Logan Gilland and Daniel Czulno discuss the transition from Joule Financial to Bluespring Wealth and what the change means for clients. They explain how the partnership expands resources, planning expertise, and collaboration while keeping the same local team and client experience intact. The conversation also explores the role of the Federal Reserve, interest rates, and economic data, highlightin...

Allie Howard and Andy Durant take a step back from market headlines to talk about what financial planning actually looks like in real life. They share how their perspective has evolved from focusing on investments to understanding the importance of behavior, psychology, and the bigger picture that includes taxes, estate planning, and risk management. The episode highlights why there is no one size...

Logan Gilland and Katelyn Felker break down the smartest ways to save for children and how to avoid common mistakes along the way. They walk through the differences between 529 plans, custodial accounts, and flexible brokerage accounts, highlighting the tradeoffs between tax benefits and control. The conversation focuses on building a strategy that fits your family’s goals, teaching financial resp...

Allie Howard and Daniel Czulno break down one of the biggest headlines of the week with the highly anticipated SpaceX IPO and what it means for everyday investors. They explain how IPOs work, why hype and demand can drive early volatility, and the risks of chasing short term winners without a clear strategy. The conversation also connects current market themes like AI, inflation, and interest rate...

Allie Howard and Katelyn Felker break down the idea of “what is your number” and why retirement planning is about much more than hitting a dollar amount. They walk through how spending, lifestyle goals, healthcare, taxes, and income sources like Social Security all shape what retirement actually requires. The conversation highlights why two people with the same savings could have very different ou...

Logan Gilland and Allie Howard walk through the most common financial missteps they see from clients in their 20s through retirement. They cover everything from failing to build saving habits early on, to normalizing debt in your 30s, chasing returns in your 40s, missing tax strategies in your 50s, and treating retirement like a finish line instead of an ongoing plan. The conversation highlights h...

Logan Gilland and Allie Howard break down the key pieces of Medicare and what you actually need to know as you approach age 65. They walk through Parts A, B, C, and D, explain common mistakes around enrollment timing, and highlight how supplemental coverage and income based adjustments can impact your costs. The conversation focuses on simplifying a complex system and helping listeners make inform...

Allie Howard and Kaitlyn Felker walk through one of the most important starting points in any financial plan: building and maintaining an emergency fund. They explain why liquidity matters even when markets are performing well, how to think about three to six months of expenses, and why having accessible cash can prevent costly financial decisions. The episode highlights how small planning habits...

Logan Gilland and Allie Howard discuss another volatile week in the markets, including the impact of rising oil prices, Iran tensions, consumer sentiment data, jobs reports, and what the Fed may do next with interest rates. Then they dive into one of the most important retirement planning decisions: investment allocation. They break down how advisors determine the right mix of stocks and bonds, wh...

Logan Gilland and Katelyn Felker break down another busy week in the markets, including Magnificent Seven earnings, AI competition heating up, interest rate developments from the Fed, and ongoing oil market tensions. Then they shift into one of the most important financial planning basics: estate planning. From wills and powers of attorney to beneficiary designations and trusts, they explain the k...

Logan Gilland and Andy Durant continue the Back to the Basics series by breaking down how retirees turn accumulated savings into sustainable income. They walk through common distribution strategies, explain the differences between brokerage accounts, traditional retirement accounts, and Roth accounts, and highlight why flexibility and tax planning matter most in the early years of retirement. The...

Logan Gilland and Allie Howard continue their Back to the Basics series by walking through key Social Security planning considerations for those approaching or already in retirement. They cover when to file, how longevity affects claiming decisions, how taxes and continued work can impact benefits, and why spousal strategies matter. The discussion emphasizes using Social Security as part of a broa...

Logan Gilland and Allie Howard return to the core purpose of financial planning and walk through what it really means to plan through retirement, not just to it. They break down foundational concepts including risk tolerance, using money as a tool rather than a scoreboard, and why retirement planning should be driven by goals and lifestyle design instead of account balances. The conversation empha...

Allie Howard and Katelyn Felker focus on one of the most important planning principles investors often overlook: aligning money with the right time horizon. They explain why goals within five years should not be exposed to market volatility, how liquidity provides flexibility and peace of mind, and why disciplined diversification supports long term success. The episode highlights how clearly defin...

Logan Gilland and Katelyn Felker focus on one of the most influential pieces of a successful retirement plan: understanding and managing expenses. They explain why monthly spending often has a greater impact on long term outcomes than market performance, how small changes compound over time, and why clarity around cash flow brings confidence during retirement. The conversation also covers the psyc...

Allie Howard and Daniel Czulno focus on the importance of having a well built financial plan that can hold up through uncertainty and change. Rather than reacting to short term swings, they discuss how perspective, diversification, and stress testing help investors stay aligned with long term goals. Using relatable analogies, the conversation highlights why preparation, discipline, and intentional...

Logan Gilland and Allie Howard walk through how disciplined financial planning helps investors stay grounded during periods of volatility. While they touch briefly on rising oil prices, geopolitical tension, and shifting economic data, the focus remains on what individuals can control, including portfolio allocation, risk management, and long term decision making. The episode closes with a practic...

Logan Gilland and Allie Howard focus on how disciplined planning can guide you through a chaotic stretch in the markets. While the episode covers the Iran conflict, sharp swings in oil prices, and mixed economic data, the real message centers on staying grounded in long term goals, maintaining the right allocation, and understanding what you can control in your own financial life. They close with...

Logan Gilland and Allie Howard shift the conversation toward what matters most: building and sticking to a clear financial plan. They touch briefly on a busy week of headlines but highlight why long term allocation decisions, risk management, and disciplined strategy outweigh daily market swings. The episode closes with practical guidance on saving for children, comparing 529 plans, custodial acco...

Logan Gilland and Katelyn Felker discuss smart planning opportunities to consider during tax season, including last-minute IRA and HSA contributions, how to evaluate refunds versus amounts owed, and more strategic approaches to charitable giving with tools like donor-advised funds. They also briefly touch on recent market headlines, including geopolitical tensions affecting oil prices and mixed ec...

Logan Gilland and Michele Daniher discuss the growing trend of parents financially supporting their adult children and how to plan for it without compromising long-term goals. They explore why this support is becoming more common, the real costs families are facing, and practical strategies for setting boundaries, communicating expectations, and building flexibility into a financial plan.

Logan and Kaylie break down a week of sharp market rotation, from tech weakness after Google earnings to renewed strength in classic consumer staples. They then dive into Kaylie’s three‑step framework for helping listeners define goals, understand how money supports them, and take meaningful first steps toward financial confidence.

Logan and Vinson break down a busy week in markets, from the sharp split between Microsoft and Meta earnings to reactions to Federal Reserve news and the nomination of Kevin Warsh. They then shift into Vinson’s mortgage expertise, covering refinancing, recasting, and smart borrowing tips for today’s housing environment.

Logan and Andy discuss something that many retirees go through that doesn't get brought up often enough: Required Minimum Distributions (RMDs). Once you reach a certain age, you're required to pull from retirement accounts which forces you to pay taxes on those dollars. In this episode, we discuss strategies that focus on paying less long-term.

Logan and Allie focus on why debt is becoming a bigger problem for a lot of people and lay out a simple path to fix it by building margin in your budget, cutting expenses or boosting income, and using a strategy like the debt snowball to start gaining momentum.