Estate planning doesn’t have to be scary or expensive to be effective. Greg sits down with attorney Tyler Gluth to demystify the essentials—what really belongs in a basic plan, how to keep your loved ones out of court, and why beneficiary designations can quietly override everything you wrote in your will. We get real about the documents every adult should have, the pitfalls that create family rifts, and the simple steps that turn confusion into clarity.

We start with the foundation: a will or a revocable living trust, plus two powers of attorney that spring into effect if you’re incapacitated. Tyler explains how financial and healthcare POAs protect your bills, benefits, and medical choices without resorting to costly guardianships. From there, we dig into titling and beneficiaries—how IRAs, life insurance, and joint property pass outside probate—and why updating those forms may be the highest‑ROI move in your entire plan.

For listeners juggling blended families or homes in multiple states, we explore trusts as a practical “hub” that keeps assets organized and avoids duplicate probates. You’ll hear the tradeoffs between naming a relative as executor versus hiring a corporate fiduciary, including typical fee structures, the value of neutrality, and the moments when paying a professional prevents years of conflict. Along the way, we cover specific bequests the right way, the true drivers of probate costs, and the hard lessons of intestacy when the state’s default rules decide for you.

If you’ve been putting this off, this conversation gives you a clear path: make a plan, work the plan, and keep it current. Subscribe for more practical money guidance, share this with someone who needs a nudge, and leave a review to tell us what step you’re taking this week.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may suit you, consult the appropriate qualified professional before deciding.

Housing decisions aren’t made on interest rates alone. Greg invited Valparaiso broker-owner Matt Evans to break down the real levers behind today’s market: monthly costs that hide in plain sight, the changing shape of local supply, and the life events that won’t wait for a perfect APR. From the practical “date the rate, marry the home” mindset to the math behind taxes, HOAs, and insurance, we map the budget items that determine whether a home truly fits.

We explore why new construction has become pricier—due to land, labor, and materials—and how local efforts are expanding the availability of attainable housing to rebuild equity for first-time buyers. Matt shares where inventory is tight, why luxury lots matter to a balanced ecosystem, and how updates to zoning and comprehensive plans guide future growth. We also look at the powerful pull from Illinois: better South Shore Rail service, transit-oriented development, and the Valpo Dash keep Chicago within reach while preserving Northwest Indiana’s pace and value.

For investors, we compare hands-on strategies with hands-off options. REITs offer diversified exposure and potential dividends, while local rentals benefit from sound structures such as LLCs. Flipping hasn’t vanished, but slimmer spreads and higher rehab costs mean only true value-add projects pencil out—cosmetic flips are rarely enough. Along the way, we underline the costs that most often surprise buyers and second-home owners, including rising insurance premiums and HOA assessments that can double or triple over time.

Ready to make more innovative moves with precise numbers and realistic expectations? Tap play, subscribe to new episodes, and share this conversation with someone weighing their next step. Your feedback helps us bring more grounded, valuable insights to your feed—leave a quick review and tell us what topic we should tackle next.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may suit you, consult the appropriate qualified professional before deciding.

Hiring shouldn’t feel like juggling chainsaws, and payroll shouldn’t require a spreadsheet rodeo. In today's episode, Greg Farrall, CEO and Owner of an independent wealth management firm, Farrall Wealth, sat down with HR consultant Mike Ramian from Paylocity to show how small and mid-sized businesses can streamline the entire employee lifecycle, save real money, and sleep better at night.

From recruiting to retirement, we connect the dots on what to centralize, automate, and cut so your team can focus on the work that grows the business. We dig into the high cost of noncompliance and why the rules shift by state and headcount. Mike explains how Illinois biometric consent differs from Indiana requirements and how missing a step can lead to fines and lawsuits. Then we move to the practical upside of modern HRIS platforms: automated compliance checkpoints, cleaner onboarding, and faster time-to-productivity. With AI built into the workflow, HR leaders can generate sharper job descriptions, screen candidates more effectively, and fill roles sooner—often cutting 25 to 50 percent off the time spent in early hiring stages.

Retirement plans get a refresh, too. Instead of clunky census pulls and back-and-forth emails, open APIs enable 180- and 360-degree integrations, so demographic changes, eligibility, and deductions sync without manual re-entry. That matters for plan sponsors, advisors, and TPAs who need accurate, real-time data. Mike shares a standout case study: a nonprofit reduced software sprawl and reclaimed up to $100,000 annually by consolidating tools and tightening integrations. The result was fewer licenses, fewer errors, and a smoother payroll process that actually pays people on time.

If your HR stack feels bloated or brittle, this conversation offers a blueprint for change: map your tools, measure the manual handoffs, and unify where it counts. Subscribe, share with a business owner who needs it, and leave a review to tell us which HR headache you want solved next.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may suit you, consult the appropriate qualified professional before deciding.