In this episode of the Resilient Investors podcast, the team welcomes author Carl Richards to discuss his latest book, "Your Money: Reimagining Wealth in 101 Simple Sketches." Carl shares insights from his journey as a financial planner and author, emphasizing the importance of conversations about money and the role of attention as a valuable resource. The discussion explores themes from Carl's book, including the concept of "conversation grenades" and the significance of aligning financial decisions with personal values. The episode also features contributions from co-hosts Kim Gaxiola and Carolyn Rowland, who share their perspectives on financial planning and the challenges of discussing money.

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In this episode of the Resilient Investors Podcast, Victor and Kim Gaxiola discuss essential financial strategies to consider before the end of the year and how to prepare for 2026. They cover topics such as tax law changes, ROTH conversions, required minimum distributions, tax loss harvesting, and employee retirement contributions. The episode emphasizes the importance of proactive tax planning and working with financial professionals to navigate upcoming legislative changes.

Key Takeaways:

• Consider ROTH conversions to lock in current tax rates.
• Ensure required minimum distributions are completed to avoid penalties.
• Explore tax loss harvesting to offset capital gains.
• Maximize employee contributions before year-end deadlines.
• Stay informed about upcoming tax law changes in 2026.
• Work with financial professionals for personalized advice.
• Understand the impact of the TCJA sunset on tax brackets.
• Review your charitable giving strategies beforethe year concludes to ensure you maximize available tax deductions.
• Update beneficiary designations on retirement accounts and life insurance policies so they remain in alignment with your overall estate plan.
• Consider whether you qualify for energy-efficient home improvement tax credits as part of your annual tax reviewprocess.

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Visit ⁠http://www.resilientplanning.com⁠ to learn more about our team or ⁠CLICK HERE⁠ to schedule some time with our team.

Happy Holidays!

This episode of the Resilient Investors Podcast, hostedby Victor Gaxiola, focuses on gratitude as the team reflects on what they are thankful for during the holiday season. Team members, including Christinia, Carolyn, Lucas, and Kim, share personal and professional experiences that highlight the importance of family, teamwork, and personal growth.

The episode emphasizes the value of creating a supportive work family and maintaining traditions that foster connection and joy. We invite you to listen and share your own thoughts on gratitude and holiday traditions. Share with us on social media OR send us an email at hello@resilientplanning.com

HAPPY THANKSGIVING! We are grateful to you our listeners.

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In this episode, Victor Gaxiola, Carolyn Rowland, and KimGaxiola discuss the importance of estate and legacy planning. They explore the differences between wills and trusts, the significance of avoiding probate, and how to align financial planning with personal values. The conversation emphasizes the need for regular updates to estate plans and the role of financial planners in guiding clients through these complex decisions.

Key Takeaways

• Establishing a will and trust is crucial for asset protection.
• Avoiding probate can save time and money for beneficiaries.
• Aligning financial planning with personal values is essential.
• Regular updates to estate plans are necessary due to life changes.
• Trusts offer more control over asset distribution than wills.
• Beneficiary designations on IRAs and 401ks must be current.
• Estate planning involves challenging but necessary conversations.
• Financial planners play a key role in estate planning guidance.
• Charitable giving can be a significant part of legacy planning.
• Specificity in estate documents ensures wishes are carried out.

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V2

In this episode of the Resilient Investors Podcast, hostsVictor Gaxiola, Carolyn Rowland, and Kim Gaxiola discuss the intricacies of tax planning and its critical role in financial management. They discuss the differences between tax preparation and tax planning, the importance of specialized tax strategies, and how technology aids in effective tax management. The conversation also highlights the significance of tax planning for business owners, high net worth clients, and the correlation between tax and estate planning, emphasizing the need for a proactive approach to retain wealthacross generations.

Takeaways

• Tax planning should be proactive and strategic.
• Understanding the differences between CFP and EA is crucial.
• Tax planning is not just an April task; it should be ongoing.
• Technology plays a significant role in tax planning efficiency.
• Investment strategies must consider tax implications.
• Business owners need tailored tax planning strategies.
• Generational wealth requires thoughtful tax and estate planning.
• Control over investments can minimize unexpected tax liabilities.
• Tax loss harvesting can significantly reduce tax burdens.
• Collaboration among financial advisors enhances client outcomes.

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Visit ⁠http://www.resilientplanning.com⁠ to learn more about our team or ⁠CLICK HERE⁠ to schedule some time with our team.

In this episode of the Resilient Investors podcast, Victor and Kim Gaxiola discuss the findings from their “Mastering RSUs-Data-Driven Insights & Strategies for Long-Term Financial Success” whitepaper, exploring the complexities of Restricted Stock Units (RSUs).

As a significant component of modern compensation, they unpack the implications of RSUs on employee retention, the balance of hope and uncertainty in equity compensation, common mistakes in managing RSUs, and actionable strategies for effective management. The conversation emphasizes the importance of diversification and proactive financial planning to mitigate risks associated with over-reliance on company stock.

Takeaways

• RSUs are often misunderstood but are crucial inmodern compensation.
• Employees may feel trapped by their RSUs,impacting morale.
• Confirmation bias can lead employees tooverestimate their company's stability.
• Tax law changes can significantly affect thevalue of RSUs.
• Many employees do not diversify their RSUs,increasing risk.
• Strategic selling and diversification are key tomanaging RSUs effectively.
• Creating a financial plan is essential formanaging RSUs.
• Engaging with financial advisors early can helpmitigate risks.
• Understanding the tax implications of RSUs iscritical for planning.
• Proactive management of RSUs can lead tolong-term financial stability.

Download a copy of the RSU White Paper - CLICK HERE

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In this episode, Victor and Kim Gaxiola discuss the investment management process, building on their previous conversation about financial planning. They explore the importance of understanding investment models, the stages of investment (accumulation, preservation, and distribution), and the significance of asset allocation.

The conversation emphasizes the need for a disciplined approach to selling investments, the role of the Resilient Wealth Planning Investment Committee, and the integration of financial planning with investment management. They also touch on the importance of tax planning in preserving wealth that will be the topic of an upcoming podcast.

Key Takeaways

• Investment management is a vehicle to achieve financial goals.
• Understanding investment models is crucial for effective management.
• There are three primary stages of investment:accumulation, preservation, and distribution.
• Asset location can significantly impact tax efficiency and investment strategy.
• Preservation mode requires a conservative approach to protect assets.
• Sell discipline is essential for effective portfolio management.
• Consistent contributions to investments lead to better long-term results.
• Investment strategies should be flexible and adaptable to market conditions .
• The investment committee plays a vital role in shaping investment strategies.
• Tax planning is critical for preserving wealth and minimizing tax liabilities.

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Visit ⁠http://www.resilientplanning.com⁠ to learn more about our team or ⁠CLICK HERE⁠ to schedule some time with our team.

#InvestmentManagement#FinancialPlanning #AssetAllocation #RiskManagement

Join Victor Gaxiola, Kim Gaxiola, and Carolyn Rowland as they delve into the intricacies of financial planning. Discover how understanding your current financial position, setting goals, and crafting a strategic plan can guide you to financial success. Learn about the importance of data accuracy, the role of investments, and the behavioral aspects of financial planning.

Key Points:

• Introduction to financial planning: Understanding where you are and where you want to go.
• The financial planning process: Gathering data, setting goals, and crafting a plan. Importance of accurate data and regular check-ins.
• Behavioral aspects: Understanding clients' relationships with money.
• Tax and legacy planning: Aligning strategies with long-term goals.
• How to get started with Resilient Wealth Planning.

Visit our website at https://www.resilientplanning.com/ to learn more. To schedule a discovery meeting and explore how financial planning can benefit you- CLICK HERE

#FinancialPlanning #WealthManagement#InvestmentStrategy

Next Episode Teaser: Stay tuned for our next episode where we dive deeper into our investment selection process and how it alignswith your financial plan.

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