Preparing for the Fall: Financial Moves & Economic Turning Points (Ep 110)
Fall isn’t just about pumpkin spice and cozy weather—it’s the perfect season to get your money in shape. In this episode, we’ll break down the smart financial moves to make before the year wraps up—so you’re ready for rising healthcare costs, market shifts, and whatever the economy throws your way. From RMDs and tax strategies to protecting your wealth in uncertain times, consider this your financial wake-up call.
Transcript - The following transcript was generated with AI technology, so please excuse any typos or inaccuracies.
Brian Doe 0:00
Fall isn't just about pumpkin spice lattes and cooler temperatures. It's Prime Time to take control of your finances. In today's episode, we'll uncover key money moves you need to make before year end, before rising health care costs and recession signals catch you off guard, from RMDs to tax plays and playing defense in a shifting economy, this is your financial wake up call.
Speaker 1 0:29
It's time to make the dough rise. The financial podcast with Brian doe,
Walter Storholt 0:37
we're back on make the dough rise. Walter Storholt here with Brian doe, of course, Certified Financial Planner, living worth wealth advisor, serving the lake country and beyond, based right out of Greensboro, Georgia. Brian has more than two decades of experience in the financial planning world, and has been a Certified Financial Planner since 2013 and it's great to have you back with us for another episode. Folks, thanks for being here as we it's not a pumpkin spice, Brian, but I do have my coffee here ready to go. I should have done in your honor today, gotten a little pumpkin flavor thrown in there. But apologies, I didn't stick with the theme of the show here.
Brian Doe 1:10
No, that's all right. It's not really my thing either. But I think the girls like
Walter Storholt 1:13
it. I like it. I just it's got a lot of sugar in those syrups, usually. So I try to avoid those when
Brian Doe 1:19
I can. Yeah, I'm real simple. I just like a little espresso with some cream and sugar.
Walter Storholt 1:22
It's not a bad way to go as well. Absolutely. Yeah, so you guys must be busy, right? Not just with picking up some pumpkin spice lattes for the girls, but back to school and all sorts of activities, I'm sure, ramping up here into September.
Brian Doe 1:34
Yeah, we got everybody back in school and getting involved with cheer and theater and church programs and what all this stuff going on. So it's been a busy time and and I, of course, had to go help my friends move his Jeep from Spokane to back to Utah. I meant I'm a good friend, so I couldn't just leave him hanging. And so we got to spend the last week basically moving through Idaho, from Spokane down to Sun Valley, doing a little bit of jeeping, a little bit of mountain biking. It was a great trip.
Walter Storholt 2:07
Never hurts to have an excuse to go Jeep and right? That's right, that's right, that's awesome. Well, let's set the tone for folks now that you're back from Idaho and getting busy into the fall. Seems like the markets, the financial world, the economy gets busier as well once summer comes to an end and our attention just gets drawn in so many different directions. And I know you've got a lot that you're keeping an eye on, I want to give folks a quick behind the scenes look like usually, we've got a few bullet points we're going to hit here on our on our notes document throughout the episode today, it's a pretty good fair amount of bullet points and notes from all different areas of the financial landscape. So I know you're tracking a lot right now,
Brian Doe 2:44
lot of financial housekeeping. This is the time of year. You've got open enrollment, you've got a lot of tax planning that you can do relative to IRA contributions and distributions. And I'm seeing a lot of shifting economic indicators and valuations in the market. So we'll, we'll talk about all that.
Walter Storholt 3:01
I know we can do a wide ranging kind of fall and prep for the end of the year in the last few months sort of episode. But do you have a few primary focuses you want to take us down the road? Of today,
Brian Doe 3:12
we'll talk about healthcare, cost opportunities, with HSAs making 401, K contributions and or distributions, charitable ties to that. I've outlined a number of tax traps, because we have some new deductions in play with the salt caps, capital gains rates. So there's a number of things that that we need to be mindful of and making sure that we get, you know, proper tax estimate
Walter Storholt 3:38
payments made. Okay? Well, where is our starting point? Where do you wanna go
Brian Doe 3:41
first looking at safe harbor contributions and tax payments. We have some great financial planning software specifically related to tax the program called holistic plan. If you're a client, obviously you've either been prompted to or have submitted your tax returns, and we take the prior year tax return, scan it in and it optically character recognizes every piece of data on your tax return, and gives me a really, really nice breakdown of the tax efficiency of your portfolio, what tax brackets you're falling into, what range you still have in, in different brackets. And we can do a lot of scenario planning then for next year, where we can look at how much have you realized in capital gains and dividends and interest and income, and what deductions might you have that are coming back into play this year, and run a very specific, probably better tax analysis than you could, trying to plug numbers into Turbo Tax, or some of the tax planning software that people use, and then we can play with those numbers a little bit to see if, does it make sense to do a deductible contribution or a Roth contribution to your 401 K and you know, then what's the best way? What is your. Estimated tax bill. What's the best way to pay it? You know, going online to the IRS, there's some great payment options there, because too many people get hit with underpayment penalties and interest, especially in retirement. Maybe they don't have withholding coming out of Social Security, or they've got a pension coming in and or you're taking Ira distributions, matching up and making sure all the withholding and quarterly payments that you've made actually satisfy your tax bill. And there's a number, and it's called the safe harbor contribution, that if you have paid X dollar amount and choose 110% of the previous year's tax bill or 90% of your actual then you would be avoiding tax underpayment penalties, and they will ding you for interest on that, so you have until January 15 to actually make that payment. But it's good going into the end of the year having some idea of where you're at with that, and then if you still have some options for charitable gifting or taking a little bit more money out of your 401, k or IRA, maybe doing some Roth contributions, this is the time to nail that down.
Walter Storholt 6:12
Excellent kind of look at some of the things you're keeping your eye on here. So Safe Harbor items, reviewing benefits, those RMDs have been shifting a lot over the last couple of years. And I feel like with some of the new tax law rules that have come through, it's hard for the average bear Brian to kind of keep pace with all the changes. After what felt like a very stagnant amount, you know, period of time, in terms of financial landscape changing around us, it feels like it's we've turned the page this decade to something kind of very, very new and different compared to kind of pre covid, when, I don't know, just felt things felt a lot more stable, if that makes any
Brian Doe 6:47
sense. Yeah, I think a lot of, obviously, a lot of things have shifted. And one of the big ones is the increase in healthcare cost. I think they're projected to be up another 6% this year. And you know, as we age, we get more more and more healthcare costs creeping into our lives. And so if you're still employed, this would be a good time to review as open enrollment arrives, review your benefits, what's covered, what your deductibles are, if you're on a traditional plan, maybe do some analysis between what the premiums are versus the high deductible plans. And I am a recent convert, or relatively recent convert, to the benefits of the HSA health savings accounts, and that's a plan that you can put I think it's close to $9,000 per year in and unlike a FSA flexible spending account, it is not use it or lose it. So it's a great opportunity to put pre tax money in that you can use for future medical expenses and payments. And if you don't use it, you can let it continue and compound. You can invest it and let it grow. And in the past, I had not been a huge fan of these. But as we look at the potential for long term care costs in the future, making those annual contributions if you're not even if you're not using it, gives you a very nice tax advantage, advantage pool of money, potentially, if later in life you do have higher health care costs, a lot of things fall under the HSA payment eligibility, and it's awesome because you're using pre tax
Walter Storholt 8:26
dollars. Well, I know that's not the end of the list. What else are you watching? Well, required minimum
Brian Doe 8:30
distributions are a big topic for a lot of my clients, and the general rule is, if you turn 73 this calendar year, your first RMD is due by April 1 of the following year. So this is the one RMD that you technically don't have to take the year that you are required to. You can delay it, but if you delay it, it will fall into next year, and you'll have to make next year's RMD. So it really doesn't make sense to delay it, but if you don't take it, you could be looking at penalties up to 25% of the amount missed. So if you fail to make an RMD of $10,000 the following year, you will still have to take it and pay taxes on it, and you will owe an additional 25% penalty on top of that. So it is a great way to lose half or more of your required minimum distribution if you're not careful.
Walter Storholt 9:26
That's one of those ones. You got to get it right. You just can't afford to make a mistake on those RMDs. The penalties are too high.
Brian Doe 9:32
Yeah. And there's also the opportunity to do tax withholding on your RMDs as well. So it's a great way to if you think you're gonna have to make a tax payment, you can actually have the custodian withhold taxes and submit those payments for you, and it'll save you an extra step of having to make that tax payment when the time comes. And then the the other thing that dovetails with is if you are doing charitable gifting at age 70 and a half, you can actually use your. IRA funds to make charitable contributions. So if you're not itemizing and getting credit for your charitable deductions because you're just taking the standard deduction, this, like the HSA, is also a great way to use pre tax dollars for your charitable contributions. That's capped at $100,000 that usually, unless you want to do a massive gift and have the wing of the school named after you or something like that, it's not for for things like that, but for just general charitable gifting. For you know, local charities and churches qualified charitable distributions at age 70 and a half from your IRA is a great way to go. Just one other point on the charitable giving, if you are when you get done with everything we talk about today, if you are still itemizing and maybe are doing getting credit for for deductions, the donor advised fund is also a good option. If you have some concentrated stock you want to make a big charitable deduction so that you you get the tax write off in a particular year. Donor Advised Funds are also a great option, because you can put a lot of money in there in one particular year, get the full deduction, but still retain control over when those funds are distributed. I have not mentioned those a lot, but those are increasingly becoming a good option.
Walter Storholt 11:18
Okay, excellent. So watch out for those qcds and those donor advised fund options for you. Okay, how about those employer contribution elements in parts of the conversation? Yeah, so
Brian Doe 11:28
you've had a little bit of time left this year, maybe if you have locked into your traditional 401, K contributions, and you're getting a deduction for that, that may be great. Now it may feel good to get those taxes lowered, but increasingly, I'm finding that making Roth 401 K contributions makes more sense. A couple of reasons. One, a lot of people are going to be in higher tax brackets in retirement being when you look at these large balances that people increasingly have built up in 401 ks if you have, you know, Social Security potentially coming in. If you still have a pension and you've got dividends and income capital gains from your brokerage accounts, it may make more sense to just go ahead and pay the tax today, and then, you know, have the option for tax free withdrawals and you do not have required minimum distributions from Roths. So there's a lot of liquidity that that gives you in retirement. If there is a particular year when you need to take, you know, 100 or $200,000 out, maybe to buy into a continuing care facility or something like that, the Roth gives you a way to get that money without it hitting your tax return in retirement, and if you're going to ever leave money to the children, IRAs are terrible things to leave. They used to have a long, slow, required minimum distribution schedule for the beneficiaries that has been reduced now to 10 years. So you have to look at the long term implication of when that money is going to come out, how it's going to be taxed, who's going to be receiving it. Your children may be in their peak earning years, and you've left them this nice IRA, and all of a sudden they have 10 years that they're forced to draw this down, and it may not be your tax bracket that matters. It may be their tax bracket that matters. So a lot that goes into it. It's a pretty involved discussion, but it's it makes a lot of sense to look at it if your employer plan offers it, if you're a solo operator or consultant. Schwab has now added a Roth 401, K option for the solo 401, KS, yeah. Just just increasingly having that conversation. This still dovetails with deductible 401, K contributions, charitable contributions. You want to be very mindful of the tax traps that are lurking out there as you make that decision. So I talked about what may happen in the future of those contributions, but in this particular year, you may have an income where it does make sense to do the deductible contribution. And I'll give you a couple of examples if you're paying FICA taxes, that threshold is now $176,100 well, that's six and a quarter percent for yourself. If you're self employed, you know, it's 12 and a half percent. So if you're below $176,000 and still paying FICA taxes, you know, maybe it makes sense to do the deductible contribution to the 401, k, if you're falling right on that threshold or but you know, or if you've gone above it, then, then again, maybe the Roth comes, comes back into play. Another example could be the child tax credits. So if you're still getting the deduction or the tax credit for having de. Dependent children. If you're making $200,000 as a single person, you start to lose your child tax credit between 202 $140,000 of income. And if you're married and you might have a couple of incomes from 400 to 440,000 you could lose your child tax credits. So what does that mean if you were getting a $2,000 per child tax credit, and for example, if you had three children, that would be $6,000 of tax credit, that you'd be receiving below $400,000 but if you go above $440,000 you would phase out and lose those credits. So there again, if you're right on that threshold or in that range, it might, might make sense to you know, go ahead and do the the deductible contribution, and until the kids are grown up and out do deductible contributions and then start the Roth on the other side. Now, if you're over 440,000 and you have blown way past it, then it's not as much of an issue, but you definitely want to take a look
Walter Storholt 16:13
at all right, all good stuff. Any more items.
Brian Doe 16:17
Capital gains is one you want to be mindful of. There's a number of different brackets where your capital gains are taxed at a different rate than your income. So you have to separate those two items, and it's they all go into your adjusted gross income number. But the tax rate applied to these different types of income can change. So let's say, for example, you do not have a lot of income, you don't have a lot of Ira distributions. Maybe you're early in retirement, you're, you know, you don't have the job income anymore. You could have a period where you've got relatively low income, and it could be an opportunity to realize some capital gains. And so your taxable income would be your gross income minus your deductions, or your standard deduction. So that number could be somewhere in the $125,000 range of income, where your capital gains will be taxed at 0% big opportunity right there. Like I said, especially if you've retired early and you haven't started Social Security yet. Great way to realize some capital gains tax free, or do Roth conversion. So those would be the two options if you're falling in the 15% capital gains tax rate that ranges for single about $48,300 to $533,000 so it's a big window there. But if you're falling above the 533 as a single or above 600,000 for joint your capital gains, rate stays in the 15% but if you're falling above that amount, the $533,401 for singles, $600,050 for joint your capital gains rate goes up to 20% so again, you just this is another layer and threshold. So all of these come into play. You need to factor all of these in and see exactly where you're going to end up, because it could make a difference from zero to 15% up to 20% for your capital gains.
Walter Storholt 18:31
All right, I have a light flashing here on my desk Brian that says there's one more item to cover before we go to the broader picture stuff. Yeah.
Brian Doe 18:38
So the big one that comes back into play this year is the salt deductions, and that stands for state and local taxes. If you're paying state income taxes, property taxes, you may have some some local taxes that you pay. The deduction in the past was reduced to $10,000 per year. That now goes up to $40,000 per year. So if you're in a higher tax state, you have higher property taxes, and you are itemizing the salt deduction could go up significantly and save you potentially 10s of 1000s of not 10s, but maybe, maybe 15 ish $1,000 of taxes. Okay, it comes back into play for higher income, but now it gets phased out at $500,000 so if you're earning in the 500 to 600,000 of modified adjusted gross income, once you get above 600,000 that salt deduction goes back down to $10,000 so if you can do some things, make a big donor, Advised Fund contribution, or do the deductible 401 k, if you can keep your income below 500,000 you will get the full $40,000 potential of of salt deductions. So for people who itemize. This is a another great planning opportunity that really was lost the past several years and is back in play at the appropriate income levels.
Walter Storholt 20:11
Okay, good stuff on all of that. Brian, I think we're ready. Zoom out. Full picture.
Brian Doe 20:18
Yeah, big picture. Like I said, Use this fall as a window to project your taxable income. Optimize to pre tax vehicles, if they make sense, look at the HSA. Find all these ways that you can reduce income, defer income, use it tax free for qualified expenses. Those things all make make sense. These moves could lower your current income taxes. They could fund, you know, future needs. But it's, it's a especially helpful giving the, you know, changing landscape of the you know, tax rates. When these new rules are they're around for a while. Some of them expire. They may get extended. We just don't know and have as much visibility anymore about what the tax code is going to be, because they're making so many changes, and we have those issues of higher healthcare costs creeping in. So great time to position yourself to be able to handle all of those tax smart in the future.
Walter Storholt 21:20
I've been hearing the buzz now on the bigger picture, stuff about recession, although I feel like we've been hearing about that for a while, and it still doesn't seem to to come around, despite maybe, you know, negative indicators and things like that popping up, there seems to be a disconnect between when something good or bad happens in the market or that should affect the market one way or The other, and it doesn't follow those expectations. So let's talk a little bit about the kind of the pulse of the economy and the market itself as we head into the fall and beyond.
Brian Doe 21:49
Yeah. So a big one is the labor shortage persisting. And as you talk to business owners and senior executives, they just talk about how there's such a shortage of people to work, and then we've had issues like the baby boomers retiring and leaving skilled or big gap in the skilled entrance to the workforce. We've had job numbers are going to be revised down by 911,000 fewer jobs than 2024 which is a big, big drop off in that number. And also, on one hand, you have all these indicators that look like there's a huge labor shortage, but on the other hand, everybody's talking about AI and says, we're all going to be out of a job here pretty soon. And I don't know which way this is going to really fall. There's some big opportunities out there. I was looking at healthcare specifically. And since the 1970s there has been about a about 100 125% increase in physicians, man which, which makes sense, the populations doubled. We're double the number of physicians, and totally makes perfect sense. At that same time, we have seen a 3,000% rise in administrative costs in the healthcare space. This could be a tremendous opportunity for AI, for some of the things that, if anybody's dealt with filing insurance claims and coding and pre approvals, and you feel the bureaucracy that has been, you know, built up in the healthcare space. And so maybe there's an opportunity for for AI, to bring some efficiency to places like that. But the risk is, if you're in those positions, you need to keep an eye out for AI and what that could do to a processing type job, because that's where the efficiencies will will come in. Same thing in the education space, we've seen a huge bloat in the number of administrative and what, I guess, bureaucratic and managerial type roles in higher education, while the faculty and the student numbers have not, not really kept up with that. So it'd be interesting to see what happens. I'm keeping an eye on it.
Walter Storholt 24:11
I like your idea that maybe healthcare, maybe we can make it like TVs one day. Is what you're kind of describing here, Brian, where the cost of it would actually go down as it gets better,
Brian Doe 24:21
correct, correct. That would be very nice, very nice. When you look at the market valuations like right now, we are at relatively high valuations on on the overall market, price to earnings ratios, price to book ratios. They're getting very rich, and that concerns me a little bit. We talked last time about the landscape being a little bit different with the giant growth in the tech space. Like the the technology waiting in the s, p5, 100 is@the.com levels. The valuations are at.com levels. And so as you look at. A chart that may really scare you, and think you know, any bad news could could really rock the market, but at the same time, we're at a very different position of profitability and actual utilization of technology and tools and microchips, and there's a lot of efficiency to be gained by those so I don't really know how to read the market, or how these new tools are going to play into efficiency for companies. And while that plays out, and while we wait to see where we end up, I think it's a fabulous opportunity to raise cash make sure you have immunized your spending from market volatility. You know, we're at all time highs on on most of the or near all time highs on on all of the indexes. So buy low, sell high. This is a great opportunity if you're going into distribution mode, to shore up your cash. Put in some, you know, maybe longer term bonds. If interest rates go down, that could lead to an increase in bond prices. So it might be a good time to add some duration to your bond portfolio, put some maturities out there that that give you the cash and security that you need for 510, year time periods. And if the market continues to go up, and this all works out beautifully, fantastic if it does not, and we get some volatility in the meantime. Great time to, you know, position your portfolio,
Walter Storholt 26:31
you know, speaking of just kind of things changing, it seems like just yesterday the baby boomers were retiring, you know, the first wave of them. We're starting to retire Brian. And just like that, we're kind of at the tail end of baby boomers retiring, and that full impact of that transition hasn't quite hit home yet.
Brian Doe 26:47
Well, it's, it's getting mighty close that the wrap up on the boomer retirement will. I think that whether it's the next six, seven years should, should pretty well,
Walter Storholt 26:58
depending on what source you look at right and how they're defining the baby boomers. It seems like different different places put those age ranges slightly differently,
Brian Doe 27:06
but, yeah, but roughly, let's say the next five to 10 years, the boomers completely wrap up. That leaves a huge number of people drawing social security medicare, and so for younger earners, the risk is a dramatic spike in payroll taxes. We've seen those caps on on FICA tax going up. Medicare, you know, continues all the way up, and somebody's going to pay for that. And it's it'll be interesting to see how this all plays out with the $37 trillion debt that we're carrying, the deficit, was really hoping that Doge and the government efficiency spending reduction opportunities were going to be realized. It doesn't look like Congress is going to really have the will to make those cuts, even if they recommend them. So something's got to happen, and it's either going to be reduced spending, increased taxes on earners, or we're going to have the most amazing economic growth. We're going to double GDP, and it's not going to be a
Walter Storholt 28:12
problem. Yeah, there's a lot of factors to keep an eye on. By the way, the youngest baby boomers are reported to be 61 right now you would be as the youngest baby boomer. So, yeah, right, right on target. I mean, less if they're all retiring at 65 right? Four years and then they're done. But a few will linger on a little longer than that, I'm sure.
Brian Doe 28:32
Yeah, some linger on have kind of encore careers, or keep businesses or consulting gigs going. But a lot of people retire early. The number of people who retire early and start Social Security at 62 is actually quite high. So there's a couple different things going on out there.
Walter Storholt 28:46
Yeah, more than you think. Quick comment on, on, I know it's it's kind of still just starting to filter through, but we've seen lower immigration right now and starting to maybe just see some early signs of how that's impacting the labor markets and the economy?
Brian Doe 29:00
Yeah, that'll be interesting, because a lot of the work that you say immigrants do are very agricultural related. But then I also see I watch these futuristic technology blogs and things that I follow, and they're talking about farm equipment that actually can go through and scan crops and find weeds or sick plants, and they can diagnose it with AI or imaging, and it can shoot whatever treatment or pesticide or, you know, fertilizer that a specific plant down to the level of the plant as this machine rolls over the crop. So I have no idea what viability those things have, but there could be some huge automation coming in the agricultural space, too.
Walter Storholt 29:52
Pretty cool. All right. What about layoffs? Seeing an increase in those
Brian Doe 29:56
layoffs, or the number I saw was the J.
Walter Storholt 30:00
Job openings data, okay, not always the same thing, right,
Brian Doe 30:03
right? Yeah, so, so layoffs maybe, but you've got a lot of retirement going, and maybe people are using retirements or early retirement offers to move people on out. But if you look at the number of job openings, you know, we hit about a peak of 12 million openings in late 2022 and that has now fallen to 7.2 million as of July. That is about where we were before covid, and obviously the openings dropped dramatically down to about four and a half million under covid, just that was a outlier event, and they spiked right back up all the way up to the 12 million. So maybe some of that was just adjustment from covid, and what the wild swing that we had there was the number is falling back in line with with what it had historically been, but it's not the hot, hot labor market that it was for the past few years.
Walter Storholt 31:02
Well, Brian, I know we covered a ton of ground today, both on kind of some personal things we can be looking at also the bigger picture, landscape items that are just going to be interesting to watch unfold and then turn into personal choices and decisions to make from there. But yeah, we're drinking the pumpkin spice lattes. We're turning the page to fall. What can we do now as we turn the page and look at this end of year? Not to make this an end of year checklist episode, but there's got to be a few things that we might be able to move the needle on here through the last couple of months. Well, let's
Brian Doe 31:33
do some more of a checklist here, or just kind of enumerate the the things that you ought to put on your list if they apply to you. Or any of the previous comments have resonated with you. Open enrollment checklist, look at your employer plan review. You know what your options are there. Make sure you're maximizing your contributions, whether it's to get the employer match, or maybe add in a Roth element for your 401 k if you're in distribution mode. RMD reviews that, like I said, that ties into tax planning and charitable gifting strategies. Make sure you get those executed by, I would say by November. If you're doing charitable gifting out of your IRAs, make sure you get all those checks written by November so they have time to get cashed. I've seen them roll into the following tax year, and people don't get the credit for it. Just overall tax planning project, your income, adjusting savings targets, make tax payments and make sure you don't get hit with any penalties. And then just recession prep, if there is a recession on the horizon, if there is a market drop back to a lower valuation number, it feels really good where we're at right now, but now is a good time to build liquidity, rebalance your portfolio, and then identify some of those more conservative opportunities. Could be in real estate, could be in commodities, could be in bonds and in longer term bonds than we've been using lately, and Munis or taxable, depending on your tax situation. So good little checklist there that if any of those are important to you or sound like they apply to you, definitely. Let's take a look.
Walter Storholt 33:09
Okay, excellent. Well, if you're looking to take more control of your financial future, not sure, though, where to start, you can always turn to Brian doe, a tenured, Certified Financial Planner with more than 20 years of experience, to be your trusted partner through the planning process as a certified financial planner, professional, he meets those highest standards of training ethics and always putting your best interests first. Take advantage of a complimentary 15 minute call with Brian and that will help you gain clarity about your financial goals and prepare for that more secure tomorrow. All you have to do is visit, make the dough rise.com, that's make the dough rise.com and click book a call. It's that easy. We've got that linked in the description of today's show. Or dial 706451, 9800, and you can also get in touch over the phone that way as well, see if you'd be a good fit to work with one another where some of those planning gaps are and start fixing them and getting on the right track for a successful retirement. Brian, great stuff today. Really appreciate your time and effort and energy, and we'll look forward to chatting with you soon. Sounds great. I enjoyed it. All right. Take care, everyone. We'll see you next time, right back here on make the dough rise. You.
Speaker 2 34:26
Make the dough rise is brought to you by living worth Wealth Advisors with a central office in Greensboro, Georgia, but serving the lake country and beyond. The podcast is available on Apple podcasts Spotify and all your favorite podcasting apps. Subscribe today and never miss an episode. Just search for make the dough rise with Brian doe, you can also visit make the dough rise.com to listen to recent episodes. If you'd like to contact the show or schedule a complimentary financial review with Brian and the team, just go to make the dough rise.com and get in touch through the website or call 706 64519800, thanks for listening to make the dough rise.
Ben George 35:05
Investment Advisory services offered through Main Street financial solutions LLC, information provided is for informational purposes only and does not constitute investment tax or legal advice. Information is obtained from sources that are deemed to be reliable, but their accurateness and completeness cannot be guaranteed.
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