The Show

We're in December so you know what that means... Actionable planning as the year closes — from Required Minimum Distributions to Roth conversions, backdoor Roth execution, QCD mistakes, and avoiding IRS withholding penalties. Jeremiah and Nic unpack overlooked tax traps, including misreported charitable transfers, improper Roth documentation, Form 8606 errors, and how retirees get hit with avoidable interest and penalties.

Also something new to look forward to: Trump Accounts. The guys break down how these federally seeded children’s investment accounts work, eligibility timelines, contribution rules, investment limitations, tax treatment, distribution penalties, automatic setup, and whether politics should influence planning. They compare these to 529 plans, UTMAs, custodial IRAs, trusts, and simple brokerage accounts while showing when each shines — and when giving an 18-year-old control can be dangerous.

Plus, we get practical strategies for gifting, legacy planning, educating children about money, and using investment accounts as tools for skill-building rather than entitlement. Everything from tax efficiency, Social Security concerns, behavioral finance, and new policy mechanics.


Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com

Hosts:
Jeremiah Bates & Nic Daniels
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Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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This last weekend, Jeremiah and Nic walk through everything investors should be thinking about heading into year-end. They open with the uptick in market volatility and why short-term swings (especially after years of strong returns) should be expected rather than feared. From S&P 500 movement to speculation-driven selloffs and margin trading, the guys explain what’s actually happening under the hood.

They then shift into the biggest year-end priorities: maxing out 401(k) contributions, coordinating Roth strategies, and using HSAs the right way—including the little-known double catch-up rule for couples over 55. The advisors outline practical moves for self-employed listeners too, especially when SEP IRAs unintentionally reduce their Qualified Business Income (QBI) deduction.

Listener calls round out the show with questions on spending down windfalls, tax-efficient Roth funding, managing debt, and how to plan confidently when you feel “behind.”

In hour two, the conversation turns to 1031 exchanges and Delaware Statutory Trusts—how they work, who they’re right for, and the real trade-offs behind tax deferral. They finish with retirement psychology, planning clarity, and why understanding your strategy matters more than timing the market.


Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com

Hosts:
Jeremiah Bates & Nic Daniels
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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