The Show

Apollon Wealth Management, LLC (“Apollon”) provides advice and makes recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

What does financial planning actually mean beyond managing an investment portfolio? Jeremiah Bates and Nic Daniels are joined by Bob Ruelle, Senior Vice President of Financial Planning at Apollon Wealth Management, to walk through how an experienced planner approaches a client's entire financial picture. Bob explains why good planning starts with understanding a person's goals, lifestyle, concerns and priorities before recommending anything—and why the financial plan itself should ultimately be the benchmark for whether a strategy is working.

The guys cover tax planning, Roth conversions, retirement withdrawal strategies, RMDs, Social Security, Medicare IRMAA, insurance, risk management and estate planning—and, more importantly, how those decisions affect one another. Bob explains why a good financial plan organizes your finances, while a great one connects them, prioritizes the biggest opportunities and continues evolving as life changes.

Later, they discuss common estate-planning mistakes, including outdated trusts and assets that were never properly titled. A caller whose husband is incapacitated after a bicycle accident brings the importance of powers of attorney and incapacity planning into real life.

And to wrap it up, whether it can make sense to give children part of their inheritance while you're still alive, including annual gift exclusions, gift-tax reporting, appreciated property, cost basis and the tradeoffs between gifting assets now versus leaving them at death.


Listen, Watch, & Connect!
https://www.therealmoneypros.com

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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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00:00 Hour 1 – What Comprehensive Financial Planning Actually Looks Like
10:20 Where the Financial Planning Process Starts
16:15 Finding Tax Planning Opportunities
19:10 Retirement Withdrawals, Roth Assets & RMDs
26:30 Insurance & Risk Management Within the Plan
30:00 Prioritizing Planning Opportunities
34:40 What Separates a Good Financial Plan From a Great One
39:50 Hour 2 – Estate Planning & Protecting Against the Unexpected
42:35 The Financial Planning Gaps People Overlook
46:00 How Much Life Insurance Do You Actually Need?
52:45 Common Estate Planning Mistakes
59:55 A Listener’s Real-Life Incapacity & Trust Question
1:06:55 Your Trust Is Done — Now What?
1:11:20 Planning for the Unexpected

Apollon Wealth Management, LLC (“Apollon”) provides advice and makes recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

Want more exposure to a certain sector? 🩺 Sometimes an ETF is the easier way to get the exposure while staying diversified.

#Investing #ETFs #alpha #portfoliodesign

Apollon Wealth Management, LLC (“Apollon”) provides advice and makes recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

Apollon’s Chief Investment Officer, Eric Sterner, explains why he thinks healthcare is up next 🔥🩺

Apollon Wealth Management, LLC (“Apollon”) provides advice and makes recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

Where are investors finding opportunities as markets continue to evolve?
Brian Wiley and Alexandra Lundgren are joined by Eric Sterner, Chief Investment Officer at Apollon Wealth Management, for an extended conversation on portfolio strategy and where he sees opportunities developing across the investment landscape.

Eric discusses why the AI investment story extends well beyond technology stocks, with potential beneficiaries across healthcare, utilities, industrials, materials and the infrastructure needed to support continued AI growth. The conversation also explores healthcare and biotech, portfolio diversification, private equity and private credit, and the tradeoffs investors should understand before allocating money to alternative investments.

A listener considering SpaceX and XRP brings the discussion back to fundamentals: building emergency savings, using diversified investments as a foundation, and keeping speculative investments in perspective.

The final hour shifts to insurance and risk management, including term versus permanent life insurance, IULs, annuities, long-term care and disability coverage, and what an insurance company's "guarantee" actually means.
 

Listen, Watch, & Connect!
https://www.therealmoneypros.com

—————————————————————
Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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00:00 Hour 1 – Where Investors Go From Here
04:20 Building a Portfolio Around Your Goals
18:55 Why Healthcare Has Eric’s Attention
31:45 Private Markets, Private Credit & Alternatives
39:59 Hour 2 – AI, Energy & the Next Investment Opportunities
46:40 SpaceX, XRP & Speculative Investing
50:00 Building the Financial Foundation First
59:55 Investing Beyond the AI Trade
1:04:20 Energy, Nuclear Power & AI Infrastructure
1:09:55 Boeing, U.S. Manufacturing & Investment Opportunities
1:16:10 Staying Disciplined as an Investor

You can use your crypto losses to help offset any gains you may have, including gains you have in stock 📉📈

#taxlossharvesting #crypto #xrpnews

Apollon Wealth Management, LLC (“Apollon”) provides advice and make recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances.

Apollon does not provide tax advice, individuals are strongly advised to consult with a tax professional before making any tax-related decisions. The information provided herein may not be relied on for purposes of avoiding taxes. The specific considerations for you may need expertise or review by a tax professional, licensed insurance provider, estate planning attorney or other professional to determine how it applies to you. Information provided is generic in nature, for educational purposes and not specific advice. Speak with your tax professional about your specific personal considerations before making any planning decisions. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

The financial world looks very different than it did just a few years ago. Brian Wiley is joined by Steve Cilley of Ataraxis PEO for a wide-ranging conversation about how changes in technology, the workplace, housing, and the economy are reshaping the way people build and protect wealth.

The show begins by looking back at the economic fallout from COVID, including stimulus, inflation, changes in employee expectations, and the lasting impact on businesses. A listener with gains in XRP brings the conversation into cryptocurrency, tax-loss harvesting, cost-basis tracking, cold wallets, and the challenges of proving and protecting ownership of digital assets. Brian and Steve then look ahead to AI and robotics, discussing which jobs may be disrupted and why owning capital could become increasingly important as technology changes the labor market.

The discussion shifts to whether homeownership still makes financial sense, especially for younger generations facing higher prices and interest rates. They compare buying versus renting, home equity versus investing, the changing age of first-time buyers, and the financial and lifestyle tradeoffs behind the American dream of owning a home.

The final hour focuses on business owners and the modern workplace: employee classification, remote workers across state lines, payroll and employment-law risks, compensation agreements, managing employees, and why growing businesses eventually need their systems and advisors to grow with them.
 

Listen, Watch, & Connect!
https://www.therealmoneypros.com

—————————————————————
Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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