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Protecting & Preserving Wealth

Protecting & Preserving Wealth

De: Bruce Hosler
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In the Protecting & Preserving Wealth podcast, Bruce Hosler discusses and provides timely answers to important topics for our listeners: • Tax Reduction Strategies • Financial & Estate Planning • Investment Management • Retirement Planning • Insurance Strategies • Business Owner Exit-Planning Strategies • Current Events and their Market Effects We started the podcast because a number of clients have questions, and this is a way for us to give them a venue to listen to different answers on all the things they're concerned about today. First and foremost, foundationally, for most people, taxes are a very important thing. We always start with taxes and then we go from there and work on financial planning issues like retirement. Am I going to have enough? How am I going to leave my stuff to my legacy, to my kids and family? In estate planning, we include asset management because everybody wants to know where their money's invested and how safe and how protected it can be. And how can it grow in the face of this inflation that we're facing today. And finally, we use insurance strategies to make sure that when the moment of truth arrives, everything's okay for the family. Throughout this podcast, we're going to meet the Hosler team and how each of them plays a role in securing your financial future. Hosler Wealth Management can be reached in their Prescott office at (928) 778-7666, in their Scottsdale office at (480) 994-7342, or on the web at https://www.hoslerwm.com/. Disclosure: Investment advisory services are offered through Mutual Advisors, LLC DBA Hosler Wealth Management, a SEC registered investment adviser. Securities are offered through Mutual Securities, Inc., member FINRA/SIPC. Mutual Advisors, LLC and Mutual Securities, Inc. (collectively “Mutual Group”) are affiliated companies. Forward-looking commentary should not be misconstrued as investment or financial advice. The advisor associated with this podcast is not monitored for comments and any comments should be given directly to the office at the contact information specified. Any tax advice contained in this communication, including any attachments, is not intended or written to be used and cannot be used for the purpose of 1) avoiding federal or state tax penalties, 2) promoting marketing or recommending to another party any transaction or matter addressed herein, and 3) Tax preparation and accounting services are offered independently through Hosler Wealth Management Tax Services. Any tax advice provided by tax professionals under Hosler Wealth Management Tax Services is separate and unrelated to any advisory or security services offered through Mutual Group. The accuracy, completeness, and timeliness of the information contained in this podcast cannot be guaranteed. Mutual Group does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation. Accordingly, Hosler Wealth Management does not warranty, guarantee or make any representations or assume any liability with regard to financial results based on the use of the information in this podcast. Protecting & Preserving Wealth (podcast) is owned and produced by Hosler Wealth Management Prescott Office: 700 S Montezuma St Prescott, AZ 86303 Tel. (928) 778-7666 Scottsdale Office: 7400 E Pinnacle Peak Rd Suite #100 Scottsdale, AZ 85255 Tel. (480) 994-7342 #HoslerWealthManagement #Protecting&PreservingWealthPodcast #BruceHosler #ProtectingWealthPodcast2022-2025 Hosler Wealth Management | All Rights Reserved. Economía Finanzas Personales
Episodios
  • Ed Slott IRA and Tax Updates for 2025

    Ed Slott IRA and Tax Updates for 2025
    Oct 15 2025

    https://amzn.to/4msRo2kIn this episode of Protecting and Preserving Wealth, we dive into key updates from the Ed Slott Master Elite IRA Advisors Conference, focusing on critical tax changes and planning pitfalls that impact retirees and IRA holders. Bruce Hosler shares his takeaways after nearly two decades of attending these elite sessions. We break down three essential areas that our listeners need to understand heading into the 2025 tax season.

    📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k

    ⏱️Chapters & What You'll Learn
    (00:00) Intro & Updates Overview
    (00:39) New 1099-R Reporting for QCDs
    (06:52) Why Form 8606 Matters for IRA Basis
    (09:48) The One-Rollover-Per-Year Rule Explained
    (12:48) Catastrophic Mistakes to Avoid
    (17:07) Closing Thoughts & How to Get Help

    We start with updates to Form 1099-R, particularly how it now includes specific codes to identify Qualified Charitable Distributions (QCDs). For years, these weren’t clearly reported, and many taxpayers were unknowingly taxed on charitable gifts from their IRAs. Now, codes like 7, 4, and K will help distinguish between standard distributions, inherited IRAs, and alternative asset IRAs. We emphasize the importance of notifying your tax professional even with these new codes, and we recommend completing QCDs early in the year to avoid confusion with required minimum distributions (RMDs).

    Next, we highlight the critical role of IRS Form 8606 in tracking the basis in IRAs, especially when nondeductible contributions are involved. Filing this form annually ensures that when distributions occur, the IRS has a current record of your cost basis. Without this, you could be taxed on amounts that should be non-taxable. Even if no contributions or conversions are made, we advise clients to file this form to maintain a consistent paper trail and protect their tax-free amounts.

    Lastly, we cover the “one rollover per year” rule. This rule applies on a rolling 12-month basis—not a calendar year—and breaking it can trigger catastrophic tax consequences, including making an entire IRA taxable. We stress that rollovers should always be handled via trustee-to-trustee transfers. Bruce cites a costly real-world example from the Ed Slott conference where a misunderstanding led to a client facing taxation on a $3 million IRA. We also clarify which types of transfers are exempt from the one-per-year rule, such as 401(k) to IRA rollovers and Roth conversions.

    You should always avoid costly mistakes by working with experienced professionals, and ensure your documentation is current. For those seeking guidance, we’re available in both Prescott and Scottsdale, and online at hoslerwm.com.

    For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/

    Contact Our Team: https://hoslerwm.com/contact-us/

    Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342.

    For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/

    Limitation of Liability Disclosures: https://www.hoslerwm.com/disclosures/

    Copyright © 2022-2025 Hosler Wealth Management | All Rights Reserved.

    #ProtectingWealthPodcast #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

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    20 m
  • Investment Themes in 2025

    Investment Themes in 2025
    Oct 1 2025
    In this episode of Protecting and Preserving Wealth, we explore the most compelling investment themes we see emerging for 2025. Together, we identify ten major growth areas—what Bruce calls “green shoots”—that signal new and transformative opportunities across sectors like crypto, AI, energy, and biotech.📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k⏱️Chapters & What You'll Learn(00:00) – Intro & Overview(00:36) – Crypto & Blockchain(04:18) – Artificial Intelligence & Energy Demand(10:08) – Robotics & Rare Earths(14:37) – Tech Leaders & Futuristic Innovations(19:24) – Private Equity, Small Caps & BiotechWe start with the seismic shift in crypto regulation. With Congress formally legalizing cryptocurrency and integrating it into ETFs, crypto is moving from the “wild west” into mainstream finance. Blockchain's impact is broader than just currency—it’s improving transaction verification, influencing trade settlement times, and applying to diverse industries from AI to video editing.We then shift into AI, where demand for electricity is becoming a bottleneck. Companies like Meta and Microsoft are securing direct energy contracts to meet data center needs. AI isn’t just about smarter software—it requires immense infrastructure: chips, cooling, and power. We highlight opportunities in chipmakers like Nvidia and AMD, and also the buildout of data centers here in Arizona. This buildout feeds into energy infrastructure, where we see big gains in natural gas, nuclear, and companies like GE Vernova and SMR (Small Modular Reactors) powering future data needs.Robotics is our next theme, with Tesla potentially evolving from a car company to a robotics leader with its Optimus project. This convergence of AI and robotics has global competition, especially from China, and massive implications for labor, logistics, and manufacturing.From there, we examine the need for rare earth elements. With global tensions high and countries protecting their resources, we discuss U.S.-based mining opportunities, spurred in part by Department of Defense investments. These materials are essential for electric vehicles, data centers, and defense technology.We address whether the “Magnificent Seven” tech companies are overvalued. Our view: as long as earnings justify valuation, these giants like Nvidia, Meta, and Amazon remain vital drivers of innovation and should not be overlooked.Futuristic transport is becoming real with all-electric vertical takeoff and landing (EVTOL) aircraft gaining traction in the Middle East. These technologies could reshape how goods and people move in the near future. Similarly, space tech is rapidly commercializing, thanks largely to SpaceX, where launch costs have plummeted. This opens up investment in satellite internet, low-orbit manufacturing, and even space tourism.Private equity and debt also stand out, as companies stay private longer. Accredited investors can now access high-return opportunities not tied to public markets, offering valuable diversification. And with a potential rate cut coming, we’re watching small-cap companies. When rates drop, smaller firms benefit from cheaper capital and tend to outperform, especially those with strong earnings and low debt.Finally, we explore biotech, where innovation continues despite political pressure. From GLP drugs to DNA-level manipulation, we expect a wave of new treatments and products coming to market before the decade ends.As always, our team is tracking these themes, evaluating them with caution, and looking for opportunities that align with client goals. We believe 2025 could be a transformative year for forward-thinking investors. For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/Contact Our Team: https://hoslerwm.com/contact-us/Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342.For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/Limitation of Liability Disclosures: https://www.hoslerwm.com/disclosures/Copyright © 2022-2025 Hosler Wealth Management | All Rights Reserved. #ProtectingWealthPodcast #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler
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    26 m
  • Considerations When Selling A Second Home or Rental Property

    Considerations When Selling A Second Home or Rental Property
    Sep 17 2025

    In this episode of Protecting & Preserving Wealth, we continue our discussion on the financial and tax implications of selling real estate, shifting focus from primary residences to second homes and rental properties. We open by clarifying the IRS guidelines for determining a primary versus secondary home. The key factor is where the majority of the year is spent, and that’s verified through documents like driver’s licenses and utility bills. This distinction matters because the Section 121 tax exclusion—$250,000 for individuals and $500,000 for married couples—is only available for primary residences. Secondary homes don't qualify, meaning capital gains from their sale are fully taxable.

    📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://www.amazon.com/dp/B0CY2XP8CD

    ⏱️ Chapters & What You'll Learn
    (00:00) Introduction and Welcome
    (00:31) Defining a Second Home
    (01:57) Tax Implications of Selling a Second Home
    (03:53) Understanding Long-Term vs Short-Term Capital Gains
    (09:47) Selling a Rental Property
    (18:40) Conclusion and Contact Information

    We explain how the cost basis for a second home is determined, including the original purchase price and improvements, excluding maintenance and repairs. If owned for more than a year, the property qualifies for long-term capital gains treatment, with rates of 0%, 15%, or 20%, depending on taxable income. We stress the importance of tax planning here—timing the sale or utilizing installment sales could result in substantial tax savings, especially for those with minimal other taxable income.

    We then transition to rental properties, which come with their own set of tax considerations. These properties allow for depreciation deductions, which can significantly offset rental income. However, we warn about depreciation recapture when the property is sold. We also emphasize the importance of proper legal structuring—typically using an LLC for each rental property, ideally owned collectively by a revocable living trust—to shield personal assets from liability.

    We explain benefits of 1031 exchanges for deferring taxes when selling rental properties, and how community property laws in states like Arizona can offer a full step-up in basis upon the death of a spouse, potentially eliminating capital gains tax altogether. For those tired of active property management, we introduce Delaware Statutory Trusts as a way to earn passive income while avoiding common landlord headaches. We can't get into detail on DST's in this podcast, but we are happy to chat with you about them offline.

    We close with a caution about trying to game the system. The IRS can and does verify how properties are used, whether that's primary vs secondary residence OR secondary residence vs rental property. The IRS has done this through looking at cell tower data and utility usage. It’s critical to properly classify your real estate from the start to avoid future tax trouble.

    For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/

    Contact Our Team: https://hoslerwm.com/contact-us/

    Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342.

    For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/

    Limitation of Liability Disclosures: https://www.hoslerwm.com/disclosures/

    Copyright © 2022-2025 Hosler Wealth Management | All Rights Reserved.

    #ProtectingWealthPodcast #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

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    21 m
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