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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 #ProtectingWealthPodcast2022-2026 Hosler Wealth Management | All Rights Reserved. Economía Finanzas Personales
Episodios
  • The Widow's Penalty: Part 1 of 2

    The Widow's Penalty: Part 1 of 2
    May 6 2026

    In this episode, we introduce the concept of "the widow’s penalty" and explain why it is one of the most important, yet often overlooked, risks in retirement and estate planning. We focus primarily on taxes, income loss, and preparedness for surviving spouses, who are most often women. We begin by explaining that while couples are alive and filing taxes as married filing jointly, they benefit from significantly wider tax brackets. For example, we discuss how the 24% federal tax bracket allows married couples to earn far more income than single filers before moving into higher tax territory. When one spouse dies, the surviving spouse is forced into single filing status, which can effectively double their tax burden on the same level of income.

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

    ⏱️ Chapters & Timestamps
    (00:00) Intro + What Is the Widow’s Penalty
    (00:32) Taxes: MFJ vs Single Brackets Explained
    (03:20) Stats, Blind Spots & Spouse Engagement
    (06:49) Year-of-Death Planning Window Strategies
    (08:32) Social Security Loss & IRA Tax Snowball

    We emphasize that this tax shift often happens at the same time a widow is losing income. Social Security benefits drop from two checks to one, even though the survivor keeps the higher of the two benefits. This reduction in household income frequently pushes widows to withdraw more money from tax-deferred retirement accounts, which increases taxable income further. We explain how this can snowball into higher taxes year after year, accelerating the depletion of retirement assets.

    We also discuss key statistics that reinforce why this planning matters. Most spousal heirs are women, and widows often outlive their husbands by four to twelve years. Despite this, many women defer long-term financial decisions during marriage, and nearly all widows later regret not being more involved earlier. We stress the importance of both spouses understanding what they own, why they own it, and how their plan is designed to answer the most important question: “Am I going to be okay?”

    We explore planning strategies that can reduce the widow’s penalty, including Roth IRA conversions while both spouses are alive and in favorable tax brackets. We explain how tax-free Roth income can replace lost Social Security or pension income without increasing taxes. We also highlight planning opportunities in the year of death, such as still being able to file jointly, performing large Roth conversions, and stacking deductions through donor-advised funds.

    Finally, we discuss the role of life insurance and chronic care riders. We explain that life insurance death benefits are tax-free, do not impact Social Security taxation, and can provide critical income replacement. Chronic care riders can give surviving spouses independence and security by providing funds for long-term care without burdening children or draining other assets. We conclude by reinforcing that proactive, holistic planning is essential to protecting surviving spouses from financial stress and uncertainty.

    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 © 2022-2026 Hosler Wealth Management | All Rights Reserved.

    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.

    #ProtectingWealthPodcast #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

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    20 m
  • Joint Accounts in Estate Planning: Key Mistakes Families Make

    Joint Accounts in Estate Planning: Key Mistakes Families Make
    Apr 15 2026

    In this episode of Protecting & Preserving Wealth, we focus on estate planning—specifically, how often it is overlooked or improperly handled, and how good intentions can still lead to serious financial, tax, and family consequences. We walk through a real-life case involving a family that believed they had things mostly in order, only to discover after a parent’s death that the lack of proper planning created irreversible problems.
    📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k

    ⏱️ Chapters & Timestamps
    (00:00) Intro
    (01:00) Real-life family estate planning scenario
    (02:15) Joint tenancy and unintended disinheritance
    (03:50) Gift tax and family conflict risks
    (04:45) Step-up in basis and tax consequences explained
    (06:30) Million-dollar tax mistake breakdown
    (09:40) How common estate planning failures really are
    (11:00) Outdated plans and digital asset issues
    (12:00) How to contact Hosler Wealth Management

    We discuss a situation where a mother passed away without a will or trust, meaning she died intestate. One of her largest assets was a brokerage account held in joint tenancy with one of her children. While the account was likely structured this way to make things easier and avoid probate, the result was that the surviving joint owner automatically inherited the account outright. This unintentionally disinherited the other siblings, regardless of the mother’s likely wishes.

    We explain how this setup not only caused family tension, but also created significant tax consequences. Because the account was jointly owned, only half of the assets received a step-up in cost basis at death. The other half retained a very low original cost basis. With the stock having grown dramatically in value, this resulted in millions of dollars of unrealized gains and roughly one million dollars in avoidable capital gains taxes. We emphasize that if the account had been held solely in the mother’s name or inside a revocable living trust, the entire balance would have received a full step-up in basis, potentially eliminating capital gains taxes altogether.

    We also explain the gift tax issue that arises when the surviving sibling tries to “do the right thing” and distribute assets to the others. Those gifts may require filing gift tax returns and using up part of her lifetime exemption, potentially harming her own long-term estate plan. Beyond taxes, we highlight how these situations create confusion, resentment, and conflict among family members that can last for years.

    We zoom out to show how common this problem really is. Roughly 60% of Americans have no estate plan at all, and nearly 70% of existing plans are outdated. We also discuss newer issues like digital assets, which many older estate plans fail to address. Estate planning is not a one-time task—it must be reviewed and updated as laws, technology, and family circumstances change.

    Our core message is simple: estate planning is not about perfection, it’s about clarity. A proactive review with a trusted advisor can prevent massive tax bills and protect family harmony.

    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 © 2022-2026 Hosler Wealth Management | All Rights Reserved.

    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.

    #ProtectingWealthPodcast #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

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    14 m
  • New Tax Laws For You To Understand in 2026

    New Tax Laws For You To Understand in 2026
    Apr 1 2026
    Now that we are into 2026, we take a deep dive into several critical changes in tax law that will affect financial planning, estate strategy, and retirement contributions. At Hosler Wealth Management, taxes are a core focus of our work, and this episode unpacks the nuances and planning opportunities within four major updates. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k We begin with the One Big, Beautiful Bill Act, which makes tax rates for both income and estate taxes "permanent"—though in tax law, that only means until Congress changes them. For now, the extension of lower tax rates creates a prime window for Roth conversions. This is especially significant for those with large traditional IRAs and potentially taxable estates. Without conversion, those accounts could face both estate and income tax—resulting in a combined rate of 70–80%. By converting to Roth, clients can shield their heirs from that double hit, passing on assets that are not only tax-free but also less likely to drag down the estate’s overall value. We also break down new limitations on charitable deductions. Starting in 2026, a floor of 0.5% of adjusted gross income applies, meaning you can no longer deduct the first half-percent of your charitable giving. This makes Qualified Charitable Distributions (QCDs) from IRAs more appealing for those over 70½. For larger givers, we discuss strategies like bunching donations using donor-advised funds and donating appreciated assets like Apple or Nvidia stock. This approach not only avoids capital gains taxes but also front-loads deductions into one year—maximizing tax efficiency while still distributing donations over time. Next, we cover the Social Security Fairness Act, which repeals the Windfall Elimination Provision (WEP). Previously, government employees with pensions and limited Social Security work history saw reduced benefits. This change, now retroactive to January 1, 2024, restores their full Social Security entitlement. But there’s urgency—Social Security only pays retroactively for six months. So, if you're affected and haven't yet claimed, now is the time. Finally, we explain a key Roth-related shift in the Secure Act 2.0: starting in 2026, high earners making over $150,000 must make their 401(k) catch-up contributions into Roth accounts. The contribution amount increases to $8,000, with an additional $3,250 for those aged 60–63. While this change accelerates tax collection for the government, it presents long-term benefits for investors. It allows clients to build a larger tax-free retirement nest egg by leveraging the higher Roth 401(k) contribution limits, especially compared to traditional Roth IRAs. In summary, tax strategy continues to evolve, and it’s crucial to plan with both new rules and long-term goals in mind. If you need guidance navigating these changes, we’re here to help. ⏱️Chapters & Timestamps (00:00) – Intro: Welcome & Today’s Topic (00:33) – The One Big, Beautiful Bill Act: Permanent Tax Rates (01:25) – Why Roth Conversions Are More Attractive in 2026 (03:57) – New Limitations on Charitable Deductions (04:51) – Donor-Advised Funds & Tax Planning Strategy (08:28) – Social Security Fairness Act: WEP Repealed (11:48) – Secure Act 2.0: Roth Catch-Up Rules for High Earners (14:16) – Additional Catch-Up Contributions (Ages 60–63) (15:02) – How to Contact Hosler Wealth Management 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 © 2022-2026 Hosler Wealth Management | All Rights Reserved. Produced by JAG Podcast Productions - www.jagpodcastproductions.com. #ProtectingWealthPodcast #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler
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    17 m
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