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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
  • Private Investments

    Private Investments
    Aug 5 2026
    In this episode, we look at the growing role of private investments* and why investors may need to rethink the way they build portfolios. The public markets have changed in a major way. Years ago, there were more than 8,000 publicly traded companies in the United States. Today, that number is closer to 4,200. At the same time, business creation is strong, and many large companies are choosing to stay private much longer than they used to. That means some of the growth that once happened in the public markets now happens before everyday investors ever get access. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️ Chapters & Timestamps (00:17) Why More Companies Are Staying Private (03:21) Liquidity in Public and Private Markets (04:57) Market Concentration and Diversification (05:42) Why Consider Private Equity (07:05) Potential Benefits of Private Investments (08:08) Interval Funds and Return Expectations (09:21) Infrastructure and Venture Capital (11:56) Higher Fees and Limited Liquidity (13:47) How Much Could Belong in a Portfolio (14:49) Long-Term Holding Expectations We talk about how this shift has created a much larger private market opportunity. Jason explains that unicorn companies, which are private companies valued at more than $1 billion, have grown sharply since 2016. Companies like SpaceX and OpenAI are examples of businesses that may remain private for a long time before eventually going public. The reason is simple. Many owners now prefer the control, flexibility, and funding options that come with staying private. We also explain the main difference between public and private investments. Stocks, bonds, and crypto markets provide daily liquidity. Investors can buy and sell quickly. Private investments do not work that way. Like real estate or a privately held business, they may have value, but they are not easy to sell overnight. That lack of liquidity can be a drawback, but it can also reduce daily volatility. Private investments may help diversify a portfolio because they often do not move in the same way as public stocks and bonds. Alex explains that private equity, infrastructure, venture capital, and other private market investments may offer access to areas of growth that were once unavailable to many investors. These investments may also provide the potential for strong long term returns, especially when used as a small part of a broader portfolio. We also cover the risks. Private investments usually have higher fees than index funds or traditional mutual funds. They also require patience. Investors need to think carefully about how much money they may need over the next 5 to 10 years before committing funds to an illiquid asset. The team generally recommends considering an allocation of 5% to 20%, depending on risk tolerance, liquidity needs, and long term goals. The main point is that private investments are not for short term money. They belong in the long term bucket of a financial plan. Used carefully, they may offer access to opportunities outside the traditional stock and bond markets while helping broaden diversification. Every investor should at least ask whether private investments belong in their portfolio. *Private Investment Disclosure: Private investments involve significant risk, limited liquidity, higher fees, valuation uncertainty, and possible loss of principal. Redemptions may be restricted or unavailable, and past or projected performance is not guaranteed. Eligibility requirements may apply. This material is educational only and is not an offer, recommendation, or legal, tax, or investment advice. 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 our Prescott office at (928) 778-7666 or our 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/Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information, and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to.Copyright © 2022-2026 Hosler Wealth Management | All Rights Reserved. Produced by JAG Podcast Productions - www.jagpodcastproductions.com. #ProtectingWealthPodcast #...
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    19 m
  • In-Kind Roth Conversions When The Market Dips

    In-Kind Roth Conversions When The Market Dips
    Jul 15 2026
    In this episode of Protecting and Preserving Wealth, we talk about how market volatility can create planning opportunities, especially through in-kind Roth IRA conversions. The focus is on using market dips to move investments from a traditional IRA into a Roth IRA at a temporarily lower value. The goal is to reduce the taxable amount of the conversion while allowing the rebound to happen inside the Roth, where future growth may be tax-free. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️ Chapters & Timestamps (00:00) Welcome and gifting topic (00:41) Lifetime gifting for families (02:16) Start with the financial plan (02:53) 2026 gift and estate limits (03:22) Avoid gift splitting mistakes (05:17) 529 plan front-loading (06:25) Appreciated asset caution (08:00) Donor-advised fund strategy (10:17) Gifting above annual limits (14:24) Control after gifting Bruce explains the strategy with a simple example. If a stock like Nvidia is held in an IRA and drops 10%, the shares can be transferred directly into a Roth IRA without being sold. That is the in-kind conversion. If the investment was worth $100,000 before the dip and falls to $90,000, only $90,000 is recognized for tax purposes when it is converted. If it later recovers to $100,000 inside the Roth, that $10,000 recovery happens in the tax-free account. Bruce describes this as a $20,000 tax-free move because the client avoids converting at the higher value and captures the recovery inside the Roth. Alex adds that market dips are common. Historically, the S&P 500 has averaged a drawdown of about 14% to 15% in a year. That does not mean a dip is guaranteed every year, but it does mean investors can prepare for those opportunities. The assets that tend to work best for this strategy are growth-oriented investments, such as stocks, ETFs, and mutual funds. These are the assets that usually experience more volatility and may have more room to recover after a decline. Bruce also explains that preparation matters. Clients who are old enough to take required minimum distributions must take their RMD before doing a Roth conversion. He recommends getting RMDs done early in the year so the conversion opportunity is not delayed. A tax plan should also be completed in advance so the client knows how much they want to convert without creating unwanted tax issues, higher brackets, or IRMAA penalties. The conversation also covers what Bruce calls the “November list.” This is a strategy for paying taxes later in the year through IRA withholding. Instead of making estimated payments earlier, some clients wait until November and have taxes withheld from an IRA distribution. Bruce says the IRS treats that withholding as if it had been paid evenly throughout the year. This allows the funds to remain invested longer before the tax payment is made. Alex notes that Roth conversions can be useful not only for retirement planning but also for legacy planning. Roth accounts may benefit spouses and heirs because the growth can be tax-free. He also points out that conversions do not always need to be large. Smaller strategic conversions during market dips can add up over time. Bruce closes by explaining that many advisors wait until the end of the year to decide on Roth conversions. Hosler Wealth Management takes a more proactive approach by planning ahead, identifying the conversion amount, and being ready when a market dip occurs. The episode emphasizes that while no one can perfectly time the market, being prepared can make volatility work in a client’s favor. 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 our Prescott office at (928) 778-7666 or our 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/Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information, and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to.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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    16 m
  • Lifetime Gifting Strategies For Successful Families

    Lifetime Gifting Strategies For Successful Families
    Jul 1 2026
    Lifetime gifting strategies are how financially successful families can pass wealth to the next generation while still alive. Gifting is not just for the ultra-wealthy. It is a practical tool for families who want to see their children benefit from their financial success in real time. Having a foundational financial plan allows us to determine how much can be gifted without putting retirement at risk. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k Today we break down the current gifting rules and highlight that the annual gift exclusion is $19,000 per recipient. We warn against gift splitting with a single check because it triggers a gift tax return that must be maintained permanently. Instead, each spouse should gift separately to avoid unnecessary paperwork. Also, there is no limit on the number of recipients, which allows families to spread wealth efficiently without tax consequences. Gifting often comes at critical life moments such as buying a home, starting a family, or making a career move. These are times when financial support can have the greatest impact. 529 plans are also a powerful strategy; families can front-load up to five years of gifts into these accounts, allowing for significant tax-free growth while supporting education. We caution against gifting appreciated assets like stocks or real estate because recipients inherit the original cost basis and may face capital gains taxes. Instead, we suggest using those assets for charitable giving through donor-advised funds (DAFs). These allow families to receive a tax deduction, avoid capital gains, and involve future generations in philanthropy. We also address estate tax planning for larger estates. We explain that amounts above the exemption threshold can face a 40% tax, so strategic gifting can reduce future tax burdens. Even gifting above the annual limit can be beneficial if properly reported. We close by discussing the emotional side of gifting. We explain that parents must balance generosity with letting their children learn from experience. We stress the value of financial guidance for the next generation and the importance of preparing them to manage wealth responsibly. Ultimately, we highlight that lifetime gifting is not just about tax efficiency. It is about creating meaningful impact and strengthening family legacy. ⏱️ Chapters & Timestamps (01:44) Supporting Children at Key Life Moments (02:16) Financial Planning Before Gifting (03:00) Gift Tax Rules and Common Mistakes (05:17) 529 Plans and Front-Loading Strategy (06:25) Risks of Gifting Appreciated Assets (08:00) Donor Advised Funds Explained (10:17) Estate Tax Strategy for Large Estates (14:24) Letting Children Learn Financial Lessons (17:52) Privacy and Financial Guidance (18:32) 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 our Prescott office at (928) 778-7666 or our 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/Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information, and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to.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
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