Protecting & Preserving Wealth Podcast Por Bruce Hosler arte de portada

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
  • 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
  • QCD Update for 2026 - Advice You Should Know

    QCD Update for 2026 - Advice You Should Know
    Mar 18 2026

    In this episode of Protecting and Preserving Wealth, we dive into key updates around Qualified Charitable Distributions (QCDs) for 2026. QCDs allow individuals age 70½ and older to make direct charitable donations from their IRA accounts, and this episode is especially relevant for clients looking to manage taxes effectively while giving charitably.

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

    ⏱️ Chapters & Timestamps
    (00:00) – Introduction
    (00:36) – Who qualifies for QCDs?
    (01:34) – QCDs for inherited IRAs
    (02:21) – Why timing matters: turning 70½
    (03:43) – Tax advantages of QCDs
    (04:21) – How to properly execute a QCD
    (05:13) – Limits and benefits for married couples
    (05:42) – 401(k) rollover considerations
    (06:19) – No donor-advised funds or benefits allowed
    (07:40) – QCDs must be in cash, not stock
    (08:50) – Strategic tax benefits of QCDs
    (10:46) – New IRS Code Y on 1099-R forms
    (12:10) – Contact info and final thoughts

    We begin by clarifying the age requirement. You must be exactly 70½ to make a QCD — not before, not even within the same tax year if you haven't reached that age yet. This often confuses clients, especially early in the year when they expect eligibility based solely on the calendar year. Importantly, you don’t need to be taking Required Minimum Distributions (RMDs) to utilize QCDs. Even if RMDs don’t kick in until 73 or 75, you can still make a QCD at 70½.

    Another common question we addressed is whether inherited IRA beneficiaries can make QCDs. The answer is yes — as long as they are 70½. A QCD can satisfy RMDs from an inherited IRA, but the age rule still applies. For 2026, the annual QCD limit is $111,000 per person, meaning couples could potentially give up to $222,000.

    We also discuss the mechanics. The distribution must be made directly from your IRA to the charity. You can’t take the money into your personal account and then donate it — doing so disqualifies the distribution from being a QCD. Additionally, you cannot direct a QCD to a donor-advised fund or receive any benefit (like a charity dinner ticket) in return. The transaction must be completely tax-neutral — for both you and the charity.

    We emphasize that QCDs must be made in cash; donations in-kind (like appreciated stock) from an IRA don’t qualify. We caution against using Roth IRAs for QCDs due to complexity and potential tax consequences. Traditional IRAs are the cleanest route.

    Jason outlines several strategic reasons to use QCDs: reducing taxable income to protect Social Security benefits, avoiding IRMAA surcharges on Medicare, qualifying for the new 2026 senior deduction (between $150,000–$250,000 AGI), and preserving room for Roth conversions. These moves can result in substantial long-term tax savings.

    Lastly, Alex explains a new IRS reporting feature: a “Code Y” in Box 7 of the 1099-R to identify QCDs. While optional for custodians in 2025, it becomes more prominent in 2026.

    It’s a helpful safeguard to ensure QCDs are properly reported as non-taxable — but documentation remains critical.

    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
  • The New Trump Accounts and What They Will Do

    The New Trump Accounts and What They Will Do
    Mar 4 2026

    In this episode, we explore the upcoming Trump Accounts and what they could mean for American families. These accounts, born from the OBBBA legislation, will officially launch on July 4, 2026. Children born between January 1, 2025, and December 31, 2028, will automatically receive a $1,000 federal contribution into their Trump Account. But the scope is much broader—children under 18 will also be eligible to have these accounts opened and funded by parents, grandparents, or even employers.

    We break down how this initiative could help build a new generation of capitalists by allowing children to invest from birth and potentially accumulate significant wealth before adulthood. Unlike IRAs or Roth IRAs, which require earned income, Trump Accounts do not. This means tax-deferred investment growth for up to 18 years, an opportunity previously unavailable to most minors. Once a child turns 18, the account transitions to a traditional IRA, with all standard rules applying.

    We also dive into how contributions—up to $5,000 per year from family and $2,500 from employers—can compound over time. That $5,000 is indexed for inflation, making this a long-term, scalable wealth-building tool. Investments are limited to low-cost U.S.-based index funds, such as the S&P 500 or Dow Jones, reinforcing the theme of investing in America.

    There’s also a compelling policy angle here. Employers can contribute to these accounts as a benefit to attract talent, and those contributions won’t count toward the employee’s taxable income. Additionally, philanthropic involvement—like Michael Dell’s recent $6 billion pledge—could play a pivotal role. We discuss how charitable deductions could potentially apply if large donations are made to the Trump Account system, though specifics are still evolving.

    We raise awareness about critical timing rules—particularly the need to fund these accounts before a child turns 18. Once that calendar year starts, eligibility ends. We emphasize that while withdrawals aren’t allowed before age 18, after that point, traditional IRA rules apply, including potential penalties for early withdrawals before age 59½.

    Overall, this is more than just a savings account—it’s a transformative financial tool. We see this as a chance to teach kids about long-term financial planning, compound interest, and the power of deferred gratification. These accounts could lay the groundwork for financial independence, generational wealth, and a broader sense of ownership in the American economy.

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

    ⏱️ Chapters & Timestamps
    (00:00) – Introduction and Episode Overview
    (00:28) – What Are Trump Accounts?
    (01:57) – Policy Background and Eligibility
    (03:00) – Investment Options and Index Requirements
    (05:11) – Legacy Planning and Generational Wealth
    (06:57) – Contributions: Parents, Grandparents, Employers
    (07:42) – Philanthropy and Charitable Deductions
    (10:34) – Rules, Restrictions, and Early Withdrawal Penalties
    (13:05) – Behavioral Benefits: Delayed Gratification
    (14:35) – Contact Info and Final Thoughts

    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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    16 m
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