Kowal Investment Group - Now Creative Planning

Jeff Kowal discusses lessons learned from 9/11 as it relates to your financial plan. Then he touches on American inventions that created the modern world. Later Anthony Priester joins the show to examine a dangerous financial mistake some retirees make and the importance of retirement income planning. And Jeff wraps up the show with thoughts on early retirement and what to consider.

Aaron Kowal discusses the phases of retirement and how your mindset shifts over time. Later Jeff Kowal joins the show to shed light on financial challenges that couples with age gaps face. And then Aaron wraps up the show with opportunity zones made permanent by OBBBA.

Chaunsy Weisensel discusses seasonal living and key considerations if you’re splitting time between states. Later Jeff Kowal joins the show to share thoughts on attitudes regarding the economy and wealth. Then Chaunsy wraps up the show with changes in contribution limits and which accounts you may want to consider maxing out.

Aaron Kowal discusses key strategies for turning your 401k into a plan for a paycheck in retirement. Later Jeff Kowal joins to share thoughts on the tug of war parents are facing when it comes to paying for retirement and college. The Aaron wraps up the show a loophole for high earners.

Aaron Kowal discusses sequence of returns risk and strategies when you retire into a down market. Later Jeff Kowal joins to share thoughts on Americans retiring earlier than planned and the importance of planning for the unexpected. Then Aaron wraps up the show with an asset that could be the most dangerous item in an estate plan.

Aaron Kowal highlights common financial scams and tips to help identify financial scam risks. Later Jeff Kowal joins to share thoughts on delaying social security or choosing to take it sooner. And Aaron wraps up the show with key estate planning tools and strategies for high-net-worth families.

Jeff Kowal discusses why healthspan matters just as much as lifespan and touches on baby boomers buying bigger homes instead of downsizing. Later Anthony Priester joins to shed light on senior scams and what to look out for. Then Jeff examines America’s most generous 401k plans and wraps up the show with the great wealth transfer.

Jeff Kowal discusses the number one decision for aging retirees and important questions to ask before you decide. Then he touches on why a living will may not be enough. Later Chaunsy Weisensel joins to share thoughts on why longevity literacy is the missing piece in financial planning. And Jeff wraps up the show with record 401k balances and splurging on travel in retirement.

Aaron Kowal explains the gray-zone years leading up to retirement and key planning moves you should consider ahead of retirement. Then he touches on how you can create retirement paycheck. Later Jeff Kowal joins to discuss income sources for retirees. And Aaron wraps up the show with asset location vs asset allocation.

Jeff Kowal examines the retirement tax break most people overlook and penalty-free withdrawals. Then he touches on aging in place and converting your home for your needs. Later Anthony Priester joins to discuss the social security trust fund report and what it means for current and future beneficiaries. And Jeff wraps up the show with thoughts on retiring early and important estate planning lessons.

Jeff Kowal discusses considerations for those thinking about retiring early and why others are delaying retirement. Then he touches the great wealth transfer and why forced Roth 401k catchup rule could benefit you. And Jeff wraps up the show with the average inheritance people receive and the legal and tax implications.

Chaunsy Weisensel shares tips to help you thrive in retirement and the importance of identifying what retirement looks like for you. Then he discusses the 5 credit card mistakes people make and suggestions to help you avoid them. And Chaunsy wraps up the show by examining passive versus active investing and the benefits and drawbacks of each.

Jeff Kowal discusses the boomer dilemma and potential implications of inheriting real estate. Later Chaunsy Weisensel joins the show to talk about spending too much time on social media in retirement. Then Jeff touches on the average net worth of baby boomers. And later wraps up the show with worries about cash flow in retirement and trouble spending savings.

Aaron Kowal discusses the great wealth transfer happening now and important estate planning essentials for families. Later Jeff joins the show to talk about workers who are opting to retire instead of learning AI. Then Aaron wraps up the show with concentrated stocks and diversification strategies that can help alleviate the tax burden.

Chaunsy Weisensel discusses the implications of 2025 tax law changes and the refunds some are receiving, plus considerations for your refund. Later Jeff joins the show to examine the slow fade to retirement and why you may want to collect social security while you’re still working. Then Chaunsy wraps up the show with the Creative Planning process and what you can expect from your initial meetings.

Jeff Kowal and Chaunsy Weisensel discuss the increase in the “magic number” you need to retire and touch on savings suggestions. Later Jeff and Chaunsy examine financial scams and what you need to watch out for. Then they wrap up the show with tax-efficient strategies for your mandatory IRA withdrawals.

Aaron Kowal discusses what happens to your 401k when you leave a job and what you should do, then touches on what retirement is for and important considerations. Later Jeff joins the show to examine couples with age gaps and the financial challenges they face. And Aaron wraps up the show with asset location vs asset allocation.

Aaron Kowal discusses tax bracket management and why many retirees are paying too much in taxes. Later Jeff Kowal joins the show to share thoughts on why you may want to wait to take social security at age 70. Then Aaron wraps up the show by examining the importance of asset protection planning.

Jeff Kowal discusses why you should start retirement planning in your 20s and the benefits of compound interest. Then Jeff answers how you could handle a timeshare you’ve inherited but don’t want. Later Chaunsy Weisensel joins to share 5 reasons why you should roll over your retirement funds to an IRA. Then Jeff touches on life insurance and wraps up the show with how you can fix your out-of-date trust.

Jeff Kowal examines the ‘silver tsunami’ and what it could mean for millions of jobs, employees and the small business landscape. Later Aaron Spitzner joins the show to discuss Roth conversions and what factors you should consider. Then Jeff wraps up with thoughts on adult kids getting their inheritance sooner and how parents are doing it.

Aaron Kowal discusses what artificial intelligence can and cannot do when it comes to financial planning. Later Jeff Kowal joins to share the best and worst housing markets for retirees and why cities in the mid-west are dominating the housing market. Then Aaron wraps up the show with romance scams and what to watch out for.

Jeff Kowal opens the show with a discussion on the 10 things you need to know about social security. Later Chaunsy Weisensel joins to share the top places to retire for your health and what factors to consider. Then Jeff touches on how rare it is to retire with a million dollars and wraps up the show with thoughts on the great wealth transfer.

Aaron Kowal discusses longevity risk and key components for longevity planning. Later Jeff joins to share 5 financial blind spots for grieving spouses and how you can prepare now. Then Aaron touches on required minimum distribution planning and avoiding tax torpedoes. And wraps up the show with benefits of phantom equity.

Chaunsy Weisensel discusses the importance of having a plan in place and shares a checklist for what you should do if your spouse passes away. Later Jeff joins the show to examine how retiring early is becoming more difficult. Then Chaunsy wraps up the show with tips for teaching your children about money.

Aaron Spitzner opens the show with a review of the Creative Planning process and what you can expect from your initial meeting. Then he dives into how much money parents need to raise children. Later, Jeff Kowal joins to discuss spending in retirement and building a plan around what you have saved. And Aaron wraps up the show with why you shouldn’t rely on AI to plan your retirement and changes to thrift savings plans.

Jeff Kowal discusses the dangers of one spouse handling all the finances and the importance of organization and consolidation. Later, Chaunsy joins to share insights on life expectancy and financial planning. Then Jeff touches on early retirement distribution penalties and exceptions and wraps up the show with navigating unexpected health and financial issues.

Aaron Kowal reviews the 2025 market summary, highlighting key components in the year and how estimates compared to outcomes. Then Aaron shares a New Year checklist for retirees. Later, Jeff Kowal joins the show to discuss the five times when you should not name your spouse as your beneficiary and touches retirement regrets. And Aaron wraps up the show with 2026 tax planning tips for small business owners.

Jeff Kowal discusses how living to age 100 is becoming more common and the importance of planning so you don’t outlive your money. Then Jeff touches on IRA rulings in 2025. Later, Aaron Spitzner joins the show to help answer the popular question, how to know when you are financially ready to retire? Jeff touches on cost of living and wraps up the show with estate planning must haves.

Jeff Kowal opens the show with thoughts on growing brands, social security, long-term care and new contribution limits for 2026. Later Chaunsy joins to discuss why you may want to start giving your money to your adult kids now. Then Jeff touches on why all your retirement savings shouldn’t be in a 401k and wraps up the show with his thoughts about giving money to your adult children.

Aaron Spitzner and Chaunsy Weisensel discuss the state of the markets as the year comes to a close. Then Aaron shares insights regarding year-end tax planning and tax changes under the One Big Beautiful Bill Act. And Chaunsy wraps up the show with benefits of Health Savings Accounts.

Jeff Kowal discusses what can happen when one spouse makes all the financial decisions. Then he touches on life events that can derail your retirement plans. Later, Aaron Spitzner joins to share insights on transferring wealth and assets such as a home. And Jeff wraps up the show with trust reveals and money conversations.

Jeff Kowal and Aaron Spitzner discuss tax items in the big beautiful bill act including senior deductions and social security. Then Aaron touches on Trump accounts and how you can utilize them for your child. Later Jeff shares mistakes people make when transferring their 401ks to IRAs. Then Aaron and Jeff wrap up the show with estate planning mistakes to avoid.

Jeff Kowal opens the show by answering common IRA questions clients are asking financial advisors. Later Chaunsy Weisensel joins to discuss the lack of progress workers are making with retirement savings. Then Jeff touches on considerations for aging in place and wraps up the show why you need to look at total planning, not just what you have in stocks.

Chaunsy Weisensel opens the show with a summary of markets in Q3 and the importance of time in the market. Later, he shares insights on behavioral finance and how you can change your mindset. And then Chaunsy closes the show with charitable donation changes in 2026.

Aaron Kowal discusses the SECURE Act 2.0 and what high earners need to know. Then touches on ways you can catch up on retirement savings. Later Jeff Kowal joins to share how ‘401k leakage’ can drain your retirement savings dry. And Aaron wraps up the show with why wealth preservation matters.

Aaron Kowal discusses key considerations for determining when you should take social security. Jeff Kowal joins the show to share reasons you may want to take social security early. Then Aaron touches on 10 tech tools that can help support your retirement lifestyle and wraps up the show with 401k contribution limits and catch-ups.

Aaron Spitzner opens the show with a discussion on interest rates and borrowing costs, then touches on tax strategies for non-qualified annuities. Later Jeff Kowal joins the show to discuss Roth IRAs and their growing popularity among young people. And Aaron Spitzner wraps up the show with catch-up contributions limits and changes.

Aaron Kowal opens the show with a discussion on the average retirement savings by age group and the saving challenges each generation faces. Then shares 6 tips to help preserve and grow the value of your investments. Later Jeff joins the show to discuss how much Americans say they need to comfortably retire and touches on a common regret many women investors have. And Aaron wraps up the show with benefits of utilizing dynasty 529 plans.

Aaron Spitzner and Chaunsy Weisensel open the show by touching on Kowal Investment Group’s move to Creative Planning, who Creative Planning is and the benefits to the clients. Aaron and Chaunsy then discuss why you shouldn’t take financial advice from social media and wrap up the show with home title theft, plus the things you should know before locking your home title.

Jeff Kowal discusses navigating market volatility and downturns in the market, shares insights on tax-loss harvesting, and touches on potential issues executors and beneficiaries face.

Jeff Kowal explains how getting older is better than it used to be and touches on retirement planning regrets. Chaunsy joins to discuss navigating healthcare insurance when you retire early and various planning options. Then Jeff wraps up the show with insights regarding the widow tax.

Jeff Kowal and Aaron Spitzner discuss utilizing 529 plans and UTMA accounts to save money for children and grandchildren. Then dive into senior scams and cyber fraud and examine how you can protect the people you care about. Jeff and Aaron wrap up the show with thoughts on how you can protect your child’s inheritance.

Aaron Kowal shares how you can stress test your financial plan for major life events to help protect yourself and your family. Jeff joins to discuss what you need to know about retirement income and the IRS. Aaron touches on maximizing business liquidity and then wraps up the show with the power of gifting during your lifetime.

Jeff Kowal opens the show with a reminder about retirement account portability then discusses waning and waxing sibling bonds and how to safeguard them. Chaunsy Weisensel joins to share insights and tips for those who wish to retire early. Then Jeff touches on scam losses and taxes and wraps up the show with thoughts on estate planning priorities for people without children.

Aaron Kowal discusses the important documents every retiree should have and how each can help you and your estate. Jeff Kowal joins to discuss longevity among women and the great wealth transfer, and touches utilizing your 401k as an emergency fund. Then Aaron wraps up the show with insights on how you can protect your portfolio from heirs who aren’t ready.

Jeff Kowal discusses how sudden wealth can lead to financial mistakes and what you can do to manage it. Then touches on Americans using their 401k as an emergency fund, required minimum distributions, and social security. And wraps up the show with the dispute over Jimmy Buffett’s estate.

Aaron Kowal discusses how you can lower taxes in retirement without lowering your lifestyle, examines how the One Big Beautiful Bill Act influences succession planning, and wraps things up with how you can transfer wealth without turning your kids into brats.

Aaron Kowal discusses the One Big Beautiful Bill Act, touches on many of the provisions within the bill, and explains why it is so important to work with a team of professionals to help you navigate through the latest laws.

Chaunsy Weisensel examines the importance of financial organization and shares a ten-step checklist to help make sure you are on track with your financial goals. Jeff Kowal joins to discuss America’s biggest companies cutting their workforces and what to do if you are forced to retire early. Then Chaunsy wraps things up with direct indexing and how it can be utilized.

Jeff Kowal and Aaron Spitzner share new reporting updates for 2025 qualified charitable distributions, discuss how much Americans are saving for retirement and determining how much they may need in retirement. Then Jeff and Aaron wrap things up by touching on five common financial mistakes people make when getting divorced.