The Financial Call

Does it feel like you’re constantly being pitched life insurance? There’s a reason for that and we’re going to tell you why. In this episode, Zacc Call and Laura Hadley explore the intricacies of life insurance. Zacc shares his journey with thyroid cancer and underscores the value of life insurance in providing financial security during unforeseen health issues.  They discuss the importance of determining the right amount of coverage, differentiating between term and permanent life insurance, and the potential pitfalls of policies with investment components.  The conversation also covers the motives behind selling permanent life insurance, the role of financial professionals, and the considerations for children's life insurance and funeral costs. Zacc and Laura discuss: Zacc’s personal story about being diagnosed with thyroid cancer & how it impacted his ability to obtain life insurance How you can determine the right amount of insurance coverage for your situation The investment aspects of permanent life insurance Life insurance for children + employer-provided insurance And more   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Are you tired of paying high taxes and want to keep more of your hard-earned money?   In this episode, Zacc Call and Laura Hadley break down various tax strategies to help you save money on your taxes. While they focus on tax strategies geared towards retirees, many of the tax strategies discussed can be applied at any age!   Zacc and Laura discuss:   Different tax strategies for retirees  Some strategies that can be applied at any age The purpose of tax diversification How you can set yourself up for success in the future And more   Resources:   Guided Path 4-3 How Non-Retirement Investments Are Taxed  Giving Smarter - Donor Advised Funds DAFs – The Packing Cubes of Charitable Giving   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network  

Benefits can be complex to understand, especially when remarriage or spouse deaths are involved.   And by not understanding them in detail, we may miss what we are entitled to get.   In this episode, Zacc Call and Laura Hadley chat with Jayson McGinnis, a wealth advisor at Capita Financial Network, to give details regarding divorce, remarriage, and survivor benefits. Additionally, they explain the strategy in which a couple can get divorced to improve their Social Security benefits and then get married again.   Zacc, Laura, and Jayson discuss:   The benefits you are entitled to get from the person you marry or divorce, and how to maximize them How ex-spouses aren't notified when they apply for divorce spousal benefits How a higher income could cancel the continuity of survivor benefits The importance of keeping track if your ex-spouse is still alive The time a client had to remarry her current husband to get the benefits of her previous marriage when the husband passed away And more   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Jayson McGinnis:   LinkedIn: Jayson McGinnis   About Our Guest:   Jayson McGinnis is a Wealth Advisor at Capita Financial Network and a Certified Financial Planner™ professional. He was born and raised in Washington state and moved to Utah after serving a Russian speaking church mission in Sacramento, CA. Jayson obtained his commercial pilot’s license while attending Utah Valley University and earned a Bachelor’s degree in Aviation Science. He made a career pathway change in 2006 from professional pilot to finance. Jayson began his career in financial services in 2007 at Fidelity Investments. He joined Capita in 2019. His ability to simplify complex financial planning strategies has allowed him to educate and connect with clients. Jayson is sincere and warm and enjoys the process of learning the unique needs, goals, and concerns each client has. His mission is to provide a premier planning experience for his clients while creating and managing their plan, helping them avoid pitfalls, and being on deck and available to them anytime a need arises.

Benefits can be confusing when it comes to knowing what's available and how to get them.   For spouses, there are benefits and strategies that not everyone knows about, and once you know them, it's crucial to understand their details to maximize them.   In this episode, Michael Littledike, Founder and CEO of Capita Financial Network, talks with Zacc Call and Laura Hadley to help people understand the Social Security spousal benefits and clarify the most common mistakes they see regarding this topic.   Zacc, Laura, and Michael discuss:   How a spouse is entitled to get half of the other spouse's Primary Insurance Amount (PIA) at full retirement  What happens to the PIA if the primary worker or the spouse takes their benefits before or after their full retirement age How a divorced spouse can receive benefits out of that marriage if it lasted for at least ten years The importance of knowing your personal benefits before applying for others The cost of living adjustment on spousal benefits to keep up with inflation And more   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Michael Littledike:   LinkedIn: Michael Littledike Capita Financial Network

Retirement benefits like Social Security make a world of difference for people in retirement.    So how much should you expect to receive from these benefits? And in addition, where does the money from these benefits come from?   In this episode, Zacc Call and Laura Hadley dive deeper into the ins and outs of Social Security by explaining how you can estimate how much you will receive, how to maximize your benefit if you are self-employed, how the government accumulates the money in the Social Security trust fund, and more.   Zacc and Laura discuss:   What FICA tax is and how you benefit from it in the future “Primary insurance amounts” and how yours is calculated How to maximize your government retirement benefits if you’re self-employed  What compensation you can expect from the government when retired And more   Resources:   The Financial Call: Social Security Basics Refresher With Tyler Williamson (2-1)   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

People make a lot of assumptions about Social Security, and unfortunately, this mistake can come back to bite once you are ready to retire.   Despite what many might think, you’ll want to learn about Social Security benefits long before you retire and this episode is the perfect place to do just that!   In this episode, Tyler Williamson shares his expertise about Social Security and explains how you can avoid some of the common mistakes people make when planning their income before and during retirement.   Zacc, Laura, and Tyler discuss:   What you have to look forward to in this season How to maximize your benefit of Social Security during retirement Common mistakes retirees make when taking out their Social Security and how you can avoid them How Social Security is nationally accumulated and how the US is planning to support the overwhelming size of the baby boomer population And more   Resources:   The Financial Call: Income Planning for Investors Ages 40 to 60   Connect With Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Tyler Williamson:   LinkedIn: Tyler Williamson   About Our Guest:   Tyler Williamson is a partner with Capita Financial Network. He is one of the most tenured advisors at Capita. Tyler is a Social Securities expert and often does presentations about them. Tyler often helps people with a lot of money in high net worth planning. He helps people that have barely saved anything, so he understands a wide array of financial planning issues.

Now that we have discussed what you need to know as a young investor, we now need to discuss what you need to know as an experienced or wise investor approaching retirement.   If you want to know how to retire as early as possible, you’ll want to listen to this episode.   In this episode, Zacc Call and Laura Hadley provide professional advice about investing and curating your retirement plan in the later years of life and how you can minimize the time it takes you to retire.   Zacc and Laura discuss: Preventing financial crisis in the later years of life How to map out your numbers - your debt, future cash flow, and assets How you can minimize how long it takes you to retire Why you should use multiple tax structures in retirement And more   Resources:   The Financial Call: Income Planning for Investors Ages 25 to 40   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Your age has a large impact on how and when you will plan your income, invest your money, and spend your time.   In this episode, Zacc Call and Laura Hadley discuss how individuals aged 25-40 can enhance their income planning strategies and capitalize on the amount of time they have to invest.   Zacc and Laura discuss: How to increase your earning power Four ‘financial fires’ that can impact your income Where you can put your next dollar to organize your income And more   Resources:   The Financial Call: Retirement Income Risks With Tyson Long, CFP®, CPWA® (Ep.4)   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Inflation can heavily impact your retirement plan, so how can you make your retirement funds grow alongside inflation?   In this episode, Zacc, Laura, and Tyson Long discuss the impact of inflation on people reaching or in retirement. They also highlight how their team takes downturned markets into consideration when formulating personalized financial plans.   Tyson discusses: The concept of risk inflation and how you can prepare for it in retirement The ‘retirement danger zone’ when investing your retirement funds How Capita Financial Network integrates the possibility of low markets into the retirement plans they formulate Identifies what a sequence of return risk is and the solutions for it And more   Resources: The Financial Call: Making Pension Decisions With Bart Wagstaff, CFP® (Ep.3)   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect With Tyson Long:   LinkedIn: Tyson Long, CFP®, CPWA®   About Our Guest: Tyson Long is a fellow Wealth Advisor at Capita Financial Network. He is on the show to share his expertise around tackling inflation when you are nearing or entering your retirement.

Pensions aren’t the same for everyone, therefore it is important to organize yours in a way that meets your financial needs and habits.   In this episode, Zacc Call, Laura Hadley, and Bart Wagstaff, CFP®, discuss the ins and outs of pensions and go into significant detail about whether you should take the lump sum or monthly pension benefit.   Bart discusses: A definition of a required rate of return and how it can be used to your benefit  The process of deciding between a lump sum or monthly pension benefit The importance of being honest with yourself about your financial habits The role of a wealth advisor in helping you decide what pension benefit is best suited for your needs And more   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect With Bart Wagstaff, CFP®: LinkedIn: Bart Wagstaff   About Our Guest:   Bart Wagstaff, CFP®, is a partner and financial advisor at Capita Financial Network. He attended the David Eccles School of Business at the University of Utah which developed his skills in becoming a financial advisor here at Capita Financial Network.   He is a Certified Financial Planner and has obtained his Series 7. 

As you accumulate wealth for retirement, inflation brings down the value of your savings and makes it harder for you to retire comfortably. In this episode, Tyler Williamson, a Social Securities expert at Capita, discusses the role of Social Security before and during your retirement. He also answers some commonly asked questions about Social Security and describes how to capitalize on the benefits. Zacc, Laura, and Tyler discuss: The benefits of Social Security and how it affects your retirement planning process When to you should apply for Social Security Spousal planning techniques and how they continue to change  How Social Security combats the effects of inflation on your retirement plan And more Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Shannon Lundberg LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Tyler Williamson:   LinkedIn: Tyler Williamson   About Our Guest:   Tyler Williamson is a partner with Capita Financial Network. He is one of the most tenured advisors at Capita. Tyler is a Social Securities expert and often does presentations about them. Tyler often helps people with a lot of money in high net worth planning. He helps people that have barely saved anything, so he understands a wide array of financial planning issues.

The transition into retirement can be spooky. It can leave you nervous thinking about how much money you will need to have in retirement and when it is okay to retire.  In this episode, Zacc Call, CFP®, and Laura Hadley explain how to manage your portfolio withdrawals. They also share the importance of taking the right percentage of your investments out each year and how it can affect your retirement plan. Zacc and Laura discuss: What discussions you can look forward to in the coming episodes Discovering what amount of money you will be satisfied with in your retirement Strategies to combat inflation leading up to and during your retirement Finding the right withdrawal rate from your portfolio for a satisfying retirement And more Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Shannon Lundberg LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Are you a homeowner or looking to become one? Here’s where you can learn about all the insurance you may need!   Listen in as Zacc and Laura are joined by insurance professional Spencer Shelton to delve into property and casualty insurance. They discuss various personal and commercial insurance types, including auto, home, and umbrella policies.    Spencer explains the nuances of homeowners' insurance, such as the differences between HO-3, HO-4, and HO-5 policies, and the significance of flood insurance.    The conversation highlights the importance of understanding insurance coverage, the benefits of umbrella policies, and the need for individuals to review and discuss their insurance needs with agents.   Other discussion points include: The essentials of casualty and property insurance Understanding your homeowners’ insurance policy Car insurance, umbrella policies & how to protect your assets The role of insurance agents in your financial journey And more   Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Spencer Shelton: LinkedIn: Spencer Shelton Shelton Insurance Group  

In this special bonus episode Zacc Call joins Erik Soderborg on the 90 Days from Retirement Youtube channel to delve into the most pressing questions from the internet following their recent episode on Roth vs. Traditional. This engaging discussion offers valuable insights and answers to commonly asked questions, providing listeners with a comprehensive understanding of the complexities surrounding these critical financial decisions. Topics covered include: Traditional & RMDs (Required Minimum Distributions): Unpack the nuances of Traditional retirement accounts and navigate the intricacies of Required Minimum Distributions. Are Taxes Going Up? Explore the current landscape of tax policies and discuss whether taxes are expected to increase in the foreseeable future, influencing retirement planning strategies. Roth Income Limits: Shed light on the income limits associated with Roth IRAs and how they impact eligibility and contributions. Spousal IRA: Provide guidance on the often-overlooked Spousal IRA option, offering couples additional avenues for optimizing their retirement savings. Backdoor Roth: Demystify the concept of a Backdoor Roth IRA and explain how it can be a strategic option for individuals facing income limitations for direct Roth contributions. Will Roths Be Taxed? Delve into the speculation and considerations surrounding the potential taxation of Roth IRAs in the future, offering listeners a forward-looking perspective on their retirement planning. To get the full spectrum of information, make sure to check out the complete video on the 90 Days from Retirement YouTube channel. Additionally, visit Erik Soderborg's website at 90daysfromretirement.com for more resources, tools, and insights to empower your journey towards a secure and fulfilling retirement. Don't miss this bonus episode packed with expert advice and practical tips to navigate the Roth vs. Traditional dilemma and make informed decisions for your financial future. Questions from the Internet: Roth vs. Traditional - https://www.youtube.com/watch?v=-U_su7Ak7QE Watch the original interview that started it all! Exposing the TRUTH About Roth vs Traditional Accounts | Financial Conversations: https://www.youtube.com/watch?v=VHHNYdpVwrU&t=1s

Long-term care insurance is becoming an increasingly fundamental addition to the financial planning process.    That’s why Zacc Call and Laura Hadley, along with insurance professional Barney Tanner, are diving into the intricacies of long-term care and disability insurance. They discuss the likelihood of needing long-term care, the various payment options including insurance, and the importance of planning for potential costs.    The episode also explores the differences between standard and linked benefit insurance policies, the role of ADL requirements, and the nuances of disability insurance coverage.    Discussion points include:   The basics of planning for long-term care The 6 main avenues of paying for long-term care: Private pay, family support, Medicare, Medicaid, veterans' benefits, and insurance The role of insurance in long-term care from an insurance professional The various policies you can choose from in disability insurance And more   Resources: Guided Path 8-1 Pre-65 Health Care Options for Early Retirees Guided Path 8-2 Navigating the Alphabet Soup of Medicare Guided Path 8-3 Life Insurance  Guided Path 8-4 Life Insurance: When To Get It, When To Drop It   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network   Connect with Barney Tanner: LinkedIn: Barney Tanner, CLTC® Allegis Advisor Group   About Our Guest: Barney Tanner is a seasoned National Brokerage Director with over 20 years of experience nurturing key relationships that lead to sales growth and ensure client retention. Extensive experience in all aspects of business development and wealth planning including developing key client relationships, leading and building teams, developing successful strategies, and making relationship-based sales.  Barney continually exceeds expectations by creating valuable partnerships and works well with people at all levels of an organization including stakeholders, C-suite executives, management, underwriters, staff, and agents.

Get ready for another special bonus episode where Zacc Call joins Erik Soderborg on the "90 Days from Retirement" YouTube channel! They dive deep into the critical art of securing your retirement funds, covering everything from external risks to the internal decisions that could make or break your financial future.  The conversation dives deep into the intricacies of risk tolerance, savvy withdrawal strategies, and debunking the 4% rule, all while stressing the need for a personalized approach tailored to your unique circumstances. Erik and Zacc pull back the curtain on the impact of taxes on retirement, delivering a fresh perspective on potential challenges and the absolute necessity for meticulous financial planning.  Catch the full video on Erik Soderborg's channel for a complete look into these crucial retirement insights. Ready to supercharge your financial knowledge? Don't forget to explore Erik's website and watch more of his engaging videos on YouTube.  Full video: https://www.youtube.com/watch?v=flCDgSy25e0&t=1s  Erik’s Website: https://90daysfromretirement.com/

There’s no magical date marked on the calendar telling you when to get life insurance.  So, when should you get it, and is there a time you should get rid of it? In this episode, Zacc Call and Laura Hadley discuss both when to get and when to drop life insurance. Zacc shares his journey with life insurance, starting from when he married at 22, highlighting its importance for end-of-life expenses and family support.  They explore the financial implications of death, such as mortgage and income continuation for survivors, emphasizing tailored coverage. The advisors also consider when retirees might drop life insurance, noting that those with ample assets may not need it.  Zacc and Laura discuss: How to time your life insurance When to hold onto your policy, and when to let it go What financial problems your death may create What financial plan tweaks should happen as your life progresses And more Resources: The Cost of Dying - Talk With The Expert Matt Russon Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Explore an exclusive bonus episode featuring Zacc Call and Erik Soderborg from 90 Days from Retirement, where they unravel the intricacies of optimizing your Social Security benefits. Delve into valuable insights on maximizing your financial future. Catch the full interview on Erik's YouTube channel for a comprehensive guide to securing your retirement. Full video: https://www.youtube.com/watch?v=KXFqGra9qHI&t=937s https://90daysfromretirement.com/ 

Navigating the intricacies of Medicare can feel like wading through an alphabet soup of confusion and misinformation.    To help you feel less overwhelmed, Zacc Call and Laura Hadley break down the different parts of Medicare and explain key points to keep in mind before enrolling — so you can make an informed decision based on your healthcare needs.   Zacc and Laura discuss: Why enrolling in Medicare at 65 isn't mandatory and delaying is an option The importance of timely Medicare enrollment to avoid penalties An overview of Medicare Parts A and B, Medicare Advantage, and Medigap Additional points to consider if you have a group coverage plan at work or an HSA And more   Resources: Guided Path 8-1 Pre-65 Health Care Options for Early Retirees HealthCare.gov 90 Days From Retirement: Erik Soderborg (Website) 90 Days From Retirement: Erik Soderborg (YouTube)   Connect with Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network

Retiring early is a dream for many.   However, people often hesitate due to a fear of high healthcare costs, given that Medicare doesn’t come into play until the age of 65.   We address this concern today — in the first episode of our brand-new season about insurance! Zacc Call and Laura Hadley explore three options for pre-65 health care coverage: COBRA plans, retiree plans offered by employers, and plans obtained through the exchange.    Zacc and Laura discuss:   How COBRA helps address any gaps in coverage (switching jobs, retiring early, etc.) Tips on navigating healthcare.gov to compare plans and identify potential subsidies Personal experiences and anecdotes to illustrate the nuances of each option A sneak peek into the upcoming episodes of this season And more   Resources:   Money & Mind HealthCare.gov   Connect with Capita Financial Network:   info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network