Wealth on the Move

Summary: In this episode of Wealth on the Move, host Will Hoffman is joined by Hoffman Wealth Management’s Director of Marketing, Brynn Tarbuck, for a candid and timely conversation on what social media is teaching kids about money — and where it’s getting it wrong. From flashy lifestyles and “get rich quick” narratives to misleading investment advice and the glamorization of debt, Will and Brynn break down five key areas where social media can distort young people’s understanding of wealth. Drawing from Will’s perspective as a father and advisor, and Brynn’s experience growing up alongside social media, the episode highlights the importance of budgeting, skill-building, realistic expectations, and understanding risk. The conversation also explores the dangers of confusing investing with gambling, the myth that financial freedom means quitting your job, and why true wealth is about optionality — not appearances. Ultimately, this episode serves as a guide for parents, young professionals, and anyone looking to build a healthier, more realistic relationship with money in a digital-first world. Resources:  Maya Corbic’s Book  Maya Corbic’s Episode The Lockwood Family Episode (Part 1) The Lockwood Family Episode (Part 2)  Takeaways: Social media often promotes looking rich, not being wealthy. Wealthy individuals are typically intentional and disciplined with their money. Budgeting is about control and clarity — not restriction. Financial freedom means having options, not necessarily quitting work. Being “rich by 25” is a myth; your 20s are for learning, earning, and making mistakes. Expensive things do not equal success — value and price are not the same. The fastest way to stay broke is trying to look wealthy. Your job is not the enemy — skill-building is one of the greatest wealth drivers. Credit cards and points can be tools, but debt is never free money. Investing is not gambling; understanding risk is essential. You don’t need massive risks or overnight wins to build wealth. Diversified income streams require work — “passive” rarely means effortless. Investing in yourself and your skills is the most reliable long-term strategy. Parents should actively audit the financial content their kids are consuming.   Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, host Will Hoffman speaks with Cullen Roche, author of ‘Your Perfect Portfolio.’ They discuss Cullen’s background in financial advisory, the challenges of portfolio management, and the importance of creating a personalized investment strategy. Cullen emphasizes the pitfalls of performance chasing, the significance of diversification, and the behavioral aspects of investing. The conversation also touches on the difference between saving and investing, the need for realistic expectations, and the difficulties of consistently beating the market. Ultimately, they advocate for a sound financial plan tailored to individual needs rather than a one-size-fits-all approach. In this conversation, Cullen Roche discusses the complexities of financial planning, emphasizing that there is no one-size-fits-all approach to creating a perfect portfolio. He highlights the importance of adapting investment strategies over time, particularly as personal circumstances change, such as having children. The discussion also delves into the psychological aspects of investing, particularly how market losses can trigger emotional responses and the role of financial media in shaping investor behavior. Roche introduces the concept of time horizons in financial planning, advocating for a structured approach to asset allocation that considers both short-term and long-term needs. Resources:  Your Perfect Portfolio on Amazon Follow Cullen on X Takeaways: Cullen Roche emphasizes the importance of a personalized portfolio. Performance chasing can lead to poor investment decisions. Diversification is crucial for managing risk in portfolios. Investing should be viewed as a methodical planning process. Understanding the difference between saving and investing is key. Setting realistic expectations is vital for investors. The challenge of beating the market is significant. Behavioral finance plays a critical role in investment success. A sound financial plan should guide investment strategies. Good diversification means not all parts of the portfolio perform well at the same time. Your perfect portfolio is about navigating towards your goals. There is no single recipe for financial success. Money changes over time, and so should your strategy. Your financial needs will evolve as life circumstances change. Children introduce new financial considerations and time horizons. Long-term planning requires adaptability and foresight. Understanding risk is crucial for effective financial planning. Market losses trigger emotional responses tied to future consumption. Financial media often amplifies fear and uncertainty. A structured approach to asset allocation can provide peace of mind. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, host Will Hoffman speaks with Dr. Dominique Padurano, founder of Crimson Coaching, about strategies for securing scholarships and navigating the college admissions process. They discuss the importance of education in changing financial trajectories, the role of standardized tests, and how to find the right college fit. Dr. P shares her personal journey, insights on mental health in college, and the services offered by Crimson Coaching to help students achieve their academic goals and reduce college costs. Resources: Dr. P’s Website Contact Dr. P  Dr. P’s Newsletter Connect with Dr. P on LinkedIn Follow Dr. P on Facebook Follow Crimson Coaching on Instagram Takeaways: Education is key to changing financial trajectories. Dr. P’s background highlights the importance of mentorship. College fit is crucial for student success. Standardized tests can impact scholarship opportunities. Merit aid can significantly reduce college costs. Early planning can ease the college application process. College visits help students understand their preferences. Mental health plays a vital role in academic success. Crimson Coaching offers personalized support for students. Success stories demonstrate the financial impact of coaching. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, host Will Hoffman speaks with Nick Maggiulli, COO of Ritholtz Wealth Management and author of The Wealth Ladder. They discuss the misconceptions surrounding wealth building, emphasizing the importance of income over spending habits. The conversation explores the different levels of the wealth ladder, focusing on the early stages of financial safety and skill development, transitioning to investing, and understanding risk tolerance. They also touch on personal spending choices and the significance of aligning financial goals with lifestyle decisions. In this conversation, Will Hoffman and Nick Maggiulli explore the multifaceted nature of wealth, discussing how high net worth individuals perceive money differently, the emotional challenges associated with wealth, and the common myths that can hinder financial success. They emphasize the importance of adaptability in financial strategies and the need for personalized advice at different stages of wealth accumulation. Resources: LinkedIn: Nick Maggiulli Instagram: Nick Maggiulli Nick’s Website Link to Purchase “The Wealth Ladder” Takeaways: Wealth building is more about income than spending. Financial safety is crucial for those at the bottom rungs. Education and skill development are key to increasing earnings. Investing becomes more important as net worth increases. Risk tolerance should align with personal circumstances and goals. Lifestyle inflation can hinder financial progress. Personal spending choices should reflect individual values and joy. Avoid following high-level advice when starting out. Building an emergency fund is essential for financial stability. Understanding your financial situation is the first step to wealth.  High net worth individuals often feel a responsibility to preserve wealth for future generations. Money can be viewed as a tool for making impactful changes in the world. At some point, personal wealth may stop improving life satisfaction. Emotional reactions to market fluctuations can lead to poor financial decisions. The myth that cutting spending is the key to wealth is unfounded. Consistent investing over time yields the best returns. Liquidity is more important than previously thought. Rebalancing investments may not be as crucial as once believed. Financial strategies should evolve as one’s wealth grows. Perspective on financial challenges can be gained from understanding historical events. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management   Nick Maggiulli and Ritholtz Wealth Management are not affiliated with Hoffman Wealth Management and Private Advisor Group.

Summary: In this episode of Wealth on the Move, host Will Hoffman and guest Maya Corbic discuss the critical importance of teaching financial literacy to children. They explore Maya’s journey as a first-generation immigrant and CPA, her insights on how to engage kids in financial conversations, and practical tips for parents to instill money management skills in their children. The conversation also addresses common myths about kids and money, the role of technology in financial education, and the importance of creating financially confident adults for future generations. Resources: Maya’s Book: From Piggy Banks to Stocks Money Chat Calendar Money Club Link Instagram: Teach Kids Money TikTok: Teach Kids Money Facebook: Teach Kids Money Takeaways: Teaching kids about money is essential for their future. Parents often know more than they think and can teach their kids. Financial literacy should start as early as age four or five. Kids can understand the difference between needs and wants. Engaging kids with relatable examples makes learning fun. Allowance should be viewed as a tool for teaching money management. Mistakes made with money should happen when stakes are low. Generational wealth can be changed through education. Schools often lack the resources to teach financial literacy effectively. Financial confidence comes from understanding and practice. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management   Maya Corbic, CPA, CA and Teach Kids Money Club are not affiliated with Hoffman Wealth Management and Private Advisor Group.

Summary: In this episode of Wealth on the Move, host Will Hoffman and guest Bill Mann, Chief Investment Strategist at Motley Fool Asset Management, discuss the annual outlook for 2026. They reflect on the unpredictable nature of market predictions, the impact of political policies on the economy, and the importance of understanding market concentration, particularly in technology. The conversation also covers the Federal Reserve’s role in managing interest rates and employment, the challenges facing middle America, and strategies for investors to prepare their portfolios for economic changes. Additionally, they explore geopolitical considerations and the need for Europe to reset its economic policies. In this conversation, Bill Mann and Will Hoffman explore various economic themes, including surprising GDP statistics from unexpected states, the potential of emerging markets, and the ongoing revolution in AI. They discuss the implications of infrastructure challenges on market dynamics, identify promising sectors for investment, and anticipate potential black swan events that could impact the economy in 2026. The conversation concludes with strategic advice for investors and recommendations for influential voices in finance. Resources: Bill’s Monthly Newsletter Bill Mann on X Takeaways: Every firm does an annual outlook, including Hoffman Wealth Management. Bill Mann emphasizes the unpredictability of CEO predictions. The market doesn’t recognize the calendar; financial planning is year-round. Motley Fool Asset Management aims to support individual investors during market stress. The name ‘Motley Fool’ reflects a tradition of truth-telling in finance. 2025 was marked by significant economic shifts due to political policies. Market concentration in technology raises concerns for future stability. Interest rates and employment are key focuses for the Federal Reserve. The economy is bifurcated, with disparities between financial markets and middle America. Investors should consider value-driven and momentum strategies in their portfolios. Germany’s economic performance is surprising compared to smaller US states. Emerging markets like Brazil and Korea present unique investment opportunities. AI adoption is still in its early stages, akin to the internet boom. AI is reshaping job markets, creating new roles while enhancing existing ones. Infrastructure development in the US faces significant challenges and delays. Investors should focus on high-quality companies with growth potential. Japan’s market may outperform others in the coming year. Black swan events, like geopolitical tensions, could disrupt markets. Investors should reassess their portfolios for quality and alignment with beliefs. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management   Bill Mann and Motley Fool Asset Management are not affiliated with Hoffman Wealth Management and Private Advisor Group.

Summary: In this episode of Wealth on the Move, host Will Hoffman reflects on his 23 years in the wealth management industry, sharing valuable lessons learned throughout his career. He emphasizes the importance of having a solid financial plan, understanding cash flow, and recognizing the emotional aspects of financial decision-making. Hoffman also discusses the significance of teamwork in financial planning and how money can be a tool for happiness when used intentionally. Takeaways: A plan matters more than any single investment. Cashflow discipline will beat investment brilliance. Time in the market is greater than timing the market. Taxes will quietly erode your wealth more than you realize. Diversification works even when it feels like it doesn’t. Most of the risk in your financial lives is emotional. The right portfolio for you is the one you can stick with. Big financial mistakes usually happen during big life transitions. You don’t need more financial products. You need more clarity. Wealth is a team sport. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, host Will Hoffman and guest Gregory Allison, CFA from Orion Custom Indexing discuss the innovative strategy of custom indexing. They explore how this approach allows investors to manage concentrated stock positions, utilize tax loss harvesting, and enhance after-tax returns. The conversation delves into the technology behind custom indexing, its applications for real estate investors, and the benefits of charitable giving strategies. They also touch on the emergence of custom indexing as a viable option for a broader range of investors, emphasizing the importance of personalized wealth management solutions. Resources: Orion Custom Indexing LinkedIn- Orion LinkedIn- Gregory Allison Episode with Dr. Daniel Crosby  Episode with Dr. Naomi Win Takeaways: Custom indexing allows for personalized investment strategies. Tax loss harvesting can enhance after-tax performance. Utilizing losses can offset future capital gains. Technology plays a crucial role in executing custom indexing. Real estate investors can benefit from custom indexing strategies. Charitable giving can be optimized through custom indexing. Custom indexing is not suitable for IRA accounts. The strategy emerged due to advancements in technology. Concentration risk is a concern for long-term investors. Longevity impacts investment strategies and tax planning. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Disclosures: Gregory Allison Orion Portfolio Solutions are not affiliated with Hoffman Wealth Management and Private Advisor Group. Wealth management services provided by Orion Portfolio Solutions, LLC (“OPS”), a registered investment advisor. Orion OCIO services provided by TownSquare Capital, LLC (“TSC”), a registered investment advisor. OPS and TSC are affiliates and wholly owned subsidiaries of Orion Advisor Solutions, Inc. Custom Indexing offered through Orion Portfolio Solutions, LLC a registered investment advisor. Custom Indexing is an investment strategy wherein a portfolio is managed to mimic an index or other portfolio, while taking into account the tax position, holdings, and individual investing preferences of a client. The performance of a portfolio using custom indexing may vary significantly from the target index (referred to as tracking error or tracking difference), and this variance may increase with greater customization within a portfolio. Tax-loss Harvesting is a process by which securities trading at unrealized losses are sold to realize a taxable loss. Proceeds from the sales are then used to reinvest in alternate securities to maintain market exposure. Tax-loss Harvesting can be used as a strategy to offset realized gains from other investments and/or carried forward to later calendar years to offset future taxable gains. This information is general in nature and is not intended as tax advice. You should consult a tax professional as to how this applies to an individual tax situation. Nothing contained herein is intended to constitute accounting, legal, tax, security or investment advice, nor an opinion regarding the appropriateness of any investment, or solicitation of any type.

Summary: In this episode of Wealth on the Move, host Will Hoffman speaks with Beth Pinsker, a personal finance columnist and author of ‘My Mother’s Money.’ They discuss the challenges of caregiving, the complexities of financial responsibilities, and the importance of having essential documents in place. Beth shares her personal journey of navigating her mother’s illness and the financial decisions that arose, emphasizing the need for open conversations about money within families. The episode highlights the emotional and practical aspects of caregiving and offers valuable insights for listeners. Resources: Beth’s LinkedIn Link to “My Mother’s Money” Beth on MarketWatch Takeaways: Caregiving often intertwines with financial responsibilities. Bad financial decisions are common in caregiving situations. Having essential documents like power of attorney is crucial. Families need to communicate openly about finances. Financial planning is not just about investments; it’s about life decisions. The sandwich generation faces unique challenges in caregiving. Understanding financial structures can prevent future issues. Storytelling can facilitate important family discussions. Navigating healthcare and financial systems is complex and often frustrating. Preparation can alleviate stress during caregiving crises. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, host Will Hoffman interviews Felipe Toews, CEO of Toews Asset Management and author of ‘The Behavioral Portfolio. They discuss the importance of understanding investor behavior, the impact of market history on investment strategies, and the need for proactive communication in managing portfolios. Toews emphasizes the significance of constructing resilient portfolios that can withstand market chaos and the risks associated with timing the market. The conversation also explores the bucket strategy in portfolio management and the future of behavioral finance. Resources: Felipe’s LinkedIn Amazon Link to The Behavioral Portfolio Takeaways: Investors often rely on outdated portfolio strategies that may not suit their needs. Understanding investor behavior is crucial for effective portfolio management. Market history shows that downturns can be more severe than recent experiences suggest. Constructing portfolios that address both economic realities and investor psychology is essential. Proactive communication can help investors navigate market volatility. The bucket strategy can mitigate risks associated with market downturns. Diversification may not provide the protection investors expect during crises. Preparing for market chaos involves having a clear plan of action. Timing the market is a risky strategy that often leads to poor outcomes. The field of behavioral finance is evolving and offers new insights for investors. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Phillip Felipe Toews and Toews Asset Management are not affiliated with Hoffman Wealth Management and Private Advisor Group.

Summary: In this episode of Wealth on the Move, host Will Hoffman and guest Ryan Dietrich discuss the current state of the markets, including insights on volatility, market recovery, and the impact of government shutdowns. They explore the dynamics of the gold market, interest rates, and the Federal Reserve’s outlook, as well as trends in the crypto market. The conversation also delves into behavioral finance and market psychology, emphasizing the importance of having a strategic investment plan. Finally, they provide predictions for future market trends and economic outlooks. Resources: Facts vs. Feelings Podcast Ryan’s X Account Takeaways: The market has shown resilience despite recent government shutdowns. Gold is currently overextended, indicating potential for a pullback. The Federal Reserve is expected to cut interest rates soon. Historical data suggests that bull markets can last longer than expected. Behavioral finance plays a significant role in investment decisions. Investors should be cautious with crypto investments due to volatility. Market corrections are normal and can present buying opportunities. The consumer market remains strong despite economic uncertainties. Global investment opportunities are still available for savvy investors. Volatility is a necessary aspect of investing that should be embraced. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management

Summary: In this episode of Wealth on the Move, host Will Hoffman discusses the critical aspects of wealth management, particularly for retirees. He emphasizes that the question of how to invest should not be the primary concern; instead, understanding the need for liquidity and planning for both short-term and long-term financial goals is essential. Hoffman outlines strategies for securing income during retirement, the importance of maintaining a disciplined investment approach, and the need to navigate the distribution phase effectively. He encourages listeners to focus on long-term strategies rather than seeking quick stock tips, highlighting the importance of planning for future expenses and potential market fluctuations. Takeaways: The question of how to invest is often misguided. Liquidity is crucial for retirees to enjoy their time. Market timing is not a reliable strategy. Investing should be based on long-term goals. Retirement income should be secured for the short term. The distribution phase of retirement is critical and challenging. Good investment ideas take time to develop. Discipline in investment strategy is essential for peace of mind. Planning for inflation is necessary for long-term success. Avoid the temptation of chasing hot stock tips. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Instagram: Hoffmanwealthmanagement

Summary: In this episode of Wealth on the Move, host Will Hoffman and director of financial planning Niko Rosso discuss the value that financial advisors bring to their clients, referencing a significant study by Vanguard. They explore various aspects of financial planning, including investment selection, asset location, tax efficiency, and the importance of behavioral coaching. The conversation emphasizes the evolving role of independent financial advisors in a changing financial landscape, highlighting the need for financial literacy and proactive planning. Resources: Download the Vanguard Study HERE! Takeaways: Vanguard’s study highlights the value of financial advisors. Investment selection can add significant alpha to portfolios. Behavioral coaching is crucial for client success. Understanding asset location can enhance tax efficiency. Tax loss harvesting can provide financial benefits. Budgeting is essential for financial discipline. Independent financial advisors are shaping the future of wealth management. Financial literacy is vital for effective money management. Proactive planning can mitigate financial risks. The evolving landscape of financial advising requires adaptability. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Instagram: Hoffmanwealthmanagement Connect with Niko Rosso: Hoffman Wealth Management (724) 522-5411 dominic@hoffmanwealth.com LinkedIn: Dominic Rosso  

Summary: In this episode of Wealth on the Move, Will Hoffman speaks with Tina Steele, the FAFSA guru, about the intricacies of the FAFSA process and how families can maximize their financial aid opportunities. They discuss the importance of understanding FAFSA, the changes that have occurred recently, and strategies for families to navigate the financial aid landscape effectively. Tina shares insights on common mistakes families make, the significance of documentation, and the future of FAFSA, including new technologies that will aid in the process. This conversation is essential for parents and students preparing for college funding. Resources: TikTok- @thefafsaguru Instagram- @thefafsaguru Facebook- fafsaguru YouTube- TheFAFSAGuru LinkedIn- Tina Steele The FAFSA Guru Website! Takeaways: FAFSA is crucial for all students attending college. Filling out FAFSA is necessary every year for financial aid. Many families mistakenly believe they won’t qualify for aid. Child support is now treated as an asset in FAFSA calculations. Families can report special circumstances to financial aid offices. It’s important to appeal financial aid offers for potential increases. NIL income can affect financial aid eligibility for student-athletes. Common mistakes include misreporting assets and missing deadlines. Documentation is key for the FAFSA process and potential verification. The FAFSA process is evolving with new technologies for assistance. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Instagram: Hoffmanwealthmanagement   Tina Steele and The FAFSA Guru not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

Summary: In this episode of Wealth on the Move, host Will Hoffman discusses the challenges of funding college education with expert Dave Peterson. They explore the vast opportunities available through scholarships, the misconceptions surrounding them, and the importance of starting the scholarship search early. Peterson shares insights on different types of scholarships, the scholarship application process, and how to build a compelling personal narrative. The conversation emphasizes the need for parents and students to be proactive in seeking financial aid to alleviate the burden of student loans and ensure a successful educational journey. Resources: Dave’s Website Dave’s Suggested Scholarship Search Site Takeaways: There is a significant amount of scholarship money available, much of which goes unclaimed. Scholarships are not just for seniors; opportunities exist for younger students as well. A strong personal narrative is crucial for winning scholarships. Students should start applying for scholarships as early as possible. Many scholarships do not require high GPAs or test scores. Building a personal narrative involves academics, extracurriculars, volunteering, and work experience. Avoid applying for illegitimate scholarships that ask for sensitive information. The scholarship application process requires attention to detail and following instructions. Students can earn scholarships even after high school graduation. Utilizing resources like Scholarship GPS can help streamline the scholarship search process. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Instagram: Hoffmanwealthmanagement   Dave Peterson and Scholarship GPS not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

Summary: In this episode of Wealth on the Move, host Will Hoffman engages with John Sabes, author of ‘Healthy Wealthy Longevity.’ They discuss the critical importance of longevity as a financial risk, the role of self-care and health in financial planning, and the impact of lifestyle choices on longevity. John shares insights on epigenetics and how our lifestyle influences gene expression, emphasizing the need for individuals to invest in their health to ensure a vibrant life as they age. The conversation also touches on the future of health and wealth innovation, and the importance of planning for uncertainty in life expectancy. Resources: Jon’s Website Get Jon’s Book HERE! Takeaways: Longevity is a significant risk to retirement portfolios. Self-care and health are crucial for a fulfilling life. Investing in yourself is the best financial decision. Lifestyle choices greatly influence longevity and health. Epigenetics shows that our lifestyle affects gene expression. Planning for retirement must consider the unpredictability of life expectancy. The worst outcome in aging is to be alone and poor. Financial advisors should focus on holistic well-being, not just investments. Maintaining muscle mass is vital for health span and longevity. Living with purpose and connection enhances overall longevity. Connect with Jon Sabes: Facebook: Jon Sabes Instagram: Jon Sabes LinkedIn: Jon Sabes TikTok: Jon.Sabes Youtube: Jonsabesofficial Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Instagram: Hoffmanwealthmanagement John Sabes and Longevity Financial Partners are not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

Summary: In this episode of Wealth on the Move, host Will Hoffman and NIL expert Kristi Dosh delve into the transformative landscape of Name, Image, and Likeness (NIL) in college sports. They discuss the evolution of NIL rules, the financial implications for student-athletes, and the importance of building a personal brand through social media. Kristi shares insights on navigating contracts, the role of agents, and the tax responsibilities that come with NIL deals. The conversation also highlights the future of NIL, including market inefficiencies and undervalued opportunities for athletes. Resources: Kristi’s Website’s Kristidosh.com Business of College Sports Website The Athlete’s NIL Playbook Website LinkedIn: Sportsbizmiss Facebook: Kristi Dosh Instagram: Sportsbizmiss TikTok: Sportsbizmiss YouTube: Business of College Sports Takeaways: NIL has revolutionized the financial landscape for college athletes. The rules around NIL have changed significantly since July 2021. Athletes must navigate a complex and evolving NIL environment. Written contracts are essential for NIL deals to avoid misunderstandings. Many athletes may not need agents but should consider hiring attorneys. Tax implications are a crucial aspect of NIL earnings for athletes. Social media presence is vital for building a personal brand. Athletes should diversify their content beyond just their sport. NIL opportunities can extend into coaching and clinics for athletes. The future of NIL may see more states allowing high school athletes to participate Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Instagram: Hoffmanwealthmanagement Kristi Dosh and Business of College Sports are not affiliated with Hoffman Wealth Management and Private Advisor Group. Hoffman Wealth Management and Private Advisor Group do not provide tax or legal advice. This presentation is not intended as specific financial,  tax or legal advice for any individual. Please consult with qualified professionals for these types of advice.

Summary: In this episode of Wealth on the Move, host Will Hoffman and tax expert Kelly Bender dive deep into the implications of the new OB3 tax law and what it means for both business owners and individual taxpayers. They explore the importance of understanding business entity structures, the impact of payroll tax updates, and the necessity of long-term tax strategies. Key topics include changes to income tax brackets, retirement account contributions, child tax credits, and state and local tax (SALT) deductions. They discuss the permanence of the Qualified Business Income (QBI) deduction, updates to depreciation rules, and investment incentives such as Qualified Opportunity Zones and qualified small business stock. Kelly shares insights from her upcoming book aimed at helping new entrepreneurs navigate the complexities of starting a business, while also addressing common tax myths and the importance of proactive planning for future generations. Throughout the conversation, they emphasize how OB3’s changes require individuals and businesses to adapt to an evolving tax landscape in order to maximize benefits and maintain compliance. Resources: DKTBS Website eLab Website (A Starter Guide for Entrepreneurs) Invite Kelly to Speak PRE-ORDER Kelly’s Book Takeaways: Many small business owners don’t fully understand their entity structure. OB3 introduces significant tax code changes impacting individuals and businesses. QBI deduction is now permanent for small business owners. Income tax brackets have been adjusted, but many won’t feel the impact. Retirement contributions are now tied to inflation. Child tax credit will increase to $2,200 per child by 2025. New senior deduction of $6,000 for those over 65. SALT deduction cap increased to $40,000. Qualified Opportunity Zones can defer or eliminate taxes on gains. Qualified small business stock offers significant tax benefits. Payroll tax compliance is essential under new rules. Depreciation rules now allow faster write-offs for capital investments. Proactive, long-term tax planning can save money in the long run. Common tax myths can lead to poor financial decisions. Asking questions is vital for entrepreneurs starting out. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Instagram: Hoffmanwealthmanagement Connect with Kelly Bender:  LinkedIn: Kelly Bender Facebook: Total Business Soulutions YouTube: LifeUntaxed Instagram: LifeUnTaxes TikTok: LifeUntaxed

Summary: In this episode of Wealth on the Move, host Will Hoffman and Senior Economist Andrew Opdyke discuss the current state of the markets, focusing on the second quarter’s volatility, the Federal Reserve’s stance on interest rates and inflation, the impact of AI on business and investment, and the upcoming midterm elections. They also provide insights into portfolio strategies for the third quarter and reflect on historical lessons that can guide future decisions. Resources: First Trust Website First Trust on LinkedIn Takeaways: It’s time in the market, not timing the market that matters. Data-driven insights are crucial for accurate forecasting. Emotions can lead to irrational market reactions. The second quarter saw significant market swings due to tariffs. The Federal Reserve is cautious about cutting rates amid uncertainty. AI is transforming industries and enhancing productivity. Historical context is essential for understanding current market dynamics. Investors should maintain a diversified portfolio. The U.S. remains a strong place for business growth. Perspective from history can guide future financial decisions. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Instagram: Hoffmanwealthmanagement

Summary: In this episode of Wealth on the Move, host Will Hoffman sits down with fitness expert Stan Vaccari to explore the deep parallels between physical fitness and financial wellness. Together, they discuss how both pursuits demand discipline, accountability, and a long-term strategic mindset. Vaccari draws from his experience in health coaching to emphasize the value of online coaching, the importance of tracking progress, and the common hurdles faced when starting new fitness or financial goals. The conversation touches on the underrated power of walking, post-workout nutrition strategies, and the lifelong benefits of investing in oneself. Reflecting on personal choices and growth, Will and Stan also delve into how historical perspectives shape current trends — including the evolving role of AI in our lives. Like training for a marathon or building wealth, success is best achieved with patience, consistency, and purpose. Resources: SV Coaching Website  Takeaways: Fitness and finance are interconnected and influence each other. Online coaching can provide better accountability and results than in-person training. Discipline in training leads to improvements in other areas of life. Starting points in fitness and finance are often the most challenging. Setting clear goals and engineering a plan is crucial for success. Slow and steady progress is more sustainable than quick fixes. Accountability is key to maintaining fitness and financial goals. Boring routines can lead to significant results over time. Measuring progress is essential in both fitness and finance. You don’t need expensive gadgets to track your fitness effectively. Walking is a powerful fitness habit that can significantly reduce health risks. Post-workout nutrition can be unconventional yet effective. Investing in personal development is crucial for long-term success. Life choices, such as education paths, can shape future opportunities. Understanding and utilizing AI is essential for future success. Connect with Will Hoffman:  Hoffman Wealth Management (724) 522-5411 will@hoffmanwealth.com LinkedIn: Will Hoffman  Facebook: Hoffman Wealth Management  YouTube: Hoffman Wealth Management Connect with Stan Vaccari:  Instagram: Stanv_pt LinkedIn:  Stan Vaccari X: Stanvaccari YouTube: Stan Vaccari