Sandwich Bread Pod

23 Episodes

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Open Enrollment 2026: Don't Just Click Re-Enroll

2026-10-0722:40

Most people click "re-enroll" and move on. That one click sets your health plan, your HSA, your daycare money, your disability coverage and a good chunk of your retirement savings for the next twelve months. Open enrollment was one of our most downloaded episodes of 2025, so Tom Kaminski, CFP®, is back with the 2026 edition, updated for the 2027 plan year. He walks through the benefits packet in the order it matters: your 401(k) (and the "Frankenstein" allocation most people never fix), how t...

Bear Market, Bears Fan: A Planner's Playbook for When Stocks Tumble

2026-09-2221:23

Nobody can tell you when the next bear market is coming, and anyone who says otherwise is guessing. What you can do is decide ahead of time how you will respond. In this solo episode, Tom Kaminski, CFP®, lifelong Chicago Bears fan, walks through the framework he uses with clients when the stock market falls 20% or more. It starts somewhere unexpected: your job. From there he covers the emergency fund stress test, how the approach changes for young savers, mid-career investors, and people near...

Trump Accounts: Take the $1,000, Then Ask the Harder Question

2026-09-0822:07

The government will put $1,000 into an account for your newborn. That part is easy. The harder question is what, if anything, you put in after that. Trump Accounts launched on July 4, 2026, and they are the first account built specifically to start a child's retirement savings from birth. In this solo episode Tom Kaminski, CFP®, walks through what the account actually is, how to open one step by step, and then gives a planner's framework for deciding where it belongs on your family's priority...

Caregiver Burnout: How to Notice It Before You Boil w/ Lisa Kendall, LCSW-R, CSW-G

2026-08-2523:59

About 60% of caregivers have symptoms of burnout. Most of them do not see it coming. In this episode, Tom Kaminski sits down with Lisa Kendall, CSW-G, a clinical social worker and gerontologist with more than 40 years in aging and elder care, to talk about the thing that actually creates the sandwich generation: the weight that lands on the person doing the caring. Lisa explains that people arrive at caregiving one of two ways. Some get dropped into boiling water, the 3 a.m. call that Dad has...

Continuity vs. Succession: The Plan Every Business Owner Keeps Putting Off w/ Scott Leak

2026-08-1122:37

What happens to your business, your team, and your clients if you don't come home tomorrow? In this episode, Tom sits down with Scott Leak, Director of Business Development at FP Transitions, to talk through the plan most small business owners keep meaning to write and never do. Scott spent nearly thirty years in financial services, much of it at TD Ameritrade Institutional, and now works exclusively on business continuity, succession, and valuation. He is a CFP® professional and a Certified...

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