Mind Your Money with Bradshaw Rogers Financial Partners

You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impact? Let’s talk about how to make that decision with confidence. Today, Trent and Brandon break down the practical and emotional aspects of gifting during your lifetime versus leaving a legacy. They discuss how to prioritize your own financial security first and the risks to avoid before handing over large sums. You’ll also learn the ins and outs of annual gift tax limits, Qualified Charitable Distributions (QCDs), and how to support others without jeopardizing your own retirement. Stick around to hear why how you give may matter even more than how much you give. Here’s some of what we discuss in this episode: 💸 Annual gifting limits and how couples can double the impact 🏠 Helping kids with home purchases or life transitions 🧾 Using QCDs for charitable giving with tax benefits 🧠 Emotional and financial readiness of recipients 🏥 Why protecting your spouse and planning for healthcare is key before giving Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260  

The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? Today we’ll break down what the 4.7% update really means for your retirement strategy. We’ll explore how the original rule came to be, why it might be evolving, and—most importantly—why this number isn’t a free pass to spend more. Find out which real-life factors affect your withdrawal strategy and how to build a plan that’s flexible, realistic, and tailored to your life. You'll also hear why rules of thumb are helpful starting points, but never the final word. Here’s some of what we discuss in this episode: 📈 Why the 4% rule is being revised to 4.7% 🧾 How portfolio mix changes your withdrawal strategy 🧠 Why your personal safe withdrawal rate might be lower or higher than the headline 🪣 How “bucket strategies” work to stabilize retirement income across market cycles 🏛️ Why tax legislation and inflation are just as important as market performance Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Back-to-school season isn’t just for kids; it’s a good reminder for pre-retirees and retirees to sharpen their financial knowledge, too. In this episode, Trent and Brandon put listeners through a “retirement planning pop quiz” covering Social Security, IRA contributions, RMDs, and more. Think of it as a back-to-school refresher course designed to test what you know and teach you what you don’t. They break down how Social Security rules have shifted over the years, why Roth accounts can be such a powerful tool, and how changes to contribution limits could impact your retirement savings strategy. The conversation also highlights some of the biggest financial risks retirees face, from healthcare costs to market downturns, and why having a complete, customized plan makes all the difference. Tune in to see how your “retirement report card” stacks up and why brushing up now could keep you financially confident in the years ahead. Here’s some of what we discuss in this episode: 🧾 At what age can you receive full Social Security benefits if you were born after 1960? 💰 What’s the maximum annual IRA contribution for individuals age 50 and older in 2025? 📉 Which retirement accounts require you to take RMDs?  📊 What does the 4% rule refer to in retirement planning? 🛡️ What financial risks do retirees face? Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

You’ve heard about the “One Big Beautiful Bill,” but let’s get to what really matters: your questions. In this listener mailbag episode, Trent and Brandon tackle real concerns from clients and pre-retirees trying to make sense of what this tax overhaul actually changes. They’ve read all the fine print, so you don’t have to. Should you still consider moving to a no-income-tax state like Florida? Can your part-time tips or church donations finally earn you a break on your tax bill? The guys break it all down with their usual clarity, humor, and no-nonsense advice. If you’re overwhelmed by headlines and unsure what’s fact or fluff, this episode offers the straight answers you’ve been looking for, and maybe even a few surprising insights along the way. Here’s some of what we discuss in this episode: 🧮 The new $6,000 deduction for couples over 65 🚗 New car loan deduction rules 🏙️ SALT deduction cap jumps from $10K to $40K 🌴 Retiring in a no-tax state: still worth it? ⛽ Part-time workers & tip exemptions 🎁 Charitable giving for non-itemizers Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260  

Big tax law changes always bring big rumors. But before you assume Social Security is now tax-free or that you’re getting a $40K deduction just for breathing, let’s set the record straight on what this new bill didn’t actually do. In this episode, Trent and Brandon tackle the myths swirling around the recently passed “Big Beautiful Bill” and give you the facts you need to make smart financial decisions. They clarify what truly matters (and what doesn’t) by debunking myths about estate tax exemptions, charitable deductions, and the reality behind so-called 'permanent' tax brackets. While some changes are helpful, others are overhyped. That’s where a financial plan makes all the difference. Here’s some of what we discuss in this episode: 📢 Social Security taxation and retirement deductions 🏡 Federal estate tax exemption doesn’t eliminate planning 🚗 Car loan interest deductions are limited 💡 Charitable and other above-the-line deductions exist, but have limits 🎯 New deductions have income and filing limits Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

A new tax bill has officially passed (you’ve probably heard it mentioned as the “Big Beautiful Bill”). And while most headlines are focused on politics, we’re focused on what it means for your retirement. The choices you make in the next year or two could have a significant impact on how much you keep and how much goes to Uncle Sam. In this episode, Trent and Brandon break down the most important aspects for retirees, pre-retirees, and everyday earners. They walk through key provisions of the bill- like extended lower tax brackets and a potentially game-changing deduction for seniors. You’ll also hear about enhanced bonus depreciation for small business owners and landlords, charitable giving updates, and some unexpected perks, like tax relief on tips, overtime, and even auto loan interest. Tune in to hear how the new bill could impact your financial future and find out which opportunities could expire before you know it! Here’s some of what we discuss in this episode: 💸 Why “permanent” tax changes that aren’t so permanent ⏳ What extended lower tax brackets means for tax planning 👵 A new $12,000 senior deduction (and how income thresholds affect eligibility) 🏡 The 100% bonus depreciation for small business owners and landlords 🚗 New tax perks for workers: No taxes on tips, overtime, and auto loan interest Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Today, we’re talking about Type A personalities. If you’re driven, competitive, and goal-oriented, then you’re part of the club that often struggles during difficult markets. When things get tough, your instinct is to work harder, push more, and fix the problem. But in investing, that instinct can sometimes backfire. In this episode, Trent and Brandon break down a list of hard-hitting questions made famous by CNBC’s Josh Brown, designed to challenge the habits and headspace of high-achieving, Type A investors. From sky-high expectations to the instinct to jump in and out of the market, they get real about what works and what backfires when markets get shaky. Trent shares why taking control doesn’t mean constantly making moves, and Brandon digs into how patience (plus a little math) can save you from yourself. You might be surprised to learn about the risks you think you're taking versus the ones you're actually exposed to. Here’s some of what we discuss in this episode: 📊 Are your return expectations realistic? ⚠️ The problem with trying to time the market 🧠 Why emotions are terrible investment advisors 🔄 The danger of jumping in and out 👥 The value of a second set of eyes on your plan Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Market dips can rattle even the most seasoned investors. In this episode, Trent and Brandon tackle some of the most common questions they're hearing from clients right now. From pre-retirees worried about protecting their portfolios to investors wondering if it’s time to buy the dip, the discussion focuses on practical ways to stay steady and avoid costly mistakes. They emphasize the importance of understanding your risk tolerance, having a clear time horizon, and staying diversified- even when it feels like everything is down. If you’ve found yourself stressed by recent market swings or second-guessing your plan, this episode might be just the perspective you need to move forward with confidence.     Here’s some of what we discuss in this episode: 📉 Why it’s important to stay patient and not react emotionally during market declines 🤯 Common emotional traps like panic selling and obsessively checking your accounts 💵 Is now the time to “buy the dip”? 🛠️ Why diversification still matters (even when it doesn’t feel like it) 🧠 Aligning your risk level with your goals, especially when retirement approaches   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Retirement isn’t a full stop- it’s a new chapter! For many, it’s not about doing nothing; it’s about doing something different. Whether it’s boredom after the first six months, the desire to stay active, or a financial nudge to earn a little extra, more retirees are choosing to “unretire” with purpose. In this episode, Trent and Brandon share creative and meaningful ways retirees can stay active, engaged, and fulfilled during their retirement years. This conversation explores the wide world of second-act opportunities, from consulting and tutoring to dog-walking, antique dealing, car detailing, and part-time retail gigs. You’ll hear real stories of retirees turning hobbies into income and using their expertise in flexible, fulfilling ways. If you’re wondering what comes after retirement, this episode may just open the door to your next great chapter.   Here’s some of what we discuss in this episode: 🧠 Why keeping your mind engaged matters after retirement 🎸Creative outlets that pay- from guitar lessons to antique dealing 🛍️ The perks of part-time, flexible work 👶 Grandkids, gig work, and giving back   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Graduation season is an exciting milestone, not just for the grads, but for parents and grandparents who have supported them along the way. Today, Trent and Brandon share practical ways you can help your graduate make smart financial decisions early, along with actions that could have a lasting impact on their future. From the power of compounding and Roth IRAs to budgeting basics, emergency funds, and debt traps, they outline the conversations that can help shape a graduate’s financial mindset for years to come. You’ll also hear meaningful gift ideas that aren’t just a check in an envelope. Whether you're a parent, grandparent, or mentor, this is a chance to inspire confident financial habits before your grad steps into their next chapter of life!   Here’s some of what we discuss in this episode: 📈 Why compounding beats cramming- so start early! 💳 Debt traps and how to help graduates dodge them 🏠 Should you rent or buy after graduation? 🛟 Building an emergency fund 🎁 Creative graduation gifts that build wealth   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Mother’s Day may have passed, but there’s still time to give a gift that truly matters- helping ensure the important women in your life are financially strong for years to come. While money conversations can feel uncomfortable or even taboo, they’re essential for creating peace of mind and avoiding confusion down the road. From overlooked life insurance policies to disorganized accounts, too many families are left scrambling simply because no one had “the talk.” In this episode, Trent and Brandon break down how to have meaningful financial conversations with moms at every life stage: retired, young, or caring for both kids and aging parents. They discuss why getting organized matters, what documents and policies often go unnoticed, how to prepare for long-term care needs, and the overlooked value of digital literacy and cybersecurity. If you’re looking to give a gift that truly matters this year, start here, with the tools and questions that can bring clarity, confidence, and comfort to your loved ones.   Here’s some of what we discuss in this episode: 💐Why a "money talk" might be the most valuable Mother’s Day gift ⚠️The hidden risks of letting one partner handle all the finances 🔒 Protecting aging parents from online fraud 🤝 Building your financial dream team: CPAs, attorneys, and advisors   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

When the market is crashing, it's easy to feel like you're the only one who's ever felt this anxious. But the truth is, some of the greatest investors in history have lived through chaos, and they left behind wisdom that still applies today. In this episode, we turn to voices like Warren Buffett, Benjamin Graham, and Jack Bogle to remind us how to think, act, and stay grounded when everything feels uncertain. Tune in for timeless lessons about controlling your emotions, staying the course, and avoiding costly mistakes like panic selling or trying to time the market. You'll hear why staying disciplined during downturns has always been the key to long-term success, and why the "this time is different" mindset can be one of the biggest traps for investors. Here are the quotes we discuss in this episode: 💬 “Be fearful when others are greedy, and greedy when others are fearful.” 💬 “The investor’s chief problem - and even his worst enemy - is likely to be himself.” 💬 “Stay the course. No matter what happens, stick to your program…” 💬 “The four most dangerous words in investing are: ‘This time it’s different.’” 💬 “Far more money has been lost by investors preparing for corrections… than has been lost in the corrections themselves.” 💬 “Risk is what’s left over when you think you’ve thought of everything.” Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

The Masters is a beautiful reminder of how much strategy, patience, and long-term focus go into a great round of golf. Turns out, retirement planning works the same way. In this episode, Trent and Brandon tee up five key lessons from the Augusta National and show how they translate into smarter financial decision-making. They explore why chasing a “hole-in-one” stock rarely works, why a single financial tool isn’t enough, and how to prepare for the unexpected risks that show up later in life. You’ll also hear why the last phase of retirement planning can be just as important as the early years and how working with a trusted advisor can help you avoid the costly mistakes that sideline so many investors. Whether you're still saving or already drawing from your accounts, this episode will help you think more clearly about how to stay steady, avoid hazards, and finish your financial game strong.   Here’s some of what we discuss in this episode: ⛳ A hole-in-one won’t win retirement 📊 Why you need a full “bag” of financial tools ⚠️ Hazards like inflation and taxes can derail your plan 📉 The final stretch of retirement may be the riskiest 🤝 Why every pro needs a caddy (aka an advisor)   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

The thing about assassins in the real world is that they’re sneaky and you don’t see them coming. And the assassins in the retirement planning world are exactly the same way. Let’s talk about some of the retirement assassins that can destroy your retirement if you’re not on guard. From stock market crashes to unexpected costs, many factors can derail your plans without warning. Whether it’s the rise of inflation, increased healthcare costs, or the loss of a spouse’s income, we’ll discuss how you can proactively combat some of these silent threats. Here’s some of what we discuss in this episode: Having an income plan to help mitigate losses during market corrections The high costs of nursing homes and assisted living The financial implications of losing a spouse Planning for a longer life expectancy to ensure your savings last Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

If you’ve spent years successfully managing your own investments, do you really need a financial advisor? That’s the question Bob, one of our listeners, sent in. He’s got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they’re probably fine on their own. Here’s some of what we discuss in this episode: Where financial advisors add value that DIY investors might not consider Common financial blind spots or mistakes that smart DIY investors tend to overlook What happens when life changes? What Trent and Brandon would say to investors who are skeptical that an advisor could improve their financial situation Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Financial mistakes can happen at any age, but they can have a particularly significant impact in your 60s. In today’s episode, Trent and Brandon discuss 5 common financial blunders to avoid during this pivotal decade. They’ll break down the missteps that could derail your retirement plans, from claiming Social Security without a plan to failing to protect your assets as you move into retirement. They’ll also share practical strategies to help you stay on track and make informed financial decisions. Tune in to ensure you’re not making these 5 financial mistakes! Here’s some of what we discuss in this episode: The impact of unnecessary spending on retirement plans Overlooking healthcare costs and insurance planning Failing to protect your assets as you move into retirement Taking or delaying Social Security benefits without a plan Omitting an estate plan Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260    

A recent article on Fortune highlights a growing trend among baby boomers: continuing to work well into their 60s and 70s. Surprisingly, this not out of necessity, but for the mental stimulation, social connections, and fulfillment that work provides. With nearly 20% of Americans over 65 still employed, this shift is challenging traditional views of retirement and sparking important conversations about what it means to truly retire. Join us as we explore this growing trend on today’s show.  Trent and Brandon have seen firsthand how important it is to have a plan for how you’ll spend your time in retirement. Could staying in the workforce be the right choice for you? Here’s some of what we discuss in this episode: The importance of knowing what you’re retiring to The loss of purpose and loneliness that some retirees can feel Some considerations to keep in mind if you’re planning to work part-time or as a contractor The shifting attitudes toward work and retirement in younger generations Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

As we kick off 2025, a lot of people consider what they want the year to look like and how to put their best foot forward, especially financially. Think: “new year, new me!” To figure out what the new “you” is all about, sometimes it helps to reflect first on what you’ve done in the past and what you want to change moving forward.  In this episode, we’ll dive into some common financial pitfalls- like overspending, neglecting investments, or not having a clear financial plan- and explore practical ways to shift toward smarter money management in 2025. Whether it’s creating a budget that actually works, making informed investment decisions, or simply getting a better handle on your overall financial picture, tune in for helpful changes you can make this year to embrace the new you. Here’s some of what we discuss in this episode: Prioritizing what you spend on Making room in your financial plan for enjoyment Taking the time to list out your accounts and the amounts in them Getting your investments back on track Making a plan that is specific to your goals and your needs Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Kick off the New Year by gaining valuable financial insights. In this episode of the Mind Your Money podcast, Trent and Brandon dive deep into listener questions covering a wide range of topics. Join them as they break down questions around maximizing 401(k)s, when you should be looking at taking your Social Security benefit, how spouses can get on the same page financially, and the fear of a future market crash. Here’s some of what we discuss in this episode: Spousal Financial Harmony: Discover practical strategies to bridge the gap between spouses' financial perspectives and achieve shared goals. 401(k) Optimization: Learn how to maximize your 401(k) contributions and investment choices to build a strong retirement foundation. Social Security Timing: Explore the complexities of Social Security benefits and determine the optimal age to start claiming to maximize your lifetime income. Conquering Market Crash Anxiety: Address the fear of market downturns and develop a robust investment strategy that can weather economic storms.   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

You wouldn’t necessarily expect Mike Tyson, Kim Kardashian, and Snooki to dispense valuable insights about financial planning matters. In fact, you’d probably expect the opposite. But with a little bit of creativity, we can get some financial planning pearls of wisdom from even the most unlikely of sources. Listen in to today’s show as we break down quotes from some of your favorite celebrities to see what financial lessons we can learn from them. Trent and Brandon will discuss attacking financial challenges head-on, why a plan is crucial to helping you stay on track, taking charge of your finances, and much more. Whether you’re a fan of celebrity and entertainment culture, or you’re looking for some financial guidance, there’s something for you in today’s episode. Here’s some of what we discuss in this episode: Tackling your financial problems head-on The importance of planning so you’re ready for the unexpected Taking charge of your finances Focusing on solutions Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260