Real Money Pros

You can spend decades saving for retirement, reach the number you had in mind, and still hesitate to spend a dollar of it. The question isn't necessarily whether you've saved enough. It's whether you understand what that money can actually do for you. Jeremiah and Alex discuss why retirement planning doesn't end when you accumulate enough assets. Knowing which accounts to draw from, how to manage taxes, and when to make certain financial decisions can be just as important as the investments themselves. They walk through a real-world planning example involving substantial retirement savings, Roth conversions, capital gains, and Medicare premiums. The challenge isn't simply growing the portfolio. It's figuring out how to access that money, minimize unnecessary complications, and confidently fund the retirement you've worked toward. Plus, Social Security filing decisions, including spousal and survivor benefits, before turning to a live caller concerned about technology concentration in his retirement accounts and the potential impact of geopolitical conflict involving Taiwan.   Find an advisor that's best suited for you: https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Is the S&P 500 still as diversified as investors think? And what should families know before distributing an inheritance... Hour 1: Market Concentration and the Future of Investing With a growing share of the S&P 500 concentrated in a handful of major technology companies, Brian and Jeremiah discuss what diversification really means today. They explore AI-related market volatility, the competition between the U.S. and China, changing bond yields, and potential opportunities in energy and infrastructure. Hour 2: Inheritance, Estate Administration, and Tax Planning Receiving an inheritance can involve more than simply transferring money. They explain how different assets are handled after someone passes away, including cash, taxable investments, inherited IRAs, and trust accounts. The guys also discuss the 10-year inherited IRA rule, required minimum distributions, tax-efficient withdrawal strategies, and how families can avoid common mistakes when settling an estate.   Find an advisor that's best suited for you: https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

For owners of HVAC, plumbing, electrical and construction companies, building a profitable business is one thing. Building a business that someone else would actually want to buy is another. This week, Jeremiah Bates welcomes William Yex, CFP®, a Wealth Management Advisor with Apollon Wealth Management who specializes in working with blue-collar business owners. William discusses why he chose to focus his practice on the trades and how the financial challenges facing these entrepreneurs differ from those of traditional employees and other professionals. A major focus is what makes a trade business valuable. Could the company operate for three weeks without its owner? How much revenue depends on a handful of customers? Are recurring service contracts in place? William explains how owner dependency, customer concentration, predictable revenue and clean financial records can influence what a buyer is willing to pay. They also examine why private equity has shown interest in acquiring businesses in the trades. Beyond valuation, Jeremiah and William discuss building personal wealth outside the company, retirement and tax strategies for business owners, and protecting the business through insurance, succession planning and buy-sell agreements.   Find an advisor that's best suited for you: https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ ————————————————————— Tax Clarification: An S-corporation example in the original October 10 broadcast overstated potential payroll tax savings. Self-employment tax is based on net earnings rather than gross revenue, and the Social Security portion is subject to an annual wage limit. S-corporation distributions generally are not subject to employment taxes, but reasonable owner compensation remains subject to payroll taxes. Actual savings vary by circumstance. A recorded clarification has been added to the archived episode. ————————————————————— The Real Money Pros is hosted by team members of Tree City Advisors of Apollon, a DBA of Apollon Wealth Management, LLC, an SEC-registered investment adviser. Advisory services are offered through Apollon Wealth Management, LLC. This program is for informational and educational purposes only, may not be suitable for you, and is not personalized investment, tax, or legal advice. Apollon does not provide tax or legal advice; consult your tax or legal professional. Investing involves risk, including loss of principal, and no strategy can guarantee results. Examples and statistics are illustrative; tax and legal rules vary and are subject to change. Apollon and/or The Real Money Pros receive sponsorship or advertising compensation from certain guests and third parties, and Apollon and a sponsor may refer clients or prospective clients to one another. These arrangements create a conflict of interest. Views expressed are those of the hosts and guests and do not necessarily reflect the views of the radio station. Nothing discussed should be construed as an endorsement or recommendation by Apollon or the station of any investment, product, service, or strategy. Additional information, including conflicts of interest, is in our Form ADV Part 2A. This is available on our website, www.apollonwealthmanagement.com.

Higher bond yields can look attractive to investors seeking income, but they also come with a tradeoff: when market yields rise, the prices of existing bonds generally fall. So what does that mean if you're already holding bonds, particularly as you approach or enter retirement? In the first hour of the show, Jeremiah runs solo to break down the relationship between bond prices and yields using a straightforward example of a $1,000 bond paying $50 annually. He explains why that same bond can trade at a premium or discount, how its effective yield changes with the purchase price, and why an investor holding an individual bond to maturity may view price fluctuations differently from someone planning to sell. Jeremiah also examines how changing interest-rate expectations affect fixed-income investments, why higher dividend yields aren't necessarily an invitation to buy a falling stock, and what happens when investors prioritize current income without accounting for inflation. Along the way, he discusses the financial adjustments business owners face after selling their companies and replacing business income with investment income. Ultimately, the conversation comes back to retirement planning: how much money needs to remain liquid, how much income the portfolio must produce, and how much growth is necessary to maintain purchasing power over time.   Find an advisor that's best suited for you: https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ ————————————————————— The Real Money Pros is hosted by team members of Tree City Advisors of Apollon, a DBA of Apollon Wealth Management, LLC, an SEC-registered investment adviser. Advisory services are offered through Apollon Wealth Management, LLC. This program is for informational and educational purposes only, may not be suitable for you, and is not personalized investment, tax, or legal advice. Apollon does not provide tax or legal advice; consult your tax or legal professional. Investing involves risk, including loss of principal, and no strategy can guarantee results. Examples and statistics are illustrative; tax and legal rules vary and are subject to change. Apollon and/or The Real Money Pros receive sponsorship or advertising compensation from certain guests and third parties, and Apollon and a sponsor may refer clients or prospective clients to one another. These arrangements create a conflict of interest. Views expressed are those of the hosts and guests and do not necessarily reflect the views of the radio station. Nothing discussed should be construed as an endorsement or recommendation by Apollon or the station of any investment, product, service, or strategy. Additional information, including conflicts of interest, is in our Form ADV Part 2A. This is available on our website, www.apollonwealthmanagement.com.

Selling a business isn't one decision. It's a process that can begin years before the transaction actually closes. Jeremiah Bates and Nic Daniels are joined by Jeff Szczypinski of WR Valuations to walk through that process, from establishing what a business is worth and identifying what could improve its value to dealing with buyers, due diligence, deal structure, taxes, and the eventual closing. They also look at the sale from the owner's side of the table. How much do you actually need from the business to fund the next stage of your life? What happens when business income disappears? And how should the proceeds fit into your retirement, tax, investment, and estate planning? For business owners considering an exit, this episode is a look at both sides of the transaction: getting the business sold and making sure the sale actually works for you.   Find an Advisor That's Best Suited For You https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ ————————————————————— This podcast is for educational purposes only and is not tax, legal, or individualized investment advice; Apollon Wealth Management, LLC ("Apollon") does not provide tax or legal advice, so consult your CPA or attorney. WR Valuations and its representatives are not affiliated with Apollon; the guest's views are his own, and Apollon has not independently verified them. Neither party receives compensation for referrals. Examples are illustrative; individual results vary, and no strategy can guarantee results or protect against loss. Apollon and its affiliates may benefit financially if you become a client. See Apollon's Form ADV Client Disclosure Brochure for information about risks and considerations relating the services offered through Apollon. This is available on our website, www.apollonwealthmanagement.com.