Metcalf Money Moments-PYP-25-0117-Trailer

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Voice Over: [00:00:00] Welcome to Metcalf Money Moment, the podcast, unlock financial clarity and confidence with expert insights to achieve your goals hosted by Jeff Graham, Ethan Hutcheson, and Eric Wymore. Each episode offers decades of combined expertise in wealth management, retirement planning, and more. Join us for practical strategies to inspire your financial journey.

Now your hosts.

Jeb: What a Metcalf Money Moment was is we would get on. The And talk for one to two minutes about some sort of subject matter and talking to Ethan and Eric and, uh, kind of going through, uh, what our, what our plan is with these things. We kind of decided that it was very difficult to get too deep into a topic.

So we could kind of barely touch on it. Uh, and, and the point of this is what we want to do is take those Metcalf money moments and, Kind of, uh, pump them up a little bit and then be able to collaborate on [00:01:00] some of these topics. Basically, we were kind of doing some financial planning. We, we hit some sort of subject that we think is relevant to a lot of other, other clients.

Uh, obviously we're not going to name that client by name, but we're going to take the situation and try to kind of deep dive into that and hopefully bring some information, uh, that would help another client.

Annie: Appreciated stock is a common type of asset to give into these accounts as well, because that helps to leverage the client's.

Um, tax savings. They don't have to pay capital gain on the appreciated stock. That stock can go into a donor advice fund

Ethan: being very, um, conversational with your advisor or us and letting us know well in advance, Hey, there's a large purchase down the road. We might, we might need to, you know, make a distribution to pay for that.

The earlier we know the better.

Eric: If we

Ethan: can take

Eric: that money out at a lower tax bracket. Either do it into a, send it over to a non retirement account and live off those, those, those dollars later in life, or we can do our Roth conversion, reinvest that money, have it continue to grow for us. And then we don't even have [00:02:00] to worry about the RMD in the future.

Annie: Bunching is a very common strategy that we see utilized in donor advised funds. So that means that a client is taking a standard deduction in some years. And then in other years, maybe every other, every third. Year, they are itemizing their tax return. And in those years, they're going to be appreciated.

Typically we're seeing appreciated stock donated those

Ethan: I bonds that everybody put 10, 000 in back in 2022. Remember that was kind of the talk of the town. You can get, you can get a 9 percent return on a 10, 000 investment, which was awesome. Which is great. I mean, yeah, that was virtually unheard of. But those IBONs aren't paying anywhere near what they were before.

Annie: We do see, you know, family giving, you know, memorial funds, things like that, um, that grandparents started, their kids continue to administer, and now they're bringing in, you know, the third or fourth generation with their grandkids, great grandkids. Well

Jeb: guys, this has been a ton of fun. Um, I think, you know, a ton of fun for us, right?

I [00:03:00] mean, we get to talk about the things that we enjoy talking about and this is Metcalf money moment, the podcast signing off, and we will see you soon.

Voice Over: Thanks for tuning in to Metcalf money moment, the podcast. We hope today's episode provided valuable insights to help you unlock financial clarity, confidence, and peace of mind. For more expert advice and resources, visit metcalfpartners. com. Until next time, make every money moment count.