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The Fiscal Physical Podcast

Ryan Nelson & Aaron Hoisington

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Welcome to The Fiscal Physical Podcast, where financial empowerment meets expert insights! Join host Aaron Hoisington in dynamic conversations with Ryan Nelson, owner of Alchemy Wealth Management and author of "Your Fiscal Physical." Whether you're a finance novice or a seasoned investor, each episode demystifies financial concepts, providing practical tips tailored for every stage of your financial journey. Our engaging discussions aim to make finance accessible and exciting for everyone.
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Send us a text Budgeting doesn't have to be a burden. Discover the secrets to financial freedom with Ryan Nelson, founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Learn how adopting the right budgeting strategies can be a game-changer for your personal finances. Ryan reveals how budgeting is much more than sheer willpower—…
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Send us a text Ryan Nelson takes center stage in this special crossover episode with Outlier's Edge, hosted by Aaron Hoisington. As we navigate Ryan's compelling journey from mechanical engineer to founder of Alchemy Wealth Management, listeners gain a fresh perspective on his methodical approach to financial literacy. Discover how Ryan's experienc…
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Send us a text Unlock the secrets to financial freedom with insights from Ryan Nelson, the founder of Alchemy Wealth Management. Discover how you can regain control over your finances by mastering debt payoff strategies. Whether you prefer the empowering momentum of the snowball method or the interest-saving avalanche approach, this episode promise…
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Send us a text Want to transform your financial mindset and align your money with your values? Listen as we, Aaron Hoisington and Ryan Nelson, promise to guide you through a treasure trove of financial wisdom. We start off with Ryan's top five book picks, shining a spotlight on "The Total Money Makeover" by Dave Ramsey and "Rich Dad, Poor Dad" by R…
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Send us a text Unlock the secrets to bridging the behavior gap and transform your financial decisions with insights from Aaron and Ryan Nelson, the founder of Alchemy Wealth Management. Ryan joins us to explore the fascinating disconnect between the sound choices we know we should make and the emotional responses that often derail us. Discover why …
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Send us a text Ever wondered why a flood of rubber ducks would send prices plummeting, or how the price tag on your medication is determined? Tune in to this week's episode of the Fiscal Physical Podcast, where we promise to unravel the mysteries of supply and demand with some surprising twists. We start by demystifying these economic cornerstones,…
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Send us a text Unlock the secrets to creating your own pension-like income stream with annuities, guided by our insightful guest, Ryan Nelson, founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Join us as we demystify annuities, exploring their potential to provide a reliable lifetime income, much like a self-created pension…
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Send us a text What if your credit score could be the key to unlocking your financial freedom? This week on the Fiscal Physical Podcast, we promise you'll walk away with a comprehensive understanding of credit and how to master it. You'll discover the critical components of your credit score and learn actionable tips for improving it. We'll break d…
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Send us a text What if understanding life insurance could safeguard your family's future and provide the financial stability you need? Join us on the Fiscal Physical Podcast as we sit down with Ryan Nelson, founder of Alchemy Wealth Management, who demystifies life insurance and its vital role in protecting your loved ones. Ryan explains the nuance…
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Send us a text Ever wondered how financial trusts can simplify your life and secure your assets? In this episode, we promise you'll gain a clear understanding of what trusts are and how they function. Join us as we chat with Ryan Nelson, the founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Ryan breaks down the complexities…
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Send us a text What happens to your assets after you're gone? Join us for our 40th milestone episode of the Fiscal Physical Podcast, where Aaron Hoisington and Ryan Nelson guide you through the essential aspects of wills and the probate process. We'll cut through the legal jargon to provide a clear understanding of how a last will and testament can…
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Send us a text How prepared are you for the inevitable complexities of aging? We kick off this episode by confronting a common oversight: long-term care needs, particularly among individuals in their mid-30s. Ryan Nelson joins us to emphasize the critical importance of early planning. From understanding what Activities of Daily Living (ADLs) entail…
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Send us a text Have you ever wondered whether paying off your house early is the smartest financial move? Join us on the Fiscal Physical Podcast as we sit down with Ryan Nelson, founder of Alchemy Wealth Management, to unravel this age-old dilemma. Through a riveting discussion, Ryan guides us on a journey of assessing personal goals, risk toleranc…
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Send us a text Can managing your tax liabilities now save you thousands in the future? This week on the Fiscal Physical Podcast, we're joined by Ryan Nelson, the founder of Alchemy Wealth Management, to uncover the strategic world of tax gains harvesting. Ryan breaks down how this often-overlooked tactic can be a game-changer, particularly if you a…
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Send us a text What if you could save a significant amount on your taxes simply by managing your investments more strategically? On this week's episode of the Fiscal Physical Podcast, we welcome Ryan Nelson, founder of Alchemy Wealth Management, to enlighten us about tax loss harvesting—a powerful tool that can help reduce your tax liabilities. Rya…
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Send us a text Can an inverted yield curve truly predict a recession? This week on the Fiscal Physical Podcast, we address one of the most debated topics in economics with clarity and insight. We kick things off with a recap of last week’s discussion on yield curves before diving deep into the phenomenon of inverted yield curves. Using concrete exa…
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Send us a text Unlock the secrets of the yield curve with financial expert Ryan Nelson, founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Ever wondered why the yield curve is such a hot topic among investors and economists? This episode will clear up the confusion, presenting the yield curve as a straightforward graphical r…
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Send us a text Can you really retire without ever running out of money? Discover the magic behind the 4% rule, a fundamental concept in retirement planning, that's stood the test of time since its inception by Bill Benjen. This episode unpacks the origins and practical uses of the 4% rule, transforming it from a mere withdrawal strategy for retiree…
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Send us a text Can you really double your investment by simply knowing a single number? On this week's Fiscal Physical Podcast, we unravel the mysteries of the Rule of 72 – a surprisingly straightforward tool that helps you estimate how long it will take for your investments to double, based on the annual rate of return. Last week we tackled the co…
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Send us a text Unlock the secrets to financial growth with Ryan Nelson, founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Ryan breaks down the concept of compound interest through straightforward examples, like how a $10,000 investment at a 10% return can snowball into significant wealth over time. By tuning in, you'll gain…
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Send us a text Staying invested over the long haul isn't just smart—it's essential. This episode breaks down the critical difference between "time in the market" versus "timing the market" through a fascinating case study from Charles Schwab. Meet Peter Perfect, Ashley Action, Rosie Rotten, and Larry Linger—four hypothetical investors whose outcome…
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Send us a text Have you ever wondered how to keep your financial portfolio in tip-top shape amidst market chaos? Discover the secrets of portfolio rebalancing with Ryan Nelson, the brilliant mind behind Alchemy Wealth Management and the enlightening book "Your Fiscal Physical." Ryan breaks down the art of maintaining balance in your investments thr…
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Send us a text Embark on a financial fitness journey with Ryan Nelson, the brains behind Alchemy Wealth Management, as we traverse the terrain of retirement savings and strategic investing. Whether you're stashing away in a 401(k) or seeking the best ways to leverage a generous employer match, our latest Fiscal Physical Podcast will empower you to …
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Send us a text Witness the unraveling of ESG investing's knotted threads as Ryan Nelson from Alchemy Wealth Management joins me to dissect the intricate blend of ethics and economics. Prepare to have your perspective broadened on how environmental, social, and governance factors intersect with your investment portfolio. We venture beyond the buzzwo…
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Send us a text Uncover the secrets of making your golden years shine with financial expert Ryan Nelson, as we delve into the world of Target Date Funds (TDFs). Simplify your retirement planning with our robust discussion on how TDFs work to balance your investment portfolio, adapting as you edge closer to bidding farewell to the 9-to-5 grind. We're…
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Send us a text Unlock the secrets of philanthropy and tax savings with Ryan Nelson of Alchemy Wealth Management in our silver anniversary episode, where we dissect Qualified Charitable Distributions (QCDs) and their lesser-known benefits. Imagine the satisfaction of supporting your favorite charities while strategically lowering your taxable income…
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Send us a text Unlock the secrets to maximizing your healthcare dollars with Ryan Nelson from Alchemy Wealth Management as he breaks down the intricacies of Flexible Spending Accounts (FSAs), shedding light on this tax-advantaged opportunity. Forget the confusion and frustration of untapped benefits; this episode guarantees you'll walk away with a …
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Send us a text Unlock the secrets of Health Savings Accounts with Ryan Nelson and me, as we delve into how HSAs can be a game-changer in your healthcare financial planning. Discover the triple tax advantages that make these accounts a critical asset for both immediate and future medical expenses. We'll guide you through the maze of HSA eligibility …
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Send us a text Unlock the mysteries of the financial world with Ryan Nelson of Alchemy Wealth Management as we examine the counterintuitive dance between interest rates and bond prices. Ever wondered why your seemingly stable bond investments fluctuate in value as the market ebbs and flows? Ryan generously shares his expertise, demystifying how an …
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Send us a text Unravel the mysteries of Required Minimum Distributions (RMDs) with expert guidance from Ryan Nelson of Alchemy Wealth Management, as we tackle the nuances of a topic that's crucial for both your retirement and tax planning. Get ready to gain a clear understanding of how the IRS ensures it gets a piece of your tax-deferred retirement…
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Send us a text Unlock the secrets to preserving your financial legacy without getting caught in the taxman's net, as I, Aaron Hoisington, team up with Ryan Nelson, the financial maestro from Alchemy Wealth Management, on the latest Fiscal Physical Podcast. We're going beyond the headlines to bring you a crystal-clear breakdown of the annual gift ta…
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Send us a text Unlock the secrets of long-term capital gains with our financial whiz Ryan Nelson from Alchemy Wealth Management, and ease the mystery around your investment taxes. We'll walk you through the different tax rates for various income levels, especially for married couples filing jointly, and show you how to optimize your portfolio for t…
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Send us a text Understand the secret sauce behind the U.S. tax system as we sit down with Ryan Nelson, the financial wizard from Alchemy Wealth Management and the brains behind "Your Fiscal Physical." We're unlocking the real story on tax brackets, dispelling myths left and right, and teaching you how your hard-earned dollars fill up the tax "bucke…
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Send us a text Have you ever found yourself at a career crossroads, pondering the fate of your 401(k) and feeling lost in the sea of financial decisions? Fear not, as we've summoned the wisdom of Ryan Nelson from Alchemy Wealth Management to navigate these choppy waters. Together with my co-host, Aaron Hoisinton, we dissect the maze of options that…
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Send us a text Unlock the secrets of savvy asset placement with financial wizard Ryan Nelson as we tackle the big questions about investment strategies and tax efficiency. Prepare to navigate the complex world of Roth IRAs, traditional IRAs, and brokerage accounts as we reveal how the right choices can lead to substantial tax savings and optimal gr…
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Send us a text Get ready to unravel the mysteries of mutual funds and ETFs with the guidance of Ryan Nelson from Alchemy Wealth Management. This week's episode is a treasure trove of insights, where Ryan dissects the intricacies behind each investment vehicle – from the initial buy-in hurdles to the nitty-gritty of cost discrepancies. Whether you'r…
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Send us a text Unlock the secrets of Exchange Traded Funds with the help of Ryan Nelson from Alchemy Wealth Management, who joins me, Aaron, in a discussion that will alter your understanding of investments. Together, we shatter the myths surrounding ETFs and mutual funds, underscoring the unique features that make ETFs a prudent choice for individ…
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Send us a text Unlock the mystery of mutual funds with none other than the financial wizard of Alchemy Wealth Management, Ryan Nelson. As his book 'Your Fiscal Physical' turns pages, so will your understanding of this investment staple after our enlightening chat. Peer into the past to grasp how mutual funds have shaped the investment landscape sin…
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Send us a text Unlock the secret to financial resilience as financial guru Ryan Nelson of Alchemy Wealth Management joins us to demystify emergency savings. Learn why having a safety net is more crucial than chasing the highest return when life throws you curveballs. Our chat goes beyond the basics, offering a personalized approach to determine jus…
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Send us a text Are you navigating the murky waters of Roth IRA contributions with an income that just won't play nice with IRS limits? Have no fear; Ryan Nelson from Alchemy Wealth Management joins Host Aaron Hoisington, to cast a lifeline of clarity. In our enlightening conversation, we dive into the 2024 income limits for those who are single and…
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Send us a text Unlock the full potential of your retirement savings with a deep dive into the mega backdoor Roth IRA, a strategy that's as mighty as it is mysterious. Together with Ryan Nelson, we explore the nuances of maximizing your 401(k) through after-tax contributions and conversions, potentially catapulting your nest egg to new heights. We d…
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Send us a text Unlock the full potential of your financial future as wealth management expert Ryan Nelson guides us through the intricacies of Roth IRAs. In a conversation brimming with strategic advice, we examine how to maximize your retirement contributions by hitting the 2024 cap of $7,000 and delve into the critical impact that missing a singl…
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Send us a text Embark on a journey to financial literacy with Aaron Hoisington and financial wizard Ryan Nelson from Alchemy Wealth Management, as we untangle the intricate web of Roth conversions. This week's Fiscal Physical Podcast is a treasure trove of strategic maneuvers, from judiciously transferring retirement assets from Traditional IRAs to…
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Send us a text Unlock the secrets to savvy retirement planning as financial wizard Ryan Nelson joins us on The Fiscal Physical Podcast to dissect the world of Roth IRAs versus Traditional IRAs. We're not just talking about dull investment advice; we're revealing the nitty-gritty of how a simple decision like where to stash your $5,000 can drastical…
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Send us a text Discover the secrets of smart investing as Ryan Nelson, the financial architect behind Alchemy Wealth Management and author of "Your Fiscal Physical," joins us to demystify asset allocation's pivotal role in building a resilient portfolio. Imagine navigating the treacherous waters of the stock market, where the presence of bonds in y…
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Send us a text Discover the keys to a fortified financial future as we sit down with Ryan Nelson, investment sage from Alchemy Wealth Management, on The Fiscal Physical Podcast. This week, we unravel the mysteries of asset allocation and diversification, revealing how a strategic spread of your investments can be your portfolio's shield against ris…
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Send us a text Join the enthralling exploration of bonds with financial whiz Ryan Nelson from Alchemy Wealth Management as we unravel the mysteries of this fundamental investment tool. Prepare to be captivated by the allure of these secure, structured investments - a perfect blend of risk and return that may just be the missing piece in your portfo…
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Send us a text Unlock the mysteries behind stock dividends with us, Aaron Hoisington and financial whiz Ryan Nelson from Alchemy Wealth Management, as we dissect the allure of these corporate payouts. Ever wondered how holding onto shares in behemoths like Apple could mean extra cash in your pocket? We're peeling back the layers to reveal how divid…
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Send us a text Ever wondered how owning a sliver of a big-name company could impact your wallet? Get ready to unravel the mysteries of the stock market with me, Ryan Nelson, your guide to investing with confidence. We kick things off by breaking down what stocks really mean for your finances. Imagine holding a piece of Apple or Google in your portf…
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Send us a text Embark on a journey to financial clarity with me, Aaron Hoisinton, as I sit down with Ryan Nelson, the financial sage behind "Your Fiscal Physical." Ryan's leap from engineering gears to financial gears unveils a stark reality—a world starved of simple money talk. Together, we tackle the elephant in the room: why is discussing our fi…
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