Planned Solutions is an Independent Financial Planning Firm - looking out for our client's best interests. With over 30 years in the financial planning business, we at Planned Solutions will help guide you to a secure financial future. At Planned Solutions, a CERTIFIED FINANCIAL PLANNER™ professional will sit down with you, review your current situation and work with you to develop an individualized financial plan and implement an asset management strategy. We are very familiar with the rang ...
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Common Sources of Negative Tax Surprises, Where Inflation is Hiding & Sale of Primary Residence
27:23
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27:23
In this episode of the Planned Solutions Incorporated Podcast, the US tax system is complex with many moving pieces that can lead to tax surprises. Changes in income, deductions, credits, or tax withholding can all lead to a taxpayer owing more tax than expected. Some of these changes can be anticipated by taxpayers so that they can plan to increas…
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Custodial Accounts And Tax Planning, Stock Earnings Increase, Interest Rates And Tax Withholding
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29:53
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29:53
In this episode of the Planned Solutions Incorporated Podcast, In a real-life case study, we explore just one way that a financial advisor can use strategic timing along with the integration of investment and tax planning to increase the long-term financial benefits from a savings and investing strategy. Here we explore the intersection of long-ter…
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Interest Rates, The Yield Curve & Credit Spreads, Excess HSA Contributions
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25:26
In this episode of the Planned Solutions Incorporated Podcast, Interest rates are often referred to generically when referencing the Federal Funds Rate (the overnight lending rate between banks that the Federal Reserve manages). However, many interest rates are impacted by the term of a loan and the risk that the loan will not be paid back. To full…
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Charitable Tax Deductions What You Need To Know And Fed Policy And Market Expectations
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33:19
In this episode of the Planned Solutions Incorporated Podcast, The IRS charitable contribution rules are complex. The rules differ depending on the type of property donated (cash, check, credit card, or in-kind), the amount donated, the taxpayer’s income or other tax deductions, whether the taxpayer receives goods or services in return for the dona…
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Refinance Your Mortgage, US Consumer Sentiment Surged In January, 529 Plans To Repay Student Loans
26:05
26:05
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26:05
In this episode of the Planned Solutions Incorporated Podcast, Mortgage rates have declined recently from very high levels. This has caused some homeowners who purchased a new home last year during the higher interest rate environment to consider refinancing their mortgage to capture the lower rates. While mortgage interest rates are a big factor i…
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Beware A Rotation In Stock Leadership Stock Market Dips To Start 2024 Electric Vehicle Tax Credits
29:44
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29:44
In this episode of the Planned Solutions Incorporated Podcast, The Magnificent Seven (the seven most valuable companies included in the S&P 500 index) increased in value by 75% in 2023, whereas the remaining 493 stocks in the index increased by 12%. This has captured the attention of investors and the financial press. However, what is often ignored…
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Shelter Prices And Rents Holiday Retail Sales IRS Suspends Missed RMD Penalty For Certain
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30:12
In this episode of the Planned Solutions Incorporated Podcast, There is a discrepancy between the official government price data for shelter (rents) and the data reported by multiple private data providers. The US government numbers show rents increasing 6.5% over the past year while private data reports a 2.1% decrease in rents. Many economists an…
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Energy Efficient Tax Credits, US Stock Market Hits High, Health Savings Accounts Limits Increase
27:50
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27:50
In this episode of the Planned Solutions Incorporated Podcast, The federal tax code offers several tax credits for the purchase and/or installation of energy-efficient property. These credits generally fall into three categories: Residential Clean Energy Credits (credits for clean energy generation), Clean Energy and Vehicle Credits (credits for bu…
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Interest Rate Expectations, 2024 IRS Standard Deduction, Annual Gift Tax Exclusion Increases
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20:49
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20:49
In this episode of the Planned Solutions Incorporated Podcast, As the last several months have demonstrated, the future path of interest rates is unknown. However, the expected path of interest rates can be discerned by examining the futures markets where investor thinking is reflected in prices and expectations for rate changes. Currently, the mar…
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October Inflation Report Social Security COLA 3.2% For 2024 401k Contributions Help FAFSA
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27:10
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27:10
In this episode of the Planned Solutions Incorporated Podcast, The official inflation rate ticked down to 3.2%, the same level as the July report, and the lowest inflation rate in several years. All the major categories, including food, energy, and shelter declined over the past twelve months creating hope that inflation will now continue its downw…
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US Government Debt And Deficit Financing 401k Force Out Limits Increase Management Of Credit Cards
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29:22
In this episode of the Planned Solutions Incorporated Podcast, The US Treasury is becoming a larger and larger focus of Wall Street as the US Government has been borrowing very large amounts from the private sector. With the current large federal deficit, the need to roll over short-term borrowing, higher interest rate costs, and reduced lending fr…
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Trend Following As A Risk Management Tool, Review of Subscriptions & Are Recession Predictions Dead?
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27:06
In this episode of the Planned Solutions Incorporated Podcast, Trend following is often used by investors in an attempt to profit by predicting market price trends. The effectiveness of this is unproven at best. However, trend following may be used as an effective risk management tool by highlighting time periods when investors may benefit from red…
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Impact Of Higher Interest Rates Mixed Tax Underpayment Penalties Investing In Collectibles
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33:27
In this episode of the Planned Solutions Incorporated Podcast, Interest rates have increased sharply in the past 18 months as the Fed attempts to slow the economy and bring inflation down to its 2% target. However, several areas of the economy have reacted in unusual ways as the job market has remained strong and single-family home prices remain el…
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Inflation Increases In August Personal Residence Exemption Social Security Spousal Benefits
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27:04
In this episode of the Planned Solutions Incorporated Podcast, The annual inflation rate ticked up to 3.7% in August which is a 0.5% increase from the 3.2% in July and up 0.7% from the 3.0% reading in June. The primary cause of the increase in prices in August was that energy deflation appeared to be subsiding while shelter prices declined but at t…
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Student Loan Payment Restart Rethinking Utility Stocks Roth SIMPLE And Roth SEP
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22:31
In this episode of the Planned Solutions Incorporated Podcast, Student loan payments and interest charges are set to start once again on September 1st. However, the new SAVE Plan has expanded the rules for income-based student loan payments to reduce the payment amount for many borrowers. The definition of low-income borrowers has been expanded so …
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The Interest Rate Cycle, Government Crowding Out & Secure Act 2.0
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26:37
In this episode of the Planned Solutions Incorporated Podcast, Central banks have increased interest rates around the globe in an effort to bring down inflation. Now the Federal Reserve may be at the end, or getting close to the end, of its interest rate hiking cycle. However, the impact of higher long-term interest rates is not fully reflected in …
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Are You Getting The Most Out Of Your Employee
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26:05
In this episode of the Planned Solutions Incorporated Podcast, There are a wide variety of employee benefits offered by different employers. In many cases, the value of these benefits may add up to a large percentage of the employee’s overall compensation. Therefore, it is important to review these benefits as well as their taxbenefits or consequen…
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Inflation Continues To Decline In June 529 To Roth IRA Transfers
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24:19
In this episode of the Planned Solutions Incorporated Podcast, The rate of inflation declined by two-thirds from a year ago when it peaked at 9.1%. The June inflation rate was just 3.0%, a 1.0% decline from May. The decrease in prices was led by a large drop in energy prices, while food and shelter inflation remained persistently high.However, the …
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Cash Management And The Term Structure Of Interest Rates, Series I Savings Bonds & Medicare IRMAA
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24:00
In this episode of the Planned Solutions Incorporated Podcast, The yield curve is currently inverted meaning short-term term deposits are paying a higher interest rate than longer-term deposits. So, why would savers commit to longer-term deposits at a lower interest rate? It all comes down to the expectation for the future path of interest rates. I…
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Q2 Earnings Season Understanding Money Markets
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24:49
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24:49
In this episode of the Planned Solutions Incorporated Podcast, The S& P 500 earnings season is right around the corner. This could be a key earnings season for the stock market following the sharp rebound in earnings reported in the first quarter. Should earnings continue to rebound, and possibly exceed their peak from the fourth quarter of 2021, i…
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Summer Job Guide, How Low Will Oil Prices Go? Debt Ceiling Debate
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28:06
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28:06
In this episode of the Planned Solutions Incorporated Podcast, Summer jobs for teens are often low-level and low paying. However, they can be an important springboard that can be used to start a career on the right track and jumpstart a financial plan. Therefore, itis important to be prepared to take advantage of the career skills and learning oppo…
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Fed Policy In 2023 Written by Google Bard & Social Security Wage Base
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28:08
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28:08
In this episode of the Planned Solutions Incorporated Podcast, We decided to outsource our lead article to Google Bard this week. Google Bard is Google’s Artificial Intelligence Chatbot. We found that the article generated was mostly accurate, although not completely (see notation in the article), which raises concerns about misinformation or false…
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Technology Stocks Lead Market Financial Stress Index Considerations When Choosing a Trustee
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28:17
In this episode of the Planned Solutions Incorporated Podcast, Technology stocks have outperformed other sectors by a wide margin so far in 2023, helping to offset the large losses in Technology stocks in 2022. This has caused some investors to allocate a large percentage of their stock portfolios into this single sect or which may result in higher…
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US Economy Grows In First Quarter Consumer Sentiment Rebounds Term Insurance Conversion Features
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29:08
In this episode of the Planned Solutions Incorporated Podcast, The US economy grew just 1.1% in the first quarter, a lower growth rate than the prior two quarters. However, the report had a lot of positives with household spending up 3.7% and government spending increasing 4.7%. Meanwhile, investment expenditures were a dragon growth, down 12.5%, l…
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International Monetary Fund Inflation Continues to Cool PSI Office Bulletin Board
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28:31
In this episode of the Planned Solutions Incorporated Podcast, The International Monetary Fund (IMF) has lowered its economic growth forecast in recent weeks but continues to predict positive growth rates for the majority of the globe. However, the expected pace of economic growth around the globe, as well as in the US, is fairly low compared to hi…
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Choosing The Right Credit Card, Real Estate Market, Minor as an IRA Beneficiary
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25:02
In this episode of the Planned Solutions Incorporated Podcast, Picking the right credit card often depends on how a cardholder plans to use the card. For most people who pay off their credit card balances each month the interest rate charged by the credit card should be the last consideration. Instead, it is advisable to weigh therewards that the c…
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Game Theory Bank Runs And The Prisoners Dilemma
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34:26
In this episode of the Planned Solutions Incorporated Podcast, The recent bank run that caused three large banks to fail in the US this year is a classic case of a Prisoner’s Dilemma. A Prisoner’s Dilemma is a game theory concept that illustrates how the optimal strategy for participants may lead to a less-than-optimal outcome that leaves all invol…
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Maximizing Bank Deposit Yields, Tax Losses, Real Estate Appraisals After Death
23:12
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23:12
In this episode of the Planned Solutions Incorporated Podcast, With interest rates are significantly higher than they were last year, this is a good time for savers to review their cash management strategies to ensure that they are maximizing the interest rates they are earning on their savings. This may involve shifting money to accounttypes that …
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Goods Inflation Continues To Fall, Services Inflation Elevated
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30:50
In this episode of the Planned Solutions Incorporated Podcast, The US inflation rate declined slightly in January as goods prices continued to decline but services prices climbed. This will likely cause the inflation focus to shift from goods to services going forward as service prices will need to decline for inflation to return to its longer-term…
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Weekley Economic Index Shows Slow Growth But No Recession
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32:26
In this episode of the Planned Solutions Incorporated Podcast, The Weekly Economic Index (WEI) is a high-frequency (updated weekly rather than monthly or quarterly) economic indicator that has a strong track record of predicting the pace of US economic growth. Currently, the WEI is forecasting slow economic growth but is not yet predicting a recess…
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Inflation Data And Profit Margins Investing In Solar
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27:06
In this episode of the Planned Solutions Incorporated Podcast, Consumer prices have been in focus for the past several years as the Consumer Price Index (CPI) reported above-average increases in prices. However, what has been lost in this data is the even larger increase in the Producer Price Index (PPI) which measures prices paid by businesses for…
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Required Minimum Distribution, Student Loan Management, Secure Act 2.0 – 529 to Roth IRA Transfers
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26:40
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26:40
In this episode of the Planned Solutions Incorporated Podcast, the passing of the Secure Act 2.0 has made several changes to the rules governing retirement accounts. Among these changes is the change in the Required Minimum Distribution (RMD) rules which extend the age at which retirement account owners will need to take distributions to age 73 in …
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Foreign Stocks Outperform US Stocks
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22:16
In this episode of the Planned Solutions Incorporated Podcast, Foreign stocks have outperformed US stocks by 12% over the past two months. This represents a major shift from what has been a long and fairly consistent period of higher returns from US stocks. This recent shift in returns is partially explained by a weakening US dollar compared to oth…
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Decrease In Inflation , Tax Loss Harvesting , Gift Tax Exclusion
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28:35
In this episode of the Planned Solutions Incorporated Podcast, The US inflation rate declined to 7.1% in November, the fifth consecutive month of decline. While food and energy inflation remain high year-over-year, both show shorter-term improvement with the pace of the increase in food prices declining and energy prices dropping in four of the las…
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US Economic Growth And Recession Risk Cryptocurrency Companies Repeat Past Mistakes
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29:59
In this episode of the Planned Solutions Incorporated Podcast, The estimates of global economic growth have been revised several times in 2022 as the probability of a recession in the US within the next twelve months has increased to nearly 25%. It seems the best scenario is a period of very low economic growth, with the worstcase is a period of ec…
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Stock Market Volatility Inflation Cools In October Tax Form 1099-K
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28:15
In this episode of the Planned Solutions Incorporated Podcast, The stock market surged on November 10th in response to a better-than-expected inflation report. This has caused some to question how stock prices can be considered rational when prices sometimes swing by such large amounts in one day. The answer relates to the fact that investors are f…
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Inflation And Tax Rates, US GDP Increase and Social Security Increase
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31:41
In this episode of the Planned Solutions Incorporated Podcast, The high rate of inflation throughout 2022 has resulted in large adjustments to a number of areas of the US income tax code. The number of tax deductions, the levels for each income tax bracket, and the income levels of tax credits are all adjusted upward for 2023. This will produce lit…
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Stock Market And Political Risk
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27:11
In this episode of the Planned Solutions Incorporated Podcast, With the mid-term elections around the corner, there is a lot of noise about the risks that it could pose to the markets and the economy. Much of this is political rhetoric as both parties make their case for political power or attack the other in an attempt to get their base excited to…
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Stock Market Speculation Declines To Its Long Term Average Mortgage Strategy
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23:06
In this episode of the Planned Solutions Incorporated Podcast, The level of margin debt (money borrowed to invest in stocks) was at high levels in late 2021 creating a concern about the high level of short-term speculation in the stock market. However, since then, the amount borrowed to invest in stocks has declined sharply and isnow in line with t…
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Stock Market Fails to Regain Long-term Upward Trend, Inflation, Social Security Offset
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26:51
In this episode of the Planned Solutions Incorporated Podcast, The US stock market was unable to resume an upward trend in August as the market stalled out at the 200-day moving average trend line. Now the market is trading between its long-term trendline and the low for the year in mid-June. While these trends offer some indication of the market t…
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Student Loan Forgiveness Commodity Cycles Are Everywhere Fed’s Tough Talk Rattles Markets (
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24:21
In this episode of the Planned Solutions Incorporated Podcast, The recent executive order creating student loan forgiveness of $10,000 or $20,000 for most student loan borrowers has created more questions than it has answered. Over time we should get more information on how this will be administered and the steps that borrowers will need to take to…
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Panic Buying Slows On Wall Street Meme Stocks Attempt A Comeback
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30:17
In this episode of the Planned Solutions Incorporated Podcast, The strong rebound in stock prices over the past two months has partially been due to short sellers reversing their bets against stocks. The short interest, the number of shares borrowed and sold, reached a high in mid-June but has since declined. Often when stock prices increase short …
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Stock Market Nears Key Resistance Point, US Economy Contracts, Strategies for Inherited IRAs
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27:05
In this episode of the Planned Solutions Incorporated Podcast, The US stock market has rebounded from its mid-June lows rallying 13% and cutting the losses for the year in half. However, the market is now nearing a key resistance line defined by the mid-March lows and the late-May/early-June highs. Should the market fail to push through this resist…
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Growth Stocks Lead Market Comeback
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23:49
In this episode of the Planned Solutions Incorporated Podcast, One of the themes of the stock market in 2022 has been the outperformance of value stocks over growth stocks. However, growth stocks have demonstrated a tendency to outperform value stacks when prices are trending upward as they have over the past six weeks. This may be a sign that grow…
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Earning Season Is In Focus On Wall Street The Mini Tech Bubble And Bust IRS Encourages Early Filing
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29:40
In this episode of the Planned Solutions Incorporated Podcast, The second-quarter earnings season, in which companies report their results for the second quarter, will be picking up steam soon. The results will likely have a significant impact on stock returns for the remainder of the year as investors assess how companies are dealing with inflatio…
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Inflation Oil Investment Cycle Housing Finance Normalizes IRS Milage Rate
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29:09
In this episode of the Planned Solutions Incorporated Podcast, increasing oil prices have been a major contributor to the high inflation rates in the US. The increase in oil prices is due to a variety of factors, but the most important may be the oil investment cycle. This is the pattern of increased and decreased investment in new oil supply in re…
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Stock Market Dips Into Bear Market Territory Motor Vehicle Supply Chain Recovers RSU's
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29:41
In this episode of the Planned Solutions Incorporated Podcast, The S&P 500 entered bear market territory (defined as a 20% or greater decline from the previous high) in mid-June. The stock market is now very close to pricing in a recession which on average could be expected to lead to a 27% decline in stock prices. Therefore, even if the US economy…
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Inflation Breakeven Rate Leftover 529 Plan Balances Charitable Remainder Trusts
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26:05
In this episode of the Planned Solutions Incorporated Podcast, the inflation breakeven rate is derived by comparing the interest rates paid on nominal Treasury bonds to the rates paid on inflation-protected Treasure bonds. It is a way for economists to gauge the inflation expectations of investors who are investing real money in these markets, as o…
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Inflation’s Impact On Households, Businesses, And Government
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29:39
In this episode of the Planned Solutions Incorporated Podcast, As high inflation continues to impact households and businesses, the different segments of the economy are pointing fingers at each other. Households blame government policy for overstimulating the economy last Spring, the government blames businesses for price gouging, and businesses b…
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US Market Test Key Level Series I Savings Bonds IRS Form 1099 - K
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26:19
In this episode of the Planned Solutions Incorporated Podcast, The stock market is currently testing a key level that could impact the performance of the market over the first six months of 2022. After declining in January, and then falling further in March, the stock market is now testing its lows from March. Should the market rebound in May it ma…
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