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  • What Your Advisor Should Tell You About 529 Plan Tax Strategies

    What Your Advisor Should Tell You About 529 Plan Tax Strategies
    2026/06/08
    Episode 39 of The Financial Advisor Podcast with Fexingo dives into 529 college savings plans and a little-known strategy: the 'superfunding' rule. Lucas explains how grandparents can contribute five years' worth of gifts at once—up to $90,000 per beneficiary in 2026—without triggering gift taxes. Luna questions the trade-offs, including control issues and the impact on financial aid. They also cover the 2026 Secure Act 2.0 changes allowing 529-to-Roth rollovers, making these plans more flexible than ever. A concrete case: a family superfunding $180,000 for twins, then rolling unused funds into Roth IRAs. Practical, specific, and timely for anyone planning education expenses. #529Plan #Superfunding #CollegeSavings #RothRollover #SecureAct2.0 #GiftTax #EducationPlanning #GrandparentStrategy #FinancialAdvisor #TaxStrategy #Finance #Investing #WealthManagement #FexingoBusiness #BusinessPodcast #LucasAndLuna #FiduciaryAdvice #PlanningTips Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • What Your Advisor Should Tell You About Asset Location

    What Your Advisor Should Tell You About Asset Location
    2026/06/08
    Episode 38 of The Financial Advisor Podcast dives into asset location—the overlooked strategy that can save you thousands in taxes without changing your investments. Lucas and Luna explain why putting bonds in a taxable account and stocks in a retirement account can backfire, using the example of a $500,000 portfolio earning 6% annually. They break down the tax treatment of interest, dividends, and capital gains, and reveal how a simple re-location of assets could boost after-tax returns by 0.5% per year. This episode also covers the 2026 tax landscape, including the expiry of lower tax brackets from the Tax Cuts and Jobs Act. If your advisor has never discussed asset location, this episode shows you what to ask in your next meeting. #AssetLocation #TaxEfficiency #FinancialAdvisor #PortfolioManagement #TaxPlanning #InvestmentStrategy #Bonds #Stocks #CapitalGains #InterestIncome #RetirementAccounts #TaxableAccounts #TCJA #2026Taxes #Finance #FexingoBusiness #BusinessPodcast #Podcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • What Your Advisor Should Tell You About Bond Laddering vs Barbell Strategies

    What Your Advisor Should Tell You About Bond Laddering vs Barbell Strategies
    2026/06/07
    Episode 37 of The Financial Advisor Podcast explores the bond laddering strategy versus the barbell approach in fixed-income investing. Lucas and Luna discuss why laddering is often default advice but may not be optimal for all clients. They examine a real-world example from June 2026 where an advisor used a barbell strategy to capture higher yields while managing interest rate risk. The hosts explain how laddering smooths reinvestment risk but the barbell can offer convexity benefits. They break down when each strategy works best, the role of the yield curve shape, and why your advisor might prefer one over the other. Practical tips for discussing these approaches with your planner are included. No prior episode has covered this specific comparison, making it essential listening for anyone with a bond portfolio. #BondLaddering #BarbellStrategy #FixedIncome #BondPortfolio #YieldCurve #ReinvestmentRisk #InterestRateRisk #Convexity #BondMaturities #FinancialAdvisor #WealthManagement #PortfolioConstruction #Bonds #Treasuries #CorporateBonds #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • What Your Financial Advisor Should Tell You About Nontraded REITs

    What Your Financial Advisor Should Tell You About Nontraded REITs
    2026/06/07
    Episode 36 of The Financial Advisor Podcast with Fexingo dives into nontraded real estate investment trusts — the high-commission, illiquid products that often sit quietly in client portfolios. Lucas and Luna unpack a specific case: a retired teacher in Ohio who was sold a nontraded REIT that tied up 18 percent of her net worth for nearly a decade with zero liquidity and a 7 percent upfront commission. They explain what nontraded REITs actually are, how they differ from publicly traded REITs, the fee structure that makes them so profitable for advisors, and the brutal liquidity trap that can leave investors stranded. Lucas walks through the SEC's recent 2025 guidance on valuation and redemption windows, and Luna flags the red flags — like the sales pitch that focuses on 'stable income' while burying the illiquidity risk. The episode also covers what a fiduciary advisor would ask before recommending such a product, including whether the client has an emergency fund, a time horizon, and a real need for private real estate exposure. No scare tactics — just the concrete mechanics and the questions every investor should hear before signing a subscription agreement. Plus, a brief note on how listener support keeps the show ad-free. #NontradedREITs #RealEstateInvesting #FiduciaryDuty #FinancialAdvisor #InvestorProtection #SEC #LiquidityRisk #CommissionConflict #PrivateREITs #DueDiligence #RetirementPlanning #AdvisorFees #AlternativeInvestments #InvestorEducation #FexingoBusiness #BusinessPodcast #FinancePodcast #TheFinancialAdvisorPodcast Keep every episode free: buymeacoffee.com/fexingo
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    6 分
  • What Your Advisor Should Tell You About Direct Indexing

    What Your Advisor Should Tell You About Direct Indexing
    2026/06/06
    Direct indexing has become one of the fastest-growing trends in wealth management, but most retail investors still don't understand what it actually does—or whether it's worth the complexity. In this episode, Lucas and Luna break down the mechanics of direct indexing: how owning the individual stocks in an index allows for tax-loss harvesting at the stock level, how it differs from an ETF wrapper, and why it only makes sense above a certain portfolio size. They walk through a concrete example: an investor with $500,000 in an S&P 500 index fund who could potentially harvest tens of thousands in losses during a volatile year, and what happens to those tax credits. The conversation also covers the hidden costs—higher management fees, tracking error, and the risk of style drift when portfolios get customized. Lucas and Luna discuss which firms are leading the space (Vanguard, BlackRock, Schwab) and what questions to ask an advisor before signing up. By the end, listeners will know whether direct indexing belongs in their own portfolio—and how to spot an advisor who is just tacking on a product versus one who is truly optimizing for after-tax returns. #DirectIndexing #TaxLossHarvesting #PortfolioManagement #WealthManagement #IndexFunds #ETFs #FinancialAdvisor #FeeStructure #TaxEfficiency #Volatility #Customization #TrackingError #Vanguard #BlackRock #CharlesSchwab #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • What Your Financial Advisor Should Tell You About Cash Value Life Insurance

    What Your Financial Advisor Should Tell You About Cash Value Life Insurance
    2026/06/06
    In this episode of The Financial Advisor Podcast with Fexingo, Lucas and Luna unpack the often-misunderstood world of cash value life insurance — specifically whole life policies sold as investment vehicles. They walk through a real-world example: a 35-year-old engineer approached by an advisor pitching a policy with a $50,000 annual premium. Lucas explains how the cash value grows tax-deferred, but highlights the steep fees in early years and the so-called 'surrender charges' that lock clients in. The hosts compare projected returns to a simple portfolio of 60% stocks and 40% bonds, showing how the insurance wrapper often underperforms after costs. They also discuss when cash value insurance actually makes sense: for high earners maxing out retirement accounts, business owners funding buy-sell agreements, or estate planning for large estates. No hot takes, just clear numbers. If you've ever been pitched a policy as a 'wealth-building tool,' this episode is a must-listen. #CashValueLifeInsurance #WholeLifePolicy #FinancialAdvisor #PersonalFinance #InvestmentReturns #InsuranceFees #TaxDeferredGrowth #BuySellAgreements #EstatePlanning #HighNetWorth #PermanentLifeInsurance #PolicySurrender #WealthManagement #FexingoBusiness #BusinessPodcast #Finance #FinancialPlanning #InsuranceVsInvesting Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • What Your Advisor Should Tell You About Roth Conversion Timing

    What Your Advisor Should Tell You About Roth Conversion Timing
    2026/06/05
    Episode 33 dives into the strategic timing of Roth IRA conversions—a topic many advisors mention but rarely optimize. Lucas and Luna break down why converting in a down market or lower-income year can slash long-term taxes, using a concrete example: a hypothetical client with $500,000 in a traditional IRA who converts during a 20% market dip. They discuss the 5-year rule for converted funds, the income bracket 'bump zones,' and why waiting until retirement may miss the window. The hosts also explain how the Tax Cuts and Jobs Act's lower brackets (set to expire after 2025) create urgency for conversions now. No fluff—just a clear framework for listeners to ask their advisor the right questions about Roth conversion timing. #RothConversion #TaxPlanning #RetirementAccounts #IRA #RothIRA #TaxStrategy #FinancialAdvisor #WealthManagement #TaxBrackets #DownMarket #ConversionTiming #TCJA #TaxCuts #Fiduciary #Finance #Investing #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • What Your Advisor Should Tell You About Inflation-Protected Securities

    What Your Advisor Should Tell You About Inflation-Protected Securities
    2026/06/05
    Episode 32 of The Financial Advisor Podcast with Fexingo: Lucas and Luna unpack TIPS—Treasury Inflation-Protected Securities—and whether they belong in a diversified portfolio. They start with the real return math behind the May 2026 TIPS auction, where the 10-year real yield opened at 1.95 percent. Lucas explains the mechanics: the principal adjusts with CPI, which sounds great until you realize taxes on phantom income eat into real returns. Luna pushes back on the common advisor line that TIPS are a no-brainer for retirees, citing the 2022 drawdown story where TIPS fell 12 percent in a year inflation hit 8 percent. They break down when TIPS work (unexpected inflation spikes, laddered maturities) and when they don't (rising real rates, taxable accounts). The episode closes with a practical framework: TIPS as a barbell with short-dated nominal bonds, not a standalone solution. Real numbers, honest trade-offs, no sales pitch. #TIPS #TreasuryInflationProtectedSecurities #Inflation #RealReturn #Bonds #FixedIncome #PersonalFinance #RetirementPlanning #Advisor #Portfolio #Laddering #Tax #CPI #FederalReserve #Finance #FexingoBusiness #BusinessPodcast #TheFinancialAdvisorPodcast Keep every episode free: buymeacoffee.com/fexingo
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    7 分