In this episode of Dollars & Sense with Joel Garris and Kristin Castello, listeners get a front-row seat to a lively discussion on the latest government updates, major tax changes taking effect in 2025, and the crucial steps needed to prevent costly mistakes with retirement account beneficiaries. 

The show kicks off with the recent end of the government shutdown, playful banter about holiday travel and food benefits, and a spotlight on the team's annual food and toy drive. Joel and Kristin then break down the most impactful tax changes for the coming year, including a new $6,000 senior deduction, temporary exemptions for tips and overtime, expanded SALT deductions, and a car loan interest write-off. Clear income limits and practical advice make these updates easy to understand, and the hosts share candid insights about who benefits most and how to maximize your savings. 

The episode’s second half zeroes in on retirement planning, focusing on how simple beneficiary mistakes can have dramatic financial consequences. Through real-life stories and actionable solutions, Joel and Kristin guide listeners through the top pitfalls—like neglecting beneficiary forms, naming estates instead of people, skipping contingent beneficiaries, and forgetting spousal waivers on 401(k)s. They emphasize the importance of regularly reviewing forms, keeping financial information organized, and preparing loved ones for the unexpected. 

Listeners walk away with a checklist of practical tips: review beneficiary forms, never name your estate, list both primary and contingent heirs, complete new paperwork when transferring accounts, and keep spouses and trusts properly documented. The hosts round out the episode with heartfelt marital and financial advice—reminding couples to share knowledge, stay organized, and plan ahead for peace of mind. 

Latest Tax Deductions and Vital Estate Planning Tips to Prevent Beneficiary Mistakes

If Metallica were a punk band and covering a Jerry Lee Lewis song. Peace and love to everyone. Happy Birthday.

Rockin' My Life Away (Metallica Green Days Revisited)

O custo de via começou a ter impacto no voto norte-americano? O caso da Geórgia foi paradigmático? Mais do que Nova Iorque? Como é que os custos energéticos podem estar a mudar o cenário político? E a IA ou a nuvem? A vitória democrata em Nova Iorque deve-se a uma alteração do eleitorado? De estratégia? A IRA é uma milícia? Sócrates fica sem defesa? A CNE esteve bem ao decidir a favor do Chega? E os EUA?

Ep. 278 - Ciclo eleitoral nos EUA; Portugal: IRA, defesa de Sócrates, CNE e Chega

Curious about the latest retirement updates and how to safeguard your finances in a digital world? In this engaging Thanksgiving episode of Dollars & Sense, hosts Joel Garris and Chet Cowart kick off with holiday traditions and a brief history of Thanksgiving, then dive into timely financial topics that matter to every listener. 

The episode covers newly announced 2026 contribution limits for 401ks and IRAs, including special catch-up options for those nearing retirement age. Joel and Chet break down the key differences between traditional and Roth IRAs, sharing actionable advice for making the most of your retirement savings—whether you’re just starting out or preparing for your golden years. 

Listeners also get a wake-up call about the billions lost in forgotten 401k accounts and learn practical strategies to track, consolidate, and grow their retirement funds. Plus, the show highlights the growing threat of AI-powered scams, revealing how deepfake technology is being used to impersonate financial icons like Warren Buffett. You’ll get essential tips to spot scam messages and protect your money from digital fraudsters. 

The hosts wrap up with a step-by-step guide to optimizing your savings—from building an emergency fund to leveraging HSAs and brokerage accounts. Whether you’re planning your first investment or revisiting your retirement strategy, this episode is packed with expert insights to help you secure your financial future. 

Are You Maximizing Your 401k? And What Can You Do To Protect Yourself From AI Scams?

Cóclea - Bam Bam

Cóclea - Kunai

Cóclea - No es ni esto, ni lo otro. Si hubiese podido, lo hubiese hecho igual... C'est la vie

Cóclea - Somos Solo Ruido

Cóclea - Yam

Jeff Kowal opens the show by answering common IRA questions clients are asking financial advisors. Later Chaunsy Weisensel joins to discuss the lack of progress workers are making with retirement savings. Then Jeff touches on considerations for aging in place and wraps up the show why you need to look at total planning, not just what you have in stocks.

The Retirement Clinic-11-15-25 – IRA Questions and Distribution Rules

Dollars & Sense with Joel Garris of Nelson Financial Planning is Central Florida's longest-running radio program. Joel is a CERTIFIED FINANCIAL PLANNER, a Certified Financial Fiduciary and a former corporate attorney who changes lives through successful planning.

Visit www.NelsonFinancialPlanning.com or call 407-629-6477 to schedule a free one on one conversation.

Offering securities through Nelson Ivest Brokerage Services, Inc, Member FINRA, MSRB & SIPC. Please note that these broadcasts are intended for general informational purposes only as individual situations may vary. The views expressed are those of the speaker and are subject to change at any time. Statements made should not be relied upon as a recommendation or solicitation. When discussed, past performance is no guarantee or indication of future results.

Descend an abyss of moreauvian absurdity, where curiosity and creativity blur the line betwixt beast and beauty.

Content presented here is intended to be humorous and satirical, imitating or exaggerating original works for parody and comedic effect.

A realidade a partir de um triângulo que foi vergonha e hoje é Orgulho. Político, sempre. Cultural e Social, quando nos apetecer. Comunitário e atrevido, se estivermos para isso. Um podcast sem linhas de formatação, mas com todas as formas da diversidade.

Correio dos Ouvintes: darkroom@triangulacaodocirculo.pt

With retirement just around the corner, you need a partner you can trust to help navigate the ins and outs of retirement planning.  Whether you’re looking for a final push heading into your retirement, retirement asset management and consolidation, or assistance in transferring business assets to retirement assets, our team’s focus is on helping you realize your vision.

You can listen to the Kowal Investment Group - now Creative Planning, "Retirement Clinic" podcasts, with retirement and investment planning tips and news right here on Soundcloud. **This is a previously recorded show.**

New tracks tagged #ira