Money & Taxes from Bb to XYZ

Estate Planning Basics

Thu, 02 Apr 2026 04:00:00 -0600

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, walk through estate planning from a financial planning standpoint. It's important to note that neither Jason nor Regina is an attorney, and the information provided in this episode is not legal advice. They explain why it's crucial to work with a licensed attorney to create and update estate planning documents and touch on why so many people delay this important task. Jason and Regina also discuss the emotional and financial barriers that can make estate planning feel intimidating, while emphasizing that having something current in place is far better than having nothing at all. The conversation covers the core documents that make up a basic estate plan — including a will, financial power of attorney, health care power of attorney, and living will — along with the role of trusts and why those decisions often require legal guidance. Regina and Jason also highlight the importance of coordinating beneficiary designations and account titling with your estate plan so your executor can carry out your wishes as you intended.

Takeaways

A basic estate plan usually includes a will, financial power of attorney, health care power of attorney, and living will.
Something is better than nothing. Even a simple, updated set of documents can be far more helpful than outdated or missing estate documents.
Don’t overlook beneficiary designations, since they can override what is written in your will.

Have a tax question for the show?

Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.

Disclosures

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.

The Dirty Dozen: Tax Scams to Avoid

Thu, 19 Mar 2026 04:00:00 -0600

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, break down the IRS’s annual "Dirty Dozen" list of tax scams and schemes to watch out for during tax season. They cover common threats like IRS impersonation by text, email, and even AI-generated phone calls, along with fake charities, misleading tax advice on social media, ghost preparers, and fraudulent tax credit schemes. The conversation also highlights newer issues on the IRS radar, including abusive capital gain claims and misleading offer-in-compromise marketing. Throughout the episode, Regina and Jason emphasize the importance of protecting your personal information, reviewing your return carefully, and working with qualified tax professionals to avoid costly mistakes or fraud.

Takeaways

Be cautious of IRS impersonation scams, especially by email, text, or phone. The IRS usually contacts taxpayers by mail first.
If something on a tax return or refund promise seems too good to be true, it probably is. Always review your return before signing it.
Working with a qualified tax professional, such as a CPA or enrolled agent, can help you avoid scams, bad advice, and risky tax positions.

Have a tax question for the show?

Disclosures

So Many Tax Forms, So Little Time!

Thu, 05 Mar 2026 04:00:00 -0600

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, step inside Jason's "tax bunker" to break down the sometimes seemingly overwhelming world of tax documents. From W-2s and 1099s to K-1s and 1098s, they explain what forms to expect, why some arrive later than others, and why filing too early can sometimes create more problems than it solves. The conversation highlights the importance of patience during tax season, especially when waiting on brokerage statements or partnership K-1s that may trigger the need for an extension. They also emphasize that not all tax documentation comes in the mail. Many records, such as property tax payments, charitable donations, and self-employment expenses, are your responsibility to track and organize. Whether you file yourself or work with a professional, staying organized and understanding the timeline can make tax season far less stressful.

Takeaways

Not all tax forms arrive by January 31. Some brokerage statements, K-1s, and revised forms may take weeks or even months, so patience is key.
Some of your most important tax documents are self-created records, like expense logs, charitable receipts, and property tax payments, so good recordkeeping matters.
If taxes feel overwhelming, use a structured questionnaire or work with a qualified preparer, but be cautious of anyone promising results that sound too good to be true.

Have a tax question for the show?

Disclosures

Is Your Lifestyle Creeping Up On You?

Thu, 19 Feb 2026 04:00:00 -0600

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, dive into the subtle but powerful impact of lifestyle creep and inflation on your financial plan. They explore how rising income, combined finances, or even small “reward” spending habits can gradually increase your cost of living, often without you noticing. Jason and Regina highlight the importance of tracking expenses, recognizing spending patterns, and making intentional adjustments before lifestyle creep begins to derail long-term goals. They also discuss the difference between lifestyle inflation (which you can control) and economic inflation (which you can’t), and how keeping your dollars productive through smart saving and investing can help protect your purchasing power over time.

Takeaways

Lifestyle creep happens quietly, so tracking your spending is the first step toward identifying and correcting it.
You can’t control inflation, but you can combat it by keeping your money productive in high-yield savings and investments.
Intentional spending matters: If income increases, plan one mindful “treat” instead of letting expenses gradually expand across the board.

Have a tax question for the show?

Disclosures

Why Reset Your Budget in February?

Thu, 05 Feb 2026 04:00:00 -0600

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, explain why February — not January — is the ideal time to reset your budget and cash-flow plan. With holiday spending behind you and a clearer picture of your real monthly expenses available from January, February offers the opportunity to make meaningful, realistic adjustments early enough to influence the rest of the year. The conversation covers practical steps like reviewing subscriptions, right-sizing recurring expenses, planning for large upcoming purchases, as well as aligning savings with short- and long-term goals. Regina and Jason also emphasize that cash flow planning isn’t about restriction. Instead, iit’s about intentionality, balance, and aligning spending with your values while supporting the rest of your financial plan.

Takeaways

February is the ideal time to reset your budget with a clearer view of real spending after the holidays.
Cash-flow planning is about intentional, values-based spending — not simply cutting costs.
Align savings and upcoming large expenses with your plan by moving near-term money away from investment risk and into cash.

Have a tax question for the show?

Disclosures

Retirement Planning in 2026

Thu, 22 Jan 2026 04:00:00 -0600

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, focus on retirement planning in 2026. They discuss how small, intentional decisions early in the year can have a big, long-term impact. Using real-life examples, they discuss the importance of prioritizing tax-advantaged accounts like Roth IRAs, HSAs, and 401(k)s while still maintaining a strong emergency and future opportunities fund (EFOF) to support flexibility when life happens. The conversation highlights how time, compounding, and cash-flow planning work together — and why retirement planning should never exist in isolation from the rest of your financial life. They also emphasize balancing long-term retirement goals with near-term priorities, ensuring your financial plan supports both future security and present-day enjoyment, whether you’re still working or already retired.

Takeaways

Contributing to retirement accounts early in the year maximizes the time value of tax-advantaged growth.
A well-funded emergency fund provides flexibility to invest confidently and handle unexpected expenses.
Retirement planning should align with immediate-term cash-flow planning, short-term goals, and the major life events mixed throughout — not just long-term projections.
You may need to adjust retirement contributions temporarily to fund upcoming goals without derailing your overall plan.
Financial planning continues through retirement. Distribution strategies matter just as much as saving.

Have a tax question for the show?

Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscriptions required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.

Disclosures

New Year, New You, Fresh Plan!

Thu, 08 Jan 2026 04:00:00 -0600

In this episode of Money and Taxes from BB to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, kick off the new year by exploring why January often feels like the perfect time for a fresh financial start — but isn't the only right time to revisit your plan. They discuss the difference between building a brand-new financial plan, doing a full plan refresh, and simply "polishing" specific areas like cash flow, investments, or taxes. The conversation highlights common life and financial changes that signal it may be time for an update, such as salary increases, shifting goals, or large upcoming expenses. Regina and Jason also emphasize the value of using the prior year's full spending data to gain clarity and make smarter decisions early in the year. The episode wraps with practical guidance on choosing the right level of planning support and setting yourself up for success early in the New Year — whether you're starting from scratch or fine-tuning an existing plan.

Takeaways

January is a great time to start or revisit a financial plan, but plan refreshes don't have to happen in January to be effective.
A full financial plan refresh is most valuable after critical life or financial changes, like major income increases or drastically new goals.
Reviewing a full year of spending data can reveal clear opportunities to adjust cash flow and savings.
Not every change requires a full refresh. Targeted check-ins for cash flow, taxes, or investments can be just as impactful.
Thoughtful, ongoing planning helps align today's decisions with the future you're working toward.

Have a tax question for the show?

Disclosures

Happy Holidays! Looking Back, Looking Ahead

Thu, 25 Dec 2025 04:00:00 -0600

In this special holiday episode of Money and Taxes from BB to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, reflect on a year of growth — both for the podcast and for clients at FPFoCo — while helping listeners prepare for what’s ahead in 2026. They share key milestones from the past year, including client successes, expanded planning services, in-house tax preparation, team education achievements, and charitable giving in Northern Colorado. The conversation then turns toward breaking down important 2026 tax and financial planning updates, such as higher contribution limits for IRAs, 401(k)s, and HSAs, updated Roth IRA income phaseouts, and increased standard deductions. Jason and Regina wrap up with practical guidance on reflecting on financial wins, planning ahead for next year, and revisiting popular past episodes to strengthen your financial strategy. It’s a thoughtful mix of gratitude, perspective, and actionable planning guidance to close out the year and head confidently into the next one.

Takeaways

Take time to reflect on your financial wins from the past year and identify opportunities to improve in the year ahead.
Review updated 2026 contribution limits for IRAs, 401(k)s, and HSAs so you can plan to maximize savings early in the new year.
Higher standard deductions and Roth income limits may create new planning opportunities in 2026.
Ongoing education, efficient planning, and coordinated tax preparation can make a meaningful difference in financial outcomes.
Revisiting foundational financial topics now can help you start the new year with clarity and confidence.

Have a tax question for the show?

Disclosures

To Do or Not To Do a Roth Conversion?

Thu, 11 Dec 2025 04:00:00 -0600

It’s getting close to year-end, and Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, are here to explain what Roth IRA conversions are, why they can be a powerful long-term tax-planning tool, and when they make the most sense. They’ll walk through situations where converting traditional IRA funds to a Roth IRA can reduce lifetime taxes — especially when current tax rates are low or future required minimum distributions (RMDs) might push someone into higher brackets. They also outline the practical steps for completing a conversion, emphasize the importance of having cash available to pay the tax bill, and highlight red flags that may mean a conversion isn't appropriate.

Takeaways

A Roth conversion is essentially a bet that your tax rate today is lower than it will be in the future.
Early conversions may help reduce future RMD-related taxes and create more tax-free growth over time.
It’s a best practice to have cash available to pay the taxes on a conversion, ideally without withholding from the converted amount.
Conversions work best when you don't need the money for at least five years and expect long-term benefits.
Red flags include a lack of cash for paying the taxes on a conversion, no reason to expect higher future tax rates, or needing the funds soon.

Have a tax question for the show?

Disclosures

Prepare to Prepare: 2025 Year-End Tax Planning

Thu, 27 Nov 2025 04:00:00 -0600

Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, break down the most important year-end tax planning strategies for 2025. We'll explain gift tax limits, upcoming 401(k) catch-up contribution changes, and how the expanded SALT deduction cap could help more taxpayers benefit from itemizing instead of taking the standard deduction. We'll also cover smart opportunities for Roth conversions, tax-loss harvesting, and tax-gain harvesting before December 31, helping listeners minimize taxes now and optimize for the potential to build long-term tax-free growth. Whether you're preparing for retirement, maximizing your deductions, or looking for last-minute tax savings, this episode offers actionable guidance to make the most of the 2025 tax year.

Takeaways

2025 gift tax limits: $19,000 annual exclusion and nearly $14 million lifetime exemption.
2025 is the last year high-earners ($145,000+) age 50+ can make pre-tax 401(k) catch-ups before they become Roth-only in 2026.
Higher SALT deduction caps in 2025 mean more people may itemize and stack deductions, like charity or property taxes.
Year-end planning opportunities include Roth conversions, tax-loss and -gain harvesting, as well as timing income or gifts across the December–January tax-year flip.
RMDs for personal and inherited IRAs are due December 31.

Have a tax question for the show?

Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.

Disclosures

‘Tis the Season for Tax-Smart Charitable Giving!

Thu, 13 Nov 2025 04:00:00 -0600

'Tis the season for tax planning — and considering charitable giving! In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, dive into how charitable contributions could impact your taxes in a positive way. As year-end approaches, they explain who might benefit from giving before December 31, how deductions work with the 2025 standard deduction, and what’s changing in 2026. From donor-advised funds to donating appreciated stocks instead of cash, the duo breaks down smart ways to give — without missing out on valuable tax savings.

You’ll learn

Whether charitable giving might make sense for your tax situation
The difference between gifting cash versus appreciated assets
How donor-advised funds work when you want to give ... but aren’t sure where you want to give to yet
Tax law changes beginning 2026, like the new above-the-line deduction and AGI floor
Ideas for maximizing deductions in a high-income year

Takeaways

If you expect a high-income year in 2025, consider bunching charitable donations before the AGI floor arrives in 2026.
A donor-advised fund lets you claim your deduction now — and select the charitable recipient later.
Donating appreciated stock can help you avoid capital gains while still supporting causes you care about.

Bonus!

Here’s Jason’s favorite green bean casserole recipe! And don't forget about the IRS Tax Exempt Organization Search tool for verifying that your donations are tax-deductible.

Have a charitable giving or tax question for the show?

Email podcast@fpfoco.com and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscriptions required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.

Disclosures

Life Insurance!

Thu, 30 Oct 2025 04:00:00 -0600

Why would Regi need life insurance? Jason Speciner, CFP®, EA, passes the pop quiz at the beginning of this episode. Then he and Regina Neenan, CFP®, ABFP®, talk about why some people generally need life insurance — and why others don’t. Listen in to better understand whether you might want to purchase a policy — or not — and how it could benefit those you leave behind.

Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice.

What the Health [Insurance!]?

Thu, 16 Oct 2025 04:00:00 -0600

It’s time to get your health insurance in order! Open enrollment is right around the corner for many, whether you get your coverage through your employee benefits or a health care exchange. Are you confused about health insurance jargon and how it relates to the plan you choose? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to help. Listen in as they explain premiums, deductibles, coinsurance and copays, maximum out of pocket, and more — all in time for you to review what’s available to you.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

What's an Estate Plan?

Thu, 02 Oct 2025 04:00:00 -0600

You’ve probably heard of a will. But what makes up a full estate plan? Regina Neenan, CFP®, and Jason Speciner, CFP®, EA, review the high points of creating a real estate plan. From beneficiary designations to using technology tools to build a basic estate plan or working through everything with an estate attorney, they’ll discuss why it’s important and what goes into it from a financial perspective.

This discussion about estate planning does not constitute legal advice.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Social Security: What's In It for Me?

Thu, 18 Sep 2025 04:00:00 -0600

When is the most optimal age to begin Social Security, how much can you expect, and how much of your expenses will it cover? Regina Neenan, CFP®, and Jason Speciner, CFP®, EA, discuss how to time when to begin your benefit, ideas for individuals and couples, and more. Plus, Jason shares his opinion on whether Social Security will even be around in the future (hint: they both strongly believe that it will!).

Plus, if you listened to the end, this one’s for you! https://forms.gle/VKt1UkxnGxTojacr5

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Show Me the (Monarch) Money!

Thu, 04 Sep 2025 04:00:00 -0600

If Regina Neenan, CFP®, uses Monarch and Jason Speciner, CFP®, EA, uses YNAB, why do the majority of FPFoCo’s cash-flow tracking clients use Monarch? Learn the answer — and get a step-by-step walk-through of how Regi sets Monarch up on behalf of FPFoCo clients. Plus, make an easy-to-use tool even simpler as you follow along to set up your Monarch account, too!

Looking for that Monarch Money discount code? It’s right here!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Becoming a Cash-Flow Pro

Thu, 21 Aug 2025 04:00:00 -0600

How well do you know your own cash flow — and how much does Jason really know about Regi’s? In this episode, Regina Neenan, CFP®, shares their biggest spending categories. Then Jason Speciner, CFP®, EA, chats with them about how to appropriately track expenses as a cornerstone of an accurate and effective financial plan.

Looking for that Monarch Money discount code? It’s right here!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Navigating Potential Downsides of OBBBA Tax Cuts

Thu, 07 Aug 2025 04:00:00 -0600

We’re back with more One Big Beautiful Bill Act updates. With tax cuts come some potential pitfalls that could affect you, from reduced federal health care spending to limited tax deductions, eliminated credits, and more. Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to highlight some so you know what to watch out for — and what you might want to be ready for come tax time.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

One Big Beautiful Bill Act: Tax Planning Under the O-Tripple-B

Thu, 24 Jul 2025 04:00:00 -0600

Riley’s back, and he’s here to chat about the tax implications of the One Big Beautiful Bill Act! On this episode, Riley Thoubboron, CFP®, joins colleagues Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, to review the tax-specific changes that the O-tripple-B brings — and what they could mean for you.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

A Passiv-ated Take on Investment Planning

Thu, 10 Jul 2025 04:00:00 -0600

It’s investment planning month for Jason Speciner, CFP®, EA, here at FPFoCo! In this episode, Regina Neenan, CFP®, chats with him about active and passive investment management and gets his take on choosing a more passive style for our clients. Plus, hear about target-date funds, rebalancing, the importance of your risk assessment, and more!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Soon-to-Be Retiree? How to Get Ready

Thu, 26 Jun 2025 04:00:00 -0600

Financial planning doesn’t end when you stop working! If you’re preparing for retirement, recently retired, or hitting a milestone — like three, five, or 10 years in — it’s probably a good time for a check-up. Where's your money coming from? Where's it going? And what are you doing when you’re no longer working? Wherever you're at in the retirement process, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have some ideas you can use to do it the right way.

Plus, here’s the elder millennial meme that Jason mentioned and the Spotify link to the Die With Zero audiobook!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Introducing Christin Hutchcraft, FPQP®!

Thu, 12 Jun 2025 04:00:00 -0600

Introducing the newest member of our team to earn a professional designation! On this episode, Christin Hutchcraft, FPQP®, joins Regina Neenan, CFP®, and Jason Speciner, CFP®, EA, to share her experience in completing the Financial Paraplanner Qualified Professional™ course and earning the credential. From the rigorous education program to how what she’s learned translates to her work in operations here at FPFoCo, listen in to hear all about Christin’s latest achievement!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Make Your Windfall a Win!

Thu, 29 May 2025 04:00:00 -0600

What would you do with a windfall? Jason Speciner, CFP®, EA, definitely knows what he would do! Listen in as he and Regina Neenan, CFP®, chat about different types of windfalls. They’ll discuss what you can do if one lands in your lap and how a financial plan could ground you emotionally as you make big decisions and navigate opportunities.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Activate Your EFOF!

Thu, 15 May 2025 04:00:00 -0600

Put your savings to work for you! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share why it’s important to have an emergency and future opportunities fund (EFOF) — and why your money should be productive. Plus, if you’re looking for a high-yield savings account where you can keep your EFOF safe and earning interest, check out a few resources below!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

We Love HSAs!

Thu, 01 May 2025 04:00:00 -0600

We love HSAs! Learn why Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are big fans of health savings accounts, how they differ from flexible spending accounts, and how you can make the most of your HSA. Plus, check out our blog on how to build your savings hierarchy based on your specific financial situation to learn where your HSA fits in!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Every Season Is Tax Planning Season!

Thu, 17 Apr 2025 04:00:00 -0600

The end of tax season is the perfect time to do some tax planning! Join Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, as they talk about using your refund or balance due to inform the current tax year, reviewing and updating your W-4, avoiding penalties by making quarterly estimated tax payments, and so much more. Beginning just after tax season and putting the finishing touches on at year-end with check-ins in between could positively impact your life and finances for years to come.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Get Shred-y: Safely Dispose of Your Old Paperwork!

Thu, 03 Apr 2025 04:00:00 -0600

Are you holding onto old paperwork that shows your personal information? From junk mail to outdated insurance cards and old tax returns, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, let you know why it’s important to shred old and unnecessary documents. Learn what to keep, how to store it, and why to shred what you don't need to protect your identity. Plus, schedule your spot to stop by the FPFoCo office during our Shred-A-Thon — and grab some free FPFoCo SWAG while you’re there!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Strengthen Your Budget: Get Flexible!

Thu, 20 Mar 2025 04:00:00 -0600

Tariffs and tariff threats and retaliatory tariffs oh my! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share how you can adjust your budget for regular inflation, tariffs, and anything else that might come your way throughout the rest of this year and beyond. Hear how you can divide your budget into fixed, non-monthly, and flexible portions to help you focus on what you can control.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Sticking to the Plan

Thu, 06 Mar 2025 04:00:00 -0600

Market volatility or economic concerns getting to you? Stick to the plan! Jason Speciner, CFP®, EA, talks with Regina Neenan, CFP®, about how he builds investment portfolios that are designed to include and manage downside risk. Learn what that means and when you should actually make a meaningful change to your portfolio — and your plan — in uncertain times.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Change of Plan!

Thu, 06 Feb 2025 04:00:00 -0600

Ready to refresh your financial plan? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share instances when it makes sense to do just that. From starting your independent financial life to marriage, a new job, relocation, having children, retirement, and so many more critical life moments, they discuss the perfect opportunities for your financial plan build or refresh.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Savings and De-Paws-It 🐾

Thu, 23 Jan 2025 04:00:00 -0600

Christin Hutchcraft has a new furry family member! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, hear Christin's story of teaching her son financial responsibility as he planned and worked hard to save for a dog. You’ll hear about the tasks he completed to earn money, how he thought outside the box as he prepared to adopt, and the responsibilities he’s now taking on to care for his sweet and cuddly pup, Creek! Plus, check out a photo of the whole Hutchcraft family in Christin’s blog, From Pennies to Paws: Teaching My 7-Year-Old Financial Literacy.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Are 'Windfalls' Ahead for Government Retirees?

Thu, 09 Jan 2025 04:00:00 -0600

With President Biden having eliminated the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) via the Social Security Fairness Act, some government retirees will soon receive higher Social Security benefits. On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, will discuss what this means for government retirees affected by the WEP and GPO, the Social Security Administration’s trust funds, and your own Social Security benefit — even if you work in the private sector.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

It's Been a Year!

Thu, 26 Dec 2024 04:00:00 -0600

The New Year is almost here! On today’s episode, we’re all in! Join the full team as Jason Speciner, CFP®, EA, Regina Neenan, CFP®, Riley Thoubboron, CFP®, and Christin Hutchcraft chat FPFoCo’s year in review. We’ll celebrate our clients’ and our firm’s successes in numbers from our implementation credit to continuing education hours and SEC registration to our new website.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Making Moves

Thu, 12 Dec 2024 04:00:00 -0600

Ready to make a move? A relocation, that is! On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have a special guest: Their FPFoCo colleague, Riley Thoubboron, CFP®! Riley just moved over 1,000 miles from Boulder, CO, to Bend, OR, and he’s here to tell us all about it, from financial to tax and personal aspects of the decision and the move itself.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

ThanksGIVING!

Thu, 28 Nov 2024 04:00:00 -0600

Happy Thanksgiving! On this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are celebrating gratitude and giving — of the charitable type, that is! We’ll explore local shopping, charitable donations, and the tax deductions associated with some types of giving. Plus, check out Jason’s favorite green bean casserole or the vegan version Regi makes each year!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

What's In a (Legal) Name?

Thu, 14 Nov 2024 04:00:00 -0600

Do you know what your legal name is? Are you sure — and have you been using it properly? In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, will tell you where you can find it — and how you can properly update yours if you’ve used a variation of your legal name for anything official along the way. Plus, we’ll touch on the variety of reasons why people change their names and even share our nicknames with you!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Halloween Savings Hacks 👻

Thu, 31 Oct 2024 04:00:00 -0600

Happy Halloween! In honor of the holiday, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are sharing some of their holiday savings hacks. While their spending recently focused on spooky-themed items, you can use these tricks to treat yourself year-round. Listen in for easy ways to save from simple coupons to rewards that may be hidden in your health insurance app and extra discounts, too!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

When “Free” Financial Planning Isn't Exactly Free

Thu, 17 Oct 2024 04:00:00 -0600

Free financial planning sounds great! But what if it’s not actually free? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, chat about some potential downsides of free financial advice in this episode. Learn what they are and how you can find the true cost of a “free" financial plan.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

NSO, ISO, RSA, RSU, and ESPP: All About Equity Compensation

Sat, 05 Oct 2024 04:00:00 -0600

Got equity compensation? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, give a (very) brief overview of the different types and how they’re taxed. From ESPPs to ISOs, RSUs, and NSOs, this explainer will help you better understand your own equity comp.

Want to learn more? Check out our companion blog, NSO, ISO, RSU, ESPP, and ESOP: Making Sense of Equity Compensation Alphabet Soup. It includes links to individual articles that take an even deeper dive into each type of equity comp.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Navigating the Financial Impacts of Losing a Loved One

Thu, 19 Sep 2024 04:00:00 -0600

What are the financial impacts of losing a loved one — and how should you navigate them as you mourn their loss? On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, explore how loss affects individuals financially. They also review actionable ways in which you can accept your own mortality and prepare so you can reduce strain on the people you care about at your death, from naming beneficiaries on your first accounts to creating a robust estate plan and everything in between.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Check Out FPFoCo's New Website!

Thu, 05 Sep 2024 04:00:00 -0600

Check out our new website at fpfoco.com! There, you’ll find the new home of Money & Taxes from Bb to XYZ — and a whole lot more!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Data Breaches & Personal Data Protection

Thu, 22 Aug 2024 04:00:00 -0600

In a world where hacks and data breaches seem constant, what can you do to protect yourself? With so much of your personal data tied to your financial life, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, review data security best practices — and what you can do to protect your credit and finances if you’ve been a victim of fraud.

Plus, check out this resource from the Federal Trade Commission on Credit Freezes and Fraud Alerts.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Colorado Wildfires: Homeowners Insurance & Planning

Thu, 08 Aug 2024 04:00:00 -0600

As wildfires again burn where FPFoCo is based in Larimer County, Colorado, across the country, and beyond, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are reminded that preparedness is key. They’ll break down homeowners insurance considerations and policy areas to review for those in each generation, from baby boomers to generations X, Y, and Z.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Intentionality: Plan to Spend!

Thu, 25 Jul 2024 04:00:00 -0600

What does it mean to be intentional when it comes to saving and spending? Let Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share their perspectives. From saving enough while enjoying your life, it’s all about balance.

Plus, you can check out Jason’s blog, Confessions of a Dance Dad: Financial Planning Edition here!

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

Work It — or Not!

Thu, 11 Jul 2024 04:00:00 -0600

Relationships with work are changing. In this episode of Money & Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, discuss our evolving relationships with work and how members of each generation — from Baby boomers to X, Y, and Z — can intentionally enhance their work-life balance.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor.

How Being Childfree Impacts Your Life and Finances with Dr. Jay of Childfree Wealth®

Thu, 27 Jun 2024 04:00:00 -0600

Did you know that 25% of adults identify as being Childfree? Listen in as our first-ever special guest, Dr. Jay Zigmont, CFP®, Childfree Wealth Specialist®, founder and CEO of Childfree Wealth®, and host of the Childfree Wealth® podcast chats with Jason Speciner, CFP®, EA, and Regina Neenan, CFP®. They’ll discuss what being Childfree is, how it’s different from simply being a SINK or DINK, and how it impacts financial planning for those across generations from baby boomers to those in generations X, Y, and Z!

Plus, check out these resources from Dr. Jay:

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Insuring Your Income

Thu, 13 Jun 2024 04:00:00 -0600

Disability insurance is part of many employee benefit plans. But what do you do if you’re self-employed, if it’s not available to you through your employer, or if it doesn’t provide enough coverage? Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, break down ways for you to insure your income and why it’s important.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

FPFoCo Party Minisode! 🥳

Wed, 05 Jun 2024 18:30:00 -0600

This is not your typical episode of Money & Taxes from Bb to XYZ. It's an itty bitty minisode with a special invitation inside that's just for you. We invite you to give it a listen — and then email us at podcast@fpfoco.com. You probably know that Jason Speciner, CFP®, EA, always closes our episodes with, "We'll talk to you soon!" Join him and Regina Neenan, CFP®, at our special event, and we'll see you soon, too!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Underestimating Your Overspending — And the Fix

Thu, 30 May 2024 04:00:00 -0600

Ever found yourself doing some fairly significant overspending but not really understanding its impact? Regina Neenan, CFP®, certainly has. Listen in as they and Jason Speciner, CFP®, EA, discuss the differences between having an ideal cash-flow plan on paper — and putting an actionable cash-flow plan in place. Plus, find out how you can recover from excess spending and ways you can prepare to combat it in the future.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Critical Money Moments & Financial Resets

Thu, 16 May 2024 04:00:00 -0600

What should you do when you need a financial reset in life? Whether the result of divorce or death of a spouse, job loss or landing your dream job, or just getting out on your own for the first time, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have some ideas for how you can navigate a critical money moment.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

How Come "It's Gotta Be a CFP®"?

Thu, 02 May 2024 04:00:00 -0600

Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share their thoughts on the CFP® Board's recent advertising campaign, "It's gotta be a CFP®." Learn how they became CFP® professionals, some history behind the designation, and why choosing a CFP® pro is just the beginning.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Dirty Dozen: 2024 Updates!

Thu, 18 Apr 2024 04:00:00 -0600

We’re back with an update on the IRS’s 2024 Dirty Dozen, the dirtiest tax scams and schemes of this tax season! Join Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, as they break down the half dozen ruses not covered in episode 26, Dirty Dozen: Tax Scams and Schemes! Plus, check out the FPFoCo blog on the 2024 Dirty Dozen!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

I Forgot! Add This to Your Financial Plan

Thu, 04 Apr 2024 04:00:00 -0600

Have you forgotten to add something to your financial plan? From left-out EFOFs to missed cars and forgotten “now” goals, we’ve seen it all. In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share some of the common items that clients have unintentionally left out from — and then added to — their financial plans.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

$#!+ Happens!

Thu, 21 Mar 2024 04:00:00 -0600

Stuff happens! What could you do if you were to face an unexpected expense? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share how they’ve handled their own surprise costs and the emotional toll they can bring. From a down market just after retirement or a pricier college education than planned to a vehicle breakdown or job loss, they’ll share how you can prepare for almost anything that might come your way — no matter your generation.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

The Dirty Dozen: 12 Tax Scams and Schemes to Avoid

Thu, 07 Mar 2024 04:00:00 -0600

Heard of a tax filing technique that sounds too good to be true? It just might be! In this episode of Money & Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, go over the Internal Revenue Service’s list of the top 2023 tax scams and schemes so you can watch out for them this tax season. From email and text schemes to social media scams and unscrupulous tax preparers, we’ll share red flags to avoid so you don’t fall victim to the dirty dozen!

IRS Tax-Exempt Organization Search

2023 Dirty Dozen

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Inflation!

Thu, 22 Feb 2024 04:00:00 -0600

Have you been feeling the inflation lately? After increasing early in the pandemic and reaching a peak in June 2022, inflation steadily declined through June of 2023 — and has more or less leveled out since then. When January’s inflation numbers were released last week, they showed a rate higher than expected. As we continue to deal with it, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to talk about increasing costs. Hear why inflation is a regular part of a growing economy — and how you can work around its biggest impacts no matter your generation.

Differences between the Consumer Price Index and the Personal Consumption Expenditures Price Index

CPI Inflation Calculator

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Relation$hips: Talking to Your Significant Other About Money

Thu, 08 Feb 2024 04:00:00 -0600

Money and … romance? That’s right! It’s almost Valentine’s Day, so get ready to talk to your significant other about money — no matter which generation you and your love are part of. In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share how they communicate with their partners about financial topics and share some ideas so you and your sweetie can get on the same page. Plus, you can download our Let’s Get Fiscal Worksheet (https://fpfo.co/3jWP9FN) to guide the next money conversation between you and your other half!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Household Finances: Making a House a Home 🏡

Thu, 25 Jan 2024 04:00:00 -0600

What does it take to make a house a home? There’s a lot more to it than renting or buying! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, will share ideas on how you might make that decision — and a whole lot more! From timing your mortgage payoff to downsizing and having roommates or living solo, you’ll learn what you may want to consider for your own home.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Goals!

Thu, 11 Jan 2024 04:00:00 -0600

What are your goals for 2024? From filling up your EFOF and contributing to your retirement savings to having some fun, let’s get planning! In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share their own goals for the new year, discuss how they can apply throughout the generations, and share takeaways that you can use as you identify your own aspirations.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

2024 In Numbers: Savings, Taxes, Retirement, & MORE!

Thu, 28 Dec 2023 04:00:00 -0600

The new year is almost here, and that means it’s time for some updates! To what? Standard deductions, phaseout ranges for retirement savings, retirement plan contribution limits, and so much more! Join Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, and get ready for 2024!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

New Year, New Cash-Flow Plan

Thu, 14 Dec 2023 04:00:00 -0600

Get ready for 2024 income, saving, and spending with a new cash-flow plan for the new year! In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, talk you through what you should be considering in your annual budget. Plus, you can get started with Regina’s cash-flow planning worksheet here. Listen in and get planning today!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Holiday Gifts & Giving: Taxes Edition!

Thu, 30 Nov 2023 04:00:00 -0600

It’s officially the holiday season, and you know what that means: It’s time for giving! If you’re including monetary gifts to people or charitable giving in your holiday or end-of-year plans, listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share the rules and potential tax benefits. From QCDs, DAFs, and CRTs to cash gifts to people and charities — and the possible tax advantages involved — it’s all in this week’s episode!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

ROTH!

Thu, 16 Nov 2023 04:00:00 -0600

Making your first Roth IRA contribution? How about contributing to your Roth IRA through the backdoor? Or the behemoth mega-backdoor Roth? And don’t forget about Roth conversions! However you contribute or convert, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have ideas to share! No matter which generation you’re part of or how you’re Roth-ing (yes, we made it a verb), listen in to learn what Roth could do for you.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Year-End Financial & Tax Planning

Thu, 02 Nov 2023 04:00:00 -0600

It might be early November, but the end of the year will be here before we know it! Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share what you can do to prepare and finish out the year strong. From open enrollment and insurance planning to budgeting, finishing your 2023 contributions, Roth conversions, tax planning, and more it’s all here!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Eek! Spooky Finance & Tax Horror Stories 🎃

Thu, 19 Oct 2023 04:00:00 -0600

The spooky season has begun! In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, tell some horrific finance and tax stories. So gather around the fire, and get ready for a fright!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

[Tax] Extension! [Tax] Extension! Hear All About It!

Thu, 05 Oct 2023 04:00:00 -0600

Ever wondered why someone would file a tax extension instead of filing their taxes by the deadline in April? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to explain! In this episode, we review why members of each generation might want to do just that along with the benefits of having six extra months to prepare and file their taxes. Plus, we’ll tell you what an extension doesn’t do as you prepare to file your 2022 taxes by Oct. 16, 2023, if you're on extension or as you get ready for tax time next year.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Work Perks!

Thu, 21 Sep 2023 04:00:00 -0600

Open enrollment season is nearly here! Join Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, as they walk you through the trifecta of key employee benefits that everyone should have and share how you can choose the coverages that are right for you. If employee benefits are available for you, you won’t want to miss this episode!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Fitness & Finance

Thu, 07 Sep 2023 04:00:00 -0600

Where do fitness and finance intersect? From expensive sports and health savings accounts to pre-Medicare financial independence and more, you just might be surprised! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share a bit about their stories and why it’s important to get started or continue on a health and fitness journey.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Money & Tipping: How Much Do You Tip ... and How Much Should You Tip?

Thu, 24 Aug 2023 04:00:00 -0600

Tipping is ubiquitous in American culture, and it certainly impacts our finances. In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, talk tipping, taxes, and your takeaway tactics. We’ll discuss everything from baby boomers who maybe didn’t price today’s tipping trends into their retirement cash-flow plans to which generation might be the worst tippers and more. Plus, stick around for the end of the episode when Regina shares their own personal tipping guide!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Links:

https://www.bankrate.com/personal-finance/tipping-survey/

https://www.cnbc.com/2023/07/05/tipping-culture-is-out-of-control-even-some-businesses-agree.html

https://time.com/5404475/history-tipping-american-restaurants-civil-war/

https://www.npr.org/2021/03/22/980047710/the-land-of-the-fee

https://www.businessinsider.com/gen-z-the-worst-tippers-bankrate-survey-2023-6

Let That SINK In!

Thu, 10 Aug 2023 04:00:00 -0600

Have income and no kids? You might be a SINK or DINK! In this episode, Jason Speciner, CFP®, EA, and FPFoCo’s resident DINKWAC Regina Neenan, CFP®, talk money and taxes for our single income no kids and dual income no kids listeners. From what makes the childfree lifestyle unique financially for SINKs and DINKs to the cost of raising kids and more, let this one SINK in!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Money In the Bank (EFOF!)

Thu, 27 Jul 2023 04:00:00 -0600

Having savings in the bank that’s easy to access in a pinch is great … if you’rei intentional about it! But what should you do when it builds up and you don’t know what to do with that pile of cash? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have some ideas to share! Plus, you’ll learn what an EFOF is — and how you can use this element of your financial foundation appropriately.

Episode resources:

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Our BIGGEST Money Regrets

Thu, 13 Jul 2023 04:00:00 -0600

Money regrets: If you have one, you’re not alone. In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share the money mistakes that they’ve seen others make so that you can avoid them. Plus, they’ll share their own biggest money regrets.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Windfall!

Thu, 29 Jun 2023 04:00:00 -0600

Windfalls come in many forms from settlements to gifts, inheritances, life insurance proceeds — and even gambling winnings. Others can include big raises, equity compensation events, or property sales. Whatever your windfall, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, specialize in these critical money moments and are here to talk you through how you might want to navigate yours. From the first steps to consider taking to how this could impact you based on the generation you fall into, find out what you can do when a pile of money lands in your lap.

Learn more about Financial Planning Fort Collins at pfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Get a Life [Insurance]!

Thu, 15 Jun 2023 04:00:00 -0600

On this edition of Money & Taxes from Bb to XYZ, we flip the script! Jason Speciner, CFP®, EA, hosts while Regina Neenan, CFP®, is in the hot seat, answering questions related to one of their specialties: Insurance planning! Beyond what life insurance is, you’ll learn what life insurance is really for as well as why some people should obtain a policy ... and when paying for life insurance might not be ideal.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Always Be Planning Your Taxes!

Thu, 01 Jun 2023 04:00:00 -0600

Tax season might just have ended for most of us, but is it too early to start planning your 2023 taxes? Of course not! Hear from Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, as Jason explains what he noticed most when preparing 2022 taxes — and what you can do now to avoid surprises for the 2023 tax season. Plus, learn why it’s a good idea to always be planning your taxes!

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Travel!

Thu, 18 May 2023 04:00:00 -0600

It’s almost summer, and that means vacation season is nearly here! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, chat about the financial aspects of one of their favorite topics: Travel! Hear some of our favorite tips and tricks as we share some of our own travel experiences with you.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

The Spectrum of Risk (It's EVERYWHERE!)

Thu, 04 May 2023 04:00:00 -0600

From keeping money under the mattress to investing in the market and gambling in Vegas, a very broad spectrum of risk exists — and it’s everywhere! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, explore what it means and how it applies across generations so you can better understand your own relationship with risk.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Earnings: What You Make — or What You Keep?

Thu, 20 Apr 2023 04:00:00 -0600

A penny saved is a penny earned — but you probably had to earn that penny to save it in the first place! So what matters more: What you make or what you keep? (Hint: It’s what you keep!) Learn why in this episode as Jason Speciner, CFP®, EA, and Regina Neenan, CFP® explore earnings and the importance of saving. You’ll learn tax-savvy ways in which each generation can save and how to put what you keep in international places.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

How to Set — or Reset — Your Retirement Date

Thu, 06 Apr 2023 04:00:00 -0600

Whether you’re working toward financial independence or retirement, what’s its start date? If you’re setting — or resetting — yours, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, will talk you through how to choose your when.

We’ll explain why you should set a retirement date if being work-free or work-optional someday is a goal of yours. We’ll also share why it’s ok to put off financial independence or reset your retirement date at any time. And we’ll tell you why you should work with a pro to make it happen the right way.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Tax Season: How to Prepare

Thu, 23 Mar 2023 04:00:00 -0600

Tax season is upon us! Whether you’re preparing to prepare yours for tax year 2022 or setting yourself up for success in 2023, we’ve got you covered. Jason Speciner, CFP®, EA (short for Enrolled Agent), and Regina Neenan, CFP®, will be your guides. Here’s some of what you’ll hear in this episode …

Why some Baby boomers might not have to prepare and file their taxes this year
Tax planning strategies some high-earning Gen X-ers can use to save on taxes in 2022 and 2023
How some self-employed Millennials can stash extra tax-advantaged cash in their retirement plans
Whether to do your taxes yourself, especially if you’re a Gen-Z-er filing your own taxes for the first time

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!

Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor.

Introducing Money & Taxes from Bb to XYZ!

Thu, 16 Mar 2023 04:00:00 -0600

Introducing Money & Taxes from Bb to XYZ, the personal finance podcast for baby boomers as well as those in generations X, Y, and Z. Hosts Jason Speciner, CERTIFIED FINANCIAL PLANNER™ and Enrolled Agent, and Regina Neenan, CERTIFIED FINANCIAL PLANNER™, will break down a single money topic in each episode — and leave you with actionable tips at the end.

Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed!