Baltimore Washington Financial Advisors Podcasts

<p><img fetchpriority="high" decoding="async" class="aligncenter wp-image-9564 size-full" src="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header.jpg" alt="" width="1920" height="1080" srcset="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header.jpg 1920w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-300x169.jpg 300w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-1024x576.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-768x432.jpg 768w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-1536x864.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /></p> <p style="text-align: center;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">SOCIAL SECURITY TAXES AND DIVORCE: KEY DETAILS TO CONSIDER<br /> FROM BALTIMORE-WASHINGTON FINANCIAL ADVISORS</span></strong></span></p> <p style="text-align: center;"><strong><a style="background-color: #ce181e; color: #ffffff; font-weight: bold; text-decoration: none; padding: 14px 28px; display: inline-block; border-radius: 30px;" href="https://youtu.be/A9sUMZGU7II" target="_blank" rel="noopener">WATCH ON YOUTUBE</a></strong></p> <table style="border-collapse: collapse; width: 100%; height: 295px;"> <tbody> <tr style="height: 295px;"> <td style="width: 34.4073%; height: 295px;"> <p style="text-align: center;"><strong>Thad Ismart, CFP®, ChFEBC, CEPS</strong><br /> Senior Financial Planner, BWFA</p> <p><img decoding="async" class="aligncenter wp-image-10609" src="https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast.jpg" alt="" width="200" height="200" srcset="https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast.jpg 2000w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-300x300.jpg 300w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-1024x1024.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-150x150.jpg 150w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-768x768.jpg 768w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-1536x1536.jpg 1536w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-600x600.jpg 600w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-160x160.jpg 160w" sizes="(max-width: 200px) 100vw, 200px" /></td> <td style="width: 32.9824%; height: 295px;"> <p style="text-align: center;"><strong>Tessa Hall</strong><br /> Media and Communications<br /> Specialist</p> <p><img decoding="async" class="wp-image-18568 aligncenter" src="https://www.bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png" alt="" width="200" height="200" srcset="https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png 300w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1024x1024.png 1024w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-150x150.png 150w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-768x768.png 768w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1536x1536.png 1536w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-600x600.png 600w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-160x160.png 160w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-400x400.png 400w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large.png 1875w" sizes="(max-width: 200px) 100vw, 200px" /></td> </tr> </tbody> </table> <p style="color: #ce181e; text-align: left;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">About This Episode</span></strong></span></p> <p data-start="259" data-end="519">Tessa speaks with BWFA’s Thad about Social Security planning and how divorce, survivor benefits, and taxes can impact your retirement income. They explain how benefits work for divorced individuals, including eligibility requirements and timing considerations.</p> <p data-start="521" data-end="928">The conversation also explores how survivor benefits differ from spousal benefits and what individuals should consider when deciding when to start benefits. In addition, they explain how Social Security is taxed and show why a full view of your financial picture matters. To better understand how Social Security planning fits into your broader retirement strategy, visit our <a style="background-color: #ffffff;" href="https://bwfa.com/retirement-services/">Financial Planning</a> page.</p> <details class="bwfa-collapsible"> <summary><strong>Read Full Description</strong></summary> <p>Social Security planning involves more than deciding when to start benefits. It also requires understanding how divorce and taxes impact your retirement income.</p> <p>In this episode of Healthy, Wealthy &#38; Wise, Tessa speaks with BWFA’s Thad about Social Security planning and how life events affect your benefits. Many individuals assume that divorce eliminates eligibility. However, that is not always the case.</p> <p>Individuals who were married for at least ten years may still qualify for spousal benefits based on an ex-spouse’s earnings record. Timing also plays an important role. The age at which you start benefits can directly affect how much you receive.</p> <p>The discussion also explains how survivor benefits work. These benefits follow different rules and can provide additional flexibility. Understanding these differences helps individuals make more informed decisions.</p> <p>Taxes are another key part of Social Security planning. Many people do not expect to pay taxes on their benefits. However, the IRS can tax up to eighty-five percent of your Social Security income.</p> <p>Your total income determines how much tax you pay. This includes income from retirement accounts, investments, and other sources.</p> <p>Because of this, it is important to consider how Social Security fits alongside other income sources. A coordinated approach can help manage taxes and support long-term financial goals.</p> <p>Ultimately, Social Security planning requires a full view of your financial situation. By understanding how benefits work and how taxes apply, you can make more informed decisions that align with your overall retirement plan.</p> </details>

<p><img fetchpriority="high" decoding="async" class="aligncenter wp-image-9564 size-full" src="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header.jpg" alt="" width="1920" height="1080" srcset="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header.jpg 1920w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-300x169.jpg 300w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-1024x576.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-768x432.jpg 768w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-1536x864.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /></p> <p style="text-align: center;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">SOCIAL SECURITY PLANNING: WHEN SHOULD YOU START BENEFITS?<br /> FROM BALTIMORE-WASHINGTON FINANCIAL ADVISORS</span></strong></span></p> <p style="text-align: center;"><strong><a style="background-color: #ce181e; color: #ffffff; font-weight: bold; text-decoration: none; padding: 14px 28px; display: inline-block; border-radius: 30px;" href="https://youtu.be/mGn2gjVfaiE" target="_blank" rel="noopener">WATCH ON YOUTUBE</a></strong></p> <table style="border-collapse: collapse; width: 100%; height: 295px;"> <tbody> <tr style="height: 295px;"> <td style="width: 34.4073%; height: 295px;"> <p style="text-align: center;"><strong>Thad Ismart, CFP®, ChFEBC, CEPS</strong><br /> Senior Financial Planner, BWFA</p> <p><img decoding="async" class="aligncenter wp-image-10609" src="https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast.jpg" alt="" width="200" height="200" srcset="https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast.jpg 2000w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-300x300.jpg 300w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-1024x1024.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-150x150.jpg 150w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-768x768.jpg 768w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-1536x1536.jpg 1536w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-600x600.jpg 600w, https://bwfa.com/wp-content/uploads/2021/09/ThadIsmart_Bio_Podcast-160x160.jpg 160w" sizes="(max-width: 200px) 100vw, 200px" /></td> <td style="width: 32.9824%; height: 295px;"> <p style="text-align: center;"><strong>Tessa Hall</strong><br /> Media and Communications<br /> Specialist</p> <p><img decoding="async" class="wp-image-18568 aligncenter" src="https://www.bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png" alt="" width="200" height="200" srcset="https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png 300w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1024x1024.png 1024w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-150x150.png 150w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-768x768.png 768w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1536x1536.png 1536w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-600x600.png 600w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-160x160.png 160w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-400x400.png 400w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large.png 1875w" sizes="(max-width: 200px) 100vw, 200px" /></td> </tr> </tbody> </table> <p style="color: #ce181e; text-align: left;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">About This Episode</span></strong></span></p> <p data-start="268" data-end="522">Tessa speaks with BWFA’s Thad about Social Security planning, how benefits are funded, and what changes may be ahead. They discuss common concerns about whether Social Security will remain available in the future and how the system works today.</p> <p data-start="524" data-end="855">The conversation also explores when to start Social Security benefits, how working can impact those benefits, and why timing decisions should be based on individual financial and personal circumstances. To better understand how Social Security planning fits into your broader retirement strategy, visit our <a style="background-color: #ffffff;" href="https://bwfa.com/retirement-services/">Financial Planning</a> page.</p> <details class="bwfa-collapsible"> <summary><strong>Read Full Description</strong></summary> <p>Social Security planning plays a key role in many retirement strategies. However, uncertainty continues around how the system may change in the future.</p> <p>In this episode of Healthy, Wealthy &#38; Wise, Tessa speaks with BWFA’s Thad about Social Security planning and what individuals should consider when preparing for retirement. Many people question whether Social Security will still exist, but the situation is more nuanced.</p> <p>Payroll taxes and trust fund reserves currently support Social Security benefits. Even if changes occur, benefits are unlikely to disappear entirely. Instead, lawmakers may adjust how the system operates over time.</p> <p>Timing remains one of the most important decisions in Social Security planning. Starting benefits early reduces monthly income, and continuing to work can reduce benefits further, depending on earnings. For this reason, individuals should evaluate their situation carefully before making a decision.</p> <p>Benefit calculations also play an important role. Social Security uses your highest 35 years of earnings and adjusts them for inflation. Because of this, working longer does not always lead to a meaningful increase in benefits.</p> <p>Delaying benefits can increase lifetime income for some individuals. This strategy becomes especially important when considering spousal benefits and long-term financial needs.</p> <p>Ultimately, Social Security planning is not one-size-fits-all. Your financial situation, health, and long-term goals should guide your decision. With the right approach, you can make more informed choices about when to start benefits and how they fit into your overall plan.</p> </details>

<p><img fetchpriority="high" decoding="async" class="aligncenter wp-image-9564 size-full" src="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header.jpg" alt="" width="1920" height="1080" srcset="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header.jpg 1920w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-300x169.jpg 300w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-1024x576.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-768x432.jpg 768w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_FP_Header-1536x864.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /></p> <p style="text-align: center;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">SHOULD YOU PAY CASH WHEN DOWNSIZING YOUR HOME?<br /> FROM BALTIMORE-WASHINGTON FINANCIAL ADVISORS</span></strong></span></p> <p style="text-align: center;"><strong><a style="background-color: #ce181e; color: #ffffff; font-weight: bold; text-decoration: none; padding: 14px 28px; display: inline-block; border-radius: 30px;" href="https://youtu.be/Md9yAJwdZJQ" target="_blank" rel="noopener">WATCH ON YOUTUBE</a></strong></p> <table style="border-collapse: collapse; width: 100%;"> <tbody> <tr> <td style="width: 33.5015%;"> <p style="text-align: center;"><strong>Sandy Hornor &#124; CEPS</strong><br /> Managing Director, Wealth Management &#38; Executive Manager</p> <p><img loading="lazy" decoding="async" class="aligncenter wp-image-9561" src="https://bwfa.com/wp-content/uploads/2021/01/SandyHornor_Bio_Podcast-300x300.jpg" alt="" width="197" height="197" srcset="https://bwfa.com/wp-content/uploads/2021/01/SandyHornor_Bio_Podcast-300x300.jpg 300w, https://bwfa.com/wp-content/uploads/2021/01/SandyHornor_Bio_Podcast-1024x1024.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/01/SandyHornor_Bio_Podcast-150x150.jpg 150w, https://bwfa.com/wp-content/uploads/2021/01/SandyHornor_Bio_Podcast-768x768.jpg 768w, https://bwfa.com/wp-content/uploads/2021/01/SandyHornor_Bio_Podcast-1536x1536.jpg 1536w, https://bwfa.com/wp-content/uploads/2021/01/SandyHornor_Bio_Podcast.jpg 2000w" sizes="(max-width: 197px) 100vw, 197px" /></td> <td style="width: 32.0288%;"> <p style="text-align: center;"><b>Jonathan Wald</b><br /> Vice President, Branch Manager<br /> Main Street Home Loans</p> <p><img loading="lazy" decoding="async" class="aligncenter wp-image-18970" src="https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large.png" alt="" width="197" height="197" srcset="https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large.png 1875w, https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large-300x300.png 300w, https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large-1024x1024.png 1024w, https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large-150x150.png 150w, https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large-768x768.png 768w, https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large-1536x1536.png 1536w, https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large-600x600.png 600w, https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large-160x160.png 160w, https://bwfa.com/wp-content/uploads/2026/04/JonWald_Bio_Podcast_Large-400x400.png 400w" sizes="(max-width: 197px) 100vw, 197px" /></td> <td style="width: 34.4696%;"> <p style="text-align: center;"><strong>Tessa Hall</strong><br /> Media and Communications<br /> Specialist, BWFA</p> <p><img loading="lazy" decoding="async" class="wp-image-18568 aligncenter" src="https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png" alt="" width="200" height="200" srcset="https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png 300w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1024x1024.png 1024w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-150x150.png 150w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-768x768.png 768w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1536x1536.png 1536w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-600x600.png 600w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-160x160.png 160w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-400x400.png 400w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large.png 1875w" sizes="(max-width: 200px) 100vw, 200px" /></td> </tr> </tbody> </table> <p style="color: #ce181e; text-align: left;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">About This Episode</span></strong></span></p> <p data-start="394" data-end="704">Tessa speaks with BWFA’s Sandy and mortgage expert Jon Wald about downsizing strategies, mortgage decisions, and how to approach buying and selling a home in today’s market. They discuss why many homeowners default to paying off a home in full, and why that may not always align with long-term financial goals.</p> <p data-start="706" data-end="1061">The conversation also explores real-world scenarios, including how equity can be used more strategically, why focusing on monthly payments matters more than the interest rate alone, and how decisions about housing can impact retirement outcomes. To better understand how these decisions fit into your broader financial plan, visit our <strong><a href="https://bwfa.com/retirement-services/">Financial Planning</a> </strong>page.</p> <details class="bwfa-collapsible"> <summary><strong>Read Full Description</strong></summary> <p>Downsizing a home is often seen as a simple financial decision. However, the strategy behind it can be more complex.</p> <p>In this episode of Healthy, Wealthy &#38; Wise, Tessa speaks with BWFA’s Sandy and mortgage expert Jon Wald about downsizing strategies and how to approach buying and selling a home in today’s market. While many homeowners assume they should use all available cash to purchase their next home, that approach may not always support long-term financial goals.</p> <p>For example, using home equity to purchase a new property outright can limit investment opportunities. Instead, maintaining a manageable mortgage while keeping assets invested may provide more flexibility over time. As a result, the conversation focuses on balancing liquidity, risk, and long-term growth.</p> <p>In addition, the episode highlights why interest rates are not the only factor to consider. Many buyers focus heavily on securing the lowest possible rate. However, monthly payment and overall financial strategy often matter more.</p> <p>The discussion also explores current market conditions. While higher rates have slowed some activity, they have also reduced competition. As a result, buyers may have more negotiating power and greater flexibility when making offers.</p> <p>Another key takeaway is the importance of coordination. Decisions around buying, selling, and financing a home should align with a broader financial plan. Without that alignment, even well-intentioned decisions can create unintended consequences.</p> <p>Ultimately, downsizing is not just about reducing space. It is about making informed financial decisions that support both current lifestyle and future goals.</p> </details>

<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9566" src="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header.jpg" alt="taxes" width="1920" height="1080" srcset="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header.jpg 1920w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header-300x169.jpg 300w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header-1024x576.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header-768x432.jpg 768w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header-1536x864.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /></p> <p style="text-align: center;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">AI TAX SCAMS: HOW TO SPOT IRS FRAUD AND PROTECT YOURSELF<br /> FROM BALTIMORE-WASHINGTON FINANCIAL ADVISORS</span></strong></span></p> <p style="text-align: center;"><strong><a style="background-color: #ce181e; color: #ffffff; font-weight: bold; text-decoration: none; padding: 14px 28px; display: inline-block; border-radius: 30px;" href="https://youtu.be/A7HAjNBkP7c" target="_blank" rel="noopener">WATCH ON YOUTUBE</a></strong></p> <table style="border-collapse: collapse; width: 100%; height: 295px;"> <tbody> <tr style="height: 295px;"> <td style="width: 34.4073%; height: 295px;"> <p style="text-align: center;"><strong>Lawrence M. Post<br /> CPA, MST, CFP®, CIMA®</strong><br /> Senior Tax &#38; Planning Advisor</p> <p><img loading="lazy" decoding="async" class="wp-image-9562 aligncenter" src="https://www.bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast.jpg" alt="" width="200" height="200" srcset="https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast.jpg 2000w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-300x300.jpg 300w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-1024x1024.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-150x150.jpg 150w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-768x768.jpg 768w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-1536x1536.jpg 1536w" sizes="(max-width: 200px) 100vw, 200px" /></td> <td style="width: 32.9824%; height: 295px;"> <p style="text-align: center;"><strong>Tessa Hall</strong><br /> Media and Communications<br /> Specialist</p> <p><img decoding="async" class="wp-image-18568 aligncenter" src="https://www.bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png" alt="" width="200" height="200" srcset="https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png 300w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1024x1024.png 1024w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-150x150.png 150w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-768x768.png 768w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1536x1536.png 1536w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-600x600.png 600w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-160x160.png 160w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-400x400.png 400w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large.png 1875w" sizes="(max-width: 200px) 100vw, 200px" /></td> </tr> </tbody> </table> <p style="color: #ce181e; text-align: left;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">About This Episode</span></strong></span></p> <p>Tessa speaks with BWFA Senior Tax &#38; Planning Advisor Larry Post about AI tax scams, how they are evolving, and why even experienced taxpayers can be vulnerable. They discuss how scammers use urgency, fear, and increasingly realistic technology to trick individuals into sending money or sharing sensitive information.</p> <p>The conversation highlights a key takeaway: the IRS does not call, text, or email to demand payment. Understanding how legitimate communication works can help you avoid costly mistakes. To better understand how tax planning and guidance can help protect your financial life, visit our Tax Planning page.</p> <details class="bwfa-collapsible"> <summary><strong>Read Full Description</strong></summary> <p>AI tax scams are becoming more sophisticated. As a result, it is getting harder to tell what is real and what is not.</p> <p>In this episode of Healthy, Wealthy &#38; Wise, Tessa speaks with BWFA Senior Tax &#38; Planning Advisor Larry Post about AI tax scams and how they are impacting taxpayers today. While scams have always existed, new technology is making them more convincing. For example, scammers can now mimic voices, create realistic messages, and apply pressure in ways that feel urgent and believable.</p> <p>However, there are still clear warning signs. The IRS does not call, text, or email to demand payment. Instead, official communication typically comes through mailed notices. Therefore, any unexpected outreach asking for immediate payment should raise concern.</p> <p>In addition, scammers often rely on urgency and secrecy. They may ask you not to tell anyone or push you to act quickly. Because of this, taking a moment to pause and verify the situation can make a significant difference.</p> <p>Larry also explains that even legitimate IRS notices should be reviewed carefully. In some cases, the issue may be resolved with a simple clarification. Rather than reacting immediately, it is often best to confirm the details with a trusted tax professional.</p> <p>Another key takeaway is that you do not have to handle these situations alone. If something feels off, reaching out to your advisor can help you avoid unnecessary stress and costly mistakes.</p> <p>Ultimately, AI tax scams are not just about technology. They are about behavior. By staying informed, asking questions, and slowing down when something feels urgent, you can better protect yourself and your finances.</p> </details>

<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9566" src="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header.jpg" alt="taxes" width="1920" height="1080" srcset="https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header.jpg 1920w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header-300x169.jpg 300w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header-1024x576.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header-768x432.jpg 768w, https://bwfa.com/wp-content/uploads/2021/01/BWFA-Podcast_TaxTalk_Header-1536x864.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /></p> <p style="text-align: center;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">WHAT YOU NEED TO KNOW ABOUT ESTIMATED QUARTERLY TAXES<br /> FROM BALTIMORE-WASHINGTON FINANCIAL ADVISORS</span></strong></span></p> <p style="text-align: center;"><strong><a style="background-color: #ce181e; color: #ffffff; font-weight: bold; text-decoration: none; padding: 14px 28px; display: inline-block; border-radius: 30px;" href="https://youtu.be/Sm06-Ql8Jbw" target="_blank" rel="noopener">WATCH ON YOUTUBE</a></strong></p> <table style="border-collapse: collapse; width: 100%; height: 295px;"> <tbody> <tr style="height: 295px;"> <td style="width: 28.23%; height: 295px;"> <p style="text-align: center;"><strong>Lawrence M. Post<br /> CPA, MST, CFP®, CIMA®</strong><br /> Senior Tax &#38; Planning Advisor</p> <p><img loading="lazy" decoding="async" class="wp-image-9562 aligncenter" src="https://www.bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast.jpg" alt="" width="200" height="200" srcset="https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast.jpg 2000w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-300x300.jpg 300w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-1024x1024.jpg 1024w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-150x150.jpg 150w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-768x768.jpg 768w, https://bwfa.com/wp-content/uploads/2021/01/LarryPost_Bio_Podcast-1536x1536.jpg 1536w" sizes="(max-width: 200px) 100vw, 200px" /></td> <td style="width: 39.1597%; height: 295px;"> <p style="text-align: center;"><strong>Tessa Hall</strong><br /> Media and Communications<br /> Specialist</p> <p><img decoding="async" class="wp-image-18568 aligncenter" src="https://www.bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png" alt="" width="200" height="200" srcset="https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-300x300.png 300w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1024x1024.png 1024w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-150x150.png 150w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-768x768.png 768w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-1536x1536.png 1536w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-600x600.png 600w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-160x160.png 160w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large-400x400.png 400w, https://bwfa.com/wp-content/uploads/2025/12/TessaHall_Bio_Podcast_Large.png 1875w" sizes="(max-width: 200px) 100vw, 200px" /></td> </tr> </tbody> </table> <p style="color: #ce181e; text-align: left;"><span style="font-size: 18px;"><strong><span style="color: #004f6e;">About This Episode</span></strong></span></p> <p data-start="201" data-end="659">Tessa speaks with BWFA Senior Tax and Planning Advisor Larry Post about estimated quarterly taxes, why they exist, and how they help taxpayers avoid unnecessary penalties. They discuss who needs to make quarterly payments, how the IRS evaluates timing, and why even small delays can result in added costs.</p> <p data-start="201" data-end="659">To better understand how estimated quarterly taxes fit into your broader tax strategy, visit our <a href="https://bwfa.com/tax-planning/"><strong data-start="604" data-end="620">Tax Planning</strong></a> page.</p> <details class="bwfa-collapsible"> <summary><strong>Read Full Description</strong></summary> <p>Estimated quarterly taxes can be confusing. This is especially true for those who are not used to making payments outside of paycheck withholding. However, understanding how they work is essential for avoiding penalties and managing cash flow.</p> <p>In this episode of Healthy, Wealthy &#38; Wise, Tessa speaks with BWFA Senior Tax and Planning Advisor Larry Post about estimated quarterly taxes and why the IRS requires them. While employees have taxes withheld automatically, others must take a more active role.</p> <p>For example, individuals with investment income, capital gains, or self-employment income often need to make estimated quarterly tax payments throughout the year. Without these payments, the IRS may apply penalties.</p> <p>Estimated quarterly taxes are designed to create a steady flow of payments to the IRS. Instead of paying once per year, taxpayers pay in smaller installments. As a result, timing becomes very important.</p> <p>Even small delays can lead to penalties. If a payment is late, the IRS may treat it as missed entirely for that period. Therefore, understanding deadlines is critical.</p> <p>The conversation also explains safe harbor rules. These rules allow taxpayers to avoid penalties by paying a percentage of their prior year’s tax liability. This approach can be helpful for those with variable income.</p> <p>In addition, the episode addresses common misconceptions. Many people think these payments increase their taxes. In reality, they are simply prepayments toward an existing obligation.</p> <p>Ultimately, estimated quarterly taxes are not about paying more. Instead, they are about paying on time. With proper planning, taxpayers can avoid penalties, improve cash flow, and reduce stress during tax season.</p> </details>