This week, Tim Regan is joined by guest host Kaitlyn Hedger, head of the Kickstart program at PrairieView Wealth &amp; Tax Advisors, for a practical discussion on how proactive tax planning can make a difference in your long-term financial journey.Many people think tax time is just about tallying up last year’s numbers and filing with your accountant. But Kaitlyn explains why true tax planning should start long before the calendar year wraps up—and how aligning your tax decisions with personal goals can help you avoid missed opportunities and unnecessary penalties.“It has to take place before then,” Kaitlyn says about tax planning, “because otherwise if you wait until January 1st, you might miss the boat for some tax credits or benefits.”Tim and Kaitlyn cover common questions about tax deferral, Roth choices, 401(k) contributions, and even saving for milestones like a first home or your child’s college education. They highlight the unique approach of the Kickstart program, which aims to understand your life goals—not just your income—and how regular check-ins can help you stay ahead of changes in your personal situation and tax law.Listen in for a refresher on what proactive tax planning looks like, whether you’re just starting out or revisiting your strategy as life circumstances shift.3 Key Takeaways:<ul><li>Effective tax planning is proactive, not just reactive—waiting until tax season can lead to missed opportunities.</li><li>The best tax strategies are goal-oriented and tailored to your specific life plans, not just tax minimization.</li><li>Regular, ongoing reviews are vital, as both tax laws and personal situations can change from year to year.</li></ul>For more insights on financial planning and the Kickstart program, visit pv-wp.com, and be sure to check out previous episodes of the Retirement Readiness Podcast

<description>&lt;p&gt;This week, Tim Regan is joined by guest host Kaitlyn Hedger, head of the Kickstart program at PrairieView Wealth &amp;amp; Tax Advisors, for a practical discussion on how proactive tax planning can make a difference in your long-term financial journey.&lt;/p&gt;&lt;p&gt;Many people think tax time is just about tallying up last year’s numbers and filing with your accountant. But Kaitlyn explains why true tax planning should start long before the calendar year wraps up—and how aligning your tax decisions with personal goals can help you avoid missed opportunities and unnecessary penalties.&lt;/p&gt;&lt;p&gt;“It has to take place before then,” Kaitlyn says about tax planning, “because otherwise if you wait until January 1st, you might miss the boat for some tax credits or benefits.”&lt;/p&gt;&lt;p&gt;Tim and Kaitlyn cover common questions about tax deferral, Roth choices, 401(k) contributions, and even saving for milestones like a first home or your child’s college education. They highlight the unique approach of the Kickstart program, which aims to understand your life goals—not just your income—and how regular check-ins can help you stay ahead of changes in your personal situation and tax law.&lt;/p&gt;&lt;p&gt;Listen in for a refresher on what proactive tax planning looks like, whether you’re just starting out or revisiting your strategy as life circumstances shift.&lt;/p&gt;&lt;p&gt;3 Key Takeaways:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Effective tax planning is proactive, not just reactive—waiting until tax season can lead to missed opportunities.&lt;/li&gt;&lt;li&gt;The best tax strategies are goal-oriented and tailored to your specific life plans, not just tax minimization.&lt;/li&gt;&lt;li&gt;Regular, ongoing reviews are vital, as both tax laws and personal situations can change from year to year.&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;For more insights on financial planning and the Kickstart program, visit pv-wp.com, and be sure to check out previous episodes of the Retirement Readiness Podcast&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;br/&gt;&lt;/p&gt;</description>

This week, Tim Regan is joined by guest host Kaitlyn Hedger, head of the Kickstart program at PrairieView Wealth &amp; Tax Advisors, for a practical discussion on how proactive tax planning can make a difference in your long-term financial journey. Many people think tax time is just about tallying up last year’s numbers and filing with your accountant. But Kaitlyn explains why true tax planning should start long before the calendar year wraps up—and how aligning your tax decisions with person...

#88: Should You Choose Roth or Traditional Contributions for Your 401k?

This week on The Retirement Readiness Podcast, Tim Regan and Kaitlyn Hedger dive into the essentials of investment management for early-career professionals. If you’ve wondered how to get started with investing, what “investment management” really means, or whether you need a big bankroll to work with a financial advisor, this episode has practical answers.Tim and Kaitlyn break down common misconceptions—like the idea that investing is only for people with large portfolios—and explain how investment management starts with understanding your goals: Are you saving for a house, kids’ college, or retirement? “Step one is figuring out what you actually have,” they emphasize, underscoring the importance of taking inventory and aligning investments to specific goals and timelines.They also discuss the difference between investing and speculating, how to balance “play money” with a disciplined investment plan, and why building the right “money set”—a clear mindset and strategy for each goal—is the foundation for long-term financial success.Quote from the episode:“We see investment management as breaking down what the heck these investments even are—what we should be in, what we should be considering, and what’s available to you. That’s the biggest piece.”Tune in to learn how the Kickstart Program helps young professionals take the guesswork out of investing, and how thoughtful, goal-oriented decisions today can put you on track for your two-comma life. 3 Key Takeaways <ul><li>You don’t need a large amount of money to start investing; everyone can benefit from guidance that aligns investments with personal goals.</li><li>Investment strategies—and risk tolerance—should be tailored to specific goals, like buying a home soon versus saving for retirement decades away.</li><li>Taking inventory of your current accounts and understanding your options is the first step toward building a methodical and intentional investment plan.</li></ul>Listen now, and be sure to visit pvwp.com for more resources or subscribe to the Retirement Readiness Podcast on your preferred platform.

<description>&lt;p&gt;This week on The Retirement Readiness Podcast, Tim Regan and Kaitlyn Hedger dive into the essentials of investment management for early-career professionals. If you’ve wondered how to get started with investing, what “investment management” really means, or whether you need a big bankroll to work with a financial advisor, this episode has practical answers.&lt;/p&gt;&lt;p&gt;Tim and Kaitlyn break down common misconceptions—like the idea that investing is only for people with large portfolios—and explain how investment management starts with understanding your goals: Are you saving for a house, kids’ college, or retirement? “Step one is figuring out what you actually have,” they emphasize, underscoring the importance of taking inventory and aligning investments to specific goals and timelines.&lt;/p&gt;&lt;p&gt;They also discuss the difference between investing and speculating, how to balance “play money” with a disciplined investment plan, and why building the right “money set”—a clear mindset and strategy for each goal—is the foundation for long-term financial success.&lt;/p&gt;&lt;p&gt;Quote from the episode:&lt;/p&gt;&lt;p&gt;“We see investment management as breaking down what the heck these investments even are—what we should be in, what we should be considering, and what’s available to you. That’s the biggest piece.”&lt;/p&gt;&lt;p&gt;Tune in to learn how the Kickstart Program helps young professionals take the guesswork out of investing, and how thoughtful, goal-oriented decisions today can put you on track for your two-comma life.&lt;/p&gt;&lt;p&gt;&lt;br/&gt;3 Key Takeaways&lt;br/&gt;&lt;br/&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;You don’t need a large amount of money to start investing; everyone can benefit from guidance that aligns investments with personal goals.&lt;/li&gt;&lt;li&gt;Investment strategies—and risk tolerance—should be tailored to specific goals, like buying a home soon versus saving for retirement decades away.&lt;/li&gt;&lt;li&gt;Taking inventory of your current accounts and understanding your options is the first step toward building a methodical and intentional investment plan.&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;Listen now, and be sure to visit pvwp.com for more resources or subscribe to the Retirement Readiness Podcast on your preferred platform.&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;br/&gt;&lt;/p&gt;</description>

This week on The Retirement Readiness Podcast, Tim Regan and Kaitlyn Hedger dive into the essentials of investment management for early-career professionals. If you’ve wondered how to get started with investing, what “investment management” really means, or whether you need a big bankroll to work with a financial advisor, this episode has practical answers. Tim and Kaitlyn break down common misconceptions—like the idea that investing is only for people with large portfolios—and explain how in...

#87: Kickstarting Your Financial Future: Investment Strategies Explained

This week on The Retirement Readiness Podcast, Tim Regan and Kaitlyn Hedger take a closer look at estate planning for young professionals—an often-overlooked but essential step in building a secure financial future. Kaitlyn, head of Prairieview’s Kickstart program, joins Tim to break down why creating an estate plan matters, even if you’re just starting out in your career or raising young kids. They discuss the real reasons to set up wills, financial and healthcare powers of attorney, and living wills long before retirement age. Kaitlyn explains, “No one wants to have these conversations, but lack of planning in that area can really cause a lot of chaos for your family members or your loved ones in general.” You’ll also hear about common questions clients have, the difference between a will and a trust, and why naming guardians for kids and being clear on your legacy is so important. Looking out for your loved ones isn’t just about life insurance or saving for college—it’s also about making sure your legal documents are up to date, so your wishes are known and followed. Press play for practical guidance on starting your estate plan today, and learn about the built-in support available through the Kickstart program. 3 Key Takeaways- Estate planning isn’t just for the elderly; having a will, powers of attorney, and a living will is crucial for anyone—especially parents of young children.- Without an estate plan, decisions about your assets and dependents may be made by the courts, which could be at odds with your wishes.- Working with an advisor through Prairie View’s Kickstart program can help make the estate planning process less overwhelming by providing guidance and connections to legal resources. For more resources, visit PVWP.com, and remember to subscribe to the Retirement Readiness Podcast on your favorite platform.

<description>&lt;p&gt;This week on The Retirement Readiness Podcast, Tim Regan and Kaitlyn Hedger take a closer look at estate planning for young professionals—an often-overlooked but essential step in building a secure financial future. Kaitlyn, head of Prairieview’s Kickstart program, joins Tim to break down why creating an estate plan matters, even if you’re just starting out in your career or raising young kids.&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt;They discuss the real reasons to set up wills, financial and healthcare powers of attorney, and living wills long before retirement age. Kaitlyn explains, “No one wants to have these conversations, but lack of planning in that area can really cause a lot of chaos for your family members or your loved ones in general.”&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt;You’ll also hear about common questions clients have, the difference between a will and a trust, and why naming guardians for kids and being clear on your legacy is so important.&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt;Looking out for your loved ones isn’t just about life insurance or saving for college—it’s also about making sure your legal documents are up to date, so your wishes are known and followed.&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt;Press play for practical guidance on starting your estate plan today, and learn about the built-in support available through the Kickstart program.&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt;3 Key Takeaways&lt;/p&gt;&lt;p&gt;- Estate planning isn’t just for the elderly; having a will, powers of attorney, and a living will is crucial for anyone—especially parents of young children.&lt;/p&gt;&lt;p&gt;- Without an estate plan, decisions about your assets and dependents may be made by the courts, which could be at odds with your wishes.&lt;/p&gt;&lt;p&gt;- Working with an advisor through Prairie View’s Kickstart program can help make the estate planning process less overwhelming by providing guidance and connections to legal resources.&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt;For more resources, visit PVWP.com, and remember to subscribe to the Retirement Readiness Podcast on your favorite platform.&lt;/p&gt;</description>

This week on The Retirement Readiness Podcast, Tim Regan and Kaitlyn Hedger take a closer look at estate planning for young professionals—an often-overlooked but essential step in building a secure financial future. Kaitlyn, head of Prairieview’s Kickstart program, joins Tim to break down why creating an estate plan matters, even if you’re just starting out in your career or raising young kids.   They discuss the real reasons to set up wills, financial and healthcare powers of attorney, and l...

#86: Kickstarting Your Financial Future: Estate Planning Tips for Ages 25 to 35

This week on The Retirement Readiness Podcast, hosts Tim Regan and Kaitlyn Hedger zoom in on an essential step for early-career professionals: understanding and maximizing your employer benefits. Whether you’re just starting your career or already navigating the complexities of health insurance and retirement plans, Tim and Kaitlyn break down what you really need to know about making the most of what your workplace offers.Kaitlyn, leader of the Kickstart program and a financial advisor at Prairie View Wealth, joins Tim to walk through common questions and overlooked opportunities—from choosing the right health insurance to deciding what to do with old 401(k) accounts. “With your employer benefits…you might be leaving money on the table if you’re not taking part in these benefits,” Kaitlyn explains.They cover topics such as what to do if you don’t plan to stay with a job long-term, how to avoid gaps in your financial plan, and why it’s worth the effort to review your benefits package—even if it means finally digging that email out of your inbox. Plus, they share practical steps, like using Prairie View’s online tools and checklists, to stay organized along the way.Tune in to boost your benefits knowledge and take actionable steps towards your own “2 comma life.”3 Key Takeaways<ul><li>Your employer benefits are a significant part of your compensation—understanding them can help you avoid leaving money on the table.</li><li>Enrolling in your 401(k), even if you don’t plan to stay at your current job long-term, is an important step since your account goes with you.</li><li>Regularly reviewing and organizing your benefits (like health insurance, life insurance, and retirement accounts) helps you spot and close any gaps in your financial plan.</li></ul>Want more guidance? Visit pv-wp.com for resources and previous episodes, and don’t forget to subscribe to The Retirement Readiness Podcast.

<description>&lt;p&gt;This week on The Retirement Readiness Podcast, hosts Tim Regan and Kaitlyn Hedger zoom in on an essential step for early-career professionals: understanding and maximizing your employer benefits. Whether you’re just starting your career or already navigating the complexities of health insurance and retirement plans, Tim and Kaitlyn break down what you really need to know about making the most of what your workplace offers.&lt;/p&gt;&lt;p&gt;Kaitlyn, leader of the Kickstart program and a financial advisor at Prairie View Wealth, joins Tim to walk through common questions and overlooked opportunities—from choosing the right health insurance to deciding what to do with old 401(k) accounts. “With your employer benefits…you might be leaving money on the table if you’re not taking part in these benefits,” Kaitlyn explains.&lt;/p&gt;&lt;p&gt;They cover topics such as what to do if you don’t plan to stay with a job long-term, how to avoid gaps in your financial plan, and why it’s worth the effort to review your benefits package—even if it means finally digging that email out of your inbox. Plus, they share practical steps, like using Prairie View’s online tools and checklists, to stay organized along the way.&lt;/p&gt;&lt;p&gt;Tune in to boost your benefits knowledge and take actionable steps towards your own “2 comma life.”&lt;/p&gt;&lt;p&gt;3 Key Takeaways&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Your employer benefits are a significant part of your compensation—understanding them can help you avoid leaving money on the table.&lt;/li&gt;&lt;li&gt;Enrolling in your 401(k), even if you don’t plan to stay at your current job long-term, is an important step since your account goes with you.&lt;/li&gt;&lt;li&gt;Regularly reviewing and organizing your benefits (like health insurance, life insurance, and retirement accounts) helps you spot and close any gaps in your financial plan.&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;Want more guidance? Visit pv-wp.com for resources and previous episodes, and don’t forget to subscribe to The Retirement Readiness Podcast.&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;br/&gt;&lt;/p&gt;</description>

This week on The Retirement Readiness Podcast, hosts Tim Regan and Kaitlyn Hedger zoom in on an essential step for early-career professionals: understanding and maximizing your employer benefits. Whether you’re just starting your career or already navigating the complexities of health insurance and retirement plans, Tim and Kaitlyn break down what you really need to know about making the most of what your workplace offers. Kaitlyn, leader of the Kickstart program and a financial advisor at Pr...

#85: Understanding 401k, HSA, and More for Retirement Readiness in Your 20s and 30s

In this episode, hosts Tim and Maddy Regan invite listeners into a candid conversation about “fishbowls”—the limiting beliefs and perceptions that keep us from living our fullest lives, both financially and personally. Throughout the discussion, Tim reflects on transforming his own perceptions over time, sharing how reframing moments of scarcity into sources of growth is foundational to living what he calls a “two comma life.” As he puts it, “Usually, the thing that I’m most scared of doing or dreading the most is the thing I need to do the most.”The hosts also offer practical advice for listeners hoping to identify and break through their own limiting beliefs—whether they stem from childhood memories, recent experiences, or simply a general sense of fear or uncertainty.Click play for a thoughtful look at how personal narrative, mindset shifts, and faith intersect on the path to retirement readiness.3 Key Takeaways<ul><li>Limiting beliefs (“fishbowls”) often stem from formative life experiences, and shifting your perception of these events is key to personal and financial growth.</li><li>“Shattering your fishbowl” applies to all areas of life, not just money—taking action often starts with identifying the moments or feelings that hold you back.</li><li>The path to living with abundance is gradual and individual, but it begins with the confidence to believe, “If somebody else has already done it, so can you.”</li></ul>Want more guidance? Visit pv-wp.com for resources and previous episodes, and don’t forget to subscribe to The Retirement Readiness Podcast

<description>&lt;p&gt;In this episode, hosts Tim and Maddy Regan invite listeners into a candid conversation about “fishbowls”—the limiting beliefs and perceptions that keep us from living our fullest lives, both financially and personally. &lt;/p&gt;&lt;p&gt;Throughout the discussion, Tim reflects on transforming his own perceptions over time, sharing how reframing moments of scarcity into sources of growth is foundational to living what he calls a “two comma life.” As he puts it, “Usually, the thing that I’m most scared of doing or dreading the most is the thing I need to do the most.”&lt;/p&gt;&lt;p&gt;The hosts also offer practical advice for listeners hoping to identify and break through their own limiting beliefs—whether they stem from childhood memories, recent experiences, or simply a general sense of fear or uncertainty.&lt;/p&gt;&lt;p&gt;Click play for a thoughtful look at how personal narrative, mindset shifts, and faith intersect on the path to retirement readiness.&lt;/p&gt;&lt;p&gt;3 Key Takeaways&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Limiting beliefs (“fishbowls”) often stem from formative life experiences, and shifting your perception of these events is key to personal and financial growth.&lt;/li&gt;&lt;li&gt;“Shattering your fishbowl” applies to all areas of life, not just money—taking action often starts with identifying the moments or feelings that hold you back.&lt;/li&gt;&lt;li&gt;The path to living with abundance is gradual and individual, but it begins with the confidence to believe, “If somebody else has already done it, so can you.”&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;Want more guidance? Visit pv-wp.com for resources and previous episodes, and don’t forget to subscribe to The Retirement Readiness Podcast&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;br/&gt;&lt;/p&gt;</description>

In this episode, hosts Tim and Maddy Regan invite listeners into a candid conversation about “fishbowls”—the limiting beliefs and perceptions that keep us from living our fullest lives, both financially and personally.  Throughout the discussion, Tim reflects on transforming his own perceptions over time, sharing how reframing moments of scarcity into sources of growth is foundational to living what he calls a “two comma life.” As he puts it, “Usually, the thing that I’m most scared of d...

#84: Shatter Your Fishbowl: Recognizing and Overcoming Self-Limiting Beliefs

Retirement readiness is a phrase that can be defined differently by everyone, but we believe that it involves the idea of living with purpose. If you’ve ever wondered if it’s possible to find purpose in retirement, this show is for you. Please see https://prairieviewwealthpartners.com/disclosures/ for important disclosures.

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