Metcalf Money Moment the Podcast

Most people think their financial advisor's job is picking winning investments. Jeb, Ethan, and Eric of Metcalf Money Moment want to change that. In this episode, they expose the silent tax bomb, the stealth costs that inflate your tax bill in retirement without warning. From capital gains tax on appreciated accounts to required minimum distributions that push you into a higher bracket to Medicare premium surcharges and the social security tax trap, the hosts walk through every major risk and the strategies that defuse them, including tax-loss harvesting, Roth conversions, and donor-advised funds. Your biggest lifetime expense is taxes. This episode shows you how to fight back.What you will learn in this Episode:How capital gains tax works inside non-retirement accounts, including the critical difference between long-term and short-term gains, and why holding mutual funds in a taxable account can trigger tax drag you never saw coming.Why required minimum distributions can silently push retirees into a higher tax bracket and how strategic early withdrawals, Roth conversions, and account sequencing can shrink that future burden before it hits.How the social security tax trap and Irma Medicare premium surcharges work together to punish higher earners in retirement, and why coordinating with your advisor on income timing is one of the most valuable moves you can make.Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey!TIMESTAMPS: 00:00 Retirement tax planning and the silent tax bomb concept 03:51 Ethan breaks down capital gains tax, long-term vs. short-term rates, and unrealized gains in taxable accounts07:02 How tax loss harvesting and asset location protect your non-retirement portfolio from unnecessary tax drag 10:13 Eric explains the three-leg retirement income model and how each bucket affects your tax-efficient retirement income 12:57 The required minimum distribution trap: how RMDs can spike your tax bracket and what to do before age 73 14:07 Social security taxation, Irmaa Medicare premiums, and why your income level determines your retirement costs 18:20 Jeb wraps up with Roth conversions, qualified charitable distributions, and what to expect from a comprehensive wealth managerKEY TAKEAWAYS: Asset location matters as much as investment selection. Placing tax-inefficient assets, such as actively managed mutual funds, outside taxable accounts and using ETFs strategically within them can meaningfully reduce your annual capital gains tax exposure without changing your overall investment risk.The gap between ages 65 and 73 is your most powerful window for Roth conversion planning. Moving money from pre-tax accounts into a Roth before required minimum distributions kick in can dramatically lower your lifetime tax bill, even if it costs a little more in taxes today.Donor-advised funds and qualified charitable distributions are two underused tools that offer a double tax advantage, letting charitably inclined investors reduce both their taxable income and their embedded capital gains tax liability at the same time.DISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor.RESOURCES MENTIONED: Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedIn

Most business owners spend decades building something valuable and far too little time planning how to actually leave it. On Metcalf Money Moment, Jeb, Ethan, and Eric sit down with Stephen Hilborn and Timothy Hosie of Planned Exit Partners to explore business exit strategy from every angle. Whether it is a private equity deal, an ESOP, or a management buyout, the guests reveal what truly drives business valuation, how to reduce key-man risk and customer concentration, and why starting exit planning at least 5 years out creates the most options and the most value.What you will learn in this Episode:Why business exit strategy planning should begin well before the five-year mark and how starting early opens up more exit planning pathways.How reducing key man risk and customer concentration directly increases your EBITDA multiple and makes your company more attractive to private equity buyers and strategic acquirers.What tools, like exit readiness assessments, business valuation reports, and discovery checklists, can help owners understand where gaps exist in their business transfer plan so they can close those gaps before going to market?Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey!TIMESTAMPS: 00:00 Planned Exit Partners frame the conversation around exit planning03:45 Why starting exit planning early creates more options and better business valuation outcomes05:53 The team discusses the scale of business transfer demand and how the Exit Planning Institute data reveals owner readiness gaps07:00 Breaking down ESOP, management buyout, and family succession12:23 Private equity fund structure and why lower middle market buyers typically offer higher EBITDA multiples to business owners17:30 Breaking down the three risks that drive business valuationKEY TAKEAWAYS: Succession planning is not a one-time event. It is an ongoing process that requires years of intentional effort to strengthen management, improve financial reporting, and reduce owner dependency, so the business can stand on its own before it ever goes to market.Seller financing and installment structures are common across nearly every business transfer pathway, including private equity, family succession, and management buyouts, meaning structure and payment terms matter just as much as the headline valuation number.Enterprise value is built or lost long before the sale conversation begins. Owners who address customer concentration, document processes, and secure key leadership years in advance.ABOUT THE GUESTS: Timothy Hosie is the Founder and Managing Director at Planned Exit Partners, advising lower-middle-market business owners through exit planning and sell-side M&A transactions. With over eight years of experience across transportation, construction, marketing, and industrial services, Tim helps owners navigate the sale process with clarity while aligning outcomes to their financial and personal goals.Stephen Hilborn is Managing Director at Planned Exit Partners, supporting business owners through every stage of ownership transition. He leads sell-side, corporate development, and exit planning engagements, guiding owners through exit options, readiness assessments, and succession planning. His industry expertise spans aviation, construction, engineering, and manufacturing.Planned Exit Partners - LinkedInPlanned Exit Partners - WebsiteDISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor.RESOURCES MENTIONED: Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedIn

Investing amid uncertainty is the focus of this week's Metcalf Money Moment, as Jeb, Ethan, and Eric unpack what the data say about market volatility during wars and elections. Across 20 major geopolitical events since World War II, stocks recovered in an average of 47 trading days. Election year investing also shows surprising strength, with 83% of presidential election years producing positive S&P 500 returns. The team explores how to protect your portfolio during geopolitical uncertainty and why staying the course almost always beats reacting to headlines.What you will Learn in this Episode:✅ How investing during uncertainty has historically played out across major conflicts, including the Korean War, Cuban Missile Crisis, and 9/11, and why stock market recovery tends to happen faster than most investors expect.✅ Why election year investing is less about which party wins and more about the market cycle itself, and what the data shows about midterm elections and the strong performance that typically follows them.✅ Practical steps for managing market volatility, including opportunistic rebalancing, building a cash allocation buffer, and why dollar cost averaging can smooth your entry point during turbulent periods.Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey!TIMESTAMPS: 00:00 Introduction to investing during uncertainty, war, and what markets historically do during geopolitical risk03:41 Eric reviews stock market recovery patterns across the Korean War, Cuban Missile Crisis, and Gulf War10:07 Jeb breaks down election year investing data, party performance, and the truth about political impact on the S&P 50013:50 What the midterm election cycle means for portfolio management and why 2026 may see a significant market drawdown16:18 Discussion of diversification, rebalancing, risk and the importance of cash allocation22:45 The team tackles the question of market timing and why dollar cost averaging versus lump sum investing matters25:01 Why compound interest and disciplined savings rates build more wealth than trying to time or predict the marketKEY TAKEAWAYS: 💎 History shows that geopolitical risk creates short-term fear, but investor emotions are often the biggest threat to long-term wealth. The average drawdown across 20 major conflicts was just 5%, and markets recovered within an average of 47 trading days.💎 A well-structured financial plan aligned with your risk tolerance is your best defense against volatility. Clients who maintain a stable asset allocation for one to two years rarely need to react when markets drop.💎 Compound interest and disciplined saving rates build more wealth over time than any attempt at market timing. The most financially successful people focus on what they can control, not on predicting the next crisis.DISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor.RESOURCES MENTIONED: Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutcheson - LinkedInEric Wymore - LinkedIn

What if the most important investment you make before retirement has nothing to do with money? On Metcalf Money Moment, hosts Jeb, Ethan, and Eric sit down with longevity coach Chad Derowitsch of KCFITCLUB to talk about healthy aging, muscle mass, and why your body is your greatest asset. Chad breaks down how strength training, smart protein intake, and the right supplementation, including creatine, can transform your retirement years. Whether you are 45 or 70, this episode delivers a practical, data-driven roadmap to staying strong, sharp, and independent for the long haul.What you will Learn in this Episode:Why muscle mass is considered your most important longevity organ and how strength training just two to three times per week can protect your independence as you age, reducing the risk of entering a sedentary, disease-prone lifestyle in retirement.How protein intake powers protein synthesis, fuels your metabolism, and why older adults actually need more protein than younger people to maintain lean body mass, making nutrition the true foundation of healthy aging.How creatine supplements and other key supplements like omega-3s, probiotics, and magnesium play in filling nutritional gaps, supporting brain health, improving sleep recovery, and keeping your body performing at its best after 50.Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey!TIMESTAMPS: 00:00 Chad introduces holistic wellness and his role as a longevity coach at KCFITCLUB. 03:22 Muscle mass is your longevity organ, strength training slows age-related loss, and nutrition being 80% of an active lifestyle05:34 Discussion of the importance of supplements, the biggest nutrition mistakes people make 10:20 Chad's five steps for easing into healthy aging with consistency14:20 The role of sleep recovery, mobility training, and inflammation recovery in a complete fitness programKEY TAKEAWAYS: Body composition matters far more than scale weight. Chad explains why shifting focus from pounds lost to body fat percentage and lean muscle mass gives a far more accurate picture of your true health and long-term vitality.Nutrition accounts for roughly 80% of your fitness results. Undereating, skipping protein, or relying on low-carb strategies strips away the very muscle mass your metabolism depends on, leading to yo-yo weight cycling and long-term decline.Mental health and physical health are deeply connected. From journaling and faith to the natural release of hormones through strength training, guarding your mind is just as critical as fueling your body for a thriving retirement lifestyle.ABOUT THE GUEST: Chad Derowitsch is a longevity and metabolic health coach and the founder of KCFITCLUB. With over 20 years of coaching experience and a background in Exercise Science and business (MBA), Chad specializes in helping busy professionals improve muscle mass, metabolic health, and long-term physical independence. His approach combines strength training, body composition analysis, and structured nutrition strategies to help clients stay strong, energetic, and capable as they age.Chad Derowitsch - LinkedInKCfitclub- FacebookChad Derowitsch - InstagramKCfitclub - WebsiteDISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor.RESOURCES MENTIONED: Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedIn

Artificial intelligence investing is no longer a concept of the future. It is reshaping wealth management today. Jeb, Ethan and Eric break down the key AI stocks and players driving this revolution, from model builders like OpenAI and Anthropic to infrastructure giants like Nvidia. They explore how portfolio diversification remains essential as AI transforms industries, including healthcare, logistics and finance. They also discuss real risks, such as hype cycles and market volatility, and share how their firm uses AI tools to serve clients better. This episode is your guide to navigating the AI era with confidence.What you will Learn in this Episode:Who the major artificial intelligence investing players really are, from foundational model builders like OpenAI and Anthropic to infrastructure leaders like Nvidia and Microsoft, and how they each fit into the broader AI stocks landscape that is transforming the global economy.How AI productivity gains are already delivering measurable results across wealth management, healthcare, logistics and retail, and why companies that adopt AI early are gaining a significant competitive edge over those that do not.Why portfolio diversification remains your most powerful tool in the AI era, and how to avoid the common mistakes of chasing hype or making concentrated bets in a fast-moving investment strategy environment.Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey!TIMESTAMPS: 00:00 Artificial intelligence investing overview and why AI is the biggest topic in business today03:08 Real-world AI applications in wealth management: Jump AI and wealth.com tools explained06:00 Key AI stocks and players: model builders, semiconductor stocks, and cloud infrastructure12:00 The AI gold rush analogy and how AI productivity is improving margins at Walmart and Costco17:23 Market volatility, regulation, economic disruption, and investment strategy for the next decade23:46 There will be job disruptions in certain industries as a result of AIKEY TAKEAWAYS: You do not need to buy individual AI stocks to benefit from the artificial intelligence boom. Broad index investors already have significant exposure through the Magnificent Seven, which accounts for nearly 50% of the S&P 500's weighting today.Artificial intelligence investing is not only about tech companies. AI is quietly improving profit margins across healthcare, logistics, retail and finance, meaning almost every sector in a diversified portfolio stands to benefit from wider adoption.The professionals who embrace AI productivity tools will outpace those who do not. As Jeb, Ethan and Eric note, the financial advisor who refuses to use AI is the one most at risk, not the profession itself.DISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor.RESOURCES MENTIONED: Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedInSomething big is happening in AI by Matt Shumer