Sign In

Metcalf Money Moment the Podcast

Jeb Graham, Ethan Hutcheson, & Eric Wymore

Details

Looking for trusted financial planning, retirement planning, wealth management, investing, tax planning, and estate planning advice you can actually use? Welcome to Metcalf Money Moment – The Podcast, where individuals, families, business owners, professionals, and retirees gain practical financial planning strategies to build wealth, prepare for retirement, reduce taxes, protect assets, and make confident financial decisions. Hosted by Jeb Graham, Ethan Hutcheson, and Eric Wymore of Metcalf Partners Wealth Management, each episode delivers expert financial planning insights, retirement planning strategies, wealth management guidance, and investment knowledge designed to help you navigate today's financial landscape with confidence. Drawing on decades of experience, the hosts simplify complex financial topics into practical conversations that help you avoid costly mistakes and make informed decisions for your future. Whether you're preparing for retirement, growing your investments, planning for a major life transition, selling a business, managing significant wealth, or creating a legacy for future generations, you'll gain actionable financial planning advice that can be applied to real-life situations. Each episode explores topics including: • Financial planning, wealth management, and personal finance strategies • Retirement planning, retirement income, and Social Security decisions • Investing, investment management, and building long-term wealth • Tax planning, estate planning, trusts, and legacy planning • Business succession, exit planning, and financial planning for business owners • Market trends, economic insights, and financial strategies for major life transitions If you're approaching retirement, you'll learn how to create reliable retirement income, optimize Social Security decisions, manage investment risk, reduce taxes, and develop a retirement plan that supports the lifestyle you've worked hard to achieve. If you're a business owner or entrepreneur, you'll discover strategies for business valuation, succession planning, exit planning, tax considerations, liquidity planning, and preparing your business for a successful sale or transition. If you're focused on building and preserving wealth, you'll gain practical guidance on investing, wealth management, estate planning, family wealth conversations, charitable giving, trust planning, and creating a lasting financial legacy. Financial professionals, CPAs, attorneys, and trusted advisors will also benefit from timely discussions on financial planning best practices, wealth management trends, retirement strategies, investment planning, tax-efficient wealth transfer, and opportunities to better serve their clients. At Metcalf Partners Wealth Management, we believe financial planning should be practical, understandable, and actionable. Our mission is to help people make smarter financial decisions through education, thoughtful planning, and personalized wealth management strategies that align with their goals, values, and long-term vision. Whether you're just beginning your financial journey, preparing for retirement, managing investments, growing your wealth, protecting your family, planning your estate, or building a legacy for future generations, Metcalf Money Moment – The Podcast delivers trusted financial planning, retirement planning, wealth management, investing, and personal finance insights to help you make every money moment count. About the Hosts Jeb Graham, CFP® is CEO and Managing Partner of Metcalf Partners Wealth Management and specializes in wealth management, retirement planning, and helping business owners navigate complex financial decisions. Ethan Hutcheson is a Partner and Financial Planner whose expertise includes financial planning, investment management, and tax-focused strategies designed to help clients prepare for the future. Eric Wymore, AIF® is a Partner and Wealth Manager focused on investment stewardship, fiduciary guidance, and helping families build and preserve long-term wealth. Metcalf Website: https://www.metcalfpartners.com/

Recent Episodes

SEP 23, 2026
Ep 42 - The Great Wealth Transfer: How To Prepare Your Heirs
Estate planning conversations feel uncomfortable, but waiting too long can cost your family peace of mind. On this episode of Metcalf Money Moment, hosts Jeb, Ethan and Eric unpack a real client case study to explain why beneficiaries need more than a will to be ready. They cover retirement planning, the great wealth transfer, and the difference between inheriting a Roth IRA versus a traditional one. The trio also introduces the NOK box, a simple way to organize documents so your family always knows who to call. Whether your kids are five or fifty, this episode helps you start the conversation sooner rather than later. What you will learn in this Episode: ✅ Why estate planning only works if your heirs actually know it exists, and how to introduce your kids to your financial advisor without oversharing dollar amounts. ✅ How inheriting a Roth IRA differs from a traditional IRA or a trust account, and why understanding those rules early can save your kids from a tax surprise. ✅ How to build a NOK box so your family has one place to find every account, policy, and password when they need it most. 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 Client case study on estate planning and beneficiaries 02:17 Why kids need to know something, not everything, about your retirement planning and accounts 05:16 Ethan explains there is no magic age to start the inheritance conversation with your children 10:47 Eric shares how to prepare families and organize digital assets before the great wealth transfer 14:42 Jeb breaks down how a Roth IRA and traditional IRA inheritance differ for tax purposes 15:46 Building a NOK box to organize documents your family needs before it's too late KEY TAKEAWAYS: 💎 There is no magic age for the money talk. What matters is your child's maturity, not their birthday, when it comes to estate planning conversations. 💎 Consolidating accounts, listing digital assets, and naming a power of attorney now prevents confusion and family conflict later during the great wealth transfer. 💎 Revisit the conversation yearly. A NOK box or trust document is only useful if it stays updated as life and accounts change. 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 - Website Jeb Graham - LinkedIn Ethan Hutcheson - LinkedIn Eric Wymore - LinkedIn Metcalf Money Moment, Jeb Graham, Ethan Hutcheson, Eric Wymore, Estate Planning, Life Insurance Planning, Wealth Transfer, Retirement Planning, Wealth Management, Beneficiary Designations, Trust, Roth IRA, Traditional IRA
19 MIN
SEP 9, 2026
Ep 41 - Demystifying Life Insurance: What You Actually Need
Welcome back to Metcalf Money Moment! In this episode, hosts Jeb, Ethan, and Eric dive into a crucial topic just ahead of Life Insurance Awareness Month: life insurance. While talking about mortality is rarely anyone's favorite pastime, securing the right coverage is essential to protect your loved ones and build a comprehensive financial plan. The team breaks down common misconceptions, explains why many people drastically overestimate the cost of basic term insurance, and covers the exact questions you should ask to determine your coverage needs. Whether you are evaluating a basic term policy, exploring permanent insurance options, or considering advanced strategies for high-net-worth individuals, this episode offers practical clarity. Tune in to learn why reviewing your policies and updating your beneficiaries regularly is vital for financial peace of mind. What you will learn in this Episode: ✅ Master the fundamentals of life insurance planning to protect your family's future ✅ Compare term insurance and permanent options like whole life policies ✅ Discover advanced strategies utilizing estate planning and cash value accounts ✅ Hear about why reviewing your policy is critical 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 life insurance planning basics 04:15 Exploring how much coverage you need 08:00 Breaking down term life, whole life versus universal life and cash value mechanics 14:13 Discussing high net worth strategies and estate planning liquidity solutions. 20:44 Reviewing business succession and key person insurance for corporate protection 22:47 Final thoughts on policy reviews, updating beneficiaries, and closing remarks KEY TAKEAWAYS: 💎 Evaluate your life insurance planning needs regularly as life changes 💎 Utilize term insurance to cover temporary family income replacement gaps 💎 Implement estate liquidity strategies for tax efficiency and asset protection 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 - Website Jeb Graham - LinkedIn Ethan Hutcheson - LinkedIn Eric Wymore - LinkedIn Metcalf Money Moment, Jeb Graham, Ethan Hutcheson, Eric Wymore, Estate Planning, Life Insurance Planning, Term Insurance, Whole Life, Universal Life, Variable Life, Estate Planning, Pension Max, Death Benefit, Cash Value, Financial Planning, Insurance Policy
24 MIN
AUG 19, 2026
Ep 40 - Should You Buy an IPO? What Most Investors Get Wrong
IPO (Initial Public Offering) investing sounds thrilling, but the data tells a very different story. On this episode of Metcalf Money Moment, Jeb, Ethan, and Eric explain why buying a stock on IPO day, from SpaceX to Meta and Uber, often leads to painful drawdowns for everyday investors. They discuss behavioral finance, the fear of missing out, and why dollar cost averaging may beat chasing hype. Diversification and a solid financial plan help protect your portfolio from IPO volatility during those early, unpredictable months. Should you buy a stock on IPO day? This episode helps you decide before you invest your hard-earned money. What you will learn in this Episode: ✅ Why the average IPO jumps 19% on day one of trading, then can face a brutal drawdown of over 50% within the first year on the market. ✅ How behavioral finance and fear of missing out drive herd mentality around hyped up IPOs like SpaceX, Meta, and Uber. ✅ Why diversification and a strong financial plan matter more than chasing the next hyped up stock market debut with your retirement dollars. 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 The question: Should you buy an IPO on its very first trading day 04:51 What the IPO investing process actually is and why companies choose to go public 10:02 Behavioral finance, herd mentality, and the SpaceX IPO frenzy in real time 14:54 Financial planning perspective on diversification and protecting your portfolio from IPO risk 16:12 Why dollar cost averaging beats trying to time a hyped up stock market debut perfectly every time 18:37 Closing thoughts on patience, long-term investing, and lessons from the Amazon stock story KEY TAKEAWAYS: 💎 Nearly two out of three IPOs underperform the broader stock market over the following three years after going public. 💎 Dollar cost averaging into a quality company over time often beats trying to time the IPO day itself perfectly. 💎 A solid financial plan and diversification protect your retirement savings from sudden IPO volatility and market hype. 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 - Website Jeb Graham - LinkedIn Ethan Hutcheson - LinkedIn Eric Wymore - LinkedIn Metcalf Money Moment, Jeb Graham, Ethan Hutcheson, Eric Wymore, Estate Planning, IPO Investing, IPO, Initial Public Offering, Stock Market, SpaceX IPO, Behavioral Finance, Dollar Cost Averaging, Diversification
20 MIN
AUG 5, 2026
Ep 39 - Retirement Clarity: How to Know When You're Really Ready
Retirement planning takes more than picking a date on a calendar; it takes a real strategy for income, taxes and healthcare. On this episode of Metcalf Money Moment, hosts Jeb, Ethan and Eric walk through the retirement clarity plan, covering Social Security timing, Roth conversions, required minimum distributions and estate planning essentials. They explain how to know when you can retire, why tax diversification matters and how a solid income plan protects your family for the long run ahead. If retirement is on your horizon, this episode offers a practical roadmap for building lasting financial security. What you will learn in this Episode: ✅ Learn how to know when you can retire by weighing your needs, wants and inflation, then stress testing the plan with Monte Carlo analysis. ✅ Understand why tax diversification, Roth conversions and required minimum distributions determine how much of your retirement paycheck you actually keep. ✅ Discover how cash reserves, spousal benefits and a trusted financial advisor team come together to protect your income and your family. 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 Why a Retirement Clarity Plan matters for anyone nearing retirement 04:41 How do you know when you can retire 07:34 Ethan breaks down Retirement Income Planning, Cash Reserves and running a Monte Carlo Analysis stress test 12:53 Eric explains Tax Diversification, Roth Conversions and how Medicare and IRMAA Surcharges affect your budget 16:12 A closer look at Social Security timing, Spousal Benefits and coordinating claiming strategy 19:43 Jeb covers Estate Planning essentials, trusts, Beneficiary Designations and Qualified Charitable Distributions 25:58 Building your retirement team and why ongoing reviews keep your Retirement Paycheck on track KEY TAKEAWAYS: 💎 A written estate plan, including Beneficiary Designations and updated account titling, protects your family far better than assuming things will sort themselves out. 💎 Long-Term Care Insurance and proper Inflation Planning keep unexpected costs from derailing decades of careful saving. 💎 A Donor-Advised Fund lets you take a tax deduction now while deciding later which charities receive your generosity. 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 - Website Jeb Graham - LinkedIn Ethan Hutcheson - LinkedIn Eric Wymore - LinkedIn Ep 2. Annie Burndrett Maximizing Your Philanthropy Metcalf Money Moment, Jeb Graham, Ethan Hutcheson, Eric Wymore, Estate Planning, Retirement Planning, Social Security, Medicare, Roth Conversions, Required Minimum Distributions, Estate Planning, Tax Efficient Withdrawals, Long Term Care Insurance, IRMAA Surcharges
30 MIN
JUL 22, 2026
Ep 38 - The Real Cost of Waiting to Hire a Financial Advisor
Financial advisor strategies are the focus as Jeb, Ethan, and Eric break down the real cost of procrastination. Tax planning windows close every year you wait. The hosts explore how portfolio rebalancing prevents costly drift, why the timing of Roth conversions matters more than most people realize, and how behavioral coaching from a trusted advisor can prevent emotional decisions that derail decades of progress. From missed tax loss harvesting cycles to life insurance premiums that rise with age, the compounding effect of delay touches every corner of your financial planning journey. This episode makes the case that a written financial plan is not a luxury for later. It is the foundation on which your future is built right now. What you will learn in this Episode: How missing annual tax planning windows, including Roth IRA contributions, tax loss harvesting, and Roth conversion timing, creates a compounding gap of lost opportunity that you can never fully recover. Why portfolios left unattended experience portfolio drift, shifting from a balanced allocation to a concentrated risk profile that only reveals itself when market volatility strikes at the worst possible moment. How behavioral coaching from a financial advisor protects you from emotionally driven decisions like selling during downturns or chasing returns on high-profile IPOs that statistically underperform in their first year. 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 Ethan explains missed tax planning opportunities, including Roth IRA contributions and tax loss harvesting cycles 07:00 Eric covers portfolio drift, portfolio rebalancing, and the risks of account sprawl in a DIY investment approach 11:31 Jeb discusses the behavioral coaching value of an advisor and how emotional selling destroys long-term wealth management 16:25 Ethan highlights the compounding effect of delay on life insurance costs, estate planning, and financial planning decisions 18:40 Eric revisits Roth conversion strategy and why the ideal window for retirement planning is shorter than most people expect KEY TAKEAWAYS: A five-year delay in financial planning is not one missed plan. It is five missed cycles of tax planning, portfolio rebalancing, and strategic opportunities that cannot be recovered retroactively. Portfolio drift is a silent risk. A balanced investment strategy can quietly shift toward dangerous concentration during a bull market, leaving investors exposed when market volatility eventually arrives. The greatest hidden value of a financial advisor is not investment returns. It is the behavioral guardrail that prevents a single emotional decision from wiping out more value than years of advisory fees would ever cost. 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 - Website Jeb Graham - LinkedIn Ethan Hutchison - LinkedIn Eric Wymore - LinkedIn
25 MIN