Metcalf Money Moment the Podcast

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

Most families don't think about home care services until a crisis hits. On Metcalf Money Moment, Jeb, Ethan, and Eric welcome Brad Haag of A Place at Home to guide families through the often-confusing world of senior care planning. Brad shares the telltale signs that a loved one needs help, from fall prevention concerns to early dementia care symptoms, and explains how to fund care through long-term care insurance, veterans benefits, and smart financial planning. Whether you are the sandwich generation or planning for yourself, this episode delivers clear, practical answers that could protect your family and your finances.What you will Learn in this Episode:✅ What home care services actually include and how non-medical home care differs from skilled home health services so that you can make the right choice for your aging loved one without confusion.✅ How to spot the early warning signs that a parent needs help, including fall prevention red flags, dementia care symptoms, and changes in daily behavior that signal it is time to take action. Recognizing the Signs for Needed Care - When to Step in with Aging Parents✅ The funding options available to cover senior care planning costs, including how long-term care insurance policies work, when veterans' benefits apply, and why most home care services are private pay.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 non-medical home care services and how A Place at Home customizes care for each client's needs05:28 The credentials behind home care staff and what families should expect from certified caregivers entering the home07:15 Why reviewing power of attorney paperwork early is one of the most critical steps in senior care planning11:21Brad Haag shares how falling is one of the first warning signs families notice in aging parents and why it matters13:55 Breaking down long-term care insurance, Medicare benefits, Medicaid, and veterans' benefits as funding options for home care18:47 Real-life example of long-term care insurance paying out and the importance of understanding your policy benefitsKEY TAKEAWAYS: 💎 Power of attorney paperwork can quickly become outdated. Brad discovered his own parents had documents more than 20 years old naming an attorney who had since retired, leaving the family without legal decision-making authority in a medical crisis. Review and update these documents now, before an emergency forces the issue.💎 Long-term care insurance is frequently misunderstood. Many families believe these policies apply only to nursing home placement, but they can also cover home care services.💎 Funding senior care rarely comes from a single source. A smart combination of private pay, veterans benefits, long-term care insurance, and creative financial planning can make quality care achievable and sustainable without draining family resources.ABOUT THE GUEST: Brad Haag is a healthcare and business professional with nearly 30 years of leadership experience. He owns and operates A Place At Home Kansas City South, a non-medical in-home care provider serving seniors in the Kansas City area. A Kansas native, Brad holds an undergraduate degree from the University and an M.B.A. from Pepperdine University. His passion for compassionate care was sparked while working with hospice patients, where he recognized the need for better in-home support for both seniors and caregivers. That insight led him to open A Place At Home in Overland Park, where he aims to deliver professional, people-centered care to the community.In-Home Senior Care & Support for Kansas City South FamiliesRecognizing the Signs for Needed Care - When to Step in with Aging ParentsMetcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedInDISCLAIMER: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.

Jeb, Ethan, and Eric from Metcalf Money Moment reveal why the personal CFO model is transforming wealth management. Rather than segmenting your financial planning into separate silos, a personal CFO integrates investment management, tax planning, and estate planning into one cohesive strategy. Learn how Roth conversion timing affects Medicare premiums, why tax-efficient investing matters as much as returns, and how proper beneficiary designation protects your legacy. The hosts share actionable strategies, including opportunistic rebalancing during market volatility and coordinating life insurance with your overall financial picture for maximum family protection.What you will Learn in this Episode:How a personal CFO coordinates investment management, tax strategies, and estate planning to create a comprehensive wealth management approach that goes far beyond traditional financial advice and maximizes your family's long-term financial goals.Advanced tax management techniques, including Roth conversions, capital gains harvesting, and tax-efficient asset location strategies that reduce your tax burden now and create tax-free legacy wealth for your beneficiaries in the future.Why understanding your portfolio risk tolerance and implementing opportunistic rebalancing during market volatility matters more than chasing returns, and how proper risk tolerance alignment eliminates anxiety during market corrections.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 What is a personal CFO, and a discussion of the three pillars of comprehensive wealth management04:00 Tax management strategies beyond April filing07:36 Mindset shift: supporting real-life financial goals over chasing portfolio returns10:33 Understanding portfolio risk through Nitrogen scoring and managing market volatility14:50 Estate planning essentials: beneficiaries, life insurance, disability insurance, and legacy tax planningKEY TAKEAWAYS: A personal CFO acts as your financial quarterback, coordinating all aspects of your wealth management, including investment management, tax strategies, and estate planning.Strategic tax management requires year-round planning, not just April meetings. Implementing Roth conversions, tax loss harvesting, and capital gains management during optimal windows can save thousands annually and create tax-efficient legacy wealth for heirs.Proper estate planning extends beyond wills and trusts to include beneficiary designations, life insurance, disability insurance, and long-term care planning.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

What if you could cut your property tax bill by hundreds of thousands or even millions of dollars? Eric Owens from Swartz + Associates reveals the insider tactics that most property owners never discover. On this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric dive deep into real-world victories, including a stunning $10 million reduction on a Florida hotel and a $600,000 savings on Connecticut retail property. You'll learn why Jackson County's 2025 assessment chaos devastated businesses with 10x increases, how triple net lease tenants often miss their appeal rights, and the exact documentation strategy that wins cases. Whether you manage a multimillion-dollar portfolio or own a single investment property, Eric breaks down the appeal process from informal negotiations to district court settlements, plus reveals the critical mistake that causes new buyers to go underwater financially within their first year of ownership.What you will Learn in this Episode:Master the art of property tax appeals by gathering comparable sales data from your neighborhood and focusing exclusively on valuation evidence.Navigate state-specific assessment year cycle requirements, including Kansas's annual January 1st effective valuation date versus Missouri's odd-year schedule, ensuring you meet critical filing deadlines for informal and formal board of equalization hearings.Understand how sale price disclosure laws in both Kansas and Missouri trigger automatic valuation increases after property purchase, potentially rendering investment properties unprofitable when buyers fail to account for reassessment impacts on cash flow projections.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 Property tax consultant Eric Owens discusses the services of Swartz + Associates02:45 Examples of clients for whom a property valuation reduction occurred06:07 Business property owners versus residential homeowners and discussion of Jackson County property tax increase crisis10:31 Appeal process stages: informal appeal process through the board of equalization to district court appeals settlements14:48 To lower valuations, documentation is essential for winning casesKEY TAKEAWAYS: Evidence trumps emotion in property tax appeals. County assessors require comparable sales data, financial projections, and documented reasoning tied to the effective valuation date, not complaints about rising tax bills or payment hardships.Contingency fee basis consulting eliminates upfront risk. Firms like Swartz and Associates only collect payment when they achieve actual real estate tax reductions, making professional representation accessible even when appeals stretch over years through the district court.Sale price disclosure requirements in Kansas and Missouri automatically trigger reassessments. Investment properties purchased without factoring in next year's valuation increase relative to the purchase price can quickly become unprofitable cash flow disasters.ABOUT THE GUEST: Eric is a licensed Certified General Appraiser and serves as a Director for Swartz + Associates, Inc. (SAI). SAI is a full-service property tax consulting firm that specializes in the review, analysis, and appeal of commercial real estate and business personal property tax valuations. SAI has experience across a wide range of property tax matters and serves multiple industries.Eric Owens - LinkedInSwartz + Associates - 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. Eric Owens, and Swartz + Associates, inc is not affiliated with or endorsed by LPL Financial and Metcalf Partners Wealth Management.RESOURCES MENTIONED: Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedIn