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Metcalf Money Moment the Podcast

Jeb Graham, Ethan Hutcheson, & Eric Wymore

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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

NOV 11, 2026
Ep 45 - Long-Term Care Insurance Explained: What Medicare Won't Cover With Matt Bell
Long-term care insurance, life insurance, and policy reviews are essential tools for protecting your family's financial future. In this episode of Metcalf Money Moment, Jeb Graham, Ethan Hutcheson, Eric Wymore, and insurance specialist Matt Bell unpack common misconceptions about Medicare coverage, explain how hybrid life insurance policies can help cover long-term care costs, and share why reviewing your insurance every few years can unlock better benefits while avoiding costly mistakes. What you will learn in this Episode: ✅ Why Medicare and private health insurance generally do not pay for long-term custodial care, and what actually qualifies as long-term care. ✅ How hybrid life insurance and long-term care policies can provide flexible cash benefits, including paying family members who become caregivers. ✅ Why reviewing your insurance policies every two or three years can increase benefits, reduce costs, and help you avoid outdated coverage. 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 Matt Bell explains the biggest misconception about long-term care and Medicare coverage 03:13 A GoFundMe story highlights why families should review life insurance regularly 06:07 The reality of long-term care costs and the three ways people pay for care 12:29 Hybrid long-term care policies and why inflation riders matter 17:56 Why insurance policies should be reviewed every two or three years 24:05 Estate planning, business owners, and using life insurance to protect family wealth KEY TAKEAWAYS: 💎 Long-term care is usually custodial care, not medical treatment, which means Medicare often stops paying long before ongoing care ends. 💎 Hybrid life insurance policies can provide flexible cash benefits that allow families to pay spouses, children, or other caregivers directly. 💎 Reviewing insurance every few years helps ensure coverage keeps pace with life changes, inflation, and new policy options. ABOUT THE GUEST: Matt Bell has more than 20 years of experience in financial services,insurance distribution, and advisor development. As Regional Director at Blackheath Partners, he partners with financial advisors, RIAs, and wealth managers to implement advanced planning strategies in life insurance, annuities, long-term care, and disability. Prior to joining Blackheath Partners, Matt served as Regional Vice President with AIG and The Hartford, where he led advisor development and helped grow multiple Midwest territories into nine-figure production regions. https://www.linkedin.com/in/matt-bell-a249624b/?isSelfProfile=false https://blackheathpartners.com/ 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 long-term care insurance, life insurance, Medicare coverage, retirement planning, hybrid life insurance, custodial care, estate planning, insurance policy review, financial planning, long-term care costs, wealth management, retirement income, insurance benefits, family financial planning, Metcalf Money Moment
30 MIN
OCT 28, 2026
Ep 44 - Inflation and Interest Rates: What They Mean for Your Investments
Inflation and rising interest rates can affect everything from your savings account to your retirement portfolio. On this episode of Metcalf Money Moment, hosts Jeb Graham, Ethan Hutcheson and Eric Wymore explore how today’s economic environment compares to history, why cash can quietly lose purchasing power, and how interest rates affect bonds, stocks and real estate. They also share practical strategies to help investors stay diversified and focused on long-term financial goals. What you will learn in this Episode: ✅ How inflation erodes purchasing power over time, why cash may not be as safe as it feels, and how appreciating assets can help protect your long-term wealth. ✅ Why the Federal Reserve raises interest rates to combat inflation, how changing rates affect bond prices, and why bond values can fluctuate as interest rates move. ✅ How stocks, real estate and fixed-rate debt can factor into an inflation strategy, plus why staying diversified and following a long-term financial plan matters. 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: 00:46 Inflation and interest rates: How today's economy compares to history 05:34 Ethan explains how inflation reduces purchasing power and why holding too much cash can be risky 11:22 Eric breaks down how the Federal Reserve uses interest rates to combat inflation 14:34 Why rising interest rates lower bond prices, and how bond maturity can create reinvestment opportunities 17:30 How stocks and real estate can help investors keep pace with inflation over the long term 21:18 Jeb shares practical strategies for managing cash, bonds, stocks, real estate and debt during inflationary periods KEY TAKEAWAYS: 💎 A stable bank balance doesn't necessarily mean your money is holding its value. If inflation outpaces the interest you're earning, your purchasing power is declining even when your account balance stays the same. 💎 Interest rates and bond prices generally move in opposite directions. Rising rates can temporarily lower existing bond values, while maturing bonds may offer opportunities to reinvest at higher yields. 💎 Stocks and real estate can help support long-term growth during inflationary periods, but no investment is guaranteed to outperform inflation. Maintaining a diversified portfolio aligned with your risk tolerance and financial plan can help you weather changing economic conditions. 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 Inflation and interest rates, inflation investing strategies, purchasing power, wealth management, retirement planning, Federal Reserve interest rates, bond prices and interest rates, stock market and inflation, real estate investing, inflation protection, long-term investing, portfolio diversification, cash savings and inflation, fixed-rate mortgage, financial planning
25 MIN
OCT 14, 2026
Ep 43 - Don’t Wait Until December: Your Year-End Financial Checklist
Year-end financial planning can make a major difference, and there is still time to act. On this episode of Metcalf Money Moment, Jeb, Ethan and Eric revisit key moves to make before December 31, including maximizing 401(k) contributions, reviewing taxes, considering Roth conversions, harvesting losses, and completing required minimum distributions. They also discuss HSAs, qualified charitable distributions, donor-advised funds, beneficiary reviews, insurance, and engaging your tax preparer early. What You Will Learn in This Episode: ✅ Why September and October are ideal times to review your income, taxes, retirement contributions, and financial changes before year-end deadlines. ✅ How Roth conversions, tax-loss harvesting, and portfolio reviews can factor into year-end tax planning and why your current income level matters. ✅ Why you should review 401(k) and HSA contributions before December 31, understand RMD requirements, and consider qualified charitable distributions if you are eligible. ✅ How donor-advised funds, beneficiary reviews, insurance reviews, and early communication with your tax preparer can help you prepare for the year ahead. 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 September and October are the time to start year-end financial planning 04:06 Roth conversions and tax-loss harvesting as year-end tax strategies 09:05 Maximizing 401(k) contributions and making the most of your HSA 14:55 Qualified charitable distributions and donor-advised funds 17:36 Reviewing beneficiaries, trusts, insurance, and other financial housekeeping 20:15 Why you should engage your tax preparer before the new year KEY TAKEAWAYS: 💎 Don’t wait until December to start your year-end financial checklist. Reviewing your income, taxes, retirement contributions, and financial changes earlier gives you more time to act before deadlines and processing cutoffs. 💎 A Roth conversion may be worth evaluating during a lower-income year, while tax-loss harvesting can help offset income or capital gains in taxable investment accounts. 💎 Retirement accounts, HSAs, RMDs, charitable giving, beneficiaries, trusts, and insurance policies all deserve a year-end review to make sure your financial plan still reflects your current situation. 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
22 MIN
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