Join us as we delve into effective methods for managing unexpected inflows of money, whether from bonuses, inheritances, or insurance settlements. Austyn’s insights will help you gain confidence in your financial future and make informed decisions.

• The 50/50 rule: Balancing enjoyment and future planning
• Building and topping off your emergency fund
• Paying down high-interest debt and credit cards
• Strategies for managing tax implications from unexpected cash
• Investing in retirement accounts and long-term growth options
• Paying down your mortgage and understanding the impact
• Incorporating charitable donations for personal and tax benefits

Discover how these approaches can provide peace of mind and financial security, while also allowing for some immediate enjoyment. Learn how to structure your financial plan to accommodate windfalls and prepare for the unexpected with Austyn’s expert guidance.

• Gaining a clear framework for managing unexpected money
• Understanding the tax implications and strategic responses
• Achieving a balanced approach to spending and saving
• Exploring investment options that align with your goals
• Enhancing your overall financial well-being

Engage with us by asking questions or sharing your thoughts! Contact us through our website at whittenburgwealth.com or text us at (801) 839-7056. Don’t forget to like and subscribe to the Wealth of Insight podcast and share it with your friends and family.

Tune in to this episode for valuable insights that will help you navigate the complexities of unexpected financial gains and take meaningful steps toward a secure and prosperous future.

Key Points Covered in this Episode:

– Understanding the concept of a family financial summit and its importance.

– Exploring inheritance and wealth distribution strategies. Discussing estate planning details, including wills, trusts, and decision-making authority.

– Navigating the complexities of business succession planning within family-owned businesses.

– Addressing the balance between equal distribution and fairness in inheritances.

– Managing investments, risk tolerance, and supporting family goals. Exploring insurance needs, including life insurance, long-term care, and tax implications.

– Understanding tax considerations and charitable planning to minimize tax burdens.

– Preparing younger generations through financial education and planning.

If you’re intrigued by the idea of a family financial summit or have questions about implementing one for your family, reach out to Austyn Whittenburg at Whittenburg Wealth Partners. Visit our website at www.whittenburgwealth.com or call/text Austyn directly at 801-839-7056. Don’t forget to share this episode with family and friends, and subscribe to the Wealth of Insight podcast for more valuable discussions on financial planning and wealth management.

In this episode, Austyn sheds light on the multifaceted role of financial advisors and uncovers the often-overlooked areas where they add substantial value to your financial journey.

Here’s what you can expect to learn:

• Personalized Financial Planning: Explore how experienced advisors tailor plans to fit your unique goals, risk tolerance, retirement plans, estate planning, and tax strategies.
• Behavioral Coaching: Discover the art of managing client behavior, avoiding rash decisions during market volatility, and staying true to your long-term financial plan.
• Tax Efficiency: Learn about asset allocation strategies, investment placement, and tax-efficient investment vehicles that seek to minimize taxes and maximize returns.
• Implementation Excellence: Understand the importance of timely plan implementation, fee management, and estate planning for wealth transfer efficiency.

Join us as we uncover the substantial value beyond mere investment management that financial advisors can bring to your financial journey. Gain insights, actionable strategies, and a deeper understanding of how personalized financial guidance can empower you to pursue your financial goals.

Have questions or insights to share? Connect with Austyn at Whittenburg Wealth Partners to explore further. Don’t forget to subscribe and share the Wealth of Insight podcast with your friends and family for more valuable financial wisdom.

Thank you for tuning in to Wealth of Insight, where we illuminate the path to financial empowerment and success.

In this episode of Wealth of Insight with Austyn Whittenburg, we delve into the crucial milestones leading up to retirement and how you can navigate them strategically to enhance your financial well-being. Join Austyn as he shares experienced insights and practical advice on optimizing your retirement planning journey.

Key Points Discussed:

 Understanding catch-up contributions and their benefits starting at age 50.

 Exploring the Rule of 55 and how it impacts accessing retirement funds.

 Discussing the significance of age 59 and a half in relation to penalty-free withdrawals.

 Analyzing the implications of starting Social Security benefits at age 62 versus waiting until full retirement age.

 Exploring the complexities of Medicare eligibility and planning for healthcare expenses.

 Highlighting the impact of delaying Social Security benefits until age 70 and the considerations involved.

 Understanding required minimum distributions (RMDs) and strategies to manage tax implications effectively. Benefits for Listeners:

 Gain clarity on important retirement milestones and how they affect your financial plans.

 Learn practical strategies to maximize retirement savings and minimize tax burdens.

 Receive professional guidance on making informed decisions about Social Security, Medicare, and RMDs.

 Empower yourself to design a retirement plan that aligns with your long-term financial goals.

Engagement and Contact Information:

Have questions or want to learn more? Visit our website at www.whittenburgwealth.com or text Austyn directly at 801-839-7056. Share this episode with your friends and family to help them optimize their retirement planning.

Don’t forget to subscribe for future episodes packed with valuable insights and advice.

Thank you for tuning in to the Wealth of Insight Podcast!

In this episode, we’ll explore:

• Understanding the fundamentals of a Roth IRA and its unique tax advantages
• The concept and benefits of the Backdoor Roth IRA strategy for high-income earners
• Step-by-step guidance on implementing the Backdoor Roth IRA in your financial plan
• Navigating the tax implications and consulting with professionals for optimal results
• Real-life examples and hypothetical scenarios illustrating the power of tax-deferred growth

Join Austyn as he shares invaluable insights and practical advice to help you harness the full potential of the Backdoor Roth IRA and take control of your financial destiny.

Ready to unlock the keys to tax-efficient wealth building? Tune in to this episode of Wealth of Insight and embark on a journey towards financial empowerment.

We’d love to hear your thoughts and questions about the Backdoor Roth IRA strategy! Connect with us on our website at www.wittenburgwealth.com or text Austyn directly at 801-839-7056. Don’t forget to subscribe and share this episode with your friends and family to spread the knowledge.

Thank you for tuning in to Wealth of Insight. Remember, your financial future starts now!

In this episode, Austyn covers:

• The Market’s Impartial Stance: Explore how the market reacts to uncertainty and why it remains impartial to political affiliations.
• Election Year Volatility: Understand the historical trends in the first five months of election years, and how the market tends to stabilize as election season progresses.
• Long-Term Focus: Discover why keeping politics out of investing is crucial for long-term success, and how emotional decisions can be detrimental to your financial goals.
• Historical Performance: Delve into the historical performance of the market under different political administrations, highlighting that markets have seen positive returns in most election years.
• Diversification Strategies: Austin emphasizes the importance of diversification in a long-term investment strategy and how it can help navigate market volatility.
• Practical Insights: Gain practical advice on how to build portfolios that anticipate volatility and market changes, rather than reacting impulsively.

Join Austyn as he brings a wealth of insight into separating political noise from sound investment decisions. Don’t let the uncertainty of politics dictate your financial future – empower yourself with knowledge and make informed choices.

Have questions or want to share your thoughts? Reach out to Austyn at Whittenburg Wealth Partners’ website or text him at 801-839-7056. Subscribe and share the Wealth of Insight podcast with your friends and family for more valuable financial wisdom. Remember, your financial journey starts with informed decisions.

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Let’s talk about our anticipations for 2024 and what we’re keeping our eyes on.

Austyn Whittenburg goes over the economic forecast for 2024. He tackles the question of an impending recession and provides insights into stock and bond market trends, all while considering the influence of global events.

Austyn discusses:

• The economic outlook for 2024
• What he anticipates the potential recession will look like
• Stock and Bond market trends 
• Considerations around geopolitical factors
• And more

Resources:

• A Financial Forecast for 2023 (Ep.24)
• Exploring Creative Strategies to Demolish Your Debt (Ep.36)

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

Government bonds and Treasury bills are guaranteed by the US government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Let’s discuss the difference between inflation rates and prices affected by inflation while highlighting a possible silver lining of the situation!

This week, Austyn Whittenburg discusses the impact of inflation on personal finances and the new tax brackets for 2024. He clarifies misconceptions around inflation and prices, explaining that while inflation may decrease, prices are still increasing. 

Additionally, he discusses the many new opportunities 2024 has to offer to minimize your tax burden as much as possible and how to start taking advantage of them!

Austyn discusses:

• One of the most common misconceptions about inflation and how it is “decreasing”
• The Silver Lining: New Tax Brackets for 2024
• Incoming changes in capital gains tax rates, estate tax, and gifting rules
• Increased contribution limits for 401K and IRA accounts
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenberg discusses the income thresholds for being in the top 10% and top 1% of earners in the United States. He highlights the impact of education on income, stating that college graduates earn significantly more than those with only a high school degree. 

Austyn also discusses the relativity of wealth based on location and lifestyle. This episode aims to enlighten you about the relevance of a college degree in increasing income and achieving higher income levels. 

Austyn discusses:

• A deeper analysis of the impact of education on income levels
• The different income thresholds in the United States as of 2023
• The relativity of wealth & why income levels feel different depending on where you live
• The American Dream: What does it take to achieve this in the modern day?
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Let’s find out.

In this episode, Austyn Whittenburg discusses wealth accumulation trends and the net worth of different population percentiles. 

Using Federal Reserve data, Austyn highlights the rise in home values and car prices, and the impact of education on net worth. He also discusses the influence of different levels of education in you and your family’s financial planning processes. 

Austyn discusses:

• The impact of education on American’s net worth
• Key findings from the Federal Reserve about the American wealth divide
• The difference between median and mean net worth + how this difference can create misleading headlines
• Various statistics surrounding the different income classes of America
• And more

Resources: 

https://www.federalreserve.gov/publications/files/scf23.pdf

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

While athletes sprint on the field, there’s another game being played off the field – one of billions.

Venture beyond the scoreboard as Austyn Whittenburg unravels the sophisticated dance of dollars behind every touchdown and tackle in the NFL, along with the staggering influence of sports on global economies and our everyday lives. Prepare to challenge what you thought you knew about sports economics.

Throughout the episode, Austin covers:

• Why the NFL is still the undisputed champion of TV broadcasts 
• How the NFL’s strict salary cap stands against the unrestricted dynamics of European soccer
• Why titans like ESPN and Amazon are betting big bucks on sports broadcasts
• How cities like Las Vegas score big with NFL betting
• And more!

Resources: 

• Joe Pompliano

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

All companies, organizations, and teams mentioned are not affiliated with or endorsed by Whittenburg Wealth Partners or LPL Financial.

Let’s find out what these options in your compensation plan have to offer you!

In this episode, Austyn Whittenberg discusses the benefits, taxation, and considerations of employee stock options and restricted stock. He explains key terms related to stock options and highlights the increasing prevalence of these options in companies, particularly in the technology sector. 

Austyn also discusses the taxation of non-qualified stock options and incentive stock options, as well as the risks associated with exercising stock options and making elections related to restricted stock. 

Austyn discusses:

• Stock options vocabulary: Grant date, vesting date, exercise price, expiration date
• How your stock options will be taxed 
• How to decide whether stock options as part of your compensations makes sense for you
• Qualified, incentive, and restricted stock options: What are they? What’s the difference between them?
• And more

Resources: 

• Wealth Of Insight: Ready to school your student loans? 

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services.

You’re not alone.

Join Austyn Whittenburg of Whittenburg Wealth Partners as he dives deep into the complicated world of student loans in the United States. From discussing the COVID-19 pause on repayments to the latest Supreme Court rulings, Austyn breaks down what you need to know to make informed decisions about your student loan debt.

In this can’t-miss episode, Austyn grapples with:

• How the staggering $1.77 trillion in student loan debt impacts YOU
• What you need to know about repayment options to maximize your advantage
• What is the SAFE plan and why should you care?
• Can the one-year “On-Ramp” period actually salvage your credit score?
• And more!

Resources: 

• SAVE Repayment Plan
• Student Loan Repayment Options
• Income-Driven Repayment Plans

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Today, we’re answering the questions you’re too afraid to ask about bonds.

In this episode, host Austyn Whittenberg discusses different types of bonds and bond terms. He explains that bonds are issued by companies or governments to raise money, and investors lend money and receive interest payments in return. 

He then categorizes bonds into investment grade and high yield, and also discusses municipal bonds and US Treasuries. They emphasize the importance of understanding bond yield and how it affects the potential return on investment. 

Austyn discusses:

• The difference between municipal bonds and US treasuries
• Various terms used when discussing bonds and what they mean
• The importance of bond yield: What it is & how to read it for your investing advantage
• The yield curve and its implications: What the different curves mean for the state of the economy
• And more

Resources: 

• Questions You’re Afraid To Ask: Stocks, Bonds, ETFs, and Beyond! (Ep.38)

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenberg discusses the difference between stocks and bonds. Austyn also emphasizes the importance of diversification and having a combination of both stocks and bonds in investment portfolios. 

He also delves into the difference between actively managed and passively managed funds, mutual funds and exchange-traded funds (ETFs), and highlights the benefits of each.

Austyn discusses:

• The pros and cons of stocks and bonds (+ how to find out which one is best for your needs!)
• What it means when an advisor says they are passively vs. actively managing investments and which one you should ask for in your next advising session
• Getting the most bang for your buck!–Everything you need to know about ETFs
• And more

Resources: 

• The Passive or Active Management Debate (Ep.30)

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn focuses on three major investment options and explores what questions clients often don’t think about when it comes to the Dow, S&P 500 and NASDAQ. He dives into how each index has unique characteristics and serves different purposes within investment plans.

Austyn discusses:

• Why clients should learn about the Dow, S&P 500 and NASDAQ
• How each index fund is calculated as an investment asset
• What are the differences between the three index funds and how do those differences impact investment portfolios 
• Why the media focuses on Dow over the S&P 500s consistent performance
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode of the Wealth of Insight podcast, Austyn Whittenberg tackles the pressing issue of American debt. He shares valuable strategies for managing and reducing debt. From budgeting to the 50-30-20 rule, they provide practical tips to regain control of your finances. 

They also discuss the importance of paying more than the minimum on credit cards and utilizing the debt snowball method. Don’t let debt hold you back any longer – tune in to this episode for expert advice and take the first step towards financial freedom.

Austyn discusses:

• Recent statistics about American debt–finding out where you stand in the statistics
• The first steps you can take to get out of significant credit card debt (getting back on track to achieving your financial objectives!)
• What order to pay off your debt in including: student loans, credit card debt, mortgages and more
• How to use the strategy of the “debt snowball” and how it’s already helped people in your situation
• And more

Resources: 

• Spending with Purpose: Aligning Your Values and Financial Goals (Ep.35)

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenburg dives into the phenomenon of spending guilt, unraveling its underlying causes and exploring practical strategies to overcome it. Join him as he uncovers the secrets to finding financial balance, transforming negative money mindsets, and embracing a guilt-free approach to spending. 

Get ready to liberate yourself from the shackles of guilt and reclaim your joy in managing your finances.

Austyn discusses:

• Lifestyle creep: what it is and how it can become a danger to your financial goals
• The importance of finding a balance in your finances
• The 50/50 rule: what it is and how to use it
• What some of the sources of spending guilt are and how to combat against them
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenburg shares seven of the most common mistakes he sees people making in their financial planning. He explains each mistake and what you can do to avoid making them.

Austyn discusses:

• How the retirement stage in our life cycle has evolved as life expectancy climbs
• The ways fraud and scams have changed since the emergence of AI
•  Why portfolio diversification can have a massive impact on your results
• The importance of starting your financial plan as soon as possible
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenburg explores the best places to park your money, both for the short and long term, so you can earn better returns and minimize the impact of inflation on your purchasing power.

Join Austyn in an insightful discussion covering important financial topics:

• Discover why now is an ideal time to prioritize saving
• The pros and cons of high-yield savings accounts, CDs, money market mutual funds, and treasuries
• Learn about a strategic approach to safeguarding emergency funds within your bank account
• Understand the significance of regularly monitoring interest rate fluctuations
• And much more!

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn welcomes Rick Gallacher, CFP®, CPA/PFS back onto the podcast to talk about five key financial principles that your kids should know. From interest to taxes, Austyn and Rick use real examples so you can teach your kids everything they need to know about money.

Austyn and Rick discuss:

• Albert Einstein’s Eighth Wonder of the World.
• How taxes can affect your investments.
• The difference between investing and gambling.
• A dollar today is worth less than a dollar tomorrow.
• And more!

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Rick Gallacher:

• LinkedIn: Rick Gallacher
• rick@whittenburgwealth.com

About our guest:

Rick has experience in the areas of financial modeling, asset allocation, investment selection, estate planning, personal risk management, holistic situation auditing, and personal financial reporting. As a licensed CPA, he has proficiency in understanding and applying analysis to the overall economy, capital markets, corporate fundamentals, personal taxation, and essential business law.

Rick is a highly organized, analytical, and detail-oriented individual. Through professional and personal experience, he has learned that complete and accurate data is important to make appropriate decisions. He follows this concept: theorizing before one has data inevitably causes one to twist facts to suit theories instead of theories to suit facts.

Rick, his wife Kate, and their daughters Remi and Addi live in Sandy, Utah, and love to travel. They have jokingly been told that their residence is more of a vacation home because it seems they are rarely there. Between them, Rick and Kate have traveled to 36 countries. Rick enjoys golfing, skiing, soccer, jet skiing, and being in the mountains. He’s been skydiving three times and has not broken a bone! Any time spent with family is time well spent for him.

In this episode, Austyn Whittenburg eases your mind about money by explaining the different scenarios we could face in the future. He addresses the recent events that could have an impact on the dollar and explains why there is no reason for immediate concern.

Austyn discusses:

• The history of money – how it started and where it’s going.
• America’s lead in the competition for “best” currency.
• The two currencies that pose the biggest threat to the US dollar.
• Why you won’t have to start a food reserve quite yet.
• And more!

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

But fear not, in this podcast episode, Austyn Whittenburg dives deep into this polarizing debate in the financial industry, exploring the pros and cons of each strategy, and even how to get the best of both worlds!

In this episode, Austyn covers a range of important topics such as:

• The heated debate between passive and active management, and the factors that contribute to this debate
• How to determine which investing strategy is better suited for your goals
• The differences between active and passive managers, and which type of manager is right for you
• The history of these investing strategies and the key factors that have influenced their evolution over the years
• And much more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services.  The Russell 3000 Growth Index is an unmanaged index comprised of those Russell 3000 companies with higher price-to-book ratios and higher forecasted growth values. The Russell 3000 Value Index measures the performance of those Russell 3000 companies with lower price-to-book ratios and lower forecasted growth values. Socially Responsible Investing (SRI) / Environmental Social Governance (ESG) / Biblically Responsible Investing (BRI) investing / Faith Driven Investing (FRI) has certain risks based on the fact that the criteria excludes securities of certain issuers for non-financial reasons and, therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.

Look no further…

In this episode, Austyn Whittenburg explores the various ways you can save money on your taxes. From tax deductions and credits to retirement accounts and charitable contributions, Austyn provides practical tips and insights on how to reduce your taxes and maximize your savings.

Austyn discusses:

• Changes that you can expect to see in your taxes over the next few years 
• The good news about the current state of inflation
• How your tax credits might change coming out of the pandemic
• Tax deductibles that you may not know about that could save you money
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

While Medicare is an essential program providing healthcare coverage to seniors, it’s important to be aware of its limitations.

During this episode, David will cover the various parts of Medicare, including A, B, C, and D, and provide valuable information on supplementing your healthcare and dental expenses coverage. Gain a better understanding of what is and isn’t covered under Medicare, and learn how to optimize your Medicare Supplement plan.

David discusses:

• An overview of Medicare Parts A and B
• Understanding Medicare Coverage: Inclusions and Limitations
• Strategies to enhance the Medicare supplement plan benefits
• Addressing dental costs beyond Medicare and the alternatives to consider
• Additional insights on Medicare optimization
• And more

Resources: 

• Retirement Health Solutions 

Connect with David:

• david@retirementhealthsolutions.com
• 801-477-7443

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenburg is joined by Troy Heidenreich, Mortgage Loan Originator at CrossCountry Mortgage, LLC. They talk about credits, how to build a good credit history, and the importance of building credit at an early age. Additionally, they debunk common credit score myths.

Austyn and Troy discuss:

• How Troy got into the mortgage industry, and how his team at Cross Country Mortgage helps clients pursue their financial and real estate goals
• What credit is, basic tips on building credit, and creating a good credit history for future loans
• Credit score ranges (what is considered poor, good, and perfect), and how many years does it take to have accurate information about your credit history 
• The factors that go into calculating credit scores
• Tips for fixing or improving your credit situation and the importance of getting a “deletion letter”
• The myth that pulling credit for a mortgage application will hurt your credit score
• The importance of using a credit monitoring service to avoid identity theft 
• And more!

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Troy Heidenreich:

• (801) 694 1733
• LinkedIn: Troy Heidenreich
• CrossCountry Mortgage 

Troy Heindenreich and CrossCountry Mortgage are not affiliated with or endorsed by Whittenburg Wealth Partners or LPL Financial. 

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. 

 No strategy assures success or protects against loss.

In this episode, Austyn Whittenburg covers the most common mistakes people make when financial planning and how to avoid them.

Austyn discusses:

• Living beyond your means
• Not taking advantage of employers’ 401k matching
• Being uninsured on life insurance
• The worry of not having an estate plan
• The mistake of trying to time the market
• And more

Resources: 

• Here is why your savings rate is more important than your investments’ returns By Anora Mahmudova 
• Does Market Timing Work? By Schwab Center for Financial Research
• When should you start saving for retirement?

Connect With Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Whittenburg Wealth Partners and LPL Financial do not offer legal advice or services. This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance specialist. Dollar-cost averaging involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

In this episode, Austyn Whittenburg talks with Rick Gallacher to discuss a high level overview of the Secure Act 2.0.

Rick discusses:

• The changes to RMD’s
• The impact to the QCD
• You can now use Roth in a SEP
• A list of what can happen in your life that will allow you to still access your retirement funds
• Start up credits for small business owners
• How the new provision works called ESA
• And more

Resources:

• The Basics of Social Security (Ep.20)

Connect With Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect With Rick Gallacher:

• 801.839.7057
• rick@whittenburgwealth.com 
• LinkedIn: Rick Gallacher

About Our Guest:

Serving as both Financial Planning Director and Private Wealth Advisor, Rick has experience in the areas of financial modeling, asset allocation, investment selection, estate planning, personal risk management, holistic situation auditing and personal financial reporting. As a licensed CPA, he has proficiency in understanding and applying analysis to the overall economy, capital markets, corporate fundamentals, personal taxation and essential business law.

Rick is a highly organized, analytical, and detail-oriented individual. He has learned through professional and personal experience that complete and accurate data is important to make appropriate decisions. He follows this concept: theorizing before one has data inevitably causes one to twist facts to suit theories instead of theories to suit fact.

But wouldn’t it be helpful to have a crystal ball that would tell you exactly what to expect in the new year?

In this episode, Austyn Whittenburg answers some of the common questions his clients are asking at this time of year and shares a 2023 outlook as it relates to the economy stock market.

Austyn discusses:

• If the economy is headed in the direction of a recession
• Why the rising interest rates are contributing to the slowing of the economy
• The worst year for bonds and why a recovery is expected in the new year
• And more

Connect With Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenburg speaks with Nikko Denis, branch manager at Intercap Lending, on the alternative implications of inflation. Nikko reveals how inflation has forced real estate sellers to compromise, why housing prices still haven’t dropped and what those concessions mean for the future real estate market.

Nikko discusses:

• Where the real estate market currently sits due to inflation
• How inflation impacts real estate pricing and mortgage rates
• Why the current market remains a sellers market over a buyers market
• The connection between rising inflation and unemployment numbers
• And more

Connect With Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect With Nikko Denis:

• Nikko Denis
• Intercap Lending

About Our Guest:

At Intercap Lending, Nikko Denis is backed by in-house processing, underwriting and closing to guarantee a smooth and timely transaction. He works with first time home buyers all the way up to multi-million dollar clients and everything in between. Every client has different needs and in an ever changing market it’s difficult to know all of your options. Nikko prides himself in taking his client’s interest to heart and showing them all possible options for their situation now, and in the future.

In this episode, Austyn Whittenburg discusses one of the most common questions he’s starting to receive from his prospective clients, “are we fiduciaries?” He explains what a fiduciary is, differentiates between the fiduciary standard and suitability standard, and shares how to find out if a financial professional is a fiduciary.

Austyn discusses:

• What a fiduciary is
• Who is held to a fiduciary standard
• The difference between the fiduciary standard and suitability standards
• How the fiduciary standard applies to his practice
• The easiest way to know if a financial professional is a fiduciary
• And more

Resources: 

• National Association of Personal Financial Advisors (NAPFA)

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenburg talks with Rick Gallacher, CFP®, to talk about a range of different long term care options, the benefits of the services, and when you need them.

Rick discusses:

• How to get benefits from long term care insurance
• The different ways these policies get set up
• How tough it can be for informal caregivers
• The average costs of assisted living facilities versus at home care
• And more

Connect With Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth
• https://www.whittenburgwealth.com/ltc-pod

Connect With Rick Gallacher:

• (801) 839-7057
• rick@whittenburgwealth.com
• LinkedIn: Rick Gallacher

About Our Guest:

Rick Gallacher has experience in the areas of financial modeling, asset allocation, investment selection, estate planning, personal risk management, holistic situation auditing and personal financial reporting. As a licensed CPA, he has proficiency in understanding and applying analysis to the overall economy, capital markets, corporate fundamentals, personal taxation and essential business law.

This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.

Riders are additional guarantee options that are available to an annuity or life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing.

In this episode, Austyn Whittenburg, discusses the basics of Social Security to help you get a clear understanding of what it is and how it gets calculated.

Austyn discusses:

• Why Social Security is known as a broad reaching program
• How Social Security gets funded
• How to calculate the amount of Social Security you will receive
• Who is eligible to receive a Social Security benefit
• How to maximize your Social Security benefit
• And more

Resources:

• ssa.gov

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenburg discusses how his firm approaches periods of extended volatility and how he helps clients survive the bear market. He also explains some of the sound investment principles and why you should maintain a long term investing perspective.

Austyn discusses:

• Why there is no such thing as short-term investing
• What a bear market is––and how long they typically last
• How critical it is to stay invested so that you’re not missing those best days
• Taking advantage of the times when people are fearful in the market
• And more

Connect With Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

https://www.whittenburgwealth.com/navigating-volatility

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.  All performance referenced is historical and is no guarantee of future results.  All indices are unmanaged and may not be invested in to directly.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification and asset allocation do not protect against market risk.

In this episode, Austyn Whittenburg talks with Jon Fuller, a health, wellness and personal development coach at Health Revolution. With these new healthy habits, you can still enjoy your favorite foods and have fun over the holidays.

Jon discusses:

• Healthy new habits you can gain
• Why new year resolutions always fail
• How to stay healthier during the holidays
• The best way to enjoy candy for Halloween
• And more

Connect With Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect With Jon Fuller:

• 1 (801) 836-6844
• Health Revolution​​
• Facebook: Health Revolution 
• Instagram: HealthyJonny

Jon Fuller and Health Revolution are not associated with or endorsed by Whittenburg Wealth Partners and LPL Financial.

About Our Guest:

Jon Fuller is a certified health and wellness coach that loves helping people create an optimal life. Healthy body, mind, and finances.

In this episode, Austyn Whittenburg talks with Sam Hoole, a private client advisor at Diversified Insurance An IMA Inc. Company. He will talk about all things, property and casualty insurance, the different types of insurance people should have and how you should be thinking about this as the values have been changing recently.

Sam discusses:

• Does inflation affect your insurance coverage
• The new wave of cyber insurance
• What you should expect from your insurance agent
• If umbrella insurance is worth it
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Sam Hoole:

• LinkedIn: Same Hoole
• Sam.hoole@diversifiedinsurance.com
• Diversifiedinsurance.com

About Our Guest:

Sam Hoole provides Personal Insurance for successful individuals and families/high net-worth: home, auto, umbrella, valuable collections, and watercraft.

As a Private Client Advisor, he helps provide adequate insurance protection by creating a personal risk management strategy for successful individuals and families through quality insurance companies. He performs custom Personal Insurance Reviews for your homes, rental properties, autos/antique cars, recreational vehicles, watercraft – yachts/boats, fine arts, jewelry, aircraft, and personal umbrella. 

Sam Hoole and Diversified Insurance are not affiliated with or endorsed by Whittenburg Wealth Partners or LPL Financial.

This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. It may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. For information about specific insurance needs or situations, contact your insurance agent. 

Any company names noted herein are for illustrative purposes only and not a solicitation of their products or services.

In this episode, Austyn Whittenburg talks with Rick Gallacher, CFP®, to discuss how you can start helping your kids save money for college with a college savings plan. When used right, you are able to use the money tax free on almost everything school related.

Rick discusses:

• Options for paying for college
• What you can use 529 funds for
• How the family legacy pyramid works
• Pros and cons of college savings plans
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Rick Gallacher:

• (801) 839-7057
• rick@whittenburgwealth.com
• LinkedIn: Rick Gallacher

About Our Guest:

Rick Gallacher has experience in the areas of financial modeling, asset allocation, investment selection, estate planning, personal risk management, holistic situation auditing and personal financial reporting. As a licensed CPA, he has proficiency in understanding and applying analysis to the overall economy, capital markets, corporate fundamentals, personal taxation and essential business law.

Prior to investing in 529 Plan investors should consider whether the investor’s or designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

Austyn Whittenburg, Rick Gallacher, Whittenburg Wealth Partners, and LPL Financial do not offer tax advice or services.

Everyone should have an estate plan.

In this episode, Austyn Whittenburg talks with Eric Whiting, an estate planning lawyer. Planning your trust should be a priority for you to ensure your children and family can be taken care of incase something unexpected happens to you. There are also some other important documents he talks about, such as why having a power of attorney is in your best interest.

Eric discusses:

• The big difference between a will and an estate plan
• All the documents you need to help ease the pressure off of your family if anything happens to you
• How often you should review your will and estate plan
• Why everyone should have a trust
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Eric Whiting:

• LinkedIn: Eric Whiting

Eric Whiting and York Howell & Guymon are not affiliated with or endorsed by Whittenburg Wealth Partners or LPL Financial. Whittenburg Wealth Partners and LPL Financial do not offer legal advice or services.

About Our Guest:

Eric B. Whiting is an attorney with the Salt Lake City law firm of York Howell & Guymon. Eric’s practice is focused on estate planning, tax, business planning, and nonprofit entities. Eric also assists clients of large and small estates with all aspects of estate administration and probate. Eric assists business clients with entity selection, structuring, formation, and planning. He also represents clients before the IRS. Eric is currently an active member of the Utah State Bar, Idaho State Bar, Washington State Bar and most recently Wyoming State Bar. He is also admitted before the U.S. Tax Court, the U.S. Court of Appeals for the Ninth Circuit and the U.S. District Court for the Eastern District of Washington. Eric earned his Bachelor’s Degree in Economics and Law & Constitutional Studies at Utah State University, his Juris Doctor at Gonzaga University School of Law and his LL.M. in Taxation at Georgetown University Law Center. When not in the office, Eric loves spending time outside with his wife and three daughters. He enjoys mountain biking, rock climbing, skiing and snowboarding.

In this episode, Austyn Whittenburg talks with Jeffrey Gross, director at Apollo Global Management, Inc., about the private real estate industry. With inflation going up, private real estate investing could be a fit within your retirement income stream. 

Jeffrey discusses:

• Why a client could consider real estate as part of their portfolio
• The different categories of real estate investing
• Tax benefits from real estate investment income
• The rising interest rate environment
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Jeffrey Gross:

• LinkedIn: Jeffrey Gross
• Apollo Global Management, Inc

Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of will be attained. You should consider the investment objectives, risks, charges and expenses of REITs carefully before investing.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. 

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

About Jeffrey Gross:

Jeffrey Gross is an experienced Director specializing in Alternative Investments with a demonstrated history of working in the financial services industry. Skilled in Capital Raising, Financial Structuring, Real Estate Development, and Real Estate Transactions. Over the last 20 years of capital markets experience have raised more than $3 billion invested in the alternative investment sector including private real estate, private credit, 1031’s, non-traded REIT’s, Closed End Interval Funds and Qualified Opportunity Zone Funds. Maintain strong leadership and interpersonal skills while building long lasting, trusted relationships in the RIA/Family Office/Wire House and Broker Dealer channels. Bachelor of Science (B.S.) focused in Chemical Engineering from Worcester Polytechnic Institute.

Jeff Gross, Apollo Global Management, are not affiliated with or endorsed by Whittenburg Wealth Partners and LPL Financial.

In this episode, Austyn Whittenburg talks with Eric Motzkus, CRPC, a financial advisor with Allianz Life Financial Services explains the basics about annuities, and how they fit into your comprehensive financial plan.

Eric discusses:

• Why people buy annuities
• Two types of annuities and the differences between them
• How you can protect some of your annuity gains
• Who is the right fit for annuities
• And more

Connect With Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect With Eric Motzkus:

• Allianz Life Financial Services

Eric Motzkus and Allianz Life Financial Services are not affiliated with or endorsed by Whittenburg Wealth Partners or LPL Financial.

Variable annuities are long term, tax-deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. They have fees and charges, including mortality and expense risk charges, administrative fees, and contract fees.   They are sold only by prospectus. Guarantees are based on the claims paying ability of the issuer. Withdrawals made prior to age 59 ½ are subject to 10% IRS penalty tax and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor’s unit, when redeemed, may be worth more or less than their original value.

Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Withdrawals prior to 59 ½ may result in an IRS penalty, and surrender charges may apply. Guarantees are based on the claims-paying ability of the issuing insurance company.

In this episode, Austyn Whittenburg gives you a midyear outlook and what to expect the next six months to look like as it relates to the stock market and the economy.

Austyn discusses:

• The forecast for the next six months relating to the economy and stocks
• New opportunities with the current markets
• How midterm elections can affect the stock market 
• Is a recession really happening
• And more

Resources:

• https://www.whittenburgwealth.com/2022-mid-year-outlook

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Publishing Tags: 

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies mentioned will be successful.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

In this episode of Wealth of Insight, Colleen Bowler, co-founder of C&J Innovations and the developer of a passport package tool, talks with Austyn Whittenburg. They detail the importance of creating value ​​for clients to build stronger relationships.

Colleen discusses:

• The fundamental mindsets to know more about your clients’ life
• Why only talking about investments can be unfavorable
• How passports reveal uncovered opportunities for clients
• How crucial it is to understand your client’s fears
• And more

Resources: 

• Walkaway Passport
• Expansion Passport

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Colleen Bowler:

• C&J Innovations
• LinkedIn: Colleen Bowler

About Our Guest:

As Certified Financial Planner, Colleen Bowler spent over 25 years building and growing her firm, Strategic Wealth Partners, into a premier Texas financial planning firm with hundreds of individuals and families “under our care.” Along the way, she received many industry awards and was featured in the book, Women at the Top by Arthea Reed and Diane Dixon. In addition, Colleen has served as a coach with the Strategic Coach Program since 2003, all while raising a son as a single mom, co-authoring a book, Generous Kids, and making time for her blended and extended family, friends, and a variety of non-profits.

In 2020, Colleen founded C&J Innovations with Jeanne Hurlbert, PhD, who brings expertise in assessments and surveys. Colleen and Jeanne combined their unique expertise to create a female-led company that gives financial professionals tools to bring increased value for prospects, clients, and advisors by expanding client and prospect conversations.

Colleen Bowler, Strategic Wealth Partners, and C&J Innovations are not affiliated with or endorsed by Whittenburg Wealth Management and LPL Financial.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.

In this episode, Austyn Whittenburg explains what questions he thinks you should be asking your financial advisor. He also highlights why it is important to understand the value they are bringing with their advice to have a successful relationship with your advisor.

Austyn discusses:

• The best questions to ask to get to know your financial advisor
• Why it is important to know your financial advisor
• What a financial advisor looks for in you
• Why you can end up leaving your advisors for a new one
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this episode, Austyn Whittenburg talks with Scott Tallman, vice president at Belle Haven Investments. He shares how he is helping position people in the bond market and how the bond ladder impacts decision-making for bidding directly on bonds.

Scott discusses:

• Two different ways to own a bond when investing
• How he makes decisions on behalf of clients
• How a bond ladder works
• Where bonds have the potential to shine
• And more

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Scott Tallman:

• LinkedIn: Scott Tallman

About Our Guest:

Scott Tallman is the vice president at Belle Haven Investments, an independent, boutique fixed income manager. The firm specializes in building separately managed taxable and tax-exempt portfolios. Belle Haven has been managing portfolios since 2002. We are uniquely committed to serving consultants and advisors along with the institutions, foundations, family offices and high net worth individuals whom they represent. Our team’s expertise and focus in one asset class have resulted in award-winning strategies. Our goal is to provide an unrivaled level of service, reliability and customization to our advisors in building what we hope are partnerships for years to come.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as

interest rates rise and bonds are subject to availability and change in price. Bond yields are subject to change. Certain call or special redemption features may exist which could impact yield. Municipal bonds are subject to availability and change in price. They are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest income may be

subject to the alternative minimum tax. Municipal bonds are federally tax-free but other state and local taxes may apply. If sold prior to maturity, capital gains tax could apply. There is no assurance that these techniques are suitable for all investors or will yield positive outcomes. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Alpha measures the difference between a portfolio’s actual returns and its expected performance, given its level of risk as measured by Beta. A positive (negative) Alpha indicates the portfolio has performed better (worse) than its Beta would predict. Beta measures a portfolio’s volatility relative to its benchmark. A Beta greater than 1 suggests the portfolio has historically been more volatile than its benchmark. A Beta less than 1 suggest the portfolio has historically been less volatile than its benchmark.

With housing prices continuing to rise and the demand for houses growing even more, it may seem impossible to find the right time to purchase your first home.

In this episode, Austyn Whittenburg talks with Broch Lassig, from CrossCountry Mortgage, who has been ranked in the top 1% of loan officers in the country by Mortgage Executive Magazine. Broch shares some useful strategies that can help you get closer to buying your first home and explains why you shouldn’t wait for the housing market bubble to pop.

Broch discusses:

• If home prices are ever going to decrease
• The growing demand for housing
• The risks of purchasing a house compared to renting a house
• Strategies to help purchase your first home
• And more

Connect With Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect With Broch Lassig:

• (801) 713-4000
• broch.lassig@myccmortgage.com 
• LinkedIn: Broch Lassig
• Lassigteam.com 
• Cross Country Mortgage
• Facebook: Lassig Team

About Our Guest:

Mortgages are in his DNA. Broch Lassig was named to Housing Wire’s Rising Stars in 2018 and has been ranked in the top 1% of loan officers in the country by Mortgage Executive Magazine. He was fortunate to learn about home loans from his father, a mortgage industry veteran who taught him to be disciplined and efficient while providing a superior mortgage experience to my clients. He emphasizes communication, so you will never wonder what’s happening with your loan. When you do have questions, He is only a call or email away. 

—

Broch Lassig and CrossCountry Mortgage are not affiliated with or endorsed by Whitenburg Wealth Partners, Stratos Wealth Partners, or LPL Financial.

All performance referenced is historical and is no guarantee of future results. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Mortgage backed securities are subject to credit, default, prepayment, extension, market and interest rate risk.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

In this episode, Austyn Whittenburg talks with Chase Carter, the founder of Chase Carter Real Estate. Chase shares his expertise on how to make an offer that sets you apart from other buyer competition. He discusses tips and tricks on how to buy a house and provides a little update on the housing market.

Chase discusses:

• How he got into the real estate industry
• Why inventory on housing is staying so low
• Why it’s a great time to sell or upgrade your home
• How first time home buyers can navigate the market 
• And more

Resources:

• compoundadvisors.com 

Connect With Austyn Whittenberg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• Schedule A Meeting With Austyn
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect With Chase Carter:

• (801) 884-2577
• chase@ivieavenue.com
• Ivie Avenue Real Estate 
• LinkedIn: Chase Carter

About Our Guest:

Chase Carter has been in real estate for the past 5 years. He strives to give great customer service to every client he works with. When he isn’t selling homes, Chases loves to spend time with his wife Britt, and two daughters.

Chase Carter and Chase Carter Real Estate are not affiliated with or endorsed by Whittenburg Wealth Partners, Stratos Wealth Partners, or LPL Financial.

All performance referenced is historical and is no guarantee of future results.

In this episode, Austyn Whittenburg, CFP® talks with Rick Gallacher, CFP® financial planning director and private wealth advisor at Whittenburg Wealth Partners. They share insights on what it means to be a financial planner and how it has allowed them to make an impact on many people’s lives. Find out how they can help impact yours too. 

Rick discusses:

• People’s negative and positive relationships with money
• How much should you risk within your investment portfolio
• Special risk management resources used at Whittenburg Wealth for planning investments
• How to stay invested in the markets without making emotional decisions
• And more!

Resources: 

• LPL Financial

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Rick Gallacher:

• (801) 839-7057
• rick@whittenburgwealth.com
• LinkedIn: Rick Gallacher

About Our Guest:

Rick Gallacher has experience in the areas of financial modeling, asset allocation, investment selection, estate planning, personal risk management, holistic situation auditing and personal financial reporting. As a licensed CPA, he has proficiency in understanding and applying analysis to the overall economy, capital markets, corporate fundamentals, personal taxation and essential business law.

In this episode, Austyn Whittenburg talks about the full client experience, so that you can truly get a better understanding of how you can benefit from it. Whittenburg Wealth Partners uses a confidentiality agreement and top security measures, to be fully transparent and ensure the best possible service.

Austyn discusses:

• Why clients work with Whittenburg Wealth Partners
• Their confidentiality agreement process
• Why transparency is so important
• How Whittenburg Wealth Partners protects all your data
• And more!

Connect with Austyn Whittenberg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

In this inaugural episode, meet your host, Austyn Whittenburg, a wealth planner and partner with Whittenburg Wealth Partners, as he talks with special guest Dan Whittenburg. You will learn more about how they started operating a family-owned business in the industry of financial and wealth management located in Salt Lake City, Utah. Also, find out how Austyn helps his clients feel their best when working with his company.

Austyn discusses:

• How he got into the financial industry
• His team working at the firm
• Why their clients want to hire them
• How he helps his clients start planning
• And more!

Connect with Austyn Whittenburg:

• (801) 839-7056
• austyn@whittenburgwealth.com
• LinkedIn: Austyn Whittenburg 
• Whittenburg Wealth Partners
• Twitter: Whittenburg Wealth

Connect with Dan Whittenburg:

• LinkedIn: Dan Whittenburg

About Our Guest:

For the last 25 years, Dan Whittenburg has provided comprehensive full-service, advice-based wealth management and is dedicated to serving successful business owners, professionals and affluent families as they make wise decisions regarding their wealth. He works with a team of specialists to help his clients with the financial and emotional issues involved in estate planning, financial independence, business succession, investment planning, income tax reduction strategies and risk management.