Metcalf Money Moment the Podcast

Many people think wealth building is about a lucky break. Jeb, Ethan and Eric of Metcalf Money Moment the Podcast prove otherwise. In this episode, they unpack the financial habits that quietly separate millionaires from everyone else: early investing, tax diversification, estate planning, and treating money as a tool for freedom rather than status. Whether you earn six figures or are just starting, these strategies are not exclusive to the ultra-rich. They are disciplines anyone can adopt, starting today. Tune in for a conversation that could change how you think about money for good.What you will learn in this Episode:Why wealth-building habits like paying yourself first and early investing matter more than any lucky windfall, and how starting in your 20s, even with limited cash flow, creates dramatically different outcomes over decades.How tax diversification strategies such as Roth conversions, after-tax savings accounts, and smart asset allocation help high earners avoid unnecessary tax burdens and build long-term financial freedom.Why truly wealthy families maintain organized systems, surround themselves with a professional team including CPAs and attorneys, and regularly review their estate planning to protect and grow generational wealth.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 wealth-building habits and common careers of millionaires04:21 The role of early investing, discipline, and long-term investing in building real financial freedom06:01Tax diversification, Roth conversions, and saving outside your 401 (k) for smarter retirement planning09:06 How wealthy families approach asset allocation, diversification, and avoiding get-rich-quick traps13:14 Using money as a tool: experiences, philanthropy, estate planning, and generational wealth conversations and book recommendations17:12 Final thoughts on building wealthKEY TAKEAWAYS: Wealth building is not about hitting a lucky investment. The wealthiest families Jeb, Ethan and Eric work with built their net worth through decades of consistent saving, long-term investing and disciplined financial planning, not windfalls or market timing.Tax diversification is one of the most overlooked tools in wealth management. Balancing pre-tax, post-tax, and Roth accounts helps protect families from excessive tax burdens in retirement, especially when required minimum distributions come into play.Wealthy families do not just accumulate money. They use it with purpose, funding experiences, practicing philanthropy, teaching their children about money, and building generational wealth through intentional giving and strong estate 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 - LinkedInThe Richest Man in Babylon - BookDie With Zero - BookThe Millionaire Next Door - Book

The bull market officially hits its three-year milestone, marking a significant period of growth since October 2022. In this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric break down what bull markets and bear markets really mean for investors. They explore historical data showing that bull markets typically last 4.3 years with average gains of 150%, while bear markets last only 1.5 years. The team discusses investor psychology and common emotional pitfalls — such as fear, greed, and overconfidence — that threaten portfolio performance. Learn about average bull-market duration and returns, and discover why staying invested through market volatility is crucial to long-term investing success.What you will Learn in this Episode:The key differences between bull markets and bear markets, including how the S&P 500 moves through the cycle, with bull markets averaging 4.3 years and 150% gains versus bear markets lasting just 1.5 years with 35% declines.Why investor psychology and emotions like fear, greed, and overconfidence pose a bigger threat to your portfolio performance than actual market volatility, and how to avoid common investment strategy mistakes.How to leverage market corrections as opportunities rather than threats, and why working with a financial advisor helps you stay focused on long-term investing instead of attempting market timing.The current bull market trajectory and potential headwinds, including tariffs, interest rates, and geopolitical concerns that could impact your wealth management and retirement planning goals.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 Discussion of the three-year bull market anniversary and overview of bull markets versus bear markets02:30 Defining bull markets and bear markets: Understanding the 20% threshold for the S&P 500, market corrections, and historical data 08:24 Current bull market analysis: Ethan discusses the 90% gain since October 2022, potential headwinds, and why long-term investing beats trying to time the market11:45 Investor psychology and Emotional Threats: Eric covers fear, greed, overconfidence, regret, herd mentality, and impatience that damage portfolio performance more than market volatility18:38 Patience and Strategy: The importance of working with a financial advisor, avoiding emotional decisions, and staying committed to your financial planning through market cyclesKEY TAKEAWAYS:  Bull markets occur 75% of the time and last significantly longer than bear markets (4.3 years versus 1.5 years), making staying invested through market volatility the smarter investment strategy than attempting market timing.The longest bull market in history ran from 1987 to 2000 with a 582% gain, while the shortest bear market (COVID) lasted only 1.1 months—proving that markets take the escalator up and the elevator down.Emotional threats like fear, greed, overconfidence, and herd mentality pose greater risks to portfolio performance than actual market declines, which is why working with a financial advisor helps maintain discipline during turbulent periods.The current bull market is only three years old with 90% gains since October 202. If history repeats itself, there could be another 12-24 months of growth, making patience and long-term investing essential for successful retirement planning.ABOUT THE HOSTS: Jeb Graham, the CEO and Managing Partner at Metcalf Partners Wealth Management, is a seasoned financial advisor with a CFP® designation and executive education in retirement planning from Wharton. His expertise and community involvement make him a trusted voice in the field. Before founding Metcalf Partners, Jeb was a financial advisor in Overland Park, Kansas. Active in the Kansas City community, Jeb serves on the Kansas City Chapter Board of the Entrepreneur Organization (EO). He holds a finance degree from Kansas State University and a CFP® designation, and has completed additional executive education in retirement planning at Wharton.Ethan Hutcheson is a Partner and Financial Planner at Metcalf Partners. He is passionate about helping people prepare, plan, and execute their goals. With a career in Financial Services, his expertise spans Financial Planning, Tax, and Investment Management. Outside of work, Ethan enjoys hunting, cycling, and outdoor activities with his wife, Shanna, and their sons, Rhett and Levi.Eric Wymore is a Partner and Wealth Manager at Metcalf Partners Wealth Management. His career has been dedicated to wealth management. As an Accredited Investment Fiduciary, he prioritizes acting in clients’ best interests. Originally from southeast Iowa, Eric has lived in Kansas City for 20 years with his wife, Becky, and their sons, Gabe and Nolan. He holds a degree in finance from Iowa State University.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

The 2025 tax cuts are not just changes; they are transformations that will impact your estate tax, standard deduction, and tax planning strategies. Join hosts Jeb, Ethan, and Eric on the Metcalf Money Moment podcast as they unpack the One Big Beautiful Bill Act (OBBBA), signed into law in 2025. This episode delves into critical updates, including higher estate tax exemptions for the ultra-wealthy, expanded standard deductions for retirees, and new deductions for business owners. Discover how 2025 tax reform estate planning can optimize your financial future, whether you're saving for retirement, managing a business, or planning your legacy. Tune in for expert insights to maximize your wealth with these tax cuts.What you will Learn in this Episode:How tax cuts impact your tax planning and financial strategies.Changes to estate tax exemptions and their effect on wealth transfer.Benefits of increased standard deduction for retirees and families.New qualified business income deductions for business owners.Strategies for 2025 tax reform estate planning to optimize savings.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:  01:25 Overview of 2025 tax cuts in One Big Beautiful Bill Act: Impacts on tax planning, revenue reduction04:40 Estate tax updates: Exemption rises to $15M/person, aiding wealth transfer for high-net-worth07:21 SALT deduction changes: Increases to $40K for married couples, phases out above $500K income10:31 Standard deduction at $31,500, no tax on tips/overtime or car loan interest15:02 Retiree benefits: Senior deduction adds $6K/person, qualified business income deduction permanent21:30 Tax planning opportunities: Roth conversions, estate tax strategies for efficient wealth transferKEY TAKEAWAYS:  Tax cuts impact: The One Big Beautiful Bill Act reshapes tax planning, estate tax, and federal revenue.SALT deduction expansion: $40K cap for married couples, key for tax cuts and high earners’ tax planning.New deductions: Car loan interest, charitable contributions, enhance tax cuts, support retirement planning.Senior deduction: $6K extra for those 65+, a significant tax cut boost for retirement planning strategies.ABOUT THE HOSTS: Jeb Graham, the CEO and Managing Partner at Metcalf Partners Wealth Management, is a seasoned financial advisor with a CFP® designation and executive education in retirement planning from Wharton. His expertise and community involvement make him a trusted voice in the field. Before founding Metcalf Partners, Jeb was a financial advisor in Overland Park, Kansas. Active in the Kansas City community, Jeb serves on the Kansas City Chapter Board of the Entrepreneur Organization (EO). He holds a finance degree from Kansas State University and a CFP® designation, and he received additional executive education in retirement planning from Wharton.Ethan Hutcheson is a Partner and Financial Planner at Metcalf Partners. He is passionate about helping people prepare, plan, and execute their goals. With a career in Financial Services, his expertise spans Financial Planning, Tax, and Investment Management. Outside of work, Ethan enjoys hunting, cycling, and outdoor activities with his wife, Shanna, and their sons, Rhett and Levi.Eric Wymore is a Partner and Wealth Manager at Metcalf Partners Wealth Management. His career has been dedicated to wealth management. As an Accredited Investment Fiduciary, he prioritizes acting in clients’ best interests. Originally from southeast Iowa, Eric has lived in Kansas City for 20 years with his wife, Becky, and their sons, Gabe and Nolan. He holds a degree in finance from Iowa State University.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

When it comes to navigating the complexities of trust administration, having the right team in place is essential. On this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric welcome Randy Kimmel from BOK Financial Advisor Trust Services for an in-depth discussion about corporate trustees. Together, they cover everything from handling special assets and dynasty trusts to maintaining family harmony and managing trustee duties with clarity and confidence. If you’re looking for practical insights on wealth management and securing your family’s financial future, this episode offers valuable guidance.IN THIS EPISODE: (00:00) Trust documents and estate documents, highlighting impartial trust administration decisions(01:22) Role of a corporate trustee as executor to prevent conflict during estate settlement(02:35) BOK Financial specializes in working with financial advisors in estate settlements(06:08) How a corporate trustee preserves family harmony in beneficiary guidance and distributions(10:21) Risks of serving as an individual trustee: their personal wealth is exposed (11:37) Process of when the Corporate trustee should become involved (16:28) Dedicated teams simplify oversight of complex assets, ensuring asset management (18:36) Randy offers advice on choosing between family members or a corporate trustee KEY TAKEAWAYS: A corporate trustee helps ensure smooth trust administration and estate settlement, removing emotional decision-making and protecting family harmony. By acting as a neutral third party, they reduce conflict and keep the process focused on honoring your wishes.Effective estate planning, including clear estate documents and professional oversight, safeguards legacy protection and ensures proper management of assets. This proactive approach ensures that wealth transitions seamlessly to future generations.Understanding fiduciary responsibilities and the complexities of trustee duties is crucial​​ for maintaining fairness and providing lasting beneficiary guidance to beneficiaries. With expert support, families can feel confident that decisions are being made with both integrity and compliance in mind.RESOURCES:Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedInRandy Kimmel - LinkedInBOK Financial - WebsiteDISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.GUEST BIOGRAPHY: Randy Kimmel brings 29 years of experience in banking and finance, having joined BOK Financial in 2000 and spent over 20 years with the company. He holds a Bachelor of Science in Business Management from Baker University in Baldwin, Kansas. He has expertise in executive banking leadership, trust administration, family office services, and providing trust solutions for financial advisors and their clients. Randy supports client acquisition and retention through strategic use of trust services while building and maintaining strong relationships with advisors, broker-dealers, and RIAs. An active community supporter, he is involved with the American Heart Association, United Way, and other local non-profits, and he is also a certified Bourbon Steward.

Are you feeling stuck between rising home prices and unpredictable interest rates? Do mortgage headlines leave you with more questions than answers? In this episode, hosts Jeb, Ethan, and Eric are joined by Jared Bahr of Arvest Bank to cut through the noise. He discusses the relationship between the federal funds rate and mortgage lending, the role of the 10-year treasury note, and introduces you to innovative, underused home loan strategies that just might change the way you think about buying—or refinancing—a home. IN THIS EPISODE: (00:00) Opening(02:59) The 10-year Treasury note is a better indicator of mortgage lending rates than the Fed's short-term rate cuts(05:33) Buy the home, refinance later — act now before housing prices climb(11:08) Jared outlines creative home loan strategies for high-net-worth borrowers(13:45) Jared shares critical dos and don’ts for first-time or high net worth homebuyers(18:34) Home equity lines of credit, bridge loans and recasting mortgage paymentsKEY TAKEAWAYS: Interest rates are expected to decrease gradually, but borrowers should understand the difference between adjustable-rate mortgages tied to short-term rates and fixed-rate mortgages, which are influenced more by the 10-year treasury note than by the federal funds rate.Buying now with a higher mortgage lending rate and refinancing later may be smarter than waiting—because housing prices are likely to continue climbing. As Jared Bahr puts it, you can "marry the house, date the rate."Lenders like Arvest Bank offer flexible options for high-net-worth borrowers and first-time homebuyers.RESOURCES:Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedInArvest BankJared Bahr - Arvest BankJared Bahr - LinkedInDISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.GUEST BIOGRAPHY: Jared Bahr is a University of Missouri graduate with 15 years of experience as a residential mortgage lender. As Vice President and Mortgage Lending Supervisor at Arvest Bank, a regional bank headquartered in Bentonville, Arkansas, they contribute to a community-focused institution with over 200 branches across Arkansas, Kansas, Missouri, and Oklahoma. Arvest, established in 1961 and primarily owned by the Walton family, offers a range of financial services, including mortgage loans and deposits. Arvest has grown through acquisitions, such as Bear State Financial in 2018, with total assets exceeding $26 billion. 

Discover how to supercharge your business with expert financial strategies on this episode of Metcalf Money Moment! Hosts Jeb, Ethan, and Eric welcome Brent Taylor from KC CFO Services, who shares game-changing insights on fractional CFO services. Learn how to delegate effectively, plan for business growth, and navigate business exits with confidence, all while optimizing your financial future. Whether you're a small business owner or scaling a larger company, this episode delivers practical advice to elevate your success.IN THIS EPISODE: (04:15) The distinction between a fractional CFO and an accountant is clarified(08:30) Fractional CFO services help business owners delegate responsibilities and set business growth goals (13:01) Brent’s company serves various types of small, growing businesses of (15:15) The process of engaging a fractional CFO is outlined, involving discovery calls to assess challenges and opportunities(18:29) The synergy between a fractional CFO and the financial advisor, and helping clients with business exit strategies, and succession planning goalsKEY TAKEAWAYS: Fractional CFO services enable small and mid-sized businesses to access expert financial guidance without the expense of a full-time CFO, allowing owners to delegate tasks and focus on growth.Business growth is supported by strategic financial planning, where fractional CFOs look forward, unlike accountants who focus on historical data, aiding in financing, hiring, and expansion decisions.Succession planning and business exit strategies are crucial for business owners, with fractional CFOs playing a vital role in preparing for sales or transitions to maximize value and ensure long-term success.RESOURCES:Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedInCFO Services in Kansas CityCFO Services - LinkedInDISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.GUEST BIOGRAPHY: Brent Taylor is the founder and owner of KC CFO Services, LLC, a fractional CFO firm based in Kansas City. After spending 15 years working with large companies across various industries, he transitioned into entrepreneurship, leveraging his diverse financial experience to help growing small and mid-sized businesses navigate their journey. He holds a degree in Accounting and Finance from the University of Nebraska and is a Certified Public Accountant (CPA).ABOUT THE HOSTS:Jeb Graham:Jeb is the CEO and Managing Partner at Metcalf Partners Wealth Management. Before founding Metcalf Partners, he was a financial advisor in Overland Park, Kansas. Active in the Kansas City community, Jeb serves on the Kansas City Chapter Board of the Entrepreneur Organization (EO). He holds a finance degree from Kansas State University and a CFP® designation, and he received additional executive education in retirement planning from Wharton.Ethan Hutcheson:Ethan is a Partner and Financial Planner at Metcalf Partners. He is passionate about helping people prepare, plan, and execute their goals. With a career in Financial Services, his expertise spans Financial Planning, Tax, and Investment Management. Outside of work, Ethan enjoys hunting, cycling, and outdoor activities with his wife, Shanna, and their sons, Rhett and Levi.Eric Wymore:Eric is a Partner and Wealth Manager at Metcalf Partners Wealth Management. His career has been dedicated to wealth management. As an Accredited Investment Fiduciary, he prioritizes acting in clients’ best interests. Originally from southeast Iowa, Eric has lived in Kansas City for 20 years with his wife, Becky, and their sons, Gabe and Nolan. He holds a degree in finance from Iowa State University.

Are you making the most of your retirement planning strategy—or leaving money and tax benefits on the table? In this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric discuss with Casey McCarthy, Executive Vice President at EIP Corp., how third-party administrators (TPAs) help design and manage 401(k) plans tailored to business goals, such as maximizing savings and attracting top talent. You’ll learn the differences between IRA options, SEP, SIMPLE, and 401(k) plans, how cash balance plans work, and how to take full advantage of tax benefits and new IRS incentives that could make retirement plans more affordable than ever. Whether you're a business owner or building your retirement nest egg, this episode will help you make smarter retirement planning decisions.IN THIS EPISODE: (01:48) Casey explains the role of a third-party administrator when retirement planning(05:42) The differences between IRAs and specific contribution amounts(09:42) How does a cash balance plan work with a 401 (k)(13:51) Tax benefits and credits. IRS is making plans that are inexpensive or free for three to five years(18:22) Contributing to a Roth IRA and discussion of the maximum contributionsKEY TAKEAWAYS: Casey McCarthy shared how TPAs like EIP Corporation design and manage 401(k) plans to stay compliant and support business goals. While advisors like Metcalf Partners handle education and investments, TPAs tailor retirement planning strategies to help business owners maximize savings, attract top talent, and fully leverage tax benefits and IRA options.Compared to SEP and SIMPLE IRAs, 401(k) plans offer higher contribution limits and greater flexibility, making them a stronger option for retirement planning in growing businesses.The conversation highlighted how advisors and TPAs work together—advisors handle education and investments, while TPAs manage plan design and compliance—to create strategic, tax-beneficial retirement plans.RESOURCES:Metcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedInEIP Corporation - WebsiteCasey McCarthy - LinkedInDISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.GUEST BIOGRAPHY: Casey McCarthyI am the Executive Vice President and Director of Business Development at EIP Corp., a Third-Party Administrator (TPA) in the Kansas City area, with a focus on corporate retirement plan design and administration.  With over 20 years of experience in the financial services industry, including extensive expertise in defined contribution and defined benefit plans, my goal is to ensure that our clients receive the most accurate plan administration and the highest quality service in the industry. EIP CORPFounded in 1973, EIP began with the mission that still guides the company today: to combine unequaled expertise with personal attention.  In pursuit of that mission, our emphasis on customer satisfaction has earned us long-standing relationships with our clients.  We still serve the very first client we acquired.ABOUT THE HOSTS:Jeb Graham:Jeb is the CEO and Managing Partner at Metcalf Partners Wealth Management. Before founding Metcalf Partners, he was a financial advisor in Overland Park, Kansas. Active in the Kansas City community, Jeb serves on the Kansas City Chapter Board of the Entrepreneur Organization (EO). He holds a finance degree from Kansas State University and a CFP® designation, and he received additional executive education in retirement planning from Wharton.Ethan Hutcheson:Ethan is a Partner and Financial Planner at Metcalf Partners. He is passionate about helping people prepare, plan, and execute their goals. With a career in Financial Services, his expertise spans Financial Planning, Tax, and Investment Management. Outside of work, Ethan enjoys hunting, cycling, and outdoor activities with his wife, Shanna, and their sons, Rhett and Levi.Eric Wymore:Eric is a Partner and Wealth Manager at Metcalf Partners Wealth Management. His career has been dedicated to wealth management. As an Accredited Investment Fiduciary, he prioritizes acting in clients’ best interests. Originally from southeast Iowa, Eric has lived in Kansas City for 20 years with his wife, Becky, and their sons, Gabe and Nolan. He holds a degree in finance from Iowa State University.