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Recent episodes
Business Margins Get Squeezed, Senior Loan Officer Survey & Motor Vehicle Sales Remain Strong
Jun 18, 2026
Unknown duration
Yield Spreads: Did the Yield Curve Get It Wrong? Trustee vs. Power of Attorney
Jun 4, 2026
Unknown duration
Interest Rate Policy, Diversifying in Digital Assets and IRS Direct Deposit
May 21, 2026
Unknown duration
S&P 500 Earnings Surge 21% YoY, But Here's What's Slowing AI
May 7, 2026
Unknown duration
What Is Going On With The Private Credit Fallout? Understanding Credit Card Rewards & Bundled Banking Services
Apr 23, 2026
32m 12s
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 6/18/26 | ![]() Business Margins Get Squeezed, Senior Loan Officer Survey & Motor Vehicle Sales Remain Strong | In this episode of the Planned Solutions Podcast, the recent increase in consumer prices has made headlines, but the larger increase in producer prices has largely been ignored. When producer prices increase faster than consumer prices, it puts downward pressure on business profitability. This could negatively impact business earnings reports, as it has in past similar periods, or it could lead to businesses passing on more of the commodity price inflation they are currently experiencing if they get to the point where they cannot eat the lion's share of the higher prices. A healthy economy requires access to credit for businesses that seek to expand and hire, and for consumers who may leverage future earnings to make large purchases now. Therefore, the health of the lending markets, as gauged by the Senior Loan Officer Survey, can offer some insight into the health of the economy and future trends that may improve or diminish the pace of economic growth.Two major industries in the US can be bellwethers of the pace of economic growth: the home-building industry and the motor vehicle industry. Currently, the motor vehicle is posting good results with the total value of motor vehicles and parts shipments up 9.5% year-over-year, reaching a record of over $73 billion a month. Despite high interest rates and increasing inflationary pressures, these good results may signal that the US consumer remains resilient. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Planned Solutions had another two-day business development session with our business consultant, Lori Frasier. In an effort to grow smarter and to maintain the cultural aspects that have made us unique while continuing to add new people and scale, we have engaged Lori to make sure we are being intentional in the decisions that we make. The two-day session included a morning with Chase to review a Leadership Circle assessment (similar to a 360 leadership assessment) and discuss gaps in leadership skills as well as areas of strength that can be capitalized on. This was followed by an afternoon session with the Planned Solutions Leadership Team (Chase, Daryl, Joel, Shannon, and Katie) to review the progress thus far on key initiatives and how it can be communicated more effectively, and how to find efficiencies through scale rather than just growth. Finally, the second day involved the whole office and focused on naming and continuing Planned Solutions Core Values and how these values can be protected while still making room for growth and change. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 6/4/26 | ![]() Yield Spreads: Did the Yield Curve Get It Wrong? Trustee vs. Power of Attorney | In this episode of the Planned Solutions Podcast, Interest rates, or the price of money, are important indicators of the future financial and economic climate. In addition, interest rate spreads (comparing one interest rate to another) can offer additional information about data such as the future path of inflation and the pace of economic growth. Currently, common yield spread indicators are signaling higher inflation expectations over the next 5 years, but continued strong economic growth and a low probability of a recession. The Federal Reserve Yield Curve Recession Indicator has historically been an accurate predictor of a recession within the next year. However, in recent years, the indicator may have been wrong: in May 2024, it predicted a 60% probability of a recession within the following year, but the recession failed to materialize. Now the indicator sits at just a 15% probability of a recession, possibly signaling that the economy is in the clear for now. A well-crafted estate plan often includes a trust as well as a financial power of attorney. The trustee of the trust is responsible for the trust assets, while the power of attorney is responsible for non-trust assets. In many cases, this may be the same person, but that is not always the case. A major difference being that a power of attorney may need to manage an individual’s financial affairs before death, such as in the case of incapacity, whereas a trustee may manage the trust before death but also be responsible for administering the trust after death. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Planned Solutions sponsored the first annual Big Brothers Big Sisters of Sacramento golf tournament. The tournament was hosted by former Sacramento Kings center Brad Miller. Despite the windy conditions, the tournament went well, and Shannon, Candice, Carter, and Matt were able to enjoy a day outside working the Planned Solutions hole. The picture to the left shows Candice and Brad Miller on the 7th hole at Del Paso. We can’t agree on whether Brad is really tall, Candice is really short, or both. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 5/21/26 | ![]() Interest Rate Policy, Diversifying in Digital Assets and IRS Direct Deposit | In this episode of the Planned Solutions Podcast, Recent economic disruptions have caused the Fed and investors to rethink their expectations for the future path of interest rates. Higher inflation, largely due to increased oil and commodity prices, has reduced the likelihood of lower interest rates in the future, as the Fed will likely be hesitant to lower rates in a rising inflation environment. In addition, investors may be less willing to accept lower interest rates on longer-term bonds because of higher inflation risk. Digital assets, such as crypto, fall under a broad category of investments called alternative investments. Alternatives are intended to create greater diversification within a portfolio to complement more common investments, such as stocks and bonds. Therefore, when investing, it is important to consider the diversification benefits between holdings rather than being overweight in just one asset class, including digital assets. The Department of the Treasury, pursuant to a recent Executive Order, is now pushing taxpayers to receive their tax refunds via electronic transfer rather than issuing paper checks. This move is intended to speed up payment processing and reduce fraud. While paper checks will still be issued under some exceptions, taxpayers should shift to the electronic payment platform where possible to avoid delays. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Planned Solutions is working on filing Form 5500s for clients who have Solo 401k plans. The Form 5500 is an informational form filed with the Department of Labor. There is no tax due with the filing, but a failure to file penalty can be as high as $250 per day. Planned Solutions has also started filing the Report of Foreign Bank and Financial Accounts (FBAR). These informational reports are required to be filed by US citizens, green card holders, and residents who have an ownership interest in a foreign bank account with an aggregate valuethat exceeded $10,000 at any time during 2025. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com Intro 00:00 Interest Rate Policy 01:09Diversifying in Digital Assets 13:19IRS Direct Deposit 20:05PSI Office Bulletin Board 24:31 | — | ||||||
| 5/7/26 | ![]() S&P 500 Earnings Surge 21% YoY, But Here's What's Slowing AI | In this episode of the Planned Solutions Podcast, the current boom in Artificial Intelligence (AI) investment has fueled stock market gains. However, these investments are based on high growth expectations and an eventual path to profitability for the largest AI companies. While AI software is inherently scalable, the hardware (data centers) required to support it is not as easy to scale. This could be the constraint that causes the AI growth rate to slow, extending the timeline to profitability, which could make these investments look less attractive. The S&P 500 earnings season has started out strong. With roughly 50% of companies having already reported, S&P 500 earnings for the first quarter are projected at $70.10, a 10.35% increase from the prior quarter and a 21.51% increase from the same quarter a year ago. These strong earnings are likely what is driving stock prices higher despite the recent geopolitical risks. Foreign stocks had a good run in 2025. This trend appeared to be poised to continue in 2026, with the foreign stock index strongly outperforming the US stock market for the first two months. However, with the start of the war with Iran, the US market has recovered to new highs, whereas foreign stocks have not performed as well. Now the return between US stocks and foreign stocks has converged, with foreign stocks having a slight edge this year. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Chase, Shannon, Joel, and Daryl played in a golf tournament at Ancil Hoffman Golf Course supporting a local charity that provides activities for teens with mental development disorders. While we did not play our best, they did a great job putting on a good tournament to raise money for a good cause.Carter and Matt have survived their first tax season. As a reward, they have been promoted from the shared back office to their own offices with a window. This will also put them closer to the front of the office, which hopefully will make it easier to hear clients dropping in when some of the people normally up front are out of the office, away from their desk, or in the back working on compiling paperwork.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 4/23/26 | ![]() What Is Going On With The Private Credit Fallout? Understanding Credit Card Rewards & Bundled Banking Services✨ | private creditcredit card rewards+1 | — | credit cardsbanking services+4 | CaliforniaFolsom+1 | Wall Streetcredit markets+3 | — | 32m 12s | |
| 4/9/26 | ![]() Oil Rate Surge Affects Feds Interest Rate Plans✨ | Federal Reserveinterest rates+3 | — | Fedsthe Planned Solutions Podcast+5 | USFolsom+1 | S&P 500earnings growth+2 | — | 28m 38s | |
| 3/26/26 | ![]() Is Oil the New Toilet Paper? Flexible Spending Account Insight and Medicare IRMAA✨ | oil pricesFlexible Spending Account+2 | — | Flexible Spending AccountMedicare+5 | IranSacramento+2 | oil marketchildcare expenses+2 | — | 32m 54s | |
| 3/12/26 | ![]() Is Your ROTH Conversion Strategy Still Valid After OBBBA?✨ | tax deductionsRoth IRA conversions+3 | — | Roth IRARestricted Stock Units+5 | Iranthe Middle East+2 | tax benefitsincome limits+2 | — | 31m 44s | |
| 2/26/26 | ![]() Precious Metals Market Bubble Housing Now a Buyer’s-Market No Tax on Overtime✨ | precious metalshousing market+1 | — | The Magic Key Castgold+9 | FolsomCA | goldsilver+2 | — | 25m 45s | |
| 2/12/26 | ![]() Health Savings Account (HSA) The Investment Most People Miss✨ | Health Savings Accountstax law changes+3 | — | Health Savings AccountsSection 530A accounts+8 | FolsomCA | financial toolinvestment+3 | — | 29m 40s | |
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| 1/29/26 | ![]() Stock Market Opens the Year Strong And 2026 Tax Updates✨ | stock markettax updates+1 | — | the Planned Solutions Podcastthe Planned Solutions Incorporated+2 | USFolsom+1 | S&P 500foreign stocks+3 | — | 25m 20s | |
| 1/15/26 | ![]() How Proper Estate Planning Saves Time, Money, and Stress✨ | estate planningfinancial planning+4 | — | Irrevocable Life Insurance Truststhe Planned Solutions Podcast+4 | FolsomCA | wealthlegacy+4 | — | 26m 40s | |
| 1/1/26 | ![]() •What YOU Need to Know About Market Assumptions, Beware Survey Data and Headlines & Q4 State Estimated Tax Payments✨ | market assumptionsfinancial models+3 | — | Planned Solutionsthe Planned Solutions Incorporated Office Bulletin Board+2 | USFolsom+1 | survey dataheadlines+3 | — | 32m 45s | |
| 12/18/25 | ![]() Conceptualizing the AI Landscape & Bitcoin Selloff Explained — What Investors Must Know✨ | Artificial IntelligenceBitcoin+2 | — | Planned Solutionsthe Planned Solutions Incorporated Office Bulletin Board+1 | USFolsom+1 | AI landscapeBitcoin selloff+2 | — | 28m 08s | |
| 12/4/25 | ![]() What Does the Job Market Really Look Like Now? | In this episode of the Planned Solutions podcast, with the reopening of the federal government, the Department of Labor is once again publishing jobs data. The most recent reports show that the job market remains reasonably strong and may be accelerating after a brief period of weakness earlier in the year. The US economy added 119,000 jobs in September, the unemployment rate ticked up but remains fairly low, and initial claims for unemployment insurance benefits, the forward-looking indicator, remain at low levels. The IRS increased the standard deduction that taxpayers are allowed to use to shelter income from taxation for 2026. In addition, the limitation on the amount of State and Local Taxes (SALT) that can be claimed as an itemized deduction was increased. So, going forward, taxpayers will need to pay closer attention to whether they will benefit from claiming the standard deduction or should itemize their deductions. Retirement plan contribution limits will increase in 2026 in most cases. Therefore, those who seek to contribute the maximum amount allowable under the law should make sure to adjust their contributions to ensure that they will contribute the maximum amount by the end of the 2026 tax year. In addition, some new rules for taxpayers age 60-63 will be implemented, which may impact the amount that those taxpayers may contribute for 2026. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - A client recently used Planned Solutions tickets to take his son to the Kings game. His son was excited to see one of his favorite players, Domantas Sabonis, play live. They got there early and were fortunate enough to run into Sabonis coming out of the tunnel. The Kings’ star was gracious enough to take a picture and sign the young man’s hat. What a great heart-warming moment. Go Kings! Carter and Matt both sat for the Certified Financial Planner ® exam recently. After years of studying and hours of preparing for the exam, we are excited to announce that they both passed. Now they just need to complete the required number of hours working in financial planning to fulfill the requirements to hold the Certified Financial Planner ® designation. Great jobguys! To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 11/20/25 | ![]() The Shocking Truth About Manufacturing vs Service Sector Growth | In this episode of the Planned Solutions podcast, with the official government economic data currently unavailable, the private data sources are getting more attention. This includes the ISM reports on the manufacturing and services sectors in the US. These reports show that the manufacturing sector is contracting at a slow pace, while the services sector is growing at a slow pace. Given that the US is primarily a services-centric economy, the whole of this data is slightly positive. However, this data is based on surveys, which have become decreasingly useful over time. The advantages of using a private fiduciary rather than tasking friends or family with the difficult job of overseeing the administration of a trust and/or will have made this option increasingly popular. Private fiduciaries bring a professionalism to the tasks of making financial and health care decisions for an individual without the influence of family dynamics that can sometimes make the process even more difficult. The Social Security Cost-of-Living Adjustment (COLA) for 2026 will be 2.8%, a number in line with the official inflation statistics. However, Medicare premiums will increase 11.6% which means the average Social Security recipient will see their take-home Social Security benefit increase by much less than the 2.8% COLA. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Daryl, Carter, and Matt recently attended a Pension and 401k Seminar hosted by a local Third-Party Administrator. This is an annual event that we look forward to so that we can stay up to date with current Retirement Plan rules and limits. This is the 400th newsletter Planned Solutions has produced since we started publishing our own newsletter in-house over 15 years ago. If you are enjoying the newsletter or have some feedback on how we can improve it, please feel free to let us know. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com Intro 00:00 Institution for Supply Management Reports 01:46 Private Fiduciaries 11:09 Social Security Updates 16:45 Bulletin Board 19:42 | — | ||||||
| 11/6/25 | ![]() What's REALLY Happening with Inflation Right Now? | In this episode of the Planned Solutions podcast, even with the federal government shutdown, the Bureau of Labor Statistics (BLS) reported the September inflation data. The headline inflation rate rose slightly from 2.9% in August to 3.0% in September, but continues to show signs that inflation has stabilized in the 2-3% level. The impact of tariffs remains uncertain as the annual numbers are low but recent months have been elevated. Shelter prices show the opposite, with higher annual numbers but lower monthly numbers in consecutive reports. Despite a high level of political, economic, and financial uncertainty, US businesses continue to report strong earnings. Second-quarter earnings increased 11%. So far, 85% of companies that have reported for the third quarter have beaten their earnings expectations. Now, analysts estimate that earnings will increase 18% year-over-year in the third quarter. Medicare open enrollment started on October 15th and runs until December 7th. This is the time period that individuals can make changes to their Medicare insurance plans. Those who are happy with their current plan do not need to take any action. Those who are not happy with their current plan because they want to see different providers, had a change in their health status, or want to switch to a lower cost plan, should take action to review their options during open enrollment. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Chase and Daryl attended the Financial Planning Association of Northern California Winter Symposium. This year, the program consisted of a presentation on the costs of aging and how to prepare clients for those costs, a panel discussion on the benefits of working with a private fiduciary, and the need for succession planning within financial planning firms. Matt traveled to Philadelphia to attend an in-person program to prepare him to take the Certified Financial Planner exam. This is after Carter attended a similar event in Southern California. With the exam date in November approaching quickly, they are both cramming to be as prepared as possible. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Chase Armer's book- Financial Planning Insights is now available at: https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279 Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 10/23/25 | ![]() Why Is Gold So Valuable Right Now? | In this episode of the Planned Solutions podcast, Gold prices have surged in recent years, causing some to ask: What is driving the increase in prices? While there is no single factor alone that is driving the demand for gold, there are several possible reasons why gold prices have increased. These trends may also reverse, which could make buying gold at such elevated levels very risky, as many of the investment manias of the past that led to sharp increases in prices also led to equally sharp corrections.The US government is entering its third week of the government shutdown. So far, the impact of the shutdown has been fairly limited, with some areas impacted more than others, but the impact will likely grow if the shutdown continues. Most important are the upcoming payroll deadlines for the military and other federal workers, which make up a meaningful amount of US employment and consumer spending.Recent tax law changes include a provision that will allow taxpayers to deduct up to $10,000 in interest on a loan for the purchase of a new vehicle. However, vehicles must meet the provisions of the law to qualify. In addition, higher-income taxpayers will not be eligible, as the deduction begins to phase out at higher income levels.Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament was once again a big success! The tournament was full of new twists, including a professional long driver on Hole 15 that helped raise additional funds for cancer charities. The dinner was great as always, and the staff at Rancho Murieta Country Club did a great job of making everyone feel welcome.More importantly, this year we raised over $10,890 for cancer charities, bringing our cumulative total to $189,199. We would like to thank everyone who supported the event this year, and in past years, by attending the tournament, bidding on auction items, and contributing to cancer charities.We look forward to next year, when hopefully we will be able to continue to grow the tournament and the donations raised for cancer charities.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Chase Armer's book- Financial Planning Insights is now available at: https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279 Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 10/9/25 | ![]() What's REALLY Happening in the 2025 Job Market? | In this episode of the Planned Solutions podcast, Labor market data has been questioned recently, with the Bureau of Labor Statistics announcing that it is having difficulty obtaining the necessary data and has been forced to make significant revisions to past data. However, there are other data sources that economists and financial analysts can utilize to gain a better understanding of the labor market's health. While these other sources have their flaws as well, the preponderance of the evidence appears to point to a fairly healthy and stable labor market in the US.Financial planning can be a very long journey as it often takes many years, or even decades, of consistent saving, investment, and debt payments to reach long-term financial goals. This can make progress appear slow at times and become disheartening when it feels like the finish line is still so far away. For this reason, it is important to track progress to see the cumulative success over time and celebrate small wins along the way.The IRS recently issued new guidance that suspends the implementation of a new rule until 2027. The rule in question will require higher-income savers who are eligible for the catch-up contributions for those age 50 and over to make their catch-up contributions to the Roth plan. So, the delay of implementation will give savers one more year of potential tax deferral on their catch-up contributions and will give businesses more time to make sure their 401 (k) plan is ready for these changes.Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -Planned Solutions recently did a two-day workshop with consultant Lori Frasier. The first day of the workshop was focused on helping team members understand each other’s personality types and preferred communication methods.Planned Solutions sponsored the Future Foundation of Sacramento Charity Golf Tournament recently.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Chase Armer's book- Financial Planning Insights is now available at: https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279 Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 9/25/25 | ![]() Inflation Normalizes and Number of 401k Millionaires Hits Record | The national inflation rate was 2.9% year-over-year in August. The higher-than-desired inflation rate was primarily due to stubborn services prices, especially shelter prices, rather than goods prices, which include the volatile food and energy categories. Other goods were up just 1.5% showing the year-over-year impact of tariffs was likely limited, although the category did increase 0.4% in the month of August showing a possible acceleration in goods inflation may be starting. A report by Fidelity shows that the number of people with a 401(k) balance of $1 million or more reached an all-time high of 595,000. The average age of a 401(k) millionaire is 59 years old, and the average amount of time participating in the plan is 25 years. This shows that the 401(k) can be a valuable retirement savings tool, especially for those who start early and continue to contribute consistently for many years. In 2017, the TCJA expanded the qualified use of 529 Educational Savings Plans to include certain K-12 expenses up to a limit of $10,000 per student. The OBBB Act, passed this year, expanded the ability to use 529 plans in two ways. The annual limit that can be used for K-12 education was doubled from $10,000 to $20,000. The expenses that are allowed as qualified educational expenses were also expanded to include many ancillary items and services that may be incurred. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - We are now taking registrations for our annual charity golf tournament. The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf TournamentDate: Friday, October 10, 2025Location: Rancho Murieta Country Club – North Course7000 Alameda DriveRancho Murieta, CA 95683Time: 1:00pm shotgun start (boxed lunch included), 5:30pm receptionTo subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com Chase Armer's book- Financial Planning Insights is now available at: https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279 Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 9/11/25 | ![]() Powel Signals a Change in Fed Policy, What It Means To Your Finances | The long-awaited Jackson Hole speech by Federal Reserve Chairman Powell gave the markets the news investors were hoping to hear. In the speech, Chairman Powell noted weakness in the US labor market and subdued inflation more broadly. The Fed is concerned about the risk of tariffs creating a one-time increase in the prices of some goods, but may err on the side of caution by lowering interest rates to promote economic growth and full employment due to the belief that the inflationary impacts may be contained..Of the four inputs to economic growth: land, labor, capital, and productivity, the US is facing some constraints and is counting on an unproven opportunity. The reduction in the labor force due to decreased immigration and the constraints to capital from high interest rates may stifle growth. Land is abundant but less important. Therefore, productivity through technological innovation, such as AI, may become the most important..To follow up on some of the tax law changes in the recently passed tax and budget bill, there are a number of changes to the tax deductibility of charitable contributions taking effect in 2026. One change is that it will be easier for some taxpayers to deduct small amounts that they contribute to charity. However, higher-income taxpayers may have their deduction limited, which could offset any additional benefit. .Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -We are now taking registrations for our annual charity golf tournament. .The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament.Date: Friday, October 10, 2025Location: Rancho Murieta Country Club – North Course7000 Alameda DriveRancho Murieta, CA 95683 .Time: 1:00 pm shotgun start (boxed lunch included), 5:30 pm reception. .To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com .Chase Armer's book- Financial Planning Insights is now available at: https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279 .Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 8/28/25 | ![]() Stock Market Speculation Trade, Tariffs and Inflation & Tariffs Expand to Export Taxes | The stock market has done well so far this year, but with that has come an increase in speculation that makes the market appear riskier. This year, there have been a number of companies that have gone public for the first time and experienced a big surge in their stock price in the first few days of trading. The speculative meme stock has also reemerged this year. Finally, the amount of money borrowed to invest in stocks, generally a speculative investment activity, surged in June to a new all-time high.So far, the increase in tariffs, which are basically a tax on imported goods, has not led to an increase in consumer prices. This has puzzled economists who expected that at least a portion of the increase in costs would be passed on to consumers. However, a new theory and new data show that due to the complexity of trade law and existing trade agreements, the actual tariffs applied may be lower than previously announced.The US government has shifted policy from focusing on taxing imports into the US in the form of tariffs to taxing US exports to certain countries. While this may bring in additional funds to help improve the US deficit, it could also set a dangerous precedent in which the most successful US companies have restricted access to foreign markets that don’t originate from the destinationmarket, as has been the case in the past, but rather from the country of origin. This could reduce new companies’ ability to access capital to grow.Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -As the labor market tightens, fraudsters have found a new way to steal job hunters’ personal information. It is now estimated that millions of jobs posted online are “ghost jobs.” Ghost jobs are job postings where there is no actual job available. Those who have received an email from Planned Solutions recently will likely notice an addition at the bottom of the email. As a reminder, please do not attach documents or send information via email if it contains personally identifiable information (including social security numbers, bank information, account numbers, etc.). Please get in touch with our office, and a secure link can be provided. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Chase Armer's book- Financial Planning Insights is now available at: https://www.amazon.com/Financial-Plan... Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 8/14/25 | ![]() Additional Tax Law Changes Jobs Data and Drama Increased Standard Deduction for Seniors | We have already reviewed several of the new tax code provisions from the passing of the One Big Beautiful Bill Act (OBBBA). To expand the review to be more comprehensive, we are including a review of three additional provisions: the no tax on overtime, the deduction for auto loan interest, and the expanded deductions for charitable contributions for taxpayers who do not itemize their deductions. The Bureau of Labor Statistics announced that the US economy added just 74,000 jobs in July. At the same time, the Bureau revised down its job growth numbers for May and June by 225,000 jobs. This means the US economy added just 107,000 jobs in the past three months, a low average of just 36,000 jobs per month. The new tax law promised to eliminate taxes on Social Security income. That did not happen, but a compromise was reached to give seniors (those over age 65) a larger standard deduction of up to $6,000 per taxpayer. However, the new deduction comes with income limits. Single taxpayers with income over $75,000 will begin to have the deduction reduced, while married taxpayers with income over $150,000 will not be eligible for the full deduction and may have it reduced to zero.Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - The second of our two summer interns from 2024 has officially joined the Planned Solutions team. Matt Young finished his degree from Oregon State this past semester, took some time off between school and joining the workforce, and officially joined Planned Solutions on July 30th. Matt will be joining his counterpart, Carter Osborne, in studying for the Certified Financial Planner exam, learning how to apply the knowledge and skills they learned in college to real-world situations, and supporting the financial planners in the office through a paraplanner role.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Chase Armer's book- Financial Planning Insights is now available at: https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279 Intro 00:00 Jobs Data and Drama 01:10 Increased Standard Deduction for Seniors 12:02 Increased Standard Deduction for Seniors 17:56 Bulletin Board 22:36 Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 7/31/25 | ![]() The IRS Dirty Dozen Inflation Ticks Up in June SALT Deduction for 2025 | The IRS has released its recent "Dirty Dozen" list of tax scams that taxpayers should be aware of. This year, the list once again includes scams in which criminals attempt to impersonate the IRS or other tax authorities to get access to taxpayers’ private financial information. In addition, misleading or false tax advice being spread on social media has led many taxpayers astray by convincing them that they can file incorrect tax returns in an attempt to claim credits or deductions that don’t exist or that they do not qualify for. The US inflation rate ticked up in June. However, the main reason that inflation increased was not the expected impact of tariffs being passed on to US consumers. In fact, the cost of goods had a very minor impact on inflation. Instead, it was housing that continues to be the primary cause of US inflation, accounting for about half of the overall inflation rate The new tax and budget bill that passed Congress and was signed by the President will increase the allowable deduction for State and Local Taxes (SALT). Before the passing of the bill, the deduction for SALT was limited to $10,000, making it so that many taxpayers did not have sufficient deductions to itemize their tax deductions. However, the SALT deduction limit has been increased to $40,000, which may benefit taxpayers with large state income tax and/or local property tax bills. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - We are now taking registrations for our annual charity golf tournament. Giveaways for thetournament are being delivered daily, and we are gathering donations for the silent auction. Wehope you will be able to attend (either golf or the reception) or donate to a cancer charity to supportour efforts.The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf TournamentDate: Friday, October 10, 2025Location: Rancho Murieta Country Club – North Course7000 Alameda DriveRancho Murieta, CA 95683Time: 1:00 pm shotgun start (boxed lunch included), 5:30 pm receptionAll profits go to cancer research and education. You can help by attending the tournament ordonating. Not golfing? Bring friends and attend the reception.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Chase Armer's book- Financial Planning Insights is now available at: https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279 Intro 00:00 The IRS Dirty Dozen 01:27 Inflation Ticks Up in June 13:04 SALT Deduction for 2025 19:03 Bulletin Board 25:44 Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170 Folsom, CA 95630 PHONE: (916) 361-0100 or (800) 750-2111E-MAIL: Shannon@PlannedSolutions.com FAX: (916) 361-0191WEBSITE:www.PlannedSolutions.com | — | ||||||
| 7/17/25 | ![]() Pay Down Debt or Invest for the Future? | One of the common financial dilemmas in financial planning is whether the best strategy is for an individual to focus their free cash flow on paying down debt or investing for their future. There is no one-size-fits-all answer to this question, but rather a large number of factors that should be considered in order to make an informed decision. Therefore, it is recommended that Individuals discuss these questions with a knowledgeable professional in order to weigh all the pros and cons of each option. The US jobs report shows that the US economy added 147,000 non-farm jobs in June. This total was better than expected and in line with the average over the prior 12 months. The same industries that have led job creation over the prior 12 months continued to fuel job growth in June, showing persistent trends in the labor market. In addition, the unemployment rate declined from 4.3% in May to 4.1% in June. The two most often overlooked parts of an estate plan are the financial and health care power of attorneys (POAs). However, these are arguably the most important documents included in an estate plan, as they will have an impact on an individual while they are still alive, rather than dealing with their affairs after death, like a will and trust. For this reason, it is important to pay special attention to the terms of the POAs and update them regularly if things change. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Voice deepfakes happen when a hacker takes a recording of your voice, clones it, and then manipulates it. Unfortunately, hackers now have more access than ever before to our voices through videos, FaceTime chats, Zoom meetings, etc., that can be saved on any of our devices. This type of manipulation can happen to anyone, including financial professionals and their clients. At Planned Solutions, Inc., we take cybersecurity and your privacy seriously. Over the years, we have enhanced our processes and procedures to make sure your information is safeguarded. As part of our policies, we do not accept trade or distribution requests via email or text message. In addition, we will always call you to obtain a verbal confirmation of the request to make sure it is actually you making the request. In some instances, we may even request additional information or verification if the request seems out of the ordinary scope of our relationship. Keep in mind that the risks are constantly evolving, and we are working hard to stay current and adjust accordingly. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail Katie@PlannedSolutions.com The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Chase Armer's book- Financial Planning Insights is now available at: https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpb Intro 00:00 Pay Down Debt or Invest for the Future? 01:17 US Job Market Remains Strong 12:20 Power of Attorney 20:48 Bulletin Board 24:53 Planned Solutions, Inc. | — | ||||||
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