The Wealth Mindset Show
Welcome to The Wealth Mindset Show, where co-hosts Josh Robb and Austin Wilson, joined by Hixon Zuercher Capital Management’s team of finance professionals, portfolio managers, a life coach, and more, come together to tackle complex topics - so you don’t have to!
From investment strategies and tax planning, to navigating retirement income and aligning your wealth with your goals, they’ll provide insights to help you make the best decisions for your future.
Whether you're gearing up for life’s next big chapter or looking to make sense of managing substantial wealth, The Wealth Mindset Show has got you covered!
Tune in for everything you need to stay on course toward a secure, fulfilling future - one filled with meaning and purpose.
www.thewealthmindsetshow.com (formerly theinvesteddads.com)
The Wealth Mindset Show
The Ultimate Year-End Financial Planning Checklist + Big Announcement!
Discover 10 year-end financial planning tips that can help you maximize savings, minimize taxes, and set yourself up for a successful new year!
In this episode, the guys are back with an end-of-year financial planning checklist to make sure you’re set for a strong financial start to the new year! They’ll walk through ten key actions, like reviewing your budget, checking up on healthcare benefits, and maximizing your contributions to keep your finances on track. From tax-loss harvesting to charitable giving and making adjustments for the year ahead, Josh and Austin cover each step to help listeners optimize their financial wellness.
And stay tuned—there’s a special announcement about the podcast that you won’t want to miss!
For the show notes, transcript, and resources, visit theinvesteddads.com/225
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Welcome to The Invested Dads Podcast, simplifying financial topics so that you can take action and make your financial situation better. Helping you to understand the current world of financial planning and investments, here are your hosts, Josh Robb and Austin Wilson.
Austin Wilson:
All right. Hey, hey, hey. Welcome back to The Invested Dads Podcast, the podcast where we take you on a journey to better your financial future. I'm Austin Wilson, Co-Portfolio Manager at Hixon Zuercher Capital Management.
Josh Robb:
I'm Josh Robb, Director of Wealth Management at Hixon Zuercher Capital Management. Austin, how can people help us with our podcast?
Austin Wilson:
Subscribe, if you're not subscribed already. That way, you get new episodes when they drop. This is even more important as we'll talk about later-
Josh Robb:
Yes, surprise.
Austin Wilson:
Subscribe for that. That'd be great. And leave us a review on Apple Podcasts, Spotify, wherever you're listening so that we can help more people. Today we are wrapping up the year here. It's towards the end of the year. It's in the fourth quarter here.
Josh Robb:
Yes.
Austin Wilson:
We are going to be discussing some year-end financial planning tips.
Josh Robb:
Yes. That is right. We have 10 things that we're going to bring up-
Austin Wilson:
Josh picked a great round number.
Josh Robb:
- I like that. Good. No bonuses, just 10.
Austin Wilson:
No bonus.
Josh Robb:
Straight 10, things that you should consider at year-end when you're looking through your full financial plan.
Austin Wilson:
That's right.
Josh Robb:
I've talked in the past about tax ideas at year-end, and we'll get into a couple of those, but this is more of a broader look at your full financial picture, things that maybe you should consider doing at the end of the year.
Austin Wilson:
Yep, absolutely. Josh, kick us off, number one.
[1:21] - Action #1: Reviewing Your Budget
Josh Robb:
Number one is now a good time to review your budget and look at how did you do in actual spending versus what you had planned for.
Austin Wilson:
That's right.
Josh Robb:
Remember, life is life. Things change. Stuff happens. It's not going to be exact. You got to look at that and say, okay, where did I overspend? Is this something that I need to plan for next year's budget? Is this something that will happen again? Or was this kind of a one-off thing where my water heater went out, so I had a lot more home costs than I normally do? I don't anticipate that happening next year type of thing.
Austin Wilson:
Absolutely.
Josh Robb:
Review your budget, and that's where then you start looking forward to the next year and doing your planning to say, okay, I said I was going to spend X amount of dollars on groceries. How did I actually do? Do I need to tweak that for next year? Prices are more, or I'm feeding more mouths, those type of things. Adjust your budget.
Austin Wilson:
Well, it's probably also to the point where you're getting to the time of the year where you'll probably have a performance review, compensation review with your employer. You may have an understanding of what your income will be next year, so you can adjust, A, your savings. 50/50 rule, go back and listen to that if you don't remember what that is. Or your budget for the next year, knowing things probably will be just a little bit more expensive year over year, so kind of factor that in as well. But yeah, you should have some more clarity on what's going to happen.
Josh Robb:
While you may be tweaking your budget throughout the year, a good annual review is always nice just to get a big picture. Again, if I look at my family with four kids in the summer when they’re at home, our expenses look a little different than during the school year when they're at school. They have different costs between those different timeframes. Just getting a big picture gives you a better feel of where you're at and then what you need to do in the future years.
Austin Wilson:
Absolutely. Number two.
[3:05] - Action #2: Reviewing Healthcare Plan & Benefits
Josh Robb:
Number two, so along with that, and you mentioned your performance reviews or end-of-year reviews at work. Along with that is healthcare. Let's say you are in a plan that your company sponsors. You don't really have a lot of choices, and not like you go out and shop those things, but for those type of things, review what all benefits they offer because a lot of companies have your healthcare plan, but within there are additional benefits. Maybe you get a free eye exam every year or every other year. Well make sure you utilize those.
Austin Wilson:
Absolutely.
Josh Robb:
You're paying for it. You might as well get those things in there. Another thing to look at with your healthcare is maybe you get a bonus or a discount if you do certain things every year. I know there are some plans that if you get a annual physical or an annual exam, they will give you either a deduction or give you straight up money back as a reward for maintaining or staying healthy along the way.
Austin Wilson:
Look into that.
Josh Robb:
Then on the other side, if you're on private healthcare or you're in retirement, and 65 and on Medicare, end of the year is when there's open enrollment. This is the time to review which healthcare plan you have and say, is this still the best plan for me? I'll take the Medicare group. Medicare is your primary source. There's A and B. We've talked about that in some other episodes. Most people have some supplemental plan that covers the things that Medicare doesn't.
End of the year is when you get to review that, because a one-year agreement. You don't have to stay with them forever. If you have new prescriptions, or something changed in your health, that's a great time to look to say, is this still the best plan for the things I'm going to use it for? Then if you're on private insurance, same thing is, did the cost change? Is there a better plan out there? Am I utilizing this? Do I need a hire a lower deductible? Where's my situation work?
Healthcare, end-of-year, not only is it a good time to do it, but this is actually the window for a lot of people to actually make changes.
[4:58] - Action #3: Maximize Contributions
Austin Wilson:
That's true. Number three is my favorite, Josh.
Josh Robb:
Yes.
Austin Wilson:
Maximize or look at what you have left-
Josh Robb:
Yes.
Austin Wilson:
... before you can maximize your contributions to your various investment accounts.
Josh Robb:
Yes. Every year, there is a limit to how much you can put in retirement accounts, all the across boards from 401Ks, simple IRAs, Roth IRAs, traditional IRAs.
Austin Wilson:
These are moving limits, by the way.
Josh Robb:
Yes. Every year they-
Austin Wilson:
Just about every year they move.
Josh Robb:
But the thing is you can't do more than that. You could do less than that, but you can't ever go back and make up for prior years. Before the year ends, and there's a little asterisk here because like Roth IRAs and traditional IRAs, you actually have until April of next year to actually make the contribution. End-of-year is a good time to sit down and say, okay, how much did I plan on saving? Have I met those goals? Do I have any extra money that I'd like to save?
Again, that comes back to your financial plan. What am I trying to achieve? Is this the best place to put the money? Those are all things you got to think through. Just so everybody knows, Roth IRAs, traditional IRAs, the limit is $7,000 for 2024. If you're over 50, you get an $1,000, so you get $8,000 contribution.
Austin Wilson:
Catch-up.
Josh Robb:
They call that a catch-up contribution. HSAs, that's another one where you have a limit, 4,150 for single, and 8,300, which is just double that for a family plan. If you're over 55, you get an $1,000 catch-up for that as well. Those are yet to be in a high deductible plan to do an HSA. Also, make sure you're eligible for that one. 401K, the max for that is $23,000 of your own money. That doesn't count the match. If you're over 50, you get extra $7,500 catch-up contribution there.
Simple IRAs, which are another type of company retirement plan, is 16,000 with people 15 and over getting 3,500. Just those are some limits. You can Google them if you don't want to go back and listen to this when you're actually looking it up. Very easy to find. The IRS has a table on all those amounts. That's the thing to think of, is what am I trying to do with my plan in retirement savings because of the tax structure? Those are usually the most efficient way of saving for that goal. Make sure you're utilizing those as you can.
Austin Wilson:
One thing I talked about earlier was maybe you're looking at end-of-year performance reviews, end-of-year, yada, yada, yadas. Well, what also happens at the end of the year sometimes, depending on where you work or how your pay is structured, bonuses.
Josh Robb:
Yes.
Austin Wilson:
This is a great use of bonuses, like A, yeah, you should have some fun with it. B, you should pay off debt if you have debt, especially high interest debt. But C, look at the amounts you have left on some of your various retirement accounts or various investment accounts that are tax advantaged like these, and look at shoving some more money into those. Number four, Josh.
[7:39] - Action #4: Tax-Loss Harvesting
Josh Robb:
Number four is tax-
Austin Wilson:
My favorite.
Josh Robb:
Yeah, tax loss harvesting. Austin and I have a thing about this, or gains harvesting-
Austin Wilson:
I like that.
Josh Robb:
... which I'll talk about the difference between those two here. In taxable accounts for the year, the calendar year, you can offset, mitigate, or create taxes by selling investments that are in taxable accounts. An example, you buy a stock for $10, it goes up in value to $13. That $3 it moved is new money, money you didn't have. That's gains. Until you sell it, it's called unrealized gains. It could go up or down.
Austin Wilson:
At this point, it's not taxable.
Josh Robb:
Not tax yet.
Austin Wilson:
It's still you sell.
Josh Robb:
Yep. When I do sell $13, I owe tax not on the 13 because I already... that 10's already been taxed before. The $3 is taxed. Depending on what tax bracket you're in, you could pay zero, 15 or 20% tax on that capital gains. The idea there is because there's a range from zero to 20, you may want to either reduce that tax or create more tax because although it's taxed at 0%, you don't pay anything.
Austin Wilson:
Correct. This is where you need to play the game with where your income is. Maybe your income's going to be under the threshold where you have no capital gains tax for a year. You may want to incur some gains while you can instead of maybe the next year, your income will go up above the threshold, and that's a hard line.
Josh Robb:
Yes.
Austin Wilson:
So if you're $1 above the threshold, your tax bracket is the new bracket. It's not tiered for capital gains.
Josh Robb:
Right. But it's only on those new dollars.
Austin Wilson:
Correct.
Josh Robb:
But yes, it goes from zero to 15. It doesn't go 1, 2, 3, 4, 5 all the long way up. Those dollar amounts are, and this is your total taxable income.
Austin Wilson:
AGI.
Josh Robb:
If you're single... Yes. If you're single, $47,025.
Austin Wilson:
Love that 25.
Josh Robb:
Yep. If you're married $94,050. Just rough numbers, 20... 47 or 94 are the numbers. If you're below that and you have investments that are in taxable accounts, even if you're not planning on needing that money, sometimes just selling and utilizing, and you could actually buy those back right away because you don't have losses. You could just reset your cost basis back to a higher allow and not pay any capital gain. That's gains harvesting.
Tax loss harvesting is where you say, I have an investment I bought for 10, it's gone down to 7, I lost $3. Again, if you don't do anything that's unrealized, but if you sell that $3 loss is a reduction against other gains. Or if you don't have any other gains, you could take up-
Austin Wilson:
If you don't have income.
Josh Robb:
... to $3,000 against your income. There are people at the end of the year who even though they may still like that investment, say just timing-wise, it's down. I'm going to sell that. I'm going to take those losses, offset other gains where I got them elsewhere just to bring my taxes down. Wait 30 days, 31st day I can buy it back.
Austin Wilson:
Yep.
Josh Robb:
Or I could buy something different.
Austin Wilson:
A placeholder. Yep.
Josh Robb:
It can't be the same. You got to buy something different while I'm waiting.
Austin Wilson:
Absolutely.
Josh Robb:
There's tax things you can do at the end of the year. Now that's a calendar year. Once January 1st happens, you lose that opportunity to offset any gains.
Austin Wilson:
Absolutely. Yeah. It's definitely one of those timing games you have to play. If you do it correctly, you can save a lot of money on taxes because the bigger your asset pool gets, the bigger these dollars can get, and they can get out of hand.
Josh Robb:
Now the way we joked at the very beginning, Austin is not a fan. As an investment person who's building portfolios, he may like that stock and says, why are you getting rid of it?
Austin Wilson:
Don't sell my stock.
Josh Robb:
I really like that one. But it's a trade-off between managing and mitigating taxes in any calendar year versus a long-term investment strategy. You can't let one override the other. You got to look at them together. That's the best way of managing the money.
Austin Wilson:
It's actually interesting. You can look at the years and how the markets move at what your opportunity levels are as well, because this year markets are up pretty big. Most stocks are up decently. There are some losers, but not a lot.
Josh Robb:
Yep.
Austin Wilson:
Fixing comes up. It's all up. Not a great year to be locking in a ton of losses. However, something like a 2022, oh my goodness, you could have tax loss harvested for days. There are also some provisions for carry forward as well.
Josh Robb:
Yes, so if you don't use it up, you can use it in future years, which is a great way to say, all right, in a down year, I'm not happy. My portfolio is down, it's not gone well. But you know what? I still believe long-term it's going to go well, so I'll sell and harvest some losses so in future years when I know things are going well and I have gains, I can bring those taxes. That's one. Number five.
[12:16] - Action #5: Make Your Charitable Contributions
Austin Wilson:
Number five.
Josh Robb:
Charitable donations. This is another one.
Austin Wilson:
This is big at the end the year.
Josh Robb:
Yes. We see a lot of this at the end of the year. If you are involved with nonprofits, a lot of times at the end of the year they'll do a lot of just asks saying, hey, if you're wanting to donate, we'd love to be on your mind for that. The reason for that is, again, a calendar year, if you're trying to mitigate future taxes for that year, you can do that through donations. There's a couple ways of doing this.
One, if you're going to itemize your deductions versus standard deduction, charitable giving is one of those itemizations. If you're going to be above the 27-ish thousand dollar threshold on your total deductions, you can put more charitable... In every dollar you give to charity above that, you can deduct your income. There's what's called lumping, which is to say, hey, I usually give, let's say $15,000 a year. Well, I could give four years worth. I could give $60,000 into a donor advised fund or to a charity, or however you want to do it.
Austin Wilson:
Take the whole deduction this year.
Josh Robb:
Yep.
Austin Wilson:
Yeah.
Josh Robb:
Anything above that 27, so let's just... $40,000 is a reduction of my income in that year, and then in the next couple of years when I normally would've been giving, I don't give or I use that donor advised fund to distribute, but I take the regular standard deduction. My total tax savings is bigger than had I just spread it out over that timeframe.
Austin Wilson:
Another thing to consider on years like this where we've had some pretty good market performance the last couple of years, is gifting appreciated securities.
Josh Robb:
Right, yes. Again, calendar years matter in what year you're trying to offset taxes. But you're right, in a year like this, if you don't sell the stock to give the cash to them, but you give them the security itself, that gain we just talked about is not taxable to you.
Austin Wilson:
Correct.
Josh Robb:
And the nonprofit, because they don't pay tax, is also not taxable.
Austin Wilson:
It's a double whammy.
Josh Robb:
That's a great way of giving. Then the last thing with the charitable giving is every year for anybody who has required distributions, giving it directly to charity, which is called a QCD, qualified charitable distribution, you have up to a $100,000 per year you could give out of this. That is also a non-taxable event. By the end of the year you have to take your required distribution, and if you're saying, I really don't want any more income, I really don't need this cash myself, giving to a charity is a great way because it's not going to count towards your income. And it's cheaper from a tax standpoint to give them from your IRA than to give them cash from your investment account or from your checking account.
Austin Wilson:
Yep. All right. Let's take a break. We're five down, five to go.
Josh Robb:
Yes.
[14:51] - Dad Joke of the Week
Austin Wilson:
I have a Dad Joke of the Week, Josh.
Josh Robb:
Okay.
Austin Wilson:
It's more of a thought. This is a thinker.
Josh Robb:
Okay. All right. Think about it.
Austin Wilson:
Just ponder this with me here. I only know 25 letters of the alphabet.
Josh Robb:
Oh, no.
Austin Wilson:
I don't know why.
Josh Robb:
You don't know why? Don't know why.
Austin Wilson:
I don't know why.
Josh Robb:
Doesn't know why.
Austin Wilson:
25 to 26 isn't so bad, is it?
Josh Robb:
That's... You know.
Austin Wilson:
All right. We're back.
Josh Robb:
Passing Drake.
[15:10] - Action #6: Reviewing Insurance Policies
Austin Wilson:
Number six. It's a great time to be thinking about reviewing your insurance policies, and that can mean all kinds of insurance policies-
Josh Robb:
Yes. Yes.
Austin Wilson:
... across the board.
Josh Robb:
Most people... Insurance are those things you hope to never need, but you need to have it there in case like the emergencies. A lot of times people will set them up, set up as an automatic payment, and then just forget about it, which is great, except for periodically you just need to check back in with them and make sure they're still good.
Austin Wilson:
Absolutely.
Josh Robb:
We will take a couple key ones just to look at. For instance, your home. If you own your home, you have hopefully homeowner's insurance.
Austin Wilson:
We would hope, yeah.
Josh Robb:
You need it. When you got it and set it up, the insurance agent probably did their due diligence of seeing your home value, size, square footage and set the price correct. Well over time, home values go up and if you're not paying attention, your insurance coverage could get too low to be an effective coverage of the replacement of your home. You just got to periodically review that and maybe tweak it or adjust it.
Or maybe you made some changes, maybe you improved or did an add-on, or maybe you added something that from an insurance standpoint is risky, like a trampoline. Those are things that will change your insurance. If you're not adequately covered, the insurance company may say, "You know what? You didn't tell us these things. We're not helping you."
Austin Wilson:
Don't tell your insurance companies about trampolines.
Josh Robb:
You need to tell your insurance companies about claims. I'm telling you this, you need to tell your insurance companies. But yes, those are things that would change it. Car, right? Did I get a new car? Did I add a new driver? Anything change with that? Those are a lot easier, straightforward, because you usually have to do that when you buy a new car. Just in general, do a quick review of that.
Then you have disability insurance, all the things to protect you, life insurance. Just end-of-year is a good time.
Austin Wilson:
Double check.
Josh Robb:
Just do a quick look and say okay, how much am I paying? Is that still the best one out there? You can always shop the different policies. Do I need to adjust the coverage? All those things. Insurance is always one that it's best to set up and forget about it, but every once in a while just do a little check-in.
[17:06] - Action #7: Check Your Credit Score
Austin Wilson:
A little check. All right, number seven, probably a good time at the end of the year to be thinking about checking your credit score. We have a whole episode-
Josh Robb:
On credit.
Austin Wilson:
... talking about credit scores. Go listen to that. We'll link that in the show notes below. Josh, why would you want to do that?
Josh Robb:
Yeah, so one, it's a safety net because your credit score shows all credit in your name, and so you need to pull your credit score periodically just to make sure there are no accounts out there that either you thought you closed and they're still open or were opened in your name that you didn't do right. That's the fraud piece that you're keeping your eye on. Just recently, a lot of people's information got leaked because there was a data breach, and so now is even a more important time to periodically check in on this.
Now every year you have the right to once a year ask for your credit from each of the three. You could actually do this three times a year if you wanted, one from each. We encourage you to at least annually, pull your credit report, look through it, make sure everything lines up. If there's any errors or anything, you got to reach out to them. The three companies are Equifax, Experian, and TransUnion.
Austin Wilson:
True.
Josh Robb:
You can go online. They make it very easy because it's a requirement, so they make it easy for you to pull it. Don't sign up. You don't have to pay for anything to get these. They offer plans and programs, and all these things. They're not bad, but you don't have to pay anything to get your free report.
Austin Wilson:
Right.
Josh Robb:
They'll offer monitoring and coverage. Again, if that's something you need, great. But for your free annual report, it's free.
Austin Wilson:
Yes.
Josh Robb:
All right.
[18:40] - Action #8: Determine Adjustments for the New Year
Austin Wilson:
All right. Number eight, it's a great time to be sitting down with your spouse or whatever and going when you're going... This is kind of related to number one, when you're going through your budget.
Josh Robb:
It's back to budgets.
Austin Wilson:
Look at your recurring expenses, recurring payments that you have going on. Think about streaming services are probably the one that comes to mind the most right now.
Josh Robb:
Mm-hmm, oh yeah. Subscription service.
Austin Wilson:
This is something that my wife and I sat down and we're like at one point, do we need all of these? Because think about this. There's only so many hours in a day. There's only so many hours you're not working that are available to be watching streaming services. Then there are actually less than that of how many you probably should actually be using. Then we said, wow, there's more than enough, more than I can ever watch on one of these things. Do we need five? No. Maybe we can have two.
So be reviewing those recurring expenses. They add up quickly and you can save hundreds of dollars a year by canceling a couple of them.
Josh Robb:
You may even not realize you're still paying for something because-
Austin Wilson:
You may stop using it. Yes.
Josh Robb:
... you set it up and you just forgot about it. I think that's probably why some of those gyms are still in existence is because it's set up and it's super cheap and you just kind of-
Austin Wilson:
Planet Fitness is $10 a month.
Josh Robb:
... it's there.
Austin Wilson:
You know how many people have that $10 a month and don't use it?
Josh Robb:
No, don't even need it. Yep.
Austin Wilson:
It's a great business for them.
Josh Robb:
Recurring payments are just important. It'll help with your budget. It also helps you with your spending, just tracking it. Sometimes it's just a convenience to sign up and you forget about it and it's there.
[20:00] - Action #9: Review Your Investments
Austin Wilson:
Yep. Absolutely. All right, Josh, number nine, and my second favorite.
Josh Robb:
Yes.
Austin Wilson:
One of them. Review-
Josh Robb:
Review your investments.
Austin Wilson:
... your investments.
Josh Robb:
Again, depending on who you are, your personality, your engagement with this type of thing, there are some people who watch their investments daily. There's some that every month when they get their statement, they'll look at it. And there's some that never look at it. I'm suggesting that at least annually, do a quick look. I'll list a couple of things in particular to look at, one of which is for especially people who have retirement accounts at work. You probably have a list of investment options.
Periodically the 401K, 403B, whatever your retirement plan is, may change those investment options. If you're not paying attention, your investments may change on their own to things you may not know you have, or may not be the allocation you want. Review your options, review what you're invested in, and make sure those still make sense. Look at how much you're saving and make sure that that still makes sense because again, raises, all those things, we encourage you to slowly work that savings level up.
Review it with your goals. You may have started with maybe being super aggressive because you had a long time horizon. Well, maybe you're closer to retirement. You need to review that. Is this still the same investment strategy I should have? Compare it to that when you're looking at your other accounts outside of retirement, have those goals changed? Maybe I'm saving for a down payment on a house. Well now, I'm ready. I don't want to be super aggressive because I need that cash soon. Take a little risk off the table.
Austin Wilson:
Absolutely.
Josh Robb:
Look through those. I always say understand what you have and why you have it. If you can answer those two questions, then you're in a pretty good spot.
[21:41] - Action #10: Meet With Your Financial Advisor
Austin Wilson:
And Josh, finally, last but not least, number 10. Meet with your financial advisor. Probably a good idea.
Josh Robb:
Yeah.
Austin Wilson:
At least annually.
Josh Robb:
Yes. It doesn't have to be at the end of the year, but at least annually. We encourage everyone. If you have a financial advisor, to schedule a time to talk with them. Could be on the phone, could be on Zoom, could be in person, however you like to do it. The idea there is they have a lot of expertise. Make sure you're utilizing them in answering a lot of these things I was talking about, right? They can help you along with that. If you say, "Hey, I'm putting 10% in my 401K. Should I raise that up?" And then they can help you look at your goals and say, "Well, you know what? You do need to increase your savings to get to these goals."
Austin Wilson:
Right.
Josh Robb:
Then along with that too, we just kind of touched the surface on some of these planning things. We didn't talk about Roth conversions, which are a tax strategy of when you pay tax of withdrawing out of a 401k or IRA and moving into a Roth, there's a lot of nuances. That's where a professional comes in and talk with them about what makes sense, where you're at and what you're trying to achieve. If you don't have one, hey, maybe now's a good time at the end of the year-
Austin Wilson:
Now is always a good time.
Josh Robb:
... to talk with them and say, "Hey, here's how things went. Could I have somebody with expertise make that even better?" Give me a more strategic approach to trying to achieve my goals. And so, talking to advisors are great.
Austin Wilson:
If you don't have an advisor, talk to us.
Josh Robb:
Yes.
Austin Wilson:
You can reach out to us at hello@theinvesteddads.com or check out the Invest with Us tab on our website, TheInvestedDads.com.
Josh, thank you for these 10 lists of 10 things we can think about towards the end of the year. The end of the year, just kind of is a great opportunity to have a little bit of reflection, a little bit of a sense of where we were. It is always important to know about where we're going and we are going somewhere really cool, right?
Josh Robb:
- That's where we're going.
Austin Wilson:
2025, we're going to 2025. We would like to announce that we are gearing up for a whole new look here in 2025 at The Invested Dads here, Josh and I. Our podcast is going to be undergoing a bit of a rebrand and we can't wait to bring you fresh, new content in 2025. This is actually going to be our last episode as we are currently structured for 2024 with just Josh and I doing our thing like we've done for hundreds of episodes.
In the meantime, make sure you're subscribed so you don't miss a thing. We'll also still be active on our social media, so stay tuned there. Otherwise, hey, thank you for being you. Thank you for listening. We're appreciative of you. Please have a great holiday season and we'll see you in 2025.
Josh Robb:
All right.
Austin Wilson:
All right, bye.
Josh Robb:
Bye.
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Josh Robb and Austin Wilson work for Hixon Zuercher Capital Management. All opinions expressed by Josh, Austin, or any podcast guest are solely their own opinions and do not reflect the opinions of Hixon Zuercher Capital Management. This podcast is for informational purposes only and should not be relied upon for investment decisions. Clients of Hixon Zuercher Capital Management may maintain positions in the securities discussed in this podcast.
There is no guarantee that the statements, opinions or forecasts provided herein will prove to be correct. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses, which would reduce returns. Securities investing involves risk, including the potential for loss of principle. There is no assurance that any investment plan or strategy will be successful.
