Paper Gains Show

Johnathan Rankin and Matt Magee
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A show about Wealth, for YOUR Wealth. Paper Gains is the no-nonsense, straight-talking podcast for high-net-worth individuals, business owners, and future retirees who want to maximize wealth, minimize taxes, and build a financial future they can actually enjoy. Hosted by financial advisors Johnathan Rankin and Matt Magee, we cut through the noise and break down the biggest financial topics—from Social Security myths and tax-efficient investing to market trends and estate planning strategies. No get-rich-quick schemes. No financial jargon. Just real, actionable advice. New Episodes Weekly!

Episodes

  1. 2025-08-01

    The Retirement Curveballs No One Warns You About

    What if losing your job, facing a pension buyout, or becoming the family nanny wasn’t part of your retirement plan — but it happened anyway?📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.comIn this episode of The Paper Game Show, retirement planners Johnathan Rankin and Matt MaGee tackle the real-life curveballs that derail retirement — from job losses in your 50s to pension lump sum buyouts, family caregiving surprises, healthcare shocks, and big purchases you later regret. This isn’t the “save 15% and sail away” kind of retirement talk — it’s the raw, practical reality check that every pre-retiree and new retiree needs. If you’ve ever thought “I didn’t plan for THIS,” this episode is for you.Whether you're five years away or five days into retirement, this conversation will give you the awareness — and the questions — to protect your next chapter.Chapters:0:00 – When Job Loss Hits Right Before Retirement3:10 – Navigating Health Insurance, COBRA & Consulting Work7:20 – Should You Take the Pension Buyout or Monthly Income?12:31 – The Hidden Family Costs of Retirement15:30 – Health Surprises and Retirement Lifestyle Curveballs18:43 – Big Purchases Before Retirement: Smart or Risky?Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    22 min

  2. 2025-07-11

    The “One Big Beautiful Bill” Tax Law: What Just Changed for You in 2025?

    Ever wondered how the brand new 2025 tax law—nicknamed the "One Big Beautiful Bill"—could change your next refund or how much you owe? From new Social Security deductions to higher SALT caps, we break down what matters for your family, business, and future (plus the moves to make before year-end).📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.comThe Paper Gain Show dives into the details of the 2025 tax overhaul—officially the extension of the Tax Cuts and Jobs Act—covering Social Security deductions, the new $40k SALT cap, higher child tax credits, mortgage and auto interest deductions, and business tax strategies. Whether you’re planning for retirement, optimizing your business, or simply want to avoid tax mistakes, this episode gives you the practical moves and strategies you can use right now.Chapters:00:00 – July 4th Recap & Disney Trip00:44 – The “One Big Beautiful Bill” Passes: What Changed?01:54 – Social Security Deduction: How Much Can You Save?05:02 – Child Tax Credit Increase & Permanent Changes05:46 – New $40k SALT Deduction: Who Benefits?07:50 – Deductions for Tip Income & Auto Loan Interest10:54 – Estate Tax Updates & What Was Not Cut11:32 – Major Business Tax Changes & Bonus Depreciation13:02 – Pass-Through Deductions: Who Qualifies?15:56 – HSA, 529, & Other Account Changes17:00 – Real-World Tax Planning Moves for 202519:45 – Expanded 529 Withdrawal Rules21:54 – What This Means for Your Tax Plan23:35 – When to Talk to Your CPA & Take ActionDisclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    24 min

  3. 2025-06-25

    How the Wealthy REALLY Minimize Taxes: Inside Strategies Revealed

    You worked hard, built your business, and reached the $5M–$25M mark… so why are you still paying more in taxes than you should? These overlooked tax and estate planning moves can save you (and your heirs) a fortune—if you know how to use them. 📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.com This episode of Paper Gains breaks down the real-world strategies high-net-worth entrepreneurs use to minimize taxes after selling a business or hitting major liquidity milestones. Hosts Johnathan Rankin and Matt McGee share proven tactics for organizing assets, using consulting LLCs, cash balance plans, and spousal lifetime access trusts (SLATs) to control your tax bill today—while preparing for future estate tax changes. If you’re an entrepreneur, business owner, or investor with $5 million, $10 million, $20 million or more, these advanced but practical strategies will help you keep more of what you’ve earned and set your family up for success. Learn how the wealthy approach tax planning, what CPAs miss, and which moves you should be considering in your 40s, 50s, and beyond. Chapters: 0:00 — The Real Cost of Wealth 1:09 — Why the Wealthy Pay Less: Taking Inventory & Getting Organized 5:46 — Tax Moves After Selling a Business: LLCs, Cash Balance, & 401(k) Plans 11:57 — Estate Tax Planning: SLATs, Trusts, & Insurance Strategies 24:46 — Building Your Tax Team & Final Pro Tips Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    29 min

  4. 2025-06-13

    Is This REALLY A Social Security Mistake?

    Many retirees rush to claim Social Security early out of fear—discover why that decision could be a bigger mistake than you think. 📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.com About: Get insider, real-world advice on managing family finances, overcoming the “spender vs. saver” struggle, and making smarter Social Security decisions—straight from veteran advisors who have seen it all. Learn why communication matters more than any spreadsheet, how to plan around spending gaps, and the hidden dangers of “bonus season” overspending (especially for high earners). We dig deep into social security fears, bust the top myths, and show how to turn money stress into lasting peace. If you’re navigating marriage, raising kids, and wondering how to actually make a financial plan work in real life—not just on paper—this episode is your must-watch guide. Chapters: 00:01 – Intro & Family Travel Philosophy 01:37 – The Gift vs. Experiences Debate 02:20 – Money, Marriage, and Managing Finances 13:47 – Is Taking Social Security Early a Mistake? 16:47 – Financial Fear vs. Logic in Decision Making 18:31 – What Index Should You Care About? 19:25 – How Couples Can Start Healing Money Issues 22:23 – When “Just Talking” Isn’t Enough 23:49 – Ground Rules for Spending at Home 26:05 – Social Security Planning (If You’re Worried) 29:19 – Should You Make Financial Decisions on Fear? 30:36 – Final Thoughts & Wrap Up Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    31 min

  5. 2025-05-23

    New 2025 Tax Bill: Who Wins, Who Loses & What You Need to Do

    Did Congress just lock in your tax rate for the next decade — and not tell you? Here’s what they’re really planning. 📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.com In this episode of The Paper Gain Show, Johnathan Rankin, and Matt McGee CFP® break down the 2025 GOP tax proposal — a 350-page draft that could reshape your income, deductions, and retirement strategy for years. From extending Trump-era tax cuts and bonus deductions to the debut of MAGA accounts, this tax plan is loaded with both opportunities and landmines. Whether you're a retiree, business owner, or just trying to keep more of what you earn, this is the clearest look yet at where U.S. tax policy is headed — and what you need to do now before it’s too late. Chapters: 0:00 – Welcome & Overview of the Big, Beautiful Tax Bill 1:00 – Personal Tax Brackets, Deductions & Senior Benefits 3:00 – Business Owner Wins & Estate Planning Updates 6:00 – Itemized Deductions, SALT Cap & Tip/Overtime Gray Areas 10:00 – New Accounts: MAGA, 529s, HSAs & Auto Loan Rules 13:00 – What’s Missing, What’s Next & Why You Should Act Now Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    31 min

  6. 2025-05-08

    Buffett Steps Down—Biggest Lessons From The Legend

    Warren Buffett just stepped down as CEO of Berkshire Hathaway after 60 years—and the investing world may never be the same.In this episode of The Paper Gains Show, we unpack the biggest lessons Buffett leaves behind, what most investors still get wrong about his strategy, and what Berkshire’s future could look like without him. 📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.comAbout:This episode reflects on the investing legacy of Warren Buffett, exploring the wisdom he shared with generations of investors and the unique investment strategies that made him a legend. We discuss Buffett’s impact on financial planning, diversification vs. concentration, long-term investing principles, and his successor’s future challenges at Berkshire Hathaway. Whether you're a retiree managing your portfolio or an investor fascinated by timeless financial wisdom, this is a must-watch tribute.Chapters:0:00 – Buffett Steps Down: Why It Matters1:27 – How Buffett Shaped Our Investment Thinking3:32 – The Story Behind Buying Berkshire: Pettiness or Genius?8:13 – Why Most Investors Don’t Follow Buffett’s Strategy12:27 – Does Concentration Still Work in Today’s Market?18:24 – Can Anyone Recreate What Buffett Built?24:40 – Buffett’s Biggest Lesson: Stay True to Your StrategyDisclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    27 min

  7. 2025-05-05

    Should You Get Back Into the Market? Honest Advice for Nervous Investors

    Sold your investments during the volatility and now regretting it? You’re not alone.In this episode of The Paper Gains Show, we tackle what to do if you pulled out of the market, how to re-enter with a smart strategy, and what this recent rally really means. Plus, we dive into key retirement planning questions like early healthcare costs and whether long-term care insurance is worth it.📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.comAbout:his episode covers real-time market commentary and practical retirement planning advice for those near or in retirement. Topics include market re-entry strategies after a downturn, avoiding emotional investing mistakes, preparing for healthcare costs before Medicare, and evaluating long-term care insurance. Whether you're managing risk, considering self-funding for medical costs, or unsure about future volatility, this conversation helps you make confident financial decisions.Chapters:0:00 – Are We Out of the Woods? Market Rally Breakdown2:41 – What Tariffs and Guidance Pullbacks Really Signal6:20 – If You Sold During the Volatility — What Now?8:12 – How to Re-Enter the Market Smartly (Without Timing It)13:36 – Retiring Before 65? How to Handle Healthcare Costs17:46 – Long-Term Care Insurance: Should You Buy or Self-Fund?22:35 – Planning for Two Spouses in Retirement HealthcareDisclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    24 min

  8. 2025-04-11

    Tariff Turmoil: What Retirees Need to Know About This Market Drop

    When the markets crash, emotions take over — but the smartest investors rely on strategy, not panic. In this episode of the Paper Gain Show, we break down what’s really driving the current market volatility, including the massive tariff announcements and whispers of recession. With over 20% declines in major indices and zero clarity on what’s next, we’ll help you cut through the noise and make informed, confident decisions. About: This episode tackles one of the biggest concerns facing investors today: how to navigate sharp market drops, increased volatility, and economic uncertainty triggered by a new wave of tariffs. As the S&P dips into bear market territory, we explore what’s causing the sell-off, how to manage your retirement portfolio in the chaos, and why thoughtful planning trumps fear every single time. If you're wondering whether to sell, stay put, or start buying again — this is the episode for you. We cover: - How tariff announcements shocked the markets - The debate over short-term pain vs. long-term gain - What investors should consider before making big moves - Dollar-cost averaging, Roth conversions, and tax-loss harvesting strategies Chapters 0:00 – Market Update & Volatility Overview 1:03 – What Triggered This Correction 4:38 – Are These Tariffs Temporary or Here to Stay? 10:51 – What We’re Telling Clients Right Now 16:51 – Smart Strategies to Consider Today 25:01 – Final Thoughts & Staying Disciplined Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    29 min

  9. 2025-03-30

    The Hardest Part of Retirement Planning (It’s Not What You Think) - Ep. 4

    What’s the hardest part of retirement planning? It’s probably not what you think—and we’re breaking it down with real talk, personal stories, and practical strategies.📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com Matt Magee: Mmagee@mforcecapital.com📌 About:In this episode of The Paper Gain Show, Jonathan Rankin and Matt McGee dive into what really makes retirement planning difficult—and it’s not just the numbers. From managing trade-offs between living for today vs. saving for tomorrow, to avoiding the trap of comparing your retirement to someone else's, this episode is full of real insights and laughs.They also answer big questions:✅ Should Social Security be taxed?✅ Is now the time for a Roth conversion?✅ Should you take a pension lump sum or monthly income?✅ Is buy & hold really the best investment strategy?❓ QUESTION:What’s been the hardest part of planning for retirement for you? Drop your thoughts in the comments — we’d love to hear from you!⏳ Chapters (7 Total for Flow & SEO):0:00 – Welcome + What’s the Hardest Part About Retirement Planning?1:00 – The Real Struggle: Living for Today vs. Saving for Tomorrow4:59 – Should Social Security Be Taxed? Our Take on the Debate9:00 – Is Now the Right Time for a Roth Conversion?12:51 – Pension Payout: Lump Sum or Lifetime Income?18:34 – Buy & Hold vs. Active Investing in a Volatile Market22:59 – Bracket Talk: March Madness, Trash Talk & Final PredictionsDisclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    25 min

  10. 2025-03-20

    Financial Advisor Reveals: Retirement Laws That Must GO in 2025 - Ep. 03

    🔹 What if the 4% Rule is Wrong? 🔹 Is the classic 4% retirement withdrawal rule outdated? With changing market conditions, inflation concerns, and varying financial strategies, it's time to rethink this long-standing retirement planning rule. We debate whether it still holds up today, what experts recommend instead, and how it impacts your retirement plan. Plus, we discuss tax-saving strategies, smart car buying vs. leasing decisions, and what’s next for interest rates in 2024! 📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.com 🔎 About: We dive into one of the most controversial financial planning topics—the 4% rule—and whether it still works in today’s economy. Learn about alternative withdrawal strategies, the impact of inflation, and why investment returns might not match historical expectations. Plus, we discuss real-world retirement spending habits, car buying vs. leasing for retirees, and upcoming tax changes that could impact your wealth. If you’re planning for retirement, investing, or just want to stay ahead of financial trends, this episode is a must-watch! ⏳ Chapters: 00:00 Welcome to Paper Gains! 00:12 The 4% Rule Debate: Does It Still Work? 02:30 How Investment Returns Impact Retirement Withdrawals 04:50 The Problem with One-Size-Fits-All Retirement Rules 06:40 What Laws Should Change in Retirement Planning? 08:50 HSA & Roth IRA Rule Changes We Want to See 12:00 The Fed’s Next Move: Will Interest Rates Change? 16:00 Buying vs. Leasing a Car in Retirement – Which Is Better? 20:30 How Much Are Retirees REALLY Spending? 25:00 Biden’s Tax Plan: No Taxes Under $150K?! 27:30 March Madness Bracket Predictions Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions. Theorem Wealth Management and mFORCE Captial are not a tax advisor, please consult a tax professional.

    29 min

  11. 2025-03-12

    Economic Uncertainty: Are We Headed for a Recession? (EP. 2)

    Are we on the edge of a major recession? With the markets dipping into correction territory, investors are asking: What should we do now? In this episode of The Paper Gain Show, we break down the latest market trends, strategies for navigating volatility, and whether a recession is on the horizon. 📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com Matt Magee: Mmagee@mforcecapital.com 🔎 About: In this episode, hosts Jonathan Rankin and Matt McGee analyze the current market downturn, discussing why volatility has returned, how tariffs and economic policies could impact investors, and whether now is the time to buy, sell, or hold. They also cover essential financial planning strategies, the impact of recessions on employment and life insurance, and the role of donor-advised funds in tax-efficient giving. Whether you're a seasoned investor or just looking for practical financial advice, this episode has you covered! 💬 QUESTION: What’s your biggest concern about the market right now? Drop your thoughts in the comments! 📖 Chapters: 00:00 – Market Volatility Returns 02:10 – Are We Headed for a Recession? 05:45 – What Should Investors Do Now? 09:30 – How Market Cycles Affect Retirement Planning 13:15 – The Hidden Risk of Employer-Provided Life Insurance 16:20 – Tax-Efficient Giving with Donor-Advised Funds 20:40 – Why Longevity Planning is Key to Retirement Success 24:00 – Simple Ways to Stay Active & Healthy in Retirement 27:00 – Final Takeaways: Stay Calm, Stay Invested Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    28 min

  12. 2025-03-06

    The Paper Gains Show - Social Security Broke, Buffett's 💰, Roth vs Traditional and MORE

    Welcome to the first episode of Paper Gains! 🎉 In this episode, financial advisors Johnathan Rankin and Matt Magee dive into some of the biggest financial topics on retirees' minds right now: 💰 Is Social Security Going Bankrupt? – Will benefits still be there when you need them? 📉 Market Volatility & Economic Trends – What recent layoffs and government cuts mean for your retirement. 💡 Warren Buffett’s $300B Cash Pile – Should you be sitting on the sidelines too? 📊 Is Apple Losing Its Edge? – What Buffett’s moves say about the future of investing. 🏆 Physical Gold vs. ETFs – Is holding gold actually a smart strategy? 💸 Roth vs. Pre-Tax Retirement Accounts – Should you rethink your tax strategy before it’s too late? We’re here to cut through the noise and help you make smart, tax-efficient decisions for your financial future. 🔔 Subscribe for weekly episodes filled with real, actionable retirement advice! 📩 Got questions or a topic you want us to cover? Drop a comment below #RetirementPlanning #SocialSecurity #Investing #PersonalFinance #PaperGainsPodcast Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

    29 min
  • 12 Episodes

About

A show about Wealth, for YOUR Wealth. Paper Gains is the no-nonsense, straight-talking podcast for high-net-worth individuals, business owners, and future retirees who want to maximize wealth, minimize taxes, and build a financial future they can actually enjoy. Hosted by financial advisors Johnathan Rankin and Matt Magee, we cut through the noise and break down the biggest financial topics—from Social Security myths and tax-efficient investing to market trends and estate planning strategies. No get-rich-quick schemes. No financial jargon. Just real, actionable advice. New Episodes Weekly!

Information

  • Creator
    Johnathan Rankin and Matt Magee
  • Years Active
    2K
  • Episodes
    12
  • Rating
    Clean
  • Copyright
    © Johnathan Rankin and Matt Magee
  • Show Website
    Paper Gains Show