Gimme Some Truth | Investing, Financial Advice for High-Net-Worth Families and Individuals

Walkner Condon Financial Advisors
  • 4.8 (20)
  • Investing
  • Updated Weekly

In a world full of financial information – and misinformation – what do you believe and incorporate into your life, and what do you throw away? As an independent, fee-only financial advisor, one of our founding pillars is education. Through accessible, transparent communication, we help filter out the noise for our clients to allow them to focus on their financial future. The goal of our podcast, Gimme Some Truth, is no different. From the corner of Monroe St. in Madison, WI, we cover the intersection of financial planning, investing, and everyday life. Disclosure: walknercondon.com/podcast

  1. Why Retirement Is Harder Than You Think, Part 2: Hidden Costs, Tax Traps & Tough Conversations

    2d ago

    Why Retirement Is Harder Than You Think, Part 2: Hidden Costs, Tax Traps & Tough Conversations

    Clint and Nate are back for another honest conversation about what retirement actually looks like — and what most people don't see coming. Retirement planning isn't just about the numbers. In this episode of Gimme Some Truth, Clint and Nate dig into the real social and financial challenges that catch people off guard once they stop working. They start with something almost nobody plans for: what happens when spouses have completely different visions of retirement. One partner wants to travel, the other wants to keep working part-time — and neither has said it out loud. From there, they tackle the "I'll just consult" plan that so many pre-retirees lean on. It sounds easy in theory, but the reality is more complicated than most people expect — especially once you factor in the tax implications, Medicare timing, and Social Security coordination. The conversation also covers one of the most emotionally loaded topics in retirement planning: gifting money to your kids. Clint and Nate explain how well-meaning gifts can create unintended expectations, and why transferring your house to your children before you pass away can trigger serious tax consequences (including losing the stepped-up cost basis). They also break down a growing line item in retirement budgets: wellness spending. Personal trainers, red light therapy, supplements, gym memberships — these costs add up faster than most people anticipate, and they're rarely part of the original plan. Whether you're five years out from retirement or already there, this episode will help you think more clearly about the financial and personal decisions ahead — and why open communication with your spouse, your kids, and your advisor is the most valuable tool you have. Topics covered: - Why couples often enter retirement with completely different mindsets - The "I'll just consult" plan and why it's harder than it sounds - Financial impact of part-time consulting on taxes, Medicare, and Social Security - How gifting money to your kids can create unintended expectations - Why transferring your house to your children is usually a tax mistake - The emotional hurdle of taking your first portfolio withdrawal - Die With Zero philosophy and how to build a gifting plan the right way - Budgeting for wellness in retirement — personal trainers, therapy, and more - Why open communication is the #1 tool in your retirement toolkit Chapters: 0:00 – Introduction & Best Movie Sequels 2:10 – What Retirement Really Feels Like 3:25 – Couples & Mismatched Retirement Mindsets 5:55 – The "Maybe I'll Consult" Boomerang 8:19 – Gifting Money to Kids: The Slippery Slope 8:45 – Financial Impact of Consulting (Taxes, Medicare, Social Security) 9:33 – The First Withdrawal Is the Hardest 11:56 – Die With Zero & Gifting Plans Done Right 14:05 – Healthcare & Wellness Costs in Retirement 14:06 – Transferring Your House to Your Kids (Don't Do It) 15:28 – Red Light Therapy, Trainers & the Real Wellness Budget 15:55 – Final Thoughts & Communication as the Core Theme 16:34 – Disclaimer Subscribe @walknercondon Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ———————————————— ADD US ON: LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

    18 min
  2. Gifting Money to Family: Tax Rules, Common Mistakes & What You Need to Know in 2026

    May 25

    Gifting Money to Family: Tax Rules, Common Mistakes & What You Need to Know in 2026

    Thinking about gifting money or assets to your kids or other family members? Before you write that check or transfer that stock, there are some important tax rules and planning pitfalls you need to understand. In this episode of Gimme Some Truth, Nate, Evan, and Polly break down everything you need to know about lifetime gifting — from the 2026 annual gift tax exclusion ($19,000 per recipient) to the lifetime gift tax exemption ($15 million individual / $30 million for married couples). They explain when you need to file Form 709, what types of assets you can gift, and why gifting appreciated stock can actually backfire thanks to the step-up in basis trap. The conversation goes beyond tax rules into the real-world side of gifting that most people overlook. How do you talk to your kids about receiving a large gift? What happens to your child's college financial aid if you gift them money at the wrong time? And why does relinquishing control over the gift matter more than most people realize? They also cover custodial accounts vs. 529 plans, the tax implications of gifting real estate, and the most common pitfalls advisors see when clients try to gift without a plan. Whether you're thinking about helping your kids with a down payment, funding a grandchild's education, or simply passing along wealth while you're alive to see it enjoyed, this episode gives you the framework to do it the right way. Topics covered: - What assets you can gift (cash, stock, real estate, and more) - 2026 annual gift tax exclusion ($19,000) and when to file Form 709 - Lifetime gift tax exemption ($15M individual / $30M married) - The step-up in basis trap when gifting appreciated stock - Real estate gifting considerations - Why communication with gift recipients matters - How gifting affects college financial aid and FAFSA - Custodial accounts vs. 529 plans - Why relinquishing control is essential - Where to start before you gift - Common gifting pitfalls to avoid Check out the related blog post for additional information - https://walknercondon.com/blog/gifting-to-family-members-what-to-know-before-you-give/ Chapters: 0:00 – Introduction & Evan's CFP Journey 1:49 – Polly's Milestone: First Tooth & the Tooth Fairy Economy 3:03 – What Assets Can You Gift? 4:50 – 2026 Annual Gift Tax Exclusion ($19,000) & Form 709 6:13 – Lifetime Gift Tax Exemption ($15M Individual / $30M Married) 6:50 – Gifting Stock: The Step-Up in Basis Trap 9:04 – Real Estate & Other Asset Gifting Considerations 9:57 – Why Communication with Recipients Matters 11:37 – Impact on College Aid & FAFSA 12:41 – Custodial Accounts & 529 Plans 14:52 – The Importance of Relinquishing Control 15:47 – Where to Start Before You Gift 18:13 – Common Gifting Pitfalls to Avoid 21:16 – Best Gifts We Ever Received 21:56 – Closing Thoughts & Contact Information Subscribe @walknercondon Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ———————————————— ADD US ON: LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

    22 min
  3. Why Retirement Is Harder Than You Think: Emotional and Financial Realities Explained

    May 11

    Why Retirement Is Harder Than You Think: Emotional and Financial Realities Explained

    What really happens when you retire? In this episode of Gimme Some Truth, hosts Nate Condon and Clint Walkner pull back the curtain on the social and financial realities of retirement — the identity shifts, emotional challenges, and money complexities that most people never see coming. Retirement isn't just a financial milestone — it's a major life transition. From the identity crisis that hits when you no longer have a job title, to the emotional weight of watching your portfolio balance go down instead of up, Nate and Clint explore the retirement planning topics that financial advisors rarely talk about. They cover the psychological phases of retirement, how to build structure and purpose after leaving work, why the distribution phase is the most complex part of financial planning, and how stress testing your retirement plan can bring real peace of mind. Whether you're 10 years out from retirement or stepping into it now, this conversation will help you understand what to expect — and how to prepare for the emotional and financial realities of life after work. Topics covered: retirement identity crisis, emotional phases of retirement, retirement planning psychology, building routines in retirement, losing work community, retirement portfolio drawdown anxiety, retirement spending planning, financial advisor for retirees, distribution phase financial planning, non-linear retirement spending, stress testing retirement plan, retirement readiness. 📌 Chapters: 0:00 – Introduction & Why Retirement Is Harder Than It Looks 1:46 – The Phases of Retirement — When the "Vacation" Feeling Wears Off 2:00 – The Retirement Identity Crisis: Who Are You Without Your Job? 3:06 – Scheduling Your Day & Building New Routines After Work 4:06 – Losing Your Work Community & Why It Hits Harder Than Expected 6:29 – The Emotional Burden of Watching Your Portfolio Balance Decline 7:38 – Could You Be Retired Longer Than You Worked? 9:58 – Why You Need a Financial Advisor in Retirement & What to Look For 11:38 – The Distribution Phase: The Most Complex Part of Financial Planning 16:11 – Non-Linear Retirement Spending: Budgeting for Big Unexpected Expenses 18:37 – The Psychology of Big Money Movements in Retirement 21:14 – Stress Testing Your Retirement Plan for Peace of Mind 22:21 – Wrapping Up Part 1 & What's Coming in Part 2 Subscribe @walknercondon Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ———————————————— ADD US ON: LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

    26 min
  4. AI and Value Investing: Is the Growth Stock Era Over?

    Apr 27

    AI and Value Investing: Is the Growth Stock Era Over?

    In this episode of Gimme Some Truth, we explore the massive shift happening in the markets. For over a decade, Growth stocks have dominated, but Artificial Intelligence might be the very catalyst that brings Value Investing back to the forefront. We break down the "AI Build-out" and why sectors typically labeled as "Value"—like Energy, Utilities, and Industrials—are becoming the backbone of the AI revolution. If you are worried about S&P 500 concentration risk and being too heavy in Big Tech, this episode is a must-watch. What we cover in this episode: - The Growth vs. Value Trade: Why the tide is turning after 15 years. - AI Disruption: How AI is actually challenging the valuation of traditional growth companies. - Concentration Risk: The dangers of a tech-heavy portfolio in today's market. - The AI Infrastructure Play: Which value sectors stand to gain the most from the AI build-out. - Market History: Lessons from past bubbles (2000, 2008) and how they apply to the AI boom. Don't let recency bias dictate your strategy. We discuss why now is the time to review your portfolio and ensure you aren't over-exposed to a single trade. 🕒 Timestamps: 00:00 Value vs Growth Returns01:22 AI Shakes Up Markets01:59 Hazel AI Fintech Example03:43 S&P 500 Concentration Risk06:02 Data Centers Favor Value07:12 Jobs Fed and Deflation10:44 Valuations Small Caps13:51 Index Funds Need Rebalance17:27 Pasta Picks Break20:21 Diversify Before Storms21:24 Disclosures and Outro#ValueInvesting #GrowthStocks #AIInvesting #StockMarket2026 #PortfolioDiversification #TechBubble #S500 #FinancialAdvice #GimmeSomeTruth #MarketRotation #ValueVsGrowthSubscribe  @walknercondon  Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ————————————————ADD US ON:LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon #ValueInvesting #GrowthStocks #AIInvesting #StockMarket2026 #PortfolioDiversification #TechBubble #S500 #FinancialAdvice #GimmeSomeTruth #MarketRotation #ValueVsGrowth Subscribe @walknercondon Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ———————————————— ADD US ON: LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

    23 min
  5. Q1 2026 Analysis: Geopolitical Tensions, The Saas Selloff, and Volatility Returns

    Apr 20

    Q1 2026 Analysis: Geopolitical Tensions, The Saas Selloff, and Volatility Returns

    Join hosts Syl Michelin, CFA and Clint Walkner as they break down the key market themes from Q1 2026. In this episode, Syl and Clint cut through the headlines to focus on what the market is actually telling investors — covering geopolitical tensions, energy prices, AI infrastructure spending, the SaaS selloff, crypto, gold, bonds, and international stocks. From the 10% market correction to the value vs. growth repricing, they analyze what matters most for your portfolio in 2026. Whether you're evaluating US mega cap tech valuations after the selloff, considering international diversification, or wondering if bonds deserve a place in your portfolio, this episode delivers data-driven market analysis you can act on. Topics covered: Q1 2026 market recap, geopolitical risk and market corrections, oil prices in historical context, AI energy demand and infrastructure, SaaS creative destruction, value vs. growth investing, crypto and gold performance, market timing pitfalls, bond investing in 2026, international stocks vs. US stocks, non-USD diversification strategies. 📌 Chapters: 0:00 – Introduction & Q1 2026 Market Overview 0:29 – Disconnect Between Headlines & Market Reality 1:27 – Geopolitical Tensions & the 10% Market Correction 2:35 – Oil Prices in Historical Context 3:55 – AI Infrastructure & the Energy Demand Problem 7:20 – The SaaS Apocalypse & Creative Destruction 9:55 – Value vs. Growth Repricing in Q1 2026 10:40 – US Mega Cap Tech Valuations After the Selloff 11:10 – Crypto & Gold Selloff Explained 13:54 – Why Timing the Market Around Events Fails 16:34 – International Stocks vs. US Stocks 17:57 – The Case for Bonds in 2026 18:54 – International Bonds & Non-USD Diversification Subscribe @walknercondon Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ———————————————— ADD US ON: LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

    19 min
  6. Abbott Acquires Exact Sciences: Planning Opportunities for Employees with Company Stock

    Apr 13

    Abbott Acquires Exact Sciences: Planning Opportunities for Employees with Company Stock

    With Exact Sciences stockholders officially approving the merger with Abbott on February 20, 2026, the Q2 closing date is fast approaching. For employees, this means unvested RSUs are accelerating, 401(k) holdings are shifting to cash, and a significant "tax cliff" is looming in 2026.In this deep dive, Clint Walkner and Mitch DeWitt break down the strategic financial moves Exact Sciences employees can make now to protect their windfall and minimize the IRS’s cut.What We Cover:- The $105 Cash Payout: How the all-cash deal impacts your RSUs, PSUs, and ESPP.- The 2026 Tax Spike: Why accelerated vesting could push you into a higher tax bracket and how to "bunch" deductions to fight back.- 401(k) & HSA Strategies: Should you pivot to Pre-Tax or Roth during a windfall year?- Risk Management: How to handle the uncertainty of future roles and potential layoffs post-merger.- Charitable Giving: Using Donor-Advised Funds (DAFs) to offset your 2026 gains.Timeline of the Deal:0:00 Deal Overview: The Abbott/Exact Sciences Merger1:00 Updates: What’s changed since the November announcement?3:43 Cash Deal Timing: Preparing for a Q2 2026 close5:12 2026 Tax Planning: Managing the "Windfall Year"9:04 Advanced Moves: Charity, DAFs, and Trading Windows10:43 Goal Assessment: What to do with the cash (Debt vs. Savings)14:12 Employment Risk: Liquidity and Emergency Reserves16:48 Next Steps: Coordinating with your Tax ProResources for Exact Sciences Employees:https://walknercondon.com/blog/what-happens-to-my-exact-sciences-stock-after-the-abbott-acquisition/Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ————————————————ADD US ON:LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

    19 min
  7. Is the U.S. Dollar Losing Reserve Currency Status? The Data Says…

    Mar 30

    Is the U.S. Dollar Losing Reserve Currency Status? The Data Says…

    Is the U.S. dollar losing its status as the world’s reserve currency — or is the de-dollarization narrative overblown?In this episode of Gimme Some Truth, we separate fact from fiction on de-dollarization, global reserve currency shifts, and what the data actually says about the future of the U.S. dollar. With growing headlines about central banks buying gold, BRICS nations exploring alternatives, and tariff policies impacting currency markets, many investors are asking whether dollar dominance is fading.We examine reserve currency data, gold allocations, global liquidity dynamics, and why the U.S. dollar still represents roughly 55–60% of global reserves. More importantly, we discuss what this means for portfolio construction, currency diversification, international investing, and risk management in 2026 and beyond.If you’re concerned about currency risk, inflation, or global capital flows, this breakdown provides historical perspective and practical investment strategy.🎯 What You’ll Learn:- What de-dollarization really means- Why the de-dollarization narrative is trending now- The role of gold in central bank reserves- How tariff policy impacts U.S. dollar strength- Why the dollar remains the dominant global reserve currency (55–60%)- The liquidity advantage of U.S. capital markets- Where capital flows when investors reduce dollar exposure- How to position your portfolio for currency fluctuations💡 Key Insights:- Today’s dollar levels are similar to the 1990s — possibly normalization, not crisis- No viable alternative currency matches U.S. market depth and liquidity- Unhedged international stocks and bonds provide currency diversification- Every fiat currency depreciates over long time horizons- “The Death of the Dollar” narrative dates back to 1968📊 Portfolio Strategies for Currency Risk:- Invest in unhedged foreign equities and bonds- Consider precious metals and commodities as diversifiers- Understand how currency movements impact international returns- Maintain strategic global diversification⏱️ CHAPTERS:0:00 Introduction 16:16 De-Dollarization Explained16:58 Why De-Dollarization Is Trending17:47 Gold & Global Reserve Currency Shifts18:39 U.S. Dollar Policy & Political Impact19:56 Tariffs and Their Impact on the Dollar21:15 Dollar Normalization vs. Crisis Narrative21:51 Where Capital Flows When Leaving the Dollar22:34 The Data: Why the Dollar Is Still Dominant23:57 Why There’s No True Alternative Reserve Currency25:18 Portfolio Construction for Currency Risk26:25 Foreign Stocks & Currency Exposure28:52 “The Death of the Dollar” (1968 Perspective)30:26 Historical Context & Long-Term Trends31:38 Precious Metals & Commodity Allocation32:38 Final Thoughts📚 Read the full analysis: https://walknercondon.com/blog/de-dollarization-rise-of-currency-alternatives/📞 Talk to an advisor: www.walknercondon.com#dedollarization #USDollar #CurrencyMarkets #GlobalInvesting #ReserveCurrency #PortfolioStrategy #InternationalInvestingSUBSCRIBE: @walknercondon For more on this topic and others check out the blog on our website: https://walknercondon.com/blog/ Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ————————————————ADD US ON:LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

    18 min
  8. Rethinking Portfolio Strategy: The Rise of Alternative Investments

    Mar 16

    Rethinking Portfolio Strategy: The Rise of Alternative Investments

    What are alternative investments — and should they be part of your portfolio? In this episode of Gimme Some Truth, we break down alternative investments, including private equity, private debt, real estate, and venture capital, and explain how they compare to traditional stocks and bonds. If you're exploring portfolio diversification strategies or wondering whether alternative assets make sense for retail investors, this episode covers what you need to know. As alternative investments become more accessible, investors are increasingly considering them for non-correlated returns, asymmetric upside potential, and long-term wealth building. However, alternatives also come with unique risks — including liquidity constraints, higher fees, regulatory considerations, and complexity. 🎯 What You’ll Learn: What alternative investments are (private equity, private debt, venture capital, real estate) Why alternative assets matter in modern portfolios Private equity vs. private debt explained clearly Liquidity risks and lock-up periods Historical access limitations and regulation changes Interval funds as a retail investor entry point How much of your portfolio to allocate (5–10% guideline) Non-correlation and diversification benefits Fee structures and due diligence considerations The future of alternatives including tokenization ⏱️ CHAPTERS: 0:00 Introduction 0:35 What Are Alternative Investments? (Definition Explained) 1:41 Why Alternative Investments Matter Today 3:17 Private Equity vs. Private Debt Explained 5:05 Historical Access & Regulatory Changes 6:30 Liquidity Risks & Lock-Up Periods 8:02 Financial Planning Considerations 8:52 Interval Funds for Retail Investors 9:18 How Much to Allocate to Alternatives (5–10% Rule) 10:35 Non-Correlated Returns & Diversification Benefits 11:30 Understanding Fee Structures 12:04 The Future of Alternative Investments 12:20 Tokenization & Financial Innovation 13:45 Why Working with a Financial Advisor Matters 14:46 Wrap Up & Additional Resources 📚 Read the full Market Outlook article: https://walknercondon.com/blog/rise-of-alternative-investments/ 📞 Schedule a consultation: www.walknercondon.com #AlternativeInvestments #PrivateEquity #PrivateDebt #PortfolioDiversification #WealthManagement SUBSCRIBE: @walknercondon For more on this topic and others check out the blog on our website: https://walknercondon.com/blog/ Visit our website for more financial planning resources and educational information: https://www.walknercondon.com ———————————————— ADD US ON: LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/walknercondon

    16 min
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Ratings & Reviews

4.8
out of 5
20 Ratings

About

In a world full of financial information – and misinformation – what do you believe and incorporate into your life, and what do you throw away? As an independent, fee-only financial advisor, one of our founding pillars is education. Through accessible, transparent communication, we help filter out the noise for our clients to allow them to focus on their financial future. The goal of our podcast, Gimme Some Truth, is no different. From the corner of Monroe St. in Madison, WI, we cover the intersection of financial planning, investing, and everyday life. Disclosure: walknercondon.com/podcast

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