That Financial Guy

Keith Wilson
  • 4.2 (5)
  • INVESTING
  • UPDATED WEEKLY

That Financial Guy is a podcast dedicated to making financial planning and investing easy to understand and to implement. Keith and Jack Wilson are practicing financial advisors who own a financial planning firm, Wilson Financial Advisors. They are a father and son team "spreading a wealth of information" helping you along your personal finance journey. Whether its personal finance including investments, retirement planning, estate planning, financial planning, college funding, budgeting and more you will find it here! Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. 

  1. Why A Written Plan Changes Behavior

    2D AGO

    Why A Written Plan Changes Behavior

    Most people don’t fail financially because they lack information. They fail because behavior breaks down when life gets emotional, unpredictable, or uncertain. In this episode, I explain why a written financial plan changes behavior in a way advice alone never can. A real plan isn’t about predicting the future perfectly. It’s about being prepared when life changes, because life always does. I walk through real client stories, including how one client’s commission-based income led to a larger emergency fund that later protected them after a job loss, how another client stopped emotionally reacting to market downturns once volatility was accounted for in their plan, and why even unexpected events like divorce are easier to navigate when a plan already exists. You’ll also hear why it’s better to be approximately right than one hundred percent wrong, why gathering documents and completing questionnaires actually matters, how modern digital financial plans act as living, breathing tools, and why reviewing your plan annually is essential to staying aligned with real life. It’s about clarity, confidence, and having a steady framework to return to when things change. Helping you to be wise with your money! To see more videos discussing personal finance Subscribe: https://www.youtube.com/channel/UCbDA... For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkup https://wfa-nc.com/retirement-plan-ch... To schedule a complimentary consultation with me: 👉...

    20 min
  2. The Complete Guide To Inheriting An IRA

    DEC 16

    The Complete Guide To Inheriting An IRA

    In this episode I walk through one of the most confusing areas in retirement planning today, the rules for inherited IRA and inherited Roth IRA accounts. I start with the simplest scenario, when a spouse inherits an IRA, and then work step by step into increasingly complex situations including non spouse beneficiaries, the ten year rule, Required Beginning Date considerations, eligible designated beneficiaries, stretch IRA rules for pre 2020 deaths, and how to determine whether the deceased had reached their RMD age. I also break down one of the most misunderstood topics in this area, what happens when someone inherits an IRA that was already inherited once before. I explain how the rules differ depending on whether the original owner died before or after the Secure Act, and when the stretch rule continues versus when the ten year clock applies. The episode also covers trust beneficiaries, see through trust requirements, five year rules, complications with multiple trust beneficiaries, and why a poorly drafted trust can unintentionally accelerate distributions. This episode provides a clear, detailed roadmap to understanding the rules and avoiding costly mistakes.  Helping you to be wise with your money! To see more videos discussing personal finance Subscribe: https://www.youtube.com/channel/UCbDA... For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkup https://wfa-nc.com/retirement-plan-ch... To schedule a complimentary consultation with me: 👉...

    33 min
  3. Money Lessons Across Generations

    DEC 9

    Money Lessons Across Generations

    In this episode of That Financial Guy Show, Keith Wilson welcomes a special guest — his son, Jack Wilson — for a candid and entertaining conversation about how different generations think about money. From patience vs, impatience to lifestyle creep, adaptability, communication, and the classic “start early” lesson, Keith and Jack break down what younger and older investors can learn from each other. Jack shares the real financial mindset of today’s 20 somethings, including the pressures of higher costs, student loans, and the desire for flexibility over traditional retirement timelines. Keith offers the perspective of investors who grew up prioritizing stability, consistency, and long term planning. Together, they reveal how these different money lenses can complement each other rather than clash. The two tackle the myths each generation carries, the habits that hold people back, and the opportunities that open up when families talk honestly about money. You’ll hear about adapting to new financial tools, avoiding lifestyle creep, building patience, and using early habits to your advantage no matter your age. If you want a fun, relatable look at money through two different generational perspectives — with plenty of father son banter mixed in — this episode delivers real insights anyone can use. Helping you to be wise with your money! To see more videos discussing personal finance Subscribe: https://www.youtube.com/channel/UCbDA... For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkup https://wfa-nc.com/retirement-plan-ch... To schedule a complimentary consultation with me: 👉...

    22 min
  4. The First 10 Years of Retirement Matter More than the Last 20

    DEC 2

    The First 10 Years of Retirement Matter More than the Last 20

    The first decade of retirement isn’t just another phase — it’s the most important chapter of your entire retirement journey. In this episode of That Financial Guy Show, Keith Wilson breaks down why the first 10 years set the trajectory for everything that comes after. From spending patterns and taxes to Social Security timing, sequence of returns risk, identity shifts, and health — this episode shows why your early retirement decisions matter more than you think. You’ll learn:  • Why the “Go-Go Years” (your 60s and early 70s) set the pace for spending  • How sequence of returns can make or break a portfolio in the early years  • Why your first decade is a tax-planning goldmine  • How Social Security timing shapes long-term income  • The emotional side of retirement that people don’t talk about  • Common mistakes retirees make early — and how to avoid them  • How to build habits that make the next 20 years smoother and more secure Retirement isn’t something that happens to you — it’s something you design. And the first decade is where the blueprint comes together. 🎧 Tune in to learn how to make the early years of retirement intentional, flexible, and financially confident. Helping you to be wise with your money! To see more videos discussing personal finance Subscribe: https://www.youtube.com/channel/UCbDA... For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkup https://wfa-nc.com/retirement-plan-ch... To schedule a complimentary consultation with me: 👉...

    34 min
  5. The Hidden Tax Traps In Retirement

    NOV 18

    The Hidden Tax Traps In Retirement

    Retirement isn’t just about what you earn — it’s about what you keep. In this episode of That Financial Guy Show, Keith Wilson breaks down the overlooked tax traps that quietly drain retiree income and create unnecessary stress. From Social Security taxation to IRMAA surcharges, Keith explains how to spot — and avoid — the hidden tax bites that come from well-intentioned decisions. You’ll learn:  • How the “stacking rule” for income determines whether your capital gains are taxed at 0%, 15%, or 20%  • Why even municipal bond interest can make your Social Security taxable  • How one large IRA withdrawal can raise your Medicare premiums two years later  • The truth about Required Minimum Distributions (RMDs) and how Roth conversions or Qualified Charitable Distributions (QCDs) can help  • Why mutual fund distributions can create surprise tax bills in taxable accounts  • What the 3.8% Net Investment Income Tax (NIIT) really applies to  • How to design an income sequence across taxable, tax-deferred, and Roth accounts to stay efficient for life Because managing taxes in retirement isn’t about doing more — it’s about doing things in the right order. 🎧 Tune in for a clear, practical deep dive into how to make your money last longer by keeping more of what you’ve already earned. Helping you to be wise with your money! To see more videos discussing personal finance Subscribe: https://www.youtube.com/channel/UCbDA... For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkup https://wfa-nc.com/retirement-plan-ch... To schedule a complimentary consultation with me: 👉...

    46 min
  6. Lessons Learned from 2025

    NOV 11

    Lessons Learned from 2025

    Every year teaches investors something new — and 2025 was no exception. In this episode of That Financial Guy Show, Keith Wilson looks back at the biggest financial lessons from the year — what the markets reminded us, what changed for good, and what timeless truths still hold. You’ll learn:  • Why the February–April correction proved that patience beats panic every time  • How corrections are normal (they happen nearly every year) — and why staying invested works  • Why cash is useful, but not a long-term strategy  • How The One Big Beautiful Bill changed the tax landscape — and why smart planning still matters • Why inflation never really disappears (and what it means for retirees) • How simplicity and clarity can bring more confidence than complexity ever could • And why the best financial plan is one you keep updating, not one you file away Because real financial success isn’t about predicting the next move — it’s about learning, adapting, and preparing for whatever comes next. 🎧 Tune in to reflect on 2025 — and make sure 2026 starts on the right foot. Helping you to be wise with your money! To see more videos discussing personal finance Subscribe: https://www.youtube.com/channel/UCbDA... For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkup https://wfa-nc.com/retirement-plan-ch... To schedule a complimentary consultation with me: 👉...

    29 min
  7. Why Income Planning Matters More Than Growth

    NOV 4

    Why Income Planning Matters More Than Growth

    You’ve spent decades focused on growing your money — but once you retire, the game completely changes. In this episode of That Financial Guy Show, I explain why successful retirement isn’t about chasing returns, it’s about building reliable income that lasts. You’ll learn:  • The crucial difference between investment planning and income planning  • How to protect yourself from sequence-of-returns risk — the silent portfolio killer  • Why creating a “retirement paycheck” is more important than tracking daily market swings  • How to organize your money into short-term, mid-term, and long-term buckets for stability and growth  • The role of taxes and withdrawal order in maximizing retirement income  • How to build flexibility so your plan holds up in both good and bad markets Because the real goal isn’t to have the biggest portfolio — it’s to have the most dependable lifestyle. 🎧 Tune in and learn how to turn your savings into an income plan that works as hard as you did. Helping you to be wise with your money! To see more videos discussing personal finance Subscribe: https://www.youtube.com/channel/UCbDA... For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkup https://wfa-nc.com/retirement-plan-ch... To schedule a complimentary consultation with me: 👉...

    19 min

  8. OCT 28

    Money, Marriage, and Miscommunication — Why Love and Finance Don’t Always Speak the Same Language

    They say opposites attract… until it’s time to talk about money. In this episode of That Financial Guy Show, I unpacke the emotional and practical side of managing money as a couple — and why love and finance often speak completely different languages. You’ll learn:  • Why most money fights aren’t really about money at all — and what they actually mean • The four common money personalities and how they clash (Saver, Spender, Avoider, Planner) • How couples miscommunicate about retirement goals, daily spending, and “financial fairness” • Simple steps to create transparency, reduce resentment, and build teamwork around finances • How to turn money from a source of stress into a shared vision for your future together Whether you’re newly married, approaching retirement, or somewhere in between — this episode helps you bridge the financial gap between love, logic, and lasting partnership. Because financial planning isn’t just about numbers — it’s about understanding the person across the table. Helping you to be wise with your money! To see more videos discussing personal finance Subscribe: https://www.youtube.com/channel/UCbDA... For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkup https://wfa-nc.com/retirement-plan-ch... To schedule a complimentary consultation with me: 👉...

    17 min
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4.2
out of 5
5 Ratings

About

That Financial Guy is a podcast dedicated to making financial planning and investing easy to understand and to implement. Keith and Jack Wilson are practicing financial advisors who own a financial planning firm, Wilson Financial Advisors. They are a father and son team "spreading a wealth of information" helping you along your personal finance journey. Whether its personal finance including investments, retirement planning, estate planning, financial planning, college funding, budgeting and more you will find it here! Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. 

Information

  • Creator
    Keith Wilson
  • Years Active
    2022 - 2025
  • Episodes
    53
  • Rating
    Clean
  • Copyright
    © 2025 That Financial Guy
  • Show Website
    That Financial Guy

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