Metcalf Money Moment the Podcast

Jeb Graham, Ethan Hutcheson, & Eric Wymore
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Unlock financial clarity, confidence, and peace of mind with Metcalf Money Moment – the Podcast. Whether you’re preparing for retirement, navigating a business exit, or building generational wealth, our expert insights provide the clarity and confidence needed to achieve your financial goals. Hosted by Jeb Graham, Ethan Hutcheson, and Eric Wymore—seasoned financial professionals with a deep passion for empowering clients—this podcast brings decades of combined experience in wealth management, retirement planning, estate strategies, and investment advisory services. Each host brings a unique perspective and expertise, ensuring well-rounded and insightful discussions that address the diverse needs of our audience. Every episode explores key topics to empower your financial journey. Discover practical strategies for building generational wealth, planning for retirement, safeguarding your legacy with estate planning, and optimizing savings through tax strategies tailored to high-net-worth individuals. Gain insights on investment approaches for volatile markets, entrepreneurial advice for Kansas City business owners, and guidance on major life events like marriage, home buying, and inheritance planning. Each episode is designed to inspire action and enhance your financial confidence. This podcast is also an essential resource for financial professionals, including CPAs, estate attorneys, and referral partners. Gain valuable insights into wealth management, trust building, business planning, and independent advisory services to better serve your clients and enhance your expertise. Our discussions provide the tools to deepen relationships and stay ahead in the financial industry. At Metcalf Money Moment the Podcast, we believe in making financial education accessible and impactful. Join us to discover how thoughtful, proactive planning can transform your financial future. Subscribe today to ensure you never miss an episode, and start making every money moment count! Meet the Hosts: Jeb Graham is the CEO and Managing Partner at Metcalf Partners Wealth Management. Before founding Metcalf Partners, he was a Financial Advisor in Overland Park, KS. Active in the Kansas City community, Jeb serves on the Kansas City Chapter Board of Entrepreneur Organization (EO). He holds a Finance degree from Kansas State University and a CFP® designation, with additional executive education in retirement planning from Wharton. Ethan Hutcheson is a Partner and Financial Planner at Metcalf Partners, passionate about helping people prepare, plan, and execute. With a career in Financial Services, his expertise spans Financial Planning, Tax, and Investment Management. Outside work, Ethan enjoys hunting, cycling, and outdoor activities with his wife Shanna and their sons, Rhett and Levi. Eric Wymore is a Partner and Wealth Manager at Metcalf Partners Wealth Management, with a career dedicated to wealth management. As an Accredited Investment Fiduciary, he prioritizes acting in clients’ best interests. Originally from southeast Iowa, Eric has lived in Kansas City for 20 years with his wife Becky and their sons, Gabe and Nolan. He holds a Finance degree from Iowa State University. Metcalf Website: https://www.metcalfpartners.com/

  1. Ep 33 - Maximize Your Business Valuation Before You Exit with Stephen Hilborn & Timothy Hosie

    MAY 6

    Ep 33 - Maximize Your Business Valuation Before You Exit with Stephen Hilborn & Timothy Hosie

    Most business owners spend decades building something valuable and far too little time planning how to actually leave it. On Metcalf Money Moment, Jeb, Ethan, and Eric sit down with Stephen Hilborn and Timothy Hosie of Planned Exit Partners to explore business exit strategy from every angle. Whether it is a private equity deal, an ESOP, or a management buyout, the guests reveal what truly drives business valuation, how to reduce key-man risk and customer concentration, and why starting exit planning at least 5 years out creates the most options and the most value. What you will learn in this Episode: Why business exit strategy planning should begin well before the five-year mark and how starting early opens up more exit planning pathways. How reducing key man risk and customer concentration directly increases your EBITDA multiple and makes your company more attractive to private equity buyers and strategic acquirers. What tools, like exit readiness assessments, business valuation reports, and discovery checklists, can help owners understand where gaps exist in their business transfer plan so they can close those gaps before going to market? Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey! TIMESTAMPS: 00:00 Planned Exit Partners frame the conversation around exit planning 03:45 Why starting exit planning early creates more options and better business valuation outcomes 05:53 The team discusses the scale of business transfer demand and how the Exit Planning Institute data reveals owner readiness gaps 07:00 Breaking down ESOP, management buyout, and family succession 12:23 Private equity fund structure and why lower middle market buyers typically offer higher EBITDA multiples to business owners 17:30 Breaking down the three risks that drive business valuation KEY TAKEAWAYS: Succession planning is not a one-time event. It is an ongoing process that requires years of intentional effort to strengthen management, improve financial reporting, and reduce owner dependency, so the business can stand on its own before it ever goes to market. Seller financing and installment structures are common across nearly every business transfer pathway, including private equity, family succession, and management buyouts, meaning structure and payment terms matter just as much as the headline valuation number. Enterprise value is built or lost long before the sale conversation begins. Owners who address customer concentration, document processes, and secure key leadership years in advance. ABOUT THE GUESTS: Timothy Hosie is the Founder and Managing Director at Planned Exit Partners, advising lower-middle-market business owners through exit planning and sell-side M&A transactions. With over eight years of experience across transportation, construction, marketing, and industrial services, Tim helps owners navigate the sale process with clarity while aligning outcomes to their financial and personal goals. Stephen Hilborn is Managing Director at Planned Exit Partners, supporting business owners through every stage of ownership transition. He leads sell-side, corporate development, and exit planning engagements, guiding owners through exit options, readiness assessments, and succession planning. His industry expertise spans aviation, construction, engineering, and manufacturing. Planned Exit Partners - LinkedIn Planned Exit Partners - Website DISCLAIMER: This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor. RESOURCES MENTIONED: Metcalf Partners - Website Jeb Graham - LinkedIn Ethan Hutchison - LinkedIn Eric Wymore - LinkedIn

    23 min
  2. Ep 32 - Investing During Uncertainty: War, Elections & Your Money

    APR 22

    Ep 32 - Investing During Uncertainty: War, Elections & Your Money

    Investing amid uncertainty is the focus of this week's Metcalf Money Moment, as Jeb, Ethan, and Eric unpack what the data say about market volatility during wars and elections. Across 20 major geopolitical events since World War II, stocks recovered in an average of 47 trading days. Election year investing also shows surprising strength, with 83% of presidential election years producing positive S&P 500 returns. The team explores how to protect your portfolio during geopolitical uncertainty and why staying the course almost always beats reacting to headlines. What you will Learn in this Episode: ✅ How investing during uncertainty has historically played out across major conflicts, including the Korean War, Cuban Missile Crisis, and 9/11, and why stock market recovery tends to happen faster than most investors expect. ✅ Why election year investing is less about which party wins and more about the market cycle itself, and what the data shows about midterm elections and the strong performance that typically follows them. ✅ Practical steps for managing market volatility, including opportunistic rebalancing, building a cash allocation buffer, and why dollar cost averaging can smooth your entry point during turbulent periods. Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey! TIMESTAMPS: 00:00 Introduction to investing during uncertainty, war, and what markets historically do during geopolitical risk 03:41 Eric reviews stock market recovery patterns across the Korean War, Cuban Missile Crisis, and Gulf War 10:07 Jeb breaks down election year investing data, party performance, and the truth about political impact on the S&P 500 13:50 What the midterm election cycle means for portfolio management and why 2026 may see a significant market drawdown 16:18 Discussion of diversification, rebalancing, risk and the importance of cash allocation 22:45 The team tackles the question of market timing and why dollar cost averaging versus lump sum investing matters 25:01 Why compound interest and disciplined savings rates build more wealth than trying to time or predict the market KEY TAKEAWAYS: 💎 History shows that geopolitical risk creates short-term fear, but investor emotions are often the biggest threat to long-term wealth. The average drawdown across 20 major conflicts was just 5%, and markets recovered within an average of 47 trading days. 💎 A well-structured financial plan aligned with your risk tolerance is your best defense against volatility. Clients who maintain a stable asset allocation for one to two years rarely need to react when markets drop. 💎 Compound interest and disciplined saving rates build more wealth over time than any attempt at market timing. The most financially successful people focus on what they can control, not on predicting the next crisis. DISCLAIMER: This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor. RESOURCES MENTIONED: Metcalf Partners - Website Jeb Graham - LinkedIn Ethan Hutcheson - LinkedIn Eric Wymore - LinkedIn

    28 min
  3. Ep 31 - Chad Derowitsch: Build Muscle, Live Longer in Retirement

    APR 8

    Ep 31 - Chad Derowitsch: Build Muscle, Live Longer in Retirement

    What if the most important investment you make before retirement has nothing to do with money? On Metcalf Money Moment, hosts Jeb, Ethan, and Eric sit down with longevity coach Chad Derowitsch of KCFITCLUB to talk about healthy aging, muscle mass, and why your body is your greatest asset. Chad breaks down how strength training, smart protein intake, and the right supplementation, including creatine, can transform your retirement years. Whether you are 45 or 70, this episode delivers a practical, data-driven roadmap to staying strong, sharp, and independent for the long haul. What you will Learn in this Episode: Why muscle mass is considered your most important longevity organ and how strength training just two to three times per week can protect your independence as you age, reducing the risk of entering a sedentary, disease-prone lifestyle in retirement. How protein intake powers protein synthesis, fuels your metabolism, and why older adults actually need more protein than younger people to maintain lean body mass, making nutrition the true foundation of healthy aging. How creatine supplements and other key supplements like omega-3s, probiotics, and magnesium play in filling nutritional gaps, supporting brain health, improving sleep recovery, and keeping your body performing at its best after 50. Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey! TIMESTAMPS: 00:00 Chad introduces holistic wellness and his role as a longevity coach at KCFITCLUB. 03:22 Muscle mass is your longevity organ, strength training slows age-related loss, and nutrition being 80% of an active lifestyle 05:34 Discussion of the importance of supplements, the biggest nutrition mistakes people make 10:20 Chad's five steps for easing into healthy aging with consistency 14:20 The role of sleep recovery, mobility training, and inflammation recovery in a complete fitness program KEY TAKEAWAYS: Body composition matters far more than scale weight. Chad explains why shifting focus from pounds lost to body fat percentage and lean muscle mass gives a far more accurate picture of your true health and long-term vitality. Nutrition accounts for roughly 80% of your fitness results. Undereating, skipping protein, or relying on low-carb strategies strips away the very muscle mass your metabolism depends on, leading to yo-yo weight cycling and long-term decline. Mental health and physical health are deeply connected. From journaling and faith to the natural release of hormones through strength training, guarding your mind is just as critical as fueling your body for a thriving retirement lifestyle. ABOUT THE GUEST: Chad Derowitsch is a longevity and metabolic health coach and the founder of KCFITCLUB. With over 20 years of coaching experience and a background in Exercise Science and business (MBA), Chad specializes in helping busy professionals improve muscle mass, metabolic health, and long-term physical independence. His approach combines strength training, body composition analysis, and structured nutrition strategies to help clients stay strong, energetic, and capable as they age. Chad Derowitsch - LinkedIn KCfitclub- Facebook Chad Derowitsch - Instagram KCfitclub - Website DISCLAIMER: This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor. RESOURCES MENTIONED: Metcalf Partners - Website Jeb Graham - LinkedIn Ethan Hutchison - LinkedIn Eric Wymore - LinkedIn

    21 min
  4. Ep 30 - How AI Is Reshaping Wealth Management and Your Future

    MAR 25

    Ep 30 - How AI Is Reshaping Wealth Management and Your Future

    Artificial intelligence investing is no longer a concept of the future. It is reshaping wealth management today. Jeb, Ethan and Eric break down the key AI stocks and players driving this revolution, from model builders like OpenAI and Anthropic to infrastructure giants like Nvidia. They explore how portfolio diversification remains essential as AI transforms industries, including healthcare, logistics and finance. They also discuss real risks, such as hype cycles and market volatility, and share how their firm uses AI tools to serve clients better. This episode is your guide to navigating the AI era with confidence. What you will Learn in this Episode: Who the major artificial intelligence investing players really are, from foundational model builders like OpenAI and Anthropic to infrastructure leaders like Nvidia and Microsoft, and how they each fit into the broader AI stocks landscape that is transforming the global economy. How AI productivity gains are already delivering measurable results across wealth management, healthcare, logistics and retail, and why companies that adopt AI early are gaining a significant competitive edge over those that do not. Why portfolio diversification remains your most powerful tool in the AI era, and how to avoid the common mistakes of chasing hype or making concentrated bets in a fast-moving investment strategy environment. Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey! TIMESTAMPS: 00:00 Artificial intelligence investing overview and why AI is the biggest topic in business today 03:08 Real-world AI applications in wealth management: Jump AI and wealth.com tools explained 06:00 Key AI stocks and players: model builders, semiconductor stocks, and cloud infrastructure 12:00 The AI gold rush analogy and how AI productivity is improving margins at Walmart and Costco 17:23 Market volatility, regulation, economic disruption, and investment strategy for the next decade 23:46 There will be job disruptions in certain industries as a result of AI KEY TAKEAWAYS: You do not need to buy individual AI stocks to benefit from the artificial intelligence boom. Broad index investors already have significant exposure through the Magnificent Seven, which accounts for nearly 50% of the S&P 500's weighting today. Artificial intelligence investing is not only about tech companies. AI is quietly improving profit margins across healthcare, logistics, retail and finance, meaning almost every sector in a diversified portfolio stands to benefit from wider adoption. The professionals who embrace AI productivity tools will outpace those who do not. As Jeb, Ethan and Eric note, the financial advisor who refuses to use AI is the one most at risk, not the profession itself. DISCLAIMER: This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor. RESOURCES MENTIONED: Metcalf Partners - Website Jeb Graham - LinkedIn Ethan Hutchison - LinkedIn Eric Wymore - LinkedIn Something big is happening in AI by Matt Shumer

    27 min
  5. Ep 29 - Home Care Services and How to Fund Them with Brad Haag

    MAR 11

    Ep 29 - Home Care Services and How to Fund Them with Brad Haag

    Most families don't think about home care services until a crisis hits. On Metcalf Money Moment, Jeb, Ethan, and Eric welcome Brad Haag of A Place at Home to guide families through the often-confusing world of senior care planning. Brad shares the telltale signs that a loved one needs help, from fall prevention concerns to early dementia care symptoms, and explains how to fund care through long-term care insurance, veterans benefits, and smart financial planning. Whether you are the sandwich generation or planning for yourself, this episode delivers clear, practical answers that could protect your family and your finances. What you will Learn in this Episode: ✅ What home care services actually include and how non-medical home care differs from skilled home health services so that you can make the right choice for your aging loved one without confusion. ✅ How to spot the early warning signs that a parent needs help, including fall prevention red flags, dementia care symptoms, and changes in daily behavior that signal it is time to take action. Recognizing the Signs for Needed Care - When to Step in with Aging Parents ✅ The funding options available to cover senior care planning costs, including how long-term care insurance policies work, when veterans' benefits apply, and why most home care services are private pay. Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey! TIMESTAMPS: 00:00 Introduction to non-medical home care services and how A Place at Home customizes care for each client's needs 05:28 The credentials behind home care staff and what families should expect from certified caregivers entering the home 07:15 Why reviewing power of attorney paperwork early is one of the most critical steps in senior care planning 11:21Brad Haag shares how falling is one of the first warning signs families notice in aging parents and why it matters 13:55 Breaking down long-term care insurance, Medicare benefits, Medicaid, and veterans' benefits as funding options for home care 18:47 Real-life example of long-term care insurance paying out and the importance of understanding your policy benefits KEY TAKEAWAYS: 💎 Power of attorney paperwork can quickly become outdated. Brad discovered his own parents had documents more than 20 years old naming an attorney who had since retired, leaving the family without legal decision-making authority in a medical crisis. Review and update these documents now, before an emergency forces the issue. 💎 Long-term care insurance is frequently misunderstood. Many families believe these policies apply only to nursing home placement, but they can also cover home care services. 💎 Funding senior care rarely comes from a single source. A smart combination of private pay, veterans benefits, long-term care insurance, and creative financial planning can make quality care achievable and sustainable without draining family resources. ABOUT THE GUEST: Brad Haag is a healthcare and business professional with nearly 30 years of leadership experience. He owns and operates A Place At Home Kansas City South, a non-medical in-home care provider serving seniors in the Kansas City area. A Kansas native, Brad holds an undergraduate degree from the University and an M.B.A. from Pepperdine University. His passion for compassionate care was sparked while working with hospice patients, where he recognized the need for better in-home support for both seniors and caregivers. That insight led him to open A Place At Home in Overland Park, where he aims to deliver professional, people-centered care to the community. In-Home Senior Care & Support for Kansas City South Families Recognizing the Signs for Needed Care - When to Step in with Aging Parents Metcalf Partners - Website Jeb Graham - LinkedIn Ethan Hutchison - LinkedIn Eric Wymore - LinkedIn DISCLAIMER: This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor.

    24 min
  6. Ep 28 - Beyond Investing: What a Personal CFO Really Does

    FEB 25

    Ep 28 - Beyond Investing: What a Personal CFO Really Does

    Jeb, Ethan, and Eric from Metcalf Money Moment reveal why the personal CFO model is transforming wealth management. Rather than segmenting your financial planning into separate silos, a personal CFO integrates investment management, tax planning, and estate planning into one cohesive strategy. Learn how Roth conversion timing affects Medicare premiums, why tax-efficient investing matters as much as returns, and how proper beneficiary designation protects your legacy. The hosts share actionable strategies, including opportunistic rebalancing during market volatility and coordinating life insurance with your overall financial picture for maximum family protection. What you will Learn in this Episode: How a personal CFO coordinates investment management, tax strategies, and estate planning to create a comprehensive wealth management approach that goes far beyond traditional financial advice and maximizes your family's long-term financial goals. Advanced tax management techniques, including Roth conversions, capital gains harvesting, and tax-efficient asset location strategies that reduce your tax burden now and create tax-free legacy wealth for your beneficiaries in the future. Why understanding your portfolio risk tolerance and implementing opportunistic rebalancing during market volatility matters more than chasing returns, and how proper risk tolerance alignment eliminates anxiety during market corrections. Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey! TIMESTAMPS: 00:00 What is a personal CFO, and a discussion of the three pillars of comprehensive wealth management 04:00 Tax management strategies beyond April filing 07:36 Mindset shift: supporting real-life financial goals over chasing portfolio returns 10:33 Understanding portfolio risk through Nitrogen scoring and managing market volatility 14:50 Estate planning essentials: beneficiaries, life insurance, disability insurance, and legacy tax planning KEY TAKEAWAYS: A personal CFO acts as your financial quarterback, coordinating all aspects of your wealth management, including investment management, tax strategies, and estate planning. Strategic tax management requires year-round planning, not just April meetings. Implementing Roth conversions, tax loss harvesting, and capital gains management during optimal windows can save thousands annually and create tax-efficient legacy wealth for heirs. Proper estate planning extends beyond wills and trusts to include beneficiary designations, life insurance, disability insurance, and long-term care planning. DISCLAIMER: This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor. RESOURCES MENTIONED: Metcalf Partners - Website Jeb Graham - LinkedIn Ethan Hutchison - LinkedIn Eric Wymore - LinkedIn

    21 min
  7. Ep 27 - Slash Property Taxes: Eric Owens' Proven Appeal Methods

    FEB 11

    Ep 27 - Slash Property Taxes: Eric Owens' Proven Appeal Methods

    What if you could cut your property tax bill by hundreds of thousands or even millions of dollars? Eric Owens from Swartz + Associates reveals the insider tactics that most property owners never discover. On this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric dive deep into real-world victories, including a stunning $10 million reduction on a Florida hotel and a $600,000 savings on Connecticut retail property. You'll learn why Jackson County's 2025 assessment chaos devastated businesses with 10x increases, how triple net lease tenants often miss their appeal rights, and the exact documentation strategy that wins cases. Whether you manage a multimillion-dollar portfolio or own a single investment property, Eric breaks down the appeal process from informal negotiations to district court settlements, plus reveals the critical mistake that causes new buyers to go underwater financially within their first year of ownership. What you will Learn in this Episode: Master the art of property tax appeals by gathering comparable sales data from your neighborhood and focusing exclusively on valuation evidence. Navigate state-specific assessment year cycle requirements, including Kansas's annual January 1st effective valuation date versus Missouri's odd-year schedule, ensuring you meet critical filing deadlines for informal and formal board of equalization hearings. Understand how sale price disclosure laws in both Kansas and Missouri trigger automatic valuation increases after property purchase, potentially rendering investment properties unprofitable when buyers fail to account for reassessment impacts on cash flow projections. Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey! TIMESTAMPS: 00:00 Property tax consultant Eric Owens discusses the services of Swartz + Associates 02:45 Examples of clients for whom a property valuation reduction occurred 06:07 Business property owners versus residential homeowners and discussion of Jackson County property tax increase crisis 10:31 Appeal process stages: informal appeal process through the board of equalization to district court appeals settlements 14:48 To lower valuations, documentation is essential for winning cases KEY TAKEAWAYS: Evidence trumps emotion in property tax appeals. County assessors require comparable sales data, financial projections, and documented reasoning tied to the effective valuation date, not complaints about rising tax bills or payment hardships. Contingency fee basis consulting eliminates upfront risk. Firms like Swartz and Associates only collect payment when they achieve actual real estate tax reductions, making professional representation accessible even when appeals stretch over years through the district court. Sale price disclosure requirements in Kansas and Missouri automatically trigger reassessments. Investment properties purchased without factoring in next year's valuation increase relative to the purchase price can quickly become unprofitable cash flow disasters. ABOUT THE GUEST: Eric is a licensed Certified General Appraiser and serves as a Director for Swartz + Associates, Inc. (SAI). SAI is a full-service property tax consulting firm that specializes in the review, analysis, and appeal of commercial real estate and business personal property tax valuations. SAI has experience across a wide range of property tax matters and serves multiple industries. Eric Owens - LinkedIn Swartz + Associates - Website DISCLAIMER: This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor. Eric Owens, and Swartz + Associates, inc is not affiliated with or endorsed by LPL Financial and Metcalf Partners Wealth Management. RESOURCES MENTIONED: Metcalf Partners - Website Jeb Graham - LinkedIn Ethan Hutchison - LinkedIn Eric Wymore - LinkedIn

    18 min
  8. Ep 26 - Gift Tax Exclusion: Smart Strategies For Tax-Free Giving

    JAN 28

    Ep 26 - Gift Tax Exclusion: Smart Strategies For Tax-Free Giving

    Understanding the gift tax exclusion is essential for anyone looking to transfer wealth to family members. On this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric break down the most popular gifting strategies, including UTMA accounts, 529 college savings plans, and structured gifting through trusts. Learn how married couples can gift up to $38,000 per person annually without gift tax reporting, explore the new Trump savings accounts that offer government contributions, and discover how to use purpose-based distributions to maintain control over gifted assets. Whether you're funding education through a 529 plan with Roth IRA rollover options or setting up a revocable trust with age-based distributions, this episode covers everything you need to know about tax-free gifting strategies. What you will Learn in this Episode: How the annual gift tax exclusion allows you to gift up to $19,000 per person ($38,000 for married couples) without any tax reporting requirements or liability The differences between UTMA accounts, 529 college savings plans, and new Trump savings accounts, including contribution limits, FAFSA impact, and withdrawal rules How to use revocable trusts with age-based distributions and purpose-based distributions to maintain control over gifted assets and prevent large windfalls to young adults The Roth IRA rollover strategy that allows up to $35,000 from a 529 plan to be transferred tax-free into a retirement account for the beneficiary Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey! TIMESTAMPS: 00:00 Gifting strategies and common questions and answers about gift tax exclusion 05:00 Deep dive into UTMA accounts and UGMA accounts, including ownership rules, FAFSA impact 08:50 The new Trump savings accounts with government-matched contributions 12:26 Comprehensive overview of 529 college savings plans, including contribution limits, beneficiary designation flexibility, and the Roth IRA rollover option for unused funds 21:03 How to structure gifts using revocable trusts with age-based distributions and purpose-based distributions 24:32 Addressing the common concern of overfunded UTMA accounts and how to transition them into trusts with beneficiary consent for better long-term control KEY TAKEAWAYS: The new Trump savings accounts launching in 2026 offer a $1,000 government contribution for children born between January 1, 2025, and December 31, 2028, with annual contribution limits of $5,000 and potential employer matching of $2,500, creating a powerful tax-deferred savings vehicle that converts to the child's IRA at age 18 UTMA accounts and UGMA accounts are counted as the child's assets when filing FAFSA for student aid, which can significantly reduce eligibility for financial assistance, making 529 college savings plans a better option for families prioritizing federal student aid qualification The five-year gift tax averaging rule for 529 plans allows you to contribute $95,000 in a single year (5 years × $19,000) without triggering gift tax reporting, enabling grandparents and parents to front-load education savings and maximize tax-free growth potential DISCLAIMER: This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor. RESOURCES MENTIONED: Metcalf Partners - Website Jeb Graham - LinkedIn Ethan Hutchison - LinkedIn Eric Wymore - LinkedIn

    28 min
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About

Unlock financial clarity, confidence, and peace of mind with Metcalf Money Moment – the Podcast. Whether you’re preparing for retirement, navigating a business exit, or building generational wealth, our expert insights provide the clarity and confidence needed to achieve your financial goals. Hosted by Jeb Graham, Ethan Hutcheson, and Eric Wymore—seasoned financial professionals with a deep passion for empowering clients—this podcast brings decades of combined experience in wealth management, retirement planning, estate strategies, and investment advisory services. Each host brings a unique perspective and expertise, ensuring well-rounded and insightful discussions that address the diverse needs of our audience. Every episode explores key topics to empower your financial journey. Discover practical strategies for building generational wealth, planning for retirement, safeguarding your legacy with estate planning, and optimizing savings through tax strategies tailored to high-net-worth individuals. Gain insights on investment approaches for volatile markets, entrepreneurial advice for Kansas City business owners, and guidance on major life events like marriage, home buying, and inheritance planning. Each episode is designed to inspire action and enhance your financial confidence. This podcast is also an essential resource for financial professionals, including CPAs, estate attorneys, and referral partners. Gain valuable insights into wealth management, trust building, business planning, and independent advisory services to better serve your clients and enhance your expertise. Our discussions provide the tools to deepen relationships and stay ahead in the financial industry. At Metcalf Money Moment the Podcast, we believe in making financial education accessible and impactful. Join us to discover how thoughtful, proactive planning can transform your financial future. Subscribe today to ensure you never miss an episode, and start making every money moment count! Meet the Hosts: Jeb Graham is the CEO and Managing Partner at Metcalf Partners Wealth Management. Before founding Metcalf Partners, he was a Financial Advisor in Overland Park, KS. Active in the Kansas City community, Jeb serves on the Kansas City Chapter Board of Entrepreneur Organization (EO). He holds a Finance degree from Kansas State University and a CFP® designation, with additional executive education in retirement planning from Wharton. Ethan Hutcheson is a Partner and Financial Planner at Metcalf Partners, passionate about helping people prepare, plan, and execute. With a career in Financial Services, his expertise spans Financial Planning, Tax, and Investment Management. Outside work, Ethan enjoys hunting, cycling, and outdoor activities with his wife Shanna and their sons, Rhett and Levi. Eric Wymore is a Partner and Wealth Manager at Metcalf Partners Wealth Management, with a career dedicated to wealth management. As an Accredited Investment Fiduciary, he prioritizes acting in clients’ best interests. Originally from southeast Iowa, Eric has lived in Kansas City for 20 years with his wife Becky and their sons, Gabe and Nolan. He holds a Finance degree from Iowa State University. Metcalf Website: https://www.metcalfpartners.com/

Information

  • Creator
    Jeb Graham, Ethan Hutcheson, & Eric Wymore
  • Years Active
    2025 - 2026
  • Episodes
    34
  • Rating
    Clean
  • Copyright
    © Copyright 2026 Jeb Graham, Ethan Hutcheson, & Eric Wymore
  • Show Website
    Metcalf Money Moment the Podcast