Sandwich Bread Pod

Twin Robins Capital, LLC

The Sandwich Bread Pod is a podcast for people navigating the complex responsibilities of multigenerational life—caring for parents, raising children, and balancing personal and financial demands that often conflict. Hosted by Tom Kaminski, a Certified Financial Planner™ with 18 years of experience, the show explores the challenges and decisions facing the Sandwich Generation, and offers grounded conversations and perspectives designed to bring clarity, support, and maybe even a laugh during this demanding chapter of life. Sandwich Bread Pod is a production of Twin Robins Capital, LLC.  Twin Robins Capital, LLC (“Twin Robins”),  is a registered investment adviser with the states of Missouri, Kansas, Virginia, Georgia and Indiana, and may only transact business with residents of these states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. 

  1. 5D AGO

    529s w/ Ann Garcia, CFP®: Funding, Growing, and Getting Money Out of Your 529 Pt 2 of 2

    You've opened the 529. Now what? In Part 2 of this series, Tom and Ann Garcia pick up where they left off and get into the practical side of college savings: how much to actually put away, how to invest it, all the ways you can get the money out, and the question every parent asks, "does this hurt my kid's financial aid?" Ann walks through her savings benchmarks, explains why the gifting page is one of the most underused tools in a college plan, and breaks down exactly how 529s are treated on the FAFSA. The short answer: better than almost any alternative. What you'll learn in this episode: How much to save (and how to think about it if the full amount isn't realistic)Why small annual increases compound into big resultsHow to invest inside your 529 as your goals evolveEvery legitimate way to get money out -- qualified and non-qualifiedHow to handle a 529 if your child attends private K-12How 529 assets and distributions are treated on the FAFSAResources mentioned: How to Pay for College by Ann Garcia - available on AmazonAnn's website: howtopayforcollege.comUtah My529 plan: my529.orgMissed Part 1? Start there -- we cover what a 529 is and how to pick one. This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

    21 min

  2. 5D AGO

    529s w/ Ann Garcia, CFP®: What is a 529 and How do you Pick One? Pt. 1 of 2

    529 plans are one of the most powerful tools in a college savings strategy -- and one of the most misunderstood. In Part 1 of this two-part series, Tom sits down with Ann Garcia, author of How to Pay for College and one of the most respected voices in college planning, to break it all down. They cover what a 529 actually is, how it compares to a Roth IRA and a 401k, and where it fits alongside your other savings priorities. Ann shares her 10 percent rule for balancing college and retirement savings, makes the case for why college is still worth it (even with everything changing), and gives a dead-simple framework for picking the right plan. What you'll learn in this episode: What a 529 plan is and how it worksHow to balance college savings with retirement savings (the 10 percent rule)Why college still delivers strong ROI financial and otherwiseThe two-plan framework for picking a 529: your state plan or Utah My529How to use a gifting page to get family contributions into the accountWhy advisor-sold 529 plans are almost never the right choiceResources mentioned: How to Pay for College by Ann Garcia -- available on AmazonAnn's website: howtopayforcollege.comUtah My529 plan: my529.orgMorningstar annual 529 plan ratingsThis is Part 1 of 2. Part 2 covers funding strategies, growing your balance, qualified distributions, and the FAFSA question. This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

    23 min

  3. MAR 20

    The Concentrated Stock Problem: Options, Strategy, and the Right Team

    When one stock makes up a disproportionately large portion of your portfolio, knowing what to do with it, especially if it's highly appreciated, can feel overwhelming. In this episode, Tom talks Lauren through considerations when looking at a portfolio with a highly concentrated stock position. They walk through what concentration actually means, why context matters more than any single percentage threshold, and a range of strategies worth knowing about. Topics covered in this episode: What a concentrated stock position is and when it typically signals a need for closer attentionWhy there is no universal answer, and how the bigger financial picture changes everythingTax loss harvesting and how losses elsewhere in a portfolio can help offset gainsDirect indexing as a technology-driven way to generate losses at scaleExchange funds and the trade-offs that come with themOptions overlays, including collars and covered calls, as tools for managing riskSlow selling as a straightforward, often underused approachCharitable gifting, direct stock donations, and donor-advised fundsEstate planning considerations, including the step-up in cost basis at deathMany of these strategies involve significant tax and legal considerations. Throughout the episode, Tom emphasizes the importance of working collaboratively with your financial planner, CPA, and estate planning attorney before taking any action. This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

    27 min

  4. MAR 3

    Building Your Team: Occupational Therapy for Aging in Place w/ Dr. Brandy Archie

    When it comes to aging and caregiving, clarity ahead of time can make all the difference. In this first episode of our on-going series, Building Your Team, we introduce one of the most overlooked and valuable professionals in aging in place, the occupational therapist. Dr. Brandy Archie, OTD, OTR/L, CLIPP, occupational therapist and founder of Ask Samie, joins us to explain: • What occupational therapy actually is  • When it makes sense to get an OT evaluation  • The difference between reactive and proactive home assessments  • How OTs help reduce fall risk and improve daily independence  • What certifications to look for when hiring an OT  • How to access occupational therapy through insurance or private pay If you are helping a parent stay safely at home, or hoping to plan ahead before you are in a crisis, this conversation will help you understand when and why occupational therapy belongs on your team. Resources Mentioned:  AskSamie - AskSAMIE is a digital health ecosystem that connects older adults and those with a disability to expert guidance from occupational therapists to make daily living easier. We do this by empowering them both with vetted adaptive equipment, services, and resources that are specific and available 24/7 through SAMIE, our AI tool. For aging in place specialists, look for certifications such as:  Certified Aging in Place Specialist (CAPS) Certified Living In Place Professional (CLIPP) This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

    20 min

  5. FEB 10

    Everyday Cybersecurity, Part 2: Protecting Aging Parents from Scams & Fraud w/ Danny Schwartze

    In this episode of the Sandwich Bread Podcast, Tom Kaminski is joined again by Danny Schwartze, CEO of Your Cyber Life, to continue their conversation on cybersecurity — this time with a specific focus on aging parents and elders. Building on the fundamentals covered in the prior episode, Tom and Danny walk through practical, realistic steps families can take to reduce the risk of fraud, identity theft, and scams targeting older adults. The discussion covers both technical safeguards and behavioral changes, with an emphasis on solutions that are effective without being overwhelming. Topics covered include credit freezes, securing key accounts, document shredding, social media risks, AI-powered scam calls, and the importance of trusted contacts. While the focus is on elders, many of these strategies apply just as much to younger families and caregivers navigating an increasingly sophisticated cyber threat landscape. Resources discussed in this episode include:  NetCeteraYour Cyber Life Login  PIN 3803Federal Trade Commission (FTC) – Identity Theft & Scam Resources Federal Bureau of Investigation – Internet Crime Complaint Center (IC3) Report cybercrime and learn about emerging scam trends.Credit Freeze Information*ExperianEquifaxTransUnion*you do NOT need a paid subscription to freeze your credit with any of these credit reporting agencies This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

    20 min

  6. JAN 27

    Planning Ahead for Aging at Home w/ Emilia Bourland, OTR, ECHM

    Helping aging parents stay safe at home often feels overwhelming, especially when families wait until a fall or health crisis forces decisions. In this episode, Tom Kaminski, CFP®️, is joined by occupational therapist Emilia Bourland,  OTR, ECHM, to talk about how families can take a proactive approach to aging in place. Emilia explains what occupational therapy really is, how home environments impact safety and independence, and which areas of the home deserve the most attention as we age. They also cover realistic caregiving considerations, including dementia, the limits of family caregiving, and how to think about the financial side of home modifications and long-term care. The episode wraps with a clear, four-step framework families can use to start planning now rather than reacting later. All of the resources discussed in today’s conversation are linked below. Resources mentioned CareLab Podcast Ask SAMIE Virtual occupational therapy assessments and aging-in-place support Rosarium Health Occupational therapy assessments and guidance on benefits and home modifications USC Leonard Davis School of Gerontology Executive Certificate of Home Modification graduate directory LumaLink Voice concierge connecting people to aging-in-place and senior support services What Do I Do When...An Occupational Therapist’s Guide to Solving Daily Dementia Care Problems by Emilia Bourland This daily guide to dementia care gives practical tips and strategies for common challenges like eating, bathing, dressing, grooming, sleeping, wandering, agitation/aggression, fall prevention, and more This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

    25 min

  7. JAN 13

    Everyday Cybersecurity: How Families Can Protect Themselves Online w/ Danny Schwartze

    Cybersecurity has quietly become part of everyday life, whether we like it or not. In this episode, Tom Kaminski is joined by Danny Schwartze, CEO of Your Cyber Life, to talk through practical, real-world steps families can take to better protect themselves online. From fraud texts and phishing emails to AI-driven scams, this conversation focuses on building awareness and putting simple safeguards in place without feeling overwhelmed. This episode is designed for families who want to strengthen their digital defenses, with a follow-up episode planned that will focus specifically on cybersecurity support for aging parents. Resources discussed in this episode include:  NetCeteraYour Cyber Life Login  PIN 3803 This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

    21 min

  8. 12/19/2025

    Applying Elder Law: Care Planning, Medicaid, and Family Coordination w/ Elder Care Attorney Maureen Lester

    When elder law planning is delayed, families often find themselves in crisis mode. In this episode, Tom Kaminski and elder law attorney Maureen Lester discuss common elder law “horror stories,” what actually goes wrong when planning happens too late, and how families can avoid these outcomes. They cover outdated estate documents, guardianship proceedings, and the financial and emotional costs of court involvement. The conversation also highlights positive planning strategies, including care contracts, Medicaid considerations, and how clearly defining roles among siblings can reduce conflict. Maureen shares practical ways families can start conversations early and take small but meaningful steps before a crisis occurs. This episode offers realistic guidance for navigating aging, caregiving responsibilities, and long-term care decisions. This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

    24 min
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Ratings & Reviews

5
out of 5
7 Ratings

About

The Sandwich Bread Pod is a podcast for people navigating the complex responsibilities of multigenerational life—caring for parents, raising children, and balancing personal and financial demands that often conflict. Hosted by Tom Kaminski, a Certified Financial Planner™ with 18 years of experience, the show explores the challenges and decisions facing the Sandwich Generation, and offers grounded conversations and perspectives designed to bring clarity, support, and maybe even a laugh during this demanding chapter of life. Sandwich Bread Pod is a production of Twin Robins Capital, LLC.  Twin Robins Capital, LLC (“Twin Robins”),  is a registered investment adviser with the states of Missouri, Kansas, Virginia, Georgia and Indiana, and may only transact business with residents of these states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. 

Information

  • Creator
    Twin Robins Capital, LLC
  • Years Active
    2025 - 2026
  • Episodes
    13
  • Rating
    Explicit
  • Copyright
    © 2026 Sandwich Bread Pod is a production of Twin Robins Capital, LLC. Full disclosures can found at: https://www.twinrobins.com/disclosures
  • Show Website
    Sandwich Bread Pod

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