Phil's Tax Hacks

Phil Putney
  • 4.8 (4)
  • Investing
  • Updated Weekly

Financial, tax and retirement planning guidance from Phil Putney. Each week Phil will talk about the keys to building a sound financial strategy that can survive throughout the ups and downs of the market. We'll have plenty of tax hacks along the way and other retirement facts!

  1. 2d ago

    The Pension Choice That Can Make or Break a Survivor Plan

    A larger pension check today can look incredibly tempting, but what happens if your spouse outlives you? Phil breaks down one of the biggest pension decisions couples face and explains the tradeoffs between maximizing monthly income and protecting a surviving spouse. This is a permanent retirement decision and deserves much more thought than most people give it. Here’s some of what we discuss in this episode: 💵 Pension Choices: Bigger checks create tradeoffs 🛡️ Survivor Protection: Spousal income matters deeply 📉 Invest-the-Difference Risk: Timing can ruin the strategy 📊 Run The Math: Permanent decisions need planning 💰 Lump Sum Options: Flexibility changes the equation   For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

    13 min

  2. May 28

    Am I Ready to Retire in 2026?

    Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment We're doing something a little different today. Three listeners wrote in with variations of the same question- am I ready to retire in 2026? Same question, three very different situations, three very different answers. Here’s some of what we discuss in this episode: 📉 Market fears vs retirement reality 🧮 Why “run the math” matters 🏌️ Retiring to something meaningful 🩺 Healthcare gaps before Medicare 💰 Pension timing and vesting decisions For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

    19 min

  3. May 21

    Inside a Great Financial Planning Experience

    Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment   Phil gives the full scoop on what it actually feels like to work with a financial advisor, pulling back the curtain on the entire experience. From the first conversation to ongoing guidance, he walks through what makes a planning relationship truly valuable, centered on building a plan that fits your life, not just your investments. Here’s some of what we discuss in this episode: 🧭 Plan Before Investing: A strong strategy starts with a clear roadmap 🤝 Fit Matters First: The right advisor relationship starts with alignment 🧩 Build It Together: Great plans are developed collaboratively over time ⚖️ Balance Logic + Comfort: Good decisions blend math with personal confidence 🔄 Ongoing Partnership: Planning evolves as life and goals change   For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

    18 min

  4. May 14

    Memorial Day Reminder: What Does Real Financial Protection Look Like?

    Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment   In this episode, Phil explores what financial protection really means beyond investments and returns. You’ll hear about how planning decisions impact the people you care about most and why preparation matters when life takes an unexpected turn. He highlights the key areas that often get overlooked until it’s too late, and what you can do now to avoid a potential disaster down the road. Here’s some of what we discuss in this episode: 🛡️ Protection First: Retirement planning is about protecting people, not just money 🏥 Life Insurance Role: Coverage can still matter even later in life 📄 Details Matter: Beneficiaries and documents must stay up to date ⏳ Longevity Risk: Care costs can impact both finances and family 🧭 Ongoing Guidance: A plan should be reviewed and adjusted over time   For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

    18 min

  5. May 7

    You've Managed Your Own Money Successfully - Why Would You Need an Advisor Now?

    You’ve done a great job managing your money, so why change anything now? That’s the question Phil’s tackling in this episode. As retirement approaches, decisions get more permanent, and the margin for error gets smaller. This conversation is about understanding how the game changes and what it looks like to have the right kind of support in place. Because doing well up to this point doesn’t guarantee the next phase will be just as simple. Here’s some of what we discuss in this episode: 🎯 This is a Different Game: Saving vs retirement income requires new strategy ⚠️ Higher Stakes: Mistakes matter more when income depends on it 🔄 More Complexity: Taxes, Social Security, and timing all interact 🤝 Advisor Role: Guidance helps navigate unfamiliar decisions 🔍 Vetting Matters: Finding the right fit is critical   For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

    18 min

  6. Apr 23

    Volunteering: The Best Investment You Might Make In Retirement

    In honor of National Volunteer Week (April 19-25), Phil talks about why volunteering is an important part of life, especially in retirement. Retirement isn’t just about stepping away from work. It's an opportunity to step toward the things you've always cared about, with more time and freedom than you've had in decades. National Volunteer Week is a good reminder that all of it can keep doing good long after your last day of work. Here’s some of what we discuss in this episode: 🇺🇸 National Volunteer Week: Celebrating the importance of volunteering 👐Volunteering Time: How giving your time can fill a void in retirement 🧠 Using Talents: Leveraging your skills in volunteering 🎁 Role of Treasure: How financial contributions fit into volunteering 📊 Tax-Efficient Volunteering: Strategies to maximize your giving   For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

    15 min

  7. Apr 16

    A New Proposal Might Cap Your Social Security Payments

    Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment A new proposal out of Washington is adding a fresh angle to the Social Security solvency debate. Today, Phil’s breaking down what's proposed, if it might cost you money in the future, and what questions it raises for anyone planning around Social Security right now. This proposal isn't law, and it may never be. But regarding Social Security… something has to give. Here’s some of what we discuss in this episode: 🔍 The Details: Caps would primarily affect higher-income earners 👥 Who It Impacts: Most retirees may not feel any change at all ⚖️ Fairness Debate: Raises questions about equity vs sustainability 🌍 Bigger Picture: Social Security is already more generous than many countries 💡 Planning Insight: Your plan shouldn’t rely solely on government benefits   For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

    16 min

  8. Apr 9

    The Surprisingly Hard Part of Retirement Nobody Warns You About

    Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment Most retirement conversations focus on saving enough, but very few talk about what happens next. What if you’ve done everything right and still can’t bring yourself to spend the money? It’s more common than people admit, and it can quietly take away from the retirement you worked so hard to build. Phil breaks down why spending in retirement can feel so difficult- and how a well-built plan doesn’t just protect your money, it gives you permission to enjoy it. Here’s some of what we discuss in this episode: 😟 Fear Factor: The fear of running out can override even a strong plan 🔄 Income Shift: Transitioning from earning to drawing income takes adjustment 🧠 Behavioral Side: Habits built over decades don’t just switch off overnight ❤️ Emotional Weight: Guilt and uncertainty can impact spending decisions 🔁 Mindset Shift: Moving from saving to spending is a major transition   For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

    15 min
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Ratings & Reviews

4.8
out of 5
4 Ratings

About

Financial, tax and retirement planning guidance from Phil Putney. Each week Phil will talk about the keys to building a sound financial strategy that can survive throughout the ups and downs of the market. We'll have plenty of tax hacks along the way and other retirement facts!

Information

  • Creator
    Phil Putney
  • Years Active
    2019 - 2026
  • Episodes
    299
  • Rating
    Clean
  • Copyright
    © Copyright Phil Putney 2021
  • Show Website
    Phil's Tax Hacks

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