Planned Solutions

Planned Solutions
  • 5.0 (8)
  • BUSINESS
  • UPDATED SEMIMONTHLY

Planned Solutions is an Independent Financial Planning Firm - looking out for our client's best interests. With over 30 years in the financial planning business, we at Planned Solutions will help guide you to a secure financial future. At Planned Solutions, a CERTIFIED FINANCIAL PLANNER™ professional will sit down with you, review your current situation and work with you to develop an individualized financial plan and implement an asset management strategy. We are very familiar with the range of options available today – investment opportunities, savings, pension plans and insurance products – and will help you identify which choices are best suited for both you and your family’s goals. Financial planning, retirement planning, investment management, estate planning, insurance analysis, and tax planning and preparation are our specialties. Please give us a call for a complimentary initial consultation, where we will discuss your goals and help design a plan of action.

  1. What Is Going On With The Private Credit Fallout? Understanding Credit Card Rewards & Bundled Banking Services

    APR 23

    What Is Going On With The Private Credit Fallout? Understanding Credit Card Rewards & Bundled Banking Services

    In this episode of the Planned Solutions Podcast, the private credit market has rattled Wall Street and the broader credit markets recently. The story follows a common theme. A smaller market is promoted heavily by investment marketers, causing many investors to flood into a market that does not have the infrastructure to support it. Then something goes wrong, and investors run for the exit, but the market does not have enough liquidity to handle the levels of redemptions, causing prices to fall and, in some cases, redemptions to be suspended. Credit card rewards have become an area of increasing competition between card issuers. As a result, many cards offer attractive rewards for cardholders who are heavy users of a specific product or service. However, in many cases, these rewards have been reduced or become subject to limitations in recent years. This makes it important for cardholders to review their usage and benefits to create a strategy to maximize their rewards. Many banks and their parent financial institutions offer their customers extra perks if they use two or more of the bank’s services. These “extra” benefits may appear attractive, but are often less than what could be found at a different financial institution. Therefore, it is advisable to look at all of the options available to determine the best option for each service before committing to one institution, which is unlikely to be the leader in multiple services. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Tax season has finally come to an end. However, that does not mean it is time to stop thinking about taxes. This year, especially, many taxpayers learned that their results during tax time were largely driven by how much time and effort they put into tax planning during the year. Carter was recently asked to speak at the 2026 Continuous Quality Improvement (CQI) Conference for Child Welfare and Probation. The theme for this year’s conference is Breaking Barriers and Building Brave Leaders. It will bring together professionals from across California in probation and child welfare. The audience will include decision-makers, practitioners, and leaders who are actively working with youth and families. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

    32 min
  2. Oil Rate Surge Affects Feds Interest Rate Plans

    APR 9

    Oil Rate Surge Affects Feds Interest Rate Plans

    In this episode of the Planned Solutions Podcast, the Federal Reserve has held interest rates steady thus far in 2026 and recently signaled that it will likely remain on pause as the committee monitors the impact of higher oil prices and reduced oil supply. Earlier this year, the market priced in the expectation that the Fed would keep rates steady in early 2026 and cut rates later in the year. The market is now pricing in a 52% probability that the Fed will raise interest rates at least once in 2026, a major reversal.S&P 500 earnings growth rebounded in early 2025 and accelerated during the year. By the third quarter, the year-over-year earnings growth rate increased to more than 20%, with the fourth quarter expected to report similar results. This strong earnings growth may be one reason that the stock market has been more resilient thus far to increased geopolitical uncertainty than would be expected.Several US stock indexes entered correction territory, which means prices declined by 10% or more from their previous all-time highs. Corrections are considered normal, whereas a bear market (a decline of 20% or more) is considered much more serious and often signals a future economic recession. So the market activity so far is concerning, but signals that it is too early to take action, given the uncertainty currently impacting the markets and the economy.Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Anyone unable to complete and file their personal income tax returns by the April 15th deadline may file for an automatic six-month extension to file their taxes, making the extended deadline October 15th. However, an extension of time to file income tax returns is not an extension of time to pay any taxes that may be due. Instead, taxpayers are required to estimatetheir income, deductions, and credits, even if they do not have all the final numbers available, and if there is tax due, make a payment with their request for an extension.If an extension is filed and the final tax returns are filed after April 15th with a balance due, the IRS and state tax authorities may assess interest on the amount due as well as underpayment penalties. Therefore, it is important to complete as much of the tax return as possible before the April 15th deadline so the tax liability, if any, can be estimated as accurately as possible.To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

    29 min
  3. Is Oil the New Toilet Paper? Flexible Spending Account Insight and Medicare IRMAA

    MAR 26

    Is Oil the New Toilet Paper? Flexible Spending Account Insight and Medicare IRMAA

    In this episode of the Planned Solutions Podcast, the price of oil per barrel surged in response to the war with Iran. Businesses are understandably hoarding oil, often by buying futures contracts, to ensure they have access to a critical input. This, combined with oil's unique nature that demand often remains steady even when prices rise, makes it a market that is especially volatile in response to an increase or a decrease in the level of supply. The amount of money that can be allocated to a Flexible Spending Account (FSA) to pay for childcare expenses increased from $5,000 per year to $7,500 per year in 2026. Using this type of plan to pay for childcare expenses on a pre-tax basis is typically attractive for high-income taxpayers who know they will incur childcare expenses within the FSA plan year. Income tax planning often involves balancing many factors that may not be related directly to income taxes. For example, income tax planning following the recent tax law changes may involve increasing income to take advantage of new tax deductions. However, additional income may result inphased-out deductions, credits, or additional costs, such as the Medicare IRMAA (a means-testing surcharge) that increases monthly Medicare premiums for higher-income taxpayers. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - There is approximately one month remaining in tax season. So, if you have not already done so, now is the time to start gathering your tax information and making plans to have your income taxes prepared. Many tax preparers are inundated in late March and early April by clients who delay submitting their tax documentation. If the backlog is too large, the preparer may not be able to play catch-up and may have to put clients on extension. Joel attended an economic update symposium put on by River City Bank. The event features speakers discussing both the local Sacramento economy and the national economy. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

    33 min
  4. Is Your ROTH Conversion Strategy Still Valid After OBBBA?

    MAR 12

    Is Your ROTH Conversion Strategy Still Valid After OBBBA?

    In this episode of the Planned Solutions Podcast, we discuss several new tax deductions available in 2025. In addition, the qualifications and income limits for some existing tax deductions have changed. With so much change, it can be beneficial to review a summary of some of the deductions that may be available and the requirements to be able to qualify for the tax benefit. The increased tax deduction for taxpayers over age 65 under the One Big Beautiful Bill Act may create a reason to rethink Roth IRA conversions. The added deduction could cause taxpayers to have more room in lower tax brackets to add income through a Roth conversion that will be taxed at lower tax rates. However, the math is complicated, so it is advisable to consult a tax professional before committing to a strategy. Restricted Stock Units (RSUs) are a common form of employee compensation in some industries. Under these plans, employees receive shares of stock as part of their overall compensation. The value of the shares when they vest is then taxable to the employee and is subject to income tax withholding, as well as Social Security and Medicare tax withholding. The shares sold to cover these taxes must be reported on the employee’s income tax return. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Non-retirement Form 1099s are often delayed or, if issued on time, subject to later corrections. According to Schwab, this year, the final batch of 1099s was due to be posted by the end of February. Therefore, the most current forms now available should be the final 1099s and can be used to file 2025 income tax returns with little risk of a correction that may require an amended tax return. The markets have already reacted to the recently initiated military activity in Iran. The impact has been felt in the currency markets, commodity markets, and stock markets. While it is still too early to know the overall impact that this increased instability in the Middle East will have on the markets in the longer-term, we have risk management tools in place that are specifically designed to address this type of uncertainty. We will continue to monitor developments closely and make investment changes based on these developments should they become warranted. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

    32 min
  5. Precious Metals Market Bubble Housing Now a Buyer’s-Market No Tax on Overtime

    FEB 26

    Precious Metals Market Bubble Housing Now a Buyer’s-Market No Tax on Overtime

    In this episode of the Planned Solutions Podcast, Gold and silver prices increased sharply over the past several years, originally spurred by increases in global central bank buying. These big price increases caught the attention of other investors and market speculators, causing prices to surge to major highs. However, the recent massive selloff in gold and silver may be a sign that the speculative bubble is unwinding. This could make gold and silver far riskier investments going forward, as prices may be dictated by always-changing investor psychology rather than solid fundamentals. The housing market became a strong seller’s market during the COVID years, with bidding wars and all-cash offers the norm. Then the market transitioned into a tug-of-war between buyers and sellers, with the market largely stagnating for the past several years. Now, data suggests that the market is transitioning into a buyer’s market, with buyers able to demand price reductions and better terms from sellers. Starting in 2025, taxpayers may be able to deduct a portion of their overtime pay. In many cases, the amount that is eligible as a tax deduction will be reported in box 14 on a taxpayer’s form W-2 issued by their employer. The deduction is based on the definition of overtime used in federal law, which may differ from state law, so not all overtime listed on a paystub may be eligible for the overtime tax deduction. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Chase was a guest on the  @MagicKeyCast  , a YouTube Channel produced by Jason LaChance, who also produces the Planned Solutions podcast. The Magic Key Cast is Disney-focused, and Chase was on the podcast to discuss the potential business and investment ramifications of the recent Disney leadership shakeup. Schwab has posted many of the Form 1099-Div and 1099-B for non-retirement accounts. However, historically, Schwab has issued corrected 1099s in late February or early March. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

    26 min
  6. Health Savings Account (HSA) The Investment Most People Miss

    FEB 12

    Health Savings Account (HSA) The Investment Most People Miss

    In this episode of the Planned Solutions Podcast, the focus begins with Health Savings Accounts (HSAs)—a powerful yet often underutilized financial tool. While many people use HSAs like a tax-advantaged checking account to pay current medical expenses, these accounts frequently include investment sub-accounts. Investing HSA funds can support long-term growth, help offset rising healthcare costs, and even serve broader retirement or wealth-building goals. The episode also highlights an important tax law change impacting gambling income. Starting in 2026, gamblers will only be allowed to deduct gambling losses up to 90% of their winnings, meaning at least 10% of winnings will be taxable—even if total losses exceed gains for the year. This change further reduces the financial appeal of gambling by worsening its cost-benefit and tax treatment. Finally, the discussion covers the introduction of Section 530A accounts, commonly known as Trump Accounts, which are now available for children under age 18. These accounts function as investment vehicles with specific rules around access and usage, but unlike custodial Roth IRAs, they do not require the child to have earned income, making them a flexible option for families looking to invest on behalf of minors. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Tax season is here. The IRS is now officially accepting tax returns, but some of the state agencies are not yet ready for filings. In addition, some tax documents are not yet du,e so they may not be available for a few days or even several weeks. However, that does not mean you must wait to getstarted on your tax filings. Daryl, Chase, Carter, and Matt attended the Financial Planning Association of Northern California (FPANC) Winter Symposium. Once again, the FPANC did a great job of putting together a solid slate of speakers. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠ FAX: (916) 361-0191WEBSITE:⁠

    30 min
  7. Stock Market Opens the Year Strong And 2026 Tax Updates

    JAN 29

    Stock Market Opens the Year Strong And 2026 Tax Updates

    In this episode of the Planned Solutions Podcast, the US stock market has started the year strong with the S&P 500 returning nearly 1.4% in just 11 trading days. However, the US large-cap index has underperformed foreign stocks, which led major index returns in 2025, and small- and mid-sized stocks, which lagged in 2025 but started 2026 strong with an 8.0% rate of return. The strong returns in the foreign market may be a sign of a continued trend favoring non-US investments, while the strong returns in small/midcap returns may be a sign of a healthy stock market rally in the US. Tax season is not just a time to look backward to the prior tax year, but also a good opportunity to look forward to planning for the current tax year. This may include changing tax withholdings for 2026 to either cover any projected shortfall or to reduce tax withholdings if a large refund is expected. This may be especially important this tax season, as several changes to the tax law may result in larger projected refunds than in the past. Additionally, the new tax law provisions offer tax benefits for some employees who receive tip income and/or who work overtime. However, the reporting requirements for this income do not go into effect until the 2026 tax year. Therefore, employees who believe they may qualify may need to prove their deductions by referencing their pay stubs for the year in addition to their Form W-2. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - The new year is a good time for review and renewal. In that spirit, Planned Solutions held an all-hands offsite meeting to discuss our core values and what is important to us going forward. Shannon recently reached an impressive milestone. He has been working with Planned Solutions for 25 years! Needless to say, during his tenure, Shannon has had a big impact on Planned Solutions and is a big reason for the company’s success over that time. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠WEBSITE:⁠www.PlannedSolutions.com

    25 min
  8. How Proper Estate Planning Saves Time, Money, and Stress

    JAN 15

    How Proper Estate Planning Saves Time, Money, and Stress

    In this episode of the Planned Solutions Podcast, we explore critical financial planning topics that can have a lasting impact on your wealth, legacy, and peace of mind—starting with estate planning, an area where many financial plans fall short. While creating an estate plan can feel time-consuming or costly, failing to plan often results in far greater expenses, court involvement, and stress for loved ones. We discuss why investing time and money in proper estate planning can lead to long-term savings, smoother transitions, and confidence in the event of death or disability. We also reflect on the retirement of legendary investor Warren Buffett, who stepped down from Berkshire Hathaway at the end of 2025. Buffett’s disciplined, common-sense, and fundamentally sound investment philosophy has shaped generations of investors and advisors. In this episode, we examine the lessons his career offers investment managers and individuals who want to build wealth the right way—ethically, patiently, and with clarity. Additionally, we take a closer look at Irrevocable Life Insurance Trusts (ILITs) and their evolving role in estate tax planning. While higher federal estate tax exemptions have reduced their popularity, ILITs can still provide meaningful benefits for individuals with potentially large estates. We wrap up with insights from the Planned Solutions Incorporated Office Bulletin Board, including important reminders for preparing your 2025 income tax return, gathering essential tax documents like Forms 1098 and 1099, and navigating the growing shift toward online tax forms. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Before preparing your 2025 income tax return(s), it is important to make sure that you have all tax forms and other tax information that you need. In some cases, this may mean being patient until all your investment forms have been issued. In other cases, it may mean being careful to thoroughly go through your mail looking for tax forms. For example, mortgage companies often send out Form 1098, which reports the interest paid during the year, with the monthly mortgage statement. So, it is important to sort through all the pages in the mailing to see if your tax form was included with the most recent statement. Also, more and more companies are posting tax forms online rather than mailing them. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

    27 min
See All (104)

Ratings & Reviews

5
out of 5
8 Ratings

About

Planned Solutions is an Independent Financial Planning Firm - looking out for our client's best interests. With over 30 years in the financial planning business, we at Planned Solutions will help guide you to a secure financial future. At Planned Solutions, a CERTIFIED FINANCIAL PLANNER™ professional will sit down with you, review your current situation and work with you to develop an individualized financial plan and implement an asset management strategy. We are very familiar with the range of options available today – investment opportunities, savings, pension plans and insurance products – and will help you identify which choices are best suited for both you and your family’s goals. Financial planning, retirement planning, investment management, estate planning, insurance analysis, and tax planning and preparation are our specialties. Please give us a call for a complimentary initial consultation, where we will discuss your goals and help design a plan of action.

Information

  • Creator
    Planned Solutions
  • Years Active
    2016 - 2026
  • Episodes
    104
  • Rating
    Clean
  • Copyright
    © Planned Solutions
  • Show Website
    Planned Solutions

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