Protecting & Preserving Wealth

Bruce Hosler
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In the Protecting & Preserving Wealth podcast, Bruce Hosler discusses and provides timely answers to important topics for our listeners: • Tax Reduction Strategies • Financial & Estate Planning • Investment Management • Retirement Planning • Insurance Strategies • Business Owner Exit-Planning Strategies • Current Events and their Market Effects We started the podcast because a number of clients have questions, and this is a way for us to give them a venue to listen to different answers on all the things they're concerned about today. First and foremost, foundationally, for most people, taxes are a very important thing. We always start with taxes and then we go from there and work on financial planning issues like retirement. Am I going to have enough? How am I going to leave my stuff to my legacy, to my kids and family? In estate planning, we include asset management because everybody wants to know where their money's invested and how safe and how protected it can be. And how can it grow in the face of this inflation that we're facing today. And finally, we use insurance strategies to make sure that when the moment of truth arrives, everything's okay for the family. Throughout this podcast, we're going to meet the Hosler team and how each of them plays a role in securing your financial future. Hosler Wealth Management can be reached in their Prescott office at (928) 778-7666, in their Scottsdale office at (480) 994-7342, or on the web at https://www.hoslerwm.com/. Disclosure: Investment advisory services are offered through Mutual Advisors, LLC DBA Hosler Wealth Management, a SEC registered investment adviser. Securities are offered through Mutual Securities, Inc., member FINRA/SIPC. Mutual Advisors, LLC and Mutual Securities, Inc. (collectively “Mutual Group”) are affiliated companies. Forward-looking commentary should not be misconstrued as investment or financial advice. The advisor associated with this podcast is not monitored for comments and any comments should be given directly to the office at the contact information specified. Any tax advice contained in this communication, including any attachments, is not intended or written to be used and cannot be used for the purpose of 1) avoiding federal or state tax penalties, 2) promoting marketing or recommending to another party any transaction or matter addressed herein, and 3) Tax preparation and accounting services are offered independently through Hosler Wealth Management Tax Services. Any tax advice provided by tax professionals under Hosler Wealth Management Tax Services is separate and unrelated to any advisory or security services offered through Mutual Group. The accuracy, completeness, and timeliness of the information contained in this podcast cannot be guaranteed. Mutual Group does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation. Accordingly, Hosler Wealth Management does not warranty, guarantee or make any representations or assume any liability with regard to financial results based on the use of the information in this podcast. Protecting & Preserving Wealth (podcast) is owned and produced by Hosler Wealth Management Prescott Office: 700 S Montezuma St Prescott, AZ 86303 Tel. (928) 778-7666 Scottsdale Office: 7400 E Pinnacle Peak Rd Suite #100 Scottsdale, AZ 85255 Tel. (480) 994-7342 #HoslerWealthManagement #Protecting&PreservingWealthPodcast #BruceHosler #ProtectingWealthPodcast

  1. APR 1

    New Tax Laws For You To Understand in 2026

    Now that we are into 2026, we take a deep dive into several critical changes in tax law that will affect financial planning, estate strategy, and retirement contributions. At Hosler Wealth Management, taxes are a core focus of our work, and this episode unpacks the nuances and planning opportunities within four major updates. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k We begin with the One Big, Beautiful Bill Act, which makes tax rates for both income and estate taxes "permanent"—though in tax law, that only means until Congress changes them. For now, the extension of lower tax rates creates a prime window for Roth conversions. This is especially significant for those with large traditional IRAs and potentially taxable estates. Without conversion, those accounts could face both estate and income tax—resulting in a combined rate of 70–80%. By converting to Roth, clients can shield their heirs from that double hit, passing on assets that are not only tax-free but also less likely to drag down the estate’s overall value. We also break down new limitations on charitable deductions. Starting in 2026, a floor of 0.5% of adjusted gross income applies, meaning you can no longer deduct the first half-percent of your charitable giving. This makes Qualified Charitable Distributions (QCDs) from IRAs more appealing for those over 70½. For larger givers, we discuss strategies like bunching donations using donor-advised funds and donating appreciated assets like Apple or Nvidia stock. This approach not only avoids capital gains taxes but also front-loads deductions into one year—maximizing tax efficiency while still distributing donations over time. Next, we cover the Social Security Fairness Act, which repeals the Windfall Elimination Provision (WEP). Previously, government employees with pensions and limited Social Security work history saw reduced benefits. This change, now retroactive to January 1, 2024, restores their full Social Security entitlement. But there’s urgency—Social Security only pays retroactively for six months. So, if you're affected and haven't yet claimed, now is the time. Finally, we explain a key Roth-related shift in the Secure Act 2.0: starting in 2026, high earners making over $150,000 must make their 401(k) catch-up contributions into Roth accounts. The contribution amount increases to $8,000, with an additional $3,250 for those aged 60–63. While this change accelerates tax collection for the government, it presents long-term benefits for investors. It allows clients to build a larger tax-free retirement nest egg by leveraging the higher Roth 401(k) contribution limits, especially compared to traditional Roth IRAs. In summary, tax strategy continues to evolve, and it’s crucial to plan with both new rules and long-term goals in mind. If you need guidance navigating these changes, we’re here to help. ⏱️Chapters & Timestamps (00:00) – Intro: Welcome & Today’s Topic (00:33) – The One Big, Beautiful Bill Act: Permanent Tax Rates (01:25) – Why Roth Conversions Are More Attractive in 2026 (03:57) – New Limitations on Charitable Deductions (04:51) – Donor-Advised Funds & Tax Planning Strategy (08:28) – Social Security Fairness Act: WEP Repealed (11:48) – Secure Act 2.0: Roth Catch-Up Rules for High Earners (14:16) – Additional Catch-Up Contributions (Ages 60–63) (15:02) – How to Contact Hosler Wealth Management For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/ Contact Our Team:  https://hoslerwm.com/contact-us/ Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342. For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/ Limitation of Liability Disclosures:  https://www.hoslerwm.com/disclosures/ Copyright © 2022-2026 Hosler Wealth Management | All Rights Reserved.    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.  #ProtectingWealthPodcast  #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

    17 min

  2. MAR 18

    QCD Update for 2026 - Advice You Should Know

    In this episode of Protecting and Preserving Wealth, we dive into key updates around Qualified Charitable Distributions (QCDs) for 2026. QCDs allow individuals age 70½ and older to make direct charitable donations from their IRA accounts, and this episode is especially relevant for clients looking to manage taxes effectively while giving charitably. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️ Chapters & Timestamps (00:00) – Introduction (00:36) – Who qualifies for QCDs? (01:34) – QCDs for inherited IRAs (02:21) – Why timing matters: turning 70½ (03:43) – Tax advantages of QCDs (04:21) – How to properly execute a QCD (05:13) – Limits and benefits for married couples (05:42) – 401(k) rollover considerations (06:19) – No donor-advised funds or benefits allowed (07:40) – QCDs must be in cash, not stock (08:50) – Strategic tax benefits of QCDs (10:46) – New IRS Code Y on 1099-R forms (12:10) – Contact info and final thoughts  We begin by clarifying the age requirement. You must be exactly 70½ to make a QCD — not before, not even within the same tax year if you haven't reached that age yet. This often confuses clients, especially early in the year when they expect eligibility based solely on the calendar year. Importantly, you don’t need to be taking Required Minimum Distributions (RMDs) to utilize QCDs. Even if RMDs don’t kick in until 73 or 75, you can still make a QCD at 70½. Another common question we addressed is whether inherited IRA beneficiaries can make QCDs. The answer is yes — as long as they are 70½. A QCD can satisfy RMDs from an inherited IRA, but the age rule still applies. For 2026, the annual QCD limit is $111,000 per person, meaning couples could potentially give up to $222,000. We also discuss the mechanics. The distribution must be made directly from your IRA to the charity. You can’t take the money into your personal account and then donate it — doing so disqualifies the distribution from being a QCD. Additionally, you cannot direct a QCD to a donor-advised fund or receive any benefit (like a charity dinner ticket) in return. The transaction must be completely tax-neutral — for both you and the charity. We emphasize that QCDs must be made in cash; donations in-kind (like appreciated stock) from an IRA don’t qualify. We caution against using Roth IRAs for QCDs due to complexity and potential tax consequences. Traditional IRAs are the cleanest route. Jason outlines several strategic reasons to use QCDs: reducing taxable income to protect Social Security benefits, avoiding IRMAA surcharges on Medicare, qualifying for the new 2026 senior deduction (between $150,000–$250,000 AGI), and preserving room for Roth conversions. These moves can result in substantial long-term tax savings. Lastly, Alex explains a new IRS reporting feature: a “Code Y” in Box 7 of the 1099-R to identify QCDs. While optional for custodians in 2025, it becomes more prominent in 2026.  It’s a helpful safeguard to ensure QCDs are properly reported as non-taxable — but documentation remains critical. For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/ Contact Our Team:  https://hoslerwm.com/contact-us/ Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342. For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/ Limitation of Liability Disclosures:  https://www.hoslerwm.com/disclosures/ Copyright © 2022-2026 Hosler Wealth Management | All Rights Reserved.    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.  #ProtectingWealthPodcast  #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

    14 min

  3. MAR 4

    The New Trump Accounts and What They Will Do

    In this episode, we explore the upcoming Trump Accounts and what they could mean for American families. These accounts, born from the OBBBA legislation, will officially launch on July 4, 2026. Children born between January 1, 2025, and December 31, 2028, will automatically receive a $1,000 federal contribution into their Trump Account. But the scope is much broader—children under 18 will also be eligible to have these accounts opened and funded by parents, grandparents, or even employers. We break down how this initiative could help build a new generation of capitalists by allowing children to invest from birth and potentially accumulate significant wealth before adulthood. Unlike IRAs or Roth IRAs, which require earned income, Trump Accounts do not. This means tax-deferred investment growth for up to 18 years, an opportunity previously unavailable to most minors. Once a child turns 18, the account transitions to a traditional IRA, with all standard rules applying. We also dive into how contributions—up to $5,000 per year from family and $2,500 from employers—can compound over time. That $5,000 is indexed for inflation, making this a long-term, scalable wealth-building tool. Investments are limited to low-cost U.S.-based index funds, such as the S&P 500 or Dow Jones, reinforcing the theme of investing in America. There’s also a compelling policy angle here. Employers can contribute to these accounts as a benefit to attract talent, and those contributions won’t count toward the employee’s taxable income. Additionally, philanthropic involvement—like Michael Dell’s recent $6 billion pledge—could play a pivotal role. We discuss how charitable deductions could potentially apply if large donations are made to the Trump Account system, though specifics are still evolving. We raise awareness about critical timing rules—particularly the need to fund these accounts before a child turns 18. Once that calendar year starts, eligibility ends. We emphasize that while withdrawals aren’t allowed before age 18, after that point, traditional IRA rules apply, including potential penalties for early withdrawals before age 59½. Overall, this is more than just a savings account—it’s a transformative financial tool. We see this as a chance to teach kids about long-term financial planning, compound interest, and the power of deferred gratification. These accounts could lay the groundwork for financial independence, generational wealth, and a broader sense of ownership in the American economy. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️ Chapters & Timestamps (00:00) – Introduction and Episode Overview (00:28) – What Are Trump Accounts? (01:57) – Policy Background and Eligibility (03:00) – Investment Options and Index Requirements (05:11) – Legacy Planning and Generational Wealth (06:57) – Contributions: Parents, Grandparents, Employers (07:42) – Philanthropy and Charitable Deductions (10:34) – Rules, Restrictions, and Early Withdrawal Penalties (13:05) – Behavioral Benefits: Delayed Gratification (14:35) – Contact Info and Final Thoughts For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/ Contact Our Team:  https://hoslerwm.com/contact-us/ Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342. For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/ Limitation of Liability Disclosures:  https://www.hoslerwm.com/disclosures/ Copyright © 2022-2026 Hosler Wealth Management | All Rights Reserved.    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.  #ProtectingWealthPodcast  #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

    16 min

  4. FEB 18

    The New Uses for 529 Plans

    In this episode, we explore the expanded flexibility and potential of 529 plans in light of recent legislative changes. We begin with a refresher on how 529s have traditionally been used to fund college expenses, but quickly shift to how these accounts now offer broader applications thanks to evolving tax law, including updates from the Tax Cuts and Jobs Act, the SECURE Act 2.0, and the newly enacted One Big Beautiful Bill Act (OBBBA). We discuss how 529s can now be used for K–12 education, not just for tuition but also for items like books, standardized tests, tutoring, and even educational therapy. This opens the door for families to apply these tax-advantaged funds toward private school and special needs services for younger children—services that are increasingly common among our clients. We also highlight a major opportunity created by SECURE Act 2.0: the ability to roll over unused 529 funds into a Roth IRA in the name of the beneficiary. This means families can now provide their children or grandchildren with a financial head start—not just for education but also for retirement. The conversion limit is currently capped at $35,000 and must follow specific eligibility and timing rules, but it's a powerful long-term planning tool. Another important change coming in 2026 is the increased annual limit for K–12 qualified distributions—from $10,000 to $20,000. This effectively doubles the amount that can be withdrawn tax-free for qualified expenses, making 529s even more practical for families with high educational costs early in a child’s schooling. Finally, we talk about how the OBBBA expands 529 use to cover post-secondary credentialing programs. That includes trade schools, certifications, professional licenses, and even continuing education programs outside traditional colleges, as long as they’re recognized under federal law or by formal credentialing bodies. We emphasize how this change aligns with the current workforce needs, especially as more people pursue skilled trades or alternative career paths without accumulating student debt. In short, 529 plans are no longer just for college. They're now a flexible, multigenerational financial tool that can support both education and retirement planning in more ways than ever before. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️ Chapters & Timestamps (00:00) – Introduction (00:29) – What Are 529 Plans? (01:08) – Real Client Example: Private School Funding (02:01) – Roth IRA Rollovers from 529s (03:26) – The One Big Beautiful Bill Act (OBBBA) Explained (03:50) – Expanded K–12 Expenses (Effective July 2025) (04:54) – Increased Withdrawal Limits Starting in 2026 (05:48) – Credentialing and Trade School Use of 529s (08:02) – Closing Thoughts and Contact Info For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/ Contact Our Team:  https://hoslerwm.com/contact-us/ Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342. For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/ Limitation of Liability Disclosures:  https://www.hoslerwm.com/disclosures/ Copyright © 2022-2026 Hosler Wealth Management | All Rights Reserved.    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.  #ProtectingWealthPodcast  #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

    10 min

  5. FEB 4

    National Debt and High Net Worth Planning

    In this episode, we dive into a growing concern for high-net-worth families: the impact of the $38 trillion national debt on future taxes, estate planning, and wealth preservation. We don’t dwell in fear — instead, we focus on smart, proactive steps that affluent individuals and families can take now while tax rates are still historically low. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️ Chapters & Timestamps (00:00) – Introduction: The National Debt Challenge (02:00) – Misconceptions About Taxes and Debt (03:45) – Missed Planning Windows (05:30) – Strategies to Reduce Future Tax Exposure (07:45) – Legacy Planning and Family Communication (10:00) – Current Client Concerns in 2025 (12:00) – One-Sentence Advice for High-Net-Worth Families (14:00) – Contact Information & Disclaimer We begin by addressing a widespread misconception: that tax rates will stay low indefinitely. As Alex points out, the pattern of government backstopping during crises has led many to become complacent. But the math tells a different story. With increasing entitlement costs and an aging population, taxation on deferred assets like IRAs and 401(k)s is likely to rise. And that’s where the risk lies — not in the headlines, but in what families aren’t planning for. Bruce walks us through how required minimum distributions (RMDs) can lead to unexpected tax exposure, especially for individuals in their 60s and 70s who haven’t yet evaluated the long-term impact of their tax-deferred accounts. A $3 to $5 million IRA could result in annual taxable RMDs of $300,000 to $500,000, triggering 30%+ tax rates unless actions like Roth conversions are taken early. Waiting feels safe, but it often becomes the most expensive decision. We also explore overlooked tax-efficient strategies beyond retirement accounts. Jason emphasizes tools like life insurance, charitable remainder trusts, and Delaware Statutory Trusts (DSTs) for real estate owners. Bruce reminds us how critical it is to manage capital gains thresholds and investment income taxes through careful income control. Planning isn’t one-size-fits-all — it’s about knowing which tool fits which scenario. Legacy planning takes center stage as we discuss the emotional side of inheritance. Alex shares the common generational gap between financial assets and emotional preparedness. Too many families avoid money conversations, leaving heirs in the dark until it’s too late. We highlight how open dialogue and multigenerational planning — like Bruce’s two-generation tax-free legacy strategy — can ensure wisdom is transferred alongside wealth. Looking at the year ahead, Jason flags AI and global uncertainty as top-of-mind concerns for clients in 2025. The episode closes with advice from each advisor: start planning now, prepare for contingencies, and don’t ignore old estate documents — revisit and revise them before it costs you or your heirs. For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/ Contact Our Team:  https://hoslerwm.com/contact-us/ Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342. For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/ Limitation of Liability Disclosures:  https://www.hoslerwm.com/disclosures/ Copyright © 2022-2026 Hosler Wealth Management | All Rights Reserved.    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.  #ProtectingWealthPodcast  #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

    16 min

  6. JAN 21

    The Interest Rate Trap

    In this episode, we tackle the reality of structurally higher interest rates and how they impact wealthy retirees. For years, investors operated under the assumption that rates would always return to near zero. That mindset no longer works. With federal debt now surpassing $38 trillion, persistent deficits, and political gridlock, rates are likely to remain elevated for the foreseeable future. We look at how this shift creates both challenges and opportunities for income planning, equity investing, tax strategy, and legacy planning. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️Chapters & What You'll Learn (00:00) Introduction & Overview of the “Interest Rate Trap” (01:50) National Debt and Structural Interest Rates (04:39) Impact of Higher Rates on Stock Valuations (05:45) Retirement Income Planning in a High-Rate World (07:02) Estate Planning & Tax Strategies in the New Environment (08:41) Action Steps for Wealthy Retirees (12:55) Closing Thoughts & Contact Information We begin by outlining why rates are unlikely to return to their pre-2020 lows. The bond market is demanding higher yields in response to runaway government spending and global infrastructure investment. Those hoping for a return to 2% inflation and near-zero borrowing costs are ignoring the structural changes underway. For retirees, this higher-rate world changes how we view asset allocation, borrowing, and risk. Bonds now offer reliable income, but equity valuations face downward pressure—especially for smaller companies with thin profit margins and high capital costs. From there, we shift focus to how retirees should build portfolios in this environment. A ten-year income ladder using high-yield fixed income allows for predictable cash flow, but that strategy needs to be balanced with equities to hedge long-term inflation. Strategic tax planning becomes even more critical. We advocate for converting pre-tax accounts into Roth IRAs while tax rates remain low under current law. This preserves flexibility, reduces future tax burdens, and supports cleaner estate transitions. The conversation moves into legacy strategies. Wealthy families are acting now, taking advantage of a $15 million per-person estate tax exemption and a $19,000 annual gift exclusion. Advanced tools like life insurance retirement plans and Roth conversions are helping them leave tax-free inheritances. Beneficiary planning also plays a bigger role, with disclaimers and contingent strategies enabling tax-efficient, multi-generational transfers. Finally, we emphasize the importance of a foundational financial plan. Before making large gifts or reallocating capital, families need to define how much is required to support their lifestyle and how much can be safely transferred. The key takeaway is to act now, with tax windows open and interest rates providing both headwinds and opportunities. Doing nothing is no longer a viable plan. For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/ Contact Our Team:  https://hoslerwm.com/contact-us/ Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342. For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/ Limitation of Liability Disclosures:  https://www.hoslerwm.com/disclosures/ Copyright © 2022-2026 Hosler Wealth Management | All Rights Reserved.    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.  #ProtectingWealthPodcast  #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

    15 min

  7. JAN 7

    Stablecoins + AI Agents Will Change Everything

    In this episode, we continue our conversation about stablecoins and explore how they’re positioned to revolutionize the financial system. If you haven’t listened to part one, we strongly recommend going back for the foundational context. Today, we shift from theory to real-world applications, diving into the impact of stablecoins on everyday transactions, the infrastructure being developed around them, and the growing intersection with AI. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️ Chapters & Timestamps  (00:00) Welcome & Part One Recap  (00:46) Friction in the Financial System  (02:27) Real-World Adoption — JPMorgan & Digital Dollars  (04:55) The Next Big Shift: AI Meets Stablecoins  (07:32) Everyday Life with AI Agents  (10:02) How Stablecoins and AI Will Transform Work & Society  (12:58) Preparing for the Future & How to Connect with Hosler Wealth We begin by looking at the friction points in our current financial system—lengthy processes, wire fees, and outdated systems like checks. Bruce outlines how stablecoins, backed by the GENIUS Act and blockchain regulation—not government-controlled like CBDCs—eliminate these inefficiencies. We see how major institutions like JPMorgan are already moving over a billion dollars a day using stablecoins. Jason walks us through how financial infrastructure is evolving. From checkbooks to swiping credit cards, we now move into a digital realm where transactions are seamless and instant. He highlights how the entire ecosystem—acquiring, saving, spending—is being rebuilt to accommodate stablecoins, with all the major financial players involved. The conversation then takes a futuristic turn as we explore the rise of AI agents. These digital assistants will handle everything from booking flights to managing bills, all while using stablecoins without requiring any personal data. Bruce and Jason explain how this drastically changes privacy, convenience, and financial autonomy. From recurring utility payments to shopping online, AI agents will manage tasks quickly, securely, and autonomously, with the user simply setting parameters. We also examine the broader societal changes. While there are fears of AI displacing jobs, we agree the real transformation is in the nature of work itself—those who adapt and leverage AI tools will thrive. The episode closes with a call to action: change is accelerating, and now is the time to prepare, not panic. Whether it’s understanding stablecoins, AI, or new digital infrastructure, the key is awareness and proactive planning. For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/ Contact Our Team:  https://hoslerwm.com/contact-us/ Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342. For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/ Limitation of Liability Disclosures:  https://www.hoslerwm.com/disclosures/ Copyright © 2022-2026 Hosler Wealth Management | All Rights Reserved.    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.  #ProtectingWealthPodcast  #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

    15 min

  8. 12/17/2025

    What are Stablecoins?

    In this episode of Protecting and Preserving Wealth, we dive into the rapidly evolving world of stablecoins and why they matter for the future of digital finance. Bruce and Jason Hosler break down what stablecoins are, how they differ from other cryptocurrencies, and why the recently passed GENIUS Act is a game-changer for the space. We begin by clarifying that stablecoins aren't just another cryptocurrency. Unlike cryptocurrencies, which are known for their volatility, stablecoins are pegged to the US dollar or backed by US treasuries. This makes them more stable in value, and importantly, useful for real-world applications like instant, low-cost transactions on the blockchain. We explain how stablecoins serve as a bridge between traditional currency and the speed and efficiency of blockchain technology. A major focus is the GENIUS Act — short for Guiding and Establishing National Innovation for US Stablecoins — which was passed in July 2025 and becomes effective in 2027. This legislation provides a critical regulatory framework for stablecoins, including mandatory third-party audits of reserves and consumer protection measures. By ensuring that every stablecoin is fully backed by real-world assets, the GENIUS Act brings confidence and legitimacy to this technology, opening the door for broader adoption. We also explore how stablecoins eliminate the need for traditional banking infrastructure. You can transfer funds globally 24/7 for a fraction of the cost of traditional wire transfers. The implications are massive, especially for people in countries with unstable currencies or limited access to US dollars. And with major financial players like Visa already integrating stablecoins into their payment systems, this isn't hypothetical — it's already happening. Jon draws a parallel between stablecoins and podcasting, comparing how both have democratized access — one to finance, the other to media. The analogy holds as we discuss how stablecoins make it easier and cheaper for anyone with internet access to interact with digital dollars. We close by emphasizing that this is just the beginning. Part two of this series will cover the practical applications of stablecoins in everyday life. For now, we want our listeners to walk away with a better understanding of how this financial innovation works, why it’s growing so fast, and how regulation is finally catching up to support it. 📚 Get Bruce’s Book: Moving To Tax-Free (on Amazon) https://amzn.to/4msRo2k ⏱️Chapters & What You'll Learn (00:00) Welcome & Introduction  (00:31) What Exactly Are Stablecoins  (01:56) Backing, Value, and How They Work on Blockchain  (04:30) Real-World Uses — Payments, Speed & Lower Fees  (07:32) The GENIUS Act & New Regulations  (10:02) Global Adoption and What’s Coming Next For more information about anything related to your finances, contact Bruce Hosler and the team at Hosler Wealth Management: Visit us online at https://www.hoslerwm.com/ Contact Our Team:  https://hoslerwm.com/contact-us/ Or call them in their Prescott office at (928) 778-7666 or their Scottsdale office at (480) 994-7342. For more podcast episodes, visit our podcast website at https://hoslerwm.com/protectingwealthpodcast/ Limitation of Liability Disclosures:  https://www.hoslerwm.com/disclosures/ Copyright © 2022-2026 Hosler Wealth Management | All Rights Reserved.    Produced by JAG Podcast Productions - www.jagpodcastproductions.com.  #ProtectingWealthPodcast  #ProtectingandPreservingWealthPodcast #HoslerWealthManagement #BruceHosler

    14 min
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In the Protecting & Preserving Wealth podcast, Bruce Hosler discusses and provides timely answers to important topics for our listeners: • Tax Reduction Strategies • Financial & Estate Planning • Investment Management • Retirement Planning • Insurance Strategies • Business Owner Exit-Planning Strategies • Current Events and their Market Effects We started the podcast because a number of clients have questions, and this is a way for us to give them a venue to listen to different answers on all the things they're concerned about today. First and foremost, foundationally, for most people, taxes are a very important thing. We always start with taxes and then we go from there and work on financial planning issues like retirement. Am I going to have enough? How am I going to leave my stuff to my legacy, to my kids and family? In estate planning, we include asset management because everybody wants to know where their money's invested and how safe and how protected it can be. And how can it grow in the face of this inflation that we're facing today. And finally, we use insurance strategies to make sure that when the moment of truth arrives, everything's okay for the family. Throughout this podcast, we're going to meet the Hosler team and how each of them plays a role in securing your financial future. Hosler Wealth Management can be reached in their Prescott office at (928) 778-7666, in their Scottsdale office at (480) 994-7342, or on the web at https://www.hoslerwm.com/. Disclosure: Investment advisory services are offered through Mutual Advisors, LLC DBA Hosler Wealth Management, a SEC registered investment adviser. Securities are offered through Mutual Securities, Inc., member FINRA/SIPC. Mutual Advisors, LLC and Mutual Securities, Inc. (collectively “Mutual Group”) are affiliated companies. Forward-looking commentary should not be misconstrued as investment or financial advice. The advisor associated with this podcast is not monitored for comments and any comments should be given directly to the office at the contact information specified. Any tax advice contained in this communication, including any attachments, is not intended or written to be used and cannot be used for the purpose of 1) avoiding federal or state tax penalties, 2) promoting marketing or recommending to another party any transaction or matter addressed herein, and 3) Tax preparation and accounting services are offered independently through Hosler Wealth Management Tax Services. Any tax advice provided by tax professionals under Hosler Wealth Management Tax Services is separate and unrelated to any advisory or security services offered through Mutual Group. The accuracy, completeness, and timeliness of the information contained in this podcast cannot be guaranteed. Mutual Group does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation. Accordingly, Hosler Wealth Management does not warranty, guarantee or make any representations or assume any liability with regard to financial results based on the use of the information in this podcast. Protecting & Preserving Wealth (podcast) is owned and produced by Hosler Wealth Management Prescott Office: 700 S Montezuma St Prescott, AZ 86303 Tel. (928) 778-7666 Scottsdale Office: 7400 E Pinnacle Peak Rd Suite #100 Scottsdale, AZ 85255 Tel. (480) 994-7342 #HoslerWealthManagement #Protecting&PreservingWealthPodcast #BruceHosler #ProtectingWealthPodcast

Information

  • Creator
    Bruce Hosler
  • Years Active
    2022 - 2026
  • Episodes
    83
  • Rating
    Clean
  • Copyright
    © 2022-2026 Hosler Wealth Management | All Rights Reserved.
  • Show Website
    Protecting & Preserving Wealth

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