Real Personal Finance

Scott Frank
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Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and Nick Covyeau. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. Scott and Nick are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.

  1. 1H AGO

    Your Financial To-Do List Before December 31st

    Most people wait until tax season to think about taxes, but by then, the window’s closed. Scott and Nick talk about how the best planning happens now, when there’s still time to adjust what’s already in motion. They get into some of the details that help shape your future: RMD timing, Roth conversions in the “golden window,” how bunching charitable gifts really works, and what happens when you accidentally nudge your income above a Medicare bracket. A friendly reminder that a little attention before December 31 can go a long way toward starting next year lighter, clearer, and better positioned. Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning. https://www.stonestepsfinancial.com/howmuch —  Ready to learn more?  Nick Covyeau on LinkedInSwell FinancialScott Frank on LinkedIn Stone Steps Financial  Leave us a question!  Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

    26 min

  2. OCT 30

    It’s Open Enrollment Season: How to Avoid Leaving Money on the Table

    A lot of people are under-utilizing their corporate benefits, unintentionally leaving money on the table. Open enrollment is a great opportunity to review your company’s benefits plan to ensure that you’re taking full advantage of everything they offer.  In this episode, we walk through some of the most common areas you can optimize your benefits, such as HSAs, FSAs, life insurance, disability, ESPPs, and more.  Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning. —  Get in touch with us! Scott Frank on LinkedIn Stone Steps FinancialNick Covyeau on LinkedInSwell FinancialLeave us a question!  How Much Do I Need To Retire? Quiz https://www.stonestepsfinancial.com/howmuch Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

    24 min

  3. OCT 16

    What Business Owners Need to Know About the OBBBA

    The One Big Beautiful Bill Act has some pretty great enhancements for business owners, but you have to know what you’re looking for in order to get them. Whether it’s the extension of Qualified Business Income, the 100% Bonus Depreciation, or Enhanced Qualified Small Business Stock, the bill has something for businesses of any size. In this episode, we walk you through six key provisions of the OBBBA that every business owner should be aware of, then we look at how you can take action now to reduce tax liability and boost cash flow. Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning. —  Ready to learn more?  Scott Frank on LinkedIn Stone Steps Financial Leave us a question!  How Much Do I Need To Retire? Quiz https://www.stonestepsfinancial.com/howmuch Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

    17 min

  4. SEP 12

    There’s More to Saving for Retirement Than Knowing How Much Money You’ll Need

    “How much money do I need to save in order to retire – what’s my number?” It’s one of the most common questions financial advisors get, and we understand why. People want a goal, something they can work toward to help them feel more at peace about how they’re saving. As is often the case in financial planning, when people ask for their number, the answer goes deeper than dollars and cents. It’s not just how much you save, but where you save and what you prepare for. Tune in as we look beneath your number to understand everything that goes into preparing for retirement.  Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning. —  Get in touch with us! Scott Frank on LinkedIn Stone Steps FinancialNick Covyeau on LinkedInSwell FinancialLeave us a question!  How Much Do I Need To Retire? Quiz https://www.stonestepsfinancial.com/howmuch Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

    16 min

  5. AUG 29

    Pre-Tax, After-Tax, Roth: How Should You Distribute Your 401(k) Contributions?

    People often think of their 401(k) as the set-it-and-forget-it retirement account. You set your contribution amount, get your employer match, and leave it alone. But what if your company gives you pre-tax, after-tax, and Roth IRA options? It’s a nice problem to have, but things can get complicated pretty quickly. In this episode, we’re answering a listener question from someone in just such a predicament, which is pretty common in the world of tech. Listen in as we get practical and break down the max contributions, pre-tax vs after-tax vs Roth, and much more.  Ready to learn more?  Scott Frank on LinkedIn Stone Steps Financial Leave us a question!  How Much Do I Need To Retire? Quiz: https://www.stonestepsfinancial.com/howmuch Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

    18 min

  6. AUG 15

    A Meaningful Conversation About Money with Former NYT Columnist Carl Richards

    Whether you know him as “The Sketch Guy” from his decade-long run as a NY Times columnist or you’ve heard him on a podcast, if you’re interested in the world of finance, you probably know who Carl Richards is. He has also written multiple books, including The Behavior Gap, The One-page Financial Plan, and his forthcoming book of sketches, titled simply Your Money.  In this episode, we sit down to talk through a few of Carl’s favorite sketches, how he came up with the ideas, and what he hoped to communicate with each. Whether it’s learning to be “less wrong tomorrow” or finding out what is on the other side of complexity, Carl’s sketches and insights will leave you feeling inspired. About our guest Carl Richards started The Sketch Guy column in The New York Times from the hills of Utah, crafting clear, relatable insights about money with just card stock and a Sharpie. The column ran weekly for a decade. This journey began when Carl applied for what he thought was a job as a “security guard,” only to find out the ad actually said “securities.” That slight misstep sparked a lifelong dedication to reshaping how we think about money. Resources mentioned in the episode Pre-order the book on AmazonYour Money: Using Money, Energy, Time, and Attention to Build Your Best Life by Carl by Carl Richards Bulk orders of Carl’s booksYour Money - Bulkbooks Support local bookstoresBookshop.org Ready to learn more?  Scott Frank on LinkedIn Stone Steps Financial Carl Richards on LinkedInCarl Richards on XCarl Richards on InstagramBehavior Gap

    24 min

  7. AUG 1

    The Good, the Bad, and the Ugly of the OBBBA

    Disclaimer: At approximately 12:09 in this episode, the income thresholds were misstated. The correct information is that the phase-out applies to incomes above $500,000 for single and married filing jointly, and $250,000 for married filing separately. With the OBBBA now signed into law, we’re sitting down to walk through the good, the bad, and the ugly. The biggest takeaway is that the new bill has opened the door to some great tax planning opportunities, but you have to act soon! Most of the OBBBA’s changes expire in four years, so you have a little time and space to consider doing a Roth conversion or realize some capital gains.  We explore the impact on tax rates, estate and gift tax, deductions, tax credits, and more. After that, we dive into how Congress will pay for the OBBBA, which I guess you could say is where things go from “good” to “bad” – or even “ugly.” Ready to learn more?  Scott Frank on LinkedIn Stone Steps Financial Nick Covyeau on LinkedInSwell Financial PartnersLeave us a question!  Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.

    21 min

  8. JUL 17

    Am I Behind? Rethinking Retirement Catch-Up Strategies

    Do you ever feel like you're behind on retirement? A 41-year-old listener with over $230,000 saved and a 50%+ savings rate, certainly did. In this episode, we explain why starting late doesn't mean finishing last, especially when you're making such incredible strides! We dive into the numbers, the idea of being "behind" and the importance of the right mindset during this prep-for-retirement journey. You will hear a little debate about Roth versus traditional 401(k), how your tax bracket should guide your choices, and why leaning too heavily on dividend funds might hold back your growth in the long term. After listening, you will have a question stuck in your head: “Is that intense saving strategy keeping me from living today?” Key takeaways: You can make huge progress even if you start “late”Mindset matters almost as much as numbersChoosing between Roth and traditional 401(k) contributionsDividend investing might not be the best strategyReady to learn more?  Scott Frank on LinkedIn Stone Steps Financial Nick Covyeau on LinkedInSwell Financial PartnersLeave us a question!  Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.

    30 min
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About

Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and Nick Covyeau. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. Scott and Nick are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.

Information

  • Creator
    Scott Frank
  • Years Active
    2019 - 2025
  • Episodes
    234
  • Rating
    Clean
  • Copyright
    © 2025 Real Personal Finance
  • Show Website
    Real Personal Finance

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