Sandwich Bread Pod

Twin Robins Capital, LLC
  • 5.0 (7)
  • Society & Culture

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. 1d ago

    Long-Term Care, Broken Down: The Three Levels of Care and What They Cost w/ Elder Care Attorney Maureen Lester

    How much does long-term care actually cost, and which parts of it can you plan for? In this episode, Tom Kaminski welcomes back elder law attorney Maureen Lester for a third conversation, this time focused entirely on the cost side of long-term care. Maureen breaks down the three legally defined levels of care, independent living, assisted living, and skilled nursing, and walks through what each one actually costs today, from hourly in-home caregivers to full-time skilled nursing facilities. Tom and Maureen also get into how families actually pay for long-term care: private funds, long-term care insurance, and Medicaid, and why leaning on public benefits can mean giving up some choice over where you receive care. What you'll learn in this episode: How independent living, assisted living, and skilled nursing are legally defined, and what separates themCurrent hourly rates for in-home caregivers, and what drives that range up or downWhy "memory care" is a marketing term, not a legal one, and the questions to ask before choosing oneWhat assisted living and skilled nursing typically cost per month, and how quickly those costs can climbThe difference between short-term rehab (usually covered by Medicare) and true long-term careHow private pay, long-term care insurance, and Medicaid work together, and what relying on Medicaid can cost you in choiceWhy the fine print in an assisted living contract, especially the base room and board rate, matters more than most families realizeResources mentioned: National Academy of Elder Law Attorneys (NAELA): naela.org, use the Find a Lawyer tool to locate a qualified elder law attorney in any state 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

  2. Jun 23

    Risk Management for Growing Families: A Practical Insurance Primer w/ Dan Sullivan

    In this episode of the Sandwich Bread Podcast, Tom Kaminski sits down with Dan Sullivan, Managing Director at First Element Insurance Planners, to break down the insurance essentials every young family should understand. Dan brings a background in insurance litigation and law to the conversation, offering a "manager of risk" mindset rather than a "consumer of insurance" one. Tom and Dan cover: How to calculate the right amount of term life insurance, and why "10x salary" rules of thumb fall shortCommon life insurance pitfalls: paralysis by analysis, choosing the wrong product type, and laddering strategies to manage premiumsWhy long-term disability insurance is statistically more likely to be used than life insurance. An individual entering the workforce today has roughly a 25% chance of becoming disabled before retirement¹, and about one in eight workers will be disabled for five years or more during their career²How to evaluate employer group coverage versus supplemental disability policiesThe critical difference between "own occupation" and "any occupation" disability definitionsProperty and liability essentials: home replacement cost reviews, auto coverage check ins, especially with teen drivers, and why umbrella coverage is an underrated, low cost safety netWhether you're starting a family or already raising one, this episode is a practical primer for thinking through your insurance needs at every stage. ¹ U.S. Social Security Administration Fact Sheet, February 7, 2013.  ² Council for Disability Awareness, Commissioner's Disability Insurance Tables A and C. Disclosure: Tom is a fee-only financial planner. He is not licensed to sell insurance and receives no referral fees, commissions, or compensation of any kind from Dan Sullivan or First Element Insurance Planners. 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

  3. Jun 12

    The Estate Planning Problem: Why Having a Plan Is Only Half the Battle w/ Anne Rahmeier

    Estate planning is one of those things everyone knows they should do and most people keep putting off. But what happens when you finally do it and still get it wrong? In this episode, Tom sits down with estate planning attorney Anne Rahmeier to walk through the five most common mistakes she sees in her practice. Whether you are just starting to think about your estate plan or have not reviewed yours in years, this conversation will give you the clarity to actually move forward. Anne brings a rare combination of legal expertise and a genuine educator's heart. After more than a decade in the classroom, she now applies that same approach to helping families get their affairs in order before life gets complicated. What you will learn: Why hiring an attorney is not enough and you have to follow through on funding your trustThe real problem with online estate planning tools (hint: it is not the software)Why your estate plan should not look like your neighbor'sThe ancillary documents most people skip and why they may matter more than your willHow often to review your documents and what life events should trigger an updateThis episode is especially relevant for sandwich generation families navigating their own financial lives while keeping an eye on aging parents. Anne Rahmeier practices estate planning law in the Kansas City at Weese Rahmeier This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

    22 min

  4. May 26

    Student Loans: What You Need to Know Right Now w/ David Gourley

    Student loans are changing fast, and July 1, 2026 is a deadline that matters. Tom sits down with David Gourley, enrolled agent and student loan strategy expert, to walk through what is happening this summer in the federal student loan space and what borrowers need to do before it is too late. David has completed more than 700 student loan consultations and helped clients secure over $17 million in forgiveness. He specializes in working with teachers, public servants, and anyone who needs a clear-eyed guide through one of the most complicated corners of personal finance. What they cover in this episode: Public Service Loan Forgiveness is not going away, but nonprofit eligibility rules could changeNew borrowing limits for graduate and Parent PLUS borrowers take effect July 1The repayment plan landscape: what is sunsetting, what is new, and which plan you should be on based on when you took out your loansWhy borrowers who took out loans between 2007 and 2014 need to apply for PAYE nowThe Parent PLUS consolidation deadline and what happens if you miss itWhat 7 million SAVE borrowers can expect after July 1 and the 90-day window to actMarried filing separately: when it makes sense and how to run the numbersHow consolidation and weighted average payment credits can actually work in your favorDavid Gourley can be found on the links below:  Newsletter link: https://www.k-12planning.com/newsletter Website: https://www.k-12planning.com/ Student Loan Consultation: https://calendly.com/k-12planning 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

  5. Apr 3

    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

  6. Apr 3

    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

  7. 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.

    26 min

  8. 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
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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
    17
  • 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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