The Abundance Mindset

Allison Cline CFP®, ChFC® & Ben Cline CRPS®
  • 5.0 (18)
  • Entrepreneurship
  • Updated Biweekly

Real, transparent conversations about key financial planning topics. We don't like industry jargon or hidden fees / hidden agendas, so we're here to level up your financial IQ and provide you the resources you need to make wise decisions for yourself and those close to you. Visit us at https://www.abundancewm.com/ Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment advisor. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

  1. Sep 10

    The RSU Tax Trap: Why Withholding Isn't a Strategy

    If you receive RSUs, stock options, or ESPP shares as part of your compensation, tax withholding may be covering the bill, but it isn't necessarily optimizing your financial strategy. In this episode of The Abundance Mindset, Ben and Allison explain why equity compensation requires more than just withholding taxes and how high earners can build a financial operating system that coordinates tax planning, investment decisions, and long-term wealth building. In today's episode, Ben and Allison break down: • Common misconceptions about RSUs, tax withholding, and proactive tax planning • Why equity compensation can create unexpected tax opportunities and tax surprises throughout the year • How stock vesting, capital gains, and changing income levels impact your broader financial plan • The importance of tax projections, stock sale policies, and year-round planning for high-income professionals • How financial advisors and CPAs can work together to improve tax efficiency and decision-making Whether you're accumulating company stock, managing concentrated positions, or trying to get more intentional about your tax strategy, this episode will help you think beyond individual stock decisions and focus on building a system that supports your long-term financial goals. 🎯 RESOURCES FROM THIS EPISODE: ·        Take our 3-minute Equity Comp Quiz & get your free strategy assessment: https://tally.so/r/np92p8 ·        Download our free Equity Comp Guide by signing up for our newsletter: https://www.abundancewm.com/contact ·        Visit our website to request a complimentary consultation: https://www.abundancewm.com 🎧 Listen on Apple Podcasts, Spotify, or watch the full video version on YouTube: https://youtu.be/VR81WAK5g9g DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

  2. Aug 20

    Why Smart Financial Plans Can Still Fail

    A financial plan is only valuable if it is documented, updated, and implemented with discipline. In this episode of The Abundance Mindset, Allison and Ben explain why proactive financial planning matters for high-earning professionals, equity-compensated employees, and business owners whose financial lives are too dynamic for a once-a-year review. We discuss the difference between academically good strategy and operationally effective planning. ⏱️ TIMESTAMPS 00:00 Intro 00:54 Summer Studio Catch Up 02:16 Why Plans Go Stale 04:47 Cadence And Service Calendar 05:57 Year Round Planning Cycle 07:52 Strategic Inaction 10:18 Opportunity Windows for Action 11:52 What Proactive Planning Looks Like 16:05 Who Manages Your Money Life? 18:20 Wrap Up And Next Steps 📌 RESOURCES Visit our website to request a complimentary consultation: https://www.abundancewm.com DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

  3. Jul 16

    Finfluencers vs. Regulated Professionals: How to Spot Real Financial Signal

    Has "Hot Take" culture diluted good financial insights? Absolutely. Our latest podcast episode digs into the value of information communicated by regulated financial professionals - and why the hottest take is rarely the best take. Need better voices in your algorithm? Susbcribe to our YouTube channel and Podcast! ⏱️ TIMESTAMPS 00:00 Too Good To Be True 00:46 Why "Boring" Wins 01:42 Signal Versus Noise 02:50 What "Finfluencers" Are 03:43 What "Regulated Professional" Means 04:55 Compliance Standards for Professionals 08:00 Viral Money Myths 10:11 Curating Better Voices 10:46 Four Filters To Use 14:31 Principles Not Prescriptions 15:31 Wrap Up And Share DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

  4. Jul 2

    Is a Trump Account Right for your Child?

    Trump Accounts are officially here on July 4th — but are they actually worth using for your kids? If your child was born in 2025 or later, they may qualify for a $1,000 government-funded investment account — but that headline doesn’t tell the full story. The real question is how this new account compares to Roth IRAs, 529 plans, and brokerage accounts, and whether it fits into a smart long-term plan. In this episode of The Abundance Mindset, we break down: • What a Trump Account actually is (and how it works) • The real tax treatment (and why it’s more complex than it sounds) • Where it fits in your child savings priority stack • And the advanced Roth conversion strategy that could turn this into a powerful long-term advantage 👉 The key takeaway: Trump Accounts aren’t a primary strategy — but used correctly, they can unlock a high-impact tax play when your child turns 18. 📌 RESOURCES Visit our website to request a complimentary consultation: https://www.abundancewm.com ⏱️ TIMESTAMPS 00:00 – The $1,000 “free money” headline (and what people are missing) 01:20 – Why parents prioritize saving for kids 02:00 – How Trump Accounts compare to Roth IRAs & 529s 02:30 – Eligibility rules + who gets the $1,000 seed funding 04:20 – Contribution limits ($5,000 cap explained) 05:00 – Tax treatment breakdown (after-tax + tax-deferred growth) 06:15 – Employer contribution benefits 06:50 – Liquidity rules (locked until age 18) 07:30 – Qualified uses: education, home, or business 08:20 – Investment limitations (US index funds only) 09:30 – Key differences vs Traditional IRAs 10:30 – Why the tax benefits aren’t great… at first glance 11:15 – How this fits into a full financial plan 12:00 – Our ideal priority stack for kids’ accounts 12:20 – #1: Why Roth IRAs are still the gold standard 14:30 – #2: 529 plans (and their limitations) 16:30 – #3: Brokerage accounts (flexibility + estate benefits) 18:15 – Where Trump Accounts actually fit 18:40 – The Roth conversion strategy at age 18 20:00 – How to potentially convert at little or no tax 21:00 – Turning Trump Accounts into a “supercharged Roth” 22:15 – Final verdict: when (and why) to use them 23:00 – Important planning caveats 23:30 – How to build your own strategy DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

  5. Jun 18

    Google Employee? Key 401(k) & GSU (RSU) Strategies

    Are you fully optimizing your Google 401(k) and GSU grants? 📌 EPISODE RESOURCES - Request a free strategy assessment via our website: https://www.abundancewm.com/contact?utm_source=youtube&utm_medium=video&utm_campaign=abundance_mindset_ep055&utm_content=yt_description - Check out our podcast episode on Stock Options: https://www.abundancewm.com/podcast/episode/56bf3b05/stock-options-give-you-options-mastering-your-equity-comp In this episode Allison (CFP®) and Ben (CRPS®) explain key financial planning opportunities and common mistakes for Google employees around the Google 401(k) and Google equity compensation (GSUs/RSUs). Google has a lot of nuance and customization in these vehicles, which can be powerful. But with more nuance and customization comes more complexity. Don't miss out on efficiences or make avoidable tax mistakes! ⏱️ TIMESTAMPS 00:00 Intro 02:29 The Google 401(k) - Overivew 02:51 401(k) - Contribution Layer 04:26 After Tax Auto Enrollment 05:44 401(k) - Tax Layer 10:05 Generous Match And Vesting 11:51 401(k) - Investment Layer 17:00 Equity Comp Basics GSUs 18:30 Monthly Vesting Tax Impact 20:42 Withholding And Tax Planning 22:43 Diversifying Employer Stock 25:05 Wrap Up DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

  6. Jun 4

    Maximizing Tax Efficiencies in Investments

    Your Portfolio Might Be Worth Less After Taxes (Here’s Why)   Great investment management isn’t just about picking strong holdings — it’s about proactively managing the tax impact of those holdings, especially in taxable investment accounts. Without a tax plan, investors can end up paying the IRS far more than necessary when they eventually use the account.   🎯 RESOURCES FROM THIS EPISODE: Visit our website to request a complimentary consultation: https://www.abundancewm.com/contact?utm_source=acast&utm_medium=acast&utm_campaign=abundance_mindset_ep054&utm_content=ac_description 🎧 Listen on Apple Podcasts, Spotify, or watch the full video version on YouTube (https://youtu.be/b_rAaEjwdBo) ⏱️ TIMESTAMPS DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

  7. May 21

    How to Turn Your HSA Into a Shadow Roth IRA

    The HSA “Shadow Roth IRA” Strategy: How to Turn Medical Receipts Into Future Tax-Free Income. Health Savings Accounts (HSAs) are uniquely “triple tax advantaged” accounts. And there are more ways than one to ues them effectively. Today we'll walk through three levels of using an HSA and dive into an advanced planning strategy we're dubbing the "Shadow Roth IRA" (or "Level 3"). 📌 RESOURCES Visit our website to request a complimentary strategy assessment: https://www.abundancewm.com/contact TIMESTAMPS 00:00 Introduction 02:15 Key Terminology 05:04 Level One: Spend As You Go 06:58 Level Two: Invest And Grow 11:31 Who Should Try Level Three 12:52 Level Three: Shadow Roth Receipt Strategy 16:25 Early Retirement Tax Planning 18:44 Documentation And Penalties 21:14 Wrap Up And Next Steps Hosted on Acast. See acast.com/privacy for more information.

  8. May 14

    Seven Signs You've Outgrown Your Financial Advisor

    Too often people stay loyal to a financial advisor even after their financial life has outgrown the advisor’s service model. In this episode we’re contrasting investment-only relationships with proactive, comprehensive planning that integrates taxes, estate, insurance, and coordination with a CPA. Do you see any of these flags in your own financial advisor relationship? Reach out for a complimentary strategy assessment! 📌 RESOURCES Download our free Equity Comp Guide by signing up for our newsletter: https://www.abundancewm.com/contact Visit our website to request a complimentary strategy assessment: https://www.abundancewm.com DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this video, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

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About

Real, transparent conversations about key financial planning topics. We don't like industry jargon or hidden fees / hidden agendas, so we're here to level up your financial IQ and provide you the resources you need to make wise decisions for yourself and those close to you. Visit us at https://www.abundancewm.com/ Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment advisor. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

Information

  • Creator
    Allison Cline CFP®, ChFC® & Ben Cline CRPS®
  • Years Active
    2024 - 2026
  • Episodes
    59
  • Rating
    Clean
  • Copyright
    © Abundance Wealth Management
  • Show Website
    The Abundance Mindset

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