Unsolicited

Keith Wilson and Anthony Ruffalo
  • 5.0(2개의 평가)
  • 가이드

 Welcome to Unsolicited, where financial clarity meets actionable strategies! Hosted by financial advisors Keith Wilson and Anthony Ruffalo, this podcast breaks down the essential components of financial planning—investing, retirement planning, estate planning, risk management, and tax-saving strategies.  Our goal is simple: to help you make informed financial decisions, grow your wealth, and secure your financial future. Whether you're just starting out or fine-tuning your financial strategy, Unsolicited provides expert insights, real-world examples, and practical steps to help you stay ahead. What You’ll Learn:✅ How to build and manage your investment portfolio✅ Strategies for a secure and stress-free retirement✅ Estate planning essentials to protect your legacy✅ Risk management tips to safeguard your wealth✅ Tax-efficient strategies to keep more of your money Tune in and start executing The Plan for your financial success! 🎧 Subscribe now 🔗 Follow us on Linkedin and YouTube

에피소드

  1. 2025. 07. 17.

    How Financial Advisors Add Value

    In this episode of Unsolicited, Keith Wilson and Anthony Ruffalo break down what real financial advising looks like—beyond just managing investments. We dive into how great advisors bring value year after year through strategic tax planning, estate guidance, navigating life events, and helping you avoid costly mistakes. It’s not about a one-time transaction. It’s an ongoing relationship built to adapt, adjust, and support your goals through every season of life. If you think a financial advisor just “manages money,” think again. How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    34분

  2. 2025. 07. 01.

    Annuity Awareness Month

    🎙️ It’s Annuity Awareness Month… or at least it was when we hit record. In this episode of Unsolicited, we dive into the world of annuities—yes, all of them. From immediate and fixed annuities to MYGAs, variable annuities, and fixed indexed annuities, we break down what they are, how they work, and where the confusion often begins. We don’t sugarcoat it. You’ll hear the good, the bad, and the “what were they thinking?” of annuities. Most importantly, we walk through where annuities might make sense in a plan—and when they absolutely don’t. No sales pitch. Just real talk. Because that’s how we do it here. How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    34분

  3. 2025. 06. 17.

    RSU's and Equity Comp: What You Really Need to Know

    In this episode of Unsolicited, Keith Wilson and Anthony Ruffalo break down the often misunderstood world of RSUs—Restricted Stock Units—and what equity compensation means for executives and employees alike. We walk through the three key events every RSU holder needs to understand: grant, vest, and pay—and how each impacts your taxes and planning. Then we tackle the big question: Should you sell or hold? The answer, as always, depends on your goals. Whether you're swimming in stock from a recent vest or just trying to make sense of your latest grant letter, we’ll help you figure out how an RSU fits into your broader financial plan. No fluff. No sales pitch. Just straight talk. Unsolicited, of course. How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    25분

  4. 2025. 06. 03.

    Is A 529 Plan Worth It?

    We dive into the world of 529 college savings plans, exploring their tax advantages, flexibility, and potential for creating generational wealth. This educational episode clarifies common misconceptions and provides practical advice for families considering this powerful financial tool. • 529 plans offer tax-free growth when used for qualified educational expenses • Qualified expenses now include K-12 tuition, student loans, and apprenticeship programs • Plans work best with a long investment timeline, ideally starting when children are very young • There are multiple options for unused funds, including changing beneficiaries or Roth IRA rollovers • The 10% penalty is waived for scholarships, military academies, and other specific situations • Starting early can create significant generational wealth by eliminating future student loan burden • Proper planning can minimize tax impact even if funds aren't used for education • Parents should prioritize their own retirement savings before funding education accounts Remember to subscribe to the podcast to hear more information to help you pursue your financial goals. How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    39분

  5. 2025. 05. 20.

    The Insurance Broker Dealer Conundrum

    What happens when your broker-dealer is owned by an insurance company? You guessed it—suddenly, your “financial plan” starts looking suspiciously like a life insurance sales pitch. In this episode of Unsolicited, we unpack the inherent conflict of interest in insurance-based broker-dealers and why it’s tough to promote real financial planning when you're expected to sell proprietary products. (Spoiler: It’s not ideal for clients—or advisors trying to do the right thing.) We also share the origin story of our satirical mini-movie series, Truthful Mutual—a not-so-subtle jab at some of the absurdities we’ve seen in the industry. Think: truth bombs wrapped in comedy. Now, let’s be clear: there’s nothing wrong with selling a product and being the expert in that field—if that’s what you want to do. Just don’t confuse that with comprehensive planning. To wrap it up, we offer some candid advice to younger advisors starting out—how to build your practice with intention, integrity, and a little less corporate nonsense. 🧨 Unfiltered takes. Satirical detours. And just enough sarcasm to make compliance departments nervous. How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    36분

  6. 2025. 05. 06.

    Planning Through the Decades: Money Moves for Every Stage of Life

    In this episode of Unsolicited, Keith and Anthony take a walk down memory lane—sharing personal stories, financial missteps, and hard-earned lessons from their 20s, 30s, 40s, 50s, and 60s. Whether you're just getting started or staring down retirement, this episode is packed with practical tips, timeless advice, and a few laughs along the way. We talk about: What we wish we knew in our 20sThe pressure and pivot points of your 30sBalancing growth and stability in your 40sWhy your 50s are crunch time for retirement planningAnd how the 60s are about making it all work togetherNo matter where you are in your financial journey, this one’s for you. How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    56분

  7. 2025. 04. 22.

    The Retirement Planning Process

    When? Where? What? How? Why? No, this isn’t a grammar lesson—it's how we start building your retirement plan. In this episode of Unsolicited Podcast, Me and Anthony Ruffalo dig into the real questions that matter when planning for retirement. It’s not just about the numbers. It’s about your life. When do you want to retire? Where are you now financially? What does retirement even look like for you? How do we build a plan that actually works? And most importantly… Why? Are you retiring from something—or to something? We talk about the emotional side of retirement, not just the spreadsheets. Because the best retirement plans start with clarity, not just calculators. How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    26분

  8. 2025. 04. 01.

    EP#3: Unfiltered Q&A: Market Crashes, Hard Truths, and Why Planning Still Wins

    In this episode of The Plan: Unsolicited, Keith and Anthony go off-script for a rapid-fire Q&A—sharing real stories, honest reflections, and practical insights from years of working with clients. We’re answering questions like:  💥 Is investing easier or harder for younger people today?  💥 What’s the hardest thing we've ever had to tell a client?  💥 Are we scared of a stock market crash? This one’s fast-paced, unfiltered, and packed with lessons you can actually use—because behind every financial decision is a real person trying to make sense of it all. And at the center of it? A plan.  One that helps you navigate the noise, stay grounded, and keep moving forward—no matter what the market (or life) throws your way. How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    25분

  9. 2025. 03. 18.

    Ep#2 The 401k Distribution Phase: Making Your Millions Work for You

    You’ve spent decades building your 401(k), and now it’s time to enjoy the fruits of your labor. But how do you make sure your money lasts while maximizing your retirement lifestyle? In this episode, Keith Wilson and Anthony Ruffalo break down the 401(k) distribution phase, walking through a hypothetical scenario of a 65-year-old retiree with $3 million saved. We explore:  💰A 5% withdrawal rate & a 6.9% Return – What do these numbers mean for your retirement cash flow? 🚀 The Go-Go, Slow-Go, and No-Go Years – How your spending (and life) evolves in retirement. 🛡️ The Importance of Naming Beneficiaries – Avoiding costly mistakes for your loved ones. With humor, real-world insights, and financial expertise, we make sense of this critical phase of retirement planning. Whether you’re approaching retirement or advising clients, this episode is packed with valuable takeaways. 👉 Tune in now and get ready to retire with confidence! How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    18분

  10. 2025. 03. 04.

    401k Inflection Point! - When Wealth Starts Working For You.

    After years of diligent saving, strategic investing, and navigating the ups and downs of your career, there comes a moment when your 401(k) and overall wealth reach a tipping point—an inflection point where your accumulated assets start working harder for you than your new contributions. In this episode of The Plan, we explore how this moment unfolds, why your personal finances get stronger with each raise and promotion, and how, over time, saving actually gets easier. Join us as we break down the mechanics of compounding, the psychological shift from saving to growing wealth, and the key financial strategies to maximize this stage of your journey. Whether you’re just starting out or approaching your own wealth inflection point, this episode will help you see the bigger picture of financial success. How to get in touch with us: Keith Wilson keith.wilson@lpl.com Anthony Ruffalo: anthony.ruffalo@lpl.com check out our websites! Keith Wilson https://www.wfa-nc.com/ Anthony Ruffalo: https://ruffalowealthmanagement.com/ Our YouTube Channels Keith Wilson: https://www.youtube.com/@ThatFinancialGuy Anthony Ruffalo: https://www.youtube.com/@anthonyruffalo2704

    19분
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 Welcome to Unsolicited, where financial clarity meets actionable strategies! Hosted by financial advisors Keith Wilson and Anthony Ruffalo, this podcast breaks down the essential components of financial planning—investing, retirement planning, estate planning, risk management, and tax-saving strategies.  Our goal is simple: to help you make informed financial decisions, grow your wealth, and secure your financial future. Whether you're just starting out or fine-tuning your financial strategy, Unsolicited provides expert insights, real-world examples, and practical steps to help you stay ahead. What You’ll Learn:✅ How to build and manage your investment portfolio✅ Strategies for a secure and stress-free retirement✅ Estate planning essentials to protect your legacy✅ Risk management tips to safeguard your wealth✅ Tax-efficient strategies to keep more of your money Tune in and start executing The Plan for your financial success! 🎧 Subscribe now 🔗 Follow us on Linkedin and YouTube

정보

  • 제작진
    Keith Wilson and Anthony Ruffalo
  • 방송 연도
    2025년
  • 에피소드
    10
  • 등급
    전체 연령 사용가
  • 저작권
    © 2025 Unsolicited
  • 웹사이트 보기
    Unsolicited