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Behind The Designs

Financial Design Studio

69 episodes

1 week ago

If your spouse knows how your finances work, what happens after they pass? In this episode, we helped our fictional client Renee, a recent widow, understand the moving parts of her financial picture, work through the inheritance process, and adjust her taxes for the individual tax bracket. 💥 DOWNLOAD our free retirement planning guide: https://financialdesignstudio.com/two-questions-we-ask-every-client-before-they-retire/ 🚀 WORK WITH US: https://financialdesignstudio.com/get-started/ 👋 ABOU...

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All content for Behind The Designs is the property of Financial Design Studio and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

If your spouse knows how your finances work, what happens after they pass? In this episode, we helped our fictional client Renee, a recent widow, understand the moving parts of her financial picture, work through the inheritance process, and adjust her taxes for the individual tax bracket. 💥 DOWNLOAD our free retirement planning guide: https://financialdesignstudio.com/two-questions-we-ask-every-client-before-they-retire/ 🚀 WORK WITH US: https://financialdesignstudio.com/get-started/ 👋 ABOU...

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Episodes (20/69)

Behind The Designs

What You Forget to Plan, Until After Your Spouse Passes

If your spouse knows how your finances work, what happens after they pass? In this episode, we helped our fictional client Renee, a recent widow, understand the moving parts of her financial picture, work through the inheritance process, and adjust her taxes for the individual tax bracket. 💥 DOWNLOAD our free retirement planning guide: https://financialdesignstudio.com/two-questions-we-ask-every-client-before-they-retire/ 🚀 WORK WITH US: https://financialdesignstudio.com/get-started/ 👋 ABOU...

1 week ago

32 minutes

Behind The Designs

What to Learn from Retirees Who Donated All Their Money

In this episode, we walk through all the years of planning we've done for two fictional clients near the end of their retirement. Adam & Alice have saved super well but don't have any family to pass these assets onto. Their plan covers how to give everything away, healthcare in your older years, and building estate plans. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you abo...

1 month ago

37 minutes

Behind The Designs

Case Study 3: Repairing DIY Retirement Mistakes

In this fictional case study, we repair an outdated, one time, DIY retirement plan for recently retired professionals. With us on their side, its easy to repair common mistakes, start implementing strategies, and have peace of mind while enjoying retirement. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make educated financial choices! Learn more ab...

2 months ago

53 minutes

Behind The Designs

Case Study 2: Relocating to Care for Aging Parents

In this fictional case study, we help a couple nearing retirement decide how to fund the purchase of a new home, as they adjust to relocating to care for aging parents, without taking on debt and pushing back their retirement date. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make educated financial choices! Learn more about us at our website https...

3 months ago

1 hour

Behind The Designs

Case Study 1: Retiring Early to Travel

In this fictional case study, we walk you through a financial plan for two executives retiring in five years. They wonder how they will retire early without dealing with large withdrawal penalties or taxes on short term gains. And while they feel good about how much they saved, they still worry that they won't have enough after they start traveling in their retirement years. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach fina...

4 months ago

1 hour 8 minutes

Behind The Designs

2024 Tax Season Recap and 2025 Tax Planning

You might think about taxes once a year, but as financial advisors, we think about it all year round! In this episode, we share what we noticed while filing 2024 tax returns and how, in light of upcoming legislative changes, you can start your 2025 tax planning today. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make educated financial choices! Lea...

5 months ago

43 minutes

Behind The Designs

Hack Your Travels with Credit Card Points with Ism Shovan

Luxurious, regular travels might be more possible than you realize. Ism Shovan is a digital nomad that slow travels the world with his family using credit card points. In this episode, he talks about the travel lifestyle, how he plans his trips and funds them using points and miles. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make educated financial...

6 months ago

1 hour 9 minutes

Behind The Designs

How to Plan for RMD Taxes

If you have a retirement account, one day you will face Required Minimum Distributions. And the sooner you plan for these the better it will be for your taxes! In this episode, we walk you through how RMDs work, how to plan for them in advance, and how all this works for inherited accounts as well! We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make ed...

7 months ago

57 minutes

Behind The Designs

A Crash Course on Equity Compensation

How can executives make the best use of their company stock? In this episode, we break down a few common forms of granting stock, and strategies for how to exercise them in a tax efficient way. But that's not all, so take a listen for a crash course on equity compensation! We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make educated financial choices! ...

8 months ago

1 hour 8 minutes

Behind The Designs

The True Cost of Healthy Living with Rachel Staycheff-Hamm

The cost of healthy living be an expensive commitment. But you might find its worth it for your retired self. In this episode, our guest, Rachel Staycheff-Hamm shares how a diagnosis changed how she lives. She shares the ways she focuses on health for her family, from food to medicine, and the resources they use to achieve this. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you ...

9 months ago

1 hour 12 minutes

Behind The Designs

The Anti-Consumerist Manifesto

More isn't always better. Maybe living more really means living with less. In this episode, Anna breaks down the history of consumerism and where the dangers lie, as well as ways that you can chose to live differently. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make educated financial choices! Learn more about us at our website https://financialdes...

9 months ago

58 minutes

Behind The Designs

How to Get Involved and Make a Difference

Living a full life isn't about what you keep, it's about what you give. In this episode, we interview Marsha McClary who knows how to get involved, from her local town politics to international non-profits, like Feed My Starving Children. She shares her story, why she cares to make an impact, and ways that others can look to get started. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to te...

10 months ago

52 minutes

Behind The Designs

The Secret to Holiday Hosting with Chris and Kathy

Memorable gatherings leave you with stories for years. And this is what Chris and Kathy work to accomplish through their legendary parties, and their decor, themes, and guest lists. In this episode, these seasoned hosts share how they do holiday hosting, as well as a few stories and lessons learned from across the years.We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so...

11 months ago

1 hour 17 minutes

Behind The Designs

Start with Why: Steve's Story

In this episode, we interview Steve Smalenberger, the CFO and tax specialist at FDS. Get to know the man behind the scenes as he talks about his expereinces caddying, starting his own company, and training new accountants. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make educated financial choices! Learn more about us at our website https://financia...

11 months ago

56 minutes

Behind The Designs

What the Election Results Mean for Your Money

The 2024 presidential election results are in. Whichever candidate you voted for, we want to look at the next four years from a purely financial standpoint. In this episode, we talk though the market's historical trends, how potential initiatives will impact the economy, and what changes we might see to financial policies. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you a...

12 months ago

1 hour 13 minutes

Behind The Designs

So, You Want to Start a Business

What do you need to know before taking a hobby full time or launching a start up? In this episode, we break down the financial side of how to start a business. From finding funding, to deductions and distributions, and tax implications, we share our expertise as planners and experience as business owners. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can m...

1 year ago

1 hour 18 minutes

Behind The Designs

Healthcare for Aging Parents with Leah McNamara

Providing healthcare for aging parents (or yourself!) can be the most expensive part of your financial plan. In this episode, Leah McNamara, an ICU nurse, shares her story and the options you have for finding the right care for both your family and your budget. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make educated financial choices! Learn more a...

1 year ago

1 hour 9 minutes

Behind The Designs

How to Lower Your High Insurance Costs, with Ryan Delp

Expensive insurance seems to be the new normal. In this episode, Ryan Delp, an insurance agent, talks with us about why that is the case, ways you can look to lower your own high insurance costs, and what we might see going forward. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can make educated financial choices! Learn more about us at our website https:...

1 year ago

56 minutes

Behind The Designs

What Can I Do With My Mortgage with Tom Cramer

I have a mortgage but . . . whether you want to refinance, purchase a second home, or are getting divorced, you have a lot of options. In this episode, Tom Cramer, a mortgage officer at Wintrust, explains what is currently effecting the lending industry and what you can do with the mortgage you have. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach financial success. Part of our job is to teach you about money, so you can ...

1 year ago

48 minutes

Behind The Designs

Changes to Estate Tax Exemptions with Heather Walser

Estate planning can be as much about taxes as it is about beneficiaries. With the Tax Cuts and Jobs Act of 2017 sunsetting in 2025, there are going to be significant changes to the Estate Tax Exemptions. In this episode, our guest Heather Walser, an estate planning attorney, shares the changes we expect as well as how people are structuring their estate plan to prepare. We are Financial Design Studio: Michelle, Steve, Rob, and Trevore…We have a passion for helping others reach fina...

1 year ago

48 minutes