All Things Financial

Why Money Matters: Patterns, Mistakes, and Retirement Fears | All Things Financial00:00 Money Decisions as Patterns00:53 First Money Mistakes01:51 Debt and Depreciation Lessons04:30 Early Money Mentors07:05 DIY Retirement Pitfalls09:33 Best Moves in Your 20s11:39 Stretch vs Comfort Philosophy17:18 Overrated Retirement Advice18:23 Career Compounding and Fit20:43 Tough Partner Decisions22:27 Advisor Strengths Breakdown25:38 Business Growth Surprises28:43 Money Fears vs Reality32:11 Planning for Peaceful RetirementTrey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us:Trey C. Peterson: [email protected] Kuts: [email protected]: (612) 286-0580Contact us: https://atfwealth.com/contact-usTrey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

How to Maximize Your Tax Refund- 3 Simple StepsTrey Peterson and Yelisey Kuts break down three pillars of retirement tax planning for those in or nearing retirement: understanding your tax “buckets” (taxable, tax-deferred, and tax-free/Roth) and why having multiple buckets creates flexibility; evaluating when Roth conversions make sense (especially to manage future RMDs, tax brackets, and timing) including a look at “mega backdoor” Roth opportunities in some 401(k)s; and building a tax-efficient income stream with a clear spend-down plan and order of withdrawals. They also caution listeners about IUL pitches, emphasizing fees, commissions, and the risk that illustrations don’t match reality, and encourage working with a retirement planning specialist to avoid costly mistakes.00:00 Welcome and Overview01:21 Tax Buckets Explained03:57 Roth 401k Advantages06:43 IUL Warning Signs08:23 Roth Conversions Basics11:19 Conversion Timing and Investing13:16 Mega Backdoor Roth14:38 Tax Efficient Income Plan15:53 Withdrawal Order and Brackets18:04 Specialist vs Generalist21:22 Three Pillars Recap21:53 Closing and DisclosuresSubscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/2iIDj87... YouTube:    / @allthingsfinancialshow   Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Contact us: https://atfwealth.com/contact-us At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

How to Build a Winning Company Culture: Core Values, Leadership, and Morale | All Things Financial Podcast00:00 Welcome and Culture Topic01:16 What Culture Really Means02:23 Core Values Must Be Lived03:47 Hiring and Personal Chaos04:57 Three Culture Pillars05:58 Core Values at ATF06:14 Alignment in Practice09:01 Character vs Skill Fit11:45 People Quit Managers13:51 Integrity and Doing It Right14:36 Hiring Slow Firing Fast17:17 Leaders Create Culture17:27 Fun and Morale Strategy19:09 Belonging and Recognition20:29 Low Budget Morale Ideas22:39 What We Can Do Better26:00 EQ and Leaving Home at Home26:43 Recap and Closing27:15 DisclosuresHave questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us:Trey C. Peterson: [[email protected]]Yelisey Kuts: [[email protected]]Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-usTrey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

Here's a caption draft for All About Annuities, following the same structure minus timestamps since those aren't available yet:Are annuities a guaranteed paycheck for life, or a costly product that's misunderstood by most retirees?In this episode, Trey and Yelisey break down everything you need to know about annuities and how they fit into a retirement strategy. They explain the different types of annuities, how they generate income, and the pros and cons that often get overlooked in the sales pitch. The conversation covers who annuities make sense for, common myths and misconceptions, fees and surrender charges to watch out for, and how to evaluate whether an annuity belongs in your overall financial plan.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.comSubscribe to the podcast:Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwiYouTube: /@allthingsfinancialshowTrey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us:Trey C. Peterson: [email protected] Kuts: [email protected]: (612) 286-0580Contact us: https://atfwealth.com/contact-usTrey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master's degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master's degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

 Finance 101: Investing for Dummies - How to Start, Beat Fear, and Harness CompoundingTrey Peterson and Yelisey Kuts share beginner-friendly investing lessons, emphasizing that the biggest risk is not investing and that starting early—even with small amounts—lets compounding work over time. Trey recounts learning investing fundamentals after entering retirement planning in 2015 and describes how consistent 401(k) contributions became rewarding as his balance grew. They discuss why people avoid investing, including fear, lack of education, sitting in cash too long, and loss aversion, and cite market history showing frequent intra-year dips yet many years ending positive. A client example highlights how over-correcting to a more conservative allocation in 2020 led to missed gains. They cover inflation’s differing impact on investors vs. non-investors, advocate index funds and dollar-cost averaging, and outline steps to begin: capture 401(k) matches, open a Roth IRA (noting income limits), and use low-cost diversified ETFs while automating contributions.00:00 Welcome and Investing Basics00:38 Trey’s Investing Origin Story02:49 Compounding and Starting Early07:35 Why People Avoid Investing09:32 Market Timing and Volatility10:57 Fear of Loss Mindset12:46 Client Case Overcorrecting Risk15:57 Inflation and Asset Protection19:26 Core Concepts Indexing and DCA21:01 How to Get Started Steps22:09 ETF vs Mutual Fund Costs23:02 Automate and Final Takeaways23:31 Wrap Up and DisclosuresSubscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@AllThingsFinancialShow?sub_confirmation=1 Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

Are you focusing too much on a single nest egg target instead of building a guaranteed, lifelong income stream? Retirement is one of the biggest financial and lifestyle transitions you may ever make, and this episode explains why it requires more than simply building a large nest egg. Trey and Yelisey walk through the importance of clarifying expenses, creating a smart income strategy, planning for healthcare costs, and understanding how retirement spending often changes in the first several years. You’ll hear why the best retirement plans are built around peace of mind, realistic lifestyle choices, and a clear strategy for turning savings into dependable income.What you’ll learn in this episode: (00:19) How transitioning into retirement changes your relationship with work, paychecks, saving, and withdrawing money.(00:54) Why retirement may last 20 to 30 years and why that longer runway should shape your planning.(01:26) How retirees can turn investment accounts into a recurring paycheck with taxes withheld.(03:02) Why retirement planning conversations should begin several years before you expect to retire.(03:55) How to identify your income gap by comparing guaranteed income sources with real expenses.(05:22) Why some people spend more in the early years of retirement instead of less.(08:26) How shifting from a nest egg mindset to an income mindset can create more retirement confidence.(17:23) Why healthcare costs, travel goals, and lifestyle expectations need to be built into the retirement plan.Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/ 

Why does a significant increase in your salary rarely translate to a larger balance in your bank account? In this episode, Trey and Yelisey unpack how lifestyle inflation can quietly erase financial progress, even when income increases. They explain how bigger homes, newer cars, expensive dinners, vacations, and social pressure can absorb raises before families have a chance to save or invest. The conversation offers practical ways to create margin, automate savings, set lifestyle limits, and make financial choices that support both present enjoyment and long-term peace.What you’ll learn in this episode: (00:00) Lifestyle inflation often begins as soon as income increases.(01:08) A raise can disappear when savings and investment habits do not increase with income.(02:01) An extra $500 to $600 per month can make a major difference in retirement outcomes.(03:28) Families can balance saving for the future with creating meaningful experiences today.(06:20) Spending tends to rise proportionately with income across different earning levels.(07:30) Spending pressure can increase when you spend time with people who have more money.(12:15) Housing and transportation costs are two of the biggest areas to control.(19:18) How fixed expense limits, lifestyle ceilings, and automated saving can help fight lifestyle inflation.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

When does a Roth conversion make sense for YOUR retirement plan?In this episode, Trey and Yelisey continue their conversation on taxes in retirement by explaining how tax diversification can give retirees more flexibility and control. They walk through Roth contributions, Roth conversions, donor advised funds, qualified charitable distributions, and tax-loss harvesting while showing why each strategy depends on timing, income, and personal goals. The episode emphasizes the importance of coordinated advice so retirees can pay what they owe without accidentally creating avoidable tax problems.What you’ll learn in this episode: (01:29) Making contributions to an employer-sponsored plan can immediately lower your taxable income for that calendar year.(02:11) Building tax diversification across pre-tax, post-tax, and Roth accounts gives you greater flexibility with your spend-down plan in retirement.(04:53) A Roth conversion involves moving funds from a pre-tax account into a Roth account and paying the taxes upfront.(07:04) Leaving your converted funds untouched for at least 10 years is highly recommended to realize a true financial benefit.(11:27) The IRS eliminated the ability to use recharacterization to put money back if you over-convert your accounts.(14:07) Utilizing a donor-advised fund allows you to bunch charitable contributions and secure an immediate year-one tax deduction.(17:16) Qualified charitable distributions offer an above-the-line deduction that completely excludes up to $111,000 per person from taxable income starting at age 70 and a half.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

Did you know there’s a specific order of withdrawals that can help maximize retirement savings? Taxes can quietly become one of the biggest factors in how much retirement income investors and retirees actually keep. In this episode, Trey and Yelisey explain how Social Security taxation, withdrawal order, progressive tax brackets, RMDs, and account location can all affect a retirement plan. They also emphasize the value of proactive tax strategy so retirees can make informed decisions before small mistakes become expensive surprises.What you’ll learn in this episode: (01:52) Social Security benefits are subject to federal taxes depending on total income sources.(03:00) Provisional income is the key calculation used to determine what percentage of Social Security is taxable.(03:49) Taxation of Social Security has changed significantly since 1984, moving from tax-free to potentially 85% taxable.(05:48) Most financial experts recommend a withdrawal sequence starting with brokerage accounts, followed by pre-tax accounts, and ending with Roth IRAs.(09:12) Proper asset location involves placing higher-growth equities in Roth accounts while keeping safer assets in pre-tax vehicles.(11:27) Required Minimum Distributions must be planned well in advance to avoid unexpected tax consequences.(12:57) Excessive retirement income can lead to higher Medicare premiums and the loss of certain itemized medical deductions.(15:46) New legislation introduced a temporary senior tax deduction of $6,000 for qualifying individuals aged 65 and older.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

If your professional title were removed today, would those around you still view you as a leader based on your actions?This episode breaks down the foundational principles of leadership, starting with the often-overlooked skill of leading yourself. The hosts explore how leadership impacts every area of life: from personal habits to family dynamics and workplace culture. By focusing on consistency, humility, and intentional action, they reveal what it truly takes to lead well over the long term.What you’ll learn in this episode: (00:00) Leadership begins with learning how to lead yourself before anyone else.(02:34) Why taking action matters more than consuming information.(04:43) How habits and consistency shape your ability to lead effectively.(06:51) What it looks like to lead your family through intentional conversations and values.(08:06) Why small, overlooked issues can become major problems over time.(10:52) How family meetings and clear values create stronger leadership at home.(19:27) Why leadership in the workplace doesn’t require a title.(22:57) How identifying blind spots and encouraging feedback improves leadership performance.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

Are you just sitting on your money when you could be telling it where to go? Trey and Yelisey discuss the subtle, non-dramatic financial errors that can significantly hinder a person's ability to retire well. The episode highlights how delay, lack of planning, and emotional decision-making act as the primary barriers to long-term wealth. Listeners are encouraged to replace fear with disciplined habits and consistent action to achieve true financial peace.What you’ll learn in this episode: 00:49 Small, quiet mistakes like lack of consistency can be more damaging to your future than major events like bankruptcy.02:54 Skipping the first ten years of investing can result in losing approximately 40% of your total potential savings.04:49 Successful retirees often share a pattern of consistent employment without long gaps between paychecks.06:36 Despite rising costs of living, a survey shows that nearly 47% of Americans still lack a formal financial plan.07:53 When receiving a raise, it is vital to wait at least four months before increasing your consistent lifestyle expenses.12:11 The median American family currently holds less than $10,000 in liquid savings, leaving them vulnerable to common emergencies.15:40 Letting emotions drive your financial choices is a common pitfall that can be overcome with disciplined management.19:01 Working just two additional years past a projected retirement date can often help maintain a desired lifestyle indefinitely.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

When is the right time to start drawing income from savings?This episode explores the "Retirement Red Zone," the critical period spanning the final years of work and the beginning of retirement when investors must shift from accumulating wealth to creating a sustainable income plan. Trey and Yelisey discuss the technical complexities of optimizing government benefits and navigating enrollment rules to avoid lifelong financial penalties. Discover the psychological and strategic shifts required to confidently spend assets and manage market risks like the sequence of returns.What you’ll learn in this episode: 00:00 Why the retirement red zone is one of the biggest financial transitions in life.02:00 How to shift from earning a paycheck to creating your own income stream.05:00 Why most people don’t understand their investment fees and how that impacts long-term outcomes.08:00 How Social Security timing decisions can significantly affect total lifetime income.17:30 What to know about Medicare enrollment windows and how to avoid lifetime penalties.24:00 Why shifting from saving to spending is psychologically difficult and how to overcome it.27:00 How sequence of returns risk can impact how long your money lasts.31:30 Why coordinating income sources and creating guaranteed income leads to greater retirement confidence.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

What habits help ordinary earners accumulate significant wealth over time?This episode focuses on the fundamental shift from reactive, emotional money management to a disciplined, purpose-driven approach to building wealth. Hosts Trey Peterson and Yelisey Kuts discuss the psychological traps of social media comparison and the importance of maintaining "margins" in your income to ensure long-term financial peace. By prioritizing consistency over fads, listeners learn how to leverage business, real estate, and the stock market to achieve a secure and successful retirement.What you’ll learn in this episode:00:00 Why building wealth requires discipline and a clear plan in a chaotic world filled with conflicting financial advice.01:07 How social media and fast-moving news cycles create emotional reactions that can derail smart financial decisions.03:10 Why consistency and long-term saving habits often outperform high income alone when building wealth.07:19 How chasing “shiny object” investments can sabotage long-term financial success.10:47 What it means to live within financial margins instead of obsessively tracking every expense.17:07 Why investing in your career or business can be one of the most powerful wealth-building strategies.23:32 How lifestyle creep can erase income increases and prevent people from gaining financial breathing room.34:58 Why following a small number of trusted voices and strategies helps investors stay consistent for decades.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.comSubscribe to the podcast:Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwiYouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us:Trey C. Peterson: [email protected] Kuts: [email protected]: (612) 286-0580Contact us: https://atfwealth.com/contact-usTrey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.comThis episode was produced by Story On Media: https://www.storyon.co/

Are temporary emotional reactions leading to permanent, negative consequences for your retirement portfolio?Financial mistakes are often rooted in emotional triggers like fear, greed, and scarcity rather than a lack of intelligence or market knowledge. By identifying personal "money scripts" and shifting toward an abundance mindset, individuals can move away from survival mode and toward genuine financial peace. Working with a professional to create a visual, comprehensive plan allows retirees to pre-decide their actions during volatility, ensuring they stay disciplined enough to enjoy their best years.What you’ll learn in this episode: (00:00) How fear, scarcity, and greed influence everyday financial decisions.(02:34) Why retirement transitions often trigger emotional responses about control and income.(07:20) How panic selling during market downturns can cause investors to miss major recoveries.(10:40) Why inflation quietly erodes purchasing power over decades.(19:13) How missing just a handful of the market’s best days dramatically reduces long-term returns.(20:26) Why identifying personal “money scripts” is critical for financial growth.(27:15) How organized, comprehensive planning creates financial peace for retirees.(32:02) Why disciplined savers sometimes struggle to enjoy the wealth they worked hard to build.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

In this episode, Sophia Skoog interviews Yelisey Kuts to uncover the personal experiences and lessons that shaped his approach to investing and advising clients. Through stories, analogies, and real-world examples, Yelisey explains why discipline, time, and emotional control matter more than chasing short-term results. The conversation highlights how wealth is built slowly, preserved intentionally, and often lost through fear-based decisions.What you’ll learn in this episode:(01:28) How compound interest works using simple, memorable real-life analogies.(05:38) How undervaluing your time can become a costly financial mistake.(11:39) Why emotional reactions during market volatility create long-term damage.(13:57) How missing just a few strong market days can drastically reduce returns.(17:24) Why sudden wealth can be dangerous without the character to manage it.(19:32) How attempting to eliminate all risk can lead people to reintroduce it in unhealthy ways.(23:36) Why honest financial guidance sometimes requires uncomfortable conversations.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.comSubscribe to the podcast:Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwiYouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us:Trey C. Peterson: [email protected] Kuts: [email protected]: (612) 286-0580Contact us: https://atfwealth.com/contact-usTrey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.comThis episode was produced by Story On Media: https://www.storyon.co/

How does authentic encouragement build trust faster than any other leadership skill?In this episode, Trey and Yelisey talk with Jordan Montgomery about the transformative power of authentic encouragement. Jordan shares personal stories from his career in wealth management, his faith journey, and the pivotal moments that reshaped how he leads and serves others. Together, they unpack how encouragement, when rooted in truth and presence, creates trust, clarity, and lasting impact in both leadership and life.Jordan Montgomery is a leadership coach, speaker, and former wealth management professional. He is the author of The Art of Encouragement, where he challenges leaders to build trust and connection through authentic encouragement rooted in faith and self-awareness.What you’ll learn in this episode:(02:15) Why gratitude is one of the fastest ways to establish trust in any relationship.(04:42) Why personal failure can become the foundation for meaningful leadership growth.(10:46) How prayer and patience can clarify major career and life transitions.(13:13) The difference between authentic encouragement and empty affirmation.(16:29) Why asking better questions often matters more than giving advice.(24:27) How self-awareness and feedback expose leadership blind spots.(38:25) Why showing up with presence can be more powerful than words.Thanks to Jordan Montgomery for coming on the show!Be sure to get Jordan’s The Art of Encouragement: https://www.amazon.com/dp/1394234473Attend Jordan’s live leadership events and speaking engagements. Learn more:https://www.instagram.com/jordanmmontgomery/Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.comSubscribe to the podcast:Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwiYouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us:Trey C. Peterson: [email protected] Kuts: [email protected]: (612) 286-0580Contact us: https://atfwealth.com/contact-usTrey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.comThis episode was produced by Story On Media: https://www.storyon.co/

How does leadership change when it’s viewed as a lifelong process instead of a destination?In this episode, Sophia Skoog interviews Trey C. Peterson on leadership lessons learned through building a business, developing people, and navigating seasons of growth. He shares how leadership is less about titles or rapid success and more about becoming the person capable of stewarding influence well. The conversation centers on character, culture, and building something that lasts beyond recognition or financial gain.What you’ll learn in this episode: (01:41) How early misconceptions about readiness can limit long-term leadership growth.(03:18) Why building a dream requires the right team, not just individual effort.(05:42) How learning seasons prepare leaders for future earning and influence.(08:14) Why prioritizing family and values protects leadership over time.(10:03) How stewardship and generosity shape sustainable leadership influence.(13:15) Why character-driven decisions matter more than short-term financial wins.(28:57) How to distinguish between building something impressive and something enduring.Thanks to Sophia Skoog for coming on the show! Connect with Sophia: https://www.linkedin.com/in/sophia-skoog-402342265/ Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

How can identifying the "wrong" questions to ask a financial advisor actually lead to a more secure financial future?This episode breaks down common questions people ask financial advisors that often signal unrealistic expectations about markets, taxes, and retirement certainty. Trey and Yelisey explain why guarantees, predictions, and comparisons to others can undermine sound financial planning. Instead, they emphasize conservative projections, personalized strategies, and the importance of perspective in building lasting financial confidence.What you’ll learn in this episode:(00:43) Why asking a financial advisor to guarantee returns reflects a misunderstanding of risk and long-term planning.(03:17) How minimizing taxes legally differs from unrealistic expectations of eliminating taxes entirely for people preparing for retirement.(05:58) Why predicting short-term market performance is impossible.(08:05) Why questions about hiding money create ethical, legal, and relational risks investors should avoid.(11:11) How risk tolerance, lifestyle flexibility, and fixed expenses shape vastly different financial recommendations.(14:09) Why retirement timelines cannot be guaranteed and how small changes in assumptions dramatically affect outcomes for investors.(17:18) How conservative planning and honest course correction can help you stay on track when spending or assumptions drift.(23:21) Why mindset, purpose, and planning for life after work are critical to a fulfilling retirement.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.comSubscribe to the podcast:Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwiYouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us:Trey C. Peterson: [email protected] Kuts: [email protected]: (612) 286-0580Contact us: https://atfwealth.com/contact-usTrey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.comThis episode was produced by Story On Media: https://www.storyon.co/

What uncomfortable questions are you perhaps not asking your financial advisor, but which are also some of the most critical questions that you should be asking them?This episode tackles the awkward financial questions most people avoid asking and explains why those conversations are essential for a secure retirement. Trey and Yelisey break down questions related to savings, spending, longevity, taxes, and emotional decision-making, and how they all influence whether retirement plans succeed or fail. What you’ll learn in this episode: (01:00) Why asking whether you are actually on track for retirement is one of the most important conversations to have.(02:00) How understanding how long your money will last changes retirement confidence. (05:00) Why retirement success is driven more by expenses than by hitting a specific savings number.(09:00) What the 4% rule does—and does not—account for when planning long-term income.(12:44) What value a financial advisor should provide when charging an ongoing fee.(15:46) Why working with a retirement specialist matters more as retirement approaches.(19:45) How understanding account types affects taxes, withdrawals, and long-term outcomes.(28:24) Which spending habits quietly shorten retirement timelines and reduce flexibility.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

How might living by margin change your financial decision-making?In this episode, Trey, Yelisey, and guest Keith Craft explore the connection between financial discipline, leadership, and legacy. The discussion will challenge you to replace budgeting with margin-based living and to think differently about money, wisdom, and long-term impact. Keith Craft is a pastor, entrepreneur, and leadership coach. He leads one of the largest Christian masterminds in the U.S. and has invested decades coaching business owners, executives, and leaders to think with wisdom and build a lasting legacy. Trey and Yelisey have participated in Keith’s masterminds and leadership groups for over four years and credit his coaching with shaping their leadership style, business growth, and family priorities.Thank you to Keith Craft for coming on our show! Learn more about Keith, his coaching, and his masterminds: https://keithcraft.com/ Check out Keith’s book, Leadershipology 365: Leadership Inspiration for Every Day: https://www.amazon.com/dp/B0DQL4GBZ8 Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

Have you given much thought to how your definition of success might change after age 60?This episode will invite you to rethink what success really means after age 60 and why mindset matters as much as preparation. Trey and Yelisey discuss identity, purpose, structure, and perspective as key drivers of fulfillment in retirement. Rather than viewing retirement as an ending, the episode reframes it as an invitation to live with intention, connection, and meaning.What you’ll learn in this episode:(00:20) How redefining success after age 60 shifts the focus from work to purpose.(05:16) How losing control over the timing of retirement can affect emotional well-being.(06:41) Why building purpose outside of work before retirement leads to greater fulfillment later.(07:21) How structure and rhythm replace a work schedule and improve happiness in retirement.(09:08) Why service, volunteering, and giving back often provide more satisfaction than a paycheck.(21:19) How loneliness impacts retirees.(25:40) Why couples need shared and individual plans to thrive together in retirement.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.comSubscribe to the podcast:Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwiYouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us:Trey C. Peterson: [email protected] Kuts: [email protected]: (612) 286-0580Contact us: https://atfwealth.com/contact-usTrey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.comThis episode was produced by Story On Media: https://www.storyon.co/

Which long-term care funding strategy best aligns with your assets, retirement goals, and risk tolerance?In this episode, Trey and Yelisey explore how long-term care needs can dramatically impact retirement—financially, emotionally, and relationally. They explain why 70% of Americans will need some form of care and why failing to prepare can drain even strong retirement plans. They also walk through self-insuring, traditional insurance, and hybrid solutions to help you build a plan that protects both your finances and your family.What you’ll learn in this episode: (03:01) How unpredictable health events and expenses can destabilize even well-structured retirement projections.(05:28) What types of care exist beyond nursing homes. (08:07) How caregiving often falls on family members. (11:16) What activities of daily living (ADLs) are and why they determine whether a policy will pay benefits.(14:54) The true annual costs of long-term care today. (23:13) The three funding paths for long-term care are self-insuring, traditional long-term care (LTC) insurance, and hybrid or annuity-based solutions.(36:49) How to evaluate premiums, waiting periods, and payout structures when comparing long-term care solutions.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

How can you structure your investments so your money lasts as long as you do or perhaps even longer?In this episode, Trey and Yelisey outline practical strategies to help you build a retirement plan that withstands market swings, inflation, and longevity risk. They explain why balanced risk, Social Security timing, and the following three “buckets of money” can profoundly change retirement outcomes: * Yellow Bucket: Your protected, no-risk money (cash, savings, Social Security, pensions).* Green Bucket: Your low-risk income money (bonds, money markets, T-bills, annuities).* Red Bucket: Your growth money (stocks, mutual funds, ETFs).What you’ll learn in this episode: (00:49) How to use the three “buckets of money” to balance safety, income, and growth in retirement.(03:39) Why differing risk tolerances within a household can create inefficiencies.(06:04) How past financial trauma can push investors into overly conservative strategies that limit long-term growth.(11:19) Why bond underperformance over the past five years creates challenges for traditional 60/40 portfolios.(14:27) Why consistency and time in the market outperform attempts to time market highs and lows.(15:57) How retiring even one year earlier can reduce the lifespan of retirement savings by multiple years.(22:07) What rising life expectancy means for long-term financial planning.(32:47) How Social Security tax treatment can dramatically increase retirement income.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

How can you evaluate whether a college degree will pay off for your specific career goals?This episode explores whether college is still a worthwhile investment in a world where tuition is rising and alternative paths are becoming more viable. Trey and Yelisey break down the financial, personal, and career factors that determine whether higher education truly pays off. What you’ll learn in this episode: (00:58) Why the value of a college degree depends on your major, your goals, and your long-term earning potential.(03:38) How to decide whether you should pursue a four-year degree. (04:25) What current college tuition averages look like. (07:00) How trade schools and skilled labor paths can offer higher earnings with significantly lower debt than traditional college routes.(09:44) Why your early twenties should be viewed as “learning years,” not “earning years.” (12:59) The importance of mentors, relationships, and being in the right “rooms” when it comes to career development.(18:46) How networking can be some of the biggest returns on your education investment.(27:16) Practical financial tips for choosing a college and seeking scholarships. Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

How can rising wedding costs impact your long-term financial stability and retirement prospects?In this episode, Trey and Yelisey break down the booming wedding industry and reveal how its rising costs directly affect retirees. They explain the opportunity cost behind big gifts, why delayed marriage intersects with retirement planning, and how to provide support without sacrificing long-term financial security. From tax strategies to family dynamics, this episode will help you navigate major life-event expenses with clarity and confidence.What you’ll learn in this episode: (00:26) How delayed marriage trends are causing more retirees to fund weddings during their retirement years.(02:24) Why gifting $10,000–$30,000 has a far larger long-term impact once opportunity cost and compounding are considered.(03:34) How wedding venue choices and guest counts drastically influence total costs. (07:50) Which financial accounts to draw from first when helping pay for a wedding. (08:18) How the annual gift tax exclusion works. (12:45) Why transfers of appreciated stock can sometimes be a smarter gifting strategy than giving cash.(14:55) How timing withdrawals across multiple tax years may reduce the tax burden of a large wedding gift.(15:33) Why giving during life differs financially from gifting through inheritance due to step-up in basis rules.(21:55) When helping to fund a wedding, why it’s often best to give the money without any strings attached.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

What can you learn from Dr. Mark Rutland about turning personal faith into professional resilience?In this episode, Trey and Yelisey chat with Dr. Mark Rutland about what it takes to turn a crisis into a comeback. From rescuing failing organizations to building thriving ministries, Dr. Rutland shares timeless lessons about flexibility, stewardship, character, and faith. This conversation blends practical financial wisdom with spiritual insight, offering hope for anyone trying to rebuild. Dr. Mark Rutland is an author, educator, and leadership consultant who has revitalized organizations such as Southeastern University and Calvary Church. He is the founder and director of the National Institute of Christian Leadership (NICL) and Global Servants, a ministry that fights human traffickingWhat you’ll learn in this episode: 00:11 Why flexibility is a powerful trait of effective leaders.01:36 How Dr. Rutland helped rescue Oral Roberts University from financial collapse.03:46 The parallels between fixing a university’s finances and managing household debt.07:08 The difference between good debt that produces value and bad debt that drains resources.10:29 Practical principles for saving, giving, and living below your means.16:24 How to manage pressure, risk, and the fear of failure in leadership and life.25:54 The story of Global Servants and the fight against human trafficking in Thailand and Ghana.Thanks to Dr. Mark Rutland for being on the show! Visit https://www.globalservants.org  to learn more about the House of Grace in Thailand and Ghana or to support their mission.Check out Dr. Rutland’s new book, Keep On Keeping On: How to Die Young ... as Old as Possible: https://amzn.to/43SbFaS Learn more about leadership training opportunities through the National Institute of Christian Leadership (NICL): https://www.thenicl.com/ Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/ 

What really happens behind the scenes when financial advisors try to help clients stay on track?In this episode, Trey and Yelisey open up about the real challenges financial advisors face behind closed doors—from overspending clients to emotional investing and hidden purchases. Through honest stories, they reveal how transparency, planning, and partnership can make or break retirement success. This conversation offers a rare glimpse into the confessions, frustrations, and lessons learned from helping hundreds of families navigate their financial futures.What you’ll learn in this episode: (02:46) Why underestimating living expenses is one of the most common mistakes retirees make.(04:32) How disconnects between spending habits and financial reality create tension for couples nearing retirement.(08:00) Why being transparent with your spouse and advisor can prevent costly financial surprises.(10:07) The hidden impact of big purchases on long-term financial health.(13:19) How misleading financial advice on social media fuels risky decisions.(20:57) Why emotions and investing don’t mix—and how advisors help clients stay objective.(23:07) The dangers of blindly trusting financial advisors. (32:21) Why shared responsibility and understanding between spouses are essential for a healthy financial future.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

Once extra cash flow is achieved, what is the best next step to maximize financial growth?In this episode, Trey and Yelisey tackle a question many people face once they’ve moved beyond living paycheck to paycheck: what comes next? From self-investment and business growth to real estate and credit strategy, your hosts outline the key steps to multiplying wealth rather than just saving it. Whether you’re newly earning extra income or ready to scale, this episode breaks down how to use cash flow as a tool for lasting financial freedom.What you’ll learn in this episode: (02:20) Why investing in yourself through education, mentorship, and skill development often produces the best ROI.(05:39) How building your value at work can multiply your income.(07:31) How business owners can reinvest profits for long-term growth.(14:03) Why 401(k)s, IRAs, and Roth accounts are essential for wealth preservation.(16:14) How real estate can build both income and equity.(27:01) The impact of credit scores on borrowing costs, wealth creation, and financial opportunity.(30:50) The five key steps for turning extra income into a sustainable wealth-building plan.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/ 

What are some of the most important financial differences between renting and buying a home?In this episode, Trey and Yelisey break down the classic rent-versus-buy debate from both emotional and financial angles. They explore the true costs of homeownership, from property taxes to maintenance, and when renting might actually be the smarter option. By the end, you’ll have a clearer understanding of how to align your housing choices with both your finances and lifestyle values.What you’ll learn in this episode: (00:40) How your biggest asset—your home—can act more like a savings account than an investment.(02:37) How personal experiences and timing shape attitudes toward buying and renting.(05:10) The pros of renting include flexibility, fewer responsibilities, and no upfront costs.(06:03) The downsides of renting include no equity, rising rent, and limited control over your space.(09:40) How choosing the right location and real estate agent can turn homeownership into a better investment.(12:10) How much of your income should go toward housing.(16:15) Why homeownership costs extend far beyond the mortgage, including maintenance, taxes, and unexpected expenses.(20:57) How your home can be more than an asset—it can be an emotional and relational investment in family life.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/ 

In this candid Q&A episode, Trey and Yelisey open up about their first jobs, biggest money mistakes, and the lessons that shaped their financial philosophies. Through their stories, they reveal how discipline, stewardship, and faith have guided their approach to money and life. This conversation will remind you that success is about more than wealth; it’s about purpose, stability, and the people you share it with.What you’ll learn in this episode: (0:41) How Trey and Yelisey’s early jobs and family backgrounds influenced their views on money and work.(2:36) The biggest financial mistake Trey made early in marriage. (6:10) Why emergency funds are essential. (7:41) How Trey’s upbringing in a pastor’s family taught him stewardship, humility, and long-term investing.(11:11) What financial success looks like at different life stages. (16:41) Why you must find purpose before retirement to avoid depression and “gray divorce.”(21:45) How delayed gratification protects your future. (24:54) How Trey and Yelisey help clients find peace and purpose even when finances don’t go as planned.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

If the word "money" has negative connotations for you, how can you flip that so that "money" becomes a positive word? In this episode, Trey and Yelisey explore why "money" often feels like a curse word in today’s culture — and how to shift that mindset toward stewardship, abundance, and confidence. They unpack how upbringing, relationships, and even faith can shape our emotional relationship with money. What you’ll learn in this episode: (00:20) Why so many people associate money with stress, shame, or fear—and how to flip that mindset.(01:10) How cultural experiences and personal history shape your relationship with money.(03:33) Why basic financial disciplines like budgeting and debt reduction still work—no matter your background.(04:59) How financial transparency and communication can strengthen relationships.(09:23) Why some people don’t have an expense problem—they have an income problem, and how to fix it.(14:05) How choosing an abundance mindset over a scarcity mindset changes your financial future.(16:41) Why generosity is the key to staying grounded as your income grows.(24:27) How to build an emergency fund and make intentional choices that create financial peace.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/ 

In this episode, Trey and Yelisey break down the 10 rules of money, revealing practical strategies for building wealth and protecting your financial future. They explore the importance of generosity, living within your means, using debt wisely, and the power of consistency over time. You’ll walk away with a clearer vision of how to define wealth and create financial freedom that aligns with your values.What you’ll learn in this episode: (01:02) Why giving the first 10% of your income sets the foundation for purpose and financial success.(04:42) The importance of spending less than you earn.(09:51) How to avoid lifestyle creep by keeping housing and car payments under control.(13:03) Why debt can be both a destructive burden and a valuable tool.(17:09) How consistency and time in the market outperform attempts at timing investments.(20:20) The value of knowing your financial freedom number.(28:08) Why protecting your downside with insurance is critical for financial security.(32:26) The importance of investing only in what you understand.Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us: Trey C. Peterson: [email protected] Yelisey Kuts: [email protected] Phone: (612) 286-0580Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/ 

How might defining wealth differently change the way you live and how you retire?In this episode, Trey Peterson and Yelisey Kuts kick off Season Two with a candid conversation about redefining wealth, building stability, and balancing career choices with personal passions. They share personal stories, financial lessons, and insights from working with clients across all stages of life. The discussion challenges common myths about money, entrepreneurship, and success, offering practical guidance for creating lasting financial peace.What you’ll learn in this episode: (00:44) Why All Things Financial is expanding to cover fresh insights for younger and older audiences alike.(03:02) How true wealth is more about freedom and peace of mind than numbers in an account.(04:47) Why chasing income without considering fulfillment can lead to dissatisfaction.(09:26) How successful careers balance passion, skills, and necessary but less enjoyable tasks.(13:35) Why discovering your unique talents is key to long-term success.(17:18) How to focus on people who are truly aligned with your goals.(24:03) Why mastering financial basics like savings and debt payoff creates stability and long-term wealth.(28:26) How entrepreneurs can manage risk without betting everything on one idea.Learn more about Trey C. Peterson, Yelisey Kuts, and "All Things Financial”: https://ATFPodcast.comSubscribe to the podcast: * Apple Podcasts: https://apple.co/46Ofekh * Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi * YouTube: https://www.youtube.com/@allthingsfinancialshow In this podcast, Trey C. Peterson & and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit atfwealth.com to learn more!Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.Schedule a meeting with us:* Trey Peterson: [email protected]* Yelisey Kuts: [email protected]* Phone: (612) 286-0580Trey Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. All Things Financial serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Our advisory team provides fiduciary advice and services to individuals, businesses, and nonprofit organizations. Our mission is to help you: Retire once, Retire well. This episode was produced by Story On Media: https://www.storyon.co/ 

With Guest: Dr. Chris DeRienzo, Chief Physician Executive & Senior Vice President, American Hospital Association Hospital patients are even safer today than they were in 2019. That’s according to a new report by the American Hospital Association (AHA). Retirement.Radio’s Matt McClure speaks with Dr. Chris DeRienzo with the AHA about the study, what led to the results, and how lessons learned from the pandemic are helping improve patient outcomes. Schedule Your Meeting: Trey Peterson --- [email protected] Yelisey Kuts --- [email protected] Phone Number --- (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.  Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Inflation is more than just rising prices—it’s a silent force that can erode your retirement savings and impact your financial security. In episode 31 of All Things Financial, Trey and Yelisey explore how inflation affects federal retirees and their long-term planning. Learn strategies to protect your purchasing power, make the most of your retirement benefits, and ensure your savings keep pace with rising costs. Whether you're already retired or planning, this episode is packed with insights to help you navigate the challenges of inflation. Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.   Schedule Your Meeting: Trey Peterson --- [email protected] Yelisey Kuts --- [email protected] Phone Number --- (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial    About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.  Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Guest: Dr. William Logan, National Medical Director, Carelon Health Palliative Care November is National Palliative Care Month. Seriously ill patients often juggle many doctor visits, complicated medication schedules, and care instructions. They also experience a range of emotions that comes with navigating complex condition management. Serious illness can also affect patients financially because it's common for people with these conditions to end up in the hospital or emergency room on multiple occasions. The goal of palliative care is to improve patient well-being and provide comprehensive, wrap-around support throughout their treatment journey. And when loved ones choose palliative care, caregivers also get the help they need to take better care of themselves.   --- Schedule Your Meeting: Trey Peterson --- [email protected] Yelisey Kuts --- [email protected] Phone Number --- (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial   About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

An estimated 180,000 service members transition to civilian life annually, according to the Department of Labor. While veterans play a vital role in our communities and socie­­­­ty, they continue to face significant obstacles when entering the workforce. Matt McClure speaks with Lindsey Streeter, Senior VP of Global Military Affairs at Bank of America, about how veterans can make the transition from military to civilian life – and what employers can do to help. -- Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.   Schedule Your Meeting: Trey Peterson --- [email protected] Yelisey Kuts --- [email protected] Phone Number --- (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial   About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Retirement is the biggest life step one takes as they enter their golden years. Don’t be left behind or let your retirement get out of YOUR control. On episode 30 of All Things Financial, Yelisey and Trey discuss the six ways retirement has changed over the years and disperse three tips to plan for a safe retirement, not a risky retirement. Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.   Schedule Your Meeting: Trey Peterson --- [email protected] Yelisey Kuts --- [email protected] Phone Number --- (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial   About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Are you ready to take control of your retirement future. In episode 29 of All Things Financial, Yelisey and Ryan disperse actionable strategies and essential tips to set yourself up for a successful and secure retirement. Plus, the guys break down the top financial regrets of older Americans and discuss strategies to avoid these mistakes as you’re nearing or in retirement! Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!  Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.   Schedule Your Meeting:[email protected] | [email protected] | [email protected] | (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial    About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.  Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

GUEST: Jenn Jones, VP of Government Affairs, AARP   TOPIC: Each year the Social Security Administration announces the cost-of-living adjustment (COLA) for the upcoming year. Last week, leaders announced a 2.5% COLA for 2025. That is smaller than recent years – attributable to slowing inflation.   COLA increases are meant to offset rising prices including food, gas and living expenses. This year, retirees on a fixed income have struggled to keep up with inflation and the 2025 COLA is expected to provide some relief.   Schedule Your Meeting:[email protected] | [email protected] | (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial  About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Planning for retirement can be tricky, and making the wrong moves can cost you big in the long run. In episode 28 of All Things Financial, Trey and Yelisey break down the most common mistakes people make when preparing for retirement and how to avoid them. Whether it’s not saving enough, mismanaging investments, or misunderstanding your benefits, the guys cover it all! Don’t let avoidable errors derail your financial future! Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!  Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.   Schedule Your Meeting:[email protected] | [email protected] | (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial  About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Guest: Debra Whitman, PhD, AARP’s Executive Vice President and Chief Public Policy Officer and former staff director for the Senate Special Committee on Aging   In her groundbreaking new book, Debra Whitman provides a road map for navigating, and celebrating, the second half of life. A globally recognized expert on aging, Whitman shares insights on longevity, brain health, financial planning, work, housing, and the value of relationships and social engagement. Informed by Whitman’s unmatched expertise and her deep passion, The Second Fifty is an indispensable guide for living well in the 21st century whether you are approaching 50, into your later years or caring for someone who is.   Schedule Your Meeting:[email protected] | [email protected] | (612) 286-0580  Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Are you concerned about market volatility? In episode 27 of All Things Financial, Trey and Yelisey want to erase your fears of the potential hazards of the stock market and disperse five steps to prepare for a possible stock market crash in the future. Plus, the guys outline potential misnomers about annuities, including a detailed explanation of annuities with a death benefit! Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more!  Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule Your Meeting:[email protected] | [email protected] | (612) 286-0580  Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Fraud, identity theft and data breaches have become part of our everyday lives. So far in 2024, there have been more than 1,300 data breaches. Last year consumers reported losing more than $10 billion to fraud, the highest dollar amount ever reported, according to the Federal Trade Commission (FTC). Experian’s 2024 U.S. Identity and Fraud report reveals how consumers feel about cyber threats and their online footprint. Identity theft (84%) and stolen credit card information (80%) are consumers top online security concerns. People want more types of identity recognition techniques used to verify their identities. 70% of businesses said that AI fraud is expected to be the second greatest challenge for their business. WITH GUEST: Michael Bruemmer, Global Data Breach Resolution & Consumer Protection, Experian Schedule Your Meeting:[email protected] | [email protected] | (612) 286-0580  Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.  Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Retirement is more than just leaving the workforce—it’s an opportunity to design a life you’ve always envisioned! In episode 26 of All Things Financial, Trey and Yelisey how “smart vision” and “smart inspection” play a key role when planning for your retirement. Plus, the guys break down the five things you shouldn’t cheap out on in retirement. Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.   Schedule Your Meeting:[email protected] | [email protected] | (612) 286-0580  Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations.  Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Bonus episode! Guest: Leigh Purvis, Prescription Drug Policy Principal, AARP Public Policy. A provision in the 2022 Inflation Reduction Act will cap annual out-of-pocket prescription drug costs for people in Medicare prescription drug plans, beginning at $2,000 in January 2025. A new AARP report analyzes the number of enrollees that will benefit from the cap by state, age, gender, and race between 2025 and 2029. The findings indicate that Medicare drug plan enrollees who reach the new out-of-pocket cap will see average savings of roughly $1,100, or 56%, in 2025 for their prescription drugs.   Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule Your Meeting:[email protected] | [email protected] | (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

In episode 26 of All Things Financial, Yelisey and Trey break down the importance of understanding the “retirement red-zone” and go through the 401k checklist that could help you build a better retirement. Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. Yelisey and Trey are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule Your Meeting:[email protected] | [email protected] | (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

As you near your retirement, proper planning is essential to ensure financial stability in retirement. In episode 25 of All Things Financial, Yelisey and Trey break down three important steps to solidify that your money lasts in retirement. Plus, the guys discuss how election years impacted inflation. Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. Trey and Yelisey are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement planning or other financial topics? Send Yelisey, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.    Schedule Your Meeting:[email protected] | [email protected] | (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial    About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

On episode 24 of All Things Financial, Yelisey and Trey want to stress the importance of making up for lost time in planning for retirement, and why scheduling a check-up for your portfolio is the smartest and safest way to go when planning for retirement. Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. Trey and Yelisey are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.   Schedule Your Meeting: [email protected] | [email protected] | (612) 286-0580 Subscribe to the YouTube Page: https://www.youtube.com/Allthingsfinancial   About Guardian Wealth Strategies: Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

Have you heard from your advisor lately? In episode 23 of All Things Financial, Retirement Planning Specialists Yelisey Kuts and Ryan Moffitt discuss why getting a second opinion on your financial portfolio is a must in 2024, and why re-balancing your portfolio could serve a significant purpose in the future!  Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement planning or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.   Schedule Your Meeting:[email protected] | [email protected] | [email protected] | (612) 286-0580 Subscribe to the YouTube Page:https://www.youtube.com/Allthingsfinancial    About Guardian Wealth Strategies:Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.