Fly On The Wall Finance

In this episode of Fly on the Wall Finance, Jaime Malm sits down with Gradient Investments Senior Portfolio Manager Keith Gangl, CFA to break down the forces shaping today’s investment environment. They discuss the recent Supreme Court ruling on tariffs and what it could mean for global trade, inflation, and U.S. markets. Keith also shares his perspective on the role of gold and silver in today’s portfolios, and the future of Bitcoin as an alternative asset. If you’re wondering how these major macro developments could impact portfolios in 2026 and beyond, this episode delivers practical insights advisors can use in client conversations right now.

Most people discover too late that the government has its own plan for their retirement savings. And their kids pay the price. In this episode we discuss how to turn tax surprises into tax smart strategy so you keep control of what you earned and preserve the impact you want to make. Tune in and learn how to protect your family from costly mistakes.

Headlines about fraud and bankruptcies among sub prime lenders have stirred flashbacks to the 2008 housing crisis, but are we really in a similar situation? In this episode, we discuss why a quote about cockroaches has stirred headlines and is causing concerns for everyday investors.

In this episode, we discuss the real-life habits, mindsets, and strategies the wealthy use to build and protect their fortunes , and how you can apply them to your own financial life. From how they think about debt and risk to the way they invest, save, and plan for the future, these are the lessons that separate those who simply earn money from those who build lasting wealth. Whether you’re just getting started or refining your financial plan, this episode will help you borrow the best ideas from those that have already built wealth.

Gold prices have soared over 60% this year, sparking talk of “dollar debasement” and fears of a weakening economy. But what does that really mean for everyday investors and retirees? We break down the buzz around gold, explain why people rush to it when the dollar dips, and share how long-term investors can protect purchasing power without chasing headlines.

The five years before and after retirement are the most critical for protecting your wealth. In this episode, we break down why this 10-year window can make or break your financial future , plus the key strategies to preserve your nest egg, avoid costly mistakes, and create reliable income that lasts a lifetime.

Government shutdowns, rate cuts, and nonstop headlines…what does it all mean for your money? In this episode, Jaime explains why markets often take Washington drama in stride and what adjustments you may or may not need to make in your portfolio.

In this episode, we dive into the powerful results that happen when a financial advisory firm and an accounting firm join forces. We introduce our strategic partner, Simmons and Simmons and discuss the most overlooked tax deductions, proactive tax planning and real examples of how to avoid costly mistakes and make smarter financial decisions.

In this episode, we cover the foundational items every parent and student should know about offsetting the costs of college, plus savings vehicles like 529 plans, Coverdells ESA’s and custodial accounts. We dive into scholarships, grants, FAFSA timelines and how to balance budgeting for college with your own retirement goals.

Having the financial freedom to retire is something we all desire, but where do you start? How will you know when you have enough money to retire? How do you ensure it will last as long as you do? In this episode we discuss the recommended steps to determining how much you will need to fill the income gap in retirement and options to ensure income is guaranteed, not subject to market fluctuations and protected from cost of living increases.

We are discussing why taxes in retirement may not be as predictable or as low as you expect, plus how changes in Medicare’s IRMAA surcharges can be controlled. Most importantly, we will share strategies to help protect your saving from legislative risk and taxes.

In this episode we discuss what’s changed with inherited IRAs, the biggest mistakes to avoid, and strategies for keeping as much as possible for yourself or your loved ones.

In this episode, we break down powerful retirement and tax planning strategies tailored specifically for small business owners, farmers, and ranchers. From SEP IRAs to Solo 401(k)s, discover which savings vehicles might be right for your unique situation. We’ll also explore key estate planning mistakes to avoid—especially for those with land, equipment, or family-run businesses. Whether you run a Main Street shop or a multi-generational ranch, this episode is packed with practical tips to help you reduce your tax burden and build long-term financial security.

If you have acquired a hodge podge of investments- maybe a 401k, plus a stock and mutual fund here and there, you likely have individual investments that may have made sense at the time of purchase, but do you know how they are collectively working together toward your bigger goals? If you aren’t sure how all the components of your plan work together, join us for this episode and find out how to be intentional with your financial plan and ensure your money is working hard to accomplish your long term goals.

Navigating the complexities of Social Security can feel overwhelming, but this episode simplifies it all. We'll break down common misconceptions and offer clear strategies for optimizing your benefits, whether you're years away from retirement or already claiming. Tune in to ensure you're making the most of this vital financial pillar.

In this episode, we break down the fast changing world of NIL deals with a focus on avoiding predatory contracts, navigating taxes, protecting against litigation and building long term wealth. This is vital info every athlete and parent needs to hear before the first deal is signed.

We discuss the 4 things we recommend everyone do to not just pass on wealth, but create family unity and avoid the most common mistakes made when attempting to create a legacy for our loved ones.

Big Changes with Tariff Pauses have Created a Major Reset.

Women face a unique set of financial challenges, especially when it comes to retirement. So today, we’re going to break that down—why women’s retirement needs are different, what steps they can take to plan better, and how to protect a surviving spouse financially.

This episode is all about 401(k)s—specifically, the common mistakes we see people make with them all the time. We’re breaking down eight big ones, and even if you only catch one that applies to you, it could save you thousands—or even tens of thousands—over the long run.

Annuities are one of the most misunderstood financial tools, but can play an important part of your financial plan…IF you know what to look for, what to avoid and how they work. In this episode, we are sharing the top 3 reasons why someone would use an annuity, the pros and cons and what to avoid if you are considering one.

Join us for this episode as we discuss the 6 big threats to your Nest Egg and what action items you should be taking now to protect yourself.

Join us for this episode as we break down tariffs, their economic ripple effects and what it may mean for your wallet.

Big changes are coming to Social Security in 2025, especially for teachers, police officers, and other public workers. The repeal of WEP and GPO means millions could see bigger benefits—but what does that really mean for you? We break it all down in simple terms, from who’s getting more money to when you can expect the changes to kick in. Don’t miss this episode if you want to know how these updates could impact your retirement!

Join us to explore how your financial advisor plays a crucial role in helping you navigate the challenges of cognitive and physical decline as we age. We are diving into how to handle situations to avoid worst case scenarios and ensure financial security while maintaining dignity and independence.

The start of a new year is the perfect time to set fresh financial goals. In this episode, we discuss strategies for setting and achieving your money objectives for the year ahead.

This episode breaks down the 401(k) rollover process, highlighting the benefits, potential risks, and steps to take for a smooth transition. Tune in to gain expert tips and insights to maximize your retirement savings and make confident financial decisions.

In this episode, we’re diving into the <strong>Top 3 Things You Should Do Before Year-End</strong>.Tthis episode is packed with actionable tips to help you wrap up the year on a high note.

Jeremy Bryan, CFA and Senior Portfolio Manager for Gradient Investments joins me on this episode to discuss the market outlook, the impact of the unemployment report, what to know about owning Gold and crypto...and so much more. Don't miss it!

In this episode, we discuss cybercrime, which is becoming one of the biggest threats to your financial security. Join us as we discuss come of the most common and dangerous threats are currently, how to identify them and ultimatley how to safeguard your assets, personal information, and financial future.

Taxes are currently on sale! We have a short window of time before the current Tax Cuts and Jobs Act expires, which brings many changes that may impact us all (not just high new worth people). In this episode, we discuss not only the changes and how you may be impacted, but what you can do right now (before the window closes) to take advantage of existing cuts and protect your money against future increases.

Fall is a great time of year to focus on a reset for your finances. Summer is over and it's time to get our budgets back on track. In this episode, we are giving you a short checklist of priorities for you to focus on before the end of the year. Don't wait to be intentional with a plan to ensure your financial success!

Join me for our first episode and I introduce myself and my unique perspective of mentoring and coaching top financial advisors for the last two decades. That won't be as boring as it sounds as what I have expereinced with those advisors is what made me want to start my own independent firm and work with clients directly. We are taking you behind the scenes and allowing you to be a "fly on the wall". I truly feel this is the best way to empower and educate yourself to make informed decisions regarding your financial future! Transparency is key and it is something I feel is very lacking in our industry. Time for a change and we are glad you are here!

Knowing the source of who is providing the advice you take to make financial decisions is one of the most important first steps in your financial journey. Who do they work for? How are they paid? This is one of the most common misunderstood areas of financial advice and it is very rarely talked about. We are diving in to help you understand the three sources of advice and what that could mean for you and the plans you implement.

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