Money & Taxes from Bb to XYZ

In this episode of Money and Taxes from BB to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, go back to basics on property and casualty insurance: what it covers, why it matters, and how it fits into a broader financial plan. They explain the difference between property and liability protection, common policies like homeowners or renters, auto, and umbrella insurance. The conversation highlights how deductibles, premiums, emergency savings, and coverage limits all work together, and why your Emergency and Future Opportunities Fund (EFOF) should be strong enough to cover deductibles when claims arise. Regina and Jason also flag common insurance gaps, including too little umbrella coverage, low auto liability limits, missing uninsured/underinsured motorist coverage, and insufficient dwelling coverage on a home.TakeawaysProperty and casualty insurance protects both your stuff and your liability if you cause financial harm to someone else.Your EFOF should be large enough to cover deductibles so you can choose higher deductibles and potentially lower premiums.Review coverage regularly for gaps in umbrella, auto liability, uninsured/underinsured motorist, and dwelling coverage.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this episode of Money and Taxes from BB to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, walk through the key questions to ask when choosing or re-evaluating a financial planning professional. They explain why titles, designations, and services can vary widely across the industry. They also review why it’s important to understand a planner’s qualifications, fiduciary status, planning scope, typical clients, fee structure, and investment philosophy. The conversation highlights potential conflicts of interest, the difference between advice and product sales, and how to check for disciplinary history using public regulatory tools. Whether you’re hiring a planner for the first time or revisiting an existing relationship, this episode helps listeners gain clarity and confidence in who they trust with their financial lives.TakeawaysAsk whether a planner is a fiduciary at all times, not just in certain parts of the relationship.Make sure their services, fees, client experience, and investment philosophy align with your needs.Use public tools like FINRA BrokerCheck or the SEC’s advisor database to look for potential red flags.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, explore the idea of a digital safe deposit box: a secure, organized system for storing important personal, financial, and estate-related information in digital form. They explain the difference between physical originals that still need to be protected offline and the digital copies that can make life much easier for you and your loved ones. The conversation covers what to include, where to store it, and how tools like password managers, cloud storage, and legacy contact features can help create a practical system. They also emphasize that building a digital safe deposit box does not have to happen all at once; starting small and improving it over time can still make a meaningful difference for your own organization and for anyone who may need to step in on your behalf later.TakeawaysA digital safe deposit box can help organize important documents, passwords, and account access details in one secure system.Start simple: begin with basics like copies of your ID, Social Security card, estate documents, and recent tax return, then build from there over time.A well-organized digital system can make things much easier for loved ones or decision-makers during emergencies, incapacity, or estate administration.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, walk through estate planning from a financial planning standpoint. It's important to note that neither Jason nor Regina is an attorney, and the information provided in this episode is not legal advice. They explain why it's crucial to work with a licensed attorney to create and update estate planning documents and touch on why so many people delay this important task. Jason and Regina also discuss the emotional and financial barriers that can make estate planning feel intimidating, while emphasizing that having something current in place is far better than having nothing at all. The conversation covers the core documents that make up a basic estate plan — including a will, financial power of attorney, health care power of attorney, and living will — along with the role of trusts and why those decisions often require legal guidance. Regina and Jason also highlight the importance of coordinating beneficiary designations and account titling with your estate plan so your executor can carry out your wishes as you intended.TakeawaysA basic estate plan usually includes a will, financial power of attorney, health care power of attorney, and living will.Something is better than nothing. Even a simple, updated set of documents can be far more helpful than outdated or missing estate documents.Don’t overlook beneficiary designations, since they can override what is written in your will.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, break down the IRS’s annual "Dirty Dozen" list of tax scams and schemes to watch out for during tax season. They cover common threats like IRS impersonation by text, email, and even AI-generated phone calls, along with fake charities, misleading tax advice on social media, ghost preparers, and fraudulent tax credit schemes. The conversation also highlights newer issues on the IRS radar, including abusive capital gain claims and misleading offer-in-compromise marketing. Throughout the episode, Regina and Jason emphasize the importance of protecting your personal information, reviewing your return carefully, and working with qualified tax professionals to avoid costly mistakes or fraud.TakeawaysBe cautious of IRS impersonation scams, especially by email, text, or phone. The IRS usually contacts taxpayers by mail first.If something on a tax return or refund promise seems too good to be true, it probably is. Always review your return before signing it.Working with a qualified tax professional, such as a CPA or enrolled agent, can help you avoid scams, bad advice, and risky tax positions.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, step inside Jason's "tax bunker" to break down the sometimes seemingly overwhelming world of tax documents. From W-2s and 1099s to K-1s and 1098s, they explain what forms to expect, why some arrive later than others, and why filing too early can sometimes create more problems than it solves. The conversation highlights the importance of patience during tax season, especially when waiting on brokerage statements or partnership K-1s that may trigger the need for an extension. They also emphasize that not all tax documentation comes in the mail. Many records, such as property tax payments, charitable donations, and self-employment expenses, are your responsibility to track and organize. Whether you file yourself or work with a professional, staying organized and understanding the timeline can make tax season far less stressful.TakeawaysNot all tax forms arrive by January 31. Some brokerage statements, K-1s, and revised forms may take weeks or even months, so patience is key.Some of your most important tax documents are self-created records, like expense logs, charitable receipts, and property tax payments, so good recordkeeping matters.If taxes feel overwhelming, use a structured questionnaire or work with a qualified preparer, but be cautious of anyone promising results that sound too good to be true.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, dive into the subtle but powerful impact of lifestyle creep and inflation on your financial plan. They explore how rising income, combined finances, or even small “reward” spending habits can gradually increase your cost of living, often without you noticing. Jason and Regina highlight the importance of tracking expenses, recognizing spending patterns, and making intentional adjustments before lifestyle creep begins to derail long-term goals. They also discuss the difference between lifestyle inflation (which you can control) and economic inflation (which you can’t), and how keeping your dollars productive through smart saving and investing can help protect your purchasing power over time.TakeawaysLifestyle creep happens quietly, so tracking your spending is the first step toward identifying and correcting it.You can’t control inflation, but you can combat it by keeping your money productive in high-yield savings and investments.Intentional spending matters: If income increases, plan one mindful “treat” instead of letting expenses gradually expand across the board.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, explain why February — not January — is the ideal time to reset your budget and cash-flow plan. With holiday spending behind you and a clearer picture of your real monthly expenses available from January, February offers the opportunity to make meaningful, realistic adjustments early enough to influence the rest of the year. The conversation covers practical steps like reviewing subscriptions, right-sizing recurring expenses, planning for large upcoming purchases, as well as aligning savings with short- and long-term goals. Regina and Jason also emphasize that cash flow planning isn’t about restriction. Instead, iit’s about intentionality, balance, and aligning spending with your values while supporting the rest of your financial plan.TakeawaysFebruary is the ideal time to reset your budget with a clearer view of real spending after the holidays.Cash-flow planning is about intentional, values-based spending — not simply cutting costs.Align savings and upcoming large expenses with your plan by moving near-term money away from investment risk and into cash.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, focus on retirement planning in 2026. They discuss how small, intentional decisions early in the year can have a big, long-term impact. Using real-life examples, they discuss the importance of prioritizing tax-advantaged accounts like Roth IRAs, HSAs, and 401(k)s while still maintaining a strong emergency and future opportunities fund (EFOF) to support flexibility when life happens. The conversation highlights how time, compounding, and cash-flow planning work together — and why retirement planning should never exist in isolation from the rest of your financial life. They also emphasize balancing long-term retirement goals with near-term priorities, ensuring your financial plan supports both future security and present-day enjoyment, whether you’re still working or already retired.TakeawaysContributing to retirement accounts early in the year maximizes the time value of tax-advantaged growth.A well-funded emergency fund provides flexibility to invest confidently and handle unexpected expenses.Retirement planning should align with immediate-term cash-flow planning, short-term goals, and the major life events mixed throughout — not just long-term projections.You may need to adjust retirement contributions temporarily to fund upcoming goals without derailing your overall plan.Financial planning continues through retirement. Distribution strategies matter just as much as saving.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscriptions required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this episode of Money and Taxes from BB to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, kick off the new year by exploring why January often feels like the perfect time for a fresh financial start — but isn't the only right time to revisit your plan. They discuss the difference between building a brand-new financial plan, doing a full plan refresh, and simply "polishing" specific areas like cash flow, investments, or taxes. The conversation highlights common life and financial changes that signal it may be time for an update, such as salary increases, shifting goals, or large upcoming expenses. Regina and Jason also emphasize the value of using the prior year's full spending data to gain clarity and make smarter decisions early in the year. The episode wraps with practical guidance on choosing the right level of planning support and setting yourself up for success early in the New Year — whether you're starting from scratch or fine-tuning an existing plan.TakeawaysJanuary is a great time to start or revisit a financial plan, but plan refreshes don't have to happen in January to be effective.A full financial plan refresh is most valuable after critical life or financial changes, like major income increases or drastically new goals.Reviewing a full year of spending data can reveal clear opportunities to adjust cash flow and savings.Not every change requires a full refresh. Targeted check-ins for cash flow, taxes, or investments can be just as impactful.Thoughtful, ongoing planning helps align today's decisions with the future you're working toward.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscriptions required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2026 FPFoCo

In this special holiday episode of Money and Taxes from BB to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, reflect on a year of growth — both for the podcast and for clients at FPFoCo — while helping listeners prepare for what’s ahead in 2026. They share key milestones from the past year, including client successes, expanded planning services, in-house tax preparation, team education achievements, and charitable giving in Northern Colorado. The conversation then turns toward breaking down important 2026 tax and financial planning updates, such as higher contribution limits for IRAs, 401(k)s, and HSAs, updated Roth IRA income phaseouts, and increased standard deductions. Jason and Regina wrap up with practical guidance on reflecting on financial wins, planning ahead for next year, and revisiting popular past episodes to strengthen your financial strategy. It’s a thoughtful mix of gratitude, perspective, and actionable planning guidance to close out the year and head confidently into the next one.TakeawaysTake time to reflect on your financial wins from the past year and identify opportunities to improve in the year ahead.Review updated 2026 contribution limits for IRAs, 401(k)s, and HSAs so you can plan to maximize savings early in the new year.Higher standard deductions and Roth income limits may create new planning opportunities in 2026.Ongoing education, efficient planning, and coordinated tax preparation can make a meaningful difference in financial outcomes.Revisiting foundational financial topics now can help you start the new year with clarity and confidence.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscriptions required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2025 FPFoCo

It’s getting close to year-end, and Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, are here to explain what Roth IRA conversions are, why they can be a powerful long-term tax-planning tool, and when they make the most sense. They’ll walk through situations where converting traditional IRA funds to a Roth IRA can reduce lifetime taxes — especially when current tax rates are low or future required minimum distributions (RMDs) might push someone into higher brackets. They also outline the practical steps for completing a conversion, emphasize the importance of having cash available to pay the tax bill, and highlight red flags that may mean a conversion isn't appropriate.TakeawaysA Roth conversion is essentially a bet that your tax rate today is lower than it will be in the future.Early conversions may help reduce future RMD-related taxes and create more tax-free growth over time.It’s a best practice to have cash available to pay the taxes on a conversion, ideally without withholding from the converted amount.Conversions work best when you don't need the money for at least five years and expect long-term benefits.Red flags include a lack of cash for paying the taxes on a conversion, no reason to expect higher future tax rates, or needing the funds soon.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscriptions required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2025 FPFoCo

Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, break down the most important year-end tax planning strategies for 2025. We'll explain gift tax limits, upcoming 401(k) catch-up contribution changes, and how the expanded SALT deduction cap could help more taxpayers benefit from itemizing instead of taking the standard deduction. We'll also cover smart opportunities for Roth conversions, tax-loss harvesting, and tax-gain harvesting before December 31, helping listeners minimize taxes now and optimize for the potential to build long-term tax-free growth. Whether you're preparing for retirement, maximizing your deductions, or looking for last-minute tax savings, this episode offers actionable guidance to make the most of the 2025 tax year.Takeaways2025 gift tax limits: $19,000 annual exclusion and nearly $14 million lifetime exemption.2025 is the last year high-earners ($145,000+) age 50+ can make pre-tax 401(k) catch-ups before they become Roth-only in 2026.Higher SALT deduction caps in 2025 mean more people may itemize and stack deductions, like charity or property taxes.Year-end planning opportunities include Roth conversions, tax-loss and -gain harvesting, as well as timing income or gifts across the December–January tax-year flip.RMDs for personal and inherited IRAs are due December 31.Have a tax question for the show?Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2025 FPFoCo

'Tis the season for tax planning — and considering charitable giving! In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, dive into how charitable contributions could impact your taxes in a positive way. As year-end approaches, they explain who might benefit from giving before December 31, how deductions work with the 2025 standard deduction, and what’s changing in 2026. From donor-advised funds to donating appreciated stocks instead of cash, the duo breaks down smart ways to give — without missing out on valuable tax savings.You’ll learnWhether charitable giving might make sense for your tax situationThe difference between gifting cash versus appreciated assetsHow donor-advised funds work when you want to give ... but aren’t sure where you want to give to yetTax law changes beginning 2026, like the new above-the-line deduction and AGI floorIdeas for maximizing deductions in a high-income yearTakeawaysIf you expect a high-income year in 2025, consider bunching charitable donations before the AGI floor arrives in 2026.A donor-advised fund lets you claim your deduction now — and select the charitable recipient later.Donating appreciated stock can help you avoid capital gains while still supporting causes you care about.Bonus!Here’s Jason’s favorite green bean casserole recipe! And don't forget about the IRS Tax Exempt Organization Search tool for verifying that your donations are tax-deductible.Have a charitable giving or tax question for the show?Email [email protected] and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscriptions required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.DisclosuresJason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.© 2025 FPFoCo

Why would Regi need life insurance? Jason Speciner, CFP®, EA, passes the pop quiz at the beginning of this episode. Then he and Regina Neenan, CFP®, ABFP®, talk about why some people generally need life insurance — and why others don’t. Listen in to better understand whether you might want to purchase a policy — or not — and how it could benefit those you leave behind.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

It’s time to get your health insurance in order! Open enrollment is right around the corner for many, whether you get your coverage through your employee benefits or a health care exchange. Are you confused about health insurance jargon and how it relates to the plan you choose? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to help. Listen in as they explain premiums, deductibles, coinsurance and copays, maximum out of pocket, and more — all in time for you to review what’s available to you.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

You’ve probably heard of a will. But what makes up a full estate plan? Regina Neenan, CFP®, and Jason Speciner, CFP®, EA, review the high points of creating a real estate plan. From beneficiary designations to using technology tools to build a basic estate plan or working through everything with an estate attorney, they’ll discuss why it’s important and what goes into it from a financial perspective. This discussion about estate planning does not constitute legal advice.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

When is the most optimal age to begin Social Security, how much can you expect, and how much of your expenses will it cover? Regina Neenan, CFP®, and Jason Speciner, CFP®, EA, discuss how to time when to begin your benefit, ideas for individuals and couples, and more. Plus, Jason shares his opinion on whether Social Security will even be around in the future (hint: they both strongly believe that it will!).Plus, if you listened to the end, this one’s for you! https://forms.gle/VKt1UkxnGxTojacr5Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

If Regina Neenan, CFP®, uses Monarch and Jason Speciner, CFP®, EA, uses YNAB, why do the majority of FPFoCo’s cash-flow tracking clients use Monarch? Learn the answer — and get a step-by-step walk-through of how Regi sets Monarch up on behalf of FPFoCo clients. Plus, make an easy-to-use tool even simpler as you follow along to set up your Monarch account, too!Looking for that Monarch Money discount code? It’s right here!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

How well do you know your own cash flow — and how much does Jason really know about Regi’s? In this episode, Regina Neenan, CFP®, shares their biggest spending categories. Then  Jason Speciner, CFP®, EA, chats with them about how to appropriately track expenses as a cornerstone of an accurate and effective financial plan.Looking for that Monarch Money discount code? It’s right here!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

We’re back with more One Big Beautiful Bill Act updates. With tax cuts come some potential pitfalls that could affect you, from reduced federal health care spending to limited tax deductions, eliminated credits, and more. Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to highlight some so you know what to watch out for — and what you might want to be ready for come tax time. Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

Riley’s back, and he’s here to chat about the tax implications of the One Big Beautiful Bill Act! On this episode, Riley Thoubboron, CFP®, joins colleagues Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, to review the tax-specific changes that the O-tripple-B brings — and what they could mean for you.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

It’s investment planning month for Jason Speciner, CFP®, EA, here at FPFoCo! In this episode, Regina Neenan, CFP®, chats with him about active and passive investment management and gets his take on choosing a more passive style for our clients. Plus, hear about target-date funds, rebalancing, the importance of your risk assessment, and more!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

Financial planning doesn’t end when you stop working! If you’re preparing for retirement, recently retired, or hitting a milestone — like three, five, or 10 years in — it’s probably a good time for a check-up. Where's your money coming from? Where's it going? And what are you doing when you’re no longer working? Wherever you're at in the retirement process, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have some ideas you can use to do it the right way. Plus, here’s the elder millennial meme that Jason mentioned and the Spotify link to the Die With Zero audiobook!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

Introducing the newest member of our team to earn a professional designation! On this episode, Christin Hutchcraft, FPQP®, joins Regina Neenan, CFP®, and Jason Speciner, CFP®, EA, to share her experience in completing the Financial Paraplanner Qualified Professional™ course and earning the credential. From the rigorous education program to how what she’s learned translates to her work in operations here at FPFoCo, listen in to hear all about Christin’s latest achievement!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

What would you do with a windfall? Jason Speciner, CFP®, EA, definitely knows what he would do! Listen in as he and Regina Neenan, CFP®, chat about different types of windfalls. They’ll discuss what you can do if one lands in your lap and how a financial plan could ground you emotionally as you make big decisions and navigate opportunities. Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

Put your savings to work for you! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share why it’s important to have an emergency and future opportunities fund (EFOF) — and why your money should be productive. Plus, if you’re looking for a high-yield savings account where you can keep your EFOF safe and earning interest, check out a few resources below!BankrateFlourish CashNerdwalletHave a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

We love HSAs! Learn why  Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are big fans of health savings accounts, how they differ from flexible spending accounts, and how you can make the most of your HSA. Plus, check out our blog on how to build your savings hierarchy based on your specific financial situation to learn where your HSA fits in!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

The end of tax season is the perfect time to do some tax planning! Join Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, as they talk about using your refund or balance due to inform the current tax year, reviewing and updating your W-4, avoiding penalties by making quarterly estimated tax payments, and so much more. Beginning just after tax season and putting the finishing touches on at year-end with check-ins in between could positively impact your life and finances for years to come.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

Are you holding onto old paperwork that shows your personal information? From junk mail to outdated insurance cards and old tax returns, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, let you know why it’s important to shred old and unnecessary documents. Learn what to keep, how to store it, and why to shred what you don't need to protect your identity. Plus, schedule your spot to stop by the FPFoCo office during our Shred-A-Thon — and grab some free FPFoCo SWAG while you’re there!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

Tariffs and tariff threats and retaliatory tariffs oh my! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share how you can adjust your budget for regular inflation, tariffs, and anything else that might come your way throughout the rest of this year and beyond. Hear how you can divide your budget into fixed, non-monthly, and flexible portions to help you focus on what you can control.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

Market volatility or economic concerns getting to you? Stick to the plan! Jason Speciner, CFP®, EA, talks with Regina Neenan, CFP®, about how he builds investment portfolios that are designed to include and manage downside risk. Learn what that means and when you should actually make a meaningful change to your portfolio — and your plan — in uncertain times.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

Ready to refresh your financial plan? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share instances when it makes sense to do just that. From starting your independent financial life to marriage, a new job, relocation, having children, retirement, and so many more critical life moments, they discuss the perfect opportunities for your financial plan build or refresh.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

Christin Hutchcraft has a new furry family member! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®,  hear Christin's story of teaching her son financial responsibility as he planned and worked hard to save for a dog. You’ll hear about the tasks he completed to earn money, how he thought outside the box as he prepared to adopt, and the responsibilities he’s now taking on to care for his sweet and cuddly pup, Creek! Plus, check out a photo of the whole Hutchcraft family in Christin’s blog, From Pennies to Paws: Teaching My 7-Year-Old Financial Literacy.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

With President Biden having eliminated the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) via the Social Security Fairness Act, some government retirees will soon receive higher Social Security benefits. On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®,  will discuss what this means for government retirees affected by the WEP and GPO, the Social Security Administration’s trust funds, and your own Social Security benefit — even if you work in the private sector.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2025 FPFoCo

The New Year is almost here! On today’s episode, we’re all in! Join the full team as Jason Speciner, CFP®, EA, Regina Neenan, CFP®, Riley Thoubboron, CFP®, and Christin Hutchcraft chat FPFoCo’s year in review. We’ll celebrate our clients’ and our firm’s successes in numbers from our implementation credit to continuing education hours and SEC registration to our new website. Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

Ready to make a move? A relocation, that is! On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have a special guest: Their FPFoCo colleague, Riley Thoubboron, CFP®! Riley just moved over 1,000 miles from Boulder, CO, to Bend, OR, and he’s here to tell us all about it, from financial to tax and personal aspects of the decision and the move itself.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

Happy Thanksgiving! On this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are celebrating gratitude and giving — of the charitable type, that is! We’ll explore local shopping, charitable donations, and the tax deductions associated with some types of giving. Plus, check out Jason’s favorite green bean casserole or the vegan version Regi makes each year!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

Do you know what your legal name is? Are you sure — and have you been using it properly? In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, will tell you where you can find it — and how you can properly update yours if you’ve used a variation of your legal name for anything official along the way. Plus, we’ll touch on the variety of reasons why people change their names and even share our nicknames with you!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

Happy Halloween! In honor of the holiday, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are sharing some of their holiday savings hacks. While their spending recently focused on spooky-themed items, you can use these tricks to treat yourself year-round. Listen in for easy ways to save from simple coupons to rewards that may be hidden in your health insurance app and extra discounts, too!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

Free financial planning sounds great! But what if it’s not actually free? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, chat about some potential downsides of free financial advice in this episode. Learn what they are and how you can find the true cost of a “free" financial plan. Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

Got equity compensation? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, give a (very) brief overview of the different types and how they’re taxed. From ESPPs to ISOs, RSUs, and NSOs, this explainer will help you better understand your own equity comp. Want to learn more? Check out our companion blog, NSO, ISO, RSU, ESPP, and ESOP: Making Sense of Equity Compensation Alphabet Soup. It includes links to individual articles that take an even deeper dive into each type of equity comp.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

What are the financial impacts of losing a loved one — and how should you navigate them as you mourn their loss? On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, explore how loss affects individuals financially. They also review actionable ways in which you can accept your own mortality and prepare so you can reduce strain on the people you care about at your death, from naming beneficiaries on your first accounts to creating a robust estate plan and everything in between.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

Check out our new website at fpfoco.com! There, you’ll find the new home of Money & Taxes from Bb to XYZ — and a whole lot more!Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

In a world where hacks and data breaches seem constant, what can you do to protect yourself? With so much of your personal data tied to your financial life, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, review data security best practices — and what you can do to protect your credit and finances if you’ve been a victim of fraud.Plus, check out this resource from the Federal Trade Commission on Credit Freezes and Fraud Alerts.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

As wildfires again burn where FPFoCo is based in Larimer County, Colorado, across the country, and beyond, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are reminded that preparedness is key. They’ll break down homeowners insurance considerations and policy areas to review for those in each generation, from baby boomers to generations X, Y, and Z.  Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

What does it mean to be intentional when it comes to saving and spending? Let Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share their perspectives. From saving enough while enjoying your life, it’s all about balance.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Plus, you can check out Jason’s blog, Confessions of a Dance Dad: Financial Planning Edition here!Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

Relationships with work are changing. In this episode of Money & Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, discuss our evolving relationships with work and how members of each generation — from Baby boomers to X, Y, and Z — can intentionally enhance their work-life balance.Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! You can also follow us on your favorite social media platforms @fpfoco.Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 FPFoCo

Did you know that 25% of adults identify as being Childfree? Listen in as our first-ever special guest, Dr. Jay Zigmont, CFP®, Childfree Wealth Specialist®, founder and CEO of Childfree Wealth®, and host of the Childfree Wealth® podcast chats with Jason Speciner, CFP®, EA, and Regina Neenan, CFP®. They’ll discuss what being Childfree is, how it’s different from simply being a SINK or DINK, and how it impacts financial planning for those across generations from baby boomers to those in generations X, Y, and Z!Plus, check out these resources from Dr. Jay:https://fcatalyst.com/blog/march2023/a-family-of-one-the-ascendence-of-solo-householdshttps://www.midlandnational.com/capitalincome Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 Financial Planning Fort Collins

Disability insurance is part of many employee benefit plans. But what do you do if you’re self-employed, if it’s not available to you through your employer, or if it doesn’t provide enough coverage? Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, break down ways for you to insure your income and why it’s important. Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.Learn more about Financial Planning Fort Collins at fpfoco.com, and be sure to subscribe to get the latest episodes in your favorite podcast feed! Jason Speciner and Regina Neenan are investment advisor representatives of Financial Planning Fort Collins, a registered investment advisor. The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. © 2024 Financial Planning Fort Collins