The Ascent With Crestmont Private Wealth

The Ascent with Crestmont Private Wealth — World Cup & Global Diversification Host: Alec Walker, EVP of Financial Planning | ~13:36 Summary: Alec uses the World Cup — being hosted in Houston — as a jumping-off point to discuss global investment diversification. He covers how US markets represent only 62% of global equities and 41% of global bonds, explains the firm's "home country bias" approach, and reviews the "periodic table of returns" showing no country consistently tops the charts. He highlights recent outperformance by international and emerging markets (up 42% and 67% respectively since Jan 2025), and revisits the "lost decade" of 2000–2009 when the S&P 500 returned -0.78% while diversified portfolios thrived. He closes with a behavioral coaching message about avoiding FOMO and protecting downside risk. 0:00 — Intro & SpaceX IPO follow-up 0:44 — World Cup fever in Houston; transition to investment topic 2:31 — Diversification intro: US stocks, RSUs, concentrated positions 3:21 — Core portfolio approach: global diversification reduces top-10 concentration from 40% → 23% 3:56 — Global equity breakdown: US (62%, ~3,400 companies), Developed ex-US, Emerging Markets 5:32 — Global bond markets: US is only 41% of global bond cap 6:13 — Periodic table of returns (2005–2024): top countries, Denmark's 11.2% annualized return 7:30 — Key holdings: Novo Nordisk (Denmark), Samsung & SK Hynix (Korea) 8:43 — Recent 18-month data: S&P +27%, Russell 2000 +36%, Intl Dev +42%, EM +67% 10:07 — Recent rebalance rationale: trimming US exposure 10:30 — The Lost Decade (2000–2009): S&P -0.78% annualized; bonds +82%, EM +194% 11:53 — Behavioral coaching: avoid FOMO, protect downside, long-term planning 13:06 — Outro & crestmontpw.com Original Air Date: June 27, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of The Ascent, Sam Magee of Crestmont Private Wealth (Houston & Boerne, TX) breaks down the investment philosophy that guides every client relationship at the firm. From long-term investing and avoiding market timing, to asset liability matching and fiduciary responsibility, Sam explains the framework Crestmont uses to help clients build wealth through compounding returns — no sales pitch, just honest insight. Topics covered: What "long-term investing" actually means Why Crestmont doesn't try to time the market Asset liability matching — matching investments to future obligations Investing in quality businesses that weather market storms The fiduciary standard and why it matters How to evaluate and interview a financial advisor 📧 Contact: [email protected] Timeline: 0:00 – Introduction & About Crestmont Private Wealth 0:46 – Overview of today's topic: Investment Philosophy 1:27 – Tenet #1: Long-Term Investors (what "long-term" really means) 2:55 – Asset Liability Matching explained 3:43 – Not market timers — process over prediction 5:37 – Investing in quality businesses (Ukraine-Russia analogy) 7:15 – Compounding returns & why patience matters 8:36 – Building cohesive financial plans & portfolio construction 9:17 – The Fiduciary Standard explained 10:15 – Taxation & implementation considerations 10:35 – How to reach Crestmont & evaluating advisors 12:13 – Closing thoughts: time in the market, not timing the market Original Air Date: June 20, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

Alec Walker covers three main topics:   Portfolio Rebalance — Crestmont recently completed a rebalance of their 7 core globally diversified portfolios (conservative to ultra-aggressive, primarily low-cost ETFs). He explains their policy → strategy → tactics framework:   Policy: Threshold-based rebalancing (not calendar-based) when allocations drift outside target ranges Strategy: Tax-aware approach — IRA accounts taken back to target with no tax impact; taxable accounts handled more conservatively Tactics: Equity exposure trimmed 2–6% depending on drift; one passive fund replaced with an active ETF in the same asset class Context: Vanguard research shows rebalanced portfolios have ~20% lower volatility historically Market Concentration & Diversification — Over 40% of the S&P 500 is concentrated in the top 10 companies. Post-rebalance, client portfolios are ~25% in those top 10. Diversification has paid off in 2025: S&P 493 up 11% YTD vs. Mag Seven up 3%; small cap outperforming by 7–8%; international developed markets up 3%+ above S&P 500.   SpaceX IPO — Clients have been asking about it. Crestmont will not be facilitating participation due to fiduciary/compliance considerations. Key points: S&P 500 has announced it won't fast-track SpaceX into the index; due to low float, SpaceX would likely represent only ~0.2% of the index even if added; high valuation relative to current financials, but short-term pop is expected.   Timeline Time     Topic 0:00     Intro — Who Alec is, overview of Crestmont's holistic wealth management services 0:49     Investment committee overview; quarterly rebalance of 7 core portfolios 1:22     What a rebalance means; threshold-based approach explained 1:50     Policy → Strategy → Tactics framework introduced 3:06     Rebalance strategy details: threshold-based, not calendar-based 3:48     Tax-aware strategy: separating taxable vs. IRA accounts 4:36     Vanguard research: rebalanced portfolios have ~20% lower volatility 4:58     Tactics: equity trimmed 2–6%; fund swap (passive → active ETF) 5:52     Tax implications perspective for all investors; low turnover philosophy 7:01     Example: $1M account, $25K gains → $5,950 tax = 0.6% of portfolio 7:54     S&P 500 up 8% YTD, 24% over 12 months — contextualizing the 0.6% tax cost 8:41     Rebalance wrap-up; transition to market concentration topic 9:03     S&P 500 concentration: 40%+ in top 10; portfolios now at ~25% in top 10 9:21     Diversification performance: S&P 493, small cap, international markets all outperforming Mag Seven 10:09  SpaceX IPO — client questions; Crestmont not facilitating participation 10:35  FOMO vs. risks; S&P 500 rule changes; "holding the bag" concern 11:11  S&P won't allow quick entry; SpaceX projected at 2–5% weight (market cap), but only ~0.2% adjusted for float 12:45  IPO valuation high vs. fundamentals; short-term pop expected; subject to quarterly earnings going forward 13:30  Closing remarks + Spurs shoutout Original Air Date: June 13, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

Sam McGee sits down with Crestmont team member Rebecca Petre to celebrate her one-year anniversary with the firm. They discuss what it's really like to transition from Texas A&M into the financial planning workforce, lessons learned on client communication, the new Charles Schwab–funded RIA program at A&M, the Survivor's Guide project, and navigating wedding season on a budget. A great listen for new grads entering the financial world. 0:00 — Intro: Sam introduces the show and the new office landscaping in Boerne, TX. 0:17 — Introducing Rebecca: One-year anniversary at Crestmont; her first day was the Boerne ribbon-cutting. 1:23 — Biggest lessons from year one: Learning to simplify complex financial concepts when talking with clients; understanding that clarity beats jargon. 3:21 — Going back to Texas A&M: Attending career day, RIA Day (a new on-campus RIA office partnership funded by Charles Schwab Foundation), and alumni events. 5:46 — Internship vs. full-time: The shift from internship to real-world work — adjusting to full days, time management, and work-life balance. 8:05 — The Survivor's Guide project: A document Crestmont is creating to help clients organize critical info (wills, contacts, accounts) for loved ones in the event of a death. 9:18 — Upcoming intern Agnes: A Texas A&M senior joining for a July internship; Rebecca will help mentor her. 9:58 — Personal life: Outdoors, pickleball, family/friends — and a summer packed with three weddings. 10:42 — Wedding season finances: Budgeting for being in multiple weddings; advice to set funds aside, especially for destination weddings. 11:32 — Grandmother shout-out & close: Rebecca shouts out her "Nanny" who listens to every episode. Sam closes by thanking Rebecca and celebrating her growth. 📍 Crestmont Private Wealth | Houston & Boerne, TX Original Air Date: June 6, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

Host Alec Walker, EVP of Financial Planning at Crestmont Private Wealth, opens with some personal notes about summer plans before covering two main topics: a brief market update and a deep dive into performance reporting. Market Update: Long-term US Treasury rates have risen to 5%, pushing inflation expectations higher. Notably, the yield curve has returned to a normal upward slope after being inverted through end of 2025 — historically a positive sign for economic growth. US bonds are down ~0.5% YTD but up 5.6% over the last 12 months, still outperforming money market rates of 3.5–4%. Performance Reporting: Alec walks through where clients should go for account performance — the client portal (Orion-powered quarterly reports) vs. Charles Schwab (best for statements and tax docs). He explains three key advantages of the client portal's time-weighted performance reports over custodial statements: (1) total return including dividends and interest, (2) historical performance including removed holdings, and (3) time-weighted vs. dollar-weighted returns. He closes with a recommendation not to check accounts too frequently, citing data that the S&P 500 is only positive ~53% of trading days but ~75% of years. 0:00 – Intro & summer check-in 0:19 – Market update: rising interest rates & 30-year Treasury at 5% 2:03 – Yield curve back to normal (no longer inverted) 3:22 – Bond performance update 4:06 – Performance reporting overview: Schwab vs. client portal 5:33 – When to use Schwab vs. the client portal 6:15 – Why the client portal's Orion reports are more comprehensive 7:17 – Limitation #1: Custodial statements miss total return (dividends/interest) 8:28 – Limitation #2: Removed holdings aren't tracked in custodial statements 9:37 – Limitation #3: Time-weighted vs. dollar-weighted returns explained 10:36 – How often should you check your accounts? 13:10 – Invitation to reach out & services overview 14:47 – OutroSee omnystudio.com/listener for privacy information.

The Ascent — hosted by Sam McGee of Crestmont Private Wealth — features attorney Wes Holland of H6 Law discussing business succession planning. The conversation highlights why a standard will is not enough for business owners and what steps they can take to protect their companies. Key takeaways: Wills only work when you're dead — powers of attorney and medical directives are often more critical, as they govern what happens if you're incapacitated but still alive. Only ~10% of closely held business owners have a true succession plan — the other 90% are unprepared. Short-term fix: Document day-to-day operations so a trusted employee can "keep the plane in the air." Long-term fix: Identify and develop key employees; consider giving them authority (and even equity) so the business can run without you. Buy/sell agreements matter — especially with partners, so no one is forced into a business relationship they didn't choose. Sam shares his own experience making Alec and Hannah Phantom Equity Partners at Crestmont for business continuity — and how it brought him tremendous relief. Book recommendation: Traction by Gino Wickman. Contact Wes Holland: h6law.com | [email protected]   Timestamp      Topic 0:00     Intro — Sam McGee welcomes Wes Holland 0:21     Why wills alone aren't enough for business owners 0:47     Business succession planning basics 1:25     Incapacity vs. death — who runs the business? 2:05     Steps owners can take to insulate themselves 3:11     The "flying the plane" analogy 4:15     Signs you have a problem: total control = total risk 4:36     Developing Gen 2 leaders — reluctance vs. results 5:36     Sam's experience: Phantom Equity for Alec & Hannah 7:39     The danger of reluctance to delegate 8:29     Back to the legal side: wills vs. succession plans 8:50     Only 10% have a real business succession plan 9:23     Buy/sell agreements and partner planning 9:53     Call to action + book rec: Traction by Gino Wickman 11:02  Closing — Crestmont & H6 Law contact info Original Air Date: May 23, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

In this episode of The Ascent with Crestmont Private Wealth, Alec Walker (EVP of Financial Planning) recaps the firm's annual advisory board meeting and introduces Project Millionaire — a new initiative to help younger clients build a clear path to their first $1 million in assets. Alec walks through real scenarios using starting balances of $10K and $100K, shows the dramatic impact of consistent monthly contributions, and explains why Trail Builder investment accounts outperform traditional savings. He also covers the latest market conditions, including a strong early earnings season and easing geopolitical tensions. Topics covered: Annual advisory board meeting recap Hiring updates (CFP in Houston, operations role in Boerne) Survivor's Guide documentation initiative Introducing Project Millionaire Trail Builder accounts: investing vs. savings Real scenarios: reaching $1M from various starting balances Market update: earnings season & geopolitical outlook 0:00 – Intro & advisory board meeting recap 0:57 – Hiring: CFP opening in Houston 1:11 – Hiring: Operations role in Boerne 1:41 – Survivor's Guide initiative 2:52 – Introducing Project Millionaire 3:47 – Trail Builder accounts: investing vs. savings 5:55 – Project Millionaire goals: specific, measurable, achievable 7:12 – Real numbers: already at $500K or $750K? 8:04 – Scenario: starting from $10K 8:58 – Scenario: $100K starting balance + $500/month 10:10 – Scenario: 13% rate of return 11:41 – Market update: earnings season & geopolitical outlook 12:40 – Closing & contact info 📩 Visit us at crestmontpw.com Original Air Date: May 16, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of The Ascent with Crestmont Private Wealth, Sam McGee sits down with Wes Holland of H6 Law to discuss the growing threat of cyber scams and wire fraud — and what you can do to protect yourself. From gas station card skimmers to sophisticated real estate wire fraud, Wes shares real-world examples, practical tips, and the #1 rule: trust your gut. They also cover how AI is making scams harder to detect, how to protect elderly parents, and why speed matters when you've been victimized. Plus, learn about Wes's passion for serving family businesses in the Boerne, Texas area.   0:00 – Introduction & rain in Boerne, Texas 0:21 – Landscaping update & office beautification 0:40 – Guest intro: Wes Holland of H6 Law 1:00 – Today's topic: cyber scams and protecting your wealth 1:47 – Phantom equity agreement for Crestmont (Alec & Hannah) 2:05 – How Sam and Wes met; the classic truck story 3:13 – The passive threat: card skimmers at gas stations 3:51 – Use credit over debit to protect your checking account 4:07 – Wire fraud & real estate scams explained 5:13 – How scammers monitor your email before striking 5:50 – Red flags: look at the sender's email address 6:14 – Tip #1: Slow down — urgency is a scammer's weapon 7:01 – Tip #2: Trust your gut and call back to verify 7:25 – Spoofed phone numbers & AI voice cloning 8:00 – Don't answer spam calls — they may be harvesting your voice 8:29 – AI-written scam emails look professional now 9:13 – Recovery window is shrinking — act within 12 hours 10:04 – Triage mindset: stop the bleed first 10:22 – Protecting elderly parents from fraud 10:39 – Multifactor authentication & "never give money over the phone" 11:00 – Jury duty & IRS phone scams explained 11:23 – Charity & social media fraud awareness 12:24 – Wes's passion: serving family businesses 13:36 – Practical, no-nonsense legal advice philosophy 14:48 – The story behind the H6 Law name (Holland Party of Six) 16:06 – Closing thoughts & where to find H6 Law   🔗 Find Wes at H6Law.com Original Air Date: May 9, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of The Ascent with Crestmont Private Wealth, EVP of Financial Planning Alec Walker shares timely insights on navigating market volatility, the importance of staying invested, Q1 earnings results, and key estate planning considerations for 2025. Topics covered: Why selling during a market decline can be a costly mistake How missing just the top 10 trading days impacts long-term returns Early Q1 2025 earnings results and what they signal for the market The AI sector's strong performance and what to watch going forward Estate planning: what the new $15M exemption means for you How Crestmont can help you review your estate plan this summer Original Air Date: May 2, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

The Ascent – When Estate Planning Goes Wrong Hosted by Sam McGee, Crestmont Private Wealth | Guest: Scott Seidl, Attorney at Keen Miller LLP In this episode, Sam sits down with estate litigation attorney Scott Seidl to discuss what happens when estate planning goes wrong — from contested wills to capacity disputes — and why having a solid, well-communicated plan in place is critical for families and business owners alike. Key Takeaways: An ounce of prevention is worth a pound of cure — contested wills are costly, nasty, and rarely end with anyone truly "winning" Blended families and divorce are major drivers of estate disputes today Lack of communication — not just lack of planning — is a root cause of litigation Capacity challenges are among the most expensive and difficult cases to litigate; don't wait too long to get your plan in order Wealth level is NOT the biggest predictor of whether a dispute will arise — family dynamics and personality are 0:00 – Introduction: Sam McGee welcomes estate litigation attorney Scott Sidle of Keen Miller LLP 0:37 – Disclaimer: Scott clarifies this is general information only, not legal advice 0:58 – Why estate planning matters: Beyond "you need a will" — discussing real consequences of being unprepared 2:22 – Scott's day-to-day: The pitfalls he sees in contested estates and trusts at Harris County Courthouse 2:45 – Scott's practice area: Litigation (the cure), not planning (the prevention) — and why comprehensive planning makes his job easier 3:41 – The cost of disputes: Court costs, thousands in fees, and no one really wins 5:00 – How common are contested estates? The role of personality, family dynamics, and wealth 5:51 – Blended families: A major driver of estate disputes — step-children, step-parents, and second marriages 6:58 – The real culprit: Lack of communication, not just lack of planning — secrecy creates surprise and litigation 7:31 – Simon Sinek story: Sam shares a study on communication gaps and why even "clear" messages aren't always received 9:10 – Step one vs. step two: Getting the plan in place first, then communicating it to heirs 10:36 – "The sins of the father" conversation: What Scott tells unhappy heirs about their parents' rights to their own assets 11:24 – Capacity challenges: How mental capacity questions drive 75–80% of contested will cases 12:27 – Why capacity fights are so costly: Rarely resolved by summary judgment, almost always go to trial 12:52 – Key takeaway: "That is not wealth creation or preservation. That is wealth destruction." 13:14 – Call to action: Reach Crestmont Private Wealth at crestmontpw.com; reach Scott Sidle at keenmiller.com or LinkedIn 14:20 – Outro: Sam wraps up and invites listeners to connect Original Air Date: April 25, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

Sam McGee, CEO of Crestmont Private Wealth, interviews Dr. Justin Lockhart, a licensed therapist and PhD counselor, on the topic of executive and business owner burnout. Dr. Lockhart explains that burnout — defined by disengagement, cynicism, and lack of personal efficacy — affects ~95% of his clients in some capacity. The conversation covers how COVID amplified burnout, warning signs for managers to watch for, and how personal resources like resilience and self-efficacy can be built. Sam shares how Crestmont uses a 1–5 wellbeing check-in system in team meetings to normalize vulnerability. Dr. Lockhart also shares his vision for bringing structured wellness programs into organizations. The episode closes with a reflection on community, employee culture, and the quote: "In the joy of others lies our own." 0:00 — Introduction: Sam introduces the show, the April 9th recording date, and the Bernie office beautification project 0:42 — Guest intro: Dr. Justin Lockhart, PhD, LPC — therapist specializing in anxiety, trauma, and men's issues 1:35 — Topic intro: Executive burnout, Type A personalities, and why wellness matters for high earners 2:01 — How prevalent is burnout? Dr. Lockhart says ~95% of his clients experience it in some form 3:00 — COVID's impact: External stressors compound internal pressure, increasing burnout risk 4:00 — Defining burnout: Three components — disengagement, cynicism, and lack of personal efficacy 5:04 — Organizational impact: Burnout "knee-caps" a company's potential; high performers are most at risk 5:48 — What managers can do: Periodic check-ins, balancing job demands with resources 6:19 — Building personal resources: Hope, self-efficacy, resilience, and optimism 6:45 — Sam shares Crestmont's 1–5 wellbeing and capacity check-in system used in weekly staff meetings 7:37 — Is this common? Dr. Lockhart praises the approach but notes it's rare and often done as lip service 9:16 — Org size vs. wellness: Connection at the team/manager level matters more than company size 9:51 — Engagement and self-care: The "oxygen mask" analogy — leaders must care for themselves first 10:44 — Dr. Lockhart's vision: Corporate wellness packages, contracted sessions, culture audits 11:36 — Closing thoughts: Burnout awareness for owners and executives; people drive organizations 12:31 — Contact info: [email protected] 13:02 — Closing quote: "In the joy of others lies our own" — on community, culture, and providing a path for others Original Air Date: April 18, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

Alec Walker, EVP of Financial Planning at Crestmont Private Wealth, delivers a Q1 market recap, looks ahead to Q2, and draws a fun parallel between baseball and financial planning lifecycle stages. Timeline: 0:00 – Introduction & recent episode topics 0:54 – Middle East conflict & oil prices overview 2:21 – Fed rate cut expectations & inflation impact 3:11 – Q1 equity markets: diversification benefited investors 4:13 – Small cap, international & emerging market outperformance 4:56 – Bond market & 10-year treasury yield recap 6:12 – Big picture: why markets are only down ~4% 7:18 – Q2 outlook: what to watch 7:59 – S&P 500 earnings correlation & why earnings matter 9:14 – Baseball & financial planning lifecycle analogy 10:12 – Early innings: getting started, avoiding big mistakes 11:12 – Middle innings: career changes, windfalls, college planning 12:14 – Late innings: pre-retirement, sequence of returns risk 12:58 – Ninth inning & extra innings: estate planning & longevity 13:46 – Wrap-up Original Air Date: April 11, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

Sam McGee sits down with Kellen Mond — all-time passing leader at Texas A&M and former NFL quarterback — to discuss his surprising career pivot into fine art photography. Kellen shares how picking up a camera as an NFL rookie led to a passion-driven business, what it means to "capture beauty in imperfection and chaos," and why art is a serious asset class for high-net-worth individuals.   Timeline   0:00 — Introduction & Welcome 1:00 — Kellen's background at Texas A&M (all-time passing leader, 2017–2020) 2:00 — From NFL to art: how picking up a camera changed everything 4:30 — Building a business in the fine art space; challenges in a traditional industry 6:10 — "Capturing beauty in imperfection and chaos" — the meaning behind the quote 8:40 — Surprising himself with his new path; work with Texas A&M's fine arts program 11:00 — Follow your passion and the money follows; entrepreneurial spirit & giving back to A&M 13:10 — Building A&M's fine arts degree into an elite program 15:00 — Art as an asset class: wealth management & collecting for ultra-high-net-worth clients 16:20 — Fine art events in Miami & Austin; the private/invite-only world of art collecting 17:10 — Legacy, authenticity, and how to follow Kellen (Instagram & LinkedIn: @KellenMond) 18:00 — From the UCLA Rose Bowl locker room to the Orange Bowl: "It's never as bad or as good as it seems" 18:30 — Closing thoughts: pursue your passion and purpose Original Air Date: April 4, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of The Ascent, Alec Walker (EVP of Financial Planning at Crestmont Private Wealth) covers two main areas as tax season approaches: last-minute tax filing tips and post-tax planning strategies. He discusses IRA contribution deadlines, introduces the new Trump Account (a tax-advantaged savings account for children under 18), walks through how Crestmont uses completed tax returns to build forward-looking tax plans, and touches on recent market volatility tied to geopolitical events.   0:00     Intro – Alec Walker introduces himself; March Madness banter 0:47     Pre-Tax Filing Reminders – Overview of today's two-part structure 1:31     IRA Contribution Deadlines – Roth, Traditional, and SEP IRA deadlines; income limitations; 401(k) considerations 2:36     Trump Account Overview – What it is, how it works, contributions, and distribution rules 3:39     Trump Account vs. Other Options – Comparison with Roth IRAs for minors, 529 plans, and custodial accounts (UTMA/UGMA) 5:19     $1,000 Seed Contribution – Eligibility for children born 2025–2028; IRS Form 4547; thetrumpaccounts.gov 6:24     Post-Tax Planning – Importing tax returns, using technology to generate planning reports 7:12     Tax Planning Philosophy – Clarity and education over "loopholes"; adjusting strategies year to year 7:48     Key Metrics & Safe Harbor – AGI, deductions, withholding review, estimated tax payments 8:56     Capital Gains & Loss Carryforwards – Opportunities for diversifying concentrated positions 9:21     Medicare Premium Planning – How income affects Part B & D premiums; Roth conversions 10:00  Charitable Contribution Changes – Donor-advised fund rule changes; enhanced senior deduction; new $2,000 charitable deduction for standard deduction filers 11:22  Tax Planning Year-Round – Ongoing planning from May through year-end 12:01  Market Volatility Update – Geopolitical impacts, historical recovery timelines, importance of sticking to the financial plan 13:26  Outro – Contact info and sign-offSee omnystudio.com/listener for privacy information.

Host Sam McGee, CEO of Crestmont Private Wealth, sits down with four young men — Gavin, Oliver, Pierce, and his son Samuel — to talk about a backpacking trip they took together with their dads to Colorado's Rio Grande National Forest in August 2024, organized through Way Forward Adventures. The trip was three nights, no phones, and included a sunrise hike to a 13,500-foot peak. The broader message: all the money you build in your portfolio should go toward meaningful experiences with family and loved ones — don't be "the richest guy in the cemetery." Timeline 0:00 – 0:31 — Intro, disclaimer, and Sam introduces himself and the show topic: investing outside the portfolio 0:31 – 1:18 — Sam introduces the four boys: Gavin, Oliver, Pierce, and Samuel; overview of the Way Forward Adventures trip 1:18 – 2:30 — Trip details: backpacking, Rio Grande National Forest, no phones, 3 nights; the "why" behind doing it 2:30 – 3:32 — Pierce's favorite memory: playing "mountain ball," finding a moose, and having to run away 3:32 – 4:37 — Oliver's favorite memory: making new friendships; origin of his nickname "Breadstick" 4:37 – 5:34 — Gavin's favorite memory: private one-on-one time with his dad 5:34 – 7:08 — Oliver recaps the full trip itinerary: arrival, hiking, mountain ball, moose encounter, sunrise at the peak, devotional time, and the descent 7:08 – 8:54 — Carrying food on their backs; Samuel explains the dinner-name-calling challenge; Oliver explains how "mountain ball" was invented from a Wiffle bat and improvised rock ball 8:54 – 9:58 — Gavin recalls the storm night: wind, rain, hail; the group saw zero other people; reflections on going phoneless 9:58 – 11:29 — Boys share why they'd encourage others to do something like this: faith, nature, deeper bonds with dads, once-in-a-lifetime memories 11:29 – 12:46 — Outro: Sam wraps up, teases Part 2 with the dads, and ties it back to the show's core message about time, legacy, and familySee omnystudio.com/listener for privacy information.

This episode features Sam McGee, CEO of Crestmont Private Wealth, interviewing Kim Blohm from the Boerne Chamber of Commerce. The conversation explores: Chamber's Role & Mission: A 501(c)(6) nonprofit that advocates, educates, and connects small businesses and nonprofits in Kendall County Economic Impact of Nonprofits: Over 500 registered nonprofits in Kendall County, with 140 contributing $50.3 million back into the local economy Thrift Store Network: Nine local thrift stores supporting organizations like Hill Country Animal League, Hill Country Family Services, and Women's Shelter - all proceeds fund community services Chamber Membership Benefits: Three types of members (networking enthusiasts, marketing-focused, and community supporters), with over 300 events annually and 300,000+ website visitors Community Support Philosophy: The Chamber helps businesses through all phases, from connections to crisis management, with a "whatever you need" approach COVID Success Story: Local breweries' creative solution of selling $8 cups with 25¢ beer to navigate pandemic restrictions Timeline 0:00-0:18 Introduction: Sam McGee introduces the show and Crestmont Private Wealth Guest Introduction: Kim Blohm welcomed, discussion of her short commute and community impact 1:12-1:50 What is a Chamber?: Definition of Chamber of Commerce as 501(c)(6) nonprofit, role to advocate, educate, and connect Chamber Services: Supporting businesses through all aspects, customized approach, not one-size-fits-all 3:13-4:38 Nonprofit Economic Impact: 500+ nonprofits in Kendall County, $50.3 million economic contribution Thrift Store Discussion: Nine local thrift stores, how donations support community services (Hill Country Animal League generates $400K/year) 7:33-9:50 Thrifting Culture: Personal stories about thrift shopping, cooperation between nonprofit thrift stores Community Giving Culture: Discussion of how giving is embedded in Boerne's business community fabric 11:35-13:52 Three Types of Chamber Members: Serial networkers, marketing-focused members, and community supporters. Ribbon Cutting Comparison: Discussion of well-attended Crestmont ribbon cutting vs. other chambers 15:19-17:10 Proactive Engagement: Importance of joining chamber before crisis hits, community support philosophy COVID Success Story: Salvador Dobbs brewery's creative $8 cup + 25¢ beer solution 18:03-18:30 Closing & Contact Info: How to reach Boerne Chamber at boerne.org, final thanks   Original Air Date: March 14, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of The Ascent, Sam McGee discusses the recent US-Iran conflict and its impact on financial markets. Recorded on March 4th, Sam analyzes the February 28th strikes, the oil price surge, and the closure of the Strait of Hormuz. He provides perspective on market resilience through historical conflicts, explains diversification strategies across US, developed international, and emerging markets, and offers guidance on maintaining a long-term investment approach during geopolitical uncertainty. Sam emphasizes that markets historically recover from geopolitical shocks and encourages viewers to stay focused on their financial plans rather than attempting to time the market.   Timeline: 0:00 - Introduction & Office Locations 0:21 - US-Iran Conflict Overview & Recording Context 0:45 - February 28th Strikes & Oil Market Response 1:07 - Market Volatility & Monitoring Key Variables 1:47 - Historical Market Resilience Through Conflicts 3:00 - Portfolio Diversification Strategy (US, Developed, Emerging Markets) 5:23 - Emerging Markets Impact & BRIC Countries 6:16 - Historical Perspective: Cold War, Libya, Venezuela 8:06 - Long-term Investment Philosophy & Market Corrections 10:04 - AI Concerns & Market Timing Discussion 11:45 - Current Market Response Analysis 12:15 - Diplomatic Resolution Updates 13:26 - Closing Remarks & Military Appreciation   Original Air Date: March 7, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

Join Sam McGee, CEO of Crestmont Private Wealth, and real estate agent Suzanne Page from Phyllis Browning as they discuss the current state of Kendall County real estate market. Learn about market statistics, the impact of COVID on home buying, and valuable advice for first-time homebuyers. Discover why the average home age has reached 40 years old and get practical tips for navigating today's housing market.   Key Topics Covered: Current Kendall County market statistics (avg. price $773K, 128 days on market) How COVID-19 transformed real estate from 2020 to today Why today's market is healthier than the pandemic buying frenzy Interest rates in perspective: 6% vs. historical highs First-time homebuyer advice and available programs Wealth transfer strategies for affordable housing   Connect: Crestmont Private Wealth: crestmontpw.com Suzanne Page - Phyllis Browning Real Estate   YouTube Timeline: 0:00 - Introduction & Welcome 0:32 - Meet Suzanne Page from Phyllis Browning 1:18 - Living in Boerne since 2009 2:04 - The importance of relationships in real estate 5:02 - Kendall County market statistics 6:20 - Average home price: $773,000 8:00 - Real estate during COVID-19 9:25 - Masks, protocols, and sight-unseen purchases 9:46 - Homes selling $100K over asking 10:28 - Today's healthier market conditions 11:12 - Moving past 2% interest rate expectations 12:53 - First-time homebuyer challenges 13:30 - Average first-time buyer age: 40 years old 14:51 - Financial discipline advice for young buyers 15:03 - First-time homebuyer programs 15:33 - Wealth transfer strategies 16:10 - Closing & Contact Information   Original Air Date: February 28, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

Join Sam McGee, CEO of Crestmont Private Wealth, for a discussion on investing in yourself beyond just financial planning. This episode explores career reinvention, health, and overall well-being as essential components of wealth. Sam shares his personal journey from financing refrigerators to becoming a financial advisor, and explains why taking care of your physical, mental, and spiritual health is just as important as managing your portfolio. Whether you're considering a career change, struggling to maintain healthy habits, or looking to get financially organized, this episode offers practical advice and encouragement for living a fulfilling life. Timeline 0:00 - Introduction & Topic Overview Welcome to The Ascent podcast Introducing the concept of investing in yourself 0:51 - Career Reinvention Story Sam's personal journey from credit finance to financial advisory The decision to pursue an MBA at University of Houston 2:29 - Finding Career Fulfillment Why career satisfaction matters The importance of doing work you love 3:10 - Book Recommendation "What Color Is Your Parachute?" - finding your passion and path 3:32 - Mid-Career Changes Going back to school for new skills Why mid-career changers are often happier 4:38 - Health & Lifestyle The importance of physical health for enjoying wealth You can't help others if you don't take care of yourself first 5:51 - Maintaining Healthy Habits Don't let busy seasons derail your health goals Regular check-ups and preventive care matter 6:41 - It's Never Too Late Every day is a new opportunity to invest in yourself 7:27 - Mental & Spiritual Health The connection between mental/spiritual wellness and financial success How healthy mindsets help during market volatility 8:44 - Financial Organization Tips Create a good filing system for financial documents Scan and digitally organize important papers 10:02 - Why This Matters in Wealth Management Holistic approach to client relationships Money alone doesn't create happiness 11:24 - Who Crestmont Serves High earners and high net worth individuals Contact information and closing thoughtsSee omnystudio.com/listener for privacy information.

Join Sam McGee, CEO of Crestmont Private Wealth, for a comprehensive overview of Exchange Traded Funds (ETFs) and how they differ from traditional mutual funds. In this episode, you'll learn: ✅ What ETFs are and how they work ✅ The evolution from mutual funds to ETFs ✅ Key differences: intraday trading vs. end-of-day pricing ✅ Tax efficiency advantages of ETFs ✅ Lower costs and broader access ✅ Important factors to consider when evaluating ETFs Whether you're a beginner investor or looking to understand modern investment vehicles, this educational guide breaks down the complex world of ETFs into easy-to-understand concepts. Disclaimer: This content is for informational purposes only and does not constitute investment advice. Consult with a qualified financial advisor and CPA for personalized guidance. Timeline with Chapters 0:00 - Introduction & Welcome Welcome to The Ascent podcast with Sam McGee from Crestmont Private Wealth 0:31 - What Are ETFs? Overview of Exchange Traded Funds and why this topic matters 0:57 - History of Investment Evolution How the financial services industry evolved from the 1920s to today 2:01 - The Rise of Mutual Funds How mutual funds provided access to diversification for average investors 3:43 - Tax Inefficiency of Mutual Funds Understanding the pass-through taxation problem with mutual funds 5:02 - Birth of the ETF Industry How the 1987 crash and tech bubble led to ETF development 5:41 - How ETFs Work Exchange trading and intraday pricing explained 6:38 - ETFs vs Index Funds How ETFs mimic indexes like the S&P 500 7:42 - Cost Advantages of ETFs Lower costs and broader access compared to mutual funds 8:33 - Tax Efficiency of ETFs How ETFs provide better tax treatment than mutual funds 9:04 - Free Trading & Lower Costs How custodians now offer commission-free ETF trading 9:56 - Book Recommendation CFA Institute's comprehensive guide to ETFs 11:23 - What to Consider When Choosing ETFs Evaluating liquidity, market cap, track record, and costs 13:14 - Closing & Contact Information How Crestmont evaluates ETFs for clients and final thoughts Original Air Date: February 14, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

This episode of "The Ascent" features Sam McGee and Alec Walker from Crestmont Private Wealth discussing the development of a "Survivor's Guide" - a comprehensive resource to help surviving spouses navigate financial matters after the death of a partner. They explain how this guide will document critical information like account locations, passwords, key contacts, and financial processes to ease the burden during a difficult time. The conversation emphasizes the importance of preparation and how their firm helps clients through these transitions. Timeline [0:00 - 0:37] Introduction & Welcome Sam McGee returns as host after Alec Walker filled in Overview of recent content (year-end recaps, law changes, market updates) [0:37 - 1:36] About Crestmont Private Wealth Two offices: Houston and Boerne, Texas Comprehensive wealth management for high net worth individuals Website: crestmontpw.com [1:36 - 3:52] Why Create a Survivor's Guide? Inspired by client meetings and real experiences with bereaved spouses Addresses both emotional and financial challenges after death Covers basics like bill paying and account access [3:52 - 4:48] The Challenge of Financial Transitions Comparison to being handed keys to someone else's company Family finances as an operating business with assets, liabilities, and cash flows [4:48 - 6:39] What's Included in the Guide Living document separate from estate plans Key contacts (advisors, attorneys, CPAs, executors) Account locations and access information Documentation of all financial moving pieces [6:39 - 8:11] Reducing Stress During Grief   Allows families to focus on grieving and funeral arrangements Eases burden of managing bills and accounts during difficult times Documents the "mental load" for both spouses [8:11 - 9:27] E-Money Portal & Digital Vault Centralized location for account information Secure vault for private and shared documents Storage location for the Survivor's Guide [9:27 - 11:01] Digital Life Management Importance of password access and device management Social media and digital accounts Password keeper setup with emergency access [11:01 - 12:50] What Happens When a Client Dies Notification process with custodian (Charles Schwab) Coordination with family through required steps Handling death certificates, trust documents, and account transitions [12:50 - 13:22] Closing Thoughts Emphasis on preparation: "not if, but when" Encouragement to be well-prepared for family's sake Original Air Date: February 7, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

Join Alec Walker, EVP of Financial Planning at Crestmont Private Wealth, as he breaks down everything you need to know about Restricted Stock Units (RSUs). Learn the key differences between RSUs and stock options, understand the tax implications of vesting, and discover smart strategies for managing over-concentration risk. Whether you're receiving your first RSU grant or managing multiple vesting schedules, this episode provides actionable insights on tax planning, diversification strategies, and how to maximize the value of your equity compensation. Key Topics Covered: What are RSUs and how do they work? RSUs vs. Stock Options: Understanding the difference Tax implications: Ordinary income and capital gains Strategic timing for selling vested shares Diversification strategies to minimize risk Tax planning techniques to avoid underpayment penalties Timeline: 0:00 Introduction & Episode Overview 1:23 What Are Restricted Stock Units (RSUs)? 2:59 RSUs vs. Stock Options: Key Differences 3:46 Tax Implications: When Do Taxes Occur? 5:43 Capital Gains Tax on RSUs 6:54 Tax Planning Strategies & Withholding Analysis 9:15 Diversification & Risk Management 9:57 Why Sell RSUs Immediately Upon Vesting 12:04 Satellite Equity Strategies for Diversification 13:30 Closing & Contact Information Contact Crestmont Private Wealth: 📧 [email protected] 🌐 [email protected] 📍 Houston & Burnet, Texas offices Original Air Date: January 31, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

Join Alec Walker from Crestmont Private Wealth as he discusses investing at market all-time highs and key insights from their Q1 2025 investment committee meeting. Learn why high valuations don't predict future returns, what historical data reveals about investing at market peaks, and how to navigate volatility with confidence. Discover the "red dot chart" analysis, portfolio diversification strategies beyond the Magnificent Seven, and why consumer sentiment doesn't always align with market performance. 0:00 Introduction & Podcast Overview.  Q1 Investment Committee Meeting Recap 1:20 Markets at All-Time Highs: Bull Run Since 2022 - Portfolio Rebalancing Considerations 2:13 Should You Invest at All-Time Highs?  Historical Returns After All-Time Highs vs. 20% Declines 3:49 Understanding Market Valuations - PE Ratios & Future Returns Correlation 5:20 The Coffee Analogy: Why Valuations Don't Predict Returns - Newsletter Sign-Up Information 6:30 The Red Dot Chart: Market Volatility Since 2024's 40% Swing: Why Staying Invested Matters 8:05 Expect 14% Average Annual Declines - Active Management During Volatility 8:42 The Magnificent Seven & AI Concerns - Diversification Strategy: Beyond the S&P 500 10:24 Portfolio Allocation: 23% vs. 35% in Mag Seven - Consumer Confidence in 2026 12:23 Low Confidence = 24% Average Returns - Separating Politics from Portfolio 13:10 Closing & Contact Information 📧 Subscribe to our newsletter: [email protected] 🌐 Visit: crestmontpw.com Original Air Date: January 24, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

Join Alec Walker and Rebecca PItre from Crestmont Private Wealth as they break down the most important tax changes for 2026. In this episode, they cover critical updates including new IRA contribution limits, mandatory Roth catch-up contributions for high earners, charitable donation rule changes, expanded SALT deductions, and lesser-known tax benefits like the enhanced senior deduction and auto loan interest deduction. Whether you're planning for retirement or optimizing your tax strategy, this episode provides essential insights to help you navigate the new tax landscape. Timeline: 0:00 - Introduction & Welcome0:38 - Episode Overview: Tax Changes for 20261:57 - IRA Contribution Limits for 20262:42 - Roth IRA Income Limits & Phase-Outs4:21 - 401(k) Contribution Limits & Special Catch-Up Rules5:05 - High Earners & Mandatory Roth Catch-Up Contributions7:32 - New Charitable Donation Rules (0.5% AGI Threshold)9:21 - Standard Deduction Filers & Charitable Giving10:54 - Expanded SALT Deduction ($40,000 Cap)12:09 - Other Tax Changes: 529 Plans, Senior Deduction & Auto Loan Interest13:54 - Closing Remarks & Disclaimer Original Air Date: January 17, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

Join Sam McGee from Crestmont Private Wealth as he interviews Cole Gentry, a junior at Texas A&M and a budding entrepreneur. Cole shares his journey from high school in Bernie, Texas, to college life at Texas A&M, his involvement in the Brotherhood of Christian Aggies, and his experiences running family and personal businesses like Oak Hills Pest Control and a summer peach stand. The conversation covers lessons in leadership, the value of staying busy, and Cole's future ambitions in business and life. This episode is packed with inspiration for students, young professionals, and anyone interested in entrepreneurship and personal growth. 00:00 - Introduction: Meet Cole Gentry and show overview 00:24 - Cole’s background: High school experiences and leadership 01:29 - College applications and choosing Texas A&M 02:51 - The importance of community and faith at A&M 03:48 - Involvement in Brotherhood of Christian Aggies (BCA) 04:38 - Entrepreneurship: Oak Hills Pest Control and selling peaches 07:00 - Lessons from running small businesses 08:12 - Choosing a business major and getting into Mays Business School 09:30 - Future plans: Career ambitions and family business 11:00 - The value of staying busy and learning responsibility 12:00 - Mentorship and the role of Dr. Nathan Harness 13:00 - Reflections on growth, community, and future goals 13:50 - Closing thoughts and advice for young listeners 14:00 - Outro and thanks Original Air Date: January 10, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

In this episode of "The Ascent," Sam McGee from Crestmont Private Wealth dives deep into the concept of compounding—both in finance and in life. Sam explains the formula for compound interest, why consistency and time matter more than just the rate of return, and how these principles apply to everything from investing to personal habits like working out or maintaining your car. He shares practical advice on making regular contributions, the importance of discipline, and why starting early can make a huge difference. Whether you're new to investing or looking to reinforce good habits, this episode offers valuable insights for building a brighter financial future. 00:00 – Introduction: Meet Sam McGee and the focus on compounding 00:30 – Why compounding matters for all ages 00:52 – The formula for compound interest: What it is and why it’s simple 01:24 – Components of compounding: Time, rate, frequency, and principle 01:54 – Compounding in life: Gym analogy and the power of consistency 02:38 – Negative compounding: Bad habits and their effects 03:22 – Consistency in daily habits: Car maintenance and dental care 04:28 – Back to compound interest: Breaking down the formula 05:01 – The importance of time and consistency over rate of return 05:55 – Real-life examples: Clients who built wealth through discipline 06:35 – The value of regular contributions vs. lump sums 07:29 – Making financial choices: Spend, save, give, and invest 09:13 – The power of compounding over long time horizons 10:04 – The risks of market timing and the value of staying invested 12:29 – Final thoughts: Applying compounding to fitness and life 12:47 – Thank yous and closing remarks 12:50 – Wishing everyone a prosperous new year Original Air Date: January 3, 2026 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

Join Sam McGee of Crestmont Private Wealth as he interviews Brandy Kinds from the Texas A&M Foundation. Discover how endowed scholarships work, the impact they have on students, and how anyone—not just the ultra-wealthy—can create a lasting legacy at Texas A&M or other universities. Brandy shares her personal journey, the process of setting up scholarships, and the importance of philanthropic giving in wealth management. The episode also honors the memory of Brian K. Robertson through a special scholarship initiative. 0:00 – Introduction Host Sam McGee introduces the show and guest Brandy Kinds from the Texas A&M Foundation. 0:31 – Meeting Brandy & Endowed Scholarships How Sam met Brandy and learned about the possibility of creating endowed scholarships 1:09 – What is an Endowed Scholarship? Brandy explains the process and flexibility of setting up an endowed scholarship at Texas A&M. 2:31 – Customizing Scholarships Discussion on how donors can tailor scholarships to support specific students or fields. 3:47 – Scholarship Criteria & Administration Clarifying that donors don’t have to handle applicant selection; the university manages the process. 5:18 – Honoring Brian K. Robertson Sam shares the story behind the Brian K. Robertson Perseverance and Belief in Doubt Scholarship. 6:51 – Brandy’s Background Brandy talks about her upbringing, education, and career path leading to the Texas A&M Foundation. 8:20 – The Role of Philanthropy in Wealth Management Why charitable giving is a key part of wealth transfer and legacy planning. 10:30 – How to Get Involved Brandy shares her contact information and encourages listeners to consider creating scholarships. 11:13 – Closing Remarks Final thoughts, gratitude, and a nod to upcoming events.   Original Air Date: December 27, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

Join Sam McGee from Crestmont Private Wealth as he interviews Dr. Nathan Harness, Director of the Financial Planning Program at Texas A&M University. They discuss Nathan’s journey into financial planning, the growth of the Texas A&M program, the evolving landscape of financial advice, the shortage of new advisors, and the importance of values and faith in shaping future leaders. Whether you’re interested in finance, education, or personal growth, this episode offers valuable insights into the next generation of financial professionals. 00:00 – Introduction: Meet Dr. Nathan Harness and the Texas A&M Financial Planning Program 00:45 – Nathan’s Background: Early interest in finance and career journey 01:40 – Evolution of the Financial Planning Industry 02:24 – Pursuing Advanced Degrees and Entering Academia 03:18 – Building the Texas A&M Financial Planning Program 04:00 – Core Values and Mission of the Program 05:17 – Program Growth: From 25 to 400+ students 06:00 – The Need for Financial Advice and Industry Impact 07:11 – Sending Graduates into the Industry 08:00 – The Importance of Values-Based Education 09:00 – The Shortage of Financial Advisors and Aging Workforce 10:00 – Opportunities for Young Adults and Career Changers 11:00 – Texas as a Hub for Financial Services Growth 12:00 – Charles Schwab’s Gift and New Facilities 12:30 – The Role of Faith and Values in Nathan’s Work 13:30 – Investing in the Next Generation: Brotherhood of Christian Aggies 14:30 – Final Thoughts: Living Out Convictions and Impacting the World 15:00 – Closing Remarks and Blessings   Original Air Date: December 20, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

This episode of "The Ascent with Crestmont Private Wealth," hosted by Alec Walker, focuses on end-of-year financial planning—without the stress and panic that often accompanies it. Alec discusses the importance of intentional, proactive planning rather than last-minute, reactive decisions. Key topics include tax strategies (like tax loss harvesting), Roth conversions, charitable contributions, gifting, budget reviews, retirement plan contributions, insurance reviews, and portfolio rebalancing. The episode emphasizes gathering information, reflecting on the past year, and setting thoughtful goals for the upcoming year, all while encouraging listeners to enjoy the holiday season and spend quality time with loved ones.   Timeline 0:00 – Introduction: Alec Walker introduces the episode’s focus on stress-free year-end financial planning. 0:25 – Recap of last week’s episode and transition to deeper year-end topics. 0:45 – Clarification: This is not a call for urgent action, but for intentional planning. 1:08 – Annual review: Looking at account performance, income, and spending. 1:28 – The value of zooming out: Good planning is intentional, not urgent. Overview of topics: tax, retirement, giving, budgeting. 1:55 – Emphasis on gathering information and scheduling proactive conversations for the new year. 2:37 – Acknowledgement of urgent life events, but focus remains on proactive planning. 2:58 – Time-sensitive items: Actions to complete before December 31st. 3:25 – Tax loss harvesting explained: Offsetting capital gains with losses. 3:54 – Example scenario: Using losses to offset gains for tax purposes. 4:14 – When to harvest losses and common mistakes (e.g., wash sale rules). 4:28 – Roth conversions: Why timing matters and who should consider it. 4:48 – Charitable contributions and gifting: Deadlines and requirements for tax deductions. 5:30 – Donor-advised funds: Deadlines and how to get help. 5:46 – Gifting to family: College savings, annual gift limits, and tax implications. 6:24 – Broader wealth planning: Budget review and cashflow checkup. 6:52 – Setting goals for next year: Debt payoff, savings targets, and personal goals. 7:28 – Retirement plan contributions: 401(k) and IRA limits for the coming year. 7:53 – Deadlines for contributions and auto-increase features. 9:10 – Insurance review: Rising costs and the importance of policy checkups. 9:26 – Portfolio rebalancing: When and why it’s done. 10:11 – Closing thoughts: Financial planning is ongoing, not just for year-end. 10:48 – Best outcomes come from thoughtful collaboration, not rushed decisions. 11:31 – Enjoy the holidays: Focus on family, gather documents, and reflect on goals. 12:06 – Suggestions: Upload documents, link accounts, and review budgets. 12:41 – Looking ahead: New tax laws, investment themes (AI, interest rates), and topics for next year. 13:21 – Contact information and closing. Original Air Date: December 13, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of The Ascent, Alec Walker from Crestmont Private Wealth discusses essential financial conversations every couple should have—whether you’re newlyweds or have been married for decades. Alec covers topics like understanding financial personalities, addressing money fears, combining finances, budgeting strategies, setting shared goals, and managing credit and debt. With personal anecdotes and practical advice, this episode is a must-watch for couples looking to strengthen their financial partnership. 00:00 – Introduction: Why couples need to talk about money 00:23 – Article insights: Financial topics for couples 00:44 – Money as a relationship challenge 01:08 – Personal experience: Spender vs. saver dynamics 02:07 – Financial personalities and relationship health 02:47 – Money fears and concerns: Laying cards on the table 03:29 – Childhood influences on financial habits 04:16 – Different family “playbooks” and holiday spending 05:15 – Combining finances: Joint, separate, or hybrid accounts 06:05 – Budgeting strategies: Essentials vs. lifestyle expenses 07:03 – Emergency savings and retirement budgeting 09:03 – Setting and tracking shared financial goals 10:24 – Evolving goals: Gifting, charity, and legacy 10:42 – The importance of credit scores and transparency 11:20 – Debt management strategies 12:00 – Final thoughts: Planning for financial health 12:25 – Personal note: Camping and family time 13:02 – How to contact Crestmont Private Wealth 13:20 – Outro and thanks   Original Air Date: December 6, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

This episode of "The Ascent" features Sam McGee from Crestmont Private Wealth and guest Jeremy Farber from Home Instead. The discussion centers on planning for non-medical daily living care, especially for aging couples without nearby family and families with special needs children. Key topics include the importance of early planning, the types of daily living activities that require support, the flexibility of in-home care services, the growing demand for caregivers, and the financial aspects of long-term care. The conversation also touches on the lack of public awareness about in-home care and encourages listeners to start conversations and planning early. Timeline & Key Moments 0:00 – Introduction & Recap 0:41 – Three Scenarios: Aging Couples, Special Needs, and Care Planning 1:36 – Special Needs Planning: Personal Experience 2:23 – Asset Protection & Caregiver Support 3:09 – Government Programs & Staying at Home 4:01 – Aging Gracefully: When to Seek Help 5:08 – The Importance of Early Planning 6:08 – Activities of Daily Living Explained 7:06 – Supporting Independence & Caregiver Burnout 8:08 – Types of In-Home Care Services 10:01 – The Growing Long-Term Care Industry 12:25 – Raising Awareness & How to Get Help 13:04 – Closing Thoughts & Contact Information   Original Air Date: November 29, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898 https://www.homeinstead.com/See omnystudio.com/listener for privacy information.

In this episode of "The Ascent" with Crestmont Private Wealth, host Sam McGee interviews Jeremy Farber from Home Instead. They discuss the importance of planning for long-term care, the challenges families face when unexpected health events occur, and practical steps to prepare for the future. Jeremy shares his personal journey, the mission behind Home Instead, and tips for helping loved ones age in place. The conversation covers financial planning, long-term care insurance, and the value of open family discussions about aging and care needs. For more information, visit crestmontpw.com or homeinstead.com/boerne. 00:00 – Introduction: Host and guest introductions 00:37 – Jeremy’s background and how he got into home care 01:52 – Personal story: Helping a family friend after a stroke 02:45 – Jeremy’s “why” and career journey 03:48 – Transition to in-home care and serving clients 05:13 – Who needs in-home care? Not just seniors 06:00 – Planning ahead for long-term care 07:00 – Practical tips for preparing for the unexpected 08:00 – Importance of having documents and conversations in place 09:00 – Legal and medical preparations (wills, power of attorney, DNR) 10:00 – The goal: Helping people stay independent at home 11:00 – Types of care: Companionship to skilled care 12:00 – Financial planning for long-term care 13:00 – The importance of conversations with aging parents 14:00 – What happens when there’s no plan? 15:00 – Long-term care insurance: What it covers and common misconceptions 16:00 – Aging in place: Allowing clients to stay in their homes 17:00 – Final thoughts: The importance of planning and open conversations 18:00 – How to contact Crestmont Private Wealth and Home Instead 19:00 – Closing remarks and preview of Part B   Original Air Date: November 22, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898 https://www.homeinstead.com/See omnystudio.com/listener for privacy information.

Join Sam McGee, CEO of Crestmont Private Wealth, and Alec Walker, CFP, as they dive into behavioral finance biases, risk tolerance, and the challenges of investing during a market high. They discuss common investor biases like loss aversion, anchoring, and the illusion of control, and share historical data on market performance after all-time highs. The conversation also covers strategies for managing risk, the importance of understanding your own risk tolerance, and how working with an advisor can help you stay on track during volatile times.   00:00 – Introduction: Meet Sam McGee & Alec Walker 00:32 – Are we in a bubble? AI, market highs, and current events 01:14 – Behavioral finance: Loss aversion explained 02:46 – Anchoring bias and market highs 03:45 – The illusion of control in investing 04:48 – Historical data: S&P 500 after all-time highs 06:09 – Comparing today’s market to the dot-com bubble 07:19 – The unpredictability of market cycles 08:25 – Advice for investors: Timing the market vs. staying invested 09:25 – Understanding risk tolerance and risk willingness 10:30 – How to calibrate your portfolio for volatility 11:30 – Real client stories: Managing emotions and sticking to the plan 12:30 – The value of an advisor in behavioral coaching 13:30 – Analogies: Baseball, mountain biking, and investing 14:30 – Closing thoughts & how to contact Alec   Original Air Date: November 15, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

In this episode of The Ascent, host Sam McGee interviews Rick Goodrich, Chief of Safety and Security for Boerne Independent School District. Rick shares his extensive background in law enforcement, military service, and his transition into school safety. The conversation covers the importance of preparedness, community involvement, and evolving security tactics in schools, churches, and public spaces. Rick also discusses his nonprofit, Paton Shield, which focuses on training and supporting safety initiatives in private schools and religious facilities. This episode is a must-watch for anyone interested in school safety, community resilience, and the real-world challenges of protecting our children and communities. Timeline   00:00 – Introduction: Host Sam McGee introduces Rick Goodrich and his impressive background. 00:45 – Rick’s Career Overview: Law enforcement, DEA, Air Force, and transition to Boerne ISD. 03:00 – Moving to Texas: Why Rick and his family chose Boerne, and his role in the community. 06:00 – Responding to Tragedy: Involvement in the Robb Elementary incident and the importance of school-based law enforcement. 09:00 – Building Community Partnerships: How Boerne ISD collaborates with city officials and emergency services. 11:00 – School Safety Initiatives: Speaking at the Texas School Safety Conference and sharing best practices. 13:00 – Preparedness in Action: Active shooter training, multi-agency drills, and the importance of muscle memory. 16:00 – Standardized Training: The role of ALERT and mandated training for law enforcement in Texas. 18:00 – Community Support: Fundraising for safety equipment and the importance of local involvement. 20:00 – Evolving Tactics: The need for continuous improvement and training, including for churches and businesses. 22:00 – Key Ingredients for Safety: Preparedness, funding, and community engagement. 23:30 – Rick’s Nonprofit: Introduction to Paton Shield and its mission to support safety in private schools and religious facilities. 25:00 – How to Get Involved: Contact information and a call to action for community members. 27:00 – Closing Thoughts: The evolving landscape of security and a message of gratitude to Rick for his service.See omnystudio.com/listener for privacy information.

In this episode of The Ascent, Sam McGee, CEO of Crestmont Private Wealth, discusses current economic events, market performance, and the importance of income planning and asset location for retirees. Sam explains how the stock market is forward-looking, reviews recent trends in interest rates, inflation, and unemployment, and provides practical advice on asset allocation and diversification. He uses relatable analogies to help viewers understand how to manage their portfolios for retirement income, emphasizing the value of flexibility and working with an advisor. 00:00 – Introduction: About Crestmont Private Wealth00:15 – Overview: Current events, markets, and income planning00:36 – Market Recap: Tariffs, recovery, and growth01:01 – Why is the market up despite mixed news?01:44 – AI boom and market valuations02:51 – Market performance: S&P 500, Russell 2000, bonds03:22 – Investing in uncertainty03:23 – The Fed’s role: Interest rates and inflation04:31 – Why is the Fed lowering rates?04:55 – Inflation and unemployment trends05:15 – What does this mean for consumers?05:33 – Impact on savings and bank rates06:08 – Retirees: Market performance and living off your portfolio06:29 – Asset location vs. asset allocation06:53 – Diversification and asset classes07:20 – Why asset location matters for retirees08:15 – Example: Withdrawing income during market volatility09:07 – The importance of flexibility and working with an advisor09:45 – Income planning basics for retirees10:25 – Diversification analogy: Ice cream and umbrellas in Florida11:00 – Portfolio construction for all market conditions11:36 – Closing: How to contact Crestmont Private Wealth14:06 – Outro: Thanks and farewell Original Air Date: November 1, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

In this episode of "The Ascent," host Sam McGee welcomes Dr. Maggie Dominguez (Executive Director of Communications, BISD) and Garrett Wilson (Board Trustee, BISD) to discuss the complexities of Texas school funding, focusing on the "golden pennies" mechanism. The conversation covers: How Texas school funding formulas work and the impact of property wealth on state funding. The concept of "recapture" (Robinhood) and how affluent districts like Bernie ISD lose local tax dollars to the state. The "golden pennies" mechanism, which allows districts to recoup some funds through voter-approved tax increases. The difference between tax rates for building schools and paying teachers. The importance of passing the golden pennies measure to increase teacher salaries and remain competitive. The broader impact of teacher pay on recruitment, retention, and community health. The challenges posed by rising costs, stagnant state funding, and increased insurance expenses. Resources for more information, including the BISD website and general Texas VADER information. The episode closes with a call to action for listeners to stay informed and participate in upcoming votes affecting local education.   00:00 - Introduction & Disclaimer 00:23 - About Crestmont Private Wealth 00:47 - Introducing Guests: Garrett Wilson & Dr. Maggie Dominguez 01:09 - Overview: Texas Education Funding 02:12 - Golden Pennies & School Funding Explained 03:08 - Recapture & Robinhood in Texas 04:42 - The Golden Pennies Mechanism 05:23 - Board Trustee Perspective: School Funding Basics 06:02 - Texas School Tax Rates Explained 07:22 - Comparing Tax Rates & District Growth 08:21 - Why the Golden Pennies Matter 08:58 - Teacher Salaries & Community Impact 10:30 - The Value of Investing in Teachers 11:29 - Funding Gaps & Legislative Changes 12:26 - Cost of Living, Salaries, and Funding Challenges 13:11 - Insurance Costs & Budget Pressures 14:07 - Where to Find More Information 14:28 - Closing Thoughts & Call to Action 15:07 - Outro & Thanks   Original Air Date: October 25, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

In this episode of The Ascent, Sam McGee from Crestmont Private Wealth shares his personal experiences and professional advice on college visits and preparing your child for college. From the evolving college application process to practical tips on campus tours, housing, financial planning, and essential legal documents, Sam provides valuable insights for parents and students navigating the journey to higher education. 00:00 – Introduction & About Crestmont Private Wealth00:49 – The Changing College Application Process01:43 – The Fun and Importance of College Visits02:29 – Housing Deadlines and Application Tips03:41 – The College Tour Experience: Then vs. Now04:21 – When to Start College Tours (Junior Year Advice)05:10 – Exploring Different Types of Schools (Community, Technical, etc.)07:00 – Essential Legal Documents: HIPAA Authorization & Medical Power of Attorney09:41 – Financial Planning: Local Banking & Credit Cards for Students10:39 – In-State vs. Out-of-State Tuition & Financial Aid Opportunities11:51 – Letting Go: Encouraging Student Independence on Tours12:22 – Final Advice: Make College Tours a Family Experience13:08 – Closing Remarks & Contact InformationSee omnystudio.com/listener for privacy information.

In this episode of "The Ascent," Sam McGee (CEO, Crestmont Private Wealth) and Alec Walker (EVP of Financial Planning) discuss the impact of layoffs in the energy sector, financial planning strategies during uncertain times, and the importance of diversification and adaptability. They share practical advice for individuals facing layoffs, including emergency savings, investment strategies, and maintaining a strong professional network. The conversation also touches on the emotional side of career transitions and the growing influence of AI on the workforce.   00:00 – Introduction: Meet Sam McGee and Alec Walker 00:46 – Energy Market Uncertainty & Layoff Statistics 01:47 – How Crestmont Helps Families Facing Layoffs 02:49 – Financial Planning: Emergency Savings & After-Tax Investments 05:27 – Investment Diversification & Overconcentration Risks 09:58 – Tax Implications of Company Stock 12:00 – The Double Whammy: Layoffs & Stock Downturns 13:30 – The Human Side: Emotional Support & Building Trust 15:00 – The Future: AI, Industry Disruption, and Adaptability 16:34 – Professional Networking & Continuous Learning 18:13 – Who Crestmont Works With & Parting Advice 19:33 – Closing Remarks & Contact Information   Original Air Date: October 11, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of "The Ascent," host Sam McGee interviews Marshall Fisher, Director of Distillate Trading at Valero. They discuss Marshall’s background, his journey into the energy and aviation fuel industry, the intricacies of jet fuel production and distribution, and the impact of global events like COVID-19 on the fuel market. Marshall shares industry stories, including a humorous anecdote about commodity trading, and offers career advice for those interested in the energy sector. The conversation wraps up with insights on the importance of petroleum products in modern life.   00:00 – Introduction: Host Sam McGee introduces the show and guest Marshall Fisher. 00:47 – Marshall’s Background: Growing up in Boerne, education, and early career. 01:45 – Getting into Energy Trading: Marshall’s path to Valero and the appeal of energy trading. 03:00 – Aviation Fuel 101: Explaining the process from refinery to tarmac, and global demand stats. 05:00 – COVID-19 Impact: How the pandemic affected fuel markets and trading. 08:00 – Commodity Trading Story: The dentist and the 1,000 barrels of heating oil. 10:00 – Market Stabilization: How big players managed risk during market turmoil. 12:30 – Valero’s Market Share: Valero as the largest North American jet fuel seller. 13:00 – Career Advice: Internships, building a brand, and advice for students. 16:00 – The Role of Aviation Fuel: The importance of petroleum products in daily life. 17:20 – Closing Remarks: Final thoughts and gratitude.   Original Air Date: October 4, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of The Ascent, Sam McGee from Crestmont Private Wealth discusses essential considerations for aging parents and their families. Covering topics like legal documentation, income planning, healthcare, family communication, and fraud protection, Sam shares practical advice and real-world experiences to help families navigate the complexities of aging and wealth management. Whether you’re planning for your own future or supporting loved ones, this episode offers valuable insights to ensure peace of mind and financial security. Contact: [email protected] 00:00 - Introduction & About Crestmont Private Wealth 00:43 - The Importance of Planning for Aging Parents 01:23 - Key Financial and Family Considerations 02:14 - Legal Documentation: Power of Attorney, Wills, Directives 04:49 - Beneficiary Designations & Routine Audits 05:49 - Income & Cash Flow: Social Security Decisions 06:48 - Timing Social Security & Spousal Benefits 07:52 - Family Communication Styles & Challenges 09:19 - Transparency and Annual Family Meetings 10:07 - Specifying Wishes & Estate Planning 10:47 - Shared Access & Trusted Contacts 11:58 - Technology for Safety & Monitoring 12:44 - Fraud Protection: Trends and Best Practices 14:33 - Consolidating Accounts & Simplifying Finances 15:13 - Recap: Key Takeaways for Seniors and Families 16:00 - Closing Remarks & Contact Information Original Air Date: September 27, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of The Ascent, Alec Walker from Crestmont Private Wealth explains everything you need to know about Roth conversions. He covers what a Roth conversion is, when and why it makes sense, key rules and deadlines, tax implications, and how to determine if a Roth conversion is right for you. Alec also discusses the impact on Medicare premiums, estate planning, and strategies for optimizing your conversions. If you’re considering a Roth conversion or want to understand the benefits and potential pitfalls, this episode is packed with practical advice and expert insights. 00:00 – Introduction: Alec Walker and the topic of Roth conversions 00:14 – What is a Roth conversion? 00:56 – Roth conversion deadlines and why timing matters 01:47 – Why do Roth conversions in the fall? 02:07 – How much should you convert? Tax bracket considerations 02:49 – When does a Roth conversion make sense? 03:19 – Roth conversions and retirement years 03:59 – Roth conversions for large required minimum distributions (RMDs) 04:49 – The “gap years” and tax planning 05:14 – Importance of after-tax investment accounts 05:22 – Estate planning: Secure Act and inherited IRAs 05:49 – Hedging against future tax rate increases 06:14 – Reducing lifetime taxes with Roth conversions 06:39 – Five main reasons for Roth conversions 07:04 – Key rules and “gotchas” (deadlines, no takebacks, five-year clock) 07:51 – Five-year rule explained 08:24 – Tax brackets and Medicare premium considerations 08:45 – How Medicare premiums are calculated 09:04 – Impact on Affordable Care Act and insurance premiums 09:49 – Estimated taxes and making tax payments 10:19 – Withholding taxes vs. paying with outside funds 10:47 – Working with CPAs and tax professionals 11:12 – How to determine if a Roth conversion is right for you 11:30 – Analyzing your tax return and projecting income 11:50 – Annual vs. one-time Roth conversions 12:13 – The power of partial, annual conversions 12:36 – Long-term impact of annual conversions 13:01 – How to get in touch for a Roth conversion analysis 13:26 – Outro and contact   Original Air Date: September 20, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com Alec Walker in Houston:  831-280-5288 Sam McGee in Boerne: 830-368-2898 informationSee omnystudio.com/listener for privacy information.

Join Sam McGee from Crestmont Private Wealth as he interviews Laura Anderson, president of the 100 Club of Kendall County. Laura shares her background as a law enforcement officer, the mission of the 100 Club, and the importance of supporting first responders and their families. The episode covers the annual "Tug the Truck" event, mental health challenges for first responders, stories of community support, and ways to get involved. Recorded on September 11th, the conversation also honors the sacrifices of first responders and highlights the club’s commitment to local impact.   00:00 – Introduction: Meet Sam McGee & Laura Anderson 00:45 – Laura’s Law Enforcement Background 01:28 – The Risks and Sacrifices of First Responders 02:30 – Mental Health Challenges in Law Enforcement 03:00 – How Laura Got Involved with the 100 Club 03:40 – What the 100 Club of Kendall County Does 04:30 – "Tug the Truck" Event Overview 05:15 – Event Activities: Fire Truck Tug, Police Car Push, Awards 06:00 – Community Involvement & Sponsors 07:00 – Honoring 9/11 and Fallen First Responders 08:00 – Stories of Support: Mental Health & Financial Aid 09:00 – Scholarships and Training Grants 10:00 – The Importance of Mental Health Support 11:00 – Other Annual Events: Boots for the Badges Bash 12:00 – How Donations Are Used Locally 13:00 – How to Get Involved & Wishlist 14:00 – Closing Thoughts: Community, Patriotism, and Contact Info 15:44 – End of Episode   Original Air Date: September 13, 2025 at 8:30am as heard on Boerne Radio 103.9FM https://www.100clubkendallcounty.org/ Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

Welcome to The Ascent! In this episode, Sam McGee from Crestmont Private Wealth discusses the often-overlooked mental and emotional aspects of preparing for retirement. While financial planning is crucial, Sam emphasizes the importance of addressing identity, purpose, routines, social connections, and mental health as you transition into retirement. Learn practical strategies to maintain fulfillment, manage financial anxiety, and ensure a smooth, meaningful shift into this new chapter of life. Timeline / Chapters: 00:00 – Introduction & About Crestmont Private Wealth 00:50 – The Emotional Side of Retirement 01:55 – Loss of Identity & Finding New Purpose 02:37 – Planning New Routines and Hobbies 03:18 – Maintaining Social Connections 04:52 – Lifestyle Changes in Retirement 05:37 – Financial Planning & Setting Expectations 06:43 – Managing Financial Anxiety 08:12 – The Importance of an Income Plan 09:02 – Ongoing Financial Maintenance 09:25 – Seeking Support: Therapy & Coaching 10:48 – Finding Purpose & Fulfillment 11:39 – The Impact of Losing Purpose 12:00 – The Value of a Retirement Coach 12:31 – Final Thoughts & Resources   Original Air Date: August 30, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898See omnystudio.com/listener for privacy information.

In this episode of "The Ascent with Crestmont Private Wealth," host Sam McGee interviews Dorman Vic, the leader of the renowned welding program at Champion High School in Boerne, Texas. They discuss the origins and impact of the program, the importance of vocational education, inspiring student stories, and the broader movement to bring skilled trades back into the spotlight. The conversation covers faith, grit, community support, and the life-changing opportunities that vocational training provides for young people. Special guests and supporters, including local dignitaries and celebrities, are highlighted, along with ways listeners can get involved.   Original Air Date: August 23, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898   00:00 – Introduction to the show and disclaimer 00:35 – About Crestmont Private Wealth and the Boerne, TX office 00:58 – Introducing Dorman Vic and the Champion High School welding program 01:38 – Dorman’s journey: inspiration, testimony, and the start of the program 02:47 – The impact of the program and community support 04:23 – Student stories: overcoming adversity and breaking barriers 05:45 – The value of vocational education in a white-collar community 07:00 – Bringing shop class and vocational training back to schools 08:30 – The importance of hands-on skills and learning new trades 10:00 – The role of taxpayers and the public in supporting education 11:30 – Advice for other school districts and the future of vocational education 13:00 – The need for industry involvement and urgency in skilled trades 14:30 – The decline of the middle class and the importance of manufacturing 15:45 – Famous people who started in skilled trades 17:00 – The broader impact of shop programs and role models 18:30 – The infrastructure and essential skills that keep society running 19:45 – The “Amazon culture” and the reality of production 20:30 – Success stories: student certifications and employability 22:00 – Building confidence and portfolios for students 23:00 – Projects for the government and celebrities 24:00 – Life skills and character development through the program 25:00 – How listeners can support the Welding Student Support Foundation 26:00 – Social media and ways to connect with the program 27:00 – The role of Governor Perry and other supporters 28:00 – Final thoughts: the movement for vocational education 29:00 – Call to action for listeners and closing remarks 30:00 – Outro and well wishesSee omnystudio.com/listener for privacy information.

In this episode of The Ascent, Sam McGee, CEO of Crestmont Private Wealth, discusses the importance of long-term investing and maintaining perspective during market volatility. Drawing on historical examples like tariffs, bear and bull markets, the 2008 financial crisis, and the COVID-19 downturn, Sam explains why staying invested and managing emotions is crucial for financial success. The episode also covers behavioral finance, the value of diversification, and practical advice for weathering market corrections. For more resources or to get a copy of the referenced deck, contact [email protected]. 00:00 – Introduction: Meet Sam McGee and Crestmont Private Wealth00:31 – Reference to the investment deck and how to get a copy00:59 – Investing as a long-term game vs. speculation01:49 – Risks of investing and the importance of perspective02:16 – The impact of news headlines and market volatility02:45 – Example: 2002 steel tariffs and market resilience04:22 – 2018 US-China tariffs and market response05:05 – Lessons from market history: bull and bear markets since 195006:47 – The value of staying invested through recessions and downturns07:23 – The 2008 financial crisis: panic vs. patience07:55 – The COVID-19 crash and V-shaped recovery09:12 – Emotional decisions and the cost of panic selling10:06 – Diversification and building a robust financial plan10:32 – Market corrections: why they’re loud, and recoveries are quiet11:21 – The importance of being prepared for the unexpected12:31 – Recap: behavioral finance, history, and staying the course13:03 – Final thoughts, how to contact Crestmont Private Wealth, and closing remarks   Original Air Date: August 16, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898 See omnystudio.com/listener for privacy information.

In this back-to-school update, Sam McGee covers the current state of the U.S. economy and financial markets as of August 2025. He discusses the relationship between the economy and markets, recent trends in unemployment, inflation, real estate, and interest rates, and provides insights into what may be ahead for investors. The episode also touches on the Federal Reserve’s actions, market volatility, and the importance of diversification in financial planning. If you’re looking to catch up on economic news and market trends as the school year begins, this episode is for you! 00:00 – Introduction & Disclaimer 00:34 – Back to School: Timing and Parental Routines 01:02 – Economy vs. Financial Markets: Key Differences 01:29 – What is the Economy? (Lagging Indicator) 02:03 – Financial Markets as Leading Indicators 02:28 – Market Volatility and Irrationality in 2025 03:00 – S&P 500 Performance: Downturn and Rebound 03:28 – State of the Economy: Key Bullet Points 03:49 – U.S. Unemployment Data (July 2025) 04:09 – Comparing Unemployment: 2020 vs. 2025 04:36 – Government Stimulus and Unemployment Trends 05:07 – Current Unemployment Rate and Historical Context 05:28 – U.S. Consumer Price Index & Inflation Trends 05:50 – Fed Rate Hikes and Impact on Inflation 06:30 – CPI Drop and Current Inflation Rate 06:51 – Real Estate Market Overview 07:13 – Case Shiller Home Price Index Trends 07:25 – Home Prices, Interest Rates, and Inventory 07:44 – Effects of High Prices and Low Inventory 08:17 – Seller Behavior and Market Adjustments 08:37 – Mortgage Rates and Buyer/Seller Dynamics 08:51 – U.S. Company Earnings and Economic Resilience 09:27 – Fed Rate Cut Expectations and Inflation 09:55 – Inflation Uptick and Fed’s Dilemma 10:53 – The Fed’s Balancing Act: Inflation vs. Economy 11:12 – Rate Cut Predictions and Market Expectations 11:34 – Financial Markets: Year-to-Date Performance 12:01 – S&P 500 and ETF Performance 12:36 – Growth vs. Value: Russell 1000 Indices 13:03 – Market Resilience Amid Geopolitical Risks 13:29 – Recap: Economic and Market Update 13:54 – Crestmont Private Wealth’s Approach & Contact Info 14:22 – Outro and Closing Remarks Original Air Date: August 9, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898 See omnystudio.com/listener for privacy information.

In this episode of "The Ascent," host Sam McGee is joined by Assistant Fire Chief Walter Ball to discuss the recent flooding in Hill Country, Texas, and the heroic response of local first responders. The conversation covers the timeline of the emergency, inter-agency cooperation, personal stories of resilience and community support, and upcoming community events like the Firefighter Games and the "Tug the Truck" fundraiser. The episode highlights the dedication of firefighters, the importance of mental health support, and the strength of the local community in times of crisis. Timeline & Chapters 0:00 – Introduction Host disclaimer, show intro, and guest introductions. 0:35 – Co-host Sam McGee checks in from Colorado Reflections on remote work and recent events. 1:00 – Acknowledgment of Flooding in Hill Country Expressing thoughts for those affected. 1:17 – Focus of the Episode: First Responders Setting the stage for the discussion on emergency response. 1:42 – Introducing Assistant Fire Chief Walter Ball Chief Ball joins the show, shares his background. 2:24 – July 4th Flood Response: Timeline Chief Ball recounts the days leading up to and during the flood. Early morning weather monitoring and mutual aid activation. 4:11 – Emergency Operations Center & Swift Water Rescue Details on the EOC, boat teams, and rescue missions. 5:24 – Scope of the Response 20 river miles covered, multiple agencies involved. 6:14 – Inter-agency Coordination Collaboration between fire, EMS, police, and emergency management. 7:09 – Positive Stories from the Field Community support: notes left on responders’ vehicles. Mental health support offered to first responders. 10:47 – Firefighter Games & Community Events Chief Ball discusses the Texas Firefighter Games and the possibility of hosting them locally. Upcoming "Tug the Truck" and police car push event. 13:00 – Community Resilience & Appreciation Reflections on the community’s response and gratitude for first responders. 15:00 – Closing Remarks Information on Crestmont Private Wealth and how to get involved in community events. Original Air Date: August 2, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898   See omnystudio.com/listener for privacy information.

Alec Walker, EVP of Financial Planning at Crestmont Private Wealth discusses strategies for college savings during the back-to-school season. Alec covers the rising costs of college, the benefits and drawbacks of 529 plans, recent legislative changes, multi-generational planning, and tips for managing student debt. He also shares personal stories and practical advice for families planning for education expenses. Timeline: 00:00 – Introduction & Host Welcome 00:30 – Back-to-School Season & College Savings Overview 00:52 – Analyzing College Funding Goals 01:12 – The True Cost of College Today & in the Future 02:09 – Inflation and Projected College Costs 02:32 – Why Start Saving Early? 02:59 – Ways to Save for College: Savings, Investments, 529 Plans 03:22 – 529 Plan Benefits & Drawbacks 04:04 – 529 Plan Flexibility & Financial Aid Impact 04:44 – Running College Savings Analyses for Clients 05:23 – Recent Legislative Changes: Expanded 529 Uses 06:03 – 529s for Trade Schools & Credentialing 06:19 – Rolling Over 529 Funds to Roth IRA 06:54 – Multi-Generational College Planning 08:28 – Gifting to 529s for Birthdays & Holidays 08:58 – Student Debt: Strategies for Repayment 09:31 – When to Pay Down Debt vs. Invest 10:11 – Importance of Working with an Advisor 10:57 – Personal Story: University of Houston & Family Tradition 12:00 – Closing Remarks & Contact Information Original Air Date: July 26, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

In this episode of 'The Ascent', Alec Walker of Crestmont Private Wealth discusses the tangible benefits of working with a financial advisor. Alec reviews a landmark study by Vanguard, which quantifies how advisors can add up to 3% or more in net returns for clients. The episode breaks down key areas like asset allocation, investment selection, rebalancing, behavioral coaching, tax-efficient strategies, and more. Alec also shares a personal cooking tip on making a flavorful Chicken Piccata. . 00:00 Introduction and Disclaimers 00:28 The Value of an Advisor: An Overview 00:56 Vanguard Study on Advisor Value 02:18 Key Areas of Advisor Value 03:14 Top Three Investment Strategies 04:52 Behavioral Coaching: A Major Value Add 06:38 Tax Efficiency and Asset Location 08:15 Total Return vs. Income Investing 08:54 Tax Loss Harvesting 09:41 Conclusion and Contact Information 10:20 Cooking Tip: Lemony Chicken Piccata   Original Air Date: July 19, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.

Sam McGee from Crestmont Private Wealth and his son, Samuel, discuss financial literacy, the importance of work ethic, and the value of giving time, talent, and treasure. Samuel shares insights from his experiences with Early Act, a service-oriented group he joined in fifth grade, and delves into his summer training for football, the educational value of doing chores, and thoughts on AI technology. This heartwarming and informative episode highlights the benefits of instilling strong values and financial education in the younger generation. 00:00 Introduction and Disclaimer 00:27 Welcome to The Ascent 01:01 Summer Activities and Training 01:43 Financial Literacy and Early Act 05:15 Allowance and Financial Tools 07:42 School Subjects and AI Concerns 10:45 Spontaneous Podcast Invitation 11:14 Conclusion and Gratitude   Original Air Date: July 12, 2025 at 8:30am as heard on Boerne Radio 103.9FM Contact:  www.crestmontpw.com  Alec Walker in Houston:  831-280-5288  Sam McGee in Boerne: 830-368-2898  See omnystudio.com/listener for privacy information.