WE Money Talk

AI in Finance: Is Your Portfolio Being Managed by a Hallucination? Artificial Intelligence is rewriting the rules of business, tax, and estate planning. But is it a revolutionary tool for wealth creation, or a “foe” that provides dangerous, incomplete data? In this episode of Laugh When the Market Crashes, Terry Wheeler, J.D., CFP®, explores the dual nature of AI. From the risks of “legal hallucinations” in the courtroom to the powerful “tax overlays” that can add 1–3% to your annual returns, Terry explains why AI should be your collaborator, but never your pilot. In this episode, we cover: The “Average Answer” Trap: Why basic AI often gives you the median of the internet’s “noise” rather than expert strategy. Risk Premiums & Portfolios: How we use AI to ensure your portfolio isn’t just a “Vanguard clone” but is capturing all five key risk premiums. The Attorney’s Cautionary Tale: Why relying on AI-generated research without human verification can be career-ending. Privacy & Security: The #1 rule for protecting your personal financial data when using LLMs. The Macro Picture: How AI and robotics will impact the middle class and the future of the 5-day work week. Visit weriaadvisors.com to connect with Terry.

Welcome to the inaugural episode of the Laugh When the Market Crashes podcast (formerly WE Money Talk)! In this episode, host Terry Wheeler, J.D., CFP®, dives deep into the primary risks that can derail your financial future. As Terry prepares to release his upcoming book, Laugh When the Market Crashes, he pulls back the curtain on why traditional “buy and hold” strategies often leave retirees vulnerable. Whether you’re in the “sprint to retirement” or already enjoying your golden years, understanding these 10 risks is the difference between panic during a downturn and having the “quiet smile” of a prepared investor. Grab your coffee, roll up your sleeves, and let’s get to work. In this episode, you’ll learn: Why Behavioral Risk (and FOMO) is your portfolio’s biggest enemy. The math behind Sequencing of Return Risk and why it’s “dumb luck” you can actually control. How Defined Outcome Investing provides a “defense” that can potentially increase your safe withdrawal rate. The massive “tax drag” that could be costing you half of your retirement wealth. Connect with Terry at weriaadvisors.com

On this episode of the WE Money Talk podcast, Terry Wheeler breaks down the fundamentals of powerful tax planning, and why most investors and high earners unknowingly leave significant money on the table each year. Rather than focusing only on investments, Terry introduces the core tax framework every successful tax strategy is built upon: understanding how income is taxed, how deductions actually work, and how different “tax buckets” interact. You’ll learn the critical differences between taxable, tax-deferred, and tax-free accounts, why timing matters more than most people realize, and how strategic planning can help reduce ordinary income — often the most heavily taxed form of earnings. Terry also walks through the three primary income buckets (ordinary income, capital gains, and passive income) plus the powerful fourth category where advanced strategies, especially real estate planning, can unlock meaningful deductions. Whether you’re a business owner, investor, or high-income professional, this episode lays the foundation for smarter tax decisions and explains why effective tax planning starts long before year-end. If you want to keep more of what you earn and understand how advanced strategies create six-figure deductions, this Tax Planning 101 episode is the place to start. In this episode, you’ll discover: How different investment accounts are taxed and why diversification across tax types matters The “tax bucket” framework advisors use to structure effective deduction planning How capital gains, passive losses, and real estate strategies interact under IRS rules Why waiting until October or November is often too late for meaningful tax savings The foundational concepts required before implementing advanced tax strategies Download the slides from this episode HERE. Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc

Is 2026 the year robots finally enter our homes and AI takes over the office? In this episode of We Money Talk, we dive deep into the major trends arriving fast in 2026. From the explosion of humanoid robotics and “AI Agents” to the tokenization of real estate on the blockchain, the world is changing rapidly. We discuss how these technologies will revolutionize healthcare, impact the job market (Wall Street vs. Main Street), and what it all means for your investment portfolio. Are we heading for a market crash or an AI-fueled boom? Watch to find out where the “boring” investment opportunities lie in this high-tech future. In This Video, We Cover: The future is arriving fast Robotics in Manufacturing: Efficiency vs. Layoffs Humanoid Robots: $20k price points & home assistance. The “Terminator” Scenario: Safety, AI sympathy & kill switches . AI Agents: How co-pilots are changing the workforce. Blockchain Adoption: Real estate tokenization & liquidity Healthcare Revolution: Remote surgery, protein folding & longevity. Market Outlook: Is the stock market overextended? Where to Invest: Finding value in “boring” companies The future of skilled trades & conclusion.

In this special 20-minute episode, WE Alliance Wealth Advisors founder Terry Wheeler sits down with his 15-year-old daughter, Zoey Wheeler, who recently became a published author. This heartfelt conversation offers a rare, behind-the-scenes look at Zoey’s writing journey and the moments that shaped her path to becoming a young novelist. Find Zoey’s new book Viewers will hear Zoey share: What first sparked her interest in writing How her debut novel came to life The challenges she navigated along the way How she balances school, creativity, and everyday life Her advice for other young writers with big dreams This episode is both an inspiring celebration of youthful creativity and a proud dad moment for Terry and the WE Alliance community. If you enjoy this conversation, be sure to like, comment, and subscribe for more episodes from WE Alliance Wealth Advisors. #ZoeyWheeler #TeenAuthor #FamilyPodcast #ProudDadMoment #WritingJourney #WEAlliance #WealthAdvisors #InspiringStories Connect with Terry Wheeler: http://weriaadvisors.com 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler: https://www.linkedin.com/in/terry-wheeler-jd-cfp/ Facebook: WE Alliance Wealth Advisors, Inc: https://www.facebook.com/WEAllianceWealthAdvisors Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

In this incredibly candid episode titled “Learn From My Previous Investment Mistakes,” Terry Wheeler gets real about the financial blunders of his past the “scary investments” so you can secure your future without making the same costly errors. Terry covers three illiquid investment blunders and the one common mistake you need to address right now as the market nears its peak: Illiquid REITs & BDCs: Why did investments that were perfect in theory turn into decade-long traps with only modest (or negative) returns? The answer is fees and illiquidity. Learn why you must prioritize control. The Scaled Tax Lien Strategy: An example of a good idea ruined by flawed implementation. Terry explains the dangers of boutique investments that try to scale too fast. The Biggest Lesson: Market Defense! Relive the pain of the 2001 and 2008 crashes. Terry explains that his biggest mistake was not having a heavy enough concentration in protected positions near the market top. Actionable Takeaway: Terry advocates for Defined Outcome Investing to protect your gains and ensure you’re positioned to “buy the dip” when the current bull run inevitably ends. Find out how to achieve most of the upside with critical downside protection. Don’t wait to get crushed. Learn from these mistakes and take action today! Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc

On episode 28 of the WE Money Talk podcast, Terry Wheeler, a financial planner and estate attorney, takes a unique approach to financial planning by using the Titanic as a cautionary tale. He draws seven compelling lessons from the ship’s tragic story and applies them directly to your own financial journey. Discover how the same threads of overconfidence, ignored warnings, and a lack of preparedness that led to the demise of the “unsinkable” ship can also threaten your financial security. Terry breaks down the parallels, offering crucial insights on how to mitigate risks, create a robust plan, and ensure your financial future doesn’t hit an iceberg. Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc

Navigate the 2025 tax season with confidence! This video breaks down the most impactful federal tax law changes for individuals and business owners under the new “One Big Beautiful Bill Act.” Discover how permanent lower tax brackets, a new senior deduction for Social Security, and a special deduction for tipped income could benefit you. Plus, business owners will learn about expanded QBI, boosted SALT deductions, and enhanced depreciation rules. Get practical tips to optimize your tax planning for 2025 and beyond! Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc

What happens when common sense meets political reality? In this straight-shooting episode, Terry Wheeler tackles the uncomfortable truth about Washington’s fiscal dysfunction and why America’s long-term success depends on courage, not convenience. As economic pressures mount and global tensions rise, Americans are left wondering: Will our leaders step up—or just focus on re-election? Terry shares his unfiltered take on tariffs, taxes, and the toxic short-term mindset infecting both parties.  With his signature clarity and conviction, he explains why real leadership requires more than rhetoric—and how the business community (and voters) can hold decision-makers accountable. This episode isn’t about left or right—it’s about what’s right for America’s future. Key discussions in this week’s release include: Why tariffs might actually be the best economic move for the U.S. right now The bipartisan elephant in the room: we need to both raise taxes and cut spending Why most politicians are smart, but selfish, and what that means for future generations A call for long-term thinking, straight from Terry’s own experience as a business leader and father And more! Resources: Maximizing Your Social Security Benefits (Ep. 20) Can I Depend on Social Security for My Retirement? (Ep. 8) Strategies for a Long, Healthy Retirement With Heather Holmes (Ep. 13) Understanding the Economic Impact of Trump’s Second Term (Ep. 18) What The Economy Could Look Like With Donald Trump As President (Ep. 16) Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc

What if you could send your kids to college without sacrificing your financial future?  Many families find themselves caught in the middle of this challenge, but with the right approach, it’s entirely possible to balance both. Terry Wheeler provides practical insights into how families can make smarter financial decisions when planning for college expenses, without putting their retirement at risk.  The conversation focuses on strategies that can help families save more effectively and avoid common pitfalls that lead to financial stress down the road. Key discussion points include: Navigating conventional and unconventional sources of college money [00:07:17] Decoding the real costs involved in higher education [00:05:26] Innovative tax credit and deduction strategies to save on college expenses [00:20:21] The power of income shifting and 529 plan tactics [00:33:11] Business-savvy methods to maximize tuition funding [00:31:14] And more! Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc

Feeling restless and considering an early escape from the daily grind? What if you could start living your dream retirement now, even before clocking out for good? Join Terry Wheeler as he chats with his brother, Ed Wheeler, about the concept of “mini retirements” and how this lifestyle can redefine your approach to wealth and adventure.  Discover the liberating world of budget travel and learn about Ed’s adventures across Tbilisi, Malta, and Prague. His experiences will inspire you to plan your own life-enhancing journeys, encouraging you to see the world and embrace flexibility without waiting for the “right time.” Key conversation points include: The life changes that pushed him towards early travel [00:02:41]  Why Tbilisi, Georgia, became his destination of choice [00:04:38]  Insights from Malta’s medieval charms to Prague’s bustling neighborhoods [00:18:12] How to blend work and travel in the Cayman Islands [00:32:58]  And more!   Resources: “The 4-Hour Workweek” by Timothy Ferriss Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc   Connect with Ed Wheeler: (303) 972-2443 About Ed Wheeler:  Ed Wheeler is an Executive Consultant with Long International and has over 35 years in the heavy civil construction, oil and gas, and power industries. He is experienced with the development of pre-bid pursuit schedules and baseline schedules and recently completed a pursuit schedule for a $1.3 billion joint venture project. Mr. Wheeler has had a significant role in the development of large, sophisticated project schedules for several high-profile nationwide projects totaling over US$8 billion. He has proven experience in construction management, management advisory services, and construction claims consulting. He provides clients with superior hands-on industry knowledge and the analytical and problem-solving skills necessary to understand and demonstrate the effects of complex construction issues and time-related impacts. Mr. Wheeler began his career as an Operating Engineer for one of the largest U.S. heavy civil contractors. He subsequently worked as a Project Engineer, Project Manager, Project Scheduler, Contract Administrator, Scheduling Consultant, Senior Scheduler, and Corporate Scheduler. Mr. Wheeler has provided services to several of the most respected heavy civil contractors in the U.S. and some of the largest construction companies in the world.

What do we say when words seem inadequate?  In this heartfelt episode, Terry Wheeler delves into the complexities of grief and the challenges we face in supporting those who have lost a loved one.  Drawing from personal experiences and a compelling presentation he attended by Darren Sugiyama, a fellow financial advisor deeply affected by loss, Terry explores effective ways to show support and empathy. Terry shares touching stories about his late friend, Bruce Bone, and reflects on how to meaningfully connect with grieving families.  Gain insight into navigating grief as this episode covers: Grief Etiquette: What to say and, just as importantly, what not to say to those in mourning. Personal Stories: Recounting memories and finding comfort in shared experiences.  Acts of Kindness: The impact of unexpected gestures and memorials that honor lost loved ones.  Practical Support: Offering tangible help without adding pressure during difficult times. Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc

Is your investment portfolio prepared for the storm ahead? With market warning signs on the horizon, discover how to turn potential downturns into opportunities for long-term growth. Terry Wheeler decodes the warning signals investors might be missing and shares insights on building a recession-ready portfolio. With guests exploring the history of past market crashes in 2001 and 2008, the episode unfolds the significance of maintaining a balanced strategy that’s prepared for any market shifts. Key discussions include: Market Timing Myths and Realities [00:00:45] Lessons from Past Crashes [00:03:13] Early Warning Indicators [00:05:43] The Power of Defined Outcome Investing [00:08:57] Fixed Income Annuities as a Strategy [00:15:09] Steps Toward Secure Portfolio Management [00:19:59] And more! Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, In

Could refinancing your annuity turbocharge its return by 50% while also topping up your retirement fund with bonuses you don’t have to pay back?  Terry Wheeler dives into annuity refinancing strategies that are hard to ignore given today’s interest rate climate. If you’re curious about how your financial future could benefit, this conversation is for you. Terry Wheeler discusses: What refinancing an annuity involves and its potential benefits [00:00:49] The economic environment making annuity upgrades viable [00:02:25] Different types of annuities and eligibility for refinancing beginning at [00:03:29] Financial implications, including cap rates and par rates [00:06:29] The tax implications of refinancing through a 1035 exchange [00:13:32] And so much more! Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA. The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

What does the Social Security Fairness Act mean for your retirement plans?  In this episode of WE Money Talk, Terry Wheeler unpacks the upcoming changes to the Social Security system that could impact your benefits. The Social Security Fairness Act is set to expand eligibility, proving vital for many who previously fell through the gaps, like teachers and some government employees. Terry discusses: The history and misconceptions around Social Security. [00:00:41] Major changes for 2025 and their implications for cost-of-living adjustments. [00:02:59] Adjustments on retirement age and contributions. [00:05:03] The Social Security Fairness Act and who it affects. [00:09:06] How you could recoup benefits retroactively and what steps to take next. [00:12:22] Resources: Financial Strategies for a Long, Healthy Retirement with Heather Holmes (Ep. 13) Can I Depend on Social Security For My Retirement? (Ep. 8) Apply for Social Security Benefits  Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

Terry Wheeler is on a mission to provide young people with the financial education they often lack in school.  Growing up in a blue-collar family, he witnessed firsthand how hard work alone wasn’t enough to build wealth. His journey from struggling with debt after college to successfully leveraging investments to pay it off has shaped his passion for teaching others. Through his program, Financial Foundations, Terry aims to teach financial fundamentals to a wide audience, from young teens to adults who never learned these essential skills. In this episode, he highlights how the program covers topics like saving early, compound interest, and investing.  Highlights include: The importance of financial education for young people [00:01:00] Basics of saving, investing, and understanding debt [00:03:40] Plans to bring financial lessons to schools and families [00:06:02] Foundational concepts and advanced applications in wealth building [00:08:19] And more Resources: WE Care Entrepreneurial Education Foundation Rich Dad Poor Dad: What The Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert Kiyosaki Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA. The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

What if your grasp of today’s political changes could truly affect your finances and future investments? Terry Wheeler delves into the pressing issues that President Donald Trump faces as he embarks on his second term. He tackles government debt, the reality behind employment numbers, and the challenges of achieving energy independence. Terry discusses:  The challenges of managing government debt [00:00:38] Understanding real employment numbers vs. headline figures [00:03:45] The role of tariffs and national security [00:06:34] Energy independence and its economic impact [00:11:13] Strategies for tackling immigration thoughtfully [00:16:37] The potential effects of reducing government size and regulation [00:26:17] And more Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

What trends will shape your financial decisions in 2025? Terry Wheeler reflects on the surprising twists of 2024 and anticipates the challenges and opportunities of the coming year. He touches on key movements in stocks, the unexpected rise of crypto, and the critical shifts in real estate and federal debt.  Terry discusses:  Market surprises and the importance of defense [00:00:41] The rising impact of cryptocurrencies [00:02:44] Key trends and financial strategies for 2025 [00:03:52] The growing communication shift away from mainstream media [00:06:08] Federal debt dilemmas and their implications [00:10:05] Real estate price surges and potential market corrections [00:13:20] The importance of downside protection and diversified investments [00:19:38] Roth conversions and tax strategies for the future [00:26:36] And more Resources: Protecting Your IRA for the Next Generation Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA. The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

What could a second term for Trump mean for the economy? In Episode 15, Terry shared his insights on the potential implications of a Kamala Harris presidency. Now, let’s explore what a Trump win could bring. Join Terry as he analyzes the impact of Trump’s policies on both Wall Street and Main Street, inflation trends, and the national deficit. This episode offers a thorough analysis and actionable advice to help you navigate the evolving economic landscape.  Episode discussions include: Learn about the potential market impacts of Trump’s spending strategies Understand how tariffs and regulations might affect inflation and business growth Explore Trump’s stance on energy independence and foreign policy implications Consider how potential immigration reforms could influence Main Street and Wall Street. Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc   Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.  

When it comes to casting your ballot, it’s crucial to base your decision on facts, not emotions. Look for leaders who provide solid information and realistic solutions, not just empty promises. In this episode, Terry Wheeler breaks down Kamala Harris’ proposed economic policies, covering everything from government spending to taxation, and what they could mean for the broader economy—and your portfolio. Explore the nuances of a Harris presidency and how it might compare to a potential Trump economy, providing insights to help you prepare for what’s ahead. Key episode discussion points include: The historical significance of Harris potentially being the first female president and what this means for American symbolism Harris’ possible spending policies, inclinations toward maintaining social programs, and implications for stock markets and inflation Proposals for corporate tax rates and potential policy impacts on wealth distribution Her position on energy independence and the administration’s effectiveness in border security and immigration policies Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

Reverse mortgages have evolved into a widely accepted financial tool, offering tailored solutions for certain individuals—particularly seniors seeking to enhance their financial security. Although there are costs involved, such as mortgage insurance, the potential relief and flexibility these products offer can make a meaningful difference in the lives of those in need. Join Terry Wheeler as he sits down with Brooke McManus, Account Executive at Longbridge Financial, to unpack the modern-day reverse mortgage. Together, they dive into the key benefits, including how reverse mortgages can help address financial challenges, the common misconceptions that persist, and the critical costs to consider. Key takeaways from this episode include:  Associated costs and eligibility parameters of reverse mortgages  Line of Credit (LOC) options and how they can benefit borrowers Expert insights into the application process How can reverse mortgages help fund in-home care, long-term care, or emergencies And more Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Connect with Brooke McManus: Longbridge Financial LLC LinkedIn: Brooke McManus About Our Guest:  Brooke McManus serves as an Account Executive for Longbridge Financial. With nearly a decade of mortgage and real estate industry experience, her client-centric approach to evaluating customer needs yields continually satisfied customers and strong, lasting partnerships. Brooke takes special pride in her ability to work with brokers of all experience levels, from industry veterans to those who are new to reverse mortgages.   Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

On today’s episode of WE Money Talk, discover how custom life expectancy assessments like Halo can help you plan smarter for the future. Understanding your unique life expectancy can revolutionize your financial planning and ensure you don’t outlive your money. Join Terry Wheeler as he discusses the critical topic of longevity planning with Heather Holmes, CEO and founder of Genivity and Lumiant. They delve into the significance of custom life expectancies and their impact on financial decisions. Heather opens up about her journey and the inspiration that led to the creation of Halo, a groundbreaking tool for personalized longevity assessments. Key highlights include: The role of custom life expectancy assessments in planning for your retirement Halo’s personalized longevity reports and how they can help you make smarter financial decisions The implications of life expectancy on social security and pension optimizations How to plan for healthcare and long-term care costs accurately Resources: Genivity Halo Assessment Report Why Longevity MATTERS In Building Your Financial Plans For Retirement (Your Money SHOULD OutLive You) (Ep. 3) Fact or Fear? The Real Costs of Long-Term Care (Ep. 7) How To Protect Your Loved Ones: Estate Planning Essentials (Ep. 11) Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Connect with Heather Holmes: LinkedIn: Heather Holmes Lumiant About Heather Holmes:  Heather Holmes is the Founder and CEO of Genivity (acquired by Lumiant), an innovative WealthTech SaaS platform at the nexus of health and wealth for financial planning and wealth management strategies.

At age 73, you’re required to withdraw roughly 3.8% from your retirement account yearly. But did you know that proper planning can convert these withdrawals into tax-free money for your kids? In this installment we continue our How To Protect Your Loved Ones series by exploring strategic ways to make your IRA work harder for your heirs, covering essential strategies like RMD rescue plans, Roth conversions, and charitable giving. Gain deep insights into how these approaches can not only minimize taxes but also significantly grow your wealth for future generations.  Terry Wheeler, CFP® discusses:  Understanding RMDs and rescue strategies Roth conversions explained for tax efficiency Charitable strategies for multi-generational wealth Tailoring estate plans based on individual client scenarios And more Resource: Custom Life Expectancy Assessment  Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

How can you secure your family’s future beyond a simple will? Terry Wheeler delves into advanced estate planning, unveiling essential strategies to assist your loved ones before and after you have passed away. He navigates the complexities of California law, highlights the critical distinctions between wills and trusts, and offers an in-depth guide to crafting a comprehensive estate plan that stands the test of time. Terry touches on:  Differences between revocable and irrevocable trusts The importance of avoiding probate and understanding the probate process Detailed strategies for protecting your estate from taxes Unique protections like bloodline and remarriage protections And more Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

Conversations about the stock market can get chaotic quickly – especially because these past few years have tested even the most steadfast investors.  Has volatility and uncertainty become the new norm? How can you plan for a future that could change on a dime? Terry Wheeler dispenses pearls of wisdom with a steady hand, offering time-tested advice on how to navigate the stock market and its fluctuations. Learn reasons behind major market movements, how investors can strategize to thrive amidst volatility, and the benefits of defined outcome investing. This episode is designed to empower investors with investment knowledge to manage risks and seize opportunities. Highlights from today’s show include”  Understanding market cycles and their impact on investments Debunking the myth of market timing and its feasibility The principles of “defined outcome investing” for managing risk Incorporating defensive maneuvers in investment portfolios for smoother financial sailing And more Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Facebook: WE Alliance Wealth Advisors, Inc YouTube: WE Alliance Wealth Advisors, Inc Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

Social Security was introduced in 1935 as a safety net for those few precious years post-retirement when life expectancy hovered around 61-65 years. In today’s era of extended lifespans, retirement stretches out into vast expanses of time, potentially spanning decades. Yet, amidst this horizon of possibility, the pressing questions that loom in many minds are: ‘Will my financial resources endure?’ and ‘Can I truly rely on Social Security to safeguard my future?'” Join Terry Wheeler, CFP® and host of WE Money Talk, as he tackles Social Security concerns head-on. Explore its future stability, benefit-maximizing strategies, and practical tips for retirement planning. From its origins to navigating demographic shifts, Terry provides straightforward advice for optimizing your Social Security benefits. Key highlights include:  The evolution of Social Security and its impact on retirement planning How demographic trends influence Social Security’s financial health Techniques to optimize your benefits based on life expectancy and financial resources The role of alternative income streams, including private pensions And more Resources: Why Longevity MATTERS In Building Your Financial Plans For Retirement (Your Money SHOULD OutLive You) (Ep. 3) Fact or Fear? The Real Costs of Long-Term Care (Ep. 7) Social Security Optimization Analysis  Custom Longevity Report  Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

Are you ready to uncover the truths and myths about long-term care and its implications for your financial future?  Terry Wheeler dives deep into the complexities and concerns surrounding long-term care (LTC). From dismantling common myths to exploring the real costs and solutions, Terry offers valuable insights and strategies to make informed decisions. Listen as he discusses the various phases of long-term care, from in-home assistance to skilled nursing facilities, emphasizing the importance of preparation and personalized financial planning to secure a worry-free retirement.   Terry discusses:  Understanding the real costs and coverage of long-term care Debunking common myths surrounding LTC and its necessity The impact of family dynamics on long-term care planning Exploring the different types of long-term care solutions and how to choose the right one And more Resource: Custom Longevity Report: HALO Health & Longevity Optimizer Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

Are bonds your only fixed-income option?  In today’s episode of WE Money Talk, Terry Wheeler and his guest Matt Williams open the vault of fixed-income options going way beyond traditional bonds. From index crediting strategies to real estate lending and distressed debt opportunities, they discuss the importance of diversification and understanding risk tolerance in building a well-rounded fixed-income portfolio.  Tune in for an insightful discussion that could reshape your investment approach! Key takeaways include: The importance of understanding fixed-income alternatives beyond bonds The benefits of incorporating index crediting strategies into investment portfolios How real estate lending be considered a potential fixed-income approach The significance of diversification in creating a balanced fixed-income portfolio And more Resources: Irrational Exuberance by Rober Shiller Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Connect with Matt Wiliams: LinkedIn: Matt Williams About Matt Williams:  Matt Williams is a second-generation real estate broker and grew up in the real estate business. He has been involved in all aspects of real estate from buying, selling, and remodeling houses and condos all over California, as well as being a landlord. He specializes in underwriting and determining the value of different real estate asset classes. With over two decades of experience, his extensive knowledge of real estate, and construction, and his ability to research properties and locations have proven to be a valuable addition to WE Institutional.  Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

Inflation has the same effect as taxes, and the US government knows this. They play a game with inflation to effectively tax people, and they do it in a way that relates to the national deficit. Join host Terry Wheeler, CFP®, and Gabe Rodriguez, Investment Advisor at WE Alliance Wealth Advisors, Inc., as they delve into the impact of inflation on consumer purchasing power, the government’s influence on rising costs and currency value, and draw parallels between inflation and higher taxes. Learn how you can combat the silent tax of inflation as Terry and Gabe explore: Strategies for your investments including indexing and cryptocurrency  The adoption of Bitcoin as a common currency in other countries Bond alternatives such as an inflation-adjusted treasury   Examples of inflation hedges like real estate, indexed bonds, and certain stocks Reasons why inflation occurs and predictions for future retirees And more Resources: The Rise and Fall of the Dollar  Gabe’s Grandma celebrating her 104th birthday  Creative Tax Planning Strategies to Retain More of Your Wealth (Ep. 4) Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Connect with Gabe Rodriguez: WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Gabe Rodriguez About Gabriel Rodriguez:  Gabriel Rodriguez is a registered investment advisor representative. He holds a Bachelor of Arts degree in Economics from San Diego State University. Gabriel has become an integral part of the customer service relations team, focusing on day-to-day operations and back-end support for investors.   Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

It’s not what you make, but what you keep that matters. That’s exactly what tax planning is about — keeping more of your hard-earned wealth! However, you need to be proactive about it. To learn how, listen to this informative podcast where Terry Wheeler, JD, CFP®, unravels the intricacies of tax planning. He shares a host of tax-saving strategies (both simple and advanced) to help you grow your wealth efficiently — so you can improve your retirement and give more to future generations. Terry discusses:  Tax implications of various investment categories and retirement accounts How Roth conversions and 529 plans work (with caveats to keep in mind) How to use life insurance strategically in tax planning and wealth transfer Creative ways for business owners to reduce their taxes And more Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

How long will you live?  You might be lucky enough to reach your 90s, so what do you need to do now to make sure that your retirement savings last your lifetime? Join Terry Wheeler as he dives into the concerns of longevity, the importance of long-term planning, and how changing retirement income sources impact retirement planning.  He also examines the impact of market fluctuations on retirement portfolios, highlighting the critical importance of implementing defensive strategies. Terry discusses:  What strategies can be employed to address longevity risk When is it important to understand longevity and the quality of years in retirement How does market volatility impact retirement savings What are volatility buffers, and how can they protect against market downturns And more Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

What does your first meeting with WE Alliance Wealth Advisors look like? Listen in as Terry Wheeler walks you through the initial meeting experience and sheds light on the integral role it plays in shaping a successful financial journey. Gain insights into the revolutionary Retirement 360 Optimizer, an innovative tool designed to navigate the multifaceted nature of financial planning, ensuring that clients receive comprehensive and tailored guidance. Terry discusses:  Why is it important for advisors to create a positive working relationship with clients How his team helps clients feel comfortable and at ease Common fears and stresses clients face related to retirement The importance of a thorough and personalized initial meeting process And more Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

Welcome to We Money Talk with your host, Terry Wheeler, CEO at WE Alliance Wealth Advisors, Inc. For his inaugural episode, Terry tells stories of how at 15, he lied about his age so he could get a job and earn money, how he got his start as a stockbroker and financial advisor, and to whom he credits for his strong work ethic. Get to know Terry as he discusses: His background and expertise in retirement planning and building wealth The importance of education at any age or stage of life His team members and how his firm strives to advocate for their clients Life as a father of five and how he intertwines his life with their passions And more Connect with Terry Wheeler:  WE Alliance Wealth Advisors 1-800-355-8174 [email protected] LinkedIn: Terry Wheeler Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.  The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.