Keep What's Yours

Tax season 2026 is officially in the books—but what did it actually mean for your wallet? In this episode of Keep What’s Yours, Jeff Zufall and Josh Gilbert break down why many Americans saw larger refunds this year, including the impact of new tax laws, deductions on vehicle interest, and the surprising rollout of “no tax on overtime and tips.” They also explain what to do if you filed an extension, how IRS payment rules are rapidly going digital, and—most importantly—how to start planning now to reduce your tax bill for next year. If you want to stop overpaying and start using the tax code to your advantage, this episode is your roadmap. If you’re searching for tax tips, IRS rules, small business tax advice, or strategies to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

Are tax refunds higher in 2026? What does the new tax law mean for your return? In this episode of Keep What’s Yours, tax strategist Jeff Zufall explains the impact of the 2025 “Big Beautiful Bill,” including increased standard deductions, senior tax credits, and major Missouri tax changes like eliminating taxes on Social Security and capital gains. Learn how to avoid IRS penalties, file extensions correctly, and maximize deductions and credits—including vehicle interest deductions and state tax credit strategies. Plus, we break down Missouri’s proposed plan to eliminate state income tax and replace it with higher sales taxes—what it means for you, your business, and your future tax bill. If you’re searching for tax tips, IRS rules, small business tax advice, or strategies to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

As tax season hits full throttle, this episode of Keep What’s Yours breaks down what’s really happening behind the scenes—from IRS processing issues and new tax law changes to the critical truth about filing extensions (hint: you still have to pay). Jeff Zufall and Josh Gilbert also dive into timely financial topics, including rising inflation pressures, Fed rate decisions, and what global events could mean for your wallet. Plus, they uncover common tax-saving strategies many people miss—like HSAs, overtime tax nuances, and crypto reporting—and discuss the alarming trend of Americans tapping into their 401(k)s just to stay afloat. Packed with practical advice and real-world insights, this episode helps you navigate both your taxes and today’s uncertain economic landscape with confidence. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

In this episode of Keep What’s Yours, Jeff Zufall breaks down the biggest 2026 tax season updates and what they mean for everyday taxpayers, retirees, workers, and investors. The conversation covers the new tax code, tax planning strategies, no tax on tips, no tax on overtime, senior tax deductions, Missouri capital gains tax changes, Social Security tax rules, crypto tax reporting, 1099 forms, eBay and side hustle income, auto loan interest deductions, and how to avoid costly filing mistakes. Packed with timely tax advice, retirement planning insight, and practical examples, this episode is a helpful guide for anyone looking to lower their tax bill, understand new IRS rules, and make smarter financial decisions before next tax season. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

Average tax refunds are up 11% so far this season—but what does that really mean for your 2026 tax bill? In this episode of Keep What’s Yours, Jeff Zufall, Senior Tax Strategist and Wealth Advisor, breaks down the latest IRS refund data and explains how the new “Big Beautiful Bill,” retirement account rules, and overlooked tax strategies could impact your finances. Learn how to avoid filing with incorrect 1099s, maximize HSA tax advantages, use 529 plans effectively, reduce taxes with charitable RMD strategies, understand Roth IRA and Secure Act 2.0 changes, and take advantage of new vehicle interest deductions. If you're looking for expert tax planning tips, retirement tax strategies, and ways to legally lower your income taxes, this episode delivers actionable insights to help you keep more of your money. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

Interest rates, inflation, and tax law changes are colliding—and this episode of Keep What’s Yours helps you make sense of it all. Tax strategist and wealth advisor Jeff Zufall joins host Josh Gilbert to break down the Federal Reserve’s latest decision to hold interest rates steady, what a newly announced Fed chair could mean for the economy, and why cutting rates too fast could reignite inflation. The discussion dives deep into 2026 tax season challenges, including required minimum distributions (RMDs), why nearly one-third of retirees miss them, and how to avoid costly IRS penalties. Jeff also explains the latest updates on no tax on overtime, no tax on tips, IRS staffing issues, and why TikTok tax advice can be dangerous. If you’re worried about taxes, retirement planning, inflation, or keeping more of your money, this episode delivers clear answers and practical guidance. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

The 2026 tax filing season has begun, and major tax changes are already impacting millions of Americans. In this episode of Keep What’s Yours, host Josh Gilbert and senior tax strategist Jeff Zufall explain everything you need to know about crypto taxes, the new IRS Form 1099-DA for digital assets, and why filing your taxes too early could trigger audits, penalties, or amended returns. They also discuss IRS staffing shortages, delayed refunds and correspondence, higher standard deductions, and why refunds may be larger this year. Plus, the show breaks down Missouri’s proposal to eliminate the state income tax—and how it could lead to significantly higher sales taxes instead. If you’re searching for guidance on IRS rules, crypto tax reporting, capital gains, tax refunds, or state tax changes, this episode delivers clear, expert insights to help you legally keep more of your money. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

Tax season is here, and the rules have changed. In this episode of Keep What’s Yours, host Josh Gilbert and senior tax strategist Jeff Zufall explain what taxpayers need to know for the 2026 filing season, including the first day to e-file, how the IRS is using AI, and why digital recordkeeping is more important than ever. Jeff breaks down key provisions of the new tax law, including gift and estate tax rules, vehicle interest deductions, and strategies to legally reduce your tax bill. Listeners will also learn how long to keep personal and business tax records, the right and wrong ways to access 401(k) funds without penalties, and what Missouri’s proposed elimination of state income tax could mean for residents. This episode is essential listening for individuals, retirees, and small business owners looking to file smarter, avoid IRS headaches, and keep more of their hard-earned money. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

The new federal tax law—dubbed the “Big, Beautiful Bill”—is officially in place, and it’s already reshaping how Americans file, plan, and pay taxes. In this episode of Keep What’s Yours, host Josh Gilbert and senior tax strategist Jeff Zufall explain what’s changed in the 2026 tax code, which Trump-era tax provisions are now permanent, and which deductions and credits could expire after 2028. They discuss why this tax season may be more complicated than ever, how IRS staffing cuts and new filing rules could affect refunds, and what taxpayers should do now to avoid costly mistakes. The conversation also covers smart tax planning strategies, Roth conversion pitfalls, coordinating wealth and tax advice, and Missouri’s gas tax rebate program. If you want practical tax advice, retirement planning insights, and strategies to legally reduce your tax bill, this episode is a must-listen. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

In this timely episode of Keep What’s Yours, host Josh Gilbert sits down with senior tax strategist Jeff Zufall to break down what the new year really means for taxpayers under the newly finalized “big, beautiful” tax bill. From what year-end moves are already off the table to the few planning opportunities that still remain, Jeff explains key changes affecting retirement contributions, IRA deadlines, IRS filing timelines, new vehicle deductions, gambling income rules, and why proper payroll planning now can mean thousands more kept later. The conversation also dives into IRS transparency reforms, interest rate cuts, and how proactive, year-round tax planning—not last-minute filing—creates a lasting advantage for individuals and small business owners alike. If you want to understand what changed, what stayed permanent, and how to start 2026 on the right financial footing, this episode is essential listening. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

In this edition of Keep What’s Yours, Josh Gilbert and senior tax strategist Jeff Zufall break down the critical moves listeners should make before December 31 to reduce their tax burden and strengthen their retirement outlook. Jeff explains how strategic planning—whether it’s maxing out your 401(k), evaluating Roth conversions, navigating RMDs, or preparing for Medicare’s income-related surprises—can save thousands over time. With clear examples, real client stories, and practical guidance for every stage of life, this episode shows why proper tax planning isn’t just smart, it’s essential if you want to keep more of what you’ve earned. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

In this episode of Keep What’s Yours, Josh Gilbert and Senior Tax Strategist Jeff Zufall break down the sweeping changes in the “Big Beautiful Bill,” the newly updated tax code reshaping how individuals and small businesses should plan for 2025 and beyond. Jeff explains why filing your taxes once a year is no longer enough—and how year-round strategic tax planning can save you thousands. From new deductions (like the $10,000 vehicle interest write-off) to disappearing credits (goodbye electric-vehicle incentives), Jeff highlights what’s ending on December 31st, what’s newly permanent, and what opportunities most taxpayers are missing. They also cover HVAC and appliance rebates, charitable contribution restorations, the surge in tariffs—and even the possibility of “Trump checks.” Whether you're preparing for retirement, considering Roth conversions, or navigating inflation and market uncertainty, this episode gives you the practical, timely insights you need to truly keep what’s yours. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

In this lively and insight-packed episode of Keep What’s Yours, Josh Gilbert and senior tax strategist Jeff Zufall break down the biggest financial stories shaping your wallet—from the end of the longest government shutdown in history to fresh IRS enforcement, the death of the penny, and the future of direct-file tax returns. Jeff explains the new Secure Act 2.0 catch-up contribution rules, why 2025 is the last year many high earners can shelter extra 401(k) contributions pre-tax, and how required Roth treatment is about to change retirement planning. They dive into crypto reporting, tariff-driven inflation, and what a rumored $2,000 “tariff check” might really mean. Finally, Jeff outlines smart, actionable year-end tax strategies you can still take advantage of—plus the one simple mistake that could accidentally leave your money to the wrong person. A must-listen for anyone who wants to keep more of what they earn and start 2026 financially strong. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

In this episode of Keep What’s Yours, Josh Gilbert and senior tax strategist Jeff Zufall dive into the real-world financial questions that everyone faces — from catching up on retirement savings if you started late, to navigating inflation, layoffs, and the brand-new “Big Beautiful Bill” tax code. Jeff breaks down practical ways to budget smarter, make the most of 401(k) catch-up provisions, and understand how new laws like the vehicle loan interest deduction could save you thousands. It’s an engaging, down-to-earth conversation about building financial freedom, minimizing taxes, and setting yourself up for a stress-free retirement — no matter where you’re starting from. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Join Josh Gilbert and tax strategist Jeff Zufall as they tackle the chaos of tax season 2025! With the IRS government shutdown threatening to delay filing until late February, learn how the "big beautiful bill" signed on July 4th is reshaping everything from tip taxation to overtime pay. Discover why 31% of small businesses are raising prices, how to avoid the self-employment tax trap that catches entrepreneurs off guard, and why "Bitcoin Jesus" just paid $49.9 million to settle with the IRS. Jeff breaks down the critical difference between entity structures, explains why your employer—not you—controls your no-tax-on-tips benefit, and reveals smart strategies for Roth conversions and year-end planning. Whether you're a small business owner, tip-earning employee, or crypto investor, this episode delivers actionable advice to help you legally keep more of what's yours before December 31st. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Join tax strategist Jeff Zufall and host Josh Gilbert as they break down critical tax changes for 2025, including the IRS's shift to all-digital payments (no more paper checks!), the new overtime tax exemption from the "Big Beautiful Bill" (up to $12,500 tax-free for eligible workers), and essential year-end planning strategies. Learn about tax lot trading to offset capital gains, the complexities of the new senior standard deduction, and why the government shutdown could delay tax season until President's Day. Whether you're maximizing your 401(k) contributions, navigating the modified adjusted gross income maze, or simply trying to keep more of what you earn, this episode delivers actionable advice before December 31st. Perfect timing for anyone looking to minimize their 2025 tax bill through smart planning in these final three months of the year. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

This week, Josh Gilbert and Jeff Zufall dive into the latest tax developments, including the "Big Beautiful Bill's" new charitable deduction allowances ($1,000 single/$2,000 married filing jointly), the record-breaking $530 billion in capital gains revenue flooding the Treasury, and strategic timing considerations for asset sales to avoid higher tax brackets. They explore Required Minimum Distribution (RMD) planning for retirees, covering qualified charitable distributions, tax withholding strategies, and qualified longevity annuities as ways to minimize tax impact. The discussion also covers 1031 exchanges for real estate investors, the importance of coordinating investment and tax strategies, and the IRS's upcoming transition away from paper checks starting October 1st, emphasizing the value of having both wealth management and tax expertise under one roof. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Host Josh Gilbert and tax strategist Jeff Zufall break down the Federal Reserve's quarter-point interest rate cut and what it means for your mortgage, credit cards, and investment strategy, with signals of more cuts coming before year-end. The duo dives deep into Required Minimum Distributions (RMDs), explaining how these mandatory withdrawals from tax-deferred accounts like 401(k)s and IRAs work starting at age 73, including smart strategies like using charitable donations from your RMD to avoid taxes entirely. They also explore the new "Big Beautiful Bill" tax code changes already in effect for 2025, highlighting the restored above-the-line charitable deduction of $1,000 for singles and $2,000 for married couples filing jointly. Plus, they discuss the IRS's shift away from paper checks starting September 30th and how tariffs may impact the economy through the fourth quarter, all while emphasizing practical ways to legally minimize your tax burden and keep more of what's yours. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

In this episode of Keep What's Yours, tax strategist Jeff Zufall and host Josh Gilbert dive into the latest tax code changes from the recently passed "Big Beautiful Bill" (Trump Tax Bill 2.0), including the expansion of 529 plan withdrawals from $10,000 to $20,000 for private school tuition and new charitable deduction allowances of $1,000 for singles and $2,000 for married couples filing jointly. They also analyze current economic conditions, discussing inflation numbers at 2.9%, the Federal Reserve's upcoming meeting with expected interest rate cuts, and recently revised job numbers showing the economy was overstated by over 1.5 million jobs in 2024. The conversation covers Missouri's personal property tax quirks (why jet skis and trailers are taxed but golf carts aren't), tariff impacts on inflation, and practical advice on maximizing tax savings through 529 plans and charitable giving strategies that take effect retroactively for the entire 2025 tax year. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

In this episode of Keep What's Yours, tax strategist Jeff Zufall and host Josh Gilbert break down the major changes from the recently passed tax legislation they call the "Big Beautiful Bill." They explore the new no-tax-on-tips provision that covers 68 specific occupations - from bartenders to plumbers - with income limits and a $25,000 tip cap. The duo also reveals a significant blow to gamblers: a new rule limiting gambling loss deductions to just 90% of winnings, meaning even heavy losers will now pay taxes on 10% of any wins. Jeff shares real-world stories from helping lottery winners and house prize winners navigate complex tax obligations, including creative loan structures to handle immediate tax burdens. With one in ten Americans now technically millionaires (counting retirement and home equity), they discuss what wealth really means today and debate the age-old lottery question: lump sum or annuity? As sports betting becomes legal in Missouri this December, the timing couldn't be more relevant for understanding these new gambling tax implications. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

In this episode of "Keep What's Yours," tax strategist Jeff Zufall and host Josh Gilbert dive deep into the newly enacted tax legislation (dubbed "the big beautiful bill") that's already affecting 2025 taxes, plus Jerome Powell's recent signals about upcoming interest rate cuts. Jeff breaks down game-changing provisions including increased child tax credits ($2,200 per child, potentially rising to $3,000), a massive jump in the SALT deduction cap from $10,000 to $40,000, tax-free tips and overtime pay up to $25,000, charitable deductions for non-itemizers, auto loan interest deductions, expanded 529 plan withdrawals for private school, and a new senior deduction worth $6,000-$12,000. While navigating the complexities of tariff-driven inflation and Fed policy, the hosts emphasize that regardless of political views, these are real opportunities to keep more money in your pocket—but only if you understand the guardrails, income thresholds, and sunset provisions that come with each benefit. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Tax Season Chaos: IRS Leadership Crisis & Your 2025 Tax Strategy Join Josh Gilbert and senior tax strategist Jeff Zufall as they break down the unprecedented chaos brewing for the 2025 tax season. With the IRS experiencing its eighth leadership change this year and two-thirds of senior positions vacant, coupled with new tax laws from the "Big Beautiful Bill," taxpayers face potential filing nightmares ahead. Jeff reveals money-saving strategies including property tax freezes for seniors, new car tax credits, Missouri gas tax rebates, and how to turn investment losses into tax advantages. Plus, they explore the controversial addition of private assets to 401(k)s and discuss what happens when companies like Eastman Kodak go under. Don't miss critical insights on Fed rate cuts, upcoming child tax credit increases, and why having your tax strategist double as your wealth advisor could save you thousands. Call Jeff at (636) 394-5524 to ensure you're not paying more taxes than legally required. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Car Tax Credits, SALT Deductions, and the BLS Shake-Up In this episode of "Keep What's Yours," tax strategist Jeff Zufall and host Josh Gilbert dive deep into the sweeping changes from the new tax legislation that's already impacting your 2025 taxes. Discover how you could claim up to $10,000 in car loan interest deductions if you bought a U.S.-made vehicle this year, learn about the expanded SALT deduction cap that jumped from $10,000 to $40,000 (potentially affecting 100 million Americans), and get the inside scoop on why Trump fired the Bureau of Labor Statistics chief over concerning job numbers. From the ongoing tariff effects and Fed interest rate speculation to seniors getting an additional $6,000 standard deduction, Jeff breaks down the complex moving parts of tax policy in plain English. Whether you're planning retirement, bought a new car, or just want to keep more money in your pocket, this episode reveals the tax strategies and credits you need to know about right now. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Tax Law Changes You Can't Afford to Miss: Missouri Drops Capital Gains & The Big Beautiful Bill Breakdown Join Josh Gilbert and tax strategist Jeff Zufall as they break down the major tax changes happening right now that could save you thousands. Discover how Missouri has eliminated state capital gains taxes and what the "Big Beautiful Bill" means for your wallet - with some provisions retroactive to January 2025, you're already running out of time to take advantage. They also explore the Fed's latest rate decisions, explain life insurance as an investment asset, and discuss smart strategies for diversifying across taxable, tax-deferred, and tax-free buckets. Whether you're planning for retirement, managing investments, or just trying to keep more of what you earn, this episode reveals actionable tax-saving opportunities you won't want to miss. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Fed Drama, Tax Buckets, and Your $10K Investment Options: A Complete Money Makeover Guide Join Josh Gilbert and senior tax strategist Jeff Zufall for an entertaining dive into the current financial soap opera between Trump and Fed Chair Jerome Powell over interest rates, plus a practical breakdown of investment options for your spare cash. From explaining the three essential tax buckets (taxable, tax-deferred, and tax-free) to exploring what to do with $10,000 burning a hole in your pocket, this episode covers everything from individual stocks and mutual funds to CDs, money markets, and the hidden dangers of expired savings bonds. Jeff emphasizes why having one person handle both your wealth management and tax strategy is crucial, while Josh brings his signature humor to complex financial concepts, making this essential listening for anyone wanting to beat inflation and keep more of what they earn. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

The Big Beautiful Bill Deep Dive: IRS Cuts, Tax Traps, and Your Money's Future In this comprehensive episode of "Keep What's Yours," host Josh Gilbert and senior tax strategist Jeff Zufall break down the massive tax legislation known as the "Big Beautiful Bill" and its real-world impact on everyday taxpayers. They explore crucial topics including dividend taxation, inheritance rules, and the surprising tax implications of reinvested dividends that catch many investors off guard. The discussion takes a timely turn as they analyze the recent IRS staffing cuts under new director Billy Long, revealing how departments have been slashed by up to 95% and what this means for next year's tax season. From payment processing glitches affecting thousands of taxpayers to the Federal Reserve drama with Jerome Powell, Jeff provides insider knowledge on navigating an increasingly complex tax landscape. The episode also covers estate planning pitfalls, the step-up basis advantage for inherited assets, and even reveals bizarre Medicare loopholes involving Rolex watches. Whether you're dealing with dividend income, planning your estate, or simply trying to minimize your tax burden, this episode delivers actionable strategies to help you keep more of what you earn while avoiding costly mistakes in an era of reduced IRS customer service. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

The Big Beautiful Bill: New Tax Laws That Could Save You Thousands in 2025 In this episode of Keep What's Yours, tax strategist Jeff Zufall breaks down the massive new tax legislation signed by President Trump on July 4th, 2025, revealing game-changing opportunities for taxpayers. From tax-free tips up to $25,000 and overtime deductions capped at $12,500 per person, to auto loan interest deductions on American-made vehicles and enhanced standard deductions, this "big beautiful bill" contains provisions that could dramatically reduce your tax burden. Jeff explains how these changes apply retroactively to January 2025, meaning you could benefit from strategies implemented right now, while also covering critical updates like the IRS eliminating paper checks starting September 30th and the upcoming expiration of EV credits and home energy improvement deductions. Whether you're planning retirement, dealing with inherited IRAs, or simply want to keep more money in your pocket, this episode provides essential insights into navigating the new tax landscape and maximizing your savings before key provisions sunset in 2028. Call Jeff at Capital Advisory Group at 636-394-5524 and learn how you too can “Keep What’s Yours.

Maximize Your Paycheck: Tax Strategies, Market Updates, and the New IRS Leadership Join Josh Gilbert and senior tax strategist Jeff Zufall as they break down practical ways to reduce your tax burden and boost your retirement savings. From maximizing 401(k) contributions and understanding progressive tax brackets to navigating the new "super catch-up" provision for ages 60-63, this episode provides actionable strategies you can implement on every paycheck. They also discuss the latest developments with new IRS Commissioner Billy Long, Fed interest rate decisions under Jerome Powell, and how recent market volatility from tariff concerns and Middle East tensions affects your investment strategy. Whether you're looking to optimize your current tax situation or planning for retirement, this show offers concrete steps to keep more of what you earn while building long-term wealth. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

IRS Budget Cuts, and Your Retirement Buckets: Essential Tax & Financial Planning Updates Join hosts Josh Gilbert and tax strategy expert Jeff Zufall at Capital Advisory Group as they discuss the latest developments affecting your finances. From Jeff's recent office move to Clarkson Road to breaking down the IRS's proposed 37% budget cut and 20% workforce reduction for 2026, this episode covers what these changes mean for taxpayers. Learn about new hardship withdrawal rules allowing penalty-free access to $1,000 from retirement accounts, student loan forgiveness tax implications, and how AI is revolutionizing tax enforcement. The duo dives deep into retirement planning strategy, explaining the three essential "buckets" for your money: taxable accounts, tax-deferred accounts (401k/IRA), and tax-free accounts (Roth), plus the critical balance between safety, liquidity, and growth in your investment approach. Whether you're 43 and planning for the future or approaching retirement, discover actionable strategies to legally minimize your tax burden and maximize your wealth accumulation. Don't let Uncle Sam keep more of what's yours – call Jeff at Capital Advisory Group at 636-394-5524 and turn tax planning into your retirement advantage!

The Big Beautiful Bill: Tax Changes Coming Your Way and What You Need to Know Tax strategist Jeff Zufall and Josh Gilbert break down the latest developments that could dramatically impact your finances, from encouraging CPI numbers showing inflation cooling to the massive "big beautiful bill" working its way through Congress. Discover what's really in this legislation - including potential elimination of taxes on Social Security, increased child tax credits, and changes to capital gains rates - and why even Elon Musk is calling parts of it an "abomination." Jeff explains why the bond market has experts like Jamie Dimon worried about cracks forming due to mounting national debt, shares crucial advice for anyone considering retirement (spoiler: most people spend more time planning vacations than their retirement), and reveals why that IRS department handling deceased person tax returns was mysteriously shut down and recently reopened. Whether you're dealing with estate issues, planning for retirement, or just want to understand how upcoming tax changes could affect your bottom line, this episode delivers practical insights you can use today - because as Jeff says, the goal is always to "keep what's yours." Call Jeff at Capital Advisory Group at 636-394-5524 and learn how you can “Keep What’s Yours.”

Tax season never ends when it comes to smart retirement planning – and "Keep What's Yours" with Josh Gilbert and senior tax strategist Jeff Zufall is your guide through the maze! Discover the critical tax moves you need to make NOW before it's too late, including how catch-up contributions at 49½ and the new "super catch-up" provisions for ages 60-63 can slash your current tax bill while supercharging your retirement savings. Jeff exposes the tax time bomb waiting for most retirees: how your diligent saving could actually push you into HIGHER tax brackets in retirement when Required Minimum Distributions kick in, potentially making 85% of your Social Security taxable. Learn why the pre-tax vs. Roth conversion strategy isn't just about today's tax bracket – it's about outsmarting the IRS decades down the road. With the tax code facing massive changes in 2026 and the IRS in complete chaos (losing a third of their workforce and billions in funding), you can't afford to wait for "someday" to optimize your tax strategy. From understanding why your paycheck might mysteriously increase (and why that's actually BAD news) to timing strategic Roth conversions during low-income years, this episode reveals the tax planning secrets that could save you tens of thousands in retirement. Don't let Uncle Sam keep more of what's yours – call Jeff at Capital Advisory Group at 636-394-5524 and turn tax planning into your retirement advantage!

"Big Beautiful Bill" Promises Tax Relief: Inside the Massive Tax Overhaul That Could Reshape Your 2026 Return "Keep What's Yours" is hosted by Josh Gilbert and Jeff Zufall, senior tax strategist and wealth advisor. Today they discuss the "Big Beautiful Bill," a 1,000-page tax legislation that narrowly passed the House and heads to the Senate, featuring key provisions like increasing child tax credits from $2,000 to $2,500, eliminating taxes on up to $25,000 in declared tips for lower earners, providing $10,000 deductions for American car loan interest, offering $1,000 "Trump Account" credits for children's savings, and raising the state/local tax (SALT) deduction cap from $10,000 to $40,000. The show also covered Moody's downgrade of the US credit rating from AAA to AA+ due to fiscal concerns (with 23% of GDP going to debt interest payments), tornado relief for Missouri and Illinois disaster areas allowing tax deductions for uninsured losses, and ongoing tariff discussions. While the legislation wouldn't take effect until January 2026, its Senate passage remains uncertain due to opposition from senators like Josh Hawley who want higher child tax credits, and the bill could face significant modifications or be killed entirely. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours" is a podcast hosted by Josh Gilbert and Jeff Zufall, a senior tax strategist and wealth advisor with Capital Advisory Group. The show delves into various aspects of tax strategy and wealth management, offering insights into how individuals can navigate the complexities of the tax code to maximize their financial benefits. In this episode, Jeff discusses the implications of recent Federal Reserve decisions, the differences between W2 employees and contract workers, and strategies for managing tax liabilities. The conversation also touches on potential changes in tax legislation, including proposals for taxing the wealthy and simplifying tax filing for individuals with straightforward financial situations. Jeff emphasizes the importance of proactive tax planning and offers his expertise to help listeners optimize their financial strategies. For personalized advice, listeners are encouraged to contact Jeff at Capital Advisory Group. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Keep What's Yours with Jeff Zufall is a podcast focused on tax strategies and wealth management. Hosted by Josh Gilbert and featuring Jeff Zufall, Senior Tax Strategist and Wealth Advisor at Capital Advisory Group, the show covers a range of topics including tax extensions, refunds, and the importance of consulting a tax advisor. The latest episode discusses the complexities of the tax system, the potential future of tax filing, and the impact of tariffs on the economy. Jeff provides insights on how to manage taxes efficiently, both during the accumulation phase of working life and the distribution phase in retirement. The show emphasizes the importance of proactive tax planning to minimize liabilities and maximize savings. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours" is a podcast hosted by Jeff Zufall, the senior tax strategist and wealth advisor, focusing on tax season insights and financial advice. In this episode, Jeff and co-host Josh Gilbert discuss the conclusion of the first phase of tax season and the beginning of the extension and cleanup phase. They emphasize the importance of making estimated tax payments even if an extension is filed. The conversation covers the logistics of making tax payments online, the impact of tax law changes, and the benefits of adjusting withholdings to avoid owing taxes. They also touch on the IRS's revolving leadership, layoffs, and the discontinuation of the free file program. Additionally, they discuss the rising value of gold amid market turmoil and the implications of Social Security overpayments. The episode concludes with advice on tax-efficient retirement planning and the importance of consulting a tax advisor to optimize financial strategies. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours" is a podcast hosted by Jeff Zufall and Josh Gilbert, focusing on tax strategies and financial advice. In this episode, Jeff, the senior tax strategist and wealth advisor at Capital Advisory Group, discusses the importance of timely tax filing and the meticulous process involved in reviewing and finalizing tax returns. He emphasizes the need for multiple reviews to catch errors and optimize tax savings. The conversation also covers the impact of tariffs on consumer prices, the potential for inflation, and the importance of understanding paycheck withholdings to avoid unexpected tax bills. Jeff advises listeners to regularly check their paycheck stubs and consult with a tax professional to ensure accurate withholdings and maximize financial benefits. The episode concludes with a discussion on market corrections, the role of the Federal Reserve, and the importance of maintaining a long-term investment strategy despite market volatility. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

2025-03-22 Keep What’s Yours by Jeff Zufall

In this episode of "Keep What's Yours", hosts Josh Gilbert and senior tax strategist Jeff Zufall discuss the 2024 tax season, highlighting the lack of significant tax revisions and the alarming rise in crypto theft. Jeff explains the challenges of dealing with stolen digital assets, emphasizing that such losses cannot be written off as capital or casualty losses. They also touch on the complexities of cryptocurrency transactions and the importance of dealing with reputable companies to avoid scams. The conversation shifts to the IRS's current challenges, including staffing issues and the impact of recent hiring freezes. Jeff advises listeners on the importance of accurately reporting digital asset transactions and the potential consequences of failing to do so. The episode concludes with practical advice for taxpayers, stressing the importance of timely tax payments and the benefits of professional tax assistance. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours” with Jeff Zufall" is a podcast hosted by Jeff Zufall, the senior tax strategist and wealth advisor with Capital Advisory Group and Josh Gilbert at KTRS Radio. The episode covers various tax-related topics, including the importance of timely tax filing, understanding 1099 forms, and the implications of preliminary tax documents. Jeff emphasizes the need for accurate tax reporting to avoid discrepancies with the IRS and discusses the complexities of the tax code. The conversation also touches on the impact of state and local tax caps, the benefits of professional tax assistance, and strategies for managing taxable income. Additionally, the hosts discuss the effects of inflation, interest rates, and tariffs on the economy, and the potential advantages of paying more taxes now to reduce future tax liabilities. The episode concludes with practical advice for listeners on how to navigate the tax season effectively. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours” with Jeff Zufall" is a podcast hosted by Jeff Zufall, the senior tax strategist and wealth advisor with Capital Advisory Group and Josh Gilbert at KTRS Radio. The show covers various aspects of tax preparation and financial planning, offering practical advice for managing taxes efficiently. In this episode, they discuss the importance of having all necessary tax documents before filing, the implications of preliminary 1099 forms, and the complexities of the tax code. They also touch on the benefits of professional tax services, such as identifying potential savings and ensuring compliance with IRS regulations. Additionally, the conversation explores the impact of inflation and interest rates on the economy, the strategic acceleration of income for tax benefits, and the importance of integrating tax and wealth management. The episode emphasizes the value of expert guidance in navigating the ever-changing tax landscape to maximize financial well-being. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours” with Jeff Zufall" is a podcast hosted by Jeff Zufall, the senior tax strategist and wealth advisor with Capital Advisory Group and Josh Gilbert at KTRS Radio. This episode delves into the complexities of the current tax season, highlighting the challenges and changes in tax regulations. Jeff emphasizes the importance of professional tax preparation to maximize savings and avoid costly mistakes. The discussion covers various tax-related topics, including executive orders affecting the economy, the impact of tariffs, and potential changes to tax breaks for families and education. Jeff also provides practical advice on managing required minimum distributions (RMDs) and utilizing tax credits effectively. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours” with Jeff Zufall" is a podcast hosted by Jeff Zufall, the senior tax strategist and wealth advisor with Capital Advisory Group and Josh Gilbert at KTRS Radio. This episode provides practical advice on how to minimize tax liabilities and maximize financial benefits. Key topics include the importance of understanding tax laws, the benefits of using FSAs and HSAs, the process of filing taxes, and the potential advantages of itemizing deductions versus taking the standard deduction. The hosts also discuss the implications of potential changes in tax laws, such as the SALT cap, and offer tips for small business owners. Listeners are encouraged to consult with a tax advisor to optimize their financial strategies. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours” with Jeff Zufall" is a podcast hosted by Josh Gilbert and Jeff Zu Fall, a senior tax strategist and wealth advisor with Capital Advisory Group. In this episode, they discuss various tax-related topics for the new year 2025, including the importance of not filing taxes too early to avoid missing crucial documents like 1099s, the impact of the national deficit on future tax policies, and the benefits of having a combined tax and wealth advisor. They also cover updates on tax rules for 2025, such as increased standard deductions, adjusted tax brackets, and the unchanged child tax credit. The episode emphasizes the importance of strategic tax planning and offers practical advice for individuals and small business owners to optimize their tax situations. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours" is a financial podcast hosted by Jeff Zufall, a senior tax strategist and wealth advisor with Capital Advisory Group and Josh Gilbert. In this episode, they discuss strategies for managing credit card debt, the benefits of using tax-advantaged accounts like FSAs and HSAs, and the importance of year-end tax planning. They also touch on the implications of recent rate cuts by the Federal Reserve and the potential impact on inflation and the economy. Additionally, they provide updates on the Corporate Transparency Act and the IRS's efforts to distribute unclaimed COVID-19 recovery rebates. The hosts emphasize the importance of proactive financial planning and offer practical advice for listeners to optimize their tax savings and manage their finances effectively. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours" is hosted by Josh Gilbert and Jeff Zufall, the senior tax strategist and wealth advisor at Capital Advisory Group. Today’s show covers various financial topics, including strategies for managing rising credit card bills, understanding interest rates on credit cards, and the implications of missing payments. Your hosts discuss year-end tax planning, emphasizing the importance of taking required minimum distributions (RMDs) and exploring tax loss harvesting to offset gains. The show also highlights the Corporate Transparency Act, the unified estate gift tax, and the potential penalties for not complying with tax regulations. Listeners are encouraged to consult with a tax professional to maximize their financial benefits and ensure compliance with ever changing tax laws. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours" is a weekly show hosted by Jeff Zufall, a senior tax strategist and wealth advisor with Capital Advisory Group, and Josh Gilbert. The show emphasizes the importance of year-round tax planning and financial management. In this episode, they discuss various topics including the pervasive nature of taxes, the impact of tariffs, strategies for managing debt, and the importance of maintaining a good credit score. They also touch on the significance of consistent retirement contributions and the potential pitfalls of reducing them to pay off debt. Additionally, the hosts highlight the importance of checking paycheck stubs for accurate tax withholdings and the benefits of year-end financial planning. The episode concludes with a discussion on the new IRS Commissioner appointment and the implications of the Corporate Transparency Act for LLC owners. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

On this week’s episode of "Keep What's Yours," hosted by Jeff Zufall, the senior tax strategist and wealth advisor with Capital Advisory Group, Jeff shares insights on tax loss harvesting, capital gains, and the benefits of combining tax and wealth advisory services. The discussion covers strategies for year-end tax planning, the implications of recent Fed rate cuts, and the future of Trump tax laws. The show also highlights the importance of managing Required Minimum Distributions (RMDs) for retirees to minimize tax liabilities and maximize savings. Listeners are encouraged to consult with Jeff to optimize their financial strategies and keep more of their money. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

This episode of "Keep What's Yours," hosted by Jeff Zufall, the senior tax strategist and wealth advisor with Capital Advisory Group, emphasizes the importance of having a tax advisor who is also a financial advisor to streamline financial decisions and ensure tax efficiency. Key topics discussed include the benefits of having a single point of contact for financial and tax advice, the intricacies of Roth conversions, and the impact of tax policies on personal finance. The hosts also highlight the importance of planning for retirement, especially for those nearing retirement age, and the potential changes in tax codes following political shifts. The show aims to educate listeners on how to maximize their financial health and keep more of their earnings. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

"Keep What's Yours" is a financial advice show hosted by Jeff Zufall, a senior tax strategist and wealth advisor at Capital Advisory Group. The show emphasizes the benefits of having a combined tax and financial advisor to streamline decision-making and ensure tax-efficient financial moves. Key topics include the advantages of Roth conversions, the impact of state and local tax (SALT) deductions, and the importance of strategic financial planning. The hosts also discuss recent changes in tax laws, such as the super catch-up contributions for 401(k) plans and incentives for low-income earners to save for retirement. The show aims to help listeners maximize their financial health and avoid common pitfalls. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Join Josh Gilbert and Jeff Zufall, Senior Tax Strategist and Wealth Advisor with Capital Advisory Group, as they discuss the latest updates in tax planning. The show covers new tax brackets, standard deductions, and estate tax changes for 2025. They emphasize the importance of year-end tax planning and how strategic financial decisions can help you keep more of your money. Additionally, they explore potential new legislation that could allow pet owners to use up to $1,000 from HSAs or FSAs for veterinary care. Tune in to learn how to navigate the complexities of tax laws and maximize your financial benefits.