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# Austin Wealth Management

Gain a New Perspective on Your Financial Future

## Sitemaps

- [XML Sitemap](https://austinwealthmgmt.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://austinwealthmgmt.com/blog/) - Access financial advice and insights from Austin Wealth Management in Austin, TX. Browse our resources to stay informed and reach out with any questions!
- [Trump Savings Accounts](https://austinwealthmgmt.com/trump-savings-accounts/) - The 2025 passage of the One Big Beautiful Bill Act introduced the Trump Account, a unique custodial investment tool designed to jumpstart savings for young Americans. For nearly three decades, families have relied on 529 plans as their primary vehicle for tax-efficient growth for kids; however, the arrival of Trump Accounts, also known as 530A
- [Accessing Your 2025 Tax Documents](https://austinwealthmgmt.com/accessing-your-2025-tax-documents/) - Your 2025 tax forms are available for download from Charles Schwab. If you opted to receive your tax documents by mail, they should arrive soon. How to Access Your Tax Forms Online: Charles Schwab Client Portal: Watch a video tutorial here. Visit https://client.schwab.com/Areas/Access/Login. Enter your credentials and complete any required security steps. Once logged in, click
- [What you need to know about bonds](https://austinwealthmgmt.com/what-you-need-to-know-about-bonds/) - I often joke that few people I meet have a strong understanding bonds because 1) bonds are boring and 2) bonds are complicated. ‘Boring and complicated’ don’t make for good movie scripts, book plots, or cocktail hour conversations. My objective is for you to know enough about bonds to be understand how they might be
- [I Hate(d) Insurance](https://austinwealthmgmt.com/another-post/) - “I hate insurance.” I’ve heard many clients utter these words and I can certainly empathize with them. We often hear clients describe that paying insurance premiums feels a lot like paying rent or flushing money down the commode. Most don’t expect a return on their money and feel like the insurance company has the odds
- [Is Your Life Insurance Any Good? Probably Not!](https://austinwealthmgmt.com/is-your-life-insurance-any-good-probably-not/) - Your life insurance may be overpriced or inappropriate for your current situation.
- [Buffett on Investing in Gold](https://austinwealthmgmt.com/buffet-on-investing-in-gold/) - Buffett's thoughts on the prospects of gold as an investment compared to alternatives.
- [How are the prices of stocks and bonds determined?](https://austinwealthmgmt.com/how-are-the-prices-of-stocks-and-bonds-determined/) - This is an extremely important question that requires a fundamental understanding of the relationships between companies and their investors and of risk and return. If you get a handle on these concepts, you will have a better idea for how investing works in general. I believe this should be taught in every high school. Let’s
- [Critical Questions for Baby Boomers](https://austinwealthmgmt.com/critical-questions-for-baby-boomers/) - If you have not addressed all of the following topics, please understand that many people have not. We hear far too many regrettable stories that could have been prevented with some basic planning.
- [Improved Mobile Access to Your Wealth Management System](https://austinwealthmgmt.com/mobile-wealth-management-system/) - Track your net worth, investments, spending, budget and transactions in one spot, anywhere and anytime.
- ["Creating a Will" Seminar Highlights](https://austinwealthmgmt.com/creating-a-will-seminar-highlights/) - Our "Creating a Will" seminar was well-received by those who attended. The presenter, Marty Roos of Strasburger & Price LLP, did an excellent job of providing practical education to help the audience understand important considerations when planning for your estate. Here are some of the notes that I found valuable… The changing political landscape has
- [Start Planning Now to Better Manage Your 2014 Taxes](https://austinwealthmgmt.com/start-planning-now-to-better-manage-your-2014-taxes/) - Now that tax season is over and the damage is done, what can you do for 2014 to better manage your taxes? Here are some ideas that may apply to you, in no specific order. We recommend that you consult with a tax professional before making any changes because your specific situation will determine what
- [New Electronic Hand Slapper](https://austinwealthmgmt.com/new-electronic-hand-slapper/) - Proactively manage your cash flow and avoid bank fees by setting up alerts for unusual activity, large expenses, exceeding budget limits and more.
- [What is duration, and why should I pay attention to it?](https://austinwealthmgmt.com/what-is-duration-and-why-should-i-pay-attention-to-it/) - The Federal Reserve's actions over the next year could be important to bond markets, particularly if and when the Fed decides to increase its target interest rate. Since bond prices typically move in the opposite direction from yields, rising bond yields will translate into a decline in bond prices. If you have bonds or bond
- [Top 10 Tax Breaks You'll Miss in 2014](https://austinwealthmgmt.com/top-10-tax-breaks-youll-miss-in-2014/) - You probably didn't notice, but when the clock struck midnight on December 31, 2013, a number of popular tax benefits, commonly included in the list of provisions referred to as "tax extenders" expired. While it's possible that Congress could retroactively extend some or all of these items, you'll have to evaluate your 2014 tax situation
- [Highlights from PIMCO Lunch-and-Learn](https://austinwealthmgmt.com/highlights-from-pimco-lunch-and-learn/) - We held an educational lunch seminar on June 4th, hosted by PIMCO, and the responses from those who attended have been very positive. We plan on providing more of these in the future for small groups. Here are some highlights... - Our PIMCO representative shared his firm’s views on the global economy and implications for
- [High-Frequency Trading: Unsafe at Any Speed?](https://austinwealthmgmt.com/high-frequency-trading-unsafe-at-any-speed/) - You may have heard news reports recently about the controversy on Wall Street over high-frequency trading. Though the practice isn't new, it has received fresh attention in recent months as multiple regulatory agencies have launched investigations of high-frequency trading (HFT) and HFT firms. The U.S. Department of Justice, the Securities and Exchange Commission, the Commodity
- [Personal Finance Tips for New Graduates](https://austinwealthmgmt.com/personal-finance-tips-for-new-graduates/) - You've marched along to Pomp and Circumstance and collected your diploma--now you're ready to finally head out on your own. Maybe you have student loans that you need to start paying back. Perhaps you're looking forward to making your first car purchase or starting a new job. Whatever your situation, you'll definitely have new financial challenges you'll
- [Why News Headlines Drive Investment Behavior](https://austinwealthmgmt.com/why-news-headlines-drive-investment-behavior/) - The following is an excerpt from an article recently written by Jim Parker of Dimensional Fund Advisors. He examines the human instinct to link recent global news events to stock market performance. Understanding how our brains are wired can make us better investors. Human beings love stories. But this innate tendency can lead us
- [Are con artists adopting trendy twists on old scams?](https://austinwealthmgmt.com/are-con-artists-adopting-trendy-twists-on-old-scams/) - In a word, yes. You may be great at deleting e-mails from Nigerian princes to avoid online phishing, but fraudsters keep coming up with new schemes for prying information or money from potential victims. And while scams sometimes involve hot topics that are getting a lot of attention in the news, which may make them
- [Expansion of Pay As You Earn Program for Student Loans](https://austinwealthmgmt.com/expansion-of-pay-as-you-earn-program-for-student-loans/) - According to the Federal Reserve Bank of New York, outstanding student loan debt climbed by $114 billion in 2013, reaching $1.08 trillion at the end of the year (Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, February 2014). Against a backdrop of growing alarm over student loan debt and its
- [A View of Health Care from Around the World](https://austinwealthmgmt.com/a-view-of-health-care-from-around-the-world/) - The United States health-care system has been impacted by the Affordable Care Act (ACA). But how does delivery of health care in the United States compare to that of other nations? And where does the United States rank with respect to the cost of health care per capita and as a percentage of gross domestic
- [Longevity Income Annuities](https://austinwealthmgmt.com/longevity-income-annuities/) - With luck, many of us can expect to live to a very ripe old age. Are you prepared, however, for the financial implications of that possibility? Today, individuals contemplating retirement frequently face the fact that the financial costs associated with retirement will fall largely on their own shoulders. Even though you may set aside funds,
- [GAO Report Reveals Why People Claim Social Security Benefits Early](https://austinwealthmgmt.com/gao-report-reveals-why-people-claim-social-security-benefits-early/) - Why would people choose to claim Social Security retirement benefits at the earliest possible age of 62, rather than waiting until their full retirement age (66 to 67 for anyone born in 1943 or later), when doing so would reduce their monthly benefit by as much as 30%? There are many reasons, according to a
- [Retirement Myths and Realities](https://austinwealthmgmt.com/retirement-myths-and-realities/) - We all have some preconceived notions about what retirement will be like. But how do those notions compare with the reality of retirement? Here are four common retirement myths to consider. 1. My retirement won't last that long The good news is that we're living longer lives. The bad news is that this generally translates
- [The 2014 Social Security Trustees Report: What Does the Future Hold?](https://austinwealthmgmt.com/the-2014-social-security-trustees-report-what-does-the-future-hold/) - Every year, the Trustees of the Social Security Trust Funds release a report to Congress on the current financial condition and projected financial outlook of the program. This year's report, released on July 28, contains valuable information about the health of Social Security that may help you understand how your Social Security benefits might be
- [Possible Relief for Consumers with Low Credit Scores](https://austinwealthmgmt.com/possible-relief-for-consumers-with-low-credit-scores/) - Changes to a widely used credit score may make it more likely for consumers struggling with low scores to obtain loans. Fair Isaac Corporation's newest FICO® credit scoring model will change certain aspects of how it computes the information on an individual's credit report. The changes come in the wake of discussions with lenders and
- [10 Basic Tax To-Dos for the Rest of 2014](https://austinwealthmgmt.com/10-basic-tax-to-dos-for-the-rest-of-2014/) - Here are 10 things to consider as you weigh potential tax moves between now and the end of the year. 1. Make time to plan Effective planning requires that you have a good understanding of your current tax situation, as well as a reasonable estimate of how your circumstances might change next year. There's a
- [Quiz: How much do you know about Social Security?](https://austinwealthmgmt.com/quiz-how-much-do-you-know-about-social-security/) - You're probably covered under Social Security--according to the Social Security Administration, an estimated 165 million workers are*--but how much do you know about this program? Test your knowledge by answering the following questions. Questions 1. If you decide to collect your retirement benefit starting at age 62, your benefit will be how much less than
- [Some Things to Consider about Gifts to Children](https://austinwealthmgmt.com/some-things-to-consider-about-gifts-to-children/) - If you make significant gifts to your children or someone else's children, or if someone else makes gifts to your children, there are a number of things for you to consider. Transfers that are not taxable gifts There are a variety of ways for you to make transfers to children that are not treated as
- [What factors could negatively impact my credit report?](https://austinwealthmgmt.com/what-factors-could-negatively-impact-my-credit-report/) - Having a good credit report is important when it comes to personal finance, because most lenders use credit reports to evaluate the creditworthiness of a potential borrower. Borrowers with good credit are presumed to be more creditworthy and may find it easier to obtain a loan, often at a lower interest rate. A number of
- [Are you ready to retire?](https://austinwealthmgmt.com/are-you-ready-to-retire/) - Here are some questions to ask yourself when deciding whether or not you are ready to retire. Is your nest egg adequate? It's obvious, but the earlier you retire, the less time you'll have to save, and the more years you'll be living off of your retirement savings. The average American can expect to live
- [What do insurance companies invest in?](https://austinwealthmgmt.com/insurance-company-investment/) - It is important to keep in mind what insurance companies are actually investing in when considering the features of annuities and cash value life insurance contracts. According to a paper published by the Federal Reserve Bank of Chicago in April 2013, “U.S. life insurance companies own more than $5.5 trillion dollars in real and financial
- [What does a -1.62% decline in the S&P on September 25th tell you?](https://austinwealthmgmt.com/what-does-a-1-62-decline-in-the-sp-on-september-25th-tell-you/) - It seems that whenever the daily price change of the stock market exceeds plus or minus 1%, the news headlines provide us with an indication that we should panic or rejoice. As you can see in the chart of daily S&P 500 price changes, we routinely observe activity between +2% and -2%. Since the bottom
- [Deadline Approaching for Undoing a 2013 Roth IRA Conversion](https://austinwealthmgmt.com/deadline-approaching-for-undoing-a-2013-roth-ira-conversion/) - If you converted a traditional IRA to a Roth IRA in 2013 and your Roth IRA has sustained losses, you may want to consider whether it makes sense to undo (recharacterize) your conversion. You have until October 15, 2014, to undo your 2013 conversion. (If you've already filed your federal income tax return for 2013,
- [Prepare Now for a Year-End Investment Review](https://austinwealthmgmt.com/prepare-now-for-a-year-end-investment-review/) - Getting organized for your year-end investment review with your financial professional may help make the review process more efficient. Here are some suggestions for making your meeting as productive as possible. Decide what you want to know One of the benefits of a yearly investment review is that it can help you monitor your investment
- [Leaving Assets to Your Heirs: Income Tax Considerations](https://austinwealthmgmt.com/leaving-assets-to-your-heirs-income-tax-considerations/) - An inheritance is generally worth only what your heirs get to keep after taxes are paid. So when it comes to leaving a legacy, not all property is created equal--at least as far as federal income tax is concerned. When evaluating whom to leave property to and how much to leave to each person, you
- [Retiring and Relocating? Don't Neglect State Taxes!](https://austinwealthmgmt.com/retiring-and-relocating-dont-neglect-state-taxes/) - If you're retired, or about to retire, you may be thinking about relocating to a state that has low tax rates or provides special tax benefits to retirees. Here's a survey that may jump-start your search for a tax-friendly state in which to spend your golden years. State income taxes in general State income taxes
- [Year-End Charitable Giving](https://austinwealthmgmt.com/year-end-charitable-giving/) - With the holiday season upon us, and the end of one year and the start of another approaching, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes to mind. Charitable giving can be enhanced using income tax deductions, and so
- [Importance of Timing a Roth IRA Conversion](https://austinwealthmgmt.com/importance-of-timing-a-roth-ira-conversion/) - Conventional wisdom holds that if you convert a traditional IRA to a Roth IRA, you should never pay the conversion taxes from IRA assets. The reason is that you'll be depleting IRA assets that might otherwise be available to grow on a tax-deferred basis. The withdrawal from a traditional IRA to pay the conversion taxes
- [Helping Your Parents Manage Their Finances](https://austinwealthmgmt.com/helping-your-parents-manage-their-finances/) - As the U.S. population gets older, more people, particularly baby boomers, are confronting a dilemma. As parents age, their ability to manage their own finances may decline. That can make it more likely that they may neglect the life savings they've worked so hard to accumulate or make costly mistakes with them. Even worse, they're
- [How can college students save and spend money wisely?](https://austinwealthmgmt.com/how-can-college-students-save-and-spend-money-wisely/) - College is a pivotal time in a young adult's life. Students gain a sense of independence that is accompanied by responsibility--especially when it comes to finances. If you're a new college student, it can be overwhelming to figure out how to save and spend money wisely. However, if you take time to plan, you won't
- [All About IPOs](https://austinwealthmgmt.com/all-about-ipos/) - Maybe you've heard someone talking about investing in "a hot new IPO" and wondered what all the fuss was about. Or maybe you've heard about a company "going public" and thought about whether you should invest in it. If you're unfamiliar with initial public offerings (IPOs), here's a review of some basics. What is an
- [No Matter What Your Age, Your Social Security Statement Matters](https://austinwealthmgmt.com/no-matter-what-your-age-your-social-security-statement-matters/) - Fifteen years ago, the Social Security Administration (SSA) launched the Social Security Statement, a tool to help Americans understand the features and benefits that Social Security offers. Since then, millions of Americans have reviewed their personalized statements to see a detailed record of their earnings, as well as estimates of retirement, survivor, and disability benefits
- [When do I need to submit college financial aid forms?](https://austinwealthmgmt.com/when-do-i-need-to-submit-college-financial-aid-forms/) - It depends on the form you're filling out and whether your child is a new college student or a returning student. College deadlines for the federal government's financial aid form, the FAFSA, might be anywhere from February 1 to April 1 for both new and returning students. But it's in your best interest to submit
- [Share Class Conversions for Lower Investment Costs](https://austinwealthmgmt.com/share-class-conversions-for-lower-investment-costs/) - Part of our job as financial advisors is to seek out the best investment service relative to fees for our clients. One of the many benefits of moving your accounts to TD Ameritrade is access to lower cost mutual fund share classes. This is an important element of managing the fees you pay for professional
- [Easy Math: 1.00% > 0.05% Interest on Cash](https://austinwealthmgmt.com/easy-math-1-00-0-05-interest-on-cash/) - As of today, 01/29/15, interest rates paid for online savings accounts are in the 1.00% range and very close to the rates 12 month CDs are paying. We encourage clients with excess cash to consider these online savings accounts to fight against inflation. CDs typically have penalties for early withdrawals, whereas online savings accounts are
- [10 Financial Terms Everyone Should Know](https://austinwealthmgmt.com/10-financial-terms-everyone-should-know/) - Understanding financial matters can be difficult if you don't understand the jargon. Becoming familiar with these 10 financial terms may help make things clearer. 1. Time value of money The time value of money is the concept that money on hand today is worth more than the same amount of money in the future, because
- [Key Numbers for 2015](https://austinwealthmgmt.com/key-numbers-for-2015/) - Every year, the Internal Revenue Service (IRS) announces cost-of-living adjustments that affect contribution limits for retirement plans, thresholds for deductions and credits, and standard deduction and personal exemption amounts. Here are a few of the key adjustments for 2015. Retirement plans Employees who participate in 401(k), 403(b), and most 457 plans can defer up to
- [Should I be worried about a Federal Reserve interest rate hike?](https://austinwealthmgmt.com/should-i-be-worried-about-a-federal-reserve-interest-rate-hike/) - After years of record-low interest rates, at some point this year the Federal Reserve is expected to begin raising its target federal funds interest rate (the rate at which banks lend to one another funds they've deposited at the Fed). Because bond prices typically fall when interest rates rise, any rate hike is likely to
- [What is this new chip-card technology I have been hearing about in the news?](https://austinwealthmgmt.com/what-is-this-new-chip-card-technology-i-have-been-hearing-about-in-the-news/) - In recent years, data breaches at major retailers have increased across the United States. As a way to counteract these data breaches, many U.S. credit-card companies have started implementing a more secure chip-card technology called EMV (which is short for Europay, Mastercard, and Visa). Currently, most retailers use the magnetic strips on the back of
- [Am I liable for unauthorized transactions on my debit card?](https://austinwealthmgmt.com/am-i-liable-for-unauthorized-transactions-on-my-debit-card/) - It depends. Federal law provides consumers with protection against most unauthorized credit- and debit-card transactions. Under federal law, consumer liability for unauthorized credit-card transactions is limited to $50. However, many banks and credit-card companies offer even more protection for credit cards in the form of "zero liability" for unauthorized transactions. For unauthorized debit, rather than
- [Avoiding Probate: Is It Worth It?](https://austinwealthmgmt.com/avoiding-probate-is-it-worth-it/) - When you die, your estate goes through a process that manages, settles, and distributes your property according to the terms of your will. This process is governed by state law and is called probate. Probate proceedings fall under the jurisdiction of the probate court (also called the Surrogate's, Orphans', or Chancery court) of the state
- [Financial Mistakes People Make at Different Ages](https://austinwealthmgmt.com/financial-mistakes-people-make-at-different-ages/) - There's a saying that with age comes wisdom, but this may not always be true in the financial world. As people move through different life stages, there are new opportunities--and potential pitfalls--around every corner. In your 20's Living beyond your means. It's tempting to want all the latest and greatest in gadgets, entertainment, and travel,
- [Five Ways to Manage Risk in Your Retirement Savings Plan](https://austinwealthmgmt.com/five-ways-to-manage-risk-in-your-retirement-savings-plan/) - Your employer-sponsored retirement savings plan is a convenient way to help you accumulate money for retirement. Using payroll deductions, you invest for the future automatically, following that oft-noted advice to "pay yourself first." But choosing to participate is just one important step. Another key to making it work for you is managing risk in your
- [The Cost of Credit](https://austinwealthmgmt.com/the-cost-of-credit/) - Sometimes you need to borrow money, especially to pay for a large purchase such as a home or a car. It's easy to focus on your monthly loan payment, but to appreciate how much borrowing money might really cost, you also need to consider the amount of interest you'll pay over time. The following tables
- [Correlation and Portfolio Performance](https://austinwealthmgmt.com/correlation-and-portfolio-performance/) - Different types of investments are subject to different types of risk. On days when you notice that stock prices have fallen, for example, it would not be unusual to see a rally in the bond market. Asset allocation refers to how an investor's portfolio is divided among asset classes, which tend to perform differently under
- [Six Life Insurance Mistakes to Avoid](https://austinwealthmgmt.com/six-life-insurance-mistakes-to-avoid/) - Life insurance has long been recognized as a useful way to provide for your heirs and loved ones when you die. Naming your policy's beneficiaries should be a relatively simple task. However, there are a number of situations that can easily lead to unintended and adverse consequences. Here are six life insurance beneficiary traps you
- [Taxes, Retirement, and Timing Social Security](https://austinwealthmgmt.com/taxes-retirement-and-timing-social-security/) - The advantages of tax deferral are often emphasized when it comes to saving for retirement. So it might seem like a good idea to hold off on taking taxable distributions from retirement plans for as long as possible. (Note: Required minimum distributions from non-Roth IRAs and qualified retirement plans must generally start at age 70½.)
- [3 BIG Financial Considerations to Having Children](https://austinwealthmgmt.com/3-big-financial-considerations-to-having-children/) - By: Jonathan McQuade, CFP® Okay, okay. Deciding to have children is not often based on the idea of a positive economic outcome for parents. As the father of two young children, my colleagues like to remind me of the average cost quoted for raising children today ($245,340 per child according to the last USDA study[1]).
- [Interest Rate Decline on Federal Student Loans](https://austinwealthmgmt.com/interest-rate-decline-on-federal-student-loans/) - New student loans issued by the federal government will cost students less. More info here
- [Presidential Elections and Stock Markets](https://austinwealthmgmt.com/presidential-elections-and-stock-markets/) - We naturally receive quite a few questions about investing with regards to the upcoming Presidential election, and as you might expect given the polarizing nature of the candidates, the concerns about potential market declines usually align with the political leanings of the concerned party. Trump supporters more likely fear the potential negative effects on market
- [Market timing: if and when it is sensible?](https://austinwealthmgmt.com/market-timing-if-and-when-it-is-sensible/) - Rob Arnott is the founder of Research Affiliates, a firm that researches sources of long-term excess returns in financial markets. This five minute interview contains his thoughts on the efficacy of market timing and his belief in the most practical method for taking advantage of changes in market valuations. This is the Shiller P/E ratio
- [Charity + Tax Deduction: a charitable fund](https://austinwealthmgmt.com/1178-2/) - A Donor Advised Fund is a charitable fund that gives you an immediate tax deduction and you manage when and where grants are sent over your own time table.
- [How we use Twitter](https://austinwealthmgmt.com/how-we-use-twitter/) - If you use Twitter, you may want to consider following us. We have found Twitter to be an excellent method of providing current and relevant perspectives on important financial topics. This allows us to use email sparingly and save you some inbox clutter. We do not 'Tweet' often, but when we do, it is information
- [How to search for a Financial Planner: Google search results](https://austinwealthmgmt.com/how-to-search-for-a-financial-planner-google-search-results/) - We conduct research on our competition in an effort to constantly improve our services and to make sure our fees are competitive (turns out they are VERY competitive). It occurred to us that it would be very difficult for someone to search for and find a financial planner who provides the type of help actually
- [A better approach to index investing: WSJ article on DFA](https://austinwealthmgmt.com/a-better-approach-to-index-investing-wsj-article-on-dfa/) - We are generally in favor of 'passive' or 'indexing' strategies as an effective means to capture market returns and fine tune the amount of risk investors want to take. However, not all index-based investment products are the same, and you may find that there are compelling reasons to look at alternatives to Vanguard and iShares.
- [Lower cost ETFs now transaction-free on TD Ameritrade](https://austinwealthmgmt.com/lower-cost-etfs-now-transaction-free-on-td-ameritrade/) - Good news! Our preferred custodian, TD Ameritrade, recently announced that they are overhauling their offering of Exchange Traded Funds (ETFs) that trade without commissions. Here are a few key improvements: The list of ETFs that transact without trading costs will expand from 100 to 296 this month. Introduction of SPDR ETFs, which now have among
- [Expanded access to non-traditional investments](https://austinwealthmgmt.com/1268-2/) - We have expanded our access to non-traditional investments through an independent exchange called CAIS. This platform provides third-party research reports, analytics tools and streamlined transaction execution for private equity funds, private loan portfolios, hedge funds, real estate funds, and others. Non-traditional, privately traded investments are not for everybody. They typically require a household with at least
- [New Service: 401(k) Account Management](https://austinwealthmgmt.com/new-service-401k-account-management/) - If you have a 401(k) plan through your employer, chances are that it is receiving the majority of your new investments each year. In a lot of cases, it is the BIGGEST investment account in a household. Until now, we have only been able to advise 401(k) accounts from afar, relying on our clients to
- [2017 Simple Year-End Tax Savings Ideas](https://austinwealthmgmt.com/2017-simple-year-end-tax-savings-ideas/) - (may not apply to you, always consider your cash flow and cash reserve first, and always consult your CPA for details) Increase your pre-tax 401k contributions from your final paychecks of 2017. You are allowed up to $18,000 for the year ($24,000 if you are over 50). Make an extra mortgage payment to increase interest deduction in 2017.
- [Welcoming Wes Gallup, CFP®](https://austinwealthmgmt.com/welcoming-wes-gallup-cfp/) - Wes Gallup is a new Partner at Austin Wealth Management, and we are thrilled to have him on the team. He is leading our efforts in 401(k) plan services for small and mid-sized businesses. In this capacity, he is working with employers to help design and manage 401(k) plans for their employees. We will formally
- [Introducing 401(PRO) - small business retirement plans](https://austinwealthmgmt.com/introducing-401pro-small-business-retirement-plans/) - As part of our planning services, we consistently see clients with 401(k) plans that are poorly designed, expensive, and not maximizing tax advantages. Unfortunately, employers are often not aware that they could be receiving better 401(k) services while actually lowering their overall plan costs. In fact, many employers couldn't even tell you who manages their 401(k) and
- [Donor-Advised Funds for Flexible Charitable Giving](https://austinwealthmgmt.com/donor-advised-funds-for-flexible-charitable-giving/) - A Donor-Advised Fund (DAF) is a convenient way make charitable gifts over a long period of time. Here's how it works: 1) Set up a DAF investment account. 2) Fund the account with a charitable donation and enjoy the tax benefit in the year of the donation. 3) The funds remain in the account and you
- [What we understand about Bitcoin](https://austinwealthmgmt.com/what-we-understand-about-bitcoin/) - As you might imagine, we field several inquiries about Bitcoin each week. The intrigue is certainly understandable and we have been doing our own research in an effort to make sense of it all. Our objective is to develop a sober and rational perspective. We do not want to find ourselves among the many wild-eyed (and often
- [We use Twitter to share timely info](https://austinwealthmgmt.com/we-use-twitter-to-share-timely-info/) - If you are a frequent user of Twitter, you may want to consider following us @ATXWealthMgmt. Twitter can be a mess and a complete waste of time. However, I have found that by carefully curating a list of people to follow, it becomes an effective way to harness some of the brightest minds and most useful, timely and interesting
- [Expanded Use of 529 Funds](https://austinwealthmgmt.com/expanded-use-of-529-funds/) - Expanded Use of 529 Funds Beginning on January 1, 2018, 529 account owners may take tax-free withdrawals up to $10,000 annually from their accounts for tuition expenses at public, private, or religious schools. This provision will apply to elementary, middle, and high schools. Financial planning implications: Families with young kids - if your kids are in K-12 schools that require
- [2017 Market Recap](https://austinwealthmgmt.com/2017-market-recap/) - Please follow this link to view the complete annual report in PDF format. Here are some interesting highlights from 2017: Emerging market stocks +37% vs US Stock market +21% US Large Cap Growth index +30%, led by tech sector Top performing developed market countries: Austria +51%, Denmark +35% Top performing emerging market countries: Poland +54%,
- [All time highs](https://austinwealthmgmt.com/all-time-highs/) - The level of anxiety about markets increasing dramatically is beginning to boil over. There are a variety of reasons working together to cause these feelings, often triggered by the recently common headline "New record highs!" There is a prevailing thought that record highs must mean it is time for a 'correction' or perhaps the
- [Individual Bonds or Bond Funds?](https://austinwealthmgmt.com/individual-bonds-or-bond-funds/) - Bonds do not get a lot of attention in conversations because they are both complicated and boring, but they are one of the three primary places to hold money that you have not spent. Those are currency, bonds, and equity (stocks and real estate). This is a brief review of bonds with an emphasis on
- [The Great Correction of February 2018](https://austinwealthmgmt.com/the-great-correction-of-february-2018/) - Last week was a doozy! The US stock market had been on a record-breaking streak of sessions without significant declines, so sharp drops in the market last week come as a stern reminder that we have been investing in unusual times. I like to think of it as a test. How does your commitment to
- [Higher interest rates on cash](https://austinwealthmgmt.com/higher-interest-rates-on-your-cash/) - Good news! Higher short-term interest rates mean higher potential returns on your cash. This is not going to make or break your retirement plans, but it may be worth a 30 minute exercise to review the interest you are earning on your cash accounts and consider your best alternatives. If you have $30k in a savings account paying
- [Deciding which house to buy](https://austinwealthmgmt.com/deciding-which-house-to-buy/) - This is the time of year when home buyers and sellers become very active. If you are a potential buyer, let's face it, this town is EXPENSIVE! The obvious reasons are: 1) People want to live here at an increasing rate. 2) Home buyers have many overlapping interests and concerns - location, schools, safety, convenience,
- [Can we afford that house? Rules of thumb.](https://austinwealthmgmt.com/can-we-afford-that-house-rules-of-thumb/) - There is usually a difference between the house we really want and the house we can actually afford. Figuring out a reasonable purchase price is critically important for financial security, and it is easy to let that number float up, up and away. We must draw the line somewhere or risk a cash flow crisis
- [The Flat Yield Curve](https://austinwealthmgmt.com/the-flat-yield-curve/) - Here is what has been going on in global markets in Q1 of 2018. Click here for the full Q1 report in PDF format. Some interesting facts from the Q1 report: Top performing emerging markets: Egypt, Brazil, Peru, Russia Most appreciated currency: Mexican Peso +7.19% Worst performing broad asset category: US Real Estate -7.43% Crude oil
- [Tech Update: Portfolio Insight](https://austinwealthmgmt.com/tech-update-portfolio-insight/) - We are excited to announce a new visual investment dashboard in your Orion portal. Orion is a performance reporting system that uses data feeds from TD Ameritrade and other custodians and presents that information to you in a visual way. To check out this new feature, login to the Orion system. If you do not have
- [Trade Wars](https://austinwealthmgmt.com/trade-wars/) - If wealth creation can be defined as more people accessing better products and services at lower prices, then Trade Wars gum up the works. It is not easy to find a respected economist who favors Trade Wars because it is widely accepted that more trade with less interference has had an extraordinary impact on gains
- [US vs The World](https://austinwealthmgmt.com/us-vs-the-world/) - Stock markets have exhibited some fascinating behavior this year, and I’m not just talking about Elon Musk tweeting Tesla’s price up and down. (Although I can’t wait for the movie to come out - DiCaprio was born for that role.) I am referring to the recent great divergence between stock market returns in the US
- [Podcast: Budgeting in Austin, TX](https://austinwealthmgmt.com/podcast-budgeting-in-austin-tx/) - This podcast breaks down the difficult challenge of budgeting for a middle to upper middle class family in Austin, Texas. Find it here: http://conversationwithkevin.libsyn.com/a-mental-model-for-budgeting We cover: What does it cost to live comfortably in Austin? Why bother budgeting at all? A basic formula for designing a practical budget. Using mental models rather than tracking receipts
- [NEW! North Austin Location](https://austinwealthmgmt.com/new-north-austin-location/) - In an effort to better serve our clients who live and work north of the river, we have opened a meeting location at the intersection of Mopac and Far West. This is a Regus coworking office space for the purpose of meeting with clients. Please let us know if this is more convenient for you
- [2018 Q3 Trends - Interest Rates Up](https://austinwealthmgmt.com/2018-q3-trends-interest-rates-up/) - We have observed a gradual interest rate increase since mid-2017. The change was first experienced in higher yielding cash savings accounts, which was great news for emergency funds and rainy day funds. More recently we have seen an increase in rates across all time frames, from 1-year bonds to 30-year mortgages. The result has been
- [2018 Q3 Trends - Global stock market divergence](https://austinwealthmgmt.com/2018-q3-trends-global-stock-market-divergence/) - The difference between stock market returns from these broad regional categories have reached historical significance in 2018. As disciplined investors, we see an opportunity to buy stocks at historically attractive prices and remember that trends tend to reverse and the timing is always unpredictable. The global strategy, in combination with ‘value investing’ and ‘small cap
- [2018 Q3 Trends - Expensive stocks outperformed cheap stocks](https://austinwealthmgmt.com/2018-q3-trends-expensive-stocks-outperformed-cheap-stocks/) - Is the ‘value premium’ dead? Investing with a preference for cheap stocks (named “value” by marketing departments) over expensive stocks (named “growth” by marketing departments) is referred to as ‘value investing’.History provides compelling evidence that investors have received higher returns from value investing over the majority of 10-year periods, and there are sensible reasons to
- [Year-End Planning Tips: Required Distributions](https://austinwealthmgmt.com/year-end-planning-tips-required-distributions/) - Required Minimum Distributions You did a great job building up that 401k, but the IRS eventually demands your tax dollars. This applies to people who are age 70 ½ or older by 12/31/2018. It also applies to people who have inherited an IRA from someone other than a spouse. Here are some important notes on
- [Year-End Planning Tips: Roth Conversions](https://austinwealthmgmt.com/year-end-planning-tips-roth-conversions/) - The Roth IRA is fantastic. When you deposit funds to a Roth IRA, the IRS tells us that you will never be taxed again on that money. This can be particularly compelling if you are expecting significant taxable income in your retirement years. For example, if you expect to have a $2M 401k balance at
- [Year-End Planning Tips: Employee Benefits](https://austinwealthmgmt.com/year-end-planning-tips-employee-benefits/) - If you have open enrollment between now and the end of the year, here are some important considerations. Health insurance - if your employer offers a high-deductible plan with an HSA account and matching funding, this may be worth strong consideration. There are factors that can tilt your decision one way or the other. Let
- [Year-End Planning Tips: Your Charitable Fund](https://austinwealthmgmt.com/year-end-planning-tips-your-charitable-fund/) - A Donor Advised Fund (DAF) is kind of like your own personal endowment, but without the administrative costs and hassles. A DAF is an investment account that receives your charitable donations, allows you to take the tax deduction in the year of the contribution, invest the funds so they can grow, and take your time
- [My Lunch with Ben Bernanke](https://austinwealthmgmt.com/my-lunch-with-ben-bernanke/) - Ben Bernanke can smile... and he is actually kind of funny. The perfectly formal and stiff Bernanke we remember from appearances during his tenure at the Fed spoke freely with occasional wit and humor at a November 2018 lunch meeting in downtown Austin. These are some of his insights from my notes: Inflation outlook. He
- [From Vanguard on the Future](https://austinwealthmgmt.com/from-vanguard-on-the-future/) - Vanguard stepped up its research capabilities and provided more information to investors in 2018 than ever before. Their market outlook for 2019 is particularly well assembled. My cliff notes are below and you can find the entire paper here. Short term expectations (1-2 year outlook) Growth slowdown led by US and China Not likely to
- [Modern budgets](https://austinwealthmgmt.com/modern-budgets/) - A tiny fraction of the population loves budgeting and has years of spending data stored in Excel models. The rest of us would rather scrub grout between bathroom tiles. Using a budget is how to make financial progress on purpose. The trick is making it simple and intuitive. This is my favorite method. 1) Figure
- [Saving taxes in a bad stock market](https://austinwealthmgmt.com/saving-taxes-in-a-bad-stock-market/) - There are two great things about bad stock markets: 1) opportunities to buy at attractive prices, and 2) opportunities to harvest tax losses. We have been hard at work over the last couple of weeks finding ways to save our clients on taxes for 2018 using a technique called Tax Loss Harvesting, which uses losses
- [2018 Year-End Trading](https://austinwealthmgmt.com/2018-year-end-trading/) - The stock market brought us gifts just in time for Christmas. The chart above show the % declines from all-time highs over the past five years for the S&P 500. Christmas Eve just happened to be the most significant pull back in a long time. Changes like this unlock opportunities for investors and we were
- [529 Plan Defaults are Deficient](https://austinwealthmgmt.com/529-plan-defaults-are-deficient/) - College funds are designed to be simple so the largest number of people will use them. Signing up is easy. Linking your bank account is easy. Accessing accounts online is easy. Now investing is easy... maybe too easy. Choosing investments is the most daunting part of signing up for a 529 college fund. It involves
- [New Financial Planning Software](https://austinwealthmgmt.com/new-financial-planning-software/) - Financial planning just got better with the addition of RightCapital, a fresh new cloud-based program for organizing financial information and visualizing financial concepts. We have been using eMoney for almost 10 years, waiting for a competitor to develop a better user experience. RightCapital enters as the next generation of planning software. For those of you
- [Risk Level is SOOOO Important](https://austinwealthmgmt.com/risk-level-is-soooo-important/) - The amount of investment risk you take will probably make the biggest difference in how your account performs over short and long periods of time. It deserves our attention more than almost any other topic. The two competing investment objectives at play are "I don't want to lose money" and "I need to make money".
- [Strategy Breakdown: Selling the Highs and Buying the Dips](https://austinwealthmgmt.com/strategy-breakdown-selling-the-highs-and-buying-the-dips/) - One of the most commonly referenced investment strategies must be "sell the highs and buy the dips". Why is it so popular? Makes sense. Hard to argue against. Easy to apply (in theory). Low cost to execute. High profile investors have endorsed it. As with so many investing ideas, the data is sobering. There is
- [The Year of the IPO](https://austinwealthmgmt.com/thee-year-of-the-ipo/) - Investors revel in the excitement of a beloved tech company ringing the bell on their opening day on the stock market. Months of media attention and speculation about the opening price lead up to this celebrated event. Will this company become the next [Google, Facebook, Netflix]? Will investors make a fortune buying this stock as
- [Your Budget in a Recession](https://austinwealthmgmt.com/your-budget-in-a-recession/) - As of September 2019, life is good here in Austin, TX and much of the United States. Wages are up, jobs creation is abundant, the business community is thriving, home values have been on the rise for years. People under 30 have either a faint recollection or no memory of a recession. Life isn't grand
- [The SECURE Act is here. What are the big changes?](https://austinwealthmgmt.com/the-secure-act-is-here/) - President Trump signed the SECURE Act into law on December 20th, 2019. The purpose is to help more Americans obtain retirement security. The following is not an exhaustive list of changes, but a description of changes that will likely impact the most people. IRA required minimum withdrawal age pushed to 72 The money in Traditional
- [The 5% Savings Challenge](https://austinwealthmgmt.com/the-5-savings-challenge/) - Ready to crank up the dial and build wealth faster? The best way to make financial progress is to set an achievable goal and create a system so you don't have to think about it. Saving an additional 5% seems achievable, right? Here is an example: two 45 year old couples earn $200,000 per year
- [Investing during a crisis: Coronavirus](https://austinwealthmgmt.com/investing-during-a-crisis-coronavirus/) - Stock prices adjust to reflect the collective expectations of all investors. The basic formula for estimating a stock price is estimating future cash flows and discounting them based on risk. Lower expected cash flows = lower price. Higher risk = lower price. Right now, it seems clear the coronavirus will impact future cash flows of
- [All Bull Markets Will End... And Come Back](https://austinwealthmgmt.com/all-bull-markets-will-end-and-come-back/) - We are still technically in a Bull market and have been for about 11 years. When we zoom out and take a deep breath, there is some solace in seeing that Bear markets tend to be much shorter than Bull markets. It tends to feel like an eternity, but Bear markets have only lasted 1.3
- [The elusive 'bottom'](https://austinwealthmgmt.com/the-elusive-bottom/) - Seeking the bottom of the market is risky business. The conditions that caused The Great Recession of 2007/2008 had nothing in common with our current crisis, but the feeling of watching stocks fall is similar. Investors are struggling with a complex blend of emotions, news media, and personal opinions. Both scenarios started with surprising and
- [Recession Risk by Life Stages](https://austinwealthmgmt.com/recession-risk-management-by-life-stages/) - Early to Mid Career Income risk Younger executives and professionals in the process of establishing careers may be at higher risk of income loss, which can come in the form of reduced base pay, lower bonuses or layoffs. 30% rule - always maintain a 30% safety buffer as a percent of your gross (before tax)
- [Podcast: "Personal Finances and COVID-19"](https://austinwealthmgmt.com/podcast-personal-finances-and-covid-19/) - Follow this link to our latest podcast. This is a conversation with Austin-based tech entrepreneur, Kevin McLaughlin. He and I regularly discuss the financial challenges and economic opportunities of the Millennial generation. We talk about methods to deal with losses of income and investment value resulting from the pandemic, and how to rebuild and emerge
- [How much MSFT, AAPL, AMZN, GOOGL, FB do I own?](https://austinwealthmgmt.com/how-much-msft-aapl-amzn-googl-fb-do-i-own/) - When you own a diversified portfolio, it doesn't feel like owning stocks. What you see on your statement is a list of ETFs or mutual funds with names that describe the type of stocks you own "US Large Cap", "International Equity", "Real Estate", etc., but is hard to visualize how much of any stock you
- [Three Mortgage Refinance Strategies](https://austinwealthmgmt.com/three-mortgage-refinancing-options/) - After a video interview with Nick Flanagan of Summit Funding, I asked if he could share some helpful examples of the different types of mortgage refinancing. Here is what he gave us. Special thanks to Nick for the education. Cost refinancing: Cost refinancing is a great option if you plan to stay in the home
- [Tips for day traders](https://austinwealthmgmt.com/tips-for-day-traders/) - There is more energy around day trading than I have seen in years. Maybe it's because of quarantine boredom. Maybe it's because tech stocks have been soaring and FOMO (fear of missing out). Maybe marketing genius Dave Portnoy is responsible for all of this. I don't know! Before you login to your Robinhood account, here
- [Great companies at bad prices](https://austinwealthmgmt.com/great-companies-at-bad-prices/) - Prices matter. In fact, we think prices matter a lot. There is a price low enough to make an unimpressive investment attractive. There is a price high enough to make an amazing investment unattractive. Today, investors in the US stock market are paying higher prices for great companies than they have... almost ever. Here are
- [Elections and the Stock Market](https://austinwealthmgmt.com/elections-and-the-stock-market/) - I did not predict anything about 2020, including that the Presidential campaign three months from election day would be so quiet. You can't escape it if you are glued to cable news or Twitter, but by comparison to past elections, it is surprisingly low key, particularly considering the clash of personalities and the tenuous social
- [What the heck is a 529 plan? Here you go...](https://austinwealthmgmt.com/what-the-heck-is-a-529-plan-here-you-go/) - What is a 529 plan? A 529 is a tax-advantaged education savings account that allows money to be saved and invested for a beneficiary, typically your child or grandchild. The earnings grow on a tax-deferred basis, and funds can be withdrawn tax-free to cover the cost of qualifying education expenses. The most common qualified education
- [Cracked screens and the sunk cost fallacy](https://austinwealthmgmt.com/cracked-screens-and-the-sunk-cost-fallacy/) - I almost got tripped up by the sunk cost fallacy. Almost! This is a public service announcement to help others avoid a costly mistake. A sunk cost is the time and/or money already spent. It’s done. For example, you spent six months and $100k on a home remodel. You can’t un-spend that time or money,
- [10 Year Forecast (October 2020)](https://austinwealthmgmt.com/10-year-forecast-october-2020/) - Predicting the future is out of the question, but developing reasonable expectations for planning purposes is necessary. Calculating expected returns on investments is a difficult task, but fairly simple models have been accurate enough to help with long term planning. Here is a relatively simple model that uses expected cash flows, expected growth, and expected
- [Post-Election Market Surprise](https://austinwealthmgmt.com/post-election-market-surprise/) - How did the stock market do after election day? Remarkably similar to four years ago. 2020 Post-Election Global Stock Index 2016 Post-Election Global Stock Index If you predicted Joe Biden would win a contested election with a (possibly) split Congress and stock markets would rally, you may be among the few who nailed it. The
- [How I Invest My Money](https://austinwealthmgmt.com/how-i-invest-my-money/) - I spend most of my time helping people think about their investing decisions and not much time on my own. An old saying goes “the cobbler’s son has the worst shoes in town”, or something like that. Rather than my son walk around with bad shoes, I prefer to keep my personal investing plan lean
- [Introducing My Kids to Investing](https://austinwealthmgmt.com/introducing-my-kids-to-investing/) - My kids are 3, 7, and 9. The first money concept I tried to teach them is that money does not fall from the sky, but Congress and the Federal Reserve keep proving me wrong. The older kids seem to grasp that you have to do something useful for someone else to earn money, and
- [Tesla in the S&P 500](https://austinwealthmgmt.com/tesla-in-the-sp-500/) - When you hear someone reference "the market", they probably mean the S&P 500 index, at least here in the United States. It is a list of 500 companies (actually 505) selected by the US Index Committee that are meant to represent the US stock market. They have a set of criteria, but ultimately vote on
- [Our Updated View on Bitcoin](https://austinwealthmgmt.com/our-updated-view-on-bitcoin/) - We have been studying Bitcoin for a few years, trying to understand it from many angles to figure out why, how and when it might make sense to buy. 'Because the price of Bitcoin has gone up dramatically' is not a sufficient reason, and possibly a reason not to buy any particular asset. Our position
- [Game Stop Lessons](https://austinwealthmgmt.com/game-stop-lessons/) - You may have read a dozen articles about Game Stop last week, or maybe none, but you probably heard the buzz: regular folks getting rich and hedge funds losing billions. There is much to learn from the story that created the massive blue spike in this chart. I went to a GameStop store in December
- [What To Do With All That Home Equity?](https://austinwealthmgmt.com/strategies-for-austin-homeowners/) - Elon is here and he brought Tesla. It seems like a new celebrity or ultra-wealthy tech investor moves to Austin every week, and I hear casual Austin references in podcasts so often I barely take note anymore. This type of growth seems different. The quirky college town I remember from the 90s is no longer.
- [Your Life With Inflation](https://austinwealthmgmt.com/your-life-with-inflation/) - Two of my favorite topics of conversation - aliens and inflation - happened to both make it to mainstream discussion this month. I see some interesting similarities in these two mysterious subjects. There are trillions of stars. So it stands to reason there might be a planet out there with alien life. There are also
- [Snipping Sneaky Subscriptions](https://austinwealthmgmt.com/snipping-sneaky-subscriptions/) - I used to be really cheap. From the time I went to college until my early 30s, I actively avoided nice things. I bought house brand groceries, almost never bought new clothes, never paid for a hotel room, rented out every spare room in my house, and of course consumed only cheap beer. My
- [Managing Your Cash to the Max](https://austinwealthmgmt.com/managing-cash-to-the-max/) - AWM partner Derek Ripp, CFP® recently authored this piece for Kiplinger on how much cash to hold, where to keep it, and strategies to get the most out of it. Read the excerpt below and full article here. If the past year and a half has taught us anything, it’s that having a good financial
- [Talking Money with New Graduates](https://austinwealthmgmt.com/talking-money-with-new-graduates/) - By Manisha Gupta, AWM Financial Planning Lead & Candidate for CFP® certification Summer is an exciting time for freshly minted graduates embarking on their own. Finally, the moment that you have been waiting for is here. Your child is going to be “financially independent”! But are you confident that they are ready for that challenge?
- [Stepping Up Your Password Security](https://austinwealthmgmt.com/stepping-up-your-password-security/) - Financial Security
- [Planning to Use 529 Funds? Read This.](https://austinwealthmgmt.com/how-to-use-529-funds/) - By Manisha Gupta, AWM Financial Planning Lead & Candidate for CFP® certification Investing in a 529 plan can be an effective and easy way to save for college, but when it comes time to spend those funds, there are some important nuances to understand. After taking distributions from your 529 plan, you will receive a Form 1099-Q
- [Investing for the Unknowable](https://austinwealthmgmt.com/investing-for-the-unknowable/) - By Matthew Pierce, CFA Yogi was right, and it’s particularly difficult when it’s your hard earned money on the line! Uncertainty never goes away, it just changes shape. It is the water we swim in as investors, so we should take a healthy dose of humility before making predictions. Fortunately, preserving and compounding wealth does
- [A Better Way to Manage Your 401(k) Account](https://austinwealthmgmt.com/a-better-way-to-manage-your-401k-account/) - This month, we added a new technology platform, called FeeX, to help us better manage our clients’ employer-sponsored 401(k) accounts and other outside assets. In the coming weeks, we will begin migrating clients to this new platform. If you currently have outside accounts managed by AWM, we will be reaching out to you with next
- [Your Health Care & Open Enrollment](https://austinwealthmgmt.com/your-health-care-open-enrollment/) - Early fall is open enrollment season for many health insurance plans. The health care plan you choose will have a meaningful financial impact for the next year. Choose wisely! Which open enrollment applies to you? W-2 employees: Typically runs from late October to the end of November. Self-Employed: Using the health insurance marketplace - November 1, 2021 through
- [What the fungible?! An NFT Exploration.](https://austinwealthmgmt.com/what-the-fungible-an-nft-exploration/) - The total value of all crypto assets is over $2.2 trillion as of December 2021. Bitcoin and Ethereum make up about three quarters of that. Today's topic, NFTs, are worth over $27 billion and growing fast! Although crypto markets may be in their adolescent phase, ignoring them much like an overstimulated teenager is probably a mistake.
- [Taking Advantage of the New Student Loan Freeze](https://austinwealthmgmt.com/taking-advantage-of-the-new-student-loan-freeze/) - The Biden administration has announced it is extending the pause on federal student loan payments until May 1, 2022. If you have federal student loans, how can you take advantage of this relief measure? Add to your emergency fund. It is essential to have several months' worth of living expenses saved in an account that gives you
- [I Bonds: Thriving During Inflation](https://austinwealthmgmt.com/i-bonds-your-friend-during-inflation/) - Concerned about inflation, perhaps for the first time in your lifetime? For many families we work with, it’s been decades since even the adults have seen inflation rising this quickly. But, the U.S. government has a nifty, old-school instrument available to you during extended periods of inflation. The Series I bond, known colloquially as “I
- [Markets and War](https://austinwealthmgmt.com/markets-and-war/) - I've heard financial markets described as "expectations machines", and I think that's about right. Asset prices are based on what people are willing to pay for them, which is based on what they expect to receive in return. Prices go up when expectations are high. Prices fall when expectations are low. The price of an
- [Roth IRAs for the Kiddos](https://austinwealthmgmt.com/roth-iras-for-the-kiddos/) - How your teenager (or even younger child) can benefit from a Roth IRA You have a high-achieving teenager who balances high school studies, chores and extracurricular activities with part-time work. Or maybe your college student took a job to help pay for tuition. At any rate, congratulations! Your young adult is developing valuable workforce skills,
- [Emergency Fund: Not Too Much, Or Too Little](https://austinwealthmgmt.com/emergency-fund-not-too-much-not-too-little/) - Dave Ramsey has been telling America for years on his financial radio show to keep an emergency fund that covers at least a few months of expenses. Thank you, Dave! You saved a lot of people from financial ruin with that advice. But inflation at 5-10% and interest rates on cash still close to 0%,
- ['Kiddie' Tax Advantages](https://austinwealthmgmt.com/kiddie-tax-advantages/) - Tax considerations are a key part of a successful financial plan, and that’s true of minors as well as adults. A previous blog post explored Roth IRAs as investments to position young workers for future tax savings. However, a child’s wages and investment income (from non-tax-advantaged sources) have tax implications now. One of the key
- [HSAs: The Triple Tax Advantaged Investment Account](https://austinwealthmgmt.com/hsas-the-triple-tax-advantaged-investment-account/) - Although the Health Savings Account (HSA) was created as part of the Medicare Modernization Act in 2003, we field questions almost daily from clients who don't understand what an HSA account is or how to efficiently use it. During open enrollment periods, you may be faced with the dilemma of whether to sign up for
- [Vested RSUs in a Market Decline](https://austinwealthmgmt.com/vested-rsus-in-a-market-decline/) - Do you have restricted stock units (RSUs) that have recently vested? If you work in the tech or financial sectors in 2022, that probably means that you have seen a decline in their value (energy sector folks have this in recent memory). You might be faced with the dilemma of deciding whether to sell or
- [The Language of Loss](https://austinwealthmgmt.com/the-language-of-losing-money/) - If you bet against the Golden State Warriors basketball team, and you watched their star, Steph Curry, make a game winning shot, it may have felt like you were losing money from the time the ball left his hand until it splashed through the net for the game winning point. After all, he's the best
- [Should I Pay Off My Mortgage?](https://austinwealthmgmt.com/should-i-pay-off-my-mortgage/) - Debt can be a complex and emotional topic. That is true even for mortgages and other “good debt” (a term sometimes used for money owed on an asset that is likely to increase in value). For many Americans, the mortgage on the personal residence is the largest liability on the net worth statement. That’s not
- [Broken Bonds](https://austinwealthmgmt.com/broken-bonds/) - If we're only ever looking back we will drive ourselves insane As the friendship goes resentment grows We will walk our different ways But those are the days that bind us together, forever And those little things define us forever, forever From the English band Bastille's "Bad Blood" The word "bond" conjures to mind words
- [Inflation and Your Cash Flow](https://austinwealthmgmt.com/inflation-and-your-cash-flow/) - The combination of high price inflation, higher interest rates, and a stock market recession is rippling through household budgets across the world. The impact varies quite a bit depending on sources of income, debt levels, property ownership, insurance coverage and lifestyle habits, but the bottom line is cash flow in 2022 has been under pressure.
- [2023 Increases for Social Security Income, Retirement Plans, HSAs & IRAs](https://austinwealthmgmt.com/2023-increases-for-social-security-income-retirement-plans-hsas-iras/) - There are some bright spots amid inflation news. Social Security benefits are set to increase, and workers will be able to contribute more to their retirement accounts in 2023 than in 2022. The following details are important considerations for open enrollment and 2023 planning. Social Security key numbers 8.7% cost-of-living adjustment, effective with benefits payable
- [Tax Advantages When Selling a Home](https://austinwealthmgmt.com/tax-advantages-when-selling-a-home/) - What if you knew that up to $500,000 of gain on an asset would be tax-free? Would you consider investing in that asset? Chances are, you already own such an investment. More specifically, you live in it. As tax expert Jeff Socha noted in this podcast, the United States tax code offers several incentives for
- [Choosing a Business Entity: Part I](https://austinwealthmgmt.com/choosing-business-entity-type-part-i/) - Part I: Formation, Day-to-Day Operations and Liability You are excited to start your own business. You offer a unique product or service, target a clearly defined market, possess the expertise to deliver superior value to clients and invest long hours to make your venture successful. What else do you need? One of the keys to
- [Choosing a Business Entity: Part II](https://austinwealthmgmt.com/choosing-a-business-entity-part-ii/) - Part II: Tax Considerations and Entity Selection Case Studies Entrepreneurial spirit, customer service, innovation and grit are some of the keys to running a successful business. Perhaps just as important, though – at least from a financial perspective – is the entity type that a company adopts. Part I on this topic outlined the legal
- [Vacation Home Tax Treatment](https://austinwealthmgmt.com/vacation-home-tax-treatment/) - If you plan to own a vacation home, you probably already can envision your dream site. It could be a cozy mountain chalet, a relaxed beach house within earshot of the surf or a luxurious apartment overlooking the New York City skyline. You probably also have thought of whether to treat the property strictly as
- [Netflix "How to Get Rich" Insights](https://austinwealthmgmt.com/netflix-how-to-get-rich-insights/) - What can Netflix teach us about our money? You may be surprised how relevant the lessons can be. In his new documentary series “How to Get Rich,” financial podcast host Ramit Sethi highlights the importance of developing a plan for money instead of spending reactively. “How to Get Rich” also shows why automation and accountability
- [Legal Documents for Young Adults](https://austinwealthmgmt.com/legal-documents-for-young-adults/) - Did your son or daughter just turn 18? Chances are that they are about to start college and are looking forward to this exciting phase of life. You might not feel your child is fully grown and that they are ready to take charge of their life, but the reality is that they are
- [Investing in AI](https://austinwealthmgmt.com/investing-in-ai/) - Marc Andreessen, perhaps the most influential venture capitalist, offers a simple definition of artificial intelligence: "The application of mathematics and software code to teach computers how to understand, synthesize, and generate knowledge in ways similar to how people do it." He recently wrote about why we should embrace AI rather than fear it. ChatGPT is the earliest
- [What to Do With a Lump Sum of Cash?](https://austinwealthmgmt.com/what-to-do-with-a-lump-sum-of-cash/) - Having a pile of cash in the bank is usually a good thing, but it requires some stressful decision making. How much can we spend (YOLO!)? How much should we save? What about taxes? Should we pay down our mortgage? The cash could be from a bonus, an inheritance, a business distribution after a profitable
- [Your Rental vs the Market?](https://austinwealthmgmt.com/your-rental-vs-the-market/) - Thinking about buying a real estate investment property? With interest rates on investment property mortgages near 8%, it is more difficult to generate positive cash flow on these properties than even a year ago. Investors who can pay for a property with all cash will have much better cash flow, but in either case, the
- [A Case of Bad Breadth](https://austinwealthmgmt.com/a-case-of-bad-breadth/) - Through much of the year, strong year-to-date gains have been touted, and even despite a near 10% selloff since July, the S&P 500 remains up over 8.5% year to date. However, that strength has come from an ever narrowing list of companies. Their performance has been so fantastic they’ve been dubbed the “Magnificent Seven” in
- [Open Enrollment Decisions](https://austinwealthmgmt.com/open-enrollment-decisions/) - Early fall is open enrollment season for employer-provided benefits, as well as for Medicare. Open enrollment is a crucial time to review – and possibly update – your selections for health insurance, life insurance, disability insurance and more. Which open enrollment timeline applies to you? W-2 employees: Typically runs from mid-October to the end of
- [Helping Your Teenagers Build Credit](https://austinwealthmgmt.com/helping-your-teenagers-build-credit/) - Parents often have questions about the best ways to help their kids develop wise money habits. Common questions relate to when and how to start teenagers down the path of responsible credit card use. Teens under 18 cannot open a card in their own name, but parents can add them as authorized users on their
- [2024 Retirement Plan Limit Changes](https://austinwealthmgmt.com/2024-retirement-plan-limit-changes/) - The IRS recently announced that the maximum contribution for various investment accounts has increased for 2024. 401(k), 403(b), most 457 plans, Thrift Savings Plan Employee contribution limit: $23,000 That equals $958.33 per paycheck if you get paid twice a month That equals $884.62 per paycheck if you get paid every two weeks Catch-up contribution for
- [my529 Account Prepaid Access Card](https://austinwealthmgmt.com/my529-account-prepaid-access-card/) - A 529 account is an excellent vehicle to save money for kids' education. The contributions grow tax-free, and withdrawals from the account are tax exempt as long as they are used for qualified educational purposes. A list of qualified educational expenses can be found on the IRS website. The challenging part has always been to
- [Qualified Charitable Distribution: Philanthropic Impact Meets Tax Savings](https://austinwealthmgmt.com/qualified-charitable-distribution-philanthropic-impact-meets-tax-savings/) - Good news: Through hard work, savings and diligent investing, you retired with $1 million or more in pre-tax IRA funds! Bad news: The government wants its piece of the pie and starts taxing your IRAs in your 70s. Now back to good news: If you support charitable causes, you can do that while also limiting
- [T-Bill & Chill](https://austinwealthmgmt.com/t-bill-chill/) - Hop in the time machine with me. You could have bought a 30 year Treasury Bond in 1981 yielding 15% annual income! That income was backed by the taxing authority of the United States Treasury, so it was pretty safe. A $2,000,000 investment in that bond would receive $300,000 per year for 30 years... with
- [Pay Yourself First: What to Do When You Receive a Raise](https://austinwealthmgmt.com/pay-yourself-first-what-to-do-when-you-receive-a-raise/) - Many companies conduct performance reviews and announce employee pay raises toward the end of February or in March. As a smart, creative go-getter, you most likely have great news on the way! But how do you put your higher pay to the best use? You may have experienced a scenario like this in the past:
- [2024 Q2 Investor Update](https://austinwealthmgmt.com/2024-q2-investor-update/) - This month we want to highlight some of the key takeaways from our quarterly update video as well as expand on a couple of areas that may be in focus in the months ahead. Signs of life in the global economy and US manufacturing. While the US appears to have sidestepped a recession, the global
- [Using Dollar-Cost Averaging to Reduce Risk](https://austinwealthmgmt.com/using-dollar-cost-averaging-to-reduce-risk/) - Investing a large sum of money can be daunting, especially with the uncertainty of market fluctuations. Enter dollar-cost averaging (DCA), a strategy designed to help investors manage risk by spreading their investments over time. By consistently investing a fixed amount, regardless of market conditions, DCA offers several key benefits that can enhance the investment experience.
- [Transferring Funds from a 529 to a Roth IRA](https://austinwealthmgmt.com/transferring-funds-from-a-529-to-a-roth-ira/) - A 529 account can be a great tool for saving for college. Investment growth is tax-free, and so are the withdrawals (if used for qualifying education expenses). In many parts of the country, state income tax deductions are available for 529 contributions. Those all are reasons to contribute to a 529 account early and often.
- [Dealing With The Dips](https://austinwealthmgmt.com/dealing-with-the-dips/) - Employees get paid for doing work. Investors get paid for taking risk. Risk is the chance of losing value between the time of purchase and sale. We experience risk when the value of an asset falls while we own it. Sometimes it falls a little and we call it a dip. Sometimes it falls a
- [Tax Planning Strategies Before Year End](https://austinwealthmgmt.com/tax-planning-strategies-before-year-end/) - Review your tax strategy for 2024! Maximize savings with tips on withholdings, retirement, stock options, Roth conversions, and business owner opportunities.
- [Setting Up a Retirement Plan for Your Business](https://austinwealthmgmt.com/setting-up-a-retirement-plan-for-your-business/) - It’s a tough labor market, and retaining the best talent is a challenge for many businesses. One way to attract and keep skilled team members is to offer a 401(k) plan with a match that sets you apart from your competitors. It’s important to set up the plan the right way to give you as
- [Optimizing Your Company's Cash Reserves](https://austinwealthmgmt.com/optimizing-your-companys-cash-reserves/) - Most individuals and businesses are familiar with traditional checking accounts. However, there are other options that can offer higher interest rates while providing similar levels of protection as traditional checking and savings accounts. The key is understanding your immediate cash management needs and your short term cash management needs, so you can separate your cash
- [Identifying the Most Important Indicators for Your Business](https://austinwealthmgmt.com/identifying-the-most-important-indicators-for-your-business/) - Key Performance Indicators (KPIs) are essential tools for managing a business effectively. They provide measurable metrics that assess the success of strategies and operations. By tracking KPIs, businesses can make informed decisions, improve performance, and drive growth. Each industry is different, but these important KPIs apply to almost every business: Net Profit Net Profit Margin
- [Bitcoin!](https://austinwealthmgmt.com/bitcoin/) - A lot has changed with Bitcoin since our 2021 blog post, so it's time for an update. Bitcoin has achieved staying power. With a total market value of about $2 trillion, it probably isn’t going away unless its cryptography is broken or it is somehow banned by the government. Those risks are real. The rise of
- [Important Numbers for 2025](https://austinwealthmgmt.com/important-numbers-for-2025/) - Below are key changes for 2025 recently released by the IRS. Please contact your AWM advisor if you have questions or need clarifying information for your particular situation. SOCIAL SECURITY 2.5 percent cost-of-living adjustment, effective with benefits payable in January 2025 Maximum earnings subject to Social Security tax: $176,100 (v. $168,600 for 2024). This shows up
- [The Post-Election Markets](https://austinwealthmgmt.com/the-post-election-markets/) - The elections are over. Some of you are distraught and some are elated - we know because we have both types of conversations every day. It was stressful for everyone because of the uncertainty, but the sun rises again and we can move forward with what we know. Long-term investors will experience many presidents and
- [Market Forecasts, Mega Stocks, and the Year Ahead](https://austinwealthmgmt.com/market-forecasts-mega-stocks-and-the-year-ahead/) - The image below reflects what I imagine the world's greatest stock market forecaster envisions when she closes her eyes. All of the millions of variables perfectly connected into a beautiful coherent understanding of how it all works: Imagine a formula that compiles all of these variables into an accurate prediction about the stock market: tariffs,
- [Matt on Markets: Palpable Concerns](https://austinwealthmgmt.com/matt-on-markets-palpable-concerns/) - It is generally an exercise in futility to ascribe a single issue to a decline in market prices, particularly on a day-to-day basis. The raft of policy measures being proposed and the speed with which they’re being implemented by the new administration make it all the more dizzying to pinpoint the exact cause. Moreover, we
- [I Inherited an IRA. Now What?](https://austinwealthmgmt.com/i-inherited-an-ira-now-what/) - An Individual Retirement Account (IRA) is one of the most common assets to inherit. By some estimates, $84 trillion of assets could move from older generations to younger generations in the next two decades. If you inherited an IRA, it can be a significant windfall, but the associated rules and provisions can also be confusing.
- [An Alternative Stock Market Story](https://austinwealthmgmt.com/an-alternative-stock-market-story/) - Imagine you’re baking a cake, but instead of carefully measuring the ingredients, you you overdo it on sugar to appeal to your inner child. The cake might taste okay at first, but it’s not balanced—and eventually, it could collapse or make you sick. That’s a bit like what’s happening in the stock market with passive
- [Tariff-Related Trauma and Your Portfolio](https://austinwealthmgmt.com/tariff-related-trauma-and-your-portfolio/) - When the headlines scream tariffs, investors flinch—and markets tend to lurch. That’s exactly what happened recently as new tariff announcements triggered a sharp decline in the U.S. stock market. But what’s really going on? Let’s unpack it. Who Actually Pays Tariffs? Despite common political narratives, tariffs are essentially taxes on U.S. companies that import goods.
- [Tax Planning Starts After Tax Filing](https://austinwealthmgmt.com/tax-planning-starts-after-tax-filing/) - While tax season may be behind us, thoughtful income tax planning is a year-round effort—and a critical piece of long-term financial success. Reviewing your completed tax return reveals inefficiencies and missed opportunities from the prior year. However, navigating a complex tax return can be difficult, and keeping up with all the changing tax laws can
- [Big Beautiful Bill - The Tax Impact](https://austinwealthmgmt.com/big-beautiful-bill-tax-impact/) - The much anticipated One Big Beautiful Bill Act (OBBBA) was signed into law on July 4th, 2025. The new legislation is an extension of the 2017 Tax Cuts and Jobs Act (TCJA) making many of the provisions permanent. It also introduced some additional changes that might affect individuals and businesses. Below we highlight some of
- [Final Countdown: Your Year-End Contribution and Transaction Deadlines](https://austinwealthmgmt.com/final-countdown-your-year-end-contribution-and-transaction-deadlines/) - December is a good time to review deadlines for contributions, distributions, charitable giving, and account updates. Many account actions must be completed before December 31 to count for the 2025 tax year, and processing times can vary depending on the type of request. Below is a simple guide to help ensure everything is submitted on
- [New 2026 IRS Limits: Bigger Breaks, Bigger Planning Opportunities](https://austinwealthmgmt.com/new-2026-irs-limits-bigger-breaks-bigger-planning-opportunities/) - The IRS and Social Security Administration have released key numbers for 2026, including new federal income tax brackets, a higher standard deduction, bigger retirement and HSA contribution limits, and updated Social Security benefits and wage caps. In addition, several provisions from the One Big Beautiful Bill Act (OBBBA) become effective in 2026, affecting deductions, credits,
- [How Portfolio Rebalancing and Tax-Loss Harvesting Help Austin Wealth Management Improve Client Outcomes](https://austinwealthmgmt.com/how-portfolio-rebalancing-and-tax-loss-harvesting-help-austin-wealth-management-improve-client-outcomes/) - Behind every AWM advisor is a dedicated team of investment professionals meticulously looking at each client account and watching for opportunities to improve our clients investment performance, while making sure their strategy is followed to a tee. Two of the most powerful tools we use to achieve this are rebalancing and tax loss harvesting. Most
- [Charitable Giving 101: A Beginner’s Guide to Tax-Smart Donation Strategies](https://austinwealthmgmt.com/charitable-giving-101-a-beginners-guide-to-tax-smart-donation-strategies/) - The holiday season is upon us, and with that often comes a desire to give back. Whether through volunteering your time, sharing your expertise, or donating resources like clothing, food, and money, there are many ways to support the communities and causes we care about. If you’re feeling charitably inclined this holiday season, there are

## Pages

- [<span>All of the financial options, <br>none of the pressure.</span>](https://austinwealthmgmt.com/) - Connect with experienced financial advisors at Austin Wealth Management in Austin, TX. Explore services and start planning your financial future today.
- [Trump Savings Accounts](https://austinwealthmgmt.com/trump-savings-accounts/) - Trump Savings Accounts | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Disclosure Documents](https://austinwealthmgmt.com/disclosure-documents/) - Disclosure Documents | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Careers](https://austinwealthmgmt.com/careers/) - Careers | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Accessing Your 2025 Tax Documents](https://austinwealthmgmt.com/accessing-your-2025-tax-documents/) - Accessing Your 2025 Tax Documents | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Meet Your Team](https://austinwealthmgmt.com/team/) - Get to know the dedicated financial planners at Austin Wealth Management in Austin, TX. Meet the team and learn how they support your financial goals.
- [401(k) & Retirement Planning for Small Businesses](https://austinwealthmgmt.com/401pro/) - Plan for retirement with guidance from Austin Wealth Management in Austin. Contact us to see how our retirement planning services can support your future goals.
- [Contact Austin Wealth Management](https://austinwealthmgmt.com/contact-us/) - Reach out to our team at Austin Wealth Management in Austin, TX. Contact us to schedule a consultation or ask about our financial planning strategies today!
- [Choosing the Right Path for Your Plan](https://austinwealthmgmt.com/investing/) - Explore personalized investment planning tailored to your goals. Contact Austin Wealth Management to learn how we can help you build your financial future.
- [We Can Help You Make a Plan](https://austinwealthmgmt.com/planning/) - Austin Wealth Management offers fiduciary financial planning in Austin, TX. Discover how our services help align your strategy with your financial needs.
- [Make an Appointment](https://austinwealthmgmt.com/make-an-appointment/) - Make an Appointment | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Client Access](https://austinwealthmgmt.com/client-access/) - Client Access | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Podcasts](https://austinwealthmgmt.com/podcasts/) - Podcasts | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Newsletters](https://austinwealthmgmt.com/newsletters/) - Newsletters | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Videos](https://austinwealthmgmt.com/videos/) - Videos | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Education](https://austinwealthmgmt.com/education/) - Understanding the core concepts behind investing, budgeting, insurance, debt and taxes allows you to be more confident about your financial situation.
- [Advocacy](https://austinwealthmgmt.com/advocacy/) - Financial advice you can trust
- [Accountability](https://austinwealthmgmt.com/accountability/) - We help you stay on track to reach your financial goals.

## Team Members

- [Julia Wasson](https://austinwealthmgmt.com/staff/julia-wasson/) - Julia Wasson | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Erin Hay, CFA](https://austinwealthmgmt.com/staff/erin-hay-cfa/) - Erin Hay, CFA | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Haley Spies](https://austinwealthmgmt.com/staff/haley-spies/) - Haley Spies | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Brooke Cole](https://austinwealthmgmt.com/staff/brooke-cole/) - Brooke Cole | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Julie Hayes, MA](https://austinwealthmgmt.com/staff/julie-hayes-ma/) - Julie Hayes, MA | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Kevin X. Smith, CFA](https://austinwealthmgmt.com/staff/kevin-x-smith-cfa/) - Kevin X. Smith, CFA | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Nader Youssef](https://austinwealthmgmt.com/staff/nader-youssef/) - Nader Youssef | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Cody Kesterke](https://austinwealthmgmt.com/staff/cody-kesterke/) - Cody Kesterke | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Sheila Schmitt](https://austinwealthmgmt.com/staff/sheila-schmitt/) - Sheila Schmitt | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Nikki Yates, CFP®](https://austinwealthmgmt.com/staff/nikki-yates-cfp/) - Nikki Yates, CFP® | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Anna Bell Gall, MPP](https://austinwealthmgmt.com/staff/anna-bell-gall/) - Anna Bell Gall, MPP | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Jaci Osborne](https://austinwealthmgmt.com/staff/jaci-osborne/) - Jaci Osborne | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Manisha Gupta, CFP®, MBA](https://austinwealthmgmt.com/staff/manisha-gupta/) - Manisha Gupta, CFP®, MBA | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Shane McDougald, CFP<sup>®</sup>](https://austinwealthmgmt.com/staff/shane-mcdougald-cfp/) - Shane McDougald, CFP® | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [John Toungate, CFP<sup>®</sup>](https://austinwealthmgmt.com/staff/john-toungate-cfp/) - John Toungate, CFP® | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Derek Ripp, CFP<sup>®</sup>, CEPA](https://austinwealthmgmt.com/staff/derek-ripp-cfp/) - Derek Ripp, CFP®, CEPA | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [David Lowe, CFP<sup>®</sup>](https://austinwealthmgmt.com/staff/david-lowe/) - David Lowe, CFP® | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Jennifer Martin](https://austinwealthmgmt.com/staff/jennifer-martin/) - Jennifer Martin | Austin Wealth Management | Gain a New Perspective on Your Financial Future

## Client Stories

- [Selecting the Right Pension Payout](https://austinwealthmgmt.com/client-story/selecting-the-right-pension-payout/) - Selecting the Right Pension Payout | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Great Income, Lots of Debt: Now What?](https://austinwealthmgmt.com/client-story/great-income-lots-of-debt-now-what/) - Great Income, Lots of Debt: Now What? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Going it Alone](https://austinwealthmgmt.com/client-story/going-it-alone/) - Going it Alone | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Stuck in My Own Business](https://austinwealthmgmt.com/client-story/stuck-in-my-own-business/) - Stuck in My Own Business | Austin Wealth Management | Gain a New Perspective on Your Financial Future

## Designations

- [CFA (Chartered Financial Analyst)](https://austinwealthmgmt.com/designation/cfa-chartered-financial-analyst/) - CFA (Chartered Financial Analyst) | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [CFP® (Certified Financial Planner)](https://austinwealthmgmt.com/designation/cfp-certified-financial-planner/) - CFP® (Certified Financial Planner) | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [CPA (Certified Public Accountant)](https://austinwealthmgmt.com/designation/cpa-certified-public-accountant/) - CPA (Certified Public Accountant) | Austin Wealth Management | Gain a New Perspective on Your Financial Future

## Locations

- [North Office](https://austinwealthmgmt.com/location/south/) - North Office | Austin Wealth Management | Gain a New Perspective on Your Financial Future

## Careers

- [Financial Planner](https://austinwealthmgmt.com/career/financial-planner/) - Financial Planner | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Investment Operations Associate](https://austinwealthmgmt.com/career/investment-administrator/) - Investment Operations Associate | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Client Service Associate](https://austinwealthmgmt.com/career/client-service-associate-3/) - Client Service Associate | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Client Service Associate](https://austinwealthmgmt.com/career/client-service-associate-2/) - Client Service Associate | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Trading & Data Specialist](https://austinwealthmgmt.com/career/trading-data-specialist/) - Trading & Data Specialist | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Senior Investment Operations Specialist](https://austinwealthmgmt.com/career/senior-investment-operations-specialist/) - Senior Investment Operations Specialist | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Office Manager / Client Service Associate](https://austinwealthmgmt.com/career/office-manager-client-service-associate/) - Office Manager / Client Service Associate | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Senior Financial Advisor](https://austinwealthmgmt.com/career/senior-financial-advisor/) - Senior Financial Advisor | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Portfolio Administrator](https://austinwealthmgmt.com/career/portfolio-administrator/) - Portfolio Administrator | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Client Service Associate](https://austinwealthmgmt.com/career/client-service-associate/) - Client Service Associate | Austin Wealth Management | Gain a New Perspective on Your Financial Future

## Videos

- [The Politics of Growth in Austin w/ Jack Craver](https://austinwealthmgmt.com/video/the-politics-of-growth-in-austin-w-jack-craver/) - The Politics of Growth in Austin w/ Jack Craver | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [2024 Q2 Investor Update](https://austinwealthmgmt.com/video/2024-q2-investor-update/) - 2024 Q2 Investor Update | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [401(k) Tax Credits](https://austinwealthmgmt.com/video/401k-tax-credits/) - 401(k) Tax Credits | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Exit Planning: Maximizing the Value of Your Business](https://austinwealthmgmt.com/video/exit-planning-5-stages-of-value-maturity/) - Exit Planning: Maximizing the Value of Your Business | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Long-Term Disability Insurance](https://austinwealthmgmt.com/video/long-term-disability-insurance/) - Long-Term Disability Insurance | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Basic Estate Planning Documents](https://austinwealthmgmt.com/video/basic-estate-planning-documents/) - Basic Estate Planning Documents | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [ESPP Taxation](https://austinwealthmgmt.com/video/espp-taxation/) - ESPP Taxation | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [401(k) Loans and In-Service Withdrawals](https://austinwealthmgmt.com/video/401k-loans-and-in-service-withdrawals/) - 401(k) Loans and In-Service Withdrawals | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Health Savings Accounts](https://austinwealthmgmt.com/video/health-savings-accounts/) - Health Savings Accounts | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Business Exit Planning](https://austinwealthmgmt.com/video/exit-planning/) - Business Exit Planning | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [FDIC Coverage and Account Ownership Types](https://austinwealthmgmt.com/video/fdic-coverage-and-account-ownership-types/) - FDIC Coverage and Account Ownership Types | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Restricted Stock Units](https://austinwealthmgmt.com/video/restricted-stock-units/) - Restricted Stock Units | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [ESPP Basics](https://austinwealthmgmt.com/video/espp-basics/) - ESPP Basics | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Incentive Stock Options](https://austinwealthmgmt.com/video/incentive-stock-options/) - Incentive Stock Options | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Small Business Retirement Plan: 401(k)](https://austinwealthmgmt.com/video/small-business-retirement-plan-401k/) - Small Business Retirement Plan: 401(k) | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Qualified Retirement Plans: Advanced Plan Design](https://austinwealthmgmt.com/video/qualified-retirement-plans-advanced-plan-design/) - Qualified Retirement Plans: Advanced Plan Design | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [SEP IRAs](https://austinwealthmgmt.com/video/sep-iras/) - SEP IRAs | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Individual 401(k)](https://austinwealthmgmt.com/video/individual-401k/) - Individual 401(k) | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Financial Planning v. Investment Management](https://austinwealthmgmt.com/video/financial-planning-v-investment-management/) - Financial Planning v. Investment Management | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Post-Tax 401(k) Contributions](https://austinwealthmgmt.com/video/post-tax-401k-contributions/) - Post-Tax 401(k) Contributions | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [HELOC vs. Cash-Out Refinance](https://austinwealthmgmt.com/video/heloc-vs-cash-out-refinance/) - HELOC vs. Cash-Out Refinance | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Mutual Funds v. ETFs](https://austinwealthmgmt.com/video/mutual-funds-v-etfs/) - Mutual Funds v. ETFs | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Active v. Passive Investing](https://austinwealthmgmt.com/video/active-v-passive-investing/) - Active v. Passive Investing | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Types of Retirement Plans](https://austinwealthmgmt.com/video/types-of-retirement-plans/) - Types of Retirement Plans | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Tax Loss Harvesting](https://austinwealthmgmt.com/video/tax-loss-harvesting/) - Tax Loss Harvesting | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Understanding the 1031 Exchange](https://austinwealthmgmt.com/video/understanding-the-1031-exchange/) - Understanding the 1031 Exchange | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Term Life Insurance: How much and how long?](https://austinwealthmgmt.com/video/term-life-insurance-how-much-and-how-long/) - Term Life Insurance: How much and how long? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [The Roth Conversion Strategy](https://austinwealthmgmt.com/video/the-roth-conversion-strategy/) - The Roth Conversion Strategy | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Inflation, the dog that isn't barking](https://austinwealthmgmt.com/video/inflation-the-dog-that-isnt-barking/) - Inflation, the dog that isn’t barking | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Lessons from our 20s](https://austinwealthmgmt.com/video/lessons-from-our-20s/) - Lessons from our 20s | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Breaking away, working for yourself w/ Kevin McLaughlin](https://austinwealthmgmt.com/video/breaking-away-working-for-yourself-w-kevin-mclaughlin/) - Breaking away, working for yourself w/ Kevin McLaughlin | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [20-30% of investors sold during the crash](https://austinwealthmgmt.com/video/20-30-of-investors-sold-during-the-crash/) - 20-30% of investors sold during the crash | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Practical real estate investing w/ Debbie Trominski](https://austinwealthmgmt.com/video/practical-real-estate-investing-w-debbie-trominski/) - Practical real estate investing w/ Debbie Trominski | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Can Millennials realistically save 20%?](https://austinwealthmgmt.com/video/can-millennials-realistically-save-20/) - Can Millennials realistically save 20%? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Thinking about becoming a financial planner?](https://austinwealthmgmt.com/video/thinking-about-becoming-a-financial-planner/) - Thinking about becoming a financial planner? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Investing In Line with Your Values (ESG investing)](https://austinwealthmgmt.com/video/investing-in-line-with-your-values-esg-investing/) - Investing In Line with Your Values (ESG investing) | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Remodeling in Austin w/ Carina Coel](https://austinwealthmgmt.com/video/remodeling-in-austin-w-carina-coel/) - Remodeling in Austin w/ Carina Coel | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Sports gambling within a financial plan](https://austinwealthmgmt.com/video/sports-gambling-within-a-financial-plan/) - Sports gambling within a financial plan | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Yes or no to vacation rental property?](https://austinwealthmgmt.com/video/yes-or-no-to-vacation-rental-property/) - Yes or no to vacation rental property? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Applying investment research w/ Apollo Lupescu](https://austinwealthmgmt.com/video/applying-investment-research-w-apollo-lupescu/) - Applying investment research w/ Apollo Lupescu | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Modern accounting services w/ Marc Berger](https://austinwealthmgmt.com/video/modern-accounting-services-w-marc-berger/) - Modern accounting services w/ Marc Berger | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Are millennials value investors?](https://austinwealthmgmt.com/video/are-millennials-value-investors/) - Are millennials value investors? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Why are stocks so high?](https://austinwealthmgmt.com/video/why-are-stocks-so-high/) - Why are stocks so high? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [The most underrated insurance](https://austinwealthmgmt.com/video/the-most-underrated-insurance/) - The most underrated insurance | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Do I need this whole life policy?](https://austinwealthmgmt.com/video/do-i-need-this-whole-life-policy/) - Do I need this whole life policy? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Building a house without going broke](https://austinwealthmgmt.com/video/building-a-house-without-going-broke/) - Building a house without going broke | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Index funds out, day trading in?](https://austinwealthmgmt.com/video/index-funds-out-day-trading-in/) - Index funds out, day trading in? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Building a financial fortress](https://austinwealthmgmt.com/video/building-a-financial-fortress/) - Building a financial fortress | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Rapid: Apple/S&P, Buy/Rent, Roth/401k, $100k to invest](https://austinwealthmgmt.com/video/rapid-fire-apple-sp-buy-rent-roth-401k-100k/) - Rapid: Apple/S&P, Buy/Rent, Roth/401k, $100k to invest | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Mortgage decisions w/ Nick Flanagan](https://austinwealthmgmt.com/video/mortgage-decisions-w-nick-flanagan/) - Mortgage decisions w/ Nick Flanagan | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Great companies at bad prices](https://austinwealthmgmt.com/video/great-companies-at-bad-prices/) - Great companies at bad prices | Austin Wealth Management | Gain a New Perspective on Your Financial Future

## Podcasts

- [Ep. 40: Money Communication in Marriage - July 2025](https://austinwealthmgmt.com/podcast/ep-40-money-communication-in-marriage-july-2025/) - Ep. 40: Money Communication in Marriage – July 2025 | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 39: Medicare Enrollment Options - September 2024](https://austinwealthmgmt.com/podcast/medicare-enrollment-options/) - Ep. 39: Medicare Enrollment Options – September 2024 | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 38: Avoiding Surprise Tax Bills - August 2024](https://austinwealthmgmt.com/podcast/ep-38-avoiding-surprise-tax-bills-august-2024/) - Ep. 38: Avoiding Surprise Tax Bills – August 2024 | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 37: Making Your Business a Top-Performing Team - March 2024](https://austinwealthmgmt.com/podcast/making-your-business-a-top-performing-team/) - Ep. 37: Making Your Business a Top-Performing Team – March 2024 | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 36: Personalizing the College Preparation Process - January 2024](https://austinwealthmgmt.com/podcast/personalizing-the-college-preparation-process/) - Ep. 36: Personalizing the College Preparation Process – January 2024 | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 35: Riding the Waves of Managed Futures - November 2023](https://austinwealthmgmt.com/podcast/riding-the-waves-of-managed-futures/) - Ep. 35: Riding the Waves of Managed Futures – November 2023 | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 32: Winning the Credit Card Game](https://austinwealthmgmt.com/podcast/ep-32-winning-the-credit-card-game/) - Ep. 32: Winning the Credit Card Game | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 34: Last Will or Living Trust?](https://austinwealthmgmt.com/podcast/ep-34/) - Ep. 34: Last Will or Living Trust? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 33: A Holistic Approach to Systematic Value](https://austinwealthmgmt.com/podcast/ep-33-a-holistic-approach-to-systematic-value/) - Ep. 33: A Holistic Approach to Systematic Value | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 31: Seeking High Interest and Low Risk](https://austinwealthmgmt.com/podcast/ep-31-seeking-high-interest-and-low-risk/) - Ep. 31: Seeking High Interest and Low Risk | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 30: Mortgages - Every Point Counts](https://austinwealthmgmt.com/podcast/ep-30-mortgages-every-point-counts/) - Ep. 30: Mortgages – Every Point Counts | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 29: All That Glitters: A Brief History of Gold](https://austinwealthmgmt.com/podcast/ep-29-all-that-glitters-a-brief-history-of-gold/) - Ep. 29: All That Glitters: A Brief History of Gold | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 28: Questioning the Nature of Index Investing Reality](https://austinwealthmgmt.com/podcast/ep-28-questioning-the-nature-of-index-investing-reality/) - Ep 28: Questioning the Nature of Index Investing Reality | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 27: Adapting to a Different Real Estate Market](https://austinwealthmgmt.com/podcast/ep-27-adapting-to-a-different-real-estate-market/) - Ep 27: Adapting to a Different Real Estate Market | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 26: Busted Bonds](https://austinwealthmgmt.com/podcast/ep-26-busted-bonds/) - Ep 26: Busted Bonds | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 25: Levels of Tax Efficiency](https://austinwealthmgmt.com/podcast/ep-25-levels-of-tax-efficiency/) - Ep 25: Levels of Tax Efficiency | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 24: Not Stocks, Not Bonds, What Else? Part 2: Trading Strategies](https://austinwealthmgmt.com/podcast/ep-24-not-stocks-not-bonds-what-else-part-2-trading-strategies/) - Ep 24: Not Stocks, Not Bonds, What Else? Part 2: Trading Strategies | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 23: Not stocks, not bonds, what else? Part 1: Real Assets](https://austinwealthmgmt.com/podcast/ep-23-not-stocks-not-bonds-what-else-part-1-real-assets/) - Ep 23: Not stocks, not bonds, what else? Part 1: Real Assets | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 22: You got company stock! Now what?](https://austinwealthmgmt.com/podcast/ep-22-you-got-company-stock-now-what/) - Ep 22: You got company stock! Now what? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 13: What to do with all that equity?](https://austinwealthmgmt.com/podcast/ep-13-what-to-do-with-all-that-equity/) - Ep. 13: What to do with all that equity? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep. 14: Inflation & Aliens](https://austinwealthmgmt.com/podcast/ep-14-inflation-aliens/) - Ep. 14: Inflation & Aliens | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 15: Maverick Investing](https://austinwealthmgmt.com/podcast/ep-15-maverick-investing/) - Ep 15: Maverick Investing | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 16: Investing in Commercial Real Estate](https://austinwealthmgmt.com/podcast/ep-16-investing-in-commercial-real-estate/) - Ep 16: Investing in Commercial Real Estate | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 17: So Much Cash, So Little Interest](https://austinwealthmgmt.com/podcast/ep-17-lots-cash-little-interest/) - Ep 17: So Much Cash, So Little Interest | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 18: Passwords Are Not Enough](https://austinwealthmgmt.com/podcast/ep-18-passwords-are-not-enough/) - Ep 18: Passwords Are Not Enough | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 19: Investing for the Next Decade](https://austinwealthmgmt.com/podcast/ep-19-investing-for-the-next-decade/) - Ep 19: Investing for the Next Decade | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 21: All I want for Christmas is an NFT](https://austinwealthmgmt.com/podcast/ep-21-all-i-want-for-christmas-is-an-nft/) - Ep 21: All I want for Christmas is an NFT | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 20: Optimizing Health Insurance](https://austinwealthmgmt.com/podcast/ep-20-optimizing-health-insurance/) - Ep 20: Optimizing Health Insurance | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 2: Residential Real Estate Investing](https://austinwealthmgmt.com/podcast/ep-2-residential-real-estate-investing/) - Ep 2: Residential Real Estate Investing | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 12: Trends in Personal Finance](https://austinwealthmgmt.com/podcast/ep-12-trends-in-personal-finance/) - Ep 12: Trends in Personal Finance | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 11: Medicare Guidance from an Advocate](https://austinwealthmgmt.com/podcast/ep-11-medicare-guidance-from-an-advocate/) - Ep 11: Medicare Guidance from an Advocate | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 10: Estate Planning is for Everyone](https://austinwealthmgmt.com/podcast/ep-10-estate-planning-is-for-everyone/) - Ep 10: Estate Planning is for Everyone | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 9: Property Insurance - Price vs. Quality](https://austinwealthmgmt.com/podcast/ep-9-property-insurance-price-vs-quality/) - Ep 9: Property Insurance – Price vs. Quality | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 8: Politics of Growth in Austin](https://austinwealthmgmt.com/podcast/ep-8-politics-of-growth-in-austin/) - Ep 8: Politics of Growth in Austin | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 7: Realities of Remodeling](https://austinwealthmgmt.com/podcast/ep-7-realities-of-remodeling/) - Ep 7: Realities of Remodeling | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 6: Investing For Good](https://austinwealthmgmt.com/podcast/ep-6-investing-for-good/) - Ep 6: Investing For Good | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 5: What happened in 2020?](https://austinwealthmgmt.com/podcast/ep-5-what-happened-in-2020/) - Ep 5: What happened in 2020? | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 1: Mortgages](https://austinwealthmgmt.com/podcast/ep-1-mortgages/) - Ep 1: Mortgages | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 4: Vacation Rentals](https://austinwealthmgmt.com/podcast/ep-4-vacation-rentals/) - Ep 4: Vacation Rentals | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Ep 3: Millennials](https://austinwealthmgmt.com/podcast/ep-3-millennials/) - Ep 3: Millennials | Austin Wealth Management | Gain a New Perspective on Your Financial Future

## Categories

- [Uncategorized](https://austinwealthmgmt.com/category/uncategorized/) - Uncategorized | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Insurance](https://austinwealthmgmt.com/category/insurance/) - Insurance | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Bonds](https://austinwealthmgmt.com/category/bonds/) - Bonds | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Investing](https://austinwealthmgmt.com/category/investing/) - Investing | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Loans](https://austinwealthmgmt.com/category/loans/) - Loans | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Stocks](https://austinwealthmgmt.com/category/stocks/) - Stocks | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Wealth Management System](https://austinwealthmgmt.com/category/wealth-management-system/) - Wealth Management System | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Estate Planning](https://austinwealthmgmt.com/category/estate-planning/) - Estate Planning | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Tax Planning](https://austinwealthmgmt.com/category/tax-planning/) - Tax Planning | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Events](https://austinwealthmgmt.com/category/events/) - Events | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [College](https://austinwealthmgmt.com/category/college/) - College | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Health Care](https://austinwealthmgmt.com/category/health-care/) - Health Care | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Social Security](https://austinwealthmgmt.com/category/social-security/) - Social Security | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Financial Security](https://austinwealthmgmt.com/category/financial-security/) - Financial Security | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Retirement](https://austinwealthmgmt.com/category/retirement/) - Retirement | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Charity](https://austinwealthmgmt.com/category/charity/) - Charity | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Strategy](https://austinwealthmgmt.com/category/investing/strategy/) - Strategy | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Saving](https://austinwealthmgmt.com/category/saving/) - Saving | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Inflation](https://austinwealthmgmt.com/category/inflation/) - Inflation | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Budget](https://austinwealthmgmt.com/category/budget/) - Budget | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Crypto / Web3](https://austinwealthmgmt.com/category/crypto-web3/) - Crypto / Web3 | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Employer Stock Plans](https://austinwealthmgmt.com/category/investing/employer-stock-plans/) - Employer Stock Plans | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Real Estate](https://austinwealthmgmt.com/category/real-estate/) - Real Estate | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Business](https://austinwealthmgmt.com/category/business/) - Business | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Employee Benefits](https://austinwealthmgmt.com/category/employee-benefits/) - Employee Benefits | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Credit Cards](https://austinwealthmgmt.com/category/credit-cards/) - Credit Cards | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Kids and Money](https://austinwealthmgmt.com/category/kids-and-money/) - Kids and Money | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [Generational Wealth](https://austinwealthmgmt.com/category/generational-wealth/) - Generational Wealth | Austin Wealth Management | Gain a New Perspective on Your Financial Future
- [World Events](https://austinwealthmgmt.com/category/world-events/) - World Events | Austin Wealth Management | Gain a New Perspective on Your Financial Future

## Tags

- [insurance](https://austinwealthmgmt.com/tag/insurance-2/)
- [BONDS](https://austinwealthmgmt.com/tag/bonds-2/)
- [INVESTING](https://austinwealthmgmt.com/tag/investing-2/)
- [LOANS](https://austinwealthmgmt.com/tag/loans-2/)
- [Gold](https://austinwealthmgmt.com/tag/gold/)
- [Retirement](https://austinwealthmgmt.com/tag/retirement/)
- [Investments](https://austinwealthmgmt.com/tag/investments/)
- [Graduates](https://austinwealthmgmt.com/tag/graduates/)
- [Stocks](https://austinwealthmgmt.com/tag/stocks/)
- [Estate Planning](https://austinwealthmgmt.com/tag/estate-planning/)
- [Tax Planning](https://austinwealthmgmt.com/tag/tax-planning/)
- [College](https://austinwealthmgmt.com/tag/college/)
- [Inflation](https://austinwealthmgmt.com/tag/inflation/)
- [Health care](https://austinwealthmgmt.com/tag/health-care/)
- [Real Estate](https://austinwealthmgmt.com/tag/real-estate/)
- [Budget](https://austinwealthmgmt.com/tag/budget/)
- [Cash Flow](https://austinwealthmgmt.com/tag/cash-flow/)
- [financial planner Austin](https://austinwealthmgmt.com/tag/financial-planner-austin/)
- [vacation home](https://austinwealthmgmt.com/tag/vacation-home/)
- [real estate investing](https://austinwealthmgmt.com/tag/real-estate-investing/)
- [Savings](https://austinwealthmgmt.com/tag/savings/)
- [Taxes](https://austinwealthmgmt.com/tag/taxes/)
- [Strategy](https://austinwealthmgmt.com/tag/strategy/)
- [Business owners](https://austinwealthmgmt.com/tag/business-owners/)
- [Crypto](https://austinwealthmgmt.com/tag/crypto/)
- [Bitcoin](https://austinwealthmgmt.com/tag/bitcoin/)
- [Stock Market](https://austinwealthmgmt.com/tag/stock-market/)
- [World Events](https://austinwealthmgmt.com/tag/world-events/)
- [Elections](https://austinwealthmgmt.com/tag/elections/)

## Channels

- [Can't Take it With You](https://austinwealthmgmt.com/channel/cant-take-it-with-you/) - Can't Take it With You | Austin Wealth Management | Gain a New Perspective on Your Financial Future

## Video Channels

- [The Tradeoff](https://austinwealthmgmt.com/video-channel/the-tradeoff/) - The Tradeoff | Austin Wealth Management | Gain a New Perspective on Your Financial Future