Got equity compensation? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, give a (very) brief overview of the different types and how they’re taxed. From ESPPs to ISOs, RSUs, and NSOs, this explainer will help you better understand your own equity comp. Want to learn more? Check out our companion blog, NSO, ISO, RSU, ESPP, and ESOP: Making Sense …

Free financial planning sounds great! But what if it’s not actually free? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, chat about some potential downsides of free financial advice in this episode. Learn what they are and how you can find the true cost of a “free" financial plan. Have a money or tax question for us? Send it to podcast@fpfoco.c…

What are the financial impacts of losing a loved one — and how should you navigate them as you mourn their loss? On today’s episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, explore how loss affects individuals financially. They also review actionable ways in which you can accept your own mortality and prepare so you can reduce strain on …

Check out our new website at fpfoco.com! There, you’ll find the new home of Money & Taxes from Bb to XYZ — and a whole lot more! Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no s…

In a world where hacks and data breaches seem constant, what can you do to protect yourself? With so much of your personal data tied to your financial life, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, review data security best practices — and what you can do to protect your credit and finances if you’ve been a victim of fraud. Plus, check ou…

As wildfires again burn where FPFoCo is based in Larimer County, Colorado, across the country, and beyond, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are reminded that preparedness is key. They’ll break down homeowners insurance considerations and policy areas to review for those in each generation, from baby boomers to generations X, Y, an…

What does it mean to be intentional when it comes to saving and spending? Let Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share their perspectives. From saving enough while enjoying your life, it’s all about balance. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future…

Relationships with work are changing. In this episode of Money & Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, discuss our evolving relationships with work and how members of each generation — from Baby boomers to X, Y, and Z — can intentionally enhance their work-life balance. Have a money or tax question for us? Send it…

Did you know that 25% of adults identify as being Childfree? Listen in as our first-ever special guest, Dr. Jay Zigmont, CFP®, Childfree Wealth Specialist®, founder and CEO of Childfree Wealth®, and host of the Childfree Wealth® podcast chats with Jason Speciner, CFP®, EA, and Regina Neenan, CFP®. They’ll discuss what being Childfree is, how it’s d…

Disability insurance is part of many employee benefit plans. But what do you do if you’re self-employed, if it’s not available to you through your employer, or if it doesn’t provide enough coverage? Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, break down ways for you to insure your income and why it’s important. Have a money or t…

This is not your typical episode of Money & Taxes from Bb to XYZ. It's an itty bitty minisode with a special invitation inside that's just for you. We invite you to give it a listen — and then email us at podcast@fpfoco.com. You probably know that Jason Speciner, CFP®, EA, always closes our episodes with, "We'll talk to you soon!" Join him and Regi…

Ever found yourself doing some fairly significant overspending but not really understanding its impact? Regina Neenan, CFP®, certainly has. Listen in as they and Jason Speciner, CFP®, EA, discuss the differences between having an ideal cash-flow plan on paper — and putting an actionable cash-flow plan in place. Plus, find out how you can recover fr…

What should you do when you need a financial reset in life? Whether the result of divorce or death of a spouse, job loss or landing your dream job, or just getting out on your own for the first time, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have some ideas for how you can navigate a critical money moment. Have a money or tax question for …

Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share their thoughts on the CFP® Board's recent advertising campaign, "It's gotta be a CFP®." Learn how they became CFP® professionals, some history behind the designation, and why choosing a CFP® pro is just the beginning. Have a money or tax question for us? Send it to podcast@fpfoco…

We’re back with an update on the IRS’s 2024 Dirty Dozen, the dirtiest tax scams and schemes of this tax season! Join Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, as they break down the half dozen ruses not covered in episode 26, Dirty Dozen: Tax Scams and Schemes! Plus, check out the FPFoCo blog on the 2024 Dirty Dozen! Have a money or tax qu…

Have you forgotten to add something to your financial plan? From left-out EFOFs to missed cars and forgotten “now” goals, we’ve seen it all. In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share some of the common items that clients have unintentionally left out from — and then added to — their financial plans. Have a money or t…

Stuff happens! What could you do if you were to face an unexpected expense? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share how they’ve handled their own surprise costs and the emotional toll they can bring. From a down market just after retirement or a pricier college education than planned to a vehicle breakdown or job loss, they’ll shar…

Heard of a tax filing technique that sounds too good to be true? It just might be! In this episode of Money & Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, go over the Internal Revenue Service’s list of the top 2023 tax scams and schemes so you can watch out for them this tax season. From email and text schemes to social …

Have you been feeling the inflation lately? After increasing early in the pandemic and reaching a peak in June 2022, inflation steadily declined through June of 2023 — and has more or less leveled out since then. When January’s inflation numbers were released last week, they showed a rate higher than expected. As we continue to deal with it, Jason …

Money and … romance? That’s right! It’s almost Valentine’s Day, so get ready to talk to your significant other about money — no matter which generation you and your love are part of. In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share how they communicate with their partners about financial topics and share some ideas so you a…

What does it take to make a house a home? There’s a lot more to it than renting or buying! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, will share ideas on how you might make that decision — and a whole lot more! From timing your mortgage payoff to downsizing and having roommates or living solo, you’ll learn what you may want to consider for …

What are your goals for 2024? From filling up your EFOF and contributing to your retirement savings to having some fun, let’s get planning! In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share their own goals for the new year, discuss how they can apply throughout the generations, and share takeaways that you can use as you ide…

The new year is almost here, and that means it’s time for some updates! To what? Standard deductions, phaseout ranges for retirement savings, retirement plan contribution limits, and so much more! Join Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, and get ready for 2024! Have a money or tax question for us? Send it to podcast@fpfoco.com, and J…

Get ready for 2024 income, saving, and spending with a new cash-flow plan for the new year! In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, talk you through what you should be considering in your annual budget. Plus, you can get started with Regina’s cash-flow planning worksheet here. Listen in and get planning today! Have a mon…

It’s officially the holiday season, and you know what that means: It’s time for giving! If you’re including monetary gifts to people or charitable giving in your holiday or end-of-year plans, listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share the rules and potential tax benefits. From QCDs, DAFs, and CRTs to cash gifts to people …

Making your first Roth IRA contribution? How about contributing to your Roth IRA through the backdoor? Or the behemoth mega-backdoor Roth? And don’t forget about Roth conversions! However you contribute or convert, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have ideas to share! No matter which generation you’re part of or how you’re Roth-in…

It might be early November, but the end of the year will be here before we know it! Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share what you can do to prepare and finish out the year strong. From open enrollment and insurance planning to budgeting, finishing your 2023 contributions, Roth conversions, tax planning, and more it’…

The spooky season has begun! In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, tell some horrific finance and tax stories. So gather around the fire, and get ready for a fright! Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might answer your question in a future episode! We’ll release a ne…

Ever wondered why someone would file a tax extension instead of filing their taxes by the deadline in April? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to explain! In this episode, we review why members of each generation might want to do just that along with the benefits of having six extra months to prepare and file their taxes. …

Open enrollment season is nearly here! Join Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, as they walk you through the trifecta of key employee benefits that everyone should have and share how you can choose the coverages that are right for you. If employee benefits are available for you, you won’t want to miss this episode! Have a money or ta…

Where do fitness and finance intersect? From expensive sports and health savings accounts to pre-Medicare financial independence and more, you just might be surprised! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share a bit about their stories and why it’s important to get started or continue on a health and fitness journey. Have a money or …

Tipping is ubiquitous in American culture, and it certainly impacts our finances. In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, talk tipping, taxes, and your takeaway tactics. We’ll discuss everything from baby boomers who maybe didn’t price today’s tipping trends into their retirement cash-flow plans to which generation might…

Have income and no kids? You might be a SINK or DINK! In this episode, Jason Speciner, CFP®, EA, and FPFoCo’s resident DINKWAC Regina Neenan, CFP®, talk money and taxes for our single income no kids and dual income no kids listeners. From what makes the childfree lifestyle unique financially for SINKs and DINKs to the cost of raising kids and more,…

Having savings in the bank that’s easy to access in a pinch is great … if you’rei intentional about it! But what should you do when it builds up and you don’t know what to do with that pile of cash? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, have some ideas to share! Plus, you’ll learn what an EFOF is — and how you can use this element of y…

Money regrets: If you have one, you’re not alone. In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, share the money mistakes that they’ve seen others make so that you can avoid them. Plus, they’ll share their own biggest money regrets. Have a money or tax question for us? Send it to podcast@fpfoco.com, and Jason or Regina might an…

Windfalls come in many forms from settlements to gifts, inheritances, life insurance proceeds — and even gambling winnings. Others can include big raises, equity compensation events, or property sales. Whatever your windfall, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, specialize in these critical money moments and are here to talk you throu…

On this edition of Money & Taxes from Bb to XYZ, we flip the script! Jason Speciner, CFP®, EA, hosts while Regina Neenan, CFP®, is in the hot seat, answering questions related to one of their specialties: Insurance planning! Beyond what life insurance is, you’ll learn what life insurance is really for as well as why some people should obtain a poli…

Tax season might just have ended for most of us, but is it too early to start planning your 2023 taxes? Of course not! Hear from Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, as Jason explains what he noticed most when preparing 2022 taxes — and what you can do now to avoid surprises for the 2023 tax season. Plus, learn why it’s a good idea to…

It’s almost summer, and that means vacation season is nearly here! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, chat about the financial aspects of one of their favorite topics: Travel! Hear some of our favorite tips and tricks as we share some of our own travel experiences with you. Have a money or tax question for us? Send it to podcast@fpf…

From keeping money under the mattress to investing in the market and gambling in Vegas, a very broad spectrum of risk exists — and it’s everywhere! Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, explore what it means and how it applies across generations so you can better understand your own relationship with risk. Have a money or tax question …

A penny saved is a penny earned — but you probably had to earn that penny to save it in the first place! So what matters more: What you make or what you keep? (Hint: It’s what you keep!) Learn why in this episode as Jason Speciner, CFP®, EA, and Regina Neenan, CFP® explore earnings and the importance of saving. You’ll learn tax-savvy ways in which …

Whether you’re working toward financial independence or retirement, what’s its start date? If you’re setting — or resetting — yours, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, will talk you through how to choose your when. We’ll explain why you should set a retirement date if being work-free or work-optional someday is a goal of yours. We’l…

Tax season is upon us! Whether you’re preparing to prepare yours for tax year 2022 or setting yourself up for success in 2023, we’ve got you covered. Jason Speciner, CFP®, EA (short for Enrolled Agent), and Regina Neenan, CFP®, will be your guides. Here’s some of what you’ll hear in this episode … Why some Baby boomers might not have to prepare and…

Introducing Money & Taxes from Bb to XYZ, the personal finance podcast for baby boomers as well as those in generations X, Y, and Z. Hosts Jason Speciner, CERTIFIED FINANCIAL PLANNER™ and Enrolled Agent, and Regina Neenan, CERTIFIED FINANCIAL PLANNER™, will break down a single money topic in each episode — and leave you with actionable tips at the …

In this episode, we’re still getting over the amazing E3 news this year! Finals are finally over, so we talk about how we’ll be graduating soon, finally saying goodbye to 2am tacos and weeklong gaming sessions ;_; Then in Retrogrades we’ll be tackling the amazing Hanna-Barbera animation Swat Kats along with the amazing musical Avenue Q! Can wailing…

RSU E3 Special - Post Mortem In our final installment for E3 we examine the conferences post mortem. What are the takeaways, who 'won', and what can gamers expect going forward? What are we most excited about? And who is our final special guest, who is definetly who he says he is? Find out in the final installment of our E3 coverage! Episode 6-5 - …

RSU E3 Special Simulivecast - Square Enix It's Squeenix time on the simulivecast! What delights await us in the square enix conference? Will they show Heavensward gameplay? What's going on with Just Cause 3? Will FFXV ever come out? Can it be, on the horizon... Kingdom Hearts 3? How will we react? Is the FFVII remake actually gonna be a thing? Holy…

RSU E3 Special Simulivecast - Ubisoft Our Special E3 simulive cast! Can Ubisoft amaze with their offerings of Rainbow Six, The Division, and whatever other spec scripts Tom Clancy has on his mantelpiece? Will my incompetent co-host lose our special guest, video game luminary Gabe Newell? Will UBI be able to follow the amazing Stick of Truth? Let's …

RSU E3 Special Simulive Cast - EA Our next installment of the simulivecast, this time commenting on the EA presentation. Watch as corporate chicanery eats away at our souls, and listen out for a special guest appearance by the pro-est of pro gamers, so pro he makes your mama wanna say 'Boys, get out ya pens and start taking notes! Your K/D doesn't …

RSU E3 Simulive Cast! - Xbone/Microsoft Play this over the e3 coverage, and it'll be like we're in the room with you! But don't talk to us or something, cause people'll think you're a weirdo! In this SIMULIVECAST, we comment on the XBONE E3 conference. Will corporate nepotism and cynicism kill us dead before the show's over? Will Microsoft's shady …