The State and Local Tax (SALT) deduction is getting its biggest update in years. In this episode of Gimme Some Truth, Clint, Alicia, and Nate break down the new law that raises the federal SALT cap from $10,000 to $40,000 starting in 2025, with limits that phase out for higher-income households and a temporary window that currently runs through 2029.

You’ll learn what counts as SALT (property taxes, state income taxes, and certain local taxes), who benefits most in high-tax states, and why the expanded cap could make itemizing attractive again—even for filers who have taken the standard deduction in recent years. The team also explains key planning moves like timing property tax payments, bunching deductions, and coordinating SALT with charitable and other itemized strategies to maximize tax savings before year-end.

Whether you’re a high-income earner navigating the phase-out rules or a homeowner wondering if itemizing finally pays off, this conversation offers clear, practical guidance to help you take advantage of the new SALT limits while they last.

Read the blog for additional information: https://walknercondon.com/blog/how-the-new-2025-salt-cap-works-and-tax-strategies-to-maximize-your-deductions/

Chapters

00:00 Introduction and Favorite Salts

00:43 What is SALT?

01:22 Changes in SALT Deduction Limits

01:35 Impact of the New SALT Cap

03:23 Strategies for Itemizing Deductions

03:45 Planning for Future Tax Years

04:33 Proactive Tax Planning Tips

07:31 High-Income Earners and SALT Cap Phase-Out

09:53 End-of-Year Tax Planning

11:35 Conclusion and Additional Resources

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Visit: https://walknercondon.com

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In this episode of Gimme Some Truth, hosts Clint and Nate sit down with insurance veteran Rod Crandall to explore how long-term care insurance can protect your financial future.

Rod breaks down common misconceptions, explains how long-term care coverage fits into retirement planning, and shares his personal experience purchasing a policy. The conversation also covers:

✅ Current costs of long-term care in Wisconsin

✅ Different types of long-term care insurance (traditional vs. modern hybrid options)

✅ Underwriting and eligibility considerations

✅ Why proactive planning matters for financial security and family protection

If you’re wondering whether long-term care insurance makes sense for your situation—or how to start planning—this discussion is a must-watch.

👉 Timestamps:

00:00 Introduction

00:20 What Is Long-Term Care Insurance?

01:28 Costs and Statistics in Wisconsin

04:08 Personal Experiences and Proactive Planning

07:41 Traditional vs. Modern Long-Term Care Options

13:39 Options for Older Individuals

17:33 Planning, Underwriting, and Eligibility

24:52 Final Thoughts

🔔 Subscribe for More Insights on Financial Planning, Investing, and Retirement:

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🌐 Learn More About Walkner Condon Financial Advisors:

Visit: https://walknercondon.com

📣 Connect with Us on Social Media:

LinkedIn: https://www.linkedin.com/company/walknercondon

Facebook: https://www.facebook.com/walknercondon

💰 Are you making the most of your cash? In this episode of Gimme Some Truth, Nate Condon and Mitch DeWitt break down cash management strategies that help you stay ahead in a changing financial world.

Discover how to optimize your liquidity, earn higher yields, and protect your cash from inflation and interest rate shifts. Whether you’re holding cash for short-term goals or long-term flexibility, this conversation will help you make smarter, more confident financial decisions.

🔹 Topics Covered:

00:00 Introduction to Cash Management

01:01 The Changing Landscape of Cash

01:46 Making Smart Cash Decisions

02:33 High-Yield Savings Accounts

05:05 Treasury and Bond Options Explained

06:51 Understanding Liquidity Risk

11:28 Chasing Yield: Pros and Cons

13:46 Conclusion and Final Thoughts

💬 Key Takeaways:

- Why cash management matters more than ever in 2025

- The pros and cons of high-yield savings accounts

- How treasuries and short-term bonds fit into your strategy

- Balancing yield with liquidity and safety

🌐 Learn more: https://walknercondon.com

#CashManagement #FinancialPlanning #Investing #PersonalFinance #HighYieldSavings #TreasuryBonds #GimmeSomeTruthPodcast #WalknerCondon #WealthManagement

🌐 Learn More About Walkner Condon Financial Advisors:

Visit: https://walknercondon.com

🌍 Are You a U.S. Expat?

We specialize in financial planning for Americans abroad:

Explore our dedicated expat site: https://usexpatinvesting.com

📣 Connect with Us on Social Media:

LinkedIn: https://www.linkedin.com/company/walknercondon

Facebook: https://www.facebook.com/walknercondon

In this episode of Gimme Some Truth, hosts Clint Walkner, Stan Farmer, and Ian Beardsley are joined by Meb Faber, Chief Investment Officer of Cambria Investment Management, for an in-depth discussion on utilizing Section 351 to seed newly launching exchange-traded funds—a mechanism that can provide a tax-efficient approach to diversifying concentrated stock and ETF positions.

The conversation explores the mechanics, potential benefits, and use cases for these funds, and how they may fit into broader portfolio management and diversification strategies. Meb also shares his perspective on global investing themes, market observations, and future developments in the investment landscape.

🕒 Episode Chapters

00:00 – Introduction & Guest Overview

01:03 – Understanding Section 351 Funds

01:50 – Meb Faber’s Experience and Insights

03:45 – Use Cases and Fund Mechanics

06:21 – Diversification & Portfolio Structure

09:24 – Real-World Context & Applications

14:25 – Broader Market Perspectives

28:02 – Closing Thoughts & Disclaimers

🎙️ Connect with Meb Faber

Website (Cambria Investment Management): https://cambriafunds.com

Podcast – The Meb Faber Show: https://mebfaber.com/podcast

Twitter/X: https://twitter.com/MebFaber

🔔 Subscribe for More Insights on Financial Planning, Investing, and Retirement:

👉 Subscribe to our channel and never miss an episode of Gimme Some Truth @walknercondon

🌐 Learn More About Walkner Condon Financial Advisors:

Visit: https://walknercondon.com

🌍 Are You a U.S. Expat?

We specialize in financial planning for Americans abroad:

Explore our dedicated expat site: https://usexpatinvesting.com

📣 Connect with Us on Social Media:

LinkedIn: https://www.linkedin.com/company/walknercondon

Facebook: https://www.facebook.com/walknercondon

Instagram: https://www.instagram.com/walknercondon/

In this episode of Gimme Some Truth, Clint and Nate dive into the world of pledged asset lines—also known as securities-backed loans. They break down how these loans work, when investors might consider using them, and how they compare to traditional lending tools like home equity lines of credit (HELOCs).

You’ll learn:

🔹 What a pledged asset line is and how it functions

🔹 Real-world examples of how investors use them

🔹 The advantages and potential risks involved

🔹 How securities-based loans can provide liquidity without selling investments

🔹 What to consider before choosing this type of financing

Whether you’re curious about alternative lending options or want to understand the mechanics of borrowing against investments, this episode offers a clear and practical explanation.

Timestamps:

00:00 Introduction to Pledged Asset Lines

00:35 Defining Pledged Asset Lines

01:44 Example Scenario: Using a Pledged Asset Line

04:48 Advantages of Pledged Asset Lines

08:42 Potential Downsides and Considerations

12:16 Conclusion and Final Thoughts

🔔 Subscribe for More Insights on Financial Planning, Investing, and Retirement:

👉 Subscribe to our channel and never miss an episode of Gimme Some Truth @walknercondon

🌐 Learn More About Walkner Condon Financial Advisors:

Visit: https://walknercondon.com

🌍 Are You a U.S. Expat?

We specialize in financial planning for Americans abroad:

Explore our dedicated expat site: https://usexpatinvesting.com

📣 Connect with Us on Social Media:

LinkedIn: https://www.linkedin.com/company/walknercondon

Facebook: https://www.facebook.com/walknercondon

In this episode of Gimme Some Truth, Nate Condon and Clint Walkner are joined by Mitch DeWitt, CFP®, MBA. Together they help break down the complex world of equity compensation. We explain what equity compensation is, why it matters for financial planning, and the different types of stock options employees may encounter.

The discussion covers the tax implications of stock options, potential pitfalls to avoid, and key strategies to incorporate equity compensation into a long-term plan. Whether you’re an employee receiving stock options or simply interested in understanding how they fit into wealth-building, this episode provides practical insights to navigate equity compensation with confidence.

Timestamps

00:00 – Introduction to Equity Compensation

01:22 – Understanding Stock Options

04:44 – Types of Stock Options and Their Tax Implications

10:31 – Common Pitfalls and Planning Strategies

16:48 – Conclusion and Final Thoughts

READ THE BLOG POST FOR MORE INFO: https://walknercondon.com/blog/six-things-to-know-about-employee-stock-options/

🔔 Subscribe for More Insights on Financial Planning, Investing, and Retirement:

👉 Subscribe to our channel and never miss an episode of Gimme Some Truth @walknercondon

🌐 Learn More About Walkner Condon Financial Advisors:

Visit: https://walknercondon.com

🌍 Are You a U.S. Expat?

We specialize in financial planning for Americans abroad:

Explore our dedicated expat site: https://usexpatinvesting.com

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Instagram: https://www.instagram.com/walknercondon/

How does Epic's employee stock program work—and what do you need to know about taxes, loans, 83(b) elections, and long-term planning?

In this episode of Gimme Some Truth, financial professionals Clint Walkner, Alicia Vande Ven, CFP® (former Epic HR), and Mitch DeWitt, CFP®, break down the complexities of Epic employee stock, including vesting, tax implications, exit planning, and risk management. Whether you're an Epic employee, former staffer, or simply navigating equity compensation, this episode offers structured insight into managing your equity in 2025 and beyond.

Check out our new Epic Stock Financial Planning Guide

www.walknercondon.com/epic

🔎 Topics include:

Epic stock structure and evolution

Understanding 83(b) elections

Managing stock loans and risk

Using direct indexing and donor-advised funds

Planning for vesting, exit, and retirement

This content is for informational purposes only and not intended as tax or investment advice.

⏱️ Timestamps:

00:00 – Intro: What makes Epic stock unique

01:00 – Alicia’s background at Epic and initial exposure to equity

02:15 – How Epic’s stock plan has changed over time

04:30 – Why it's important to understand what you own

06:00 – Vesting, taxation, and the W-2 surprise

07:45 – 83(b) election explained: benefits and risks

10:30 – Exit planning: start early to expand your options

12:45 – When Epic stock becomes "real money"

14:10 – Investment strategy: what to consider before leaving

15:40 – Direct indexing for tax efficiency

17:00 – Donor-Advised Funds: grouping charitable giving

19:00 – Planning around fluctuating income and loan terms

21:15 – Why family and spouse income must be considered

23:00 – The role of personal goals in equity planning

24:30 – How to prepare for a financial planning meeting

Read our blog post on Donor-Advised Funds: https://walknercondon.com/blog/what-is-a-donor-advised-fund/

Read our blog post on Direct Indexing: https://walknercondon.com/blog/introduction-to-direct-indexing/

#EpicStock #EquityCompensation #83BElection #TaxPlanning2025 #DirectIndexing #DonorAdvisedFunds #GimmeSomeTruthPodcast #ExitPlanning #EmployeeStockPlans #EpicSystems

For more on this topic and others check out the blog on our website: https://walknercondon.com/blog/

Visit our website for more financial planning resources and educational information: https://www.walknercondon.com

————————————————

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In this episode of Gimme Some Truth, Clint, Nate, and Syl break down the Q3 market recap and share their Q4 stock market outlook. They discuss the continued strength of U.S. and international equities, the resilience of the economy despite tariffs and global challenges, and how potential Federal Reserve rate cuts may shape the months ahead.

They also dive into currency pressures, inflation trends, consumer spending, and real estate dynamics—plus the growing influence of AI and reshoring initiatives on the broader economy. Packed with insights for both experienced investors and new market participants, this episode is a must-listen for anyone navigating the final quarter of the year.

Key Topics Covered

Q3 Market Recap – Momentum in U.S. and international stocks

Global Market Trends – International equities and broader outlook

Economic Resilience – How the economy withstands tariffs and headwinds

Federal Reserve & Rates – Possible interest rate cuts and their impact

Inflation & Currency Shifts – Managing volatility in a changing market

Consumer Spending & Housing – Real estate trends shaping demand

Q4 Outlook – Key themes and expectations for the coming quarter

Episode Timestamps

00:00 – Introduction and Overview

00:37 – Q3 Market Recap

01:52 – International Stocks and Broader Market Trends

03:11 – Economic Resilience and Tariffs

05:19 – Federal Reserve Policies and Interest Rates

07:58 – Currency and Inflation Concerns

12:17 – Consumer Spending and Real Estate

14:18 – Q4 Outlook and Themes

19:22 – Conclusion and Final Thoughts

READ THE BLOG POST FOR MORE INFO:

https://walknercondon.com

https://walknercondon.com/blog/2025-q3-investment-summary/

🔔 Subscribe for More Insights on Financial Planning, Investing, and Retirement:

👉 Subscribe to our channel and never miss an episode of Gimme Some Truth @walknercondon

🌐 Learn More About Walkner Condon Financial Advisors:

Visit: https://walknercondon.com

🌍 Are You a U.S. Expat?

We specialize in financial planning for Americans abroad:

Explore our dedicated expat site: https://usexpatinvesting.com

📣 Connect with Us on Social Media:

LinkedIn: https://www.linkedin.com/company/walknercondon

Facebook: https://www.facebook.com/walknercondon

Instagram: https://www.instagram.com/walknercondon/

Twitter/X: https://twitter.com/walknercondon