In this episode of The Ascent, Alec Walker from Crestmont Private Wealth discusses essential financial conversations every couple should have—whether you’re newlyweds or have been married for decades. Alec covers topics like understanding financial personalities, addressing money fears, combining finances, budgeting strategies, setting shared goals, and managing credit and debt. With personal anecdotes and practical advice, this episode is a must-watch for couples looking to strengthen their financial partnership.

00:00 – Introduction: Why couples need to talk about money

00:23 – Article insights: Financial topics for couples

00:44 – Money as a relationship challenge

01:08 – Personal experience: Spender vs. saver dynamics

02:07 – Financial personalities and relationship health

02:47 – Money fears and concerns: Laying cards on the table

03:29 – Childhood influences on financial habits

04:16 – Different family “playbooks” and holiday spending

05:15 – Combining finances: Joint, separate, or hybrid accounts

06:05 – Budgeting strategies: Essentials vs. lifestyle expenses

07:03 – Emergency savings and retirement budgeting

09:03 – Setting and tracking shared financial goals

10:24 – Evolving goals: Gifting, charity, and legacy

10:42 – The importance of credit scores and transparency

11:20 – Debt management strategies

12:00 – Final thoughts: Planning for financial health

12:25 – Personal note: Camping and family time

13:02 – How to contact Crestmont Private Wealth

13:20 – Outro and thanks

Original Air Date: December 6, 2025 at 8:30am as heard on Boerne Radio 103.9FM

Contact: www.crestmontpw.com

Alec Walker in Houston: 831-280-5288

Sam McGee in Boerne: 830-368-2898

See omnystudio.com/listener for privacy information.

This episode of "The Ascent" features Sam McGee from Crestmont Private Wealth and guest Jeremy Farber from Home Instead. The discussion centers on planning for non-medical daily living care, especially for aging couples without nearby family and families with special needs children. Key topics include the importance of early planning, the types of daily living activities that require support, the flexibility of in-home care services, the growing demand for caregivers, and the financial aspects of long-term care. The conversation also touches on the lack of public awareness about in-home care and encourages listeners to start conversations and planning early.

Timeline & Key Moments

0:00 – Introduction & Recap

0:41 – Three Scenarios: Aging Couples, Special Needs, and Care Planning

1:36 – Special Needs Planning: Personal Experience

2:23 – Asset Protection & Caregiver Support

3:09 – Government Programs & Staying at Home

4:01 – Aging Gracefully: When to Seek Help

5:08 – The Importance of Early Planning

6:08 – Activities of Daily Living Explained

7:06 – Supporting Independence & Caregiver Burnout

8:08 – Types of In-Home Care Services

10:01 – The Growing Long-Term Care Industry

12:25 – Raising Awareness & How to Get Help

13:04 – Closing Thoughts & Contact Information

Original Air Date: November 29, 2025 at 8:30am as heard on Boerne Radio 103.9FM

Contact: www.crestmontpw.com

Alec Walker in Houston: 831-280-5288

Sam McGee in Boerne: 830-368-2898

https://www.homeinstead.com/

See omnystudio.com/listener for privacy information.

In this episode of "The Ascent" with Crestmont Private Wealth, host Sam McGee interviews Jeremy Farber from Home Instead. They discuss the importance of planning for long-term care, the challenges families face when unexpected health events occur, and practical steps to prepare for the future. Jeremy shares his personal journey, the mission behind Home Instead, and tips for helping loved ones age in place. The conversation covers financial planning, long-term care insurance, and the value of open family discussions about aging and care needs.

For more information, visit crestmontpw.com or homeinstead.com/boerne.

00:00 – Introduction: Host and guest introductions

00:37 – Jeremy’s background and how he got into home care

01:52 – Personal story: Helping a family friend after a stroke

02:45 – Jeremy’s “why” and career journey

03:48 – Transition to in-home care and serving clients

05:13 – Who needs in-home care? Not just seniors

06:00 – Planning ahead for long-term care

07:00 – Practical tips for preparing for the unexpected

08:00 – Importance of having documents and conversations in place

09:00 – Legal and medical preparations (wills, power of attorney, DNR)

10:00 – The goal: Helping people stay independent at home

11:00 – Types of care: Companionship to skilled care

12:00 – Financial planning for long-term care

13:00 – The importance of conversations with aging parents

14:00 – What happens when there’s no plan?

15:00 – Long-term care insurance: What it covers and common misconceptions

16:00 – Aging in place: Allowing clients to stay in their homes

17:00 – Final thoughts: The importance of planning and open conversations

18:00 – How to contact Crestmont Private Wealth and Home Instead

19:00 – Closing remarks and preview of Part B

Original Air Date: November 22, 2025 at 8:30am as heard on Boerne Radio 103.9FM

Contact: www.crestmontpw.com

Alec Walker in Houston: 831-280-5288

Sam McGee in Boerne: 830-368-2898

https://www.homeinstead.com/

See omnystudio.com/listener for privacy information.