In this episode of The Last Paycheck Podcast, Certified Financial Planner professionals Archie Hoxton and Rob Hoxton tackle a common retirement dilemma: Should you help your adult children financially, and at what cost to your retirement?

They explore the emotional and financial trade-offs of supporting grown kids, including how it can impact your long-term financial security. You'll learn:

 ✅ When it makes sense to offer help
 ✅ How to set healthy financial boundaries
 ✅ Why your retirement plan must come first
 ✅ How to encourage financial independence in your children

Rob and Archie share practical strategies, real-world examples, and candid advice—like why putting on your own oxygen mask first isn’t just a travel tip, but a retirement strategy too.

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/FOXp1kwEACg 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dive into the roots of our financial habits by exploring the concept of “money scripts”—the core beliefs about money we pick up in childhood. 

Take your money script inventory: https://www.bradklontz.com/moneyscriptstest 

They discuss how these early experiences and family influences can shape our approach to saving, spending, and investing throughout life. Using both personal anecdotes and research-backed insights, Rob and Archie break down the four main money scripts: money avoidance, money worship, money status, and money vigilance. They share practical tips on how to identify your own money script and how understanding your financial mindset can help you make better decisions. They also introduce helpful resources, like the Money Scripts Inventory, and point listeners toward organizations that offer financial therapy. Tune in for actionable wisdom to reflect on your financial behavior and plan for a secure, fulfilling retirement!

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/aEkLk4FtTZY 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton help you “spring clean” your finances. Using the momentum of tax season, they guide listeners through practical steps for getting organized and tackling financial clutter. Rob and Archie break down how to review your spending, manage subscriptions, consolidate accounts, and improve your password security. 

They share insights into why keeping too many accounts and unused subscriptions can cost you money and complicate tax time, plus tips for safeguarding against fraud and checking credit reports. The hosts also discuss the importance of regular reviews of your savings rate and investment allocations, especially as life circumstances change. If you want to start the year with greater confidence and peace of mind about your financial future, this episode is packed with actionable advice—and they offer a handy checklist to help you stay on track - email lastpaycheck@hoxtonpm.com to get it in your inbox free!

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/Q4-FnB6pbWM 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Should you pay off your mortgage before you retire or save more during your working years? Tune in to learn about the technical and emotional factors you may want to consider.

This episode on YouTube: https://youtu.be/_y2736SibwY 

Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  

Living your best financial life without going broke. Tune into learn about 5 financial control levers that you have before and during retirement. 

This episode on YouTube: https://youtu.be/_y2736SibwY

Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  

Recent research suggests that a happy retirement may be different than you think. Chances are, it will look different than your parents retirement. Tune in to learn more!

This episode on YouTube: https://youtu.be/OzjPUv1G0gs 

 Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation 

In this episode of the Last Paycheck Podcast, CFP Professional Archie Hoxton and Financial Advisor Jimmy Sutch dive into the topic of early retirement. They debunk the misconception that retiring early shares the same planning approach as traditional retirement. They emphasize the importance of a well-thought-out plan and discuss the substantial challenges that come with retiring young, such as the need for a larger nest egg, a reliable withdrawal strategy, and considerations for healthcare. 

Archie and Jimmy also touch upon essential aspects of financial planning like the 4% rule and the intricacies of accessing retirement funds at different ages. Whether you're aspiring to retire at 45 or just exploring early retirement options, this episode offers invaluable insights to help you navigate the complexities and set realistic expectations for a dream retirement earlier than most.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/qf20oZJYvcE 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton delve into the hot topic of market volatility. As financial markets face fluctuations, they share insights and practical advice for navigating these turbulent times. Highlighting their newly developed Market Volatility Guide (email lastpaycheck@hoxtonpm.com to get it sent to your inbox), they explore common pitfalls like panic selling and chasing fleeting market trends. The hosts emphasize the importance of maintaining a strategic approach, advising listeners to stay the course and focus on essentials like rebalancing and tax-loss harvesting. 

They candidly discuss the emotional challenges investors face—with panic and catastrophic thinking being predominant—and highlight how emotional responses, like fear and greed, can derail financial decision-making. They stress the importance of planning ahead and preparing a financial playbook for future market downturns. This engaging discussion aims to equip listeners with both the mindset and tactics to weather financial storms confidently.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/91aSbK5Dfik 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the Last Paycheck Podcast! Today, CFP Professionals Rob and Archie Hoxton discuss the common mistakes to avoid when inheriting money. With a massive generational transfer of wealth underway, it's crucial to prepare for the unique challenges that come with windfalls. They highlight the dangers of treating an inheritance as "found money" and emphasize the importance of having a disciplined financial plan. They also delve into the potential tax consequences and the emotional decisions that can arise. 

The episode covers practical advice on how to integrate unexpected funds into your financial plan, the impact on tax obligations, and the importance of updating your estate plan. Additionally, Rob and Archie caution listeners against rushing into decisions and the risk of financial exploitation. Tune in for insightful guidance to ensure your financial future remains secure, even with sudden changes in wealth.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/KDt7K6P0_1U 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of the Last Paycheck Podcast, CFP Professional Archie Hoxton and Financial Advisor Jimmy Sutch dive into the well-known 4% rule of retirement planning. They explore its origins, usefulness, and potential pitfalls. The conversation begins by defining distribution rates and questioning what genuinely constitutes a sustainable withdrawal rate. They discuss the 4% rule, originating from Bill Bengen's study in the 1990s, which suggests that withdrawing 4% annually from your retirement portfolio can last you 30 years. 

However, they caution that real-life scenarios can differ significantly, affecting the rule's reliability. Factors such as market performance, personal spending needs, and retirement length can impact the rule's effectiveness. They emphasize the importance of a dynamic and personalized approach to retirement planning rather than relying solely on generic rules of thumb. Tune in for invaluable insights and wisdom on how to prepare for a financially stable retirement.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/0Ioa0xDXBkM 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome back to the Last Paycheck Podcast, CFP professionals Rob and Archie Hoxton dive into the crucial topic of retirement risks. They break down five significant risks retirees need to be aware of: investment risk, inflation, taxes, Medicare premiums, and longevity risk. With investment risk at the forefront, they discuss the importance of balancing risk and reward to ensure your investment income outpaces inflation, thus preserving purchasing power. 

Rob and Archie also explore how inflation and taxes can dramatically impact your retirement finances, emphasizing the necessity of proactive planning. The episode highlights the concept of the "tax torpedo," where improper planning can lead to unexpectedly high taxes and Medicare premiums. Finally, they address longevity risk or the fear of outliving your savings, sharing strategies to manage this daunting prospect. Tune in for insightful tips on securing a financially sound retirement.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/uoR6Atpwp84 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to part 2 of the retirement checklist episode on the Last Paycheck Podcast. CFP Professionals Rob and Archie Hoxton guide listeners through crucial aspects of retirement preparation. Building on last week's discussion, they continue with the remaining parts of their comprehensive retirement readiness checklist, available upon request via email. 

Need a retirement checklist? Email lastpaycheck@hoxtonpm.com 

Key topics covered include milestone ages critical in retirement planning, each marking significant financial adjustments and opportunities for retirees. The hosts delve into practical advice on controlling spending before and during retirement, emphasizing the necessity of doing a "dry run" to test budget feasibility. They also advise on investment strategies, warning against overly conservative approaches that could erode purchasing power. Additionally, the episode highlights the importance of planning for healthcare costs, managing debt, and developing a Social Security claiming strategy. Tune in for insights that aim to ensure a secure and fulfilling retirement journey.

Catch Up Contributions - https://youtu.be/rqPZB80w0GA 
Medicare Enrollment Guide - https://youtu.be/rkb6zjcUwEs 
Prepare for Medicare Open Enrollment - https://youtu.be/ld9xCUEplVE 
Understand Medicare Options - https://youtu.be/WigbyAnTuxA 
How to Choose a Meidcare Plan - https://youtu.be/664EYKNl 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/KYQYJT88no0 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the Last Paycheck Podcast. CFP professionals Archie and Rob Hoxton delve into essential strategies for individuals who are approaching retirement. 

Need a retirement checklist? Email lastpaycheck@hoxtonpm.com

They emphasize the importance of understanding key age milestones, like 50 for catch-up contributions, 59.5 to avoid withdrawal penalties, and 62 for initial Social Security access. With discussions about lifestyle adjustments, spending habits, and envisioning an ideal retirement, the hosts provide a roadmap for a successful transition. 

Additionally, they highlight crucial considerations such as having a succession plan for business owners and the significance of defining personal purpose post-retirement. Come back next week for part 2!

Catch Up Contributions - https://youtu.be/rqPZB80w0GA  
Medicare Enrollment Guide - https://youtu.be/rkb6zjcUwEs 
Prepare for Medicare Open Enrollment - https://youtu.be/ld9xCUEplVE 
Understand Medicare Options - https://youtu.be/WigbyAnTuxA 
How to Choose a Medicare Plan - https://youtu.be/664EYKNlrWI 
Medicare and Retirement - https://youtu.be/G9097bs4zPw 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/KYQYJT88no0 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the Last Paycheck Podcast! Today, CFP professional Archie Hoxton and Financial Advisor Jimmy Sutch dive deep into the common hindrances people face when trying to accumulate wealth. They start by defining wealth, highlighting that it encompasses financial stability, time, health, and relationships. Then they explore how debt, especially when invested in depreciating assets like vehicles, can cripple wealth-building efforts. 

Archie and Jimmy underscore the significance of making sound investment decisions and the pitfalls of emotional market timing. They also address the financial implications of life events like divorce and raising children and delve into the importance of strategic tax planning to minimize lifetime tax liabilities. Throughout the episode, they provide actionable insights to help overcome these barriers and enhance their financial and life abundance. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/W9TozmbnPYg 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

It's time to start thinking about tax season! In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton delve into the often dreaded but unavoidable topic of tax preparation. With the April 15th filing deadline looming, they offer valuable insights to ensure this annual chore is as stress-free and efficient as possible. Rob and Archie discuss the various options for preparing taxes, from the challenges of self-preparation to utilizing online tools like TurboTax, and the benefits of enlisting a professional CPA, especially amid a shortage of tax preparers. 

They emphasize the importance of vigilance, from ensuring all necessary documents are in order to communicating effectively with your tax preparer. The episode also highlights key strategies such as taking inventory of life changes, making timely financial decisions, and the value of reviewing your tax return to avoid costly errors. Tune in for practical tips to navigate tax season with ease and confidence.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/aGCgYWKOJu0 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome back to the Last Paycheck Podcast! CFP Professional Rob Hoxton and Financial Advisor Jimmy Sutch dive into one of the most common questions about retirement: "How do I know if I've saved enough for retirement by now?" 

Rob and Jimmy break down popular retirement savings rules of thumb, like how many times your annual salary you should have saved at different ages, and analyze real-world averages from recent surveys. They also discuss why so many people find themselves behind in saving, exploring topics like behavioral habits, present bias, and rising costs of living. 

Throughout the episode, you’ll get practical advice on how to catch up if you’re behind, from automating your savings to maximizing employer 401(k) matches. Whether you’re just starting out or nearing retirement, this episode is full of actionable insights to help you plan for a secure future.

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/KzsMDEVJadQ 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome back to the Last Paycheck Podcast! CFP Professionals Rob and Archie Hoxton dive into the world of viral financial advice videos. They start by reacting to a video discussing the importance of setting up a Roth IRA, highlighting the benefits and clearing up misconceptions. Rob and Archie debunk erroneous claims about tax penalties and emphasize the advantages of tax-free growth within a Roth IRA. They discuss practical rules for Roth IRA withdrawals, ensuring listeners understand the various conditions to access their funds penalty-free. 

Additionally, the hosts touch on the best and worst financial advice featured in another viral clip, reinforcing the value of saving and investing prudently over time. Rob and Archie offer thoughtful insights into the balance between financial success and overall life satisfaction, emphasizing the importance of a well-rounded approach to personal finance. If you aren't sure if something you've watched or read online is true - be sure to reach out to your financial advisor or someone you trust. Rob and Archie are always here to answer your questions - feel free to give them a call! 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/WAkmBcEueJQ 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the Last Paycheck Podcast! CFP professionals Rob and Archie Hoxton delve into the often-overlooked risks that can threaten your financial stability in retirement. While many are aware of the commonly discussed threats, this episode sheds light on hidden landmines like inflation, healthcare costs, long-term care, and the mistakes driven by emotional investing. 

Rob and Archie explain how these risks can erode your purchasing power and derail your financial plans, emphasizing the importance of sound portfolio construction and disciplined investing. They also offer actionable strategies to mitigate these risks, such as planning for inflation, choosing the right Medicare plans, and maintaining a balanced investment approach. By exploring these less obvious pitfalls, they aim to equip you with the knowledge to ensure a secure and worry-free retirement. 

Medicare episodes:
Navigating Medicare Enrollment and Penalties with Expert Ben Bulgrien - https://youtu.be/rkb6zjcUwEs 

Making Sense of Medicare: Picking the Right Plan for You - https://youtu.be/WigbyAnTuxA 

How to Prepare for Medicare Open Enrollment with Expert Advice from Ben Bulgrien - https://youtu.be/ld9xCUEplVE 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/lI6FdIQiGuU 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In today's episode of Last Paycheck Podcast, CFP professional Archie Hoxton and Financial Planner Jimmy Sutch tackle the pressing concern of navigating bear markets. Archie emphasizes the importance of not panicking during market downturns and revisiting financial plans designed to withstand such fluctuations. They explain key concepts: market corrections, typically a 10% drop, occur annually, whereas bear markets, characterized by a 20% decline, happen every four to seven years. 

They highlight maintaining a consistent strategy and avoiding rash decisions like moving entirely to cash, which can be detrimental long-term. They also discuss adjusting distribution rates and recognizing bear markets as investment opportunities. The episode underscores the value of sticking to a well-thought-out financial plan, maintaining a long-term perspective, and regularly contributing to qualified plans like 401ks. Tune in for expert advice to help you retire and stay retired.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/jRRMdIaYGxo 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the Last Paycheck Podcast, CFP professional Archie Hoxton and Financial Advisor Jimmy Sutch dive deep into the topic of Required Minimum Distributions (RMDs). They unravel the complexities of RMDs, a vital yet often misunderstood aspect of retirement planning. They discuss the implications of RMDs, how they're calculated, and the potential tax liabilities they create. 

The episode offers valuable strategies to manage RMDs effectively, including Roth conversions and Qualified Charitable Distributions (QCDs), catering to both long-term and short-term planning perspectives. Additionally, the hosts emphasize that not everyone needs to worry excessively about RMDs, especially if you're already drawing from your retirement funds. Tune in for actionable wisdom on preparing for your final paycheck, ensuring you retire and stay retired comfortably. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/BP_bg07N1S8 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton delve into the intriguing connection between financial planning and longevity. Inspired by a recent Wall Street Journal article, they explore how higher net worth and income can correlate with longer life expectancy. The discussion emphasizes the critical role of financial planning in affording better healthcare, healthier diets, and reduced stress, which collectively contribute to an extended lifespan. 

They navigate through the eye-opening research, uncovering alarming statistics about the US healthcare system and the financial challenges faced by many Americans. Tune in as Archie and Rob offer valuable insights, actionable advice, and underscore the importance of taking control of your financial well-being to secure not just a comfortable retirement, but potentially a longer, healthier life.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/3dAyWslPglA 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Happy New year! In the first episode of Last Paycheck Podcast in 2025, CFP Professionals Rob and Archie Hoxton tackle the timely topic of New Year’s resolutions—this time, with a financial twist. Tired of the usual "lose weight" promise, Rob explores more impactful financial goals. Archie suggests quick wins like bumping up your 401(k) contributions, setting up Roth IRAs, and establishing health savings accounts (HSAs). 

They also dive into more labor-intensive but crucial tasks. They emphasize the long-term benefits of automating savings and rebalancing investments, encouraging listeners to set and forget these pivotal actions. With actionable advice that you can implement starting January 1st, this episode serves as your guide to achieving financial wellness throughout the year. Tune in to learn how to make resolutions that prepare you for the future, ensuring you retire and stay retired-comfortably.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/Y-S89AKZXx4 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dive into a commonly faced financial dilemma: what to do with life insurance policies and annuities that no longer seem necessary. 

They explore a range of solutions, starting with simply retaining the policy, which could still fulfill vital financial needs. The discussion extends to potential pitfalls like surrender charges, market value adjustments, and tax implications for those considering canceling their policies. Rob and Archie also educate listeners on the tax-saving benefits of a 1035 exchange. Emphasizing the importance of informed decision-making and fiduciary advice, they aim to ensure listeners avoid rash moves that could lead to financial losses. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/Vw3ymAlt_sI 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton discuss strategies to boost your retirement savings as you approach the end of your career. With practical advice targeted at individuals within three to five years of retiring, they break down four actionable steps to supercharge your savings. 

Topics include maximizing contributions to tax-favored accounts like IRAs and 401ks, diversifying the tax treatment of your investments, adjusting your asset allocation to balance risk and growth, and the critical importance of having a comprehensive financial plan. They also dive into recent changes in retirement laws, such as the Secure 2.0 Act, that impact catch-up contributions. Whether you're behind on your savings or just seeking last-minute tips, this episode offers essential guidance to help you secure a comfortable and financially stable retirement. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/rqPZB80w0GA 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to this week's episode of Last Paycheck Podcast! CFP Professionals Rob and Archie Hoxton take you back to the basics of navigating investment vehicles, focusing on some of the most common yet often misunderstood options. They break down the essentials of stocks and bonds, explaining how owning shares of a company or lending money through bonds can impact your retirement portfolio. 

The episode also dives into mutual funds and exchange-traded funds (ETFs), highlighting their similarities, differences, and potential advantages and disadvantages. Mutual funds, with their broad diversification but potential tax inefficiencies, are contrasted with the more tax-efficient and often lower-cost ETF options. This informative session aims to demystify financial jargon and provide listeners with the confidence to ask basic investment questions without fear. 

Come back next week to learn more about alternatives as a type of investment!

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/ylO5lBzLGbA 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of theLast Paycheck Podcast, CFP Professionals Archie and Rob Hoxton talk about the significant upcoming changes impacting retirement accounts. They explore new rules for 401ks, simple IRAs, and inherited IRAs, providing vital clarifications for those approaching retirement. Key topics include the increased contribution limits known as "super catch-up" for individuals aged 60 to 63, and the shift towards Roth contributions for catch-ups. 

They also discuss the introduction of automatic opt-in systems for 401ks, designed to encourage consistent saving habits. Additionally, they address new guidelines on required minimum distributions for inherited IRAs. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/MIyz1GamVLc 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

How do you become the millionaire next door? 

CFP Professionals Archie Hoxton and Rob Hoxton take a deep dive into what it truly means to be the "millionaire next door." They dispel the myths commonly perpetuated by social media, highlighting that most American millionaires are not flashy spenders but instead live simply, drive modest cars, and focus on saving rather than spending. 

Drawing from decades of financial planning experience and reputable studies, the hosts share surprising statistics—like how 79% of millionaires didn’t inherit their wealth and how the top millionaire careers are often quite ordinary, including engineers, accountants, teachers, management, and lawyers. They discuss the power of living below your means, consistent saving, wise debt management, and the long-term growth of investments like 401(k)s. This episode is packed with practical wisdom to inspire you on your path to financial independence and a secure retirement.

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/4rlgB-z-QZU 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Let's talk taxes! In this episode of Last Paycheck Podcast, CFP professionals Archie Hoxton and Rob Hoxton dive into essential year-end tax planning strategies to help you maximize your financial health. As the year rapidly comes to a close, they discuss key moves that could make a significant difference when filing for the 2024 tax year. Topics include the anticipated changes in tax legislation, optimizing traditional IRA contributions, the power of Health Savings Accounts (HSAs), and the benefits of 529 college savings plans.

They also explore smart charitable giving strategies through donor-advised funds and Qualified Charitable Distributions (QCDs). This episode is packed with actionable insights to reduce your tax burden and enhance your financial strategy, making it a must-listen for anyone looking to take control of their financial future. Tune in and get expert advice from Certified Financial Planners dedicated to helping you retire and stay retired.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/wdyRSPylX_g 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of Last Paycheck Podcast, our hosts, CFP professionals Rob and Archie Hoxton, tackle the crucial yet often overlooked topic of cognitive decline in retirement. They explore how cognitive issues pose both health and financial risks, affecting decision-making abilities and financial stability. Rob and Archie emphasize the importance of proactive planning, such as appointing a durable power of attorney and consulting trusted advisors, to mitigate these risks. 

With personal anecdotes and practical advice, this episode serves as a comprehensive guide to safeguarding your financial well-being as you age. Tune in for essential tips to help you retire and stay retired.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/y09jwysECgY 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of Last Paycheck Podcast, CFP professionals Rob and Archie Hoxton dive into the often-overlooked topic of overspending in today's frictionless financial landscape. Rob and Archie shed light on the complexities of staying within one's means, especially in an era where digital payment methods make it effortless to spend money mindlessly. They discuss how being mindful of your expenditures is crucial, particularly during retirement when income is fixed.

They emphasize the significant impact of subscription services, contactless payments, and even digital pickpocketing on our financial habits. They also explore old-fashioned yet effective budgeting techniques like the cash envelope system and manual expense tracking, offering practical advice for bringing financial discipline back into your life. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/zl73gHLMOEw 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of the Last Paycheck Podcast, CFP Professionals Archie and Rob Hoxton delve into the recent announcement of the 2025 Social Security cost of living adjustment (COLA). Set at 2.5%, this figure has left many retirees concerned about its impact amidst rising prices. Archie and Rob discuss the calculation methods used by the Department of Labor, explaining how the Consumer Price Index for Urban Wage Earners (CPIW) determines these adjustments. 

They emphasize that while Social Security COLAs are beneficial, they are not sufficient to fully hedge against inflation’s effects on retirees. They offer insights into delaying Social Security benefits for potentially higher payouts and address common concerns about the program’s solvency. Tune in to gain a clearer understanding of Social Security adjustments and practical advice on preparing for a financially secure retirement. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/gOcVqf0j5sk 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of the Last Paycheck Podcast, CFP professional Archie Hoxton hosts Medicare expert Ben Bulgrien from Kohorn Financial Group. Archie dives deep into the critical topic of Medicare open enrollment with Ben for their third discussion on this complex subject. They cover key aspects of reviewing and updating Medicare coverage, emphasizing the importance of evaluating prescription drug plans, Medicare Advantage plans, and understanding potential changes brought by the Inflation Reduction Act. 

Ben provides detailed insights into annual review processes, the implications of switching plans, and navigating medical underwriting. This episode is filled with practical advice on how to prepare for open enrollment, the impact of new regulations, and the necessity of professional guidance. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/ld9xCUEplVE 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the Last Paycheck Podcast, CFP Professionals Archie and Rob Hoxton welcome back Medicare expert Ben Bulgrien from Korhorn Financial Group for an insightful continuation on Medicare plans. The episode dives deeper into the diverse components of Medicare, including parts A, B, C, and D, as well as the various supplemental plans from A through N. Ben expertly breaks down the differences between Original Medicare and Medicare Advantage plans, emphasizing the critical decision factors such as cost, coverage, and flexibility. 

He also highlights the complexities of navigating plan networks and the potential long-term implications of choosing one plan over another. With practical advice for those feeling overwhelmed, Ben recommends consulting trusted financial planners or independent insurance agents to make the best-informed decisions. Join Archie, Rob, and Ben for a comprehensive discussion designed to help you make the most of your Medicare choices.

Learn more about Kohorn Financial's podcast - Wise Money Show - https://www.youtube.com/@WiseMoneyShow 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/WigbyAnTuxA 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to our three part conversation with Ben Bulgrien from Kohron Financial Group on the Last Paycheck Podcast. CFP Professionals Archie and Rob Hoxton are joined by Medicare expert Ben Bulgrien to dive into the complexities of Medicare enrollment. They explore the essential steps and timelines for signing up, providing a comprehensive guide to avoid costly penalties. Ben offers practical advice on navigating Medicare while still employed, understanding qualifying health plans, and the impact of income-related monthly adjustment amounts (IRMA). 

The discussion also touches on the strategic use of Health Savings Accounts (HSAs) in retirement. This episode is essential listening for anyone approaching Medicare age or those planning their retirement healthcare strategy. Stay tuned for part two next week, where the three will further unravel the nuances of Medicare plans. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/rkb6zjcUwEs 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dive into the impending expiration of the significant 2017 tax law changes and their potential impact on taxpayers. With the 2025 sunset date looming, they highlight the importance of planning ahead for what could be a substantial shift in tax brackets, deductions, and estate planning rules. The episode covers the nuances of the marginal tax bracket adjustments, the reduction in standard deductions, and the return of personal exemptions. 

Rob and Archie also discuss the implications for small business owners, charitable giving, and estate planning thresholds. They emphasize the necessity of consulting with financial planners and CFP Professionals to navigate these changes effectively. This engaging and informative episode is a must-listen for anyone seeking to understand and prepare for future tax implications. Tune in to ensure you're well-prepared for the potential changes ahead.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/Mtr_llXuMFw 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive into the intriguing topic of whether downsizing your home upon retirement makes sense—or if it might be more beneficial to keep your current home and rent it out. They discuss the various financial and emotional aspects you need to consider. 

From understanding capital gains tax exclusions to dealing with the real-life challenges of being a landlord, Archie and Rob provide a comprehensive analysis. They highlight key factors such as the impact of inflation, mortgage rates, rental income, and property management. Tune in to discover the pros and cons, and gather essential wisdom to make a well-informed decision about your real estate strategy in retirement. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com            

Watch on YouTube: https://youtu.be/3xXcpi_Nl3k 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com       

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome to the Last Paycheck Podcast; CFP Professionals Archie and Rob Hoxton unravel the hidden traps of lending money without even realizing it. Kicking off with the pitfalls of tax refunds and overpayment, they reveal how Uncle Sam benefits from your hard-earned money without paying interest. They then pivot to scrutinize checking accounts and how excessive balances can serve as interest-free loans to banks. Gift cards also come under fire, with billions in unused balances bolstering corporate profits. 

They also touch on practices in sweep accounts and the dubious ethics of some major financial institutions. With practical advice on optimizing your financial strategies, this episode is an eye-opener for anyone looking to avoid lending money unknowingly and ensure they get a fair market rate on their savings. Reach out to Hoxton Planning and Management if you think you're lending money without knowing!

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com           

Watch on YouTube: https://youtu.be/yvGumwyZsUE 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com      

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of Last Paycheck Podcast, CFP Professional Archie Hoxton and financial advisor Jimmy Sutch tackle one of retirement's biggest questions: Should you take Social Security early? Archie and Jimmy break down the conventional wisdom around delaying benefits and offer fresh insight into five key reasons why claiming early might be right for you. 

They explore factors like health, income needs, legacy planning, concerns about Social Security's future, and unique strategies for couples with different benefit amounts. They emphasize that Social Security decisions are highly personal—what works best depends on your financial picture, life expectancy, and priorities. Whether you're planning for retirement or are just curious about maximizing your household benefits, this episode delivers practical tips and a balanced perspective. Don't miss actionable wisdom to help you retire—and stay retired—with confidence.

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/-JtCvjXooI0 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome back to Last Paycheck Podcast, hosts and CFP Professionals Rob and Archie Hoxton tackle a common yet critical financial question: how much cash should one keep on hand? They talk about the nuances of maintaining an emergency fund, highlighting the importance of liquidity versus the temptation to invest cash reserves in the stock market. With market conditions fluctuating, they discuss various cash instruments and their appropriateness based on individual circumstances, such as high-yield savings accounts versus CDs. 

The episode explores scenarios that may warrant larger cash reserves, like having aggressive investments or variable income. Additionally, they address timely concerns about potential interest rate cuts and their impact on savings strategies.

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com           

Watch on YouTube: https://youtu.be/VEy3QI75ZDc 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com      

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of the Last Paycheck Podcast, hosts and CFP professionals Rob and Archie Hoxton discuss the advice from financial coach Dave Ramsey about taking Social Security early at age 62 and investing the funds. They talk about the complexities and risks associated with this strategy, emphasizing that such a significant decision shouldn't be taken lightly or made based on generalized advice. 

The episode highlights the importance of individualized financial planning and the potential pitfalls of expecting high returns from mutual funds. They underscore the benefits of delaying Social Security to maximize returns and the considerations one should make, especially if Social Security is a primary income source. 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com          

Watch on YouTube: https://youtu.be/u_7MjM9LRuA 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com     

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation   

In this week's episode of the Last Paycheck Podcast, CFP professionals Archie and Rob Hoxton talk about the concept of owning nothing and renting everything. They explore the lifestyle of individuals who have embraced full-time renting to maximize flexibility and minimize the burdens of ownership. They discuss various rental scenarios from everyday items like clothing and tools to larger investments like RVs and homes, weighing the advantages and potential drawbacks. Rob shares his personal experiences with rental tools and the idea of renting golf clubs, while Archie brings his perspective on controlling monthly cash flow and long-term costs. They conclude that while this lifestyle may not be for everyone, combining strategic renting with ownership could offer a balanced, cost-effective approach to living. 

Find the Wall Street Journal article here - https://www.wsj.com/personal-finance/renting-lifestyle-economy-cars-furniture-clothes-b7329a4a?st=tbwqjdq162ff2tn          

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com         

Watch on YouTube: https://youtu.be/amNler3-0mw 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com    

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome back to Last Paycheck Podcast, hosts and CFP Professionals Rob and Archie Hoxton talk about the complexities of the current housing market to answer the pressing question: should you buy a house now or wait? With interest rates significantly higher than in recent years and a limited supply of new homes, they explore how historical trends since the Great Recession have led to today's unique market challenges.

They discuss the implications for both first-time buyers and those looking to downsize as they approach or are in retirement. Offering a blend of statistical insights and personal anecdotes, Rob and Archie provide valuable guidance on timing, interest rates, and the impact of local market conditions. 

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation            

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com         

Watch on YouTube: https://youtu.be/08pCDDQIrCE 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com    

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of the Last Paycheck Podcast, hosts Archie and Rob Hoxton talk about the alarming trend highlighted in a recent Moneywise article by Maury Bookman: 46% of middle-class workers have reduced or stopped their 401K contributions due to inflation and high prices. Exploring the broader economic backdrop, they discuss how rising living costs and stagnant wages compel people to cut back on crucial retirement savings. 

They also emphasize the detrimental impact of growing consumer debt and the missed opportunities from halting contributions, such as losing employer matches and tax benefits. They highlight the long-term costs, illustrating how skipping even a year of contributions can significantly reduce retirement savings. Throughout the episode, Archie and Rob advocate for maintaining some level of contribution, offering practical tips to navigate financial challenges while planning for a secure retirement. Tune in for insightful advice on how to weather economic uncertainties without sacrificing your financial future.

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation           

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com        

Watch on YouTube: https://youtu.be/TKIpvgoTQoo 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com     

In this episode of the Last Paycheck Podcast, hosts Archie and Rob Hoxton react to a video promoting the concept of "infinite banking" or "be your own bank" using whole life insurance policies. The video creator makes claims about earning high returns and borrowing money for free. Archie and Rob break down these claims, explaining the differences between banks and insurance policies, and how policy loans actually work. 

They emphasize that while cash value life insurance has its place, it should be purchased for the right reasons, such as providing a permanent death benefit for loved ones who rely on you financially. The hosts caution against buying insurance solely for minor features like policy loans, as this can lead to potential tax consequences if not managed carefully. They conclude by acknowledging that borrowing against a policy can be a useful tool, but it's just one of many options available.

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation          

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com       

Watch on YouTube: https://youtu.be/pdIdTBUzUM4 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com    

In this week's episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton discuss the common mistakes people make when leaving a job and deciding what to do with their 401(k). They emphasize the importance of staying organized and informed to avoid costly errors. The hosts outline three main options: leaving the 401(k) with the former employer, withdrawing the funds (which can incur significant taxes and penalties), or rolling the balance into a new employer's plan or a rollover IRA.

They highlight the potential pitfalls of each option, such as forgetting about the account, incurring unnecessary taxes and penalties, or leaving the funds uninvested in cash. Archie and Rob stress the importance of understanding the specific industry terms and seeking professional guidance to navigate the process and make the best decision for your financial future.

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation          

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com       

Watch on YouTube: https://youtu.be/PwKXtO40shY 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com    

Welcome back to Last Paycheck Podcast! Hosts and CFP Professionals Archie Hoxton and Rob Hoxton explore the dynamic relationship between politics and the stock market, particularly during election years. Broadcasting from their brand-new studio at Hoxton Planning and Management headquarters, the duo debunk the myth that politics are a primary driver of market performance.

They emphasize that while short-term market volatility may occur around elections, historical data shows that election years often yield positive market returns, irrespective of which party wins. With insights dating back to 1928, Archie and Rob demonstrate that maintaining a well-constructed, diversified portfolio and focusing on long-term goals is crucial. They also discuss the importance of having a robust emergency fund to navigate short-term financial needs.

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation          

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com       

Watch on YouTube: https://youtu.be/6QdptbePPo0 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com    

In this week's episode of Last Paycheck Podcast, financial planners Rob and Archie Hoxton talk about the enticing yet complex decision of buying a vacation home. Rob initiates the conversation, reflecting on the appeal of owning a second home in a favorite vacation spot.

They discuss the dreams versus realities of such an investment, emphasizing that while a second home can enhance your lifestyle and bring family together, it also involves significant financial and non-financial considerations. They cover key aspects such as financing, property taxes, insurance, and the pitfalls of relying on rental income to afford the property. They also caution against emotional decisions made during a vacation. 

 If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation         

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com      

Watch on YouTube: https://youtu.be/Npgtb3De_8w 

Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com   

In this episode of the Last Paycheck Podcast, hosts and financial planners Archie and Rob Hoxton dive deep into the world of Roth IRAs and 401(k) plans, exploring the benefits and strategies for building your Roth tax bucket. The discussion tackles the incredible story of Peter Thiel purportedly amassing $5 billion within a Roth IRA. Archie and Rob break down the fundamental differences between traditional and Roth IRAs, offering valuable insights into strategies like Roth conversions, backdoor Roth contributions, and even the mega backdoor Roth. 

They emphasize the importance of tax planning and knowing your options to maximize retirement savings. Whether you're new to retirement planning or a seasoned investor, this episode is packed with practical advice to help you retire and stay retired with financial peace of mind.

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation        

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com     

Watch on YouTube: https://youtu.be/HMaXDHhPUWE 

Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com         

Welcome to the 100th episode of the Last Paycheck Podcast! CFP Professionals Rob Hoxton and Archie Hoxton celebrate with viewers and dive deep into the crucial topic of long-term care insurance. The hosts share statistics from the U.S. Department of Health and Human Services, revealing that 70% of adults over age 65 will need some form of long-term care. 

Rob and Archie break down what long-term care insurance is, identify common trigger points for needing it, and guide listeners through key scenarios where having coverage could be essential—such as having no close family support or wanting to protect a spouse or legacy. They also explain when it might not make financial sense to buy a policy and provide practical steps for evaluating options. If you’re concerned about aging, family care, and safeguarding retirement assets, this episode is packed with professional insights and actionable advice.

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ 

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com             

Watch on YouTube: https://youtu.be/fs6kcys-oO8 

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com        

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Welcome back to Last Paycheck Podcast! In this week's episode, hosts and certified financial planners Archie and Rob Hoxton take a deep dive into assessing financial health. Just as you'd get a medical checkup, they explore how to do a financial wellbeing check by examining critical elements such as emergency funds, debt management, and insurance coverage. The episode emphasizes the importance of maintaining a liquid emergency fund, managing debt effectively, and ensuring adequate insurance to guard against life’s uncertainties. 

The hosts also stress the significance of saving for the future and using a comprehensive financial plan as a roadmap to achieve long-term goals. Packed with practical advice and real-life examples, this episode serves as a crucial guide for anyone looking to get a clear picture of their financial health and take actionable steps toward financial stability and growth. Don’t miss this essential financial wellness checkup!

If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation       

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com    

Watch on YouTube:  

Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com