All Things Financial

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Oct 2026

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Hosted by Trey Peterson & Yelisey Kuts. All Things Financial provides an extensive level of knowledge surrounding retirement and retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. To Learn More About All Things Financial: https://Atfwealth.com

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October 13, 2026Episode 922 min

Ai and You - Living in a Tech World

AI Voice Scams: How to Protect Yourself and Your Finances | All Things Financial In this episode of All Things Financial, the hosts discuss how AI is changing the way scams happen—especially the risk that the voice on the other side of a phone call may not be who you think it is—and share guidance on protecting yourself and your finances. Advisory services are offered through CG Advisory Services LLC and Guardian Wealth Strategies LLC, separate and unaffiliated registered investment advisors. The podcast content is for educational purposes only and is not intended as investment advice or recommendations, and listeners should consult their own financial professionals before making investment decisions. 00:00 AI Scam Warning 00:12 Protect Your Finances 22:25 Advisor Disclosures 22:43 Educational Disclaimer Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast ... Spotify: https://open.spotify.com/show/2iIDj87 ... YouTube: / @allthingsfinancialshow Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule a meeting with us: Trey C. Peterson: trey@atfwealth.com Yelisey Kuts: yelisey@atfwealth.com Phone: (612) 286-0580 Contact us: https://atfwealth.com/contact-us At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

September 29, 2026Episode 822 min

Your Credit Score in 20 Minutes (Or Less)

Credit Score Basics: The 5 Factors, Common Myths, and Fast Ways to Improve Your FICO Trey Peterson and Yelisey Kuts explain how credit scores affect the long-term cost of borrowing and outline the five main FICO factors: payment history (35%), credit utilization (30%), length of credit history, credit mix, and new inquiries. They share practical strategies such as keeping utilization under 30% (ideally under 10% for 800+ scores), paying on time, using auto-pay, spreading balances across cards, and asking for higher credit limits to lower utilization. They discuss how missed payments can drop scores significantly and remain for seven years, plus options like credit repair services and secured credit cards backed by cash to rebuild credit. They debunk myths including that checking your own score or carrying a balance helps, and note that closing old accounts can hurt scores while income does not affect credit score. 00:00 Why Credit Matters 01:13 Credit Cards Done Right 02:52 Debt Stats and Score Basics 04:21 Utilization Rules 05:36 FICO Factors Explained 06:28 Late Payments and Autopay 08:10 Credit Mix and Repair 09:36 Inquiries and Timing 16:51 Rebuilding Credit Fast 17:48 Common Credit Myths 20:16 Simple Credit Checklist 21:26 Wrap Up and Resources Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast ... Spotify: https://open.spotify.com/show/2iIDj87 ... YouTube: / @allthingsfinancialshow Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more! Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

September 1, 2026Episode 619 min

How To: Maximize Your Tax Refund

How to Maximize Your Tax Refund- 3 Simple Steps Trey Peterson and Yelisey Kuts break down three pillars of retirement tax planning for those in or nearing retirement: understanding your tax “buckets” (taxable, tax-deferred, and tax-free/Roth) and why having multiple buckets creates flexibility; evaluating when Roth conversions make sense (especially to manage future RMDs, tax brackets, and timing) including a look at “mega backdoor” Roth opportunities in some 401(k)s; and building a tax-efficient income stream with a clear spend-down plan and order of withdrawals. They also caution listeners about IUL pitches, emphasizing fees, commissions, and the risk that illustrations don’t match reality, and encourage working with a retirement planning specialist to avoid costly mistakes. 00:00 Welcome and Overview 01:21 Tax Buckets Explained 03:57 Roth 401k Advantages 06:43 IUL Warning Signs 08:23 Roth Conversions Basics 11:19 Conversion Timing and Investing 13:16 Mega Backdoor Roth 14:38 Tax Efficient Income Plan 15:53 Withdrawal Order and Brackets 18:04 Specialist vs Generalist 21:22 Three Pillars Recap 21:53 Closing and Disclosures Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast ... Spotify: https://open.spotify.com/show/2iIDj87 ... YouTube: / @allthingsfinancialshow Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more! Contact us: https://atfwealth.com/contact-us At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

September 15, 2026Episode 733 min

Patterns in Money: Decisions, Debt, and Retirement Thinking

Why Money Matters: Patterns, Mistakes, and Retirement Fears | All Things Financial 00:00 Money Decisions as Patterns 00:53 First Money Mistakes 01:51 Debt and Depreciation Lessons 04:30 Early Money Mentors 07:05 DIY Retirement Pitfalls 09:33 Best Moves in Your 20s 11:39 Stretch vs Comfort Philosophy 17:18 Overrated Retirement Advice 18:23 Career Compounding and Fit 20:43 Tough Partner Decisions 22:27 Advisor Strengths Breakdown 25:38 Business Growth Surprises 28:43 Money Fears vs Reality 32:11 Planning for Peaceful Retirement Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more! Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule a meeting with us: Trey C. Peterson: trey@atfwealth.com Yelisey Kuts: yelisey@atfwealth.com Phone: (612) 286-0580 Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

August 18, 2026Episode 527 min

Leadership in the Workplace

How to Build a Winning Company Culture: Core Values, Leadership, and Morale | All Things Financial Podcast 00:00 Welcome and Culture Topic 01:16 What Culture Really Means 02:23 Core Values Must Be Lived 03:47 Hiring and Personal Chaos 04:57 Three Culture Pillars 05:58 Core Values at ATF 06:14 Alignment in Practice 09:01 Character vs Skill Fit 11:45 People Quit Managers 13:51 Integrity and Doing It Right 14:36 Hiring Slow Firing Fast 17:17 Leaders Create Culture 17:27 Fun and Morale Strategy 19:09 Belonging and Recognition 20:29 Low Budget Morale Ideas 22:39 What We Can Do Better 26:00 EQ and Leaving Home at Home 26:43 Recap and Closing 27:15 Disclosures Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule a meeting with us: Trey C. Peterson: [ trey@atfwealth.com ] Yelisey Kuts: [ yelisey@atfwealth.com ] Phone: (612) 286-0580 Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

August 4, 2026Episode 328 min

Annuities, Are They All Bad?

Here's a caption draft for All About Annuities , following the same structure minus timestamps since those aren't available yet: Are annuities a guaranteed paycheck for life, or a costly product that's misunderstood by most retirees? In this episode, Trey and Yelisey break down everything you need to know about annuities and how they fit into a retirement strategy. They explain the different types of annuities, how they generate income, and the pros and cons that often get overlooked in the sales pitch. The conversation covers who annuities make sense for, common myths and misconceptions, fees and surrender charges to watch out for, and how to evaluate whether an annuity belongs in your overall financial plan. Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: /@allthingsfinancialshow Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more! Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule a meeting with us: Trey C. Peterson: trey@atfwealth.com Yelisey Kuts: yelisey@atfwealth.com Phone: (612) 286-0580 Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master's degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master's degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

July 7, 2026Episode 126 min

Transitioning Into Retirement - Building a Life Long Income Stream

Are you focusing too much on a single nest egg target instead of building a guaranteed, lifelong income stream? Retirement is one of the biggest financial and lifestyle transitions you may ever make, and this episode explains why it requires more than simply building a large nest egg. Trey and Yelisey walk through the importance of clarifying expenses, creating a smart income strategy, planning for healthcare costs, and understanding how retirement spending often changes in the first several years. You’ll hear why the best retirement plans are built around peace of mind, realistic lifestyle choices, and a clear strategy for turning savings into dependable income. What you’ll learn in this episode: (00:19) How transitioning into retirement changes your relationship with work, paychecks, saving, and withdrawing money. (00:54) Why retirement may last 20 to 30 years and why that longer runway should shape your planning. (01:26) How retirees can turn investment accounts into a recurring paycheck with taxes withheld. (03:02) Why retirement planning conversations should begin several years before you expect to retire. (03:55) How to identify your income gap by comparing guaranteed income sources with real expenses. (05:22) Why some people spend more in the early years of retirement instead of less. (08:26) How shifting from a nest egg mindset to an income mindset can create more retirement confidence. (17:23) Why healthcare costs, travel goals, and lifestyle expectations need to be built into the retirement plan. Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more! Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

July 21, 2026Episode 224 min

Finance 101: Investing for Dummies

Finance 101: Investing for Dummies - How to Start, Beat Fear, and Harness Compounding Trey Peterson and Yelisey Kuts share beginner-friendly investing lessons, emphasizing that the biggest risk is not investing and that starting early—even with small amounts—lets compounding work over time. Trey recounts learning investing fundamentals after entering retirement planning in 2015 and describes how consistent 401(k) contributions became rewarding as his balance grew. They discuss why people avoid investing, including fear, lack of education, sitting in cash too long, and loss aversion, and cite market history showing frequent intra-year dips yet many years ending positive. A client example highlights how over-correcting to a more conservative allocation in 2020 led to missed gains. They cover inflation’s differing impact on investors vs. non-investors, advocate index funds and dollar-cost averaging, and outline steps to begin: capture 401(k) matches, open a Roth IRA (noting income limits), and use low-cost diversified ETFs while automating contributions. 00:00 Welcome and Investing Basics 00:38 Trey’s Investing Origin Story 02:49 Compounding and Starting Early 07:35 Why People Avoid Investing 09:32 Market Timing and Volatility 10:57 Fear of Loss Mindset 12:46 Client Case Overcorrecting Risk 15:57 Inflation and Asset Protection 19:26 Core Concepts Indexing and DCA 21:01 How to Get Started Steps 22:09 ETF vs Mutual Fund Costs 23:02 Automate and Final Takeaways 23:31 Wrap Up and Disclosures Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@AllThingsFinancialShow?sub_confirmation=1 Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule a meeting with us: Trey C. Peterson: trey@atfwealth.com Yelisey Kuts: yelisey@atfwealth.com Phone: (612) 286-0580 Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

February 3, 202633 min

Growth, Humility, and the Path to Leadership

How does leadership change when it’s viewed as a lifelong process instead of a destination? In this episode, Sophia Skoog interviews Trey C. Peterson on leadership lessons learned through building a business, developing people, and navigating seasons of growth. He shares how leadership is less about titles or rapid success and more about becoming the person capable of stewarding influence well. The conversation centers on character, culture, and building something that lasts beyond recognition or financial gain. What you’ll learn in this episode: (01:41) How early misconceptions about readiness can limit long-term leadership growth. (03:18) Why building a dream requires the right team, not just individual effort. (05:42) How learning seasons prepare leaders for future earning and influence. (08:14) Why prioritizing family and values protects leadership over time. (10:03) How stewardship and generosity shape sustainable leadership influence. (13:15) Why character-driven decisions matter more than short-term financial wins. (28:57) How to distinguish between building something impressive and something enduring. Thanks to Sophia Skoog for coming on the show! Connect with Sophia: https://www.linkedin.com/in/sophia-skoog-402342265/ Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com Subscribe to the podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more! Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule a meeting with us: Trey C. Peterson: trey@atfwealth.com Yelisey Kuts: yelisey@atfwealth.com Phone: (612) 286-0580 Contact us: https://atfwealth.com/contact-us Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com This episode was produced by Story On Media: https://www.storyon.co/

February 16, 2024Episode 239 min

Building a Plan to Achieve Your Retirement Goals

Did you know that 52 percent of American’s are unprepared for retirement? In episode two of All Things Financial, Trey and Yelisey explain how utilizing the “three-legged retirement stool” can prepare you properly for retirement and get you on the path to a financial future that is worry-free in your golden years! Nobody cares more about your money than you do. But Yelisey and Trey like to think of themselves as a close second! The guys provide an extensive level of knowledge and service in key areas concerning retirement strategies. This includes tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. They are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement goals or other financial topics? Send Yelisey, Ryan, and Trey an email and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. Schedule Your Meeting: trey@gwealth.com | yelisey@gwealth.com | (612) 286-0580 Subscribe to the YouTube Page: https://www.youtube.com/Allthingsfinancial About Guardian Wealth Strategies: Today, Guardian Wealth Strategies serves clients in the greater Minneapolis-St. Paul metro area, across the upper Midwest and throughout nineteen states nationwide. Their dedicated advisory team provides professional fiduciary advice and services to both individuals, businesses, and nonprofit organizations. Trey Peterson is a Retirement Planning Specialist with Guardian Wealth Strategies and a Partner of All Things Financial. He and his business partner Yelisey have created a one-stop shop for those in and nearing retirement. Our mission is to help you: Retire once, Retire well. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership. Yelisey Kuts is a Fiduciary Wealth Advisor with Guardian Wealth Strategies and a Partner of All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey is also an educator. Since 2015, Yelisey has been teaching evening classes on a wide range of retirement topics.

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