All Things Financial

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Aug 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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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

May 26, 202619 min

Taxes in Retirement Part 1

Did you know there’s a specific order of withdrawals that can help maximize retirement savings? Taxes can quietly become one of the biggest factors in how much retirement income investors and retirees actually keep. In this episode, Trey and Yelisey explain how Social Security taxation, withdrawal order, progressive tax brackets, RMDs, and account location can all affect a retirement plan. They also emphasize the value of proactive tax strategy so retirees can make informed decisions before small mistakes become expensive surprises. What you’ll learn in this episode: (01:52) Social Security benefits are subject to federal taxes depending on total income sources. (03:00) Provisional income is the key calculation used to determine what percentage of Social Security is taxable. (03:49) Taxation of Social Security has changed significantly since 1984, moving from tax-free to potentially 85% taxable. (05:48) Most financial experts recommend a withdrawal sequence starting with brokerage accounts, followed by pre-tax accounts, and ending with Roth IRAs. (09:12) Proper asset location involves placing higher-growth equities in Roth accounts while keeping safer assets in pre-tax vehicles. (11:27) Required Minimum Distributions must be planned well in advance to avoid unexpected tax consequences. (12:57) Excessive retirement income can lead to higher Medicare premiums and the loss of certain itemized medical deductions. (15:46) New legislation introduced a temporary senior tax deduction of $6,000 for qualifying individuals aged 65 and older. 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/

November 25, 202523 min

The Billion Dollar Wedding Industry

How can rising wedding costs impact your long-term financial stability and retirement prospects? In this episode, Trey and Yelisey break down the booming wedding industry and reveal how its rising costs directly affect retirees. They explain the opportunity cost behind big gifts, why delayed marriage intersects with retirement planning, and how to provide support without sacrificing long-term financial security. From tax strategies to family dynamics, this episode will help you navigate major life-event expenses with clarity and confidence. What you’ll learn in this episode: (00:26) How delayed marriage trends are causing more retirees to fund weddings during their retirement years. (02:24) Why gifting $10,000–$30,000 has a far larger long-term impact once opportunity cost and compounding are considered. (03:34) How wedding venue choices and guest counts drastically influence total costs. (07:50) Which financial accounts to draw from first when helping pay for a wedding. (08:18) How the annual gift tax exclusion works. (12:45) Why transfers of appreciated stock can sometimes be a smarter gifting strategy than giving cash. (14:55) How timing withdrawals across multiple tax years may reduce the tax burden of a large wedding gift. (15:33) Why giving during life differs financially from gifting through inheritance due to step-up in basis rules. (21:55) When helping to fund a wedding, why it’s often best to give the money without any strings attached. 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/

November 1, 202450 min

Set Yourself Up for Retirement Success

Are you ready to take control of your retirement future. In episode 29 of All Things Financial, Yelisey and Ryan disperse actionable strategies and essential tips to set yourself up for a successful and secure retirement. Plus, the guys break down the top financial regrets of older Americans and discuss strategies to avoid these mistakes as you’re nearing or in retirement! Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves 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. We are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement planning or other financial topics? Send Yelisey, 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 | ryan@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.

August 30, 2024Episode 2540 min

Avoid Top Fears of Retirees – Make Sure Your Money Lasts

As you near your retirement, proper planning is essential to ensure financial stability in retirement. In episode 25 of All Things Financial, Yelisey and Trey break down three important steps to solidify that your money lasts in retirement. Plus, the guys discuss how election years impacted inflation. Nobody cares more about your money than you do. But Yelisey and Trey like to think of ourselves 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. Trey and Yelisey are a one-stop shop for all your retirement needs! Visit ATFPodcast.com to learn more! Have questions about retirement planning or other financial topics? Send Yelisey, 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.

October 16, 20246 min

Social Security Announces Lowest Cost of Living Adjustment in Four Years

GUEST : Jenn Jones, VP of Government Affairs, AARP TOPIC : Each year the Social Security Administration announces the cost-of-living adjustment (COLA) for the upcoming year. Last week, leaders announced a 2.5% COLA for 2025. That is smaller than recent years – attributable to slowing inflation. COLA increases are meant to offset rising prices including food, gas and living expenses. This year, retirees on a fixed income have struggled to keep up with inflation and the 2025 COLA is expected to provide some relief. 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.

January 6, 202631 min

Redefining Success After 60

Have you given much thought to how your definition of success might change after age 60? This episode will invite you to rethink what success really means after age 60 and why mindset matters as much as preparation. Trey and Yelisey discuss identity, purpose, structure, and perspective as key drivers of fulfillment in retirement. Rather than viewing retirement as an ending, the episode reframes it as an invitation to live with intention, connection, and meaning. What you’ll learn in this episode: (00:20) How redefining success after age 60 shifts the focus from work to purpose. (05:16) How losing control over the timing of retirement can affect emotional well-being. (06:41) Why building purpose outside of work before retirement leads to greater fulfillment later. (07:21) How structure and rhythm replace a work schedule and improve happiness in retirement. (09:08) Why service, volunteering, and giving back often provide more satisfaction than a paycheck. (21:19) How loneliness impacts retirees. (25:40) Why couples need shared and individual plans to thrive together in retirement. 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/