Keep What's Yours

Hosted by Jeff Zufall - Capital Advisory Group Inc.

Business Entrepreneurship

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Episodes

177

Latest episode

Oct 2026

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About the show

Podcast by Jeff Zufall & Josh Gilbert

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60 recent

October 10, 202650 min

2026-10-10 Keep More, Pay Less: Tax-Saving Strategies You May Be Missing

Are you paying more in taxes than you need to? In this episode of Keep What's Yours, senior tax strategist and wealth advisor Jeff Zufall of Capital Advisory Group joins host Josh Gilbert to reveal practical strategies for reducing your tax burden and building long-term wealth. Discover how Health Savings Accounts (HSAs) offer triple tax advantages, how 529 college savings plans and new Trump Accounts can help secure your children's financial future, and why small, consistent contributions can make a big difference over time. Jeff also discusses changes at the IRS, the importance of managing estimated tax payments, and how proactive tax planning can help you avoid costly mistakes. Whether you're saving for retirement, planning for your children's education, or simply looking to keep more of your hard-earned money, this episode offers valuable insights you can put to work. If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 or visit the website www.CapitalAdvisoryGrp.com today!

September 26, 202647 min

2026-09-26 The Year-End Money Moves That Could Save You Thousands

What tax moves should you make before the end of the year? Jeff Zufall, Senior Tax Strategist and Wealth Advisor with Capital Advisory Group, joins Josh Gilbert to discuss year-end tax planning strategies, Roth conversions, 401(k) catch-up contributions, tax brackets, Medicare IRMAA, investment risk and retirement planning. They also examine how Federal Reserve interest-rate increases and inflation can affect bond funds, mortgage rates, homebuyers and household finances. Plus, learn how to prioritize high-interest debt, find forgotten monthly subscriptions, use an IRS ID.me account to monitor your tax records, and check your Social Security earnings history for errors. If you're looking for practical tax-saving strategies, retirement planning ideas and ways to keep more of your money working for you, this episode of Keep What’s Yours is a great place to start. If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 or visit the website www.CapitalAdvisoryGrp.com today!

September 12, 202650 min

2026-09-12 The Tax Moves You May Be Missing

How can you reduce taxes in retirement, avoid higher Medicare premiums, and take advantage of new tax deductions? In this episode of Keep What’s Yours, senior tax strategist and wealth advisor Jeff Zufall joins Josh Gilbert to discuss Roth conversions, Medicare IRMAA surcharges, required minimum distributions (RMDs), Roth IRA withdrawal rules, capital gains taxes, annual gift-tax exclusions, and proactive retirement tax planning. They also explain the St. Louis County senior property-tax freeze and why eligible homeowners need to renew, examine how inflation and rising interest rates can affect investors, and discuss the new tax deduction for interest paid on qualifying U.S.-assembled vehicles. Learn why tax preparation alone may not be enough—and how year-round tax strategy can potentially help you keep more of your retirement income and investment gains. If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 or visit the website www.CapitalAdvisoryGrp.com today!

September 5, 202650 min

2026-09-05 Keep More, Owe Less: Tax Moves, Interest Rates & the New Rules for 2026

What could changing interest rates, new tax rules and the rising cost of living mean for your money? On this episode of Keep What’s Yours, Jeff Zufall and Josh Gilbert break down the financial issues affecting individuals, investors and small-business owners in 2026. They discuss how choosing the right business structure may reduce self-employment taxes, new rules affecting gambling losses, why rising interest rates can hurt bond funds, and how today's rates are reshaping the housing market. Plus, Jeff explains why a realistic budget—including healthcare costs—is essential to knowing when you can actually afford to retire, and what a proposed expansion of the definition of “small business” could mean for Main Street businesses competing for government programs and benefits. If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

August 22, 202648 min

2026-08-22 The Retirement Tax Trap: Roth Conversions, Medicare & the New Senior Deduction

How can Roth conversions, RMDs and retirement withdrawals affect your taxes and Medicare premiums? In this episode of Keep What’s Yours, senior tax strategist and wealth advisor Jeff Zufall explains retirement tax planning strategies involving Roth IRA conversions, 401(k)s, required minimum distributions (RMDs), Medicare IRMAA surcharges and the new senior tax deduction for taxpayers age 65 and older. Learn why increasing your taxable income in retirement can reduce valuable tax deductions and potentially increase Medicare costs, when a Roth conversion may—or may not—make financial sense, and why September is an important time to begin year-end Roth conversion planning. Jeff and Josh Gilbert also discuss capital gains taxes, step-up in basis, real estate depreciation, retirement income planning, tax filing extension deadlines and strategies for creating taxable, tax-deferred and tax-free sources of retirement income. If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

August 15, 202651 min

2026-08-15 Before You Make a Money Move: Know the Tax Consequences

How can you reduce taxes on investments, Social Security and retirement income? On this episode of Keep What’s Yours, senior tax strategist and wealth advisor Jeff Zufall explains how strategic tax planning can help investors and retirees make smarter financial decisions before triggering unexpected tax bills. Learn about short-term vs. long-term capital gains, capital-loss strategies, tax-efficient investing, 401(k) withdrawals, Social Security claiming strategies, required minimum distributions (RMDs), retirement budgeting and the potential “tax time bomb” retirees can face. Jeff and Josh also discuss inflation, Federal Reserve interest-rate policy, oil prices and the Iran conflict, stock-market resilience, and Missouri’s rejected state income-tax proposal. Discover why coordinating tax planning, investment management and retirement planning can help you keep more of what’s yours. If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

August 1, 202650 min

2026-08-01 Will the Fed Raise Rates Again? Plus the Hidden Tax Changes Every Missourian Should Know

Could interest rates actually be heading higher instead of lower? This week, Jeff Zufall and Josh Gilbert break down the Federal Reserve's latest decision, why inflation continues to be stubborn, and what it could mean for mortgages, investments, and your financial future. They also take an in-depth look at Missouri's Amendment 5, explaining how eliminating the state income tax could dramatically expand sales taxes—and why every Missouri voter should understand the potential impact before heading to the polls. Plus, learn why tax planning should happen year-round—not just during tax season—and how coordinating your investment and tax strategies can potentially save thousands of dollars over your lifetime. If you're looking to keep more of what you've earned, this episode is packed with practical insights you won't want to miss. If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

July 27, 202648 min

2026-07-25 Keep More of Your Money: Smart Tax Strategies That Can Save You Thousands

Are you making the most of every paycheck? In this episode of Keep What's Yours, Jeff Zufall and Josh Gilbert explain why successful financial planning is about much more than filing your taxes once a year. Learn how to balance taxable, tax-deferred, and tax-free retirement accounts, avoid costly Required Minimum Distribution (RMD) surprises, reduce Medicare premium increases, maximize business mileage deductions, and stay ahead of IRS estimated tax rules. Whether you're a business owner, self-employed, approaching retirement, or simply looking to keep more of what you've earned, this episode is packed with practical strategies that could save you thousands over your lifetime. If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

July 18, 202652 min

2026-07-18 Keep More of Your Money: Hidden Tax Deductions, New Car Tax Breaks & Retirement Planning Mistakes

Are you overlooking valuable tax deductions that could save you hundreds—or even thousands—of dollars? In this episode of Keep What's Yours, Jeff Zufall and Josh Gilbert break down several often-overlooked tax strategies that could help you legally reduce your tax bill. Learn how business, medical, and charitable mileage deductions work, discover the new tax deduction for qualifying U.S.-assembled vehicles, and understand why Roth conversions aren't always the best move. They also discuss the current economy, inflation, AI's impact on jobs and investing, and why tax planning—not just tax preparation—can make a significant difference in your long-term financial success. If you’re not taking advantage of every opportunity available to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

July 15, 202648 min

2026-07-11 Trump Accounts, Roth Conversion Myths & the Interest Rates: What You Need to Know

The tax landscape continues to evolve, and this week's episode of Keep What's Yours breaks down several of the biggest financial changes affecting American families. Jeff Zufall explains the new Trump Accounts for children, compares them to 529 plans and custodial investment accounts, and discusses how parents and grandparents can determine which savings strategy makes the most sense. Jeff also examines why Roth conversions aren't always the right answer despite aggressive marketing, explains the latest developments surrounding ACA (Obamacare) subsidy changes, discusses how inflation and Middle East tensions are influencing interest rate decisions, and covers the upcoming increase in the 1099 reporting threshold. If you're looking to make smarter tax decisions, reduce unnecessary taxes, and build long-term wealth, this episode provides practical guidance you can use today. Are you taking advantage of every opportunity available to reduce your taxes in 2026? Call Capital Advisory Group at 636-394-5524 today!