Keep What's Yours

Hosted by Jeff Zufall - Capital Advisory Group Inc.

Business Entrepreneurship

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Episodes

172

Latest episode

Aug 2026

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About the show

Podcast by Jeff Zufall & Josh Gilbert

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60 recent

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!

June 27, 202649 min

2026-06-27 New Tax Strategies, HSAs, AI Investing & What the Fed Means for Your Financial Future

The tax code changes every year—Looking for ways to legally reduce your taxes and build long-term wealth? In this episode of Keep What's Yours, Jeff Zufall and Josh Gilbert discuss practical tax-saving strategies available under the latest tax law, including Health Savings Accounts (HSAs), 529 college savings plans, capital gains planning, Medicare tax strategies, and why proactive tax planning can save thousands over time. They also break down the Federal Reserve's latest interest rate decisions, inflation concerns, the explosive rise of SpaceX and artificial intelligence, and how these trends could impact investors and retirees. Whether you're building wealth, planning for retirement, or simply trying to reduce your tax bill, this episode offers practical insights to help you keep more of what you've earned. Are you taking advantage of every opportunity available to reduce your taxes in 2026? Call Capital Advisory Group at 636-394-5524 today!

June 6, 202646 min

2026-06-06 The Triple Tax Advantage: HSAs, Smart Retirement Planning, and Keeping More of Your Money

Looking for legal ways to lower your taxes and build wealth? On this episode of Keep What's Yours, Senior Tax Strategist and Wealth Advisor Jeff Zufall explains how the latest IRS changes can help you maximize Health Savings Accounts (HSAs), reduce taxable income, optimize 401(k) and IRA contributions, avoid costly backdoor Roth IRA mistakes, and create a smarter retirement strategy. Jeff also discusses tax bracket planning, dynamic financial planning, the new tax provisions under the One Big Beautiful Bill, and how taxpayers may qualify for IRS penalty refunds from the COVID era. Whether you're planning for retirement, managing investments, or simply trying to pay less in taxes, this episode offers practical tax planning strategies for 2026 and beyond. If you’re searching for tax tips, IRS rules, small business tax advice, or strategies to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

May 30, 202652 min

2026-05-30 Tax Planning Strategies for 2026 | SECURE Act 2.0, Retirement Taxes, Capital Gains & IRS Updates

Tax season may be over, but tax planning is just getting started. In this episode of Keep What's Yours, Jeff Zufall and Josh Gilbert discuss why proactive tax planning can save thousands of dollars long before April 15 arrives. They break down key provisions of the One Big Beautiful Bill, SECURE Act 2.0 retirement opportunities, capital gains tax strategies, inherited IRA distribution planning, summer camp tax credits, long-term care premium deductions, and the growing role of AI at the IRS and in tax preparation. Whether you're preparing for retirement, managing investments, or simply looking to reduce your tax burden, this episode offers practical strategies to help you keep more of what you earn. If you’re searching for tax tips, IRS rules, small business tax advice, or strategies to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!

May 23, 202648 min

2026-05-23 Why the 30-Year Bond Yield Matters More Than You Think

In this episode of Keep What’s Yours, Jeff Zufall and Josh Gilbert break down why rising 30-year bond yields are creating concern across the economy — and what it could mean for mortgage rates, inflation, and the future of U.S. debt. They also celebrate the 50th anniversary of Capital Advisory Group and discuss key tax-saving opportunities hidden inside the “Big Beautiful Bill,” including deductions for vehicle loan interest, charitable giving updates, gambling loss limitations, and retirement tax strategies. Plus, Jeff explains why so many Americans unknowingly overpay in taxes and how small adjustments could potentially save thousands each year. If you’re searching for tax tips, IRS rules, small business tax advice, or strategies to reduce your taxes in 2026, call Capital Advisory Group at 636-394-5524 today!