That Financial Guy

Hosted by Keith Wilson

Business Investing Education

Website RSS feed

Episodes

Latest episode

Apr 2026

Language

EN-US

About the show

That Financial Guy is a podcast dedicated to making financial planning and investing easy to understand and to implement. Keith and Jack Wilson are practicing financial advisors who own a financial planning firm, Wilson Financial Advisors. They are a father and son team "spreading a wealth of information" helping you along your personal finance journey. Whether its personal finance including investments, retirement planning, estate planning, financial planning, college funding, budgeting and more you will find it here! Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

Listen to episodes

60 recent

April 21, 2026Episode 6828 min

What A Good Financial Plan Actually Looks Like

Most people think they have a financial plan.But in reality, they just have a collection of accounts.In this episode, I break down what a real financial plan actually looks like — not theory, not fluff, but how it works in real life.At its core, a financial plan should address three major areas: retirement, survivorship, and education planning — with tax strategies woven through all of it. We walk through how to build a retirement blueprint by defining when you want to retire, what that lifestyle actually costs, and how to connect where you are today to where you want to be. We also dig into how to structure your investments across tax buckets, create a sustainable income plan, and avoid common mistakes like ignoring withdrawal strategy and sequence of returns risk.From there, we cover survivorship planning — making sure your spouse and family are protected, your beneficiaries are set correctly, and your estate plan is in place. And finally, we talk about education planning and how to intentionally fund future goals for your kids using tools like 529 plans, UTMAs, or brokerage accounts.This is about giving your money purpose.Don’t guess. Have a plan.Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...

April 14, 2026Episode 6727 min

Financial Trade Offs Nobody Talks About

Most financial decisions are not about right or wrong.They’re about tradeoffs.In this episode, I walk through some of the biggest financial tradeoffs I see when working with clients — and how to think through them in a practical, real-world way.We talk about saving more now versus living more now, paying off your mortgage versus investing, retiring early versus retiring comfortably, and how to help your children without compromising your own retirement. These are decisions that don’t have perfect answers, but they do have consequences depending on what you choose.I also share real client-style examples to show how these tradeoffs actually play out inside a financial plan, and how small adjustments can change the outcome in meaningful ways.The goal is not to find the “best” answer.The goal is to understand what you’re gaining, what you’re giving up, and how it fits into your overall plan.Because once the plan is clear, the decisions become much easier.As always, the plan comes first.Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...

April 7, 2026Episode 6621 min

You Don't Have an Investment Problem... You Have a Planning Problem!

Most people think their portfolio is the problem.Performance is off. The market feels uncertain. Something just doesn’t feel right. So the natural reaction is to start changing investments.But in many cases, the issue isn’t the investments.It’s the lack of a clear plan.In this episode, I walk through why so many people focus on the wrong thing and how a well-structured financial plan creates clarity, discipline, and confidence. We talk about aligning investments with specific goals, understanding time horizons, avoiding performance chasing, and why your savings rate, tax strategy, and income plan matter just as much — if not more — than what you’re invested in.Because one portfolio cannot do everything. And without a plan, it often ends up doing very little well.If you’ve ever felt unsure about your investments, this episode will help you take a step back and ask a better question.Not “what should I invest in?” But “what is my plan?”As always, the plan comes first.Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...

March 31, 2026Episode 6527 min

Retirement Strategies We Love To Hate

Some of the most criticized retirement strategies are not bad strategies… they’re just misunderstood.In this episode, I walk through several of the most commonly disliked financial strategies and explain when they may actually make sense within a well-structured plan.I cover topics like annuities, Roth conversions, holding cash, paying off your mortgage before retirement, the 4 percent rule, spending flexibility, and delaying Social Security. These are all areas where I see strong opinions, but the real answer often depends on context.This is not about promoting any one strategy. It is about understanding what problem each strategy is designed to solve, and when it may or may not fit into your overall plan.Because the goal is not to chase popular opinions. The goal is to make intentional decisions that support your long-term financial life.As always, the plan comes first.Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...

March 24, 2026Episode 6428 min

Client Q&A: Savings Rates, Retirement Moves, and Inherited IRAs

In this episode, I answer three real questions that recently came up in client meetings — questions that many people are probably wondering about themselves.First, we talk about 401k savings rates. Should you count your employer match as part of your savings rate? I explain why I prefer to separate your personal savings discipline from the company match, and how to think about what your true savings rate should be depending on your retirement goals.Next, we discuss a question from a retired couple in their early 60s who asked me something very direct: “Are we crazy for wanting to move to another house in retirement?” We walk through the financial planning considerations behind making a move later in life, including mortgage decisions, qualifying for a loan after retirement, and how housing choices fit into a sustainable retirement income plan.Finally, we dive into inherited IRA rules — specifically a situation where the beneficiary was less than ten years younger than the original account owner. That age difference can change how inherited IRA distributions work and may allow for life expectancy distributions instead of the ten-year rule.As always, the plan comes first!Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...

March 10, 2026Episode 6322 min

The Middle Class Millionaire Formula

How do ordinary families quietly become millionaires?Not by chasing hot stock tips. Not by building tech startups. Not by getting lucky.In this episode, I break down what I call the Middle Class Millionaire Formula — the simple, disciplined habits that consistently build seven-figure net worths over time.We talk about steady income, avoiding lifestyle creep, participating in employer retirement plans, and why the race to your first $100,000 is the true financial inflection point. I also discuss the average age most people reach a million-dollar net worth — and why wealth accumulation for the middle class is gradual, not explosive.This episode isn’t about speculation. It’s about structure. It’s about stacking small advantages over decades and allowing compound interest to do the heavy lifting.If you’ve ever wondered whether becoming a millionaire is realistic without extraordinary income, this episode will give you clarity — and a practical path forward.Because in the end, you don’t need brilliance.You need discipline.And as always, the plan comes first.Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...

March 3, 2026Episode 6220 min

Live, Adjust & Repeat: Pillar 7

Retirement is not a finish line. It is a phase.In this episode, I wrap up the Plan First Financial Path with Pillar Seven: Live, Adjust, Repeat. After clarifying goals, building a foundation, protecting the plan, investing with purpose, paying less taxes over time, and turning savings into income, this final pillar is about what happens next.Most financial plans assume life stays the same. Same spending. Same health. Same markets. But retirement moves in seasons, and real planning requires recalibration.I introduce the concept of an annual life audit — not just reviewing your portfolio, but reviewing your life. What did you actually enjoy? What spending did not matter? Did your money align with your values? Is your time being spent the way you imagined?We talk about dynamic spending instead of rigid withdrawal rules, the importance of flexibility, and the three levers of retirement stability: spending, income timing, and asset allocation. I also dive into something rarely discussed — purpose risk — and why money alone does not create fulfillment.The plan funds the freedom. But freedom without direction can feel empty.Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...

February 24, 2026Episode 6129 min

Turn Savings Into Income: Pillar 6

This is the moment everything has been building toward.In this episode, I break down Pillar Six of the Plan First Financial Path, Turn savings into income. After clarifying goals, building a foundation, protecting the plan, investing with purpose, and planning to pay less taxes over time, this is where we convert decades of saving into a structured retirement paycheck.I talk about the mindset shift from saver to spender, why guaranteed income sources like Social Security, pensions, annuities, and Treasury bond ladders can create stability, and how I approach covering essential living expenses first before allocating money toward travel, lifestyle, and discretionary spending.We dive into withdrawal sequencing, tax coordination, bucket strategies, sequence of returns risk, and the role of cash buffers in protecting early retirement years. I also discuss total return strategies, the 4% rule, Bill Bengen’s updated research, and why flexibility matters more than any single percentage.Turning savings into income is not about guessing the perfect withdrawal rate. It is about designing a system that supports your life with confidence and adaptability.Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...

February 17, 2026Episode 6031 min

Pay Less Taxes Over Time - The Fifth Pillar

Most people think tax planning is about getting the biggest deduction this year. Real tax planning is about paying the least amount of tax over your lifetime.In this episode, I break down Pillar Five of the Plan First Financial Path, Pay less taxes over time. This pillar focuses on making intentional tax decisions that align with your long-term goals, not just the current tax return.We dive deep into Roth contributions and Roth conversions, and why it may not always make sense to automatically max out a traditional 401k. I explain the importance of balancing tax deductions today with tax-free income later, and how current and future tax brackets should influence those decisions.This episode also explores the difference between tax preparation and tax planning, including how CPAs often focus on minimizing taxes this year, while long-term planning looks across decades. I walk through practical examples of tax loss harvesting and tax gain harvesting in non-retirement accounts, showing how these strategies can create flexibility and reduce future tax exposure when coordinated with income planning.Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...

February 10, 2026Episode 5922 min

Invest With A Purpose - The Fourth Pillar

Investing should support your plan, not drive it.In this episode, I break down Pillar Four of the Plan First Financial Path, Invest with purpose. This pillar focuses on slowing down and being intentional about how and where you invest, instead of chasing speculative ideas or the next hot stock tip.We talk about why time horizon matters, how different types of accounts serve different roles, and why short term money should be invested conservatively. I also explain why Roth accounts are often positioned more aggressively due to their long term, tax free growth potential, while money needed in the next five years may be better suited for cash, high yield savings, or CDs.This episode also covers the importance of automation, setting up consistent contributions, and paying yourself first, so investing becomes a habit instead of an emotional decision.When the plan dictates how you invest, emotion fades and purpose takes over. This episode explains why investing comes after clarity, foundation, and protection in a holistic financial plan. investing with purpose, retirement investing, Roth IRA strategy, investment time horizon, personal finance podcast, plan first financial path, long term investing Helping you to be wise with your money!To see more videos discussing personal finance Subscribe:https://www.youtube.com/channel/UCbDA...For more resources: 👉 https://wfa-nc.com/insights 📝 Get your Free Retirement Plan checkuphttps://wfa-nc.com/retirement-plan-ch...To schedule a complimentary consultation with me: 👉...