The Abundance Mindset

Hosted by Allison Cline CFP®, ChFC® & Ben Cline CRPS®

Business Entrepreneurship Investing Education

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Oct 2026

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Real, transparent conversations about key financial planning topics. We don't like industry jargon or hidden fees / hidden agendas, so we're here to level up your financial IQ and provide you the resources you need to make wise decisions for yourself and those close to you. Visit us at https://www.abundancewm.com/ Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment advisor. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

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October 22, 202630 min

Retiring Early? Build Your Portfolio Differently

If you want to retire early, you need a vastly different set of strategies than your peers retiring at more “standard” ages. For professionals hoping to retire in their 40s or 50s, accumulating wealth is only part of the equation. Your money may be spread across 401(k)s, Roth accounts, HSAs, taxable investments, and cash, each with different tax considerations and roles in your retirement plan. In this episode of The Abundance Mindset , Allison and Ben break down the key planning pillars of early retirement, including how to balance short-, mid-, and long-term assets, use taxable accounts to help bridge the years before traditional retirement age, and coordinate Roth and pre-tax savings. They also discuss how asset location, investment allocation, cash reserves, taxes, and healthcare costs can work together within one financial plan. Retiring early isn’t just about reaching a certain net worth. It’s about having the right money, in the right places, available at the right time. ⏱️ TIMESTAMPS 00:00 Early Retirement Pillars 01:37 FIRE Myths and Nuance 02:45 Traits of Successful Savers 04:12 Tax Smart Account Buckets 08:01 Midterm and Cash Strategy 09:27 Brokerage Tax Advantages 11:26 Healthcare and Income Control 14:27 Avoiding Product Traps 16:45 Work With Abundance 17:33 Asset Location Tax Wrappers 23:05 Asset Allocation and Tax Drag 27:34 Household Portfolio Optimization 29:09 Wrap Up and Next Steps 🎯 RESOURCES FROM THIS EPISODE: Visit our website to request a complimentary consultation: https://www.abundancewm.com 🎧 Listen on Apple Podcasts, Spotify, or watch the full video version on YouTube. DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

October 8, 202622 min

Changing Jobs? Don't Miss Unique Tax Planning Opportunities

If you're changing jobs, you're probably focused on your new salary, bonus, and equity package. But a career transition can also create one of the most valuable tax-planning opportunities of your career. In today's episode of The Abundance Mindset , Ben and Allison break down: · How a job change can create unique tax-saving opportunities · When a lower-income year may make Roth conversions more attractive · Common 401(k) mistakes people make when changing employers · How to evaluate Roth vs. pre-tax contributions in your new plan · What to do with existing RSUs, stock options, and company stock holdings · Why equity compensation schedules can dramatically impact tax planning · How stock sales and capital gains interact with your overall tax picture · Benefit decisions to revisit, including HSAs and disability coverage · Real client case studies showing how proactive planning can improve outcomes Whether you're moving to a new company, negotiating a compensation package, or simply want to avoid costly mistakes during a transition, this episode will help you think about a job change as more than a career decision. It's a financial planning event that deserves a strategy. ⏱️ TIMESTAMPS 00:00 The Job Change Tax Window 00:58 Why Job Changes Matter 03:38 Income Gaps And Timing 05:27 Case Study: Military To Big Tech 06:25 401k Strategy Reset 08:09 Avoid Overcontribution Errors 09:38 Equity Mapping And Sales 10:57 Capital Gains Interactions 12:32 Withholding And CPA Support 13:12 Planning Event Not Checklist 14:00 Case Study: Big Tech Switch 18:23 Benefits Analysis 19:34 Wrap Up 🎯 RESOURCES FROM THIS EPISODE: Download our free Equity Comp Guide by signing up for our newsletter: https://www.abundancewm.com/contact Visit our website to request a complimentary consultation: https://www.abundancewm.com DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

September 24, 202622 min

Own Too Much of One Stock? Strategies for Concentrated Stock Positions

Have you spent years accumulating company stock only to realize that selling it could trigger a massive tax bill? For many professionals, RSUs, options, and employee stock purchase plans can quietly grow into a concentrated position that creates both opportunity and risk. The stock has performed well, but now a significant portion of your net worth may be tied to a single company, and diversifying could come with substantial capital gains taxes. In this episode of The Abundance Mindset , we dig into advanced planning and investment strategies designed to offset capital gains in extreme circumstances. We also discuss how this strategy compares to more traditional solutions such as selling shares over time, charitable gifting, and regular tax loss harvesting strategies. If a successful stock position has left you wondering what to do next, this episode will help you move beyond the tax implications and focus on creating a strategy that supports your broader financial goals. ⏱️ TIMESTAMPS 00:00 The Concentrated Stock Problem 00:54 A Stock Picking Story 02:28 Why Taxes Get Messy 04:00 Key Terms to Know 05:52 The Long/Short Strategy 07:51 Sell Now or Spread It 11:46 Charitable Stock Gifting 13:01 Pressing the Tax Gas 16:01 When to Use the Tax Loss Maximizer 16:52 How the Strategy Works 19:26 Costs Versus Savings 21:10 Your Next Steps 🎯 RESOURCES FROM THIS EPISODE: Download our free Equity Comp Guide by signing up for our newsletter: https://www.abundancewm.com/contact Visit our website to request a complimentary consultation: https://www.abundancewm.com 🎧 Listen on Apple Podcasts, Spotify, or watch the full video version on YouTube (link) DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

September 10, 202619 min

The RSU Tax Trap: Why Withholding Isn't a Strategy

If you receive RSUs, stock options, or ESPP shares as part of your compensation, tax withholding may be covering the bill, but it isn't necessarily optimizing your financial strategy. In this episode of The Abundance Mindset , Ben and Allison explain why equity compensation requires more than just withholding taxes and how high earners can build a financial operating system that coordinates tax planning, investment decisions, and long-term wealth building. In today's episode, Ben and Allison break down: • Common misconceptions about RSUs, tax withholding, and proactive tax planning • Why equity compensation can create unexpected tax opportunities and tax surprises throughout the year • How stock vesting, capital gains, and changing income levels impact your broader financial plan • The importance of tax projections, stock sale policies, and year-round planning for high-income professionals • How financial advisors and CPAs can work together to improve tax efficiency and decision-making Whether you're accumulating company stock, managing concentrated positions, or trying to get more intentional about your tax strategy, this episode will help you think beyond individual stock decisions and focus on building a system that supports your long-term financial goals. 🎯 RESOURCES FROM THIS EPISODE: · Take our 3-minute Equity Comp Quiz & get your free strategy assessment: https://tally.so/r/np92p8 · Download our free Equity Comp Guide by signing up for our newsletter: https://www.abundancewm.com/contact · Visit our website to request a complimentary consultation: https://www.abundancewm.com 🎧 Listen on Apple Podcasts, Spotify, or watch the full video version on YouTube: https://youtu.be/VR81WAK5g9g DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

August 20, 202620 min

Why Smart Financial Plans Can Still Fail

A financial plan is only valuable if it is documented, updated, and implemented with discipline. In this episode of The Abundance Mindset, Allison and Ben explain why proactive financial planning matters for high-earning professionals, equity-compensated employees, and business owners whose financial lives are too dynamic for a once-a-year review. We discuss the difference between academically good strategy and operationally effective planning. ⏱️ TIMESTAMPS 00:00 Intro 00:54 Summer Studio Catch Up 02:16 Why Plans Go Stale 04:47 Cadence And Service Calendar 05:57 Year Round Planning Cycle 07:52 Strategic Inaction 10:18 Opportunity Windows for Action 11:52 What Proactive Planning Looks Like 16:05 Who Manages Your Money Life? 18:20 Wrap Up And Next Steps 📌 RESOURCES Visit our website to request a complimentary consultation: https://www.abundancewm.com DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

July 16, 202617 min

Finfluencers vs. Regulated Professionals: How to Spot Real Financial Signal

Has "Hot Take" culture diluted good financial insights? Absolutely. Our latest podcast episode digs into the value of information communicated by regulated financial professionals - and why the hottest take is rarely the best take. Need better voices in your algorithm? Susbcribe to our YouTube channel and Podcast! ⏱️ TIMESTAMPS 00:00 Too Good To Be True 00:46 Why "Boring" Wins 01:42 Signal Versus Noise 02:50 What "Finfluencers" Are 03:43 What "Regulated Professional" Means 04:55 Compliance Standards for Professionals 08:00 Viral Money Myths 10:11 Curating Better Voices 10:46 Four Filters To Use 14:31 Principles Not Prescriptions 15:31 Wrap Up And Share DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

July 2, 202625 min

Is a Trump Account Right for your Child?

Trump Accounts are officially here on July 4th — but are they actually worth using for your kids? If your child was born in 2025 or later, they may qualify for a $1,000 government-funded investment account — but that headline doesn’t tell the full story. The real question is how this new account compares to Roth IRAs, 529 plans, and brokerage accounts, and whether it fits into a smart long-term plan. In this episode of The Abundance Mindset, we break down: • What a Trump Account actually is (and how it works) • The real tax treatment (and why it’s more complex than it sounds) • Where it fits in your child savings priority stack • And the advanced Roth conversion strategy that could turn this into a powerful long-term advantage 👉 The key takeaway: Trump Accounts aren’t a primary strategy — but used correctly, they can unlock a high-impact tax play when your child turns 18. 📌 RESOURCES Visit our website to request a complimentary consultation: https://www.abundancewm.com ⏱️ TIMESTAMPS 00:00 – The $1,000 “free money” headline (and what people are missing) 01:20 – Why parents prioritize saving for kids 02:00 – How Trump Accounts compare to Roth IRAs & 529s 02:30 – Eligibility rules + who gets the $1,000 seed funding 04:20 – Contribution limits ($5,000 cap explained) 05:00 – Tax treatment breakdown (after-tax + tax-deferred growth) 06:15 – Employer contribution benefits 06:50 – Liquidity rules (locked until age 18) 07:30 – Qualified uses: education, home, or business 08:20 – Investment limitations (US index funds only) 09:30 – Key differences vs Traditional IRAs 10:30 – Why the tax benefits aren’t great… at first glance 11:15 – How this fits into a full financial plan 12:00 – Our ideal priority stack for kids’ accounts 12:20 – #1: Why Roth IRAs are still the gold standard 14:30 – #2: 529 plans (and their limitations) 16:30 – #3: Brokerage accounts (flexibility + estate benefits) 18:15 – Where Trump Accounts actually fit 18:40 – The Roth conversion strategy at age 18 20:00 – How to potentially convert at little or no tax 21:00 – Turning Trump Accounts into a “supercharged Roth” 22:15 – Final verdict: when (and why) to use them 23:00 – Important planning caveats 23:30 – How to build your own strategy DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

June 18, 202626 min

Google Employee? Key 401(k) & GSU (RSU) Strategies

Are you fully optimizing your Google 401(k) and GSU grants? 📌 EPISODE RESOURCES - Request a free strategy assessment via our website: https://www.abundancewm.com/contact?utm_source=youtube&utm_medium=video&utm_campaign=abundance_mindset_ep055&utm_content=yt_description - Check out our podcast episode on Stock Options: https://www.abundancewm.com/podcast/episode/56bf3b05/stock-options-give-you-options-mastering-your-equity-comp In this episode Allison (CFP®) and Ben (CRPS®) explain key financial planning opportunities and common mistakes for Google employees around the Google 401(k) and Google equity compensation (GSUs/RSUs). Google has a lot of nuance and customization in these vehicles, which can be powerful. But with more nuance and customization comes more complexity. Don't miss out on efficiences or make avoidable tax mistakes! ⏱️ TIMESTAMPS 00:00 Intro 02:29 The Google 401(k) - Overivew 02:51 401(k) - Contribution Layer 04:26 After Tax Auto Enrollment 05:44 401(k) - Tax Layer 10:05 Generous Match And Vesting 11:51 401(k) - Investment Layer 17:00 Equity Comp Basics GSUs 18:30 Monthly Vesting Tax Impact 20:42 Withholding And Tax Planning 22:43 Diversifying Employer Stock 25:05 Wrap Up DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

June 4, 202627 min

Maximizing Tax Efficiencies in Investments

Your Portfolio Might Be Worth Less After Taxes (Here’s Why) Great investment management isn’t just about picking strong holdings — it’s about proactively managing the tax impact of those holdings, especially in taxable investment accounts. Without a tax plan, investors can end up paying the IRS far more than necessary when they eventually use the account. 🎯 RESOURCES FROM THIS EPISODE: Visit our website to request a complimentary consultation: https://www.abundancewm.com/contact?utm_source=acast&utm_medium=acast&utm_campaign=abundance_mindset_ep054&utm_content=ac_description 🎧 Listen on Apple Podcasts, Spotify, or watch the full video version on YouTube ( https://youtu.be/b_rAaEjwdBo ) ⏱️ TIMESTAMPS DISCLAIMER The discussions contained in and referred to in this podcast are provided for educational, informational, and entertainment purposes only. The information, statements, comments, views, and opinions expressed or provided are not necessarily those of Abundance Wealth Management LLC and may not be current. Abundance Wealth Management LLC does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, and any liability therefore (including in respect of direct, indirect or consequential loss or damage of any kind whatsoever) is expressly disclaimed. Abundance Wealth Management LLC does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this podcast. Securities offered through Van Clemens & Co., member FINRA/SIPC. Advisory services offered through Van Clemens Wealth Management, a registered investment adviser. Van Clemens & Co. and Van Clemens Wealth Management are separate entities from Abundance Wealth Management. Hosted on Acast. See acast.com/privacy for more information.

May 21, 202622 min

How to Turn Your HSA Into a Shadow Roth IRA

The HSA “Shadow Roth IRA” Strategy: How to Turn Medical Receipts Into Future Tax-Free Income. Health Savings Accounts (HSAs) are uniquely “triple tax advantaged” accounts. And there are more ways than one to ues them effectively. Today we'll walk through three levels of using an HSA and dive into an advanced planning strategy we're dubbing the "Shadow Roth IRA" (or "Level 3"). 📌 RESOURCES Visit our website to request a complimentary strategy assessment: https://www.abundancewm.com/contact TIMESTAMPS 00:00 Introduction 02:15 Key Terminology 05:04 Level One: Spend As You Go 06:58 Level Two: Invest And Grow 11:31 Who Should Try Level Three 12:52 Level Three: Shadow Roth Receipt Strategy 16:25 Early Retirement Tax Planning 18:44 Documentation And Penalties 21:14 Wrap Up And Next Steps Hosted on Acast. See acast.com/privacy for more information.

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