The Abundance Mindset

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

Business Entrepreneurship Investing Education

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Jul 2026

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About the show

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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58 recent

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.

May 14, 202621 min

Seven Signs You've Outgrown Your Financial Advisor

Too often people stay loyal to a financial advisor even after their financial life has outgrown the advisor’s service model. In this episode we’re contrasting investment-only relationships with proactive, comprehensive planning that integrates taxes, estate, insurance, and coordination with a CPA. Do you see any of these flags in your own financial advisor relationship? Reach out for a complimentary strategy assessment! 📌 RESOURCES Download our free Equity Comp Guide by signing up for our newsletter: https://www.abundancewm.com/contact Visit our website to request a complimentary strategy assessment: 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 video, 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 7, 202617 min

Market Down 15%? Why Long-Term Investors Get Excited

Is your investing strategy more like going to the gym or visiting the casino? In the latest episode of the Abundance Mindset, we make a case for disciplined, consistent investing and share data about how disciplined approaches beat emotion-driven market timing. We explain dollar-cost averaging as a de-risking approach that accepts uncertainty and can be useful for both ongoing contributions and deploying lump sums over time. If you want to take the emotion out of investing and instead build a routine that helps you quietly win over time, this episode is for you. 📌 RESOURCES 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 Read the research we cited in this episode: https://www.schwab.com/learn/story/does-market-timing-work ; https://jfi-aof.org/index.php/jfi/article/view/3353 00:00 Introduction 00:59 Gym vs Casino Mindset 02:04 Information Noise and Hot Takes 03:18 Why Market Corrections Help Savers 03:38 Dollar Cost Averaging 04:46 De Risking Large Lump Sums 05:50 The Trap of Waiting 06:47 Supporting Research on DCA 11:11 Plan First Then Invest 14:35 Silent Wins Over Flashy Tips 15:55 Wrap Up DISCLAIMER The discussions contained in and referred to in this [pdcast 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 video, 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.

April 9, 202620 min

Have You Outgrown Your DIY Financial Plan?

Have You Outgrown Your DIY Financial Plan? An Evaluation Framework. Have you fallen prey to the “shadow tax of inaction”? Today we step through a three part framework to help listeners evaluate whether it may be time to hire a professional to elevate your financial life. Ultimately, hiring an advisor should remove complexity and capacity constraints while restoring confidence that you're doing the right thing. 🎯 RESOURCES FROM THIS EPISODE: Visit our website to request a complimentary strategy assessment: https://www.abundancewm.com/contact Download our free guide for interviewing financial advisors: https://drive.google.com/file/d/1QmqFiI1sqeT1Gh8xvV0Wpl7CrytDYg_c/view?usp=sharing 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.

March 26, 202627 min

Should I sell my Employer Stock? Traps to Avoid and Tricks to Maximize

We're talking ALL about stock concentration risk! Specifically, we're focusing on how equity compensation can tie a person’s paycheck, bonus, and net worth to the same employer. The goal isn’t necessarily to eliminate risk or discourage investing in your employer. Rather, we propose using guardrails instead of gut feelings to objectively manage concentration. 📌 RESOURCES 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 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.