Are you filing your taxes… or planning them? 👀
In this episode of The Elevate Podcast, Reginald & Ebony Clark break down the real difference between tax prep and tax planning — and why the latter can help you keep more of your hard-earned money in 2025 and beyond.

From maximizing your retirement and HSA contributions to hiring your kids, leveraging real estate, and using smart timing strategies, these 20 proven tax moves can help you reduce your tax bill and build long-term wealth.

💡 In this episode, you’ll learn:

• The #1 mindset shift between tax prep and tax planning
• 2025 contribution limits for 401(k), IRA, and HSA accounts
• How to legally reduce your tax liability as a business owner
• Strategies for real estate investors and legacy builders
• Why now is the time to consider Roth conversions before tax rates rise

Whether you’re a W-2 employee, entrepreneur, or investor, this episode will help you approach tax season strategically — not stressfully.

Talking about what happens after we’re gone isn’t easy — but it’s one of the most important conversations you’ll ever have. In this powerful episode of Elevate: From Burnout to Bliss, Reginald and Ebony Clark tackle estate planning head-on, helping families navigate the emotional and financial realities of preparing for the future.

They break down what probate really is — and how to avoid it. You’ll learn how a will can trigger probate, while the right trust can keep your home and assets protected and out of court. Ebony also explains how trusts are taxed, while Reginald walks through strategies parents can use to keep their property in the family.

The hosts also unpack the difference between Medicare and Medicaid, what “spending down” means for long-term care eligibility, and how families can plan ahead without losing what they’ve worked hard to build.

Whether you’re helping your parents organize their estate or putting your own plan in place, this episode will give you the clarity, language, and tools to start the talk that changes everything.

🎯 Key Takeaways:

• What probate is and why families should avoid it
• How a will differs from a trust — and which option fits your family
• Steps to keep a home or property out of probate
• Taxation of trusts and how to plan smartly
• Understanding Medicaid vs. Medicare and the “spend down” rules
• How to start the estate planning conversation with your parents

🎧 Episode 10 – “Opportunity in Disruption: What Smart Entrepreneurs and Investors See in a Shutdown”

In this powerful episode of Elevate: From Burnout to Bliss, Reginald and Ebony Clark unpack how moments of crisis — like the recent government shutdown — can reveal hidden opportunities for entrepreneurs, investors, and professionals ready to pivot.

While headlines focus on uncertainty and loss, the Clarks challenge listeners to adopt a different perspective: disruption often breeds innovation. They explore how government slowdowns create new market gaps, shift consumer behavior, and open doors for those willing to move strategically instead of emotionally.

From filling service gaps in local communities to investing in undervalued sectors, this episode highlights real-world ways business owners can turn instability into growth. The conversation blends financial insight with mindset coaching, emphasizing that adaptability and foresight are the true currencies of success.

Key Themes:

• How government shutdowns expose unmet needs and create entrepreneurial opportunities.
• The importance of staying proactive while others pause or panic.
• Identifying emerging markets in technology, community services, and small business support.
• Building financial resilience and positioning for the economic rebound.

Quote of the Episode:

Listen to discover how to transform uncertainty into opportunity — and how to thrive when others stand still.

Episode Overview:
In this powerful episode of Elevate: From Burnout to Bliss, Reginald and Ebony Clark unpack the truth behind one of the most pressing issues in America—the racial wealth gap.

From 345 years behind to the modern-day struggle for economic equity, the Clarks break down the difference between income and wealth, reveal why the gap persists, and share practical, actionable steps to help you build real, generational wealth.

What You’ll Learn:

• The real definition of wealth (and why most people get it wrong)
• Why Black spending power hasn’t translated into wealth creation
• The 3 Must-Own Assets every wealth builder should focus on
• Smart cash flow strategies to start closing your own gap today
• How to use debt wisely to fund assets, not liabilities

Key Message: “The creation of the wealth gap wasn’t our doing. Whether we close it or not—that’s up to us.”

Listen Live: Sundays at 1:00 p.m. CST on Power 104.1 FM “The Source.”

Subscribe: @elevatenowpodcast for more episodes on financial freedom, mindset, and legacy building.

#ClosingTheWealthGap #ElevatePodcast #P3FinancialGroup #FinancialFreedom #GenerationalWealth #BlackExcellence #WealthBuilding #FromBurnoutToBliss #ElevateYourLife #PlanProtectProsper

In this episode of The Elevate Podcast, Ebony sits down with Monica Jenious, a seasoned Fractional CFO and Business Valuation Expert, to unpack one of the most overlooked parts of entrepreneurship—knowing what your business is truly worth.

Whether you’re nearing retirement, considering selling, or just curious about how to build long-term value, this conversation will open your eyes to what happens when it’s time to step away from your business.

💡 You’ll learn:

• What goes into determining the real value of your business
• Why every business—big or small—should have a valuation plan
• The pros and cons of selling vs. closing your business
• How sale proceeds can fund your retirement or legacy goals
• Tips to make your business more valuable before you ever think of selling

Monica also shares insights from her work as a Fractional CFO, helping business owners strengthen financial systems, reduce dependency on the owner, and prepare for a successful exit or transition.

✨ Key takeaway: Don’t wait until you’re ready to walk away to learn your business’s worth—start building value now!

👩🏾‍💼 Hosted by Ebony Clark
🎙️ Reggie’s out this week, but the conversation is too good to miss!

📲 Subscribe to the Elevate Podcast for more conversations that help you go from burnout to bliss—in business, career, and life.
#ElevatePodcast #BusinessValuation #ExitPlanning #Entrepreneurship #LegacyBuilding #FractionalCFO

You might be amazing at what you do — but do you have the skills to actually run your business? 👀

In this episode of The Elevate Podcast, Ebony and Reggie break down the difference between doing the work and building the business. From financial management to marketing, leadership, and systems, you’ll learn the five essential skills every entrepreneur needs to grow and sustain success.

💬 What you’ll learn:

• Why being great at your craft isn’t enough to build a thriving business
• The top 5 business skills every entrepreneur must master
• Common mistakes that cause talented people to burn out or quit
• Real lessons from Ebony & Reggie’s journey as business owners
• How to bridge the gap between passion and profit

If you’ve ever felt stuck running your business or wondered why things feel harder than they should, this episode is for you.

👉 Don’t forget to subscribe and hit the 🔔 to get notified every time a new episode drops!

🎧 Listen to the full episode wherever you get your podcasts.
📲 Follow us on social media: @ebtheadvisor | @themoneyjedi

#ElevatePodcast #Entrepreneurship #SmallBusiness #BusinessTips #Mindset #Leadership

In this episode of Elevate: From Burnout to Bliss, hosts Reginald and Ebony Clark sit down with entrepreneur Jeremy Smith, the dynamic founder of JCGroup Real Estate and FThemFolks Clothing.

Jeremy shares his inspiring story of leaving corporate America to pursue entrepreneurship, building a thriving real estate company specializing in new construction, fix & flips, and wholesaling. But his vision didn’t stop there—he also launched a bold lifestyle brand designed to empower people with a mindset of determination and resilience.

From navigating the challenges of building multiple businesses to celebrating big wins and embracing a powerful entrepreneurial mindset, Jeremy’s journey is packed with lessons and inspiration for anyone looking to step into their own vision.

🎧 Tune in to hear:

• The moment Jeremy knew he had to break free from corporate life
• The real estate strategies fueling JCGroup’s success
• The vision and message behind the FThemFolks lifestyle brand
• His advice for anyone ready to make the leap into entrepreneurship

This conversation is all about vision, determination, and the courage to build something of your own.

As parents, one of the greatest gifts we can give our children is financial confidence. In this episode of the Elevate Podcast, Ebony and Reginald share practical ways to raise kids who are money-smart and ready for the future.

We’ll cover:

• How to encourage your child’s entrepreneurial spirit and support their first business
• Setting kids up financially with savings accounts, investments, and Roth IRAs
• Making money conversations a normal part of family life
• Teaching daily money habits like budgeting, saving, and giving
• Preparing for the big one—paying for college without losing your peace

Whether you’re parenting little ones just learning about allowance or teenagers preparing for life after high school, this conversation is full of tools and strategies to guide your kids toward financial independence.

✨ Don’t forget to subscribe and share this episode with another parent who’s on the journey of raising money-smart kids!