Episodes

  • 2025-10-25 Retire Smarter, Not Later: How to Keep What’s Yours in 2025

    2025-10-25 Retire Smarter, Not Later: How to Keep What’s Yours in 2025
    Oct 25 2025
    In this episode of Keep What’s Yours, Josh Gilbert and senior tax strategist Jeff Zufall dive into the real-world financial questions that everyone faces — from catching up on retirement savings if you started late, to navigating inflation, layoffs, and the brand-new “Big Beautiful Bill” tax code. Jeff breaks down practical ways to budget smarter, make the most of 401(k) catch-up provisions, and understand how new laws like the vehicle loan interest deduction could save you thousands. It’s an engaging, down-to-earth conversation about building financial freedom, minimizing taxes, and setting yourself up for a stress-free retirement — no matter where you’re starting from. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!
    Show More Show Less
    48 mins
  • 2025-10-18 Navigating the IRS Shutdown, No Tax on Tips, and the New Tax Code

    2025-10-18 Navigating the IRS Shutdown, No Tax on Tips, and the New Tax Code
    Oct 17 2025
    Join Josh Gilbert and tax strategist Jeff Zufall as they tackle the chaos of tax season 2025! With the IRS government shutdown threatening to delay filing until late February, learn how the "big beautiful bill" signed on July 4th is reshaping everything from tip taxation to overtime pay. Discover why 31% of small businesses are raising prices, how to avoid the self-employment tax trap that catches entrepreneurs off guard, and why "Bitcoin Jesus" just paid $49.9 million to settle with the IRS. Jeff breaks down the critical difference between entity structures, explains why your employer—not you—controls your no-tax-on-tips benefit, and reveals smart strategies for Roth conversions and year-end planning. Whether you're a small business owner, tip-earning employee, or crypto investor, this episode delivers actionable advice to help you legally keep more of what's yours before December 31st. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!
    Show More Show Less
    50 mins
  • 2025-10-04 Overtime Exemptions, Capital Gains Strategies, and IRS Updates

    2025-10-04 Overtime Exemptions, Capital Gains Strategies, and IRS Updates
    Oct 4 2025
    Join tax strategist Jeff Zufall and host Josh Gilbert as they break down critical tax changes for 2025, including the IRS's shift to all-digital payments (no more paper checks!), the new overtime tax exemption from the "Big Beautiful Bill" (up to $12,500 tax-free for eligible workers), and essential year-end planning strategies. Learn about tax lot trading to offset capital gains, the complexities of the new senior standard deduction, and why the government shutdown could delay tax season until President's Day. Whether you're maximizing your 401(k) contributions, navigating the modified adjusted gross income maze, or simply trying to keep more of what you earn, this episode delivers actionable advice before December 31st. Perfect timing for anyone looking to minimize their 2025 tax bill through smart planning in these final three months of the year. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!
    Show More Show Less
    51 mins
  • 2025-09-27 Government Shutdowns, Capital Gains, and RMD Strategies: Tax Planning for 2025

    2025-09-27 Government Shutdowns, Capital Gains, and RMD Strategies: Tax Planning for 2025
    Sep 27 2025
    This week, Josh Gilbert and Jeff Zufall dive into the latest tax developments, including the "Big Beautiful Bill's" new charitable deduction allowances ($1,000 single/$2,000 married filing jointly), the record-breaking $530 billion in capital gains revenue flooding the Treasury, and strategic timing considerations for asset sales to avoid higher tax brackets. They explore Required Minimum Distribution (RMD) planning for retirees, covering qualified charitable distributions, tax withholding strategies, and qualified longevity annuities as ways to minimize tax impact. The discussion also covers 1031 exchanges for real estate investors, the importance of coordinating investment and tax strategies, and the IRS's upcoming transition away from paper checks starting October 1st, emphasizing the value of having both wealth management and tax expertise under one roof. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!
    Show More Show Less
    51 mins
  • 2025-09-20 Fed Rate Cuts, RMD Strategies, and New Tax Breaks: Your Money Moves for 2025

    2025-09-20 Fed Rate Cuts, RMD Strategies, and New Tax Breaks: Your Money Moves for 2025
    Sep 20 2025
    Host Josh Gilbert and tax strategist Jeff Zufall break down the Federal Reserve's quarter-point interest rate cut and what it means for your mortgage, credit cards, and investment strategy, with signals of more cuts coming before year-end. The duo dives deep into Required Minimum Distributions (RMDs), explaining how these mandatory withdrawals from tax-deferred accounts like 401(k)s and IRAs work starting at age 73, including smart strategies like using charitable donations from your RMD to avoid taxes entirely. They also explore the new "Big Beautiful Bill" tax code changes already in effect for 2025, highlighting the restored above-the-line charitable deduction of $1,000 for singles and $2,000 for married couples filing jointly. Plus, they discuss the IRS's shift away from paper checks starting September 30th and how tariffs may impact the economy through the fourth quarter, all while emphasizing practical ways to legally minimize your tax burden and keep more of what's yours. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!
    Show More Show Less
    49 mins
  • 2025-09-13 Tax Strategy Update: New Deductions, Fed Rate Cuts, and the Big Beautiful Bill Breakdown

    2025-09-13 Tax Strategy Update: New Deductions, Fed Rate Cuts, and the Big Beautiful Bill Breakdown
    Sep 13 2025
    In this episode of Keep What's Yours, tax strategist Jeff Zufall and host Josh Gilbert dive into the latest tax code changes from the recently passed "Big Beautiful Bill" (Trump Tax Bill 2.0), including the expansion of 529 plan withdrawals from $10,000 to $20,000 for private school tuition and new charitable deduction allowances of $1,000 for singles and $2,000 for married couples filing jointly. They also analyze current economic conditions, discussing inflation numbers at 2.9%, the Federal Reserve's upcoming meeting with expected interest rate cuts, and recently revised job numbers showing the economy was overstated by over 1.5 million jobs in 2024. The conversation covers Missouri's personal property tax quirks (why jet skis and trailers are taxed but golf carts aren't), tariff impacts on inflation, and practical advice on maximizing tax savings through 529 plans and charitable giving strategies that take effect retroactively for the entire 2025 tax year. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!
    Show More Show Less
    49 mins
  • 2025-09-06 Big Beautiful Bill Bombshells: New Tax Rules Hit Gamblers Hard While Tips Get a Break

    2025-09-06 Big Beautiful Bill Bombshells: New Tax Rules Hit Gamblers Hard While Tips Get a Break
    Sep 9 2025
    In this episode of Keep What's Yours, tax strategist Jeff Zufall and host Josh Gilbert break down the major changes from the recently passed tax legislation they call the "Big Beautiful Bill." They explore the new no-tax-on-tips provision that covers 68 specific occupations - from bartenders to plumbers - with income limits and a $25,000 tip cap. The duo also reveals a significant blow to gamblers: a new rule limiting gambling loss deductions to just 90% of winnings, meaning even heavy losers will now pay taxes on 10% of any wins. Jeff shares real-world stories from helping lottery winners and house prize winners navigate complex tax obligations, including creative loan structures to handle immediate tax burdens. With one in ten Americans now technically millionaires (counting retirement and home equity), they discuss what wealth really means today and debate the age-old lottery question: lump sum or annuity? As sports betting becomes legal in Missouri this December, the timing couldn't be more relevant for understanding these new gambling tax implications. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!
    Show More Show Less
    53 mins
  • 2025-08-23 New Tax Laws, Rate Cuts, and Real Money in Your Pocket

    2025-08-23 New Tax Laws, Rate Cuts, and Real Money in Your Pocket
    Aug 23 2025
    In this episode of "Keep What's Yours," tax strategist Jeff Zufall and host Josh Gilbert dive deep into the newly enacted tax legislation (dubbed "the big beautiful bill") that's already affecting 2025 taxes, plus Jerome Powell's recent signals about upcoming interest rate cuts. Jeff breaks down game-changing provisions including increased child tax credits ($2,200 per child, potentially rising to $3,000), a massive jump in the SALT deduction cap from $10,000 to $40,000, tax-free tips and overtime pay up to $25,000, charitable deductions for non-itemizers, auto loan interest deductions, expanded 529 plan withdrawals for private school, and a new senior deduction worth $6,000-$12,000. While navigating the complexities of tariff-driven inflation and Fed policy, the hosts emphasize that regardless of political views, these are real opportunities to keep more money in your pocket—but only if you understand the guardrails, income thresholds, and sunset provisions that come with each benefit. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!
    Show More Show Less
    51 mins