Monthly Archives: October 2025

Episode 55: The 3-Part Tax Approach That Protects Your Wealth

Bryan Bibbo, Financial, Holistic Financial Planning, holistic wealth and health, Holistic Wealth Management, JL Smith Holistic Wealth Management, Wealth and Health, wealth and health podcast, , , , , , , , , , ,

What’s the difference between tax planning, management, and preparation? Why does it matter? In this conversation, host Bryan Bibbo sits down with Jeff Warnkin, CPA, CFP®, Senior Wealth Manager, with over 30 years of experience, to reveal why countless Americans are unknowingly stuck in the government’s “default tax plan.” 

Together they reveal the costly gap between receiving tax advice and implementing it, exploring overlooked pitfalls like Medicare premium spikes, and why the recent tax law changes create unprecedented Roth conversion opportunities. 

Key Topics: 

  • The Three Components: Understanding the distinct roles of planning, management, and preparation. 
  • The Default Tax Plan: Why accepting the government’s approach could cost you significantly over your lifetime. 
  • The CPA Gap: What traditional tax preparers often can’t do for you, and why forward-looking strategy requires a different approach. 
  • Current Roth Opportunities: Why Jeff considers this one of the best tax planning windows he’s seen in 30 years.

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Episode 54: Tax Management Strategies for Retirement Part 2

Bryan Bibbo, Financial, Holistic Financial Planning, holistic wealth and health, Holistic Wealth Management, JL Smith Holistic Wealth Management, Wealth and Health, wealth and health podcast, , , , , , , , , , , ,

Ever wondered how billionaires like Warren Buffett and Jeff Bezos often pay lower tax rates—and what strategies you might be able to apply to your own situation? In this second part of their conversation, host Bryan Bibbo and Dave Alison, CFP, EA, BPC, dive deeper into practical tax management strategies that can help you reduce your lifetime tax burden. 

Dave reveals why tax management isn’t a one-time event but an ongoing process that adapts to your changing life circumstances and evolving tax laws.  Listen for actionable insights on how to smooth out income peaks and valleys, capitalize on low-tax years, and keep more money in your family instead of unnecessarily giving it to the government. 

Key Topics: 

  • Smoothing Income Peaks and Valleys: Strategic ways to level out your income across tax years to avoid higher marginal rates and capitalize on lower brackets 
  • Hidden Tax Traps: Common mistakes that can turn a 22% tax withdrawal into a 50% tax hit—and how to avoid them 
  • Coordinating Asset Management and Tax Planning: Why working in silos costs you money and how integrated planning creates tax-saving opportunities 
  • The Billionaire Tax Strategy: Understanding why the ultra-wealthy pay lower tax rates and how you can apply similar principles to your own retirement planning 

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