Education – Wealth on the Move

Custom Indexing for 2025 with Gregory Allison, CFA (Episode 36)

By Wealth on the Move | November 20, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and guest Gregory Allison, CFA from Orion Custom Indexing discuss the innovative strategy of custom indexing. They explore how this approach allows investors to manage concentrated stock positions, utilize tax loss harvesting, and enhance after-tax returns. The conversation delves into the technology behind custom indexing, its applications for real estate investors, and the benefits of charitable giving strategies. They also touch on the emergence of custom indexing as a viable option for a broader range of investors, emphasizing the importance of personalized wealth management solutions.

Resources:

Takeaways:

Custom indexing allows for personalized investment strategies.
Tax loss harvesting can enhance after-tax performance.
Utilizing losses can offset future capital gains.
Technology plays a crucial role in executing custom indexing.
Real estate investors can benefit from custom indexing strategies.
Charitable giving can be optimized through custom indexing.
Custom indexing is not suitable for IRA accounts.
The strategy emerged due to advancements in technology.
Concentration risk is a concern for long-term investors.
Longevity impacts investment strategies and tax planning.

Connect with Will Hoffman:

Disclosures:

Gregory Allison Orion Portfolio Solutions are not affiliated with Hoffman Wealth Management and Private Advisor Group.

Wealth management services provided by Orion Portfolio Solutions, LLC (“OPS”), a registered investment advisor. Orion OCIO services provided by TownSquare Capital, LLC (“TSC”), a registered investment advisor. OPS and TSC are affiliates and wholly owned subsidiaries of Orion Advisor Solutions, Inc.

Custom Indexing offered through Orion Portfolio Solutions, LLC a registered investment advisor.

Custom Indexing is an investment strategy wherein a portfolio is managed to mimic an index or other portfolio, while taking into account the tax position, holdings, and individual investing preferences of a client. The performance of a portfolio using custom indexing may vary significantly from the target index (referred to as tracking error or tracking difference), and this variance may increase with greater customization within a portfolio.

Tax-loss Harvesting is a process by which securities trading at unrealized losses are sold to realize a taxable loss. Proceeds from the sales are then used to reinvest in alternate securities to maintain market exposure. Tax-loss Harvesting can be used as a strategy to offset realized gains from other investments and/or carried forward to later calendar years to offset future taxable gains.

This information is general in nature and is not intended as tax advice. You should consult a tax professional as to how this applies to an individual tax situation. Nothing contained herein is intended to constitute accounting, legal, tax, security or investment advice, nor an opinion regarding the appropriateness of any investment, or solicitation of any type.

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Volatility, Gold, and Staying the Course: Breakdown of Q4 Market w/ Ryan Detrick (Episode 33)

By Wealth on the Move | October 30, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and guest Ryan Dietrich discuss the current state of the markets, including insights on volatility, market recovery, and the impact of government shutdowns. They explore the dynamics of the gold market, interest rates, and the Federal Reserve’s outlook, as well as trends in the crypto market. The conversation also delves into behavioral finance and market psychology, emphasizing the importance of having a strategic investment plan. Finally, they provide predictions for future market trends and economic outlooks.

Resources:

Takeaways:

The market has shown resilience despite recent government shutdowns.
Gold is currently overextended, indicating potential for a pullback.
The Federal Reserve is expected to cut interest rates soon.
Historical data suggests that bull markets can last longer than expected.
Behavioral finance plays a significant role in investment decisions.
Investors should be cautious with crypto investments due to volatility.
Market corrections are normal and can present buying opportunities.
The consumer market remains strong despite economic uncertainties.
Global investment opportunities are still available for savvy investors.
Volatility is a necessary aspect of investing that should be embraced.

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How Should I Be Invested When Retired? (Episode 32)

By Wealth on the Move | October 16, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman discusses the critical aspects of wealth management, particularly for retirees. He emphasizes that the question of how to invest should not be the primary concern; instead, understanding the need for liquidity and planning for both short-term and long-term financial goals is essential. Hoffman outlines strategies for securing income during retirement, the importance of maintaining a disciplined investment approach, and the need to navigate the distribution phase effectively. He encourages listeners to focus on long-term strategies rather than seeking quick stock tips, highlighting the importance of planning for future expenses and potential market fluctuations.

Takeaways:

The question of how to invest is often misguided.
Liquidity is crucial for retirees to enjoy their time.
Market timing is not a reliable strategy.
Investing should be based on long-term goals.
Retirement income should be secured for the short term.
The distribution phase of retirement is critical and challenging.
Good investment ideas take time to develop.
Discipline in investment strategy is essential for peace of mind.
Planning for inflation is necessary for long-term success.
Avoid the temptation of chasing hot stock tips.

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Vanguard Proves Why Financial Advisors Matter – And What Most Get Wrong (Episode 31)

By Wealth on the Move | September 26, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and director of financial planning Niko Rosso discuss the value that financial advisors bring to their clients, referencing a significant study by Vanguard. They explore various aspects of financial planning, including investment selection, asset location, tax efficiency, and the importance of behavioral coaching. The conversation emphasizes the evolving role of independent financial advisors in a changing financial landscape, highlighting the need for financial literacy and proactive planning.

Resources:

Download the Vanguard Study HERE!

Takeaways:

Vanguard’s study highlights the value of financial advisors.
Investment selection can add significant alpha to portfolios.
Behavioral coaching is crucial for client success.
Understanding asset location can enhance tax efficiency.
Tax loss harvesting can provide financial benefits.
Budgeting is essential for financial discipline.
Independent financial advisors are shaping the future of wealth management.
Financial literacy is vital for effective money management.
Proactive planning can mitigate financial risks.
The evolving landscape of financial advising requires adaptability.

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Connect with Niko Rosso:

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Maximizing Financial Aid: The FAFSA Guide with Tina Steele (Episode 30)

By Wealth on the Move | September 11, 2025

Summary: In this episode of Wealth on the Move, Will Hoffman speaks with Tina Steele, the FAFSA guru, about the intricacies of the FAFSA process and how families can maximize their financial aid opportunities. They discuss the importance of understanding FAFSA, the changes that have occurred recently, and strategies for families to navigate the financial aid landscape effectively. Tina shares insights on common mistakes families make, the significance of documentation, and the future of FAFSA, including new technologies that will aid in the process. This conversation is essential for parents and students preparing for college funding.

Resources:

Takeaways:

FAFSA is crucial for all students attending college.
Filling out FAFSA is necessary every year for financial aid.
Many families mistakenly believe they won’t qualify for aid.
Child support is now treated as an asset in FAFSA calculations.
Families can report special circumstances to financial aid offices.
It’s important to appeal financial aid offers for potential increases.
NIL income can affect financial aid eligibility for student-athletes.
Common mistakes include misreporting assets and missing deadlines.
Documentation is key for the FAFSA process and potential verification.
The FAFSA process is evolving with new technologies for assistance.

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Tina Steele and The FAFSA Guru not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

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How to Win Scholarships & Pay for College Without Student Loans with Dave Peterson (Episode 29)

By Wealth on the Move | September 4, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman discusses the challenges of funding college education with expert Dave Peterson. They explore the vast opportunities available through scholarships, the misconceptions surrounding them, and the importance of starting the scholarship search early. Peterson shares insights on different types of scholarships, the scholarship application process, and how to build a compelling personal narrative. The conversation emphasizes the need for parents and students to be proactive in seeking financial aid to alleviate the burden of student loans and ensure a successful educational journey.

Resources:

Takeaways:

There is a significant amount of scholarship money available, much of which goes unclaimed.
Scholarships are not just for seniors; opportunities exist for younger students as well.
A strong personal narrative is crucial for winning scholarships.
Students should start applying for scholarships as early as possible.
Many scholarships do not require high GPAs or test scores.
Building a personal narrative involves academics, extracurriculars, volunteering, and work experience.
Avoid applying for illegitimate scholarships that ask for sensitive information.
The scholarship application process requires attention to detail and following instructions.
Students can earn scholarships even after high school graduation.
Utilizing resources like Scholarship GPS can help streamline the scholarship search process.

Connect with Will Hoffman:

Dave Peterson and Scholarship GPS not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

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Healthy Wealthy Longevity: A New Prospective with Jon Sabes (Episode 28)

By Wealth on the Move | August 28, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman engages with John Sabes, author of ‘Healthy Wealthy Longevity.’ They discuss the critical importance of longevity as a financial risk, the role of self-care and health in financial planning, and the impact of lifestyle choices on longevity. John shares insights on epigenetics and how our lifestyle influences gene expression, emphasizing the need for individuals to invest in their health to ensure a vibrant life as they age. The conversation also touches on the future of health and wealth innovation, and the importance of planning for uncertainty in life expectancy.

Resources:

Takeaways:

Longevity is a significant risk to retirement portfolios.
Self-care and health are crucial for a fulfilling life.
Investing in yourself is the best financial decision.
Lifestyle choices greatly influence longevity and health.
Epigenetics shows that our lifestyle affects gene expression.
Planning for retirement must consider the unpredictability of life expectancy.
The worst outcome in aging is to be alone and poor.
Financial advisors should focus on holistic well-being, not just investments.
Maintaining muscle mass is vital for health span and longevity.
Living with purpose and connection enhances overall longevity.

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Connect with Will Hoffman:

John Sabes and Longevity Financial Partners are not affiliated with Hoffman Wealth Management and Private Advisor Group. This presentation is not intended as specific financial advice for any individual.

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The NIL Revolution: Transforming College Sports with Kristi Dosh (Episode 27)

By Wealth on the Move | August 21, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and NIL expert Kristi Dosh delve into the transformative landscape of Name, Image, and Likeness (NIL) in college sports. They discuss the evolution of NIL rules, the financial implications for student-athletes, and the importance of building a personal brand through social media. Kristi shares insights on navigating contracts, the role of agents, and the tax responsibilities that come with NIL deals. The conversation also highlights the future of NIL, including market inefficiencies and undervalued opportunities for athletes.

Resources:

Kristi’s Website’s
- Kristidosh.com
- Business of College Sports Website
The Athlete’s NIL Playbook Website
LinkedIn: Sportsbizmiss
Facebook: Kristi Dosh
Instagram: Sportsbizmiss
TikTok: Sportsbizmiss
YouTube: Business of College Sports

Takeaways:

NIL has revolutionized the financial landscape for college athletes.
The rules around NIL have changed significantly since July 2021.
Athletes must navigate a complex and evolving NIL environment.
Written contracts are essential for NIL deals to avoid misunderstandings.
Many athletes may not need agents but should consider hiring attorneys.
Tax implications are a crucial aspect of NIL earnings for athletes.
Social media presence is vital for building a personal brand.
Athletes should diversify their content beyond just their sport.
NIL opportunities can extend into coaching and clinics for athletes.
The future of NIL may see more states allowing high school athletes to participate

Connect with Will Hoffman:

Kristi Dosh and Business of College Sports are not affiliated with Hoffman Wealth Management and Private Advisor Group. Hoffman Wealth Management and Private Advisor Group do not provide tax or legal advice. This presentation is not intended as specific financial, tax or legal advice for any individual. Please consult with qualified professionals for these types of advice.

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All About the One Big Beautiful Bill Act with Tax Wizard Kelly Bender (Episode 26)

By Wealth on the Move | August 14, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and tax expert Kelly Bender dive deep into the implications of the new OB3 tax law and what it means for both business owners and individual taxpayers. They explore the importance of understanding business entity structures, the impact of payroll tax updates, and the necessity of long-term tax strategies. Key topics include changes to income tax brackets, retirement account contributions, child tax credits, and state and local tax (SALT) deductions. They discuss the permanence of the Qualified Business Income (QBI) deduction, updates to depreciation rules, and investment incentives such as Qualified Opportunity Zones and qualified small business stock. Kelly shares insights from her upcoming book aimed at helping new entrepreneurs navigate the complexities of starting a business, while also addressing common tax myths and the importance of proactive planning for future generations. Throughout the conversation, they emphasize how OB3’s changes require individuals and businesses to adapt to an evolving tax landscape in order to maximize benefits and maintain compliance.

Resources:

Takeaways:

Many small business owners don’t fully understand their entity structure.
OB3 introduces significant tax code changes impacting individuals and businesses.
QBI deduction is now permanent for small business owners.
Income tax brackets have been adjusted, but many won’t feel the impact.
Retirement contributions are now tied to inflation.
Child tax credit will increase to $2,200 per child by 2025.
New senior deduction of $6,000 for those over 65.
SALT deduction cap increased to $40,000.
Qualified Opportunity Zones can defer or eliminate taxes on gains.
Qualified small business stock offers significant tax benefits.
Payroll tax compliance is essential under new rules.
Depreciation rules now allow faster write-offs for capital investments.
Proactive, long-term tax planning can save money in the long run.
Common tax myths can lead to poor financial decisions.
Asking questions is vital for entrepreneurs starting out.

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Connect with Kelly Bender:

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Navigating Market Volatility | Insights from Q2 with Andrew Opdyke (Episode 25)

By Wealth on the Move | August 7, 2025

Summary: In this episode of Wealth on the Move, host Will Hoffman and Senior Economist Andrew Opdyke discuss the current state of the markets, focusing on the second quarter’s volatility, the Federal Reserve’s stance on interest rates and inflation, the impact of AI on business and investment, and the upcoming midterm elections. They also provide insights into portfolio strategies for the third quarter and reflect on historical lessons that can guide future decisions.

Resources:

Takeaways:

It’s time in the market, not timing the market that matters.
Data-driven insights are crucial for accurate forecasting.
Emotions can lead to irrational market reactions.
The second quarter saw significant market swings due to tariffs.
The Federal Reserve is cautious about cutting rates amid uncertainty.
AI is transforming industries and enhancing productivity.
Historical context is essential for understanding current market dynamics.
Investors should maintain a diversified portfolio.
The U.S. remains a strong place for business growth.
Perspective from history can guide future financial decisions.

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