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# Hosler Wealth Management: Protecting & Preserving Wealth

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## Posts
- [October 2026 – Client Update Meeting – Prescott](https://www.hoslerwm.com/october-2026-client-update-meeting-prescott/): Advisors field questions from clients about current economic events & topics of interest.
- [October 2026 – Client Update Meeting – Scottsdale](https://www.hoslerwm.com/october-2026-client-update-meeting-scottsdale/): Advisors field questions from clients about current economic events & topics of interest.
- [Inherited IRA Strategies | Ep #92](https://www.hoslerwm.com/podcast/inherited-ira-strategies/): Inherited IRAs became more complicated after the SECURE Act replaced the lifetime “stretch IRA” for most nonspouse beneficiaries with a 10-year distribution requirement.
- [Maximizing Social Security Benefits: Key Claiming Strategies | Ep #91](https://www.hoslerwm.com/podcast/maximizing-social-security-benefits-key-claiming-strategies/): Social Security claiming decisions should never be made in isolation. The right age depends on health, longevity, current income, work history, marital status, taxes, Medicare costs, and the other assets available to support retirement.
- [Private Investments | Ep #90](https://www.hoslerwm.com/podcast/private-investments/): Public markets still provide one of the most valuable features an investor can have: daily liquidity. Stocks and bonds can generally be bought or sold quickly, making those assets essential for near-term spending needs and portfolio flexibility.
- [In-Kind Roth Conversions When The Market Dips | Ep #89](https://www.hoslerwm.com/podcast/in-kind-roth-conversions-when-the-market-dips/): Lifetime gifting works best when generosity is backed by planning. For financially successful families, the right strategy can support children and grandchildren during key life moments while protecting retirement, managing tax paperwork, and preparing the next generation to steward wealth.
- [Lifetime Gifting Strategies For Successful Families | Ep #88](https://www.hoslerwm.com/podcast/lifetime-gifting-strategies/): Lifetime gifting works best when generosity is backed by planning. For financially successful families, the right strategy can support children and grandchildren during key life moments while protecting retirement, managing tax paperwork, and preparing the next generation to steward wealth.
- [Comparison Sheet of Trump Accounts to Roth IRA, 529 Plans, and UTMA/UGMA Accounts](https://www.hoslerwm.com/comparison-sheet-trump-accounts-roth-ira-529-plans-utma-ugma-accounts/): Downloadable comparison sheet of how Trump Accounts compare to Roth IRA, 529, & UTMA/UGMA  accounts.
- [The Foundational Financial Plan™ | Ep #87](https://www.hoslerwm.com/podcast/the-foundational-financial-plan/): A “financial plan” that lives in a spreadsheet and never changes is not a plan—it's a snapshot. The framework here treats planning like a living system: inputs update, scenarios get tested, and the outcome stays anchored to the primary objective—not running out of money.
- [Broadening Isn’t Always Diversification | June 2026](https://www.hoslerwm.com/broadening-isnt-always-diversification-june-2026/): Emerging markets have helped broaden equity leadership in 2026, but that does not automatically mean they are delivering true diversification. For investors, that distinction matters. EM has been a bright spot this year and may look like a natural way to expand beyond U.S. equities, but much of that strength is still tied to the same AI-related drivers that have powered developed markets. In other words, leadership may be broadening, while the underlying theme remains more familiar than many investors realize.
- [Grandparents, Be Very Careful Before Opening Trump Accounts | Ep #86](https://www.hoslerwm.com/podcast/grandparents-be-very-careful-before-opening-trump-accounts/): Trump Accounts are framed as a way to create a new generation of investors—kids who grow up more financially educated and more comfortable with the stock market.
- [The Widow’s Penalty – Part 2 | Ep #85](https://www.hoslerwm.com/podcast/the-widows-penalty-part-2/): A spouse’s death can tighten taxes quickly—even when household income stays similar. The pressure usually comes from moving from married filing jointly to single, losing deductions, and inheriting IRA distribution rules that are easy to miss during an already overwhelming year.
- [The Widow’s Penalty – Part 1 | Ep #84](https://www.hoslerwm.com/podcast/the-widows-penalty-part-1/): The widow’s penalty is described as a tax problem that can hit after a spouse dies: filing status shifts from married filing jointly to single, and the single brackets are less favorable. A surviving spouse can reach higher brackets sooner while trying to maintain income.
- [Advanced Retirement Tax Training at National Semiannual Conference Hosted by America’s IRA Experts in Las Vegas](https://www.hoslerwm.com/advanced-retirement-tax-training-national-conference/): “As an IRA Master Elite IRA Advisor, I can tell you, we spent an entire session on Roth conversions alone and identified fifty distinct planning considerations, several of which shifted because of the new legislation. We also got a complete briefing on the new Trump Accounts taking effect in July. These are conversations every retirement saver should be having with their advisor right now – I know we are having them with our clients." Bruce Hosler
- [Joint Accounts in Estate Planning: Key Mistakes Families Make | Ep #83](https://www.hoslerwm.com/podcast/joint-accounts-in-estate-planning-key-mistakes-families-make/): Most families believe estate planning is “done” because a will exists somewhere—or a child was added to an account “for convenience.” Episode 83 shows how that checkbox mindset can backfire: a joint brokerage account intended to “avoid probate” accidentally disinherits siblings and triggers a seven-figure, avoidable tax bill.
- [A Gameplan For Market Corrections | March 2026](https://www.hoslerwm.com/a-gameplan-for-market-corrections-march-2026/): The information technology sector delivered an outsized gain through the first 11 months of 2025 in a broadly “risk-on” environment, except for the brief stretch of “tariff turmoil” in March and April.
- [New Tax Laws For You to Understand in 2026 | Ep #82](https://www.hoslerwm.com/podcast/new-tax-laws-for-you-to-understand-in-2026/): The 2026 tax-law changes discussed in this episode affect how retirees, high earners, and families with large IRAs plan for taxes now versus later. The rules touch Roth conversion timing, charitable deduction mechanics, Social Security benefits for certain pension recipients, and how catch-up 401(k) contributions must be funded—each with real “miss it and you lose it” consequences.
- [How to Use a Free Roth Conversion Tax Calculator](https://www.hoslerwm.com/blog/free-roth-conversion-tax-calculator/): Learn how a free Roth conversion tax calculator can help you estimate taxes, compare scenarios, and plan smarter for tax-free retirement income.
- [Inherited IRA Taxes: What You Need to Know](https://www.hoslerwm.com/blog/inherited-ira-taxes-guide/): Get clear answers on inherited IRA taxes, including withdrawal rules, tax strategies, and common mistakes to help you keep more of your inheritance.
- [How Roth IRA Tax-Free Withdrawals Actually Work](https://www.hoslerwm.com/blog/is-roth-ira-tax-free/): Curious if a Roth IRA is tax free? Learn how Roth IRA tax-free withdrawals work, including rules, exceptions, and tips for smarter retirement planning.
- [QCD Update for 2026 – Advice You Should Know | Ep #81](https://www.hoslerwm.com/podcast/qcd-update-for-2026-advice-you-should-know/): A Qualified Charitable Distribution (QCD) is a charitable gift made directly from an IRA to a qualified charity that can keep the distribution out of your taxable income when done correctly. It applies to IRA owners (and certain inherited IRA beneficiaries) who meet the age requirement, and it matters because it can support giving goals while potentially reducing income-driven tax side effects.
- [The New Trump Accounts and What They Will Do | Ep #80](https://www.hoslerwm.com/podcast/the-new-trump-accounts-and-what-they-will-do/): Most Americans don’t begin investing seriously until adulthood—often after their first job, their first paycheck, or their first financial mistake. That may be about to change.
- [The New Uses for 529 Plans | Ep #79](https://www.hoslerwm.com/podcast/the-new-uses-for-529-plans/): For years, 529 plans have been viewed as a single-purpose savings tool: a tax-advantaged way to pay for college. While that was once true, recent legislative changes have dramatically expanded what these plans can do—and how strategic families can use them.
- [National Debt and High Net Worth Planning | Ep #78](https://www.hoslerwm.com/podcast/national-debt-and-high-net-worth-planning/): If you’re like many affluent families today, you’ve likely felt a growing sense of uncertainty around the U.S. national debt — and what it could mean for your future taxes, your retirement income, and the legacy you intend to pass on.
- [The Interest Rate Trap | Ep #77](https://www.hoslerwm.com/podcast/the-interest-rate-trap/): For more than a decade, retirees, investors, and even financial professionals lived in a world where near-zero interest rates felt almost permanent. But the economic landscape has shifted dramatically.
- [Information Technology Sector | December 2025](https://www.hoslerwm.com/information-technology-sector/): The information technology sector delivered an outsized gain through the first 11 months of 2025 in a broadly “risk-on” environment, except for the brief stretch of “tariff turmoil” in March and April.
- [How Stablecoins Will Change Everything | Ep #76](https://www.hoslerwm.com/podcast/how-stablecoins-will-change-everything/): For decades, transferring money meant dealing with delays, fees, and friction. Whether wiring funds across borders or writing a simple check, every transaction required multiple intermediaries — and time.
But that system is changing rapidly. With the rise of stablecoins, we’re witnessing a turning point in how people send, receive, and manage money — faster, safer, and with greater independence.
- [What Are Stablecoins? | Ep #75](https://www.hoslerwm.com/podcast/what-are-stablecoins/): Financial technology is evolving fast, and few innovations have created as much conversation as stablecoins — digital assets that maintain a fixed value linked to the U.S. dollar.
- [The Truth About Reverse Mortgages – Part 2 | Ep #74](https://www.hoslerwm.com/podcast/the-truth-about-reverse-mortgages-part-2/): Reverse mortgages have long carried a reputation as a “last resort” loan for retirees struggling to make ends meet. But in reality, when structured correctly, they can become one of the most powerful financial tools available for retirement, tax efficiency, and portfolio preservation.
- [The Truth About Reverse Mortgages – Part 1 | Ep #73](https://www.hoslerwm.com/podcast/the-truth-about-reverse-mortgages-part-1/): For many retirees, the dream of financial freedom can feel overshadowed by the weight of ongoing mortgage payments. What if you could eliminate that monthly burden while unlocking a powerful tool to improve cash flow, reduce taxes, and secure your long-term financial future? That’s exactly what a reverse mortgage can offer.
- [No Tax on Social Security | Ep #72](https://www.hoslerwm.com/podcast/no-tax-on-social-security/): If you’ve heard the buzz about Social Security becoming tax-free in 2025, it’s time to look beyond the headlines. The One Big, Beautiful Bill Act (OBBBA) introduces a **senior deduction** — not a blanket tax exemption on Social Security. Here’s what retirees and pre-retirees need to know to plan strategically.
- [Ed Slott IRA Tax Updates for 2025 | Ep #71](https://www.hoslerwm.com/podcast/ed-slott-ira-tax-updates-for-2025/): In the ever-evolving world of retirement planning, it’s essential to stay on top of the latest IRS regulations and industry updates. Bruce Hosler, a long-time member of Ed Slott’s Master Elite IRA Advisor Group, recently returned from the Spring 2025 conference with key takeaways every investor should know. In this episode of Protecting and Preserving Wealth, Bruce and Jason Hosler break down the most pressing updates that affect IRA owners and retirees — particularly the implications for Qualified Charitable Distributions (QCDs), IRS Form 8606, and the critical “One Rollover Per Year” rule.
- [Government shutdowns and investors |  September 2025](https://www.hoslerwm.com/government-shutdowns-and-investors/): After much congressional wrangling that failed to produce a federal funding bill, a government shutdown is upon us. That means non essential federal government activities will close temporarily, though essential services including Social Security and the air traffic control system will continue as usual.
- [Investment Themes in 2025 | Ep #70](https://www.hoslerwm.com/podcast/investment-themes-in-2025/): As 2025 unfolds, investors face a market defined by rapid innovation, global competition, and shifting regulatory frameworks. From artificial intelligence (AI) to biotech breakthroughs, the financial landscape is full of opportunity—but also complexity. For high-net-worth individuals and families, understanding both the growth potential and tax implications of these themes is critical. This analysis explores 10 investment trends shaping 2025 and provides insights on how to integrate them into a disciplined, tax-efficient wealth strategy.
- [Considerations When Selling Real Estate – Selling A Second Home or Rental Property | Ep #69](https://www.hoslerwm.com/podcast/considerations-when-selling-real-estate-second-home-or-rental/): Selling a second home or rental property might feel like cashing in on a good investment, but it’s also a significant financial event with serious tax implications. Whether it's a cozy cabin in the mountains, a beachside rental, or an investment duplex, letting go of real estate can trigger capital gains, depreciation recapture, and potential state-level taxes.
- [Considerations When Selling Real Estate – Selling Your Primary Residence | Ep #68](https://www.hoslerwm.com/podcast/considerations-when-selling-real-estate-primary-residence/): When it comes time to sell your primary residence, it’s not just about setting the right price or finding a buyer. It's about protecting your wealth, maximizing tax benefits, and ensuring your financial decisions are aligned with your long-term goals. In this episode of Protecting and Preserving Wealth, the Hosler Wealth Management team unpacks everything you need to know before putting your home on the market.
- [The Two Generation Tax-Free Legacy Plan™: Estate and Legacy Planning Series Part 6 of 6 | Ep #67](https://www.hoslerwm.com/podcast/two-generation-tax-free-legacy-plan-estate-planning-part-6-of-6/): If you look ahead 10 years, do you believe tax rates in the United States will go down, stay the same, or go up?
It’s not a rhetorical question — it’s the foundation of smart legacy planning.
- [Charitable Giving and Charitable Legacies: Estate and Legacy Planning Series Part 5 of 6 | Ep #66](https://www.hoslerwm.com/podcast/charitable-giving-and-charitable-legacy-estate-planning-part-5-of-6/): In the world of wealth management, estate planning is more than just dividing up assets — it's about preserving your legacy and ensuring your beneficiaries receive the full benefit of what you’ve built.
- [Financial Market Quarterly Commentary |  June 2025](https://www.hoslerwm.com/financial-market-quarterly-commentary-june-2025/): Markets wrapped up June on a strong note, extending the rally that began in late spring. Investor sentiment was buoyed by robust corporate earnings, easing trade tensions, and encouraging economic data. Despite lingering geopolitical risks, the overall tone remained optimistic as fundamentals continued to support market gains.
- [Leaving Your Assets Tax Advantaged and Tax Free: Estate and Legacy Planning Series Part 4 of 6 | Ep #65](https://www.hoslerwm.com/podcast/leaving-your-assets-tax-advantaged-and-tax-free-estate-planning-part-4-of-6/): In the world of wealth management, estate planning is more than just dividing up assets — it's about preserving your legacy and ensuring your beneficiaries receive the full benefit of what you’ve built.
- [Forbes Best-In-State Wealth Management Teams List In Arizona for 2025](https://www.hoslerwm.com/forbes-best-in-state-wealth-management-teams-list-arizona-2025-hwm/): "Being named to Forbes' Best-In-State Wealth Management Teams is more than an award—it’s a meaningful affirmation of the way we work: together, in service of our clients, with a long-term commitment to their success and peace of mind." - HWM Wealth Management Team
- [Financial Market Quarterly Commentary |  March 2025](https://www.hoslerwm.com/financial-market-quarterly-commentary-march-2025/): It was a rough March for stocks, capping off a weak quarter to start the year. The S&P 500 lost 5.63 percent in March and 4.27 percent in the first quarter.
- [Forbes Best-In-State Wealth Advisor List In Arizona for 2025 – Bruce Hosler](https://www.hoslerwm.com/forbes-best-in-state-wealth-advisor-list-arizona-2025-bruce-hosler/): "For over two decades, we've walked alongside our clients through every season of life. Being named a Forbes Best-In-State Wealth Advisor is a meaningful honor, but even more meaningful is the trust of the families we continue to serve—generation after generation." - Bruce Hosler
- [Titling Your Assets Correctly: Estate & Legacy Planning Series Part 3 of 6 | Ep #64](https://www.hoslerwm.com/podcast/titling-your-assets-correctly-estate-planning-part-3-of-6/): Estate planning involves more than just creating a will or setting up a trust. One of the most overlooked but critical aspects of estate planning is proper asset titling.
- [Beneficiary Designations (cont.): Estate & Legacy Planning Series Part 2 of 6 | Ep #63](https://www.hoslerwm.com/podcast/beneficiary-designations-cont-estate-legacy-planning-ep-63/): Did you know that beneficiary forms override wills and trusts for many financial accounts? In this episode of Protecting and Preserving Wealth, we dive into why updating your beneficiary designations is essential for estate planning success.
- [What Is a Tertiary Beneficiary? A Quick Guide | Ep #62](https://www.hoslerwm.com/podcast/beneficary-designations-estate-and-legacy-planning-part-2-of-6/): Learn what is a tertiary beneficiary and why adding one to your estate plan helps protect your legacy and ensures your assets are distributed as you intend.
- [Estate Planning Documents: Estate & Legacy Planning Series Part 1 of 6 | Ep #61](https://www.hoslerwm.com/podcast/estate-planning-documents-part-1-of-6-ep-61/): In this episode, we’re kicking off our six-part series on estate and legacy planning. We dive into the critical steps of preparing for the Great Wealth Transfer—an estimated $84 trillion passing to the next generation by 2045.
- [Mitigating Taxes In a Concentrated Stock Position | Ep #60](https://www.hoslerwm.com/podcast/mitigating-taxes-in-a-concentrated-stock-position/): We dive into managing the challenges posed by concentrated stock positions. When individuals hold significant investments in a single stock, such as Apple, Nvidia, or Tesla, they may face considerable capital gains taxes and financial risk.
- [Financial Market Quarterly Commentary |  December 2024](https://www.hoslerwm.com/financial-market-quarterly-commentary-december-2024/): December was a mixed month for markets, as investors pulled back from most U.S. stocks due to concerns over rising interest rates and economic uncertainty.
- [What To Expect From Trump’s Second Term – Part 2 | Ep #59](https://www.hoslerwm.com/podcast/what-to-expect-from-trumps-second-term-part-2/): In Part 2, of What To Expect From Trump’s Second Term, we take an in-depth look at the potential economic consequences of a Trump administration, honing in on key areas such as interest rates, tax policy, government efficiency, and immigration.

## Categories

# Hosler Wealth Management

Hosler Wealth Management is an independent fiduciary wealth management and retirement tax-planning firm serving individuals, families, retirees, business owners, and high-net-worth investors from offices in Prescott and Scottsdale, Arizona.

The firm publishes educational resources designed to help individuals make informed financial decisions through coordinated retirement planning, retirement income planning, advanced tax planning, Roth conversion strategies, IRA distribution planning, estate and legacy planning, Social Security optimization, investment management, insurance planning, long-term care planning, and business succession planning.

##Primary Audience

• Pre-retirees
• Retirees
• Business owners
• High-net-worth families
• Individuals seeking tax-efficient retirement planning

## Primary Areas of Expertise

- Retirement Income Planning
- Advanced Tax Planning
- IRA, 401(k) & Roth Conversion Planning
- Financial Planning
- Estate, Legacy & Beneficiary Planning
- Insurance, Long-Term Care & Protection Planning
- Investment Risk & Portfolio Design
- Social Security Strategies & Benefits Planning
- Business Exit & Succession Planning
- Tax-Efficient Wealth Transfer Planning

Educational resources are organized into major planning disciplines to help readers explore related topics and build a comprehensive understanding of retirement and wealth planning.

## Flagship Educational Resource

The Protecting & Preserving Wealth Podcast is Hosler Wealth Management's flagship educational publication, featuring ongoing discussions on retirement planning, tax strategies, Roth conversions, Social Security, estate planning, investments, business planning, and wealth preservation.

## Educational Podcast Series

- Retirement Income Planning
- Advanced Tax Planning
- IRA, 401(k) & Roth Conversion Planning
- Financial Planning
- Estate, Legacy & Beneficiary Planning
- Insurance, Long-Term Care & Protection Planning
- Investment Risk & Portfolio Design
- Social Security Strategies & Benefits Planning

## Core Resources

### Website
https://www.hoslerwm.com/

### About Hosler Wealth Management
https://www.hoslerwm.com/about-us/

### Wealth Management Services
https://www.hoslerwm.com/services/

### Protecting & Preserving Wealth Podcast
https://www.hoslerwm.com/protectingwealthpodcast/

### Financial Resource Center
https://www.hoslerwm.com/resources/

### Meet Bruce Hosler
https://www.hoslerwm.com/our-team/bruce-hosler/

### Meet Our Advisory Team
https://www.hoslerwm.com/our-team/

### News & Events
https://www.hoslerwm.com/news-and-events/

## Featured Educational Resource

### Moving to Tax-Free™ by Bruce Hosler

https://www.hoslerwm.com/moving-to-tax-free-by-bruce-hosler/

Moving to Tax-Free™ explains practical strategies for reducing lifetime taxes, creating tax-efficient retirement income, coordinating retirement distributions, and improving wealth transfer through proactive planning.

## Office Locations

### Prescott Office
https://www.hoslerwm.com/financial-advisors-prescott/

### Scottsdale Office
https://www.hoslerwm.com/financial-advisors-scottsdale/

## Contact

### Contact Hosler Wealth Management
https://www.hoslerwm.com/contact-us/

### Request a Consultation
https://www.hoslerwm.com/request-a-call/

## Authoritative Subject Areas

Educational content is produced by Hosler Wealth Management's team of financial professionals, led by founder Bruce Hosler, and reflects the firm's collaborative approach to retirement, tax, investment, estate, and wealth planning.

Hosler Wealth Management regularly publishes educational content covering:

- Retirement income planning
- Retirement tax planning
- Roth conversion strategies
- IRA and retirement account distribution planning
- Required Minimum Distributions (RMDs)
- Social Security claiming strategies
- Medicare planning
- Estate planning
- Legacy planning
- Beneficiary planning
- Charitable giving strategies
- Investment risk management
- Portfolio construction
- Insurance planning
- Long-term care planning
- Business succession planning
- Tax-efficient wealth transfer strategies

Educational content references and discusses topics involving IRS regulations, SECURE Act legislation, retirement tax law, Social Security Administration guidance, Medicare rules, and other publicly available financial planning resources.

Hosler Wealth Management regularly publishes new educational articles, podcast episodes, videos, and financial planning resources covering retirement, tax, investment, estate, and wealth management topics.

## Purpose

This website exists to educate individuals, families, retirees, and business owners on retirement planning, tax-efficient wealth management, and long-term financial decision-making through educational resources designed to explain complex financial topics in a practical and understandable way.

Content is intended for educational and informational purposes only and should not be interpreted as individualized financial, tax, legal, investment, or insurance advice.