Podcast
Capitalist Investor
Hosted by Strategic Wealth Partners · EN
Check out the "Capitalist Investor" podcast where hosts Derek, Luke and Tony break down complex financial topics and recent market trends with a sharp eye. This podcast is all about getting into the nitty-gritty of things like stock buybacks, tax policies, meme stocks, and a whole lot more. The guys aren’t just brains; they keep things light with a great mix of deep dives and easy banter that keeps you hooked and learning. Whether they’re chatting about Warren Buffett’s latest strategies, how Biden’s tax plans might hit different income levels, or the buzz around a big golf tournament, you’ll come away with a solid grip on how these issues could shake up your financial world. Perfect for investors, retirees, or just anyone keen to keep up with the financial universe, "Capitalist Investor" makes the complex understandable and entertaining.
39episodes
Episodes
Newest firstAll episodes
Roth Conversion Planning in Retirement: Taxes, RMDs, and Legacy
1w ago00:19:52Tap to summarizeRoth conversions can provide meaningful tax-planning flexibility, but they are not automatically appropriate for every investor. The decision depends on current income, expected future tax rates, required minimum distributions, Medicare considerations, retirement cash flow, and the intended use of inherited assets. Derek Gabrielsen, CRPC® — Senior Wealth Advisor, and Tony Zabiegala, CRPC® — Senior Wealth Advisor, examine the growing role of Roth accounts in retirement planning. Their conversation covers the potential conversion window after leaving the workforce, Roth and traditional workplace contributions, required distributions, catch-up contribution provisions, unused 529 assets, and the differences between leaving heirs a traditional retirement account and a Roth account. The episode emphasizes that Roth planning should be coordinated with an investor’s broader tax, income, and estate strategy. The goal is not simply to move more money into a Roth. It is to determine when paying taxes today may create a better long-term result.
Transcribe →Retiring Into a Bear Market: Managing Sequence Risk
2w ago00:18:37Tap to summarizeRetiring into a bear market can put even a well-funded retirement plan under immediate pressure. The danger is not only the decline itself, but having to fund spending from depressed investments—and making emotional decisions that lock in losses.Derek Gabrielsen, CRPC® — Senior Wealth Advisor, and Tony Zabiegala, CRPC® — Senior Wealth Advisor, examine three retirement scenarios and the choices that changed the outcome. They discuss maintaining a reserve for portfolio-funded living expenses, using cash and short-term bonds before selling equities, adjusting discretionary spending, considering part-time income, rebalancing, evaluating Roth conversions during a downturn, and using annuity income when appropriate.This episode provides a practical framework for stress testing a retirement plan before the next bear market arrives. It offers educational perspective on withdrawal strategy, liquidity, taxes, portfolio structure, and the behavioral decisions investors face during difficult markets.Learn more at Wealthalyze.com
Transcribe →Sticky Inflation, Interest Rates and What Investors Should Do Next
3w ago00:22:35Tap to summarizeRate cuts were expected at the beginning of 2026. Then inflation concerns and rising energy prices put potential rate hikes back on the table. Now, the latest inflation data has changed the outlook once again.In this episode of The Capitalist Investor, the team breaks down why inflation may remain between 3% and 4% for the foreseeable future and what that could mean for stocks, bonds, real estate, cash, annuities, and retirement income.They discuss the potential rotation between growth and value stocks, why higher rates may benefit financial companies, how investors should review bond duration, and where to consider holding cash that is earning little or no interest.Most importantly, they explain why investors should not make major portfolio changes every time the economic forecast shifts. The news can change quickly. A strong financial plan should be able to adjust without being completely rebuilt around each new headline.The opinions expressed in this podcast are for general informational purposes only and are not intended to provide specific investment, financial, legal, or tax advice. Please consult a qualified professional regarding your individual situation.
Transcribe →Immigration, Housing Costs and Retirement: What the Fed Study Really Says
Jul 900:21:51Tap to summarizeThe Federal Reserve just released data linking immigration to housing market trends. Learn how rising house prices impact your retirement.This episode of The Capitalist Investor examines recent research from the Federal Reserve regarding the connection between unauthorized immigration and housing market trends. We bypass the political noise to focus strictly on the economic data provided by the central bank. If you are concerned about how shifting demographics might alter your long-term financial stability, this analysis provides a clear look at the current landscape.Our goal is to help you understand how rising house prices and increasing rent prices might influence your personal retirement planning. By reviewing this specific study, we highlight why housing costs are a critical variable in your financial strategy. We break down the implications for investors and homeowners alike, ensuring you have the data needed to adjust your portfolio expectations.Subscribe for weekly investment breakdowns, and let us know in the comments how you are adjusting your portfolio for the current economic climate.
Transcribe →Common IRA Mistakes That Could Hurt Your Retirement Plan
Jul 200:09:42Tap to summarizeRoth or traditional IRA? 401(k) or IRA? Tax deduction now or tax-free withdrawals later?These are common questions when saving for retirement, but many people get stuck trying to make the “perfect” decision and end up delaying the most important step: actually saving.In this episode of The Capitalist Investor, the crew breaks down common IRA and retirement account mistakes, including why Roth vs. traditional is not always a simple answer, how required minimum distributions can affect retirement income, why spousal IRA contributions are often overlooked, and how your 401(k) and IRA should work together instead of being treated as separate decisions.They also discuss the importance of having money in different tax buckets, using retirement accounts strategically, and avoiding the mistake of looking at each investment account in a vacuum.If you are building your retirement plan, reviewing your IRA, or trying to decide how your 401(k) fits into your larger financial picture, this episode will help you think through the bigger strategy.Listen to The Capitalist Investor for conversations about retirement planning, investing, taxes, financial strategy, and the decisions that can impact your long-term financial future.Chapters0:00 Common IRA and retirement account mistakes0:47 Roth vs. traditional IRA1:32 Required minimum distributions and taxes2:35 Why generic retirement advice can be misleading3:55 The biggest mistake: procrastinating on saving4:34 Why tax buckets matter in retirement5:30 Spousal IRA contributions6:26 Coordinating your 401(k) and IRA7:47 Looking at retirement accounts holistically8:38 Balancing overexposure in your portfolio9:08 Final thoughts
Transcribe →Why More People Are Tapping Their 401(k)s Early
Jun 2500:19:46Tap to summarizeA record number of Americans are tapping their 401(k)s through hardship withdrawals, and the reasons are not small or careless expenses. Many people are using retirement savings to avoid foreclosure, cover medical bills, or pay for major home repairs.In this episode of The Capitalist Investor, Derek and Dave Huberty discuss what is driving the increase in hardship withdrawals, why inflation and rising household costs are putting pressure on retirement plans, and what people should understand before pulling money out of a 401(k).They also talk about the real cost of early withdrawals, including taxes, penalties, lost compounding growth, and the impact it can have on near-retirees. The conversation wraps with practical ways to prepare for unexpected expenses, including building the right-sized emergency fund and considering other sources of liquidity before touching retirement savings.Key Topics Covered Why 401(k) hardship withdrawals have increased The difference between averages and what many households are actually experiencing Common reasons people are accessing retirement funds early Taxes, penalties, and opportunity cost Why withdrawals can be especially damaging close to retirement How inflation is forcing people to reassess their budgets Why a $1,000 emergency fund may not be enough anymore How emergency savings and home equity lines of credit can help protect your retirement plan
Transcribe →Should Retirees Invest in SpaceX? | Breaking Down the Biggest IPO in History
Jun 1800:17:54Tap to summarizeSpaceX just made history with the largest IPO ever, raising $75 billion and quickly becoming one of the most valuable companies in the world. The excitement has investors asking one question: Should you buy SpaceX stock?In this episode of The Capitalist Investor, Derek and Jack take a balanced look at the opportunities and risks surrounding SpaceX's public debut. Rather than focusing on hype, they discuss whether this high-growth company belongs in a retirement portfolio.Topics include: Why the SpaceX IPO is making headlines The bull case for investing in SpaceX Valuation concerns and potential risks How the IPO lockup period could affect the stock price Why retirees should think differently about growth investments The difference between investing for excitement and investing for retirement income If you're approaching retirement or simply wondering whether SpaceX deserves a place in your portfolio, this conversation provides the perspective you need before making a decision.The opinions expressed in this podcast are for educational purposes only and should not be considered investment, tax, or legal advice. Always consult a qualified financial professional regarding your individual situation.
Transcribe →Don’t Leave Your Family Wealthy And Confused
Jun 1100:15:29Tap to summarizeMost retirement planning focuses on building wealth. But what happens when age, illness, or cognitive decline make it difficult, or impossible, to manage your money?In this episode of The Capitalist Investor, Diamond Hands D is joined by Sam and Jack to talk through one of the most important retirement planning conversations families tend to avoid: how to protect your finances before something goes wrong.They discuss why cognitive decline is a real concern in retirement, why legal documents need to be handled before they are needed, and how tools like durable power of attorney, trusted contact designations, revocable living trusts, health care proxies, and financial power of attorney can help protect both retirees and their families.The team also covers practical steps beyond legal documents, including naming beneficiaries, consolidating accounts, creating a financial inventory, automating the right bills, reviewing auto transfers, and making sure someone trusted is watching out for potential fraud or exploitation.The biggest takeaway: building wealth is only part of the plan. You also need to make sure your family knows where everything is, who can act on your behalf, and what to do if you can no longer make financial decisions on your own.
Transcribe →Is the 4% Rule Still Safe for Retirement?
Jun 400:14:50Tap to summarizeFor decades, the 4% rule has been one of the most common retirement planning guidelines. The idea was simple: withdraw 4% of your portfolio in the first year of retirement, adjust for inflation each year, and your money should last for 30 years.But does that rule still work today?In this episode of The Capitalist Investor, Diamond Hands D is joined by Sam and Jack to break down where the 4% rule came from, why it was never meant to be a one-size-fits-all strategy, and what has changed since it became popular in the 1990s.They discuss bond returns, longer life expectancy, market valuations, inflation, spending flexibility, guardrails, variable withdrawal strategies, income flooring, and where annuities may fit into a retirement income plan.The biggest takeaway: the 4% rule can still be a helpful starting point, but it should not be the entire plan. Retirement is income, and every retiree needs a strategy built around their actual life, goals, spending needs, and risk tolerance.
Transcribe →Should You Save More or Work 2 Extra Years Before Retirement?
May 2800:17:41Tap to summarizeMost people assume the key to retirement is aggressively saving every extra dollar possible. But what if working just two more years could have an even bigger impact?In this episode of The Capitalist Investor, Tony and Derek break down the surprising math behind delaying retirement. They explain how two additional working years can potentially increase 401(k) contributions, allow more time for compound growth, reduce early withdrawals from retirement accounts, and boost Social Security income for the rest of your life.The conversation also explores the real-life side of retirement planning including burnout, health concerns, job satisfaction, part-time work, and the emotional pressure of trying to “save perfectly.” Whether you’re approaching retirement or simply trying to make smarter financial decisions today, this episode offers practical insights that many retirement advisors avoid discussing.Topics discussed include:• Working longer vs saving more • 401(k) contribution strategies • Social Security timing • Retirement income planning • Market risk during retirement • Part-time work in retirement • Financial planning mistakes • Retirement lifestyle decisionsIf you want a retirement plan built around real life instead of generic formulas, this episode is for you.
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