In Episode 112 of the Money PIG Podcast presented by Goodwin Investment Advisory, Tim Goodwin is joined by his newly promoted co-host Joe Beckford. This episode blends practical wisdom with a friendly, approachable tone as they explore the quiet financial costs that can sneak up on high-net-worth families if planning is left on autopilot

Rather than focusing on market predictions, Tim and Joe encourage listeners to be intentional in 2026 by paying attention to patterns, missed opportunities, and the cost of waiting.

In this episode, they cover

Why missed planning opportunities can quietly cost more than market swings
Commonly overlooked strategies like Roth conversions, backdoor Roths, and QCDs (qualified charitable distributions).
How giving appreciated securities or using a donor-advised fund can be more effective than giving cash
Where money often leaks out through taxes, disorganization, and unaligned advisors
Why your financial advisor, CPA, and estate attorney need to work together
How assumptions about last year can lead to surprises in the next one
The real cost of waiting includes penalties, missed tax savings, and outdated estate documents
One key area to review in 2026 is the different tax types your money is invested in and why having a mix matters.

The big takeaway
Be intentional, not accidental. Have a plan, update it often, and do not do it alone.

Resources and next steps:

Blog Post: How Financial Planning Can Help you Reach Your Long-Term Goals

Blog Post: Things You Didn’t Know a Financial Advisor Could Do For You

Podcast: Things You Didn’t Know a Financial Advisor Could Do For You

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