In Episode 12 of “Our 2 Cents On Your Dollar,” we take a deep dive into Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs), two key tools for managing healthcare costs and maximizing tax benefits. We explore how HSAs offer a triple tax advantage, long-term savings potential, and the flexibility to roll over funds, while FSAs provide a way to plan for short-term healthcare expenses. Our experts also discuss strategies for integrating these accounts into your overall financial plan, helping you make informed decisions on healthcare spending, tax planning, and savings growth. Whether you’re navigating rising medical costs or simply looking to optimize your healthcare strategy, this episode equips you with the knowledge to take full advantage of these health savings tools and ensure your financial well-being.

In Episode 11 of “Our 2 Cents On Your Dollar,” we sit down with Dr. Diane Milliken Garza, Executive Director of the Rio Grande Valley Philanthropic Foundation, to explore the powerful world of Donor-Advised Funds (DAFs). Dr. Garza brings her wealth of experience in philanthropy to help listeners understand how DAFs can be a strategic and impactful way to manage charitable giving. We dive into how DAFs work, their tax benefits, and how they empower donors to support causes they care about while maximizing their financial efficiency. Whether you’re an experienced philanthropist or just starting your giving journey, this episode offers valuable insights into how donor-advised funds can make your charitable dollars go further. Tune in for expert advice on making a lasting impact through thoughtful giving!

In Episode 10 of “Our 2 Cents On Your Dollar,” we take a comprehensive look at investment performance by breaking down rates of return and the different types of investment income. Our experts discuss how dividends, interest, and capital gains impact overall investment performance and explain the factors that influence returns over time. Whether you’re a seasoned investor or just getting started, this episode will equip you with the knowledge to evaluate your investments more effectively and make informed decisions for long-term financial growth. Tune in to learn how to measure success in your portfolio and optimize your financial outcomes.

In Episode 9 of “Our 2 Cents On Your Dollar,” we dive into the world of retirement planning by comparing two popular options: Traditional and Roth IRAs. Our financial experts break down the key differences between these accounts, including tax benefits, contribution limits, and withdrawal rules. Whether you’re starting your retirement savings or reassessing your current plan, this episode provides the insights needed to choose the IRA that best aligns with your financial goals and future plans. Tune in to gain a clearer understanding of how to maximize your retirement savings and make your dollars work smarter for you.

In Episode 8 of “Our 2 Cents On Your Dollar,” we explore the essentials of college planning with a spotlight on athletic scholarships and other key financial resources for funding higher education. Our team of experts dives into the ins and outs of securing athletic scholarships, understanding the financial aid landscape, and strategic saving options for college. Whether you’re a student-athlete aiming for a scholarship or a parent navigating the complexities of college costs, this episode provides the guidance you need to make informed financial decisions. Join us as we offer our two cents on how to finance the future while maximizing every dollar along the way.

In the seventh episode of “Our 2 Cents On Your Dollar Podcast,” we delve into the world of professional designations and education in financial planning. Understanding these credentials can help you choose the right financial advisor and grasp how their expertise can benefit your financial journey.

In This Episode:

• Understanding Designations: A breakdown of common professional designations in financial planning and what they signify.

• Education Matters: How education and certifications impact the quality and approach of financial planning services.

• Choosing the Right Professional: Insights on what to look for in a financial planner based on their credentials and expertise.

Topics Covered:

1. Key Financial Planning Designations Explained

2. The Role of Education in Financial Planning

3. How to Evaluate Financial Planners Based on Their Professional Credentials

In the second episode of “Our 2 Cents On Your Dollar Podcast,” we address the elephant in the room: the F word—Fees! Understanding the fees and services in financial planning is crucial for making informed decisions about your financial future. In This Episode: • Breaking Down Fees: A comprehensive look at the different types of fees in financial planning and what they mean for you. Topics Covered: 1. Types of Fees in Financial Planning 2. What Services to Expect from Your Financial Planner 3. How to Assess the Value of Financial Planning Services Watch More: • Subscribe for more episodes and financial insights! • Like and comment your thoughts on fees and services in financial planning.

In the third episode of “Our 2 Cents On Your Dollar Podcast,” we are thrilled to welcome special guest Thomas Flores, an expert in business and estate planning. Thomas shares his invaluable insights and strategies to help you secure your financial future and effectively manage your business assets. In This Episode: • Introduction to Thomas Flores: Learn about Thomas’s background and expertise in business and estate planning. • Business Planning Essentials: Key strategies for business owners to protect and grow their assets. • Estate Planning Insights: Understanding the importance of estate planning and how to ensure your legacy is preserved. Watch More: • Subscribe for more episodes featuring expert insights! • Like and comment your questions and thoughts on business and estate planning.