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Welcome to Cardinal Advisors' latest video! Today, Hans and Tom dive deep into the intricate world of income taxes and the Seven Money Worries framework that underpins our financial planning approach.…

Welcome to Cardinal …

Welcome to Cardinal Advisors' latest video! Today, Hans and Tom dive deep into the intricate world of income taxes and the Seven Money Worries framework that underpins our financial planning approach. Join us as we explore how taxes interact with every facet of your financial life, from Retirement Planning to Estate planning. Join us as we unravel the complexities of income taxes and empower you to make informed financial decisions. Watch the video to see how income taxes intersect with each of the Seven Money Worries, providing insights that help you keep more of your hard-earned money for y…

Welcome to Cardinal Advisors! In today's session, we're examining closely estate planning essentials, focusing on the critical documents you absolutely need. Whether you're just starting to plan or ne…

Welcome to Cardinal …

Welcome to Cardinal Advisors! In today's session, we're examining closely estate planning essentials, focusing on the critical documents you absolutely need. Whether you're just starting to plan or need a refresher, this video is crucial for safeguarding your future and your loved ones.Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2025/02/Estate-Planning-Documents-You-Must-Have-Show-Notes.pdfH E Scheil & Associates doing business as Cardinal Advisors …

Big changes to Social Security! The Social Security Fairness Act was signed into law at the start of 2024, officially repealing the Windfall Elimination Provision (WEP) and Government Pension Offset (…

Big changes to Socia…

Big changes to Social Security! The Social Security Fairness Act was signed into law at the start of 2024, officially repealing the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). This means higher Social Security checks for many retirees who worked in non-covered government jobs! In this video, we explain: What the Social Security Fairness Act does. How it impacts teachers, government employees, and public workers. Who qualifies for higher Social Security benefitsWhat steps you should take if you’re affected and real-life examples of how much benefits are increasi…

Are you prepared for an unexpected tax hit in 2025? In this video, Hans Scheil and Tom Griffith break down the Net Investment Income Tax (NIIT)—a 3.8% tax that catches many high-income earners by su…

Are you prepared for…

Are you prepared for an unexpected tax hit in 2025? In this video, Hans Scheil and Tom Griffith break down the Net Investment Income Tax (NIIT)—a 3.8% tax that catches many high-income earners by surprise. Whether you're selling a rental property, cashing out investments, or earning passive income, this tax could significantly impact your financial plan. Discover more in this lesson!Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2025/01/2025-Tax-Planning…

Welcome to Cardinal Advisors! In today's session, we're focusing on estate planning at age 65 using life insurance. Join us as we explore how life insurance, alongside annuities, investments, long-ter…

Welcome to Cardinal …

Welcome to Cardinal Advisors! In today's session, we're focusing on estate planning at age 65 using life insurance. Join us as we explore how life insurance, alongside annuities, investments, long-term care, Medicare, and more, plays a crucial role in comprehensive financial planning.Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2024/12/Estate-Planning-At-65-Using-Life-Insurance-Show-Notes-1.pdfH E Scheil & Associates doing business as Cardinal Advi…

Are you confused about how taxes apply to your Social Security benefits? You’re not alone! In this video, Hans Scheil and Tom Griffith break down the complexities of federal income tax on Social Sec…

Are you confused abo…

Are you confused about how taxes apply to your Social Security benefits? You’re not alone! In this video, Hans Scheil and Tom Griffith break down the complexities of federal income tax on Social Security, providing real-life examples and actionable insights to help you better understand and plan for your retirement income. Watch the video to gain more insight!Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2024/11/Social-Security-Income-Tax-How-Does-It-Work…

In this video, Hans Scheil and Tom Griffith break down the 2025 tax brackets, explaining how they are adjusted for inflation and what this means for your retirement planning. While the tax rates remai…

In this video, Hans …

In this video, Hans Scheil and Tom Griffith break down the 2025 tax brackets, explaining how they are adjusted for inflation and what this means for your retirement planning. While the tax rates remain unchanged, the brackets themselves have shifted, creating opportunities to optimize your tax strategy. Hans and Tom are here to simplify complex financial topics so you can make confident decisions for your future. Thanks for watching!Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.c…

In today’s Cardinal Lesson, we’re talking about retirement income planning—covering cash flow, paying taxes in retirement, and creating a financial plan that balances needs and wants. Meet Tom a…

In today’s Cardina…

In today’s Cardinal Lesson, we’re talking about retirement income planning—covering cash flow, paying taxes in retirement, and creating a financial plan that balances needs and wants. Meet Tom and Chelsea, a couple turning 65 with $3.5 million in retirement savings. Through their case study, we’ll demonstrate how to structure a comprehensive retirement income plan that provides financial security and peace of mind. This is the first in a series of videos focusing on Tom and Chelsea’s retirement journey. Stay tuned for next week’s video, where we’ll explore Roth conversions and ho…

Have you just inherited an IRA, or are you naming beneficiaries on your IRA or 401k? Understanding the tax implications and distribution rules is crucial, especially after the SECURE Act changes. In t…

Have you just inheri…

Have you just inherited an IRA, or are you naming beneficiaries on your IRA or 401k? Understanding the tax implications and distribution rules is crucial, especially after the SECURE Act changes. In this video, we break down everything you need to know whether you're planning your own IRA or handling an inherited one.Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2024/05/Inherited-IRA_-Be-Smart-About-Income-Tax-Show-Notes.pdfH E Scheil & Associates doi…

Are you currently on Medicare and want to ensure you're not overpaying for your supplement insurance? This video is for you! Whether you've had your plan for a few years or are just curious about pote…

Are you currently on…

Are you currently on Medicare and want to ensure you're not overpaying for your supplement insurance? This video is for you! Whether you've had your plan for a few years or are just curious about potential savings, we cover essential tips and insights to help you make informed decisions about your Medicare supplement plan. Watch the video now to learn how you can start saving today!Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2024/04/Medicare-Knowledge-If-…

Welcome to today's Cardinal lesson where we're discussing the key ages and milestones as you approach and enter retirement. Understanding these ages is crucial to making informed decisions and avoidin…

Welcome to today's C…

Welcome to today's Cardinal lesson where we're discussing the key ages and milestones as you approach and enter retirement. Understanding these ages is crucial to making informed decisions and avoiding costly mistakes. From early ages like 50 to critical milestones at 65, 66, and beyond, we cover what you need to know and do at each stage.Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2024/04/Age-for-IRA-Catch-Up-Social-Security-Medicare-FRA-RMD-QCD-Show-Not…

Back in 2017, the Tax Cuts and Jobs Act brought significant tax reductions, but they're set to expire at the end of 2025. That's right around the corner, folks. Despite all the talk, the law of the la…

Back in 2017, the Ta…

Back in 2017, the Tax Cuts and Jobs Act brought significant tax reductions, but they're set to expire at the end of 2025. That's right around the corner, folks. Despite all the talk, the law of the land states that tax rates will revert to 2017 levels unless Congress acts fast, which, let's face it, is unlikely. Join Hans Scheil and Tom Griffith as they break down the current tax brackets, explore potential strategies, and shed light on how these changes could impact your financial future. From Roth conversions to estate planning, we've got you covered.Questions? Email us at Hans@CardinalGu…

Welcome to our channel! Today, we're diving into estate planning and discussing how life insurance can help lower or even pay your estate tax bill. Specifically, we'll be exploring the concept of an I…

Welcome to our chann…

Welcome to our channel! Today, we're diving into estate planning and discussing how life insurance can help lower or even pay your estate tax bill. Specifically, we'll be exploring the concept of an Irrevocable Life Insurance Trust (ILIT).Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2024/04/Estate-Planning-Irrevocable-Life-Insurance-Trust-ILIT-Show-Notes.pdfH E Scheil & Associates doing business as Cardinal Advisors holds an insurance license in al…

Join us in today's insightful discussion as we explore the intricate relationship between Cardinal, our team, and Brookstone Capital Management (BCM). In this detailed video, we shed light on how fina…

Join us in today's i…

Join us in today's insightful discussion as we explore the intricate relationship between Cardinal, our team, and Brookstone Capital Management (BCM). In this detailed video, we shed light on how financial planning and investment management are handled through our partnership with BCM, a registered investment advisor under the Investment Act of 1940. Learn about our experience and expertise in financial planning and investment management and how it can help you! Your financial needs are specific and important to you, and to us. Visit us online today at www.cardinalguide.com to learn more.…

Welcome to today's Cardinal lesson! Join us as we consider the crucial differences between tax-free and tax-deferred investments. It's important to know the difference for your financial future. Card…

Welcome to today's C…

Welcome to today's Cardinal lesson! Join us as we consider the crucial differences between tax-free and tax-deferred investments. It's important to know the difference for your financial future. Cardinal Guide brings experience and expertise to the conversation about which IRA and 401k investment style best fits YOUR needs. Don't gamble with your financial stability and future as you head into, or manage your retirement. Discover how these distinctions impact your financial future and why planning for the long term is essential.Questions? Email us at Hans@CardinalGuide.com, call us at (919…

Welcome to today’s educational video where we discuss the specifics of long-term care annuities. If you’ve been concerned about your insurability for long-term care or curious about how annuities …

Welcome to today’s…

Welcome to today’s educational video where we discuss the specifics of long-term care annuities. If you’ve been concerned about your insurability for long-term care or curious about how annuities can be structured to provide significant long-term care benefits, this video is for you.Show Notes: https://cardinalguide.com/wp-content/uploads/2024/03/Long-Term-Care-Annuity-100-000-Single-Premium-Show-Notes.pdfQuestions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/H E Scheil & Associates doing business as Cardinal Ad…

In this video, Hans and Tom breakdown a crucial but often overlooked aspect of Medicare known as IRMAA (Income Related Monthly Adjustment Amount). This surcharge impacts about 7% of Medicare beneficia…

In this video, Hans …

In this video, Hans and Tom breakdown a crucial but often overlooked aspect of Medicare known as IRMAA (Income Related Monthly Adjustment Amount). This surcharge impacts about 7% of Medicare beneficiaries who have higher incomes during retirement. We break down what IRMAA is, why it exists, and how it's calculated based on income from two years prior.Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2024/03/Medicare-Tax-on-High-Income-IRMAA-2024-Show-Notes.pdf…

Today we examine one of your most significant retirement decisions: when to start claiming Social Security benefits. Should you claim early, delay until age 70, or choose somewhere in between? We brin…

Today we examine one…

Today we examine one of your most significant retirement decisions: when to start claiming Social Security benefits. Should you claim early, delay until age 70, or choose somewhere in between? We bring Clarity to this complex topic by presenting detailed financial calculations and scenarios to illustrate the impact of each choice on your retirement income.Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/Show Notes: https://cardinalguide.com/wp-content/uploads/2024/03/Delay-Social-Security_-Take-It-Now_-Wait-Til-70_S…

Show Notes: https://cardinalguide.com/wp-content/uploads/2024/02/How-Much-Income-Tax-Do-Retirees-Pay-Show-Notes-2.pdfWelcome to today's Cardinal lesson, where we look into a topic that's crucial yet…

Show Notes: https://…

Show Notes: https://cardinalguide.com/wp-content/uploads/2024/02/How-Much-Income-Tax-Do-Retirees-Pay-Show-Notes-2.pdfWelcome to today's Cardinal lesson, where we look into a topic that's crucial yet often overlooked - navigating taxes in retirement. Contrary to common misconceptions, the tax landscape shifts significantly once you retire. This isn't your usual tax talk; it's about strategizing to pay less and keep more of your income once you hit retirement.Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/H E Sc…

@CardinalAdvisors Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at CardinalGuide.com.

@CardinalAdvisors E…

@CardinalAdvisors Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at CardinalGuide.com.