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Hans Scheil Hans “John” Scheil, CFP®

Hans “John” Scheil is the author of The Complete Cardinal Guide and has over 40 years of experience specializing in helping individuals at or near Retirement. John’s insurance career began at the age of 18, when he sold insurance while attending college full time. His years in the insurance industry included positions as a Branch Manager, National Sales Director, and Senior Vice President for several nationally recognized insurance companies. John holds a Bachelor of Science degree from Northern Illinois University (1980) and a Master of Science in Management from The American College (2007).

John resides in Cary, North Carolina, with his wife, Ronda, and dog, Ellie, and has two grown sons. He is involved locally with StepUp Ministries and the Alzheimer’s Association. John enjoys golf, traveling the world, and leadership.

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Inherited Ira? Be Smart About Income Tax &Raquo; Hqdefault 496
Inherited IRA? Be Smart About Income Tax

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…

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Medicare Knowledge If You’re 65+ &Raquo; Hqdefault 204
Medicare Knowledge If You’re 65+

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-…

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Age For Ira Catch Up, Social Security, Medicare, Fra, Rmd, &Amp; Qcd &Raquo; Hqdefault 205
Age For IRA Catch Up, Social Security, Medicare, FRA, RMD, & QCD

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…

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2026 Income Tax Increase &Raquo; Hqdefault 594
2026 Income Tax Increase

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…

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Estate Planning - Irrevocable Life Insurance Trust (Ilit) &Raquo; Hqdefault 595
Estate Planning – Irrevocable Life Insurance Trust (ILIT)

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…

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Financial Planning And Investment Management. Learn How Cardinal Advisors Can Help &Raquo; Hqdefault 596
Financial Planning and Investment Management. Learn how Cardinal Advisors can help

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.…

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Tax Free Ira/401K Vs Tax Deferred Ira/401K : Learn The Difference And Which One Is Right For You &Raquo; Hqdefault 597
Tax Free IRA/401k vs Tax Deferred IRA/401k : Learn the Difference and which one is right for you

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…

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Long-Term Care Annuity $100,000 Single Premium &Raquo; Hqdefault 613
Long-Term Care Annuity $100,000 Single Premium

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…

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Medicare Tax On High Income - Irmaa 2024 &Raquo; Hqdefault 614
Medicare Tax on High Income – IRMAA 2024

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…

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Delay Social Security? Take It Early? Wait Til 70? &Raquo; Hqdefault 615
Delay Social Security? Take It Early? Wait Til 70?

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…

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How Much Income Tax Do Retirees Pay? &Raquo; Hqdefault 616
How Much Income Tax Do Retirees Pay?

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…

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Why Estate Planning? Learn about the Necessity of Estate Planning from Cardinal Advisors

In today's enlightening episode, we consider the critical topic of Estate Planning and its undeniable necessity in financial planning. With the expertise of Hans Scheil and the special insights from T…

In today's enlighten…

In today's enlightening episode, we consider the critical topic of Estate Planning and its undeniable necessity in financial planning. With the expertise of Hans Scheil and the special insights from Tom, we aim to shed light on why preparing for the future is not just beneficial but essential for everyone. Whether you're a high-profile celebrity or an average individual, the aftermath of not having an estate plan can be chaotic and stressful for your loved ones. Cardinal Advisors are experts in Estate Planning and can help shed light on the complexity of planning for your, or a loved ones est…

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