The Show

Apollon Wealth Management, LLC (“Apollon”) provides advice and make recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. 
Apollon does not provide tax advice, individuals are strongly advised to consult with a tax professional before making any tax-related decisions. The information provided herein may not be relied on for purposes of avoiding taxes.The specific considerations for you may need expertise or review by a tax professional, licensed insurance provider, estate planning attorney or other professional to determine how it applies to you. Information provided is generic in nature, for educational purposes and not specific advice. Speak with your tax professional about your specific personal considerations before making any planning decisions. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

With tax deadlines approaching, we talk about the real-world complexity of Roth conversions—starting with a detailed caller scenario that highlights how confusing the rules can actually be. Brian and Jeremiah walk through how taxes are paid on conversions, when estimated payments are required, and unpack lesser-known strategies like the “withhold and replace” approach and the 60-day rollover rule.

The show also covers a second caller navigating a pension lump sum, breaking down rollover options, how to access funds without unnecessary penalties, and strategies like 72(t) distributions. Along the way, the hosts explain why even simple financial decisions can become complicated when taxes are involved, and why many advisors fall short when it comes to coordinating tax strategy with investment planning.

Financial planning isn’t just about what you do—it’s about how and when you do it, especially when taxes are involved.


Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com

Hosts
Jeremiah Bates & Brian Wiley
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Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
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Apollon Wealth Management, LLC (“Apollon”) provides advice and make recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. Apollon does not provide tax advice, individuals are strongly advised to consult with a tax professional before making any tax-related decisions. The information provided herein may not be relied on for purposes of avoiding taxes.The specific considerations for you may need expertise or review by a tax professional, licensed insurance provider, estate planning attorney or other professional to determine how it applies to you. Information provided is generic in nature, for educational purposes and not specific advice. Speak with your tax professional about your specific personal considerations before making any planning decisions. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

With markets entering correction territory, Brian and Jeremiah break down what recent volatility actually means and how investors should respond without making emotional mistakes. They explain how rising oil prices, inflation expectations, and interest rate uncertainty are driving market swings, and why having a strategy in place matters more than reacting to headlines.

The conversation then shifts into actionable tax and investment planning. The guys walk through strategies like tax-loss harvesting, managing concentrated stock positions, and why reducing taxes can be just as impactful as chasing higher returns. They also highlight commonly missed opportunities, including properly funding HSAs and coordinating tax decisions with your overall investment strategy.

A key segment focuses on what investors should expect from a financial advisor. After a caller shares frustration with being pushed off to a CPA, the hosts explain why true fiduciary advice should include tax-aware planning, guidance on Roth conversions, Social Security timing, and a fully coordinated strategy—not just investment management.


Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com

Hosts
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————

Apollon Wealth Management, LLC (“Apollon”) provides advice and make recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. Apollon does not provide tax advice, individuals are strongly advised to consult with a tax professional before making any tax-related decisions. The information provided herein may not be relied on for purposes of avoiding taxes.The specific considerations for you may need expertise or review by a tax professional, licensed insurance provider, estate planning attorney or other professional to determine how it applies to you. Information provided is generic in nature, for educational purposes and not specific advice. Speak with your tax professional about your specific personal considerations before making any planning decisions. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

Apollon Wealth Management, LLC (“Apollon”) provides advice and make recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. Apollon does not provide tax advice, individuals are strongly advised to consult with a tax professional before making any tax-related decisions. The information provided herein may not be relied on for purposes of avoiding taxes.The specific considerations for you may need expertise or review by a tax professional, licensed insurance provider, estate planning attorney or other professional to determine how it applies to you. Information provided is generic in nature, for educational purposes and not specific advice. Speak with your tax professional about your specific personal considerations before making any planning decisions. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

As markets flirt with correction territory and geopolitical tension continues to drive uncertainty around oil, inflation, and interest rates, Brian and Jeremiah focus on what investors should actually do when volatility rises. Rather than reacting to headlines, they explain why market pullbacks create opportunities—from tax-loss harvesting to strategic gifting—and how disciplined planning can turn short-term declines into long-term advantages.

The show then shifts into practical, real-world financial planning conversations. The hosts walk through how to handle inheritances, including what happens to debt, how probate works, and why some assets may need to be liquidated despite emotional attachment. They also highlight lesser-known strategies like gifting appreciated stock, charitable giving for tax efficiency, and using HSAs more effectively.

In Hour 2, the conversation returns to fundamentals, breaking down retirement accounts like traditional IRAs and Roth IRAs in simple terms. How they’re taxed, when contributions make sense, and how to use them to reduce taxes today while planning for future income.


Listen, Watch, Subscribe, Ask!
https://www.therealmoneypros.com

Hosts
Jeremiah Bates & Brian Wiley
—————————————————————
Ataraxis PEO
https://ataraxispeo.com
 
Tree City Advisors of Apollon:
https://www.treecityadvisors.com
 
Apollon Wealth Management:
https://apollonwealthmanagement.com/
—————————————————————

You may be able to move those funds into an ABLE account — so they can help support your child’s care, while maintaining potential tax advantages.

Apollon Wealth Management, LLC (“Apollon”) provides advice and make recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. Please visit our website http://apollonwealthmanagement.com for other important disclosures.

Roth Conversns can be beneficial from a tax standpoint 💡 but who reaps the most benefits? Sometimes, it’s not even you.