The 9Innings Podcast

Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode, Kevin Thompson, founder and CEO of 9i Capital Group, breaks down the recent changes to Texas property tax laws, with a focus on the 2024 homestead exemption updates and what I call the “Texas Two Step.” We walk through how stricter enforcement is impacting homeowners—especially those who have placed their homes into trusts—and I use my parents’ situation as a real-world example. The key takeaway: you need to make sure your trust documents are structured correctly, respond to appraisal district notices on time, and stay proactive. If you don’t, you risk losing one of the most valuable tax benefits available to Texas homeowners. This is one of those areas where a small oversight can cost you thousands, so working with the right professionals matters. Texas Two-Step and Homestead Exemption Changes (00:00:55) Trust Transfers and Homestead Exemption Risks (00:02:13) Importance of Trust Language Post-2024 Law (00:04:26) Reapplication Notices and Legislative Background (00:06:54) Fraud Prevention and Systemic Impact (00:08:21) Texas Requirements for Homestead Exemption (00:10:44) Conclusion and Final Advice (00:13:02) NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of Facts Over Feelings, on the 9innings Podcast Channel, Kevin Thompson breaks down the chaos of tax season—what he calls “1099 Madness.”He dives into how the Social Security Fairness Act is impacting retirees, and why many are facing unexpected tax bills due to unadjusted withholdings. He also clears up a major misconception around larger refunds, explaining that most are simply the result of over-withholding—not new tax breaks.Lastly, Kevin highlights a time-sensitive opportunity to reclaim late filing penalties and interest from 2019–2024.The message is simple: tax season isn’t just about filing—it’s about understanding what’s actually happening and planning ahead.NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, breaksdown the recent “O3B” tax bill and what it actually means for taxpayers. He explains that much of the legislation simply extends provisions from the 2017 tax cuts, rather than creating entirely new ones, meaning most Americans shouldn’t expect dramatic changes to their tax bill.Kevin also addresses the larger refunds some taxpayers are seeing, explaining that many of them are the result of over-withholding earlier in the year after the law was passed mid-2025, not necessarily new tax savings. The episode highlights where the real benefits are concentrated—primarily among seniors, business owners, and higher-income households—and reinforces a key takeaway: real tax savings usually come from proper tax planning, not just changes in legislation.Introduction & Episode Overview (00:00:00) Are the Tax Cuts Actually Saving Money? (00:01:00) .Why Refunds Look Bigger (00:04:55) Who Actually Benefits from the Bill (00:07:17) Why Tax Planning Matters More Than the Law (00:11:24) NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode of the "9innings Podcast" host Kevin Thompson welcomes Dr. John T. Harvey for an in-depth discussion on the U.S. national debt, inflation, and economic policy. They examine the implications of America’s $39 trillion debt, compare it to Japan’s situation, and discuss the roles of demographics, immigration, and government spending. The conversation explores the effectiveness of monetary policy, the importance of education and social safety nets, and the challenges of economic inequality, offering listeners a nuanced perspective on the complexities facing the modern U.S. economy. 00:00 — Introduction & Why the Debt Conversation Matters 01:49 — U.S. vs. Japan: Debt, Demographics, and Economic Reality 03:35 — Immigration, Labor, and Social Security Sustainability 08:10 — Inflation, Interest Rates, and Modern Monetary Theory (MMT) 15:08 — Mainstream vs. Alternative Economic Thinking 23:19 — Government Spending, Deficits, and the Private Sector 32:17 — Privatization, Public Goods, and Economic Data Reliability 45:25 — Technology, Marx, and the Future of Work NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS ECON 101: the host analyzes the U.S. housing affordability crisis, focusing on the government’s directive for Fannie Mae and Freddie Mac to buy $200 billion in mortgage-backed securities. The discussion explains why this move is unlikely to meaningfully lower mortgage rates or improve affordability, emphasizing that rates are driven by broader market forces. The episode also highlights the limited impact of compressing mortgage spreads, the offsetting effect of the Federal Reserve’s actions, and the need to address deeper issues like housing supply and wage growth to solve affordability challenges. Government Action and Its Immediate Impact (00:01:14) How Mortgage Rates Are Determined (00:02:32) The Role of Risk Premiums and Market Trust (00:04:13) Understanding Mortgage Spreads (00:05:37) Potential for Policy to Backfire (00:06:44) Risks and Unintended Consequences (00:08:03) Key Takeaways for Buyers, Homeowners, and Investors (00:09:29)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this podcast episode, Altruists' Jason Wenk discusses the launch and impact of Hazel, their AI-driven tax planning and wealth management software. The conversation explores Hazel’s development, strategic release timing, and advanced features—such as real-time data integration, automated tax analysis, and personalized financial planning. Hazel streamlines advisor workflows, reduces reliance on multiple tools, and democratizes sophisticated planning for clients. The episode also covers Hazel’s role in boosting firm efficiency and valuation, its transparent AI-driven recommendations, and the competitive edge Altruist offers over traditional custodians, highlighting Hazel’s transformative potential in the wealth management industry.Altruist Introduction To Tax Planning (2:10)How Is Altruist Disrupting The Indsutry (5:42)What Should We Expect From Hazel Moving Forward (10:20)Hazel and Altruist..The All-in-One Tool? (20:30)Is Ai Accretive to Enterprise Value? (29:20)The Adjustment for Major Custodians (34:00)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfp Buy MLB2CFPHere: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.comDisclosure: https://sites.google.com/view/9idisclosure/disclosure

On this episode of the 9Innings Podcast, Kevin Thompson sits down with Derrick Kinney — former financial advisor, successful practice owner, and now coach and speaker to entrepreneurs nationwide.Derrick walks through his journey from grinding it out early in his career to building — and ultimately selling — a thriving advisory firm. He breaks down how authentic community engagement attracted million-dollar clients, why specialization beats commoditization, and how integrity builds long-term enterprise value.The conversation also dives into the emotional side of selling a business, overcoming revenue plateaus, avoiding shiny object syndrome, and why comparison can quietly kill growth.At its core, this episode is about ownership, sacrifice, and running your own race — with practical lessons for advisors and entrepreneurs who want to build something that actually lasts.From Humble Beginnings to Betting on Himself (00:03:24) Community Over Cold Calls (00:04:37) Specialize or Stay Stuck (00:09:46) The Emotional Reality of Selling a Business (00:15:29) The “You Know How” Framework (00:24:00) The Non-Negotiables for Growth (00:32:20) Breaking Revenue Plateaus (00:37:20) Comparison vs. Celebration (00:43:10) NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode of the 9innings Podcast," host Kevin Thompson and guest Tyrone Ross Jr. analyze the recent turmoil in Bitcoin and the broader crypto market. They discuss causes of the downturn, institutional involvement, regulatory uncertainty, and the shift toward permissioned blockchains. Tyrone critiques the dilution of crypto’s original vision, warns of speculative risks, and calls for a market “washout” to eliminate weak projects. The conversation covers blockchain transparency, misconceptions about Bitcoin ownership, and the future of digital assets, emphasizing the need for education, better infrastructure, and a more sustainable crypto ecosystem. Recent Bitcoin Liquidations and Market Downturn (00:01:28) Institutional Involvement and Co-opting of Crypto (00:03:50) Crypto’s Original Sins and Market Narratives (00:06:47) Altcoins, Scams, and Market Washout (00:08:11) Problems with Crypto Trading and Market Structure (00:11:43) Regulatory and Custody Challenges (00:14:53) Venture Capital, Founders, and Retail Burnout (00:17:36) Blockchain Transparency and Traceability (00:22:16) Long-Term Vision for Crypto and Blockchain (00:25:27) High Interest Rates in Crypto and DeFi Risks (00:28:36) NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode of 9innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, explores the rising costs of homeowner’s insurance, focusing on Texas but noting nationwide trends. He explains why premiums and deductibles—especially for wind and hail—are increasing, often based on inflated home replacement values. Kevin shares personal policy details, highlights the financial strain on homeowners, and discusses the lack of true competition in the insurance market. He urges listeners to shop around, be proactive, and understand the broader affordability challenges facing both homeowners and renters today. Rising Homeowner’s Insurance and Deductibles (00:01:05) Replacement Value vs. Tax Base (00:02:25) Escrow, Mortgage Payments, and Cost Increases (00:03:32)Financing High Deductibles (00:04:35) Wind and Hail Deductible Trends in Texas (00:06:53) Personal Policy Example and Financial Impact (00:08:18) Insurance Market Competition and Lobbying (00:11:03) Market Structure and Profits (00:13:25) NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

Can you really use your 401(k) to buy a house — and would that actually make housing more affordable?There’s growing discussion around a proposal tied to Donald Trump that would allow Americans to tap their 401(k) retirement savings for a home purchase, potentially without early withdrawal penalties. On the surface, it sounds helpful. But Econ 101 tells us the second-order effects matter.In this show Kevin Thompson, CFP®, EA, RICP®, founder of 9i Capital Group explains how this would actually work from a tax perspective, how it compares to first-time homebuyer IRA rules, and why increasing access to retirement money could ultimately push home prices higher.You’ll learn:▶️ How 401(k) withdrawals are taxed (penalty vs taxable income)▶️ Why housing affordability is more about price than interest rates▶️ How increased demand impacts home values▶️ The long-term risk of pulling from retirement accountsThis is financial education — not political commentary.👍 Like, subscribe, and share if this helped you think differently.Full video:https://youtu.be/ptT9MlsmO5INEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfpBuy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications.Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, breaks down how to properly interview a financial advisor before entering a long-term relationship.Kevin highlights the most common mistake he sees, clients not knowing what questions to ask, and walks through a practical framework covering tax advice, compensation, onboarding, specialties, and overall client fit.The conversation focuses on transparency, alignment, and how to recognize red flags early, so investors can avoid costly mistakes and make confident, informed decisions.The goal is simple: empower listeners to choose the right advisor and build a successful advisor-client relationship. Kevin wraps by inviting listener questions and sharing additional resources for deeper learning on the topic.The Problem with Interviewing Advisors (00:00:57)Why Proper Interviewing Matters (00:02:21)Who Does the Advisor Work For? (00:05:35)Understanding the Onboarding Process (00:06:55)Advisor Specialties, Credentials, and Ideal Client Profile (00:08:38)What Good Answers and Red Flags Look Like (00:09:52)Empowerment and Closing Remarks (00:11:10)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of "The 9innings Podcast," host Kevin Thompson and guest Sarah Grillo discuss the ongoing debate over fee structures in financial advising, focusing on flat fee versus assets under management (AUM) models. They explore the importance of transparency, fairness, and client communication, highlighting how different models impact advisor incentives and client relationships. Sarah shares insights from her Transparency Movement, while both agree that building trust and adapting to client needs are key. The episode emphasizes that multiple fee models can coexist, and success depends on clear communication, transparency, and a client-centered approach.Fee Model Polarization Explained (00:04:56)Fairness and Service Alignment in Fee Models (00:07:42)Competitive Advantage Through Transparency (00:12:57)Multiple Business Models in Practice (00:16:37)Defining Best Interest and Flat Fee Variations (00:19:26)Addressing Conflicts of Interest (00:21:12)Sustainability and Capitalism in Fee Models (00:26:09)Entrepreneurship and Social Media Echo Chambers (00:31:18)Final Thoughts: Market Decides & Relationship Building (00:33:36)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9Innings Podcast, Kevin Thompson, founder and CEO of 9i Capital Group, breaks down the most important financial planning considerations retirees need to understand heading into 2026. Kevin explains key tax changes, including the Enhanced Senior Deduction and the new above-the-line auto loan interest deduction, and outlines strategies for maximizing the standard deduction. He also discusses rising Medicare premiums, IRMAA exposure, and how to evaluate Medicare Advantage versus Original Medicare with Medigap. Throughout the episode, Kevin emphasizes proactive planning to manage taxes and healthcare costs, helping retirees make informed decisions and protect long-term retirement income.Enhanced Senior Deduction (00:01:07)Above-the-Line Car Loan Interest Deduction (00:03:12)Stacking Deductions and Standard Deduction Planning (00:04:21)Medicare Premiums and IRMAA (00:05:31)IRMAA Triggers and Tax Coordination (00:07:55)Medicare Advantage vs. Original Medicare (00:08:52)Medigap and Underwriting Considerations (00:10:39)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9innings Podcast, host Kevin Thompson sits down with Chelsea Ransom-Cooper — CFP Board member and wealth advisor — to discuss her path in the financial advisory world. Chelsea opens up about her partnership with Jason Ray, the challenges of launching her own firm, and the significance of representation and the CFP® designation. The two dive into the realities of entrepreneurship, client relationship building, and the changing landscape of financial planning — offering insight and inspiration for both aspiring and seasoned advisors.Chelsea & Jason Ray: How They Met (00:01:51)Building the Partnership & Early Career Moves (00:03:33)The Value and Evolution of the CFP (00:06:24)First Steps as an Entrepreneur (00:13:02)Role as a CFP Board Ambassador (00:17:54)Advice for Young Advisors (00:22:25)Final Words of Wisdom & Closing (00:26:03)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFPHere: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

Welcome to FA Unfiltered, the show where we strip away the jargon, the sales scripts, and the corporate polish to reveal how financial advice really works. In our debut episode, I sit down with Rick Luchini of Luchini Financial to pull back the curtain on the insurance industry — from the recruiting pitch to the incentives that drive sales and the challenges of putting clients first. Whether you’re an investor trying to understand what motivates your advisor or a financial professional questioning the system, this conversation exposes how incentives shape behavior, trust, and transparency in our business. 🎙️ What You’ll Learn How insurance reps are trained to sell, not advise The hidden influence of commissions and production goals Why good advisors are walking away from(00:00:00) Introduction and Industry Beginnings (00:02:00) Recruiting, Training, and the Sales Machine (00:05:00) Culture, Kool-Aid, and Conflicts of Interest A candid discussion about the cult-like sales culture, pressure to perform, and how compensation structures drive recommendations that may not serve the client’s best interest.(00:08:30) Regulation, Titles, and the Fiduciary Fight(00:12:00) Sales vs. True Financial Planning (00:16:30) Insurance Models, Mis-Selling, and Lessons Learned(00:21:00) The Move to Fee-Only and Final Takeaways NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode, we interview Paul Morrison, an IRMAA-certified planner from Lincoln, Nebraska. They discuss the impact of IRMAA (Income Related Monthly Adjustment Amount) on retirees’ Medicare premiums and Social Security benefits, highlighting how rising taxable income can trigger higher costs. Paul explains the complexities of IRMAA, the importance of proactive tax planning, and strategies like Roth conversions to minimize surcharges. The conversation also covers Medicare Advantage, the “widow’s penalty,” and the need for better financial education. The episode blends personal stories with practical advice for navigating retirement’s hidden tax challenges.(03:25) – From College Athletes to Retirees(04:10) – What Is IRMAA?(06:00) – The Tax Trigger(10:20) – How the Brackets Are Set(13:40) – Tax Planning & the SSA-44 Form(19:45) – Medicare Advantage & IRMAA(23:15) – Strategies to Reduce IRMAA(25:55) – The Widow’s Penalty(29:06) - Long-Term Care, RMDs, and IRMA(31:21) - IRMA Certification Details(34:57) - Roth Conversions and Standard DeductionNEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfpBuy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.comDisclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9Innings Podcast, I break down the hidden tax traps inside your 401(k). Most people think pre-tax contributions are an automatic win—but the tax bill eventually comes due. We walk through how RMDs, rollover mistakes, and poor documentation can trigger unexpected taxes, higher Medicare premiums, and even push more of your Social Security into the taxable column.I also share real-life examples of how a simple error—like a tax professional misreporting Form 8606 basis—can cost retirees thousands. This episode is all about avoiding land mines: understanding IRS rules, tracking your paperwork, and being proactive so you can keep more of what you’ve earned.(00:00:00) Introduction & Why 401(k)s Create Hidden Tax Traps (00:00:58) Pre-Tax Contributions & The Future Tax Bill (00:03:46) RMD Shock: How Distributions Raise Taxes & Medicare Premiums (00:06:16) The Rollover Minefield: After-Tax vs. Pre-Tax vs. Roth (00:07:38) Real Case Study: The Form 8606 Basis Error (00:12:39) The Widow’s Penalty & Timing Risks in Retirement (00:14:54) How to Avoid 401(k) Tax Traps NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode, I sit down with Mark Hedderman of Hedderman Financial Solutions in Ireland. We talk about how we met at the Future Proof Festival and what stood out about the culture there—real collaboration, transparency, and advisors actually helping each other grow.Mark shares the evolution of financial planning in Ireland and how the profession has shifted from product sales to real, client-centered advice. We discuss the importance of ongoing education, mentorship, and developing as both a professional and a person.We also get into what it means to be an advisor today—showing up for clients not just with numbers, but with empathy, support, and clarity through life’s major transitions.At the core of our conversation is the idea that success in this business isn’t about being the biggest or loudest—it’s about authenticity, meaningful relationships, and helping people live better lives.(00:00) Future Proof & First Impressions(02:00) Openness Over Competition (04:00) Mentorship & Collective Growth (06:00) Accessibility of Industry Leaders (09:30) Founding Hedderman Financial Solutions (12:45) CFP Standards & Raising the Bar in Ireland (16:00) Regulation: Ireland/EU vs. United States (20:30) Real-World Financial Planning (28:15) Human Connection, Media Noise & Mental Health (34:50) Legacy, Balance & Advice to Younger Advisors NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode, host Kevin Thompson and Certified Financial Planner Practitioner Joy Slabaugh dive into a holistic approach to retirement planning—one that goes far beyond the numbers.They explore the emotional, psychological, and social challenges many retirees face, including the loss of identity, isolation, and shifting purpose. Joy shares how nurturing relationships, staying engaged in the community, and creating purposeful routines can help individuals thrive in retirement.Together, Kevin and Joy challenge the traditional definition of “retirement readiness,” reminding listeners that true fulfillment in retirement isn’t just about financial security—it’s about connection, meaning, and living intentionally.Planning to Retirement vs. Planning for Retirement (00:02:09)Challenges Beyond Money: Emotional and Family Concerns (00:06:01).Warning Signs of Struggling with Retirement Transition (00:08:49)Evolutionary Perspective on Work, Community, and Well-being (00:10:53)Loss of Community & Impact on Well-being (00:12:34)Intentional Community Building in Retirement (00:15:48)Practical Advice: Relationship Inventory (00:21:31)Conclusion & Final Thoughts (00:22:49)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of "9innings Podcast," host Kevin Thompson, founder and CEO of 9i Capital Group, discusses the critical importance of emergency funds in today’s uncertain economy. He explains what an emergency fund is, why it matters, and recommends saving 9 to 12 months of expenses in liquid, low-risk accounts—challenging the traditional 3 to 6 months’ advice. Kevin emphasizes that a robust emergency fund provides financial stability, peace of mind, and flexibility during job loss or unexpected expenses, empowering listeners to make better decisions without fear or desperation.Why Emergency Funds Matter in Today’s Economy (00:00:59)The Emotional and Relationship Impact of Emergency Funds (00:03:26)How Much Should You Save? (00:05:39)Where to Keep Your Emergency Fund (00:06:58)Adjusting Financial Priorities to Build Your Fund (00:08:01)The Psychology of Financial Security (00:10:12)Call to Action: Assess and Build Your Emergency Fund (00:12:32)Closing Remarks and Final Advice (00:13:30)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9Innings Podcast, Kevin Thompson sits down with Andy Panko of Tenon Financial to reflect on their experiences at the Future Proof Festival — an innovative outdoor conference designed for the next generation of financial advisors.They dive into:The event’s unique format and open-air networking vibeThe collaborative, rising-tide culture of the RIA communityThe power of specializing in client niches and knowing your laneReal-world strategies for adopting technology without getting overwhelmedThe impact of mentorship, mastermind groups, and shared knowledgeWhy authenticity, intentional growth, and intentionality matter more than “hustle culture”Conference Participation & Value (00:02:17)Collaboration in the RIA Industry (00:04:09)Niching Strategies in Advisory Firms (00:06:39)Debate on the value of niching, how niches develop naturally, and different approaches to specialization.Technology in Advisory Practices (00:08:39)Tech Choices and Compliance (00:11:04)Mentorship and Community Support (00:16:15)Knowing Your Why & Defining Success (00:18:30)Cyclical Nature of Advisory Business (00:23:41)Intentionality and Running Your Own Race (00:29:10)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9innings Podcast, host Kevin Thompson, founder and CEO of 9i Capital Group, discusses six common mistakes people make with their 401(k) retirement plans. He covers misunderstandings about plan rules, improper rollover techniques, unnecessary fees, risk tolerance, financial advisor affiliations, and advisor compensation. Kevin offers practical tips to help listeners avoid costly errors and maximize their retirement savings.Mistake 1: Not Knowing 401(k) Rules (00:00:53)Mistake 2: Improper Rollover Techniques (00:04:18)Mistake 3: Paying More for Less Value (00:06:26)Mistake 4: Misunderstanding Risk Tolerance (00:07:27)Mistake 5: Influence of Financial Advisor Affiliations (00:10:33)Mistake 6: Understanding Advisor Compensation and Rollover Comparisons (00:13:33)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfpBuy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.comDisclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9Innings Podcast, I sit down with Ivana Delevska, founder and CIO of Spear Invest, to talk about the current state — and the future — of artificial intelligence.We dig into:The market fundamentals driving AI’s rapid riseThe U.S.–China tech rivalry and what it means for investorsEnergy and infrastructure challenges that could shape the next decadeThe growing role of government in AI development and oversightIvana shares why adaptability and continuous learning will be critical for young professionals and how AI will transform productivity across industries. She also highlights where the biggest investment opportunities lie as this new era unfolds.We wrap up on an optimistic note — that AI isn’t just about replacing jobs, but about creating new value, industries, and opportunities for those ready to evolve.AI Market Outlook vs. Dot-Com Bubble (00:01:10) China’s Role in AI Chip Manufacturing (00:03:17) Capacity and Investment Bottlenecks (00:06:33) Data Centers and Energy Costs (00:07:43) Consumer Benefits and Market Dynamics (00:08:34) Speculation, IPOs, and Market Risks (00:11:46) Government Intervention in AI Companies (00:14:05) Market Run-Up and Potential Downside (00:16:28) AI’s 5-10 Year Outlook (00:19:01) AI’s Impact on Jobs and Education (00:22:32) Siri, Alexa, and the Future of AI Assistants (00:25:12) Closing Thoughts and Optimism for AI (00:27:14) NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the "9innigns Podcast," Kevin Thompson, founder and CEO of 9i Capital Group, analyzes the Federal Reserve’s recent 25 basis point rate cut. He explains that while the cut aims to stimulate economic growth, its impact on consumers is minimal due to high borrowing costs and tight lending standards. Thompson highlights that the primary beneficiary is the U.S. government, which can refinance its debt more cheaply. He also clarifies that mortgage rates are unlikely to fall significantly, as they are driven by broader market forces rather than the Fed’s short-term rate adjustments.Limited Consumer Impact of Rate Cut (00:02:35)Government as Main Beneficiary (00:03:59)Mortgage Rates and Market Forces (00:05:05)Economic Contradictions and Realities (00:06:17)Fed’s Balancing Act and Overheating Risks (00:07:39)Summary and Sticky Inflation Warning (00:09:10)Closing Remarks and Call to Action (00:11:51)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode, Kevin Thompson, founder and CEO of 9i Capital Group, tackles five widespread tax myths popularized by social media influencers. He clarifies misconceptions about LLC tax benefits, the tax obligations of the wealthy, hiring children for tax savings, filing requirements for low-income earners, and reporting small amounts of income. Kevin emphasizes the importance of legitimate business practices, accurate income reporting, and always filing tax returns to maximize refunds and avoid IRS issues. He encourages listeners to seek reliable advice, subscribe to the podcast, and explore his book for further financial education.Myth 1: Starting an LLC for Tax Benefits (00:00:54) Myth 2: The Rich Don’t Pay Taxes (00:03:41) How the Ultra-Wealthy Reduce Taxes (00:06:03) Myth 3: Hiring Your Children for Tax Advantages (00:07:18) Myth 4: No Need to File Taxes Below Standard Deduction (00:09:37) Myth 5: Not Reporting Income Under $600 (00:10:57)Conclusion and Thoughts on “Advanced Tax Planning” (00:12:13) NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

On this episode of the 9Innings Podcast: Why does the stock market keep climbing while Main Street struggles with rising unemployment, sticky inflation, and frozen housing? In this episode, Kevin Thompson breaks down the disconnect between Wall Street and Main Street — and why investors and economists can look at the same economy but see two very different realities.✅ Topics we cover:The Federal Reserve’s dilemma: cutting rates vs. fighting inflationThe TINA Effect (There Is No Alternative) and why it keeps money flowing into stocksThe housing market freeze and why sub-4% mortgages lock people in placeWhy you should never fully trust financial TV punditsThe investor lens vs. the economist lensThe bottom line: Wall Street looks at tomorrow. Main Street lives in today. Understanding both is the key to navigating this market.🔔 Don’t forget to subscribe for more insights on markets, policy, and financial planning.(01:03) – The Market Disconnect: Stocks soar while Main Street struggles(02:28) – The Fed’s Dilemma: Inflation, unemployment, and rate cuts(03:40) – TINA Effect: Why “There Is No Alternative” keeps money in stocks(04:56) – Owning Assets: Staying ahead of inflation and stagnant wages(06:15) – Housing Freeze: Sub-4% mortgages and a locked-up market(07:54) – Unlocking Equity: Ways homeowners navigate today’s housing trap(10:31) – GDP Math: Capex growth vs. consumer weakness(12:03) – Two Lenses: Investor optimism vs. economist caution(13:24) – Key Takeaways: Understanding the disconnectNEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9Innings Podcast, host Kevin Thompson tackles the top five financial questions people are asking right now. From staying on track for retirement, to balancing debt and investing, making smart tax moves, rethinking life insurance, and deciding whether to hold cash or invest — Kevin delivers practical, insider perspective shaped by years of planning experience.You’ll get clear, actionable advice to cut through today’s uncertainty and build long-term security. The focus: personalized planning, disciplined investing, and knowing when to lean on professional guidance.Am I Still on Track for Retirement? (00:00:53)Should I Pay Off Debt or Keep Investing? (00:05:10)What is the Smartest Tax Move Right Now? (00:07:19)Do I Need Life Insurance or Am I Overpaying? (00:09:24)Is Now a Good Time to Invest or Hold More Cash? (00:11:58)Cash as a Safety Net and Peace of Mind (00:15:07)Summary and Closing Remarks (00:17:13)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9Innings Podcast, Kevin Thompson, Founder & CEO of 9i Capital Group, breaks down the enhanced senior deduction introduced by the Inflation Reduction Act and what it means for retirement planning.Kevin explains how this increased deduction for those 65 and older can meaningfully reduce taxable income and make Roth IRA conversions far more tax-efficient. Using real-world examples, he shows how retirees can capture significant tax savings—but only if they plan ahead.This episode emphasizes the importance of timely strategy and working with a trusted financial advisor to take advantage of opportunities while they last.👉 Don’t miss this breakdown of one of the most overlooked tax benefits for retirees.Explanation of the Enhanced Senior Deduction (00:01:56)Numerical Example: Pre- and Post-Enhanced Deduction (00:03:07)Impact on Roth Conversions and Tax Savings (00:04:21)Addressing Criticisms and 2024 vs. 2025 Numbers (00:08:10)Temporary Nature and Planning Window (00:09:17)Key Takeaways and Action Steps (00:10:23)Closing Remarks and Contact Information (00:11:28)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the 9Innings Podcast, host Kevin Thompson sits down with Matt Jarvis to discuss what it really means to deliver massive value to clients.Matt shares his journey of building a thriving practice and breaks down the strategies that helped him stand out, including the creation of “value ads,” intentional client engagement, and the power of transparent communication.Together, Kevin and Matt explore:How to overcome “fake busyness” and focus on what mattersThe role of authenticity in building trust and content creationWhy niche audiences drive deeper impact and growthThe persistence and intentionality required for sustainable successThis conversation is packed with practical insights for advisors who want to scale with purpose, empathy, and consistent execution.Defining "Delivering Massive Value" (00:03:25))Fake Busyness and "Playing Office" (00:06:20)Balancing Growth and Client Service (00:11:59)Time Blocking and Surge Meetings (00:13:17)Content, Persona, and Building Authority (00:17:27)Consistency and Social Media Comparison (00:20:10)Chasing Numbers vs. Meaningful Growth (00:23:07)Advice for Advisors: Walk the Talk (00:25:51)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure