CFP Professional Archie Hoxton and financial advisor Jimmy Sutch dive into the strategy of “giving while living”—sharing your wealth with loved ones or charities during your lifetime instead of waiting until after you’ve passed.

They break down:
✅ The emotional fulfillment of seeing your generosity impact children, grandchildren, and causes you care about.
✅ How giving early can reduce family conflict later.
✅ Key financial benefits: annual gift exclusions, tax advantages of gifting appreciated assets, and smart charitable tools like donor-advised funds and qualified charitable distributions (QCDs).
✅ Pitfalls and important considerations before making major gifts.

If you’re thinking about your legacy, estate planning, or charitable giving, this is a must-listen conversation.

🎧 Tune in to learn how to give smarter, maximize impact, and build meaning into your financial plan.

Get their book! - Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/Gg1O2imkVOU

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Don’t miss their free Investment Alignment Worksheet to help you take the next step - https://hoxtonpm.com/worksheets/investment-alignment-worksheet/

CFP Professionals Rob and Archie Hoxton break down the fundamentals of building a strong investment portfolio. From stocks and bonds to money markets, and even a quick look at real estate, they explain the building blocks every investor should understand for long-term financial security.

Answering subscriber questions, Archie and Rob cover:
- The differences between stocks and bonds
- How diversification strengthens your portfolio
- U.S. vs. international allocations
- Credit ratings, bond duration, and more

Whether you’re just starting out or looking to fine-tune your strategy, you’ll get clear, practical education to help you invest with confidence.

Get their book! - Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/0z_pSJ0xJX4

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of The Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton unpack the realities of bear markets and how your response should shift depending on your stage of life.

Whether you’re just starting your career, halfway to retirement, or already enjoying your golden years, Rob and Archie break down:
- How market downturns affect your investments and financial plan
- Why younger investors can see bear markets as rare buying opportunities
- Smart strategies for pre-retirees: boosting cash reserves, funding emergencies, and building a scalable lifestyle
- The importance of a strong financial plan to avoid emotional, knee-jerk reactions

With practical advice, free tools, and decades of expertise, this episode will help you retire—and stay retired—no matter what the market brings.

Wondering how you will deal with the next market? Get our Investment Alignment Worksheet - https://hoxtonpm.com/worksheets/investment-alignment-worksheet/

Get their book! - Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/avieigvyu6g

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Should you downsize in retirement?

In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dive into the ins and outs of downsizing as part of your retirement strategy. With many retirees considering smaller homes or moving closer to family, this episode tackles the financial and emotional aspects of making such a significant life change.

Rob and Archie break down common mistakes to avoid, like rushing into a purchase before consulting your financial planner or underestimating the tax implications when selling and buying properties. They discuss smart ways to bridge the gap between selling your current home and buying your next, including home equity lines of credit and securities-backed lines of credit. They offer practical tips on choosing a future-friendly home and navigating retirement communities.

Get the Estate Planning Worksheet: https://hoxtonpm.com/worksheets/estate-planning-checklist/

Subscribe for more weekly insights to help you retire—and stay retired—on your own terms!

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/2mAe3YhAld0

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this week's episode of Last Paycheck Podcast, CFP Professional Rob Hoxton and Financial Advisor Jimmy Sutch dive into the essentials of estate planning—a topic that can feel overwhelming, but is crucial for everyone, not just the wealthy.

Rob and Jimmy break down the three key documents you need:
- a will
- a healthcare directive
- a power of attorney

They explain why simply having these documents—no matter how basic—can save your loved ones from confusion and legal battles. They share real-life examples about the pitfalls families face when estate plans are neglected, emphasizing the peace of mind proper planning brings.

Whether you’re just starting or nearing retirement, this episode is packed with practical advice to help you protect your wishes and your family’s future.

Get the Estate Planning Worksheet: https://hoxtonpm.com/worksheets/estate-planning-checklist/

Subscribe for more weekly insights to help you retire—and stay retired—on your own terms!

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/mu4uvO2Xp1w

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This week on the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dig into a big question: Should Your Political Views Influence Your Investment Decisions?

They break down how emotions and political beliefs can cloud judgment, why short-term political events often create more noise than impact, and what really drives long-term market performance.

Rob and Archie explain why economic fundamentals, not election results, are what matter most for investors. They share practical strategies for staying disciplined, from asset allocation and diversification to rebalancing and sticking to your financial plan through election cycles and market volatility.

If you’ve ever wondered how politics and investing intersect, or how to keep your portfolio on track no matter who’s in office, this episode gives you the tools and mindset to stay focused on long-term success.

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/AZK6LI_4pgg

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Are financial “rules of thumb” the key to building wealth—or could they actually steer you off course? In this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dig into some of the most popular money guidelines:
- Save 10% of your income
- The 4% retirement withdrawal rule
- The 80% replacement rule for retirement income

Rob and Archie explain where these financial shortcuts can provide clarity, especially for beginners, and when they might fall short as your money situation becomes more complex. They highlight the dangers of making emotional financial decisions, the importance of personalized financial planning, and why one-size-fits-all advice rarely works in real life.

Plus, discover practical tools on the Last Paycheck website to help you create a plan that goes beyond the basics.

🎧 If you’ve ever wondered whether financial “rules of thumb” really work, this episode will give you the context you need to make smarter money moves.

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/TpmAX2MquFA

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

The landmark “One Big Beautiful Bill” continues to shake up the financial world — and in this part 2, we continue the conversation.

Join CFP Professional Archie Hoxton and Financial Advisor Emily Leslie on the Last Paycheck Podcast as they explore the latest wave of tax law changes and what they mean for your money — especially if you're planning for retirement or already living it.

🔍 What’s inside this episode:
✅ 2017 Tax Cuts extension — who benefits now
✅ Overtime deductions that could save you big
✅ Social Security tax myths — busted
✅ Bigger breaks for seniors
✅ Major shifts to SALT (State and Local Tax) deductions
✅ New charitable giving incentives
✅ Updates to estate tax rules

Whether you're planning ahead, mid-career, or managing retirement income, this episode delivers clear, practical advice to help you navigate the evolving tax code with confidence.

Watch part 1 here → https://youtu.be/hcxD-_WnJuk

Get their book!
Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com

Watch on YouTube: https://youtu.be/lCKtx7J9HbE

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it’s excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.