This episode on YouTube: https://youtu.be/4bmL8UyANUU

Have you ever just finished watching a reel/short/tiktok where a finance bro is trying to convince you you shouldn't ever just own your home?

Well, Rob and Archie have, and today we are discussing two of those. This type of content is alive and well online, and tends to attract a lot of followers due to the punchy, controversial takes, and convincing delivery. But you have to ask yourself, is your home an investment, or a shelter and a place to be with your family?

Renting is a viable choice, especially if you never want to settle down in one location, and real estate investment has its place in your portfolio. Still, if you're looking to settle down with your family, build your life, and create long-term memories, Rob and Archie have a different opinion. Owning your home can contribute to a stress-free life, and never underestimate the feeling of being debt-free.

And when watching viral videos online, consider if this type of advice is tailored to your life, your future, and your well-being.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

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/

This episode on YouTube: https://youtu.be/Ao6AMW4cX40

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.

Does your financial planner also have to be a fiduciary?

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and financial advisor Jimmy Such break down one of the most important topics in personal finance: finding a fiduciary financial advisor. They start by defining it, and then explaining why working with someone held to a fiduciary standard matters for your long-term financial wellbeing.

Archie and Jimmy explore tricky topics like conflicts of interest, commission-based vs. fee-only compensation, and the differences between the fiduciary and suitability standards.

If you're looking for a financial advisor, this is key basic knowledge that can make or break your financial future.

Watch this episode on YouTube: https://youtu.be/j_0JSQceU3w

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

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/

This episode on YouTube: https://youtu.be/Ao6AMW4cX40

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.

Did you revenge spend during the COVID pandemic and now you're revenge saving? Revenge saving isn't necessarily that much healthier for your finances. Today, we chat about it.

CFP Professionals Archie Hoxton and Rob Hoxton dive into the ideas of "revenge spending" and "revenge saving"—two financial behaviors that surged in popularity after COVID-19 lockdowns.

They explore how these emotional swings can disrupt your financial well-being, drawing parallels to common dieting habits. Archie and Rob break down the psychology behind these trends, share real-life examples, and offer practical strategies to maintain balance in your financial life. Whether you're feeling the urge to splurge or tighten up your budget, you'll find actionable tips like rebuilding your emergency fund, tackling debt, and setting up a "joy fund" for guilt-free spending.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

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/

This episode on YouTube: https://youtu.be/Ao6AMW4cX40

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.

When do you start spending in retirement? And more importantly, how do you even begin?

Many retirees face an unexpected challenge: shifting from being a meticulous saver to being a confident spender. On today's episode, CFP Professionals Rob Hoxton and Archie Hoxton discuss exactly how they can help you do just that.

They explore why making the transition can feel so daunting, discussing habits formed over a lifetime, fears about market volatility, and the lingering anxiety of running out of money, even when sound planning shows otherwise.

Rob and Archie offer practical advice for adjusting your mindset, building financial confidence, and understanding the real purpose behind all those years of saving.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

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/

This episode on YouTube: https://youtu.be/t-XDxw5wOZg

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 Archie Hoxton and Rob Hoxton break down the latest updates on Social Security's cost-of-living adjustment (COLA) and what it means for retirees.

They explore how the COLA is calculated, why the numbers might surprise you, and how rising Medicare premiums and taxes can take a big bite out of those increases. Additionally, there could be a danger of becoming subject to taxes since the floor at which you become subject to the taxes has not been increased along with the benefit amount.

The conversation highlights the interplay between Social Security benefits, taxable thresholds, and Medicare surcharges, sharing practical strategies for navigating these changes. Whether you're currently receiving Social Security or still working, you'll get timely insights into upcoming income caps, FICA taxes, and the importance of smart financial planning.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

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/

Watch this episode on YouTube: https://youtu.be/FsF72Ovn-fU

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.

Doesn't it always seem people move when they retire? It's not required, but it can be quite beneficial.

In this episode of the Last Paycheck, CFP Professionals Rob Hoxton and Archie Hoxton explore what role your choice of state plays in shaping your retirement lifestyle. (This episode is about retiring in the USA, if you need an episode about retiring internationally, leave a comment below).

With a focus on taxes, including state income, property, sales, and Social Security taxes, they break down how moving to different states can dramatically affect your retirement finances. The hosts discuss examples like the low property taxes in Alabama versus the high ones in New Jersey, changes to Social Security taxation in states like West Virginia, and highlight states with no income tax or unique benefits for retirees.

They also cover the importance of understanding inheritance and estate taxes, and share practical strategies for maximizing your retirement income by making smart location choices. If you're approaching retirement and thinking about relocating, this episode offers essential guidance to ensure your nest egg goes further.

🎧 Listen now and get your free Year-End Tax Planning Calendar at https://hoxtonpm.com/worksheets/tax-strategy-planning-calendar/

Whether you want to reduce your tax bill, optimize your retirement plan, or simply plan smarter, this episode is packed with actionable advice and free tools to help you save time, money, and stress.

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/Us6eHI1mDfk

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 Hoxton and Archie Hoxton tackle a major financial problem: forgotten 401(k) accounts. 🚨

💡 Did you know there are over 32 million lost 401(k)s worth nearly $2 trillion in unclaimed retirement savings? Rob and Archie explain why so many people leave old accounts behind, the hidden costs of doing nothing, and how you can track them down before it’s too late.

In this episode, you’ll learn:
✅ Why 401(k)s get “lost” when you change jobs
✅ How to find old retirement accounts using federal databases
✅ Smart record-keeping and tracking tips
✅ The risks of ignoring old accounts
✅ Simple steps to reclaim your money and protect your retirement future

If you’ve ever switched jobs or think you might have a forgotten account out there, this episode is a must-listen. Rob and Archie share expert insights, actionable advice, and a few laughs along the way to help you make the most of every dollar you’ve earned.

🎧 Tune in now and secure your retirement savings!

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/6AxNqwrIGrA

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.

As the year winds down, CFP Professionals Rob Hoxton and Archie Hoxton share essential year-end tax planning strategies to help you finish strong financially. 💰

In this episode of The Last Paycheck Podcast, Rob and Archie break down everything you need to know before December 31:
- Required Minimum Distributions (RMDs)
- Roth Conversions & Retirement Contributions
- Capital Gains & Loss Harvesting
- Smart Charitable Giving (DAFs & QCDs)
- Maximizing FSAs & HSAs
- Checking Your Beneficiary Designations

🎧 Listen now and get your free Year-End Tax Planning Calendar at https://hoxtonpm.com/worksheets/tax-strategy-planning-calendar/

Whether you want to reduce your tax bill, optimize your retirement plan, or simply plan smarter, this episode is packed with actionable advice and free tools to help you save time, money, and stress.

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/wU3Ni4n1Gwg

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.