Planned Solutions

Planned Solutions is an Independent Financial Planning Firm - looking out for our client's best interests. With over 30 years in the financial planning business, we at Planned Solutions will help guide you to a secure financial future. At Planned Solutions, a CERTIFIED FINANCIAL PLANNER™ professional will sit down with you, review your current situation and work with you to develop an individualized financial plan and implement an asset management strategy. We are very familiar with the range of options available today – investment opportunities, savings, pension plans and insurance products – and will help you identify which choices are best suited for both you and your family’s goals.Financial planning, retirement planning, investment management, estate planning, insurance analysis, and tax planning and preparation are our specialties. Please give us a call for a complimentary initial consultation, where we will discuss your goals and help design a plan of action.

Planned Solutions is a business podcast hosted by Unknown Host, with 112 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Planned Solutions, a business show with 112 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Planned Solutions

  Choosing between an S-Corp and a C-Corp, The Growing Cost of Health Care in Retirement & Should You Borrow from Your 401(k)?

  Aug 13, 202629 min

  This episode of the Planned Solutions Incorporated podcast breaks down the essential differences between S-Corp vs C-Corp business entities. If you are a business owner or planning your tax strategy, understanding these classifications helps clarify your liability and tax obligations. We also examine the rising healthcare costs retirement planning requires, providing a realistic look at how to prepare for these future expenses. Additionally, we discuss the financial implications of borrowing from 401k accounts. While accessing retirement funds can seem like a viable short-term fix, we analyze why this strategy often carries long-term consequences for your nest egg. This session is designed for professionals and retirees looking for actionable insights on managing their assets effectively. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -We are now taking registrations for our annual charity golf tournament. The deadline to register is Monday, September 28th, 2026. Giveaways for the tournament are being delivered daily, and we are gathering donations for the silent auction. We hope you will be able to attend (either golf or the reception) or donate to a cancer charity to support our efforts. The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament Date: Friday, October 9th, 2026Location: Rancho Murieta Country Club – North Course 7000 Alameda DriveRancho Murieta, CA 95683 Time: 1:00pm shotgun start, 5:30pm reception All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the reception. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

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  Planned Solutions

  529 vs UTMA vs Trump Accounts | Which Saves Your Kids More Money?

  Jul 30, 202630 min

  In this episode of the Planned Solutions Podcast, we compare 529 plans, UTM, and Trump accounts family savings options to choose the right financial path for your household goals.This guide breaks down how different savings vehicles function to help you decide which account fits your long-term financial strategy. Whether you are prioritizing education funding or general wealth building, understanding the nuances of a 529 plan versus a custodial account is essential for effective family financial planning. We analyze these options so you can manage your assets with greater clarity.Gifting appreciated stock can provide tax benefits compared to giving cash. Instead of selling shares and paying taxes, you transfer the stock and the recipient inherits your cost basis, paying taxes only when they sell. This can be beneficial if the recipient is in a lower tax bracket. However, inherited stock receives a step-up in basis, erasing any capital gains.We examine the strategic petroleum reserve and how its current status impacts energy prices and inflation. Understanding the connection between national energy policy and your personal budget is vital for navigating current economic trends. By comparing these investment accounts and monitoring broader market risks, you gain a clearer picture of how to protect your family's purchasing power. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -It was Katie Dunnam’s birthday on Friday! We celebrated by ordering sandwiches from a local Sandwich Shop called Capriotti’s.On Sunday, Spain beat Argentina 1–0 in the final of an exciting World Cup tournament that brought fans together from around the world! To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

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  Planned Solutions

  Restricted Stock Vesting, Understanding Legacy Gifting Options & Gift Splitting

  Jul 16, 202629 min

  In this episode of the Planned Solutions Podcast, when making investments in taxable accounts, People tend to mishandle equity comp by treating Restricted Stock Units (RSUs) like a stock pick instead of compensation. When RSUs vest, they’re taxed as ordinary income. It’s like receiving a cash bonus and then automatically buying your company’s shares. Paying the tax doesn’t justify holding the stock. A large position in employer stock is risky because your job and the stock can fall at the same time. Instead, consider selling enough to meet your cash needs, cover taxes, limit concentration, and diversify. Legacy giving allows individuals to support charities while receiving financial and tax benefits. Common options include charitable gift annuities, which provide fixed lifetime income; charitable remainder trusts, which pay income before remaining assets go to charity; and charitable lead trusts, which benefit charities first before passing assets to heirs. Each strategy offers different advantages depending on a donor's income needs, tax goals, estate planning objectives, and charitable intentions. Current IRS law allows an individual to give another individual up to $19,000 per year without having to file a gift tax return. However, gift splitting allows a married couple to increase this amount to double the annual limit ($38,000 in total) because both spouses may be treated as giving their $19,000 annual exclusion to each gift recipient. In addition, these gifts of up to $38,000 may be given to multiple recipients without needing to file a gift tax return. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -It has been brought to our attention that after signing a document through DocuSign, you may be prompted to create a DocuSign account for a fee. Creating a DocuSign account is not required to complete your transaction with Planned Solutions. To avoid any unexpected charges, select the option to decline account creation or close the account registration prompt after you have completed the signing process. Do not provide any payment information. If you have any questions about the signing process or receive a message you are unsure about, don't hesitate to get in touch with our office. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

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  Planned Solutions

  The Tax Tail and the Investment Dog, Charles Schwab Expands into Prediction Markets, and Fixed Indexed Annuities

  Jul 2, 202626 min

  In this episode of the Planned Solutions Podcast, when making investments in taxable accounts, there is a balance that must be struck between investment strategy and tax efficiency. Unfortunately, these decisions are often out of balance with tax efficiency, given too much weight, which can negatively impact investment results. Therefore, many investors would actually benefit from paying more in tax in order to implement their investment strategy more efficiently, thus trading short-term tax costs for long-term investment benefits. Charles Schwab's entry into prediction markets reflects growing investor interest in alternative ways to express views on future events. In addition, it highlights the increasing connection between traditional financial markets and emerging market structures. However, these markets are largely untested and may be subject to manipulation. So, while they offer increased flexibility, they can also result in large losses. Fixed Income Annuities are complex financial products that often do not generate the long-term rate of returns that investors expect. This is because these policies use complex formulas to determine the contract’s rate of return. These formulas include a participation rate, which limits the rate of return that a contract may earn when the underlying index is performing well. Often, these caps on return have a larger-than-expected impact on the overall rate of return over time. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board -Planned Solutions will be closed on Friday, July 3rd for the Fourth of July Holiday. Happy 250thbirthday, America! To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

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  Planned Solutions

  Business Margins Get Squeezed, Senior Loan Officer Survey & Motor Vehicle Sales Remain Strong

  Jun 18, 202625 min

  In this episode of the Planned Solutions Podcast, the recent increase in consumer prices has made headlines, but the larger increase in producer prices has largely been ignored. When producer prices increase faster than consumer prices, it puts downward pressure on business profitability. This could negatively impact business earnings reports, as it has in past similar periods, or it could lead to businesses passing on more of the commodity price inflation they are currently experiencing if they get to the point where they cannot eat the lion's share of the higher prices. A healthy economy requires access to credit for businesses that seek to expand and hire, and for consumers who may leverage future earnings to make large purchases now. Therefore, the health of the lending markets, as gauged by the Senior Loan Officer Survey, can offer some insight into the health of the economy and future trends that may improve or diminish the pace of economic growth. Two major industries in the US can be bellwethers of the pace of economic growth: the home-building industry and the motor vehicle industry. Currently, the motor vehicle is posting good results with the total value of motor vehicles and parts shipments up 9.5% year-over-year, reaching a record of over $73 billion a month. Despite high interest rates and increasing inflationary pressures, these good results may signal that the US consumer remains resilient. Plus, a look at the Planned Solutions Incorporated Office Bulletin Board - Planned Solutions had another two-day business development session with our business consultant, Lori Frasier. In an effort to grow smarter and to maintain the cultural aspects that have made us unique while continuing to add new people and scale, we have engaged Lori to make sure we are being intentional in the decisions that we make. The two-day session included a morning with Chase to review a Leadership Circle assessment (similar to a 360 leadership assessment) and discuss gaps in leadership skills as well as areas of strength that can be capitalized on. This was followed by an afternoon session with the Planned Solutions Leadership Team (Chase, Daryl, Joel, Shannon, and Katie) to review the progress thus far on key initiatives and how it can be communicated more effectively, and how to find efficiencies through scale rather than just growth. Finally, the second day involved the whole office and focused on naming and continuing Planned Solutions Core Values and how these values can be protected while still making room for growth and change. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast), please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠ ⁠⁠ ⁠ Planned Solutions, Inc.ADDRESS: 1130 Iron Point Road, Suite 170, Folsom, CA 95630 PHONE: ⁠(916) 361-0100⁠ or ⁠(800) 750-2111⁠E-MAIL: ⁠⁠Shannon@PlannedSolutions.co⁠m⁠ FAX: (916) 361-0191WEBSITE:⁠www.PlannedSolutions.com

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