The Financial Flow

Short-form podcast about critical financial planning topics, primarily for the self-employed, but applicable to nearly anyone wanting to be better informed about financial planning, and the ways to be better prepared for retirement. Topics ranging from basic financial education to more complex retirement and financial planning topics, including cash flow, tax planning, risk management and portfolio management. You can learn more about Phillip Smith, CRPC AIF (Financial Planner), Tidepool Wealth Strategies, and how we serve our valued clients at: https://www.tidepoolwealth.com/ or by connecting with Phillip on LinkedIn at https://www.linkedin.com/in/tidepoolwealth/ ############################## //Disclosures:// This podcast is intended for educational purposes only and should not be used for any other purpose. The views depicted in this material should not be considered specific advice or recommendations for any individual, are not intended to be f

The Financial Flow is a education podcast hosted by Tidepool Wealth Strategies, with 24 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.

Tidepool Wealth Strategies hosts The Financial Flow, a education show with 24 episodes published.

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  Episode #35

  Is the ACA Subsidy Going Away?

  Jan 5, 20269 minS0

  <p>If you’re about to retire (or already retired) and relying on the Affordable Care Act for health insurance, you’ve probably seen the headlines: “The ACA subsidy is going away.” In this episode of The Perfect Retirement Plan?, Phillip Smith cuts through the noise and explains what is actually changing in 2026, what is not changing, and why this matters so much for retirement planning between ages 62 and 65.</p><p>You’ll learn the difference between the original ACA premium tax credit and the temporary enhanced subsidy created during the pandemic. We break down how the American Rescue Plan and Inflat...

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  Episode #24

  Data-Driven Business Growth is the Key to Long-Term Success

  Dec 30, 20248 minS0

  <p>In what will be the final episode of The Financial Flow, I reflect on how important data analysis can be to business decisions, especially as it relates business growth and determining your ideal client/target marketing audience.<br/><br/>Using TWS as an example, I discuss how paying attention to the data has resulted in a shift of focus, orienting us toward an ideal client that has commonly felt like a natural fit, but through data has been confirmed as an area (niche) we should put more emphasis on.<br/><br/>For those of you nearing retirement, tune in...

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  Episode #23

  The Retirement Planning Disaster Most Self-Employed Professional Face

  Dec 23, 20249 minS0

  <p>Stop me if you’ve heard this one before: a small business owner dedicates decades of their life to building a business that is stable, provides for their family, and is a meaningful part of the local community. They invest their time and earnings into creating a valuable business. And the business thrives on relationships. When it comes time to cash in, sell the business, and retire on the money generated from the sale, the business owner discovers that nobody wants to pay asking price, because the thing of greatest value to that business is the human capital – the busi...

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  Episode #22

  Social Security Strategies for Self-Employed Retirees

  Dec 16, 20248 minS0

  <p>In this episode, we wade a little further into the topic of Social Security, and look at the different claiming strategies available. We also look at why/how delaying longer could be financial beneficial, and cover a real life example of the impact that claiming early (or delaying) can have on a retirees income.</p><p>Thanks for tuning in to Financial Flow, brought to you by Tidepool Wealth Strategies. Until next time, stay resilient – and plan to retire well!<br/><br/>Tidepool Wealth Strategies website<br/>Phillip Smith, CRPC AIF LinkedIn</p>

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  Episode #21

  When Should I Start Taking Social Security?

  Dec 9, 20247 minS0

  <p>In this episode, we tackle an important retirement planning question for the self-employed: when should you start drawing Social Security? It's a decision that can have a lifetime impact of hundreds of thousands of dollars, so you want to be thoughtful about it. We cover timing, a discussion of Full Retirement Age (FRA), longevity, the impact of taxes on Social Security, and some common strategies for thinking through the timing of this critical benefit.</p><p>Thanks for tuning in to Financial Flow, brought to you by Tidepool Wealth Strategies. Until next time, stay resilient – and plan to retire we...

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