Money & Taxes from Bb to XYZ

We're Insuring What, Now?

In this episode of Money and Taxes from BB to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, focus on three key types of personal insurance protection: life, disability, and long-term care insurance. They explain how each type of coverage fits into a broader financial plan, when different policies may make sense, and why insurance should be used intentionally. The conversation covers term versus permanent life insurance, income protection through disability insurance, and the growing costs and evolving strategies surrounding long-term care coverage, including hybrid life-and-long-term-care policies. Jason and Regina also emphasize tailoring insurance coverage to your stage of life, financial goals, and family needs, rather than buying coverage simply because it's available. TAKEAWAYS * Disability insurance, or “income insurance,” is often the first coverage to prioritize among these three because protecting your ability to earn income is critical during your working years. * Life insurance should be tied to a specific financial need, such as income replacement, debt payoff, estate liquidity, or legacy planning, rather than purchased without a clear purpose. * Long-term care planning may involve a combination of insurance, personal assets, and home equity. Hybrid life-and-long-term-care policies can provide flexibility if long-term care is never needed. HAVE A TAX QUESTION FOR THE SHOW? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. DISCLOSURES Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo

Property, Sure, but What in the Heck is Casualty?

In this episode of Money and Taxes from BB to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, go back to basics on property and casualty insurance: what it covers, why it matters, and how it fits into a broader financial plan. They explain the difference between property and liability protection, common policies like homeowners or renters, auto, and umbrella insurance. The conversation highlights how deductibles, premiums, emergency savings, and coverage limits all work together, and why your Emergency and Future Opportunities Fund (EFOF) should be strong enough to cover deductibles when claims arise. Regina and Jason also flag common insurance gaps, including too little umbrella coverage, low auto liability limits, missing uninsured/underinsured motorist coverage, and insufficient dwelling coverage on a home. TAKEAWAYS * Property and casualty insurance protects both your stuff and your liability if you cause financial harm to someone else. * Your EFOF should be large enough to cover deductibles so you can choose higher deductibles and potentially lower premiums. * Review coverage regularly for gaps in umbrella, auto liability, uninsured/underinsured motorist, and dwelling coverage. HAVE A TAX QUESTION FOR THE SHOW? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. DISCLOSURES Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo

What To Ask Your Financial Planner

In this episode of Money and Taxes from BB to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, walk through the key questions to ask when choosing or re-evaluating a financial planning professional. They explain why titles, designations, and services can vary widely across the industry. They also review why it’s important to understand a planner’s qualifications, fiduciary status, planning scope, typical clients, fee structure, and investment philosophy. The conversation highlights potential conflicts of interest, the difference between advice and product sales, and how to check for disciplinary history using public regulatory tools. Whether you’re hiring a planner for the first time or revisiting an existing relationship, this episode helps listeners gain clarity and confidence in who they trust with their financial lives. TAKEAWAYS * Ask whether a planner is a fiduciary at all times, not just in certain parts of the relationship. * Make sure their services, fees, client experience, and investment philosophy align with your needs. * Use public tools like FINRA BrokerCheck or the SEC’s advisor database to look for potential red flags. HAVE A TAX QUESTION FOR THE SHOW? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. DISCLOSURES Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo

Your Digital Safe Deposit Box

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, explore the idea of a digital safe deposit box: a secure, organized system for storing important personal, financial, and estate-related information in digital form. They explain the difference between physical originals that still need to be protected offline and the digital copies that can make life much easier for you and your loved ones. The conversation covers what to include, where to store it, and how tools like password managers, cloud storage, and legacy contact features can help create a practical system. They also emphasize that building a digital safe deposit box does not have to happen all at once; starting small and improving it over time can still make a meaningful difference for your own organization and for anyone who may need to step in on your behalf later. TAKEAWAYS * A digital safe deposit box can help organize important documents, passwords, and account access details in one secure system. * Start simple: begin with basics like copies of your ID, Social Security card, estate documents, and recent tax return, then build from there over time. * A well-organized digital system can make things much easier for loved ones or decision-makers during emergencies, incapacity, or estate administration. HAVE A TAX QUESTION FOR THE SHOW? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. DISCLOSURES Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo

Estate Planning Basics

In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, walk through estate planning from a financial planning standpoint. It's important to note that neither Jason nor Regina is an attorney, and the information provided in this episode is not legal advice. They explain why it's crucial to work with a licensed attorney to create and update estate planning documents and touch on why so many people delay this important task. Jason and Regina also discuss the emotional and financial barriers that can make estate planning feel intimidating, while emphasizing that having something current in place is far better than having nothing at all. The conversation covers the core documents that make up a basic estate plan — including a will, financial power of attorney, health care power of attorney, and living will — along with the role of trusts and why those decisions often require legal guidance. Regina and Jason also highlight the importance of coordinating beneficiary designations and account titling with your estate plan so your executor can carry out your wishes as you intended. TAKEAWAYS * A basic estate plan usually includes a will, financial power of attorney, health care power of attorney, and living will. * Something is better than nothing. Even a simple, updated set of documents can be far more helpful than outdated or missing estate documents. * Don’t overlook beneficiary designations, since they can override what is written in your will. HAVE A TAX QUESTION FOR THE SHOW? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. DISCLOSURES Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice. © 2026 FPFoCo