Ken Himmler on Why Your IRA Has a Tax Lien on It, the Silent Campaign Against Roth Conversions

Ken Himmler on Why Your IRA Has a Tax Lien on It, the Silent Campaign Against Roth Conversions

What happens when someone who built one of the country's first home inspection companies in the 1980s, flipped over 70 real estate deals, spent nine years in boot camp under a mentor with a photographic memory who taught him everything from tax planning to financial structuring, sold his first firm to a private equity fund in 2014, and now co-leads a practice with $840 million under advisement decides that the most important thing he can do with four decades of knowledge is make sure business owners and physicians stop handing over to the IRS money they were never required to give? In this episode of the Trustcast Show, Zane Myers speaks with Ken Himmler, co-founder of One Wealth Map, about the silent campaign that major financial institutions run against Roth conversions — not because Roth conversions are bad for clients, but because when a client converts a million-dollar IRA and pays 25% in taxes, the advisor's fee base just dropped by $250,000 — and why the online Roth calculators at Schwab, Fidelity, and Vanguard are built with a fundamental flaw that will give you the wrong answer every time. Ken explains why your IRA is not worth what it says on the statement because there is a tax lien on it, what a 664 trust did for a client with charitable intent that allowed him to convert a million-dollar IRA completely tax free, and why running a Roth analysis for just husband and wife misses two of the three scenarios that actually matter — what happens when the first spouse dies and files single, and what happens when the kids inherit an IRA under Secure Act 2.0 and face a ten-year distribution window that can push them into a 65% combined federal and state bracket. They also discuss why the C Corp is systematically ignored by CPAs despite never having produced double taxation in 42 years of use when structured correctly, why Apple sits on $900 billion in retained earnings without paying the 20% surcharge that CPAs warn about, why most business owners are working with the equivalent of a little league coach when they need a pro-level team, what multi-tiered structuring actually looks like and why it requires both a C Corp and an S Corp working together, how the Monte Carlo simulation that every major financial institution relies on is programmed with a conflict of interest baked in to keep you spending less and leaving assets under management longer, and what Fitnomic — launching in late 2026 — is designed to do that Mint, Monarch Money, and every other financial aggregator has failed to accomplish. Ken Himmler is the co-founder of One Wealth Map, a financial planning and tax strategy firm with $840 million under advisement, serving business owners, physicians, and high-income professionals nationwide. Connect with Ken Himmler: onewealthmap.com One Wealth Map — contact form for Fitnomic AFM waitlist Chapters 00:00 Introduction to Ken Himmler 00:42 The Rothinator — why major financial institutions run a silent campaign against Roth conversions 01:30 The fee math — why an advisor loses 25% of their fee base the moment a client converts 02:30 The IRA as a house with a mortgage — why you don't actually own the number on your statement 03:13 The 664 charitable trust that allowed a million-dollar IRA conversion at zero tax 04:08 Why does converting a Roth mean losing assets under management for the advisor 05:29 Devil's advocate — when does a Roth actually not make sense and who are the 30% 06:31 The financial propaganda campaign — why money stays in IRAs 79% longer than anywhere else 07:41 A profitable business owner who never has any money — what is actually going wrong 08:45 My CPA files my return and says I'm fine — why that is not enough 09:30 Tax planning versus tax preparation — what Joe the CPA told Ken about his monthly process 10:41 The biggest expense of your life is not your house — it is income tax 11:01 Structure first — why the S Corp default is costing business owners 13% in FICA taxes 12:15 The C Corp objection — double taxation and retained earnings — and why both are wrong 13:30 Apple's $900 billion in retained earnings and the annual projection that prevents the 20% surcharge 14:30 Multi-tiered structuring — C Corp holding company plus S Corp operating company 15:15 KPIs, measurement, and Peter Drucker — the second problem after structure 15:45 Upgrading your coaching as your revenue grows — little league to the pros 16:40 The $10 million business still using the same CPA from day one — what they are missing 17:03 What the first meeting with a new client actually looks like — culture fit before financials 18:00 The cost benefit analysis — charging $25,000 to save $100,000 as the basis for a relationship 18:58 The Rothinator versus a standard Roth calculator — why the online tools give you the wrong answer #KenHimmler #OneWealthMap #TrustcastShow #RothConversion #Rothinator #TaxPlanning #BusinessOwnerTaxStrategy #PhysicianFinancialPlanning #Fitnomic #TaxFreeRetirement

Juli Porto on Why Error Preservation Can Kill an Appeal Before It Starts,

What happens when an Army brat who moved every three years, played soccer for the Black Knights at West Point, met her husband while they were both JAG attorneys at Guantanamo Bay, clerked for a Virginia Court of Appeals judge, and then built a practice that sits at the exact intersection of personal injury trial work and appellate law — where being a better trial attorney makes you a better appellate attorney and being a better appellate attorney makes you a better trial attorney? In this episode of the Trustcast Show, Zane Myers speaks with Juli Porto, appellate and personal injury attorney at Blankingship and Keith, about the single most common reason appeals fail before they even start — error was never properly preserved at trial — and why an objection that is timely but makes the wrong argument is just as fatal as no objection at all because you have to give the judge the specific opportunity to correct themselves before the appellate court will review it. Juli explains why she has to ask every trial attorney who brings her a fresh appeal the same first question: can I even help you? She also walks through what good trial attorneys should be doing throughout the entire litigation — not just at verdict — to ensure the case is set up for appeal if needed. They also discuss why an Uber or Lyft accident is so much more complicated than a standard crash and why respondeat superior liability is still an unsettled issue across the United States, how she helped preserve a $10 million gift of stock as separate property in a divorce appeal by showing the trial judge had sufficient evidence to find it was truly a gift, her role as appellate counsel on the $9 million UVA shooting settlement, the ride-hail sexual assault case where the driver was not criminally prosecuted but she combed through the civil evidence and got past a demur when no one else had taken the time to look, why the other side's insurance company calling you right after a crash to settle fast is good for them and bad for you, and why missing the 30-day notice of appeal deadline in Virginia by even one day requires an emergency motion before the appellate court. Juli Porto is an appellate and personal injury attorney at Blankingship and Keith in Fairfax, Virginia, taking appellate consultations and referrals from trial attorneys at other firms as well as handling her own PI cases. Connect with Juli Porto: Email: jporto@bklawva.com Direct line: 571-789-0877 bklawva.com Fairfax, Virginia Chapters 00:00 Introduction to Juli Porto 00:38 Growing up as an Army brat, West Point, soccer for the Black Knights, and what constant moving taught her about understanding people 01:09 Clerking for Judge Rousey Alston at the Virginia Court of Appeals and meeting her husband at Guantanamo Bay 01:58 Appellate practice explained — not just after trial but consulting during trial to set up the record 03:33 Consulting with other attorneys during litigation — preserving error, making the right arguments 04:37 Personal injury trials as the bread and butter at trial level 04:55 Someone just got badly hurt in a crash — the first three things to do in the next 48 hours 06:25 The insurance company calls right after the accident and promises to settle fast — what to tell them 07:20 Your medical case can't get ahead of your legal case — why the timeline is longer than they want you to think 08:34 The client who already signed forms and turned over records — how badly did they damage their case 10:13 Withdrawing all authorizations as the first move when getting involved after the client spoke to the insurer 11:08 Hit by an Uber driver — why that case is far more complicated than a regular crash 11:16 Respondeat superior and why the employer versus independent contractor question is unsettled nationwide 12:55 When it makes sense to go after just the driver's insurance instead of fighting Uber 14:16 How you set up a personal injury case to successfully appeal it 15:09 The most common problem when trial attorneys bring her a fresh appeal — error was never preserved 15:40 How to preserve error — timely and specific objection giving the judge the chance to fix it 16:51 When error was not preserved — post-trial motions and whether they can save the appeal 17:46 Sometimes the judge just says you are right and fixes it — and the appeal becomes unnecessary 18:26 Ineffective assistance of counsel on the civil side — why that is not something you can fix on direct appeal 19:52 New evidence on appeal — what after-discovered evidence actually requires and why it is rarely available on the civil side 21:02 Hidden discovery and fraud on the court — how that gets handled on an indirect appeal 22:04 The other side is appealing my win — what does that mean for my money and my life right now #JuliPorto #BlankingshipAndKeith #TrustcastShow #AppellateLaw #VirginiaAppealAttorney #PersonalInjuryAppeal #ErrorPreservation #UberLyftAccident #VirginiaPersonalInjury #AppellateConsultant

Angela Ventro on How Supio Turned a $25,000 Soft Tissue Case Into a $250,000 TBI Settlement,

What happens when an attorney who failed the bar exam by one point, appealed the result, won, and liked to say her first client was herself — then spent four years managing over a hundred active files at a workers' compensation and motor vehicle accident firm before the pivot that her father still occasionally questions — discovers that she can have more impact on injured people's lives by helping the attorneys who represent them understand what AI can actually do than she ever could trying cases herself? In this episode of the Trustcast Show, Zane Myers speaks with Angela Ventro, account executive at Supio covering New England and upstate New York, about why PI firms that say they tried AI and it did not work were almost always burned by bad implementation rather than bad technology, what actually happens when an attorney sits with two thousand pages of records the night before a deposition looking for treatment gaps and undiagnosed injuries, and why a scattered trail of complaints about photophobia, fatigue, and migraines across three different providers over several months is exactly the kind of connection no single human reviewer would make but that AI flags immediately — which is how a $25,000 soft tissue case became a $250,000 TBI settlement. Angela also explains how Supio's integration with Westlaw is the only one of its kind in the personal injury AI market, putting medical record analysis and legal research in the same place rather than across two screens. They also discuss how Supio helped Tor Hormon Law secure a $495 million verdict against Abbott Labs by processing over 43,000 pages of records and 80-plus depositions — and why the managing partner specifically called out paralegal mental health as one of the benefits, because reading about injured babies all day in gross detail wears on a person in ways that are hard to quantify but very real — how defense firms and insurance companies are already using AI to bury smaller plaintiff firms in discovery and why Supio can answer a non-standard interrogatory in under a minute, why your conversations inside a closed enterprise AI system are likely protected as attorney work product while your client chatting with ChatGPT about their own case probably is not, and why paralegals using Supio are now comfortably handling ten more cases each without the firm hiring additional staff. Angela Ventro is an account executive at Supio, the AI platform purpose-built for plaintiff's personal injury firms, covering New England and upstate New York. Connect with Angela Ventro: Email: angela.ventro@supio.com supio.com LinkedIn: Supio Chapters 00:00 Introduction to Angela Ventro 00:51 Failing the bar by one point, winning the appeal, and her first client being herself 01:59 Four years managing over a hundred active files at a workers' comp and motor vehicle firm 03:12 The pivot from practicing law to selling AI to law firms — and what her dad said about it 04:22 Why the human element and client relationship side always felt more natural than the practice 05:19 When a PI firm says we tried AI and it did not work — what actually happened 06:15 Implementation and support on day 40 versus day one — the real barrier to adoption 07:14 What a PI attorney loses every time they personally review 400 pages of records instead of using AI 08:00 Treatment gaps, undiagnosed injuries, and the ten PM deposition prep experience 09:00 How Supio finds TBI complaints scattered across three providers that no single reviewer connects 09:56 Client stickiness and the referral network — why catching an undiagnosed TBI changes the relationship 10:42 The objection — I am better than the AI and I will find the pearls myself 11:15 Force multiplying yourself — 10 pearls in 10 cases instead of one pearl in 10 hours 11:45 Five years of training Supio specifically on plaintiff's personal injury law — doctor lawyer on your staff 12:33 How a trial actually works — NDA first, then upload, then regular checkpoints and success criteria 13:55 The aha moment — Supio finding something on a lawyer's own client file they were not aware of 15:14 Is Supio doing legal thinking or something else — firm level, case level, and document level intelligence 16:07 The Westlaw integration — why nobody else in the PI AI market has a research partner of this size 17:46 Putting case law and medical records in the same place — drafting a response to a summary judgment motion 18:49 The hallucination objection — the lawyer who got cited from the bench and had his license threatened 19:45 Courts are not saying don't use AI — they are saying use it irresponsibly and we will come for your license 20:42 Implementation — does the firm have to stop taking cases to set it up 21:45 Onboarding team, customer success, and training as new staff and new features arrive #AngelaVentro #Supio #TrustcastShow #LegalAI #PersonalInjuryAI #PIFirmTechnology #LegalTech #TBISettlement #WestlawIntegration #PlaintiffsAttorneyAI

Kristen Lojewski on How to Know Something Is Wrong Before It's Too Late

What happens when a girl who grew up in poverty in Indiana, watched her grandfather walk into a rehab facility after his second stroke and get wheeled out in a wheelchair with a bag of clothes soaked in urine and feces because they kept passing him by at meals while he dozed in his room, becomes the first person in her family to attend graduate school, spends years as a prosecutor in South Florida learning how to try cases before she ever touches civil work, and then builds her own Milwaukee firm in 2025 dedicated entirely to one mission — holding nursing home corporations accountable when something goes horribly wrong? In this episode of the Trustcast Show, Zane Myers speaks with Kristen Lojewski, founder of Lojewski Abuse and Injury Law, about how to know something is wrong at a nursing home before it is too late — ask for the care plan, visit at unpredictable times, attend the interdisciplinary team meetings — and why families almost always do see the warning signs but get talked out of them by the facility until it is too late to undo the damage. Kristen explains why Wisconsin caps wrongful death damages for adults at $350,000 and pain and suffering at $750,000, why that makes a million-dollar total exposure feel like a rounding error to a chain corporation, and why the legislature is essentially telling families that an elderly person's life is worth less than if the same thing happened across the border in Illinois. They also discuss how nursing homes are increasingly burying binding arbitration agreements deep inside admission paperwork given to families during the most emotionally pressured moments of their lives — and why signing one strips your right to a jury trial and public record — what sexual assault inside memory care facilities actually looks like and why residents with dementia are specifically targeted because perpetrators believe nobody will believe them, how facilities use the phrases just aging and unavoidable injuries as standard defenses even when they have not implemented a single reasonable safety measure, why the defense firm on the other side gets paid every time they answer an email and has every incentive to run out the clock on a surviving elderly spouse, and why Kristen's firm will never recover more than what the family recovers. Kristen Lojewski is the founder of Lojewski Abuse and Injury Law in Milwaukee, Wisconsin, serving families whose loved ones were harmed or killed by nursing home neglect or abuse. Connect with Kristen Lojewski: protectwi.com or loyeskilaw.com Phone: 414-999-3771 Instagram: @attorneykristen Milwaukee, Wisconsin Chapters 00:00 Introduction to Kristen Lojewski 00:44 Big buddy and little buddy — watching her grandfather deteriorate in a rehab facility and passing away in September 2020 02:35 From South Florida prosecutor to nursing home plaintiff lawyer — what the criminal courtroom taught her that civil lawyers miss 04:15 Something feels off about my mom's nursing home but I can't point to anything — where do I start 05:30 Request the care plan, visit at unpredictable times, attend the interdisciplinary team meetings 06:59 What are the warning signs families miss until it is too late 07:30 Families usually do see the warning signs — the problem is the facility reassures them out of acting 08:24 When the nursing home says everything is fine — how to push back and when to escalate 10:44 The nursing home says those injuries are just part of aging — is that ever actually true 11:24 Send your loved one to an independent hospital if you are concerned — what independent providers actually document 13:12 If your loved one has dementia and can barely communicate — does that make it harder to pursue a case 14:18 Sexual assault in nursing homes and memory care facilities — why residents with dementia are specifically targeted 15:52 How often is this actually happening — and how much goes unreported 17:11 Who is legally allowed to file a claim in Wisconsin 17:20 Adult children, spouses, parents — and why extended family do not have a wrongful death claim 18:14 Wisconsin caps wrongful death at $350,000 for adults — the hardest conversation she has with families 19:29 Total exposure for a nursing home wrongful death case — $1.1 million and why that is nothing to a chain corporation 20:01 The $750,000 pain and suffering cap and why the legislature undervalues elderly lives 21:23 What the first phone call with a family actually looks like — holding space before gathering facts 22:30 Honest conversations about damages caps, medical record review, and whether to try pre-suit resolution 23:15 Contingency fee — the firm advances all costs and never recovers more than what the family recovers #KristenLojewski #LojewskiAbuseLaw #TrustcastShow #NursingHomeAbuse #NursingHomeNeglect #ElderAbuseLaw #WisconsinNursingHomeLaw #WrongfulDeathWisconsin #ArbitrationNursingHome #ElderLaw

Dr. Mohammad Chelehmalzadeh on Building an AI Medical Assistant From Scratch,

What happens when an ER physician who fled Iran during the revolution as a child, survived Scud missiles and bombings across multiple cities, made it through medical school in Belize, delivered babies as the only doctor in a 25-mile radius in a tiny Minnesota town called Olivia, switched into emergency medicine, and spent years getting lectured by his billing partners about every critical care encounter he was under-documenting — finally picks up a Python programming hobby he had since high school, calls his AI friend at AMD, and spends three to four months building a tool that is not a medical scribe, not a transcription app, and not a copy of anything else on the market? In this episode of the Trustcast Show, Zane Myers speaks with Dr. Mohammad Chelehmalzadeh, ER physician and founder of Teb IQ, about why emergency room doctors are interrupted every 30 seconds, why their notes end up as skeletons of what they should be, and why an experienced physician who just saved someone's life after 20 minutes of CPR ends up billing at the same level as a strep throat visit. Dr. C explains medical decision making — MDM — and why the 2023 Medicare billing change made the thought process the driver of revenue rather than the length of the note, why thinking about stroke and then ruling it out without ordering a CAT scan is a billable event if you document it, and how his app increased his personal critical care billing rate from 8-9% to 22% and pushed his users from level three and four billing to four and five across the board. They also discuss the app's live evolving patient story that gets reanalyzed with every addendum and changes the final assessment as the diagnosis shifts, the HIPAA architecture that redacts the 18 protected variables before the story ever touches an LLM, the clinical scoring module that auto-calculates HEART score and other tools without the physician leaving the screen, the AI critique feature that reviews your entire patient encounter and tells you what you missed — the shoulder X-ray that was ordered but never mentioned, the tetanus shot with no follow-up — and why Dr. C refused to let surgical residents use the full version of the app because cognitive development in residency is too important to hand over to a machine. He also shares why getting into Epic costs over $100,000 before a single hospital ever sees your app, and what his path to scale actually looks like. Dr. Mohammad Chelehmalzadeh is an emergency medicine physician and founder of Teb IQ, an AI-powered clinical documentation and billing optimization platform being piloted across hospitals in Connecticut. Connect with Dr. Chelehmalzadeh: Email: chelehmal@tabscribe.com Phone: 610-945-8337 tabscribe.com Chapters 00:00 Introduction to Dr. Mohammad Chelehmalzadeh 00:46 The billing conversation that started everything — Dr. C's notes were billing at strep throat level after saving a life 02:30 Learning to code again with ChatGPT and writing Python billing cheat files that spread across the department 03:10 The AMD AI friend who said this is a perfect use case — three months of nightly iteration 04:10 The first web version took five minutes per note — then ten seconds 04:56 The director noticed critical care billing jump from 8% to 22% — and looked the other way 05:10 Becoming a company because the hospital group needed liability separation 05:45 Over 40,000 notes processed and users billing five to six percent more in critical care 06:20 Why this is not a scribe — it is a Swiss Army knife that keeps the chaos organized and timestamped 07:04 What it is like to be interrupted every 30 seconds in the ER and why notes become skeletons 08:00 The live evolving patient story — the AI reanalyzes the whole encounter with each addendum 09:30 The sign-out note feature — dictating an entire shift handoff with one record button 10:00 The supervisory note for PAs and NPs — the right blurb every time 11:38 The shift handoff as an analogy for losing tokens between Claude conversations 12:03 HIPAA compliance — redacting all 18 protected variables before anything touches the LLM 15:25 How the encounter stays linked to the right patient without PHI — diagnosis, age, sex, room number 16:30 End to end encryption, business associate agreements, and why no recordings are stored 17:58 The legal question — how do you protect yourself when data clears after 30 days 19:02 The gray zone around PHI data retention and physician responsibility for what they paste into the chart 20:21 Teb IQ — the name comes from the Persian word for medicine and Ibn Sina the father of modern medicine 21:02 Fleeing Iran during the revolution, surviving the Iran Iraq war, escaping through Australia to Canada and eventually Belize #DrMohammadChelehmalzadeh #TebIQ #TrustcastShow #EmergencyMedicineAI #ClinicalDocumentationAI #MedicalBillingAI #AIHealthcare #EMRDocumentation #CriticalCareBilling #PhysicianAITool