Trump Accounts Explained: Free Money, Real Tradeoffs

Trump Accounts Explained: Free Money, Real Tradeoffs

Trump Accounts became legal on July 4, 2026. Branden DuCharme and Carisa walk through what they are, who qualifies, and where they fit in a real plan. Kids born between January 1, 2025 and December 31, 2028 can receive a one-time $1,000 contribution from the federal government. Branden's take: if the government is offering your kid free money, take it. But these accounts come with a tradeoff that catches people off guard. At 18, the account is legally the kid's. No trust, no levers of control, no way to stop them from cashing it out. What's covered: • Eligibility and how the tax treatment works • Why you're effectively locked into the S&P 500 • The recordkeeping problem that shows up 18 years later • Estate planning uses for high net worth families • The Roth conversion window in early adulthood • Business owner contributions and why most self-employed people don't qualify • Alternatives: 529 plans, brokerage accounts, custodial Roth IRAs Questions or guest suggestions? We'd love to hear them. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management, LLC is a registered investment advisor with the U.S. Securities and Exchange Commission, and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements.

Is Playing It Safe Still Working? | June 2026 Market Recap

Is playing it safe still working? Branden DuCharme breaks down what happened across the markets in June and what the charts are signaling heading into the second half of 2026 — interest rates, the US dollar, Bitcoin, emerging markets, the Magnificent 7, and gold. This is a chart-driven technical recap: trend, momentum, and price action across every major asset class, translated into plain-language takeaways for long-term investors. In this episode: - Why the 2-Year Treasury leads the Fed — and the setup Branden sees in cash and T-bills - Mortgage rates and the "higher for longer" reality for homebuyers - The US dollar breakout and what a strong dollar means for inflation - Bitcoin's 50%+ correction and why nobody talking about it is a good thing - The hidden semiconductor exposure inside emerging markets - The rotation question: where does the money go when the chip trade wobbles? - A stock-by-stock look at the Mag 7 — including Microsoft's 35% drawdown - Gold's ~30% correction, the $4,000 level, and the gold-to-S&P ratio - Bonus: how index funds absorbed the SpaceX IPO Chapters: 00:00 Cold Open 00:18 Disclaimer 00:44 Welcome & What This Episode Covers 01:04 2-Year Treasury: Why It Leads the Fed 03:17 Bond Duration Explained 04:29 Mortgage Rates: Higher for Longer 05:31 US Dollar Index: The Breakout 08:48 Bitcoin: Nobody's Talking About It 11:44 Emerging Markets: A Hidden Chip Bet 14:17 The Rotation Thesis: Where Does the Money Go? 16:42 The Magnificent 7 (MAGS ETF) 19:21 Mag 7 Stock-by-Stock: Microsoft, Meta, Apple 21:46 Amazon, Google, Nvidia & Tesla 24:53 Gold: My Favorite Pet Rock 29:15 Gold vs. S&P 500: The Ratio Chart 34:18 Bonus: SPACE, IPOs & Index Gaming 37:23 Wrap-Up & How to Reach Us Questions, comments, or topics you'd like covered? Reach out through the website [https://ducharmewealth.com/contact-us/] or send a message on Instagram [https://https://www.instagram.com/ducharmewealth/], X [https://x.com/stored_alpha], or Facebook [https://www.facebook.com/DuCharmeWealth]. ducharmewealth.com [https://ducharmewealth.com] (435) 288-3396 — DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements.

Your Cheapest Policy Could Be Your Most Expensive Mistake

Is your cheapest insurance policy quietly setting you up for financial disaster? In this episode of the Tall Oaks Podcast, Branden DuCharme sits down with Latham Jepson — a property and casualty insurance broker based in Utah — to break down the gaps most people don't know exist in their home and auto coverage, and the surprisingly inexpensive fixes that could save you everything. This isn't a sales pitch. It's the honest conversation your insurance agent should be having with you — but probably isn't. Here's what we cover: * The difference between protecting an asset and protecting your liability, and why most people are only thinking about one of them * Why Utah's state minimum auto liability coverage of $30,000 is dangerously low, who it's actually appropriate for, and what happens when you rear-end a "Lamborghini" with it * How insurance carriers quietly shift their risk appetite and why your rates can go up even when you've done nothing wrong * Captive agents versus independent brokers and what that difference actually means for your options and your premium * The cheap endorsements most homeowners never add, including service line coverage and sewage backup, that cost almost nothing and cover a lot * Why maxing out personal liability on your homeowner's policy to $500,000 is one of the easiest and most overlooked moves in personal finance * How umbrella policies work, why they're more affordable than most people think, and how having one changes the insurance company's incentive to actually fight for you * Scheduling jewelry, firearms, collectibles, instruments, and high-end gear that your standard policy sublimit won't fully cover * Why renter's insurance is almost always a no-brainer, including the one thing it covers that most renters never expect * Personal injury liability coverage and why it matters, especially if you're in financial services, make content, or have strong opinions in Facebook comment sections * Branden's framework for every risk you face: insure it, retain it, or mitigate it, and when the right answer is just being a better driver The bottom line: pull out your declarations page, write down your assets, and honestly ask yourself whether your coverage matches what you have to lose. Find Du Charme Wealth Management here: https://ducharmewealth.com Phone:  (435) 288-3396 DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

First-Time Buyers Are Making This One Huge Mistake

Is real estate investing still a reliable path to wealth? Stop viewing buying a home as a guaranteed ticket to riches and avoid financial strain. This discussion challenges the outdated belief that real estate is an automatic wealth builder. We break down why the current real estate market requires a more cautious approach and why purchasing property solely for investment potential can backfire if your finances are already stretched thin. If you are questioning if real estate is a good investment right now, this honest assessment provides the perspective you need to make smarter financial decisions. • real estate returns driven more by macro forces than most people admit • using a 50/30/20 framework to think about macro, property type, and deal selection • first-time homebuyer decision anchored on mobility and a realistic 3 to 5 year timeline • why renting can beat buying when interest dominates the mortgage payment • hidden ownership costs beyond principal and interest, including HOA, insurance, taxes, repairs • what happened when rental supply rose as mortgage rates surged, and why rents hit a ceiling • buying for community, schools, stability, and predictability versus buying for investment alpha • why “get rich in real estate” advice is outdated in a high-rate affordability-stretched market • refinance risks, amortization schedules, and how lower payments can mean higher lifetime interest • cash-buyer share, split-market pricing, and why days-on-market tells a truer story than hype • inventory, absorption rate, and the gap between pending sales and closed volume • seller anchoring bias, the myth that real estate never goes down, and how losses really happen • local economy concentration risk in growth-dependent areas and why diversification matters Find Du Charme Wealth Management here: https://ducharmewealth.com Phone:  (435) 288-3396 Find Robert Macfarlane here: https://www.realtor.com/realestateagents/583655fa34e2ea0001aebd05 DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. 0:00 Intro and welcome 6:20 First-Time Buyer Reality Check 9:36 When Renting Beats Buying 12:04 Rent Supply Surge And Wage Limits 20:32 Lifestyle Value Versus Investment Return 34:14 Refinance Traps And Amortization Math 38:46 Cash Buyers And Market Stability 44:27 Inventory Levels And True Demand 53:25 Anchoring Bias And Real Estate Losses 1:01:08 Local Economy Risk In Growth Towns 1:08:31 Animal Spirits From SpaceX Mania 1:14:32 Find Your Edge Then Wrap

Insurance Gaps Most People Don't See Coming

We make the case for a mid-year insurance review and explain insurance as a tool to transfer the few risks that can blow up your cash flow and net worth. We walk through the coverages that matter, the gaps we see most often, and a simple process to keep policies organized and aligned with your life. • Summer as a natural trigger for insurance reviews due to new purchases, renewals and close calls • The core definition of insurance as paying a little to protect against a low-odds high-impact event • The policies to review beyond life insurance, including disability, health, auto, homeowners, liability and business insurance • Why annuities and often long-term care planning sit outside a quick annual insurance check • Common gaps and mistakes, including missing umbrella coverage, uninsured “toys,” stale vehicles and overlooked endorsements • How to think about flood, earthquake and sewer line coverage through a self-insure versus insure lens • Employee benefits oversights, including paying for add-ons you never use or understand • Disability insurance basics, elimination periods and when short-term coverage can free up invested capital • Life events that should trigger updates, including marriage, divorce, kids, job changes, home moves and retirement • Document habits that make reviews easy, including saving declaration pages in a secure folder by year • Why we prefer building the need with a financial plan before shopping with an insurance agent • Beneficiary checks and why naming minor children can create avoidable legal friction • A DIY approach using a written net worth statement and cash flow statement to test coverage decisions Find Du Charme Wealth Management here: https://ducharmewealth.com Phone:  (435) 288-3396 DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. 0:00 Welcome And Risk Management Basics 5:14 Why Summer Triggers Insurance Reviews 8:46 Insurance As Risk Transfer Plus Health 11:08 Finding Gaps Umbrella And Home Riders 15:07 Employee Benefits Traps And Disability Math 20:23 Life Events Beneficiaries And Document Habits 26:49 Financial Planner Versus Insurance Agent 36:48 DIY Review Using Net Worth Basics 38:48 Closing And Next Property Casualty