Category: Estate Planning
Washington Update and Your Portfolio (Ep. 26)

Washington Update and Your Portfolio (Ep. 26)

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What happens when common sense meets political reality?

In this straight-shooting episode, Terry Wheeler tackles the uncomfortable truth about Washington’s fiscal dysfunction and why America’s long-term success depends on courage, not convenience.

As economic pressures mount and global tensions rise, Americans are left wondering: Will our leaders step up—or just focus on re-election? Terry shares his unfiltered take on tariffs, taxes, and the toxic short-term mindset infecting both parties. 

With his signature clarity and conviction, he explains why real leadership requires more than rhetoric—and how the business community (and voters) can hold decision-makers accountable.

This episode isn’t about left or right—it’s about what’s right for America’s future.

Key discussions in this week’s release include:

  • Why tariffs might actually be the best economic move for the U.S. right now
  • The bipartisan elephant in the room: we need to both raise taxes and cut spending
  • Why most politicians are smart, but selfish, and what that means for future generations
  • A call for long-term thinking, straight from Terry’s own experience as a business leader and father
  • And more!

Resources:

Connect with Terry Wheeler: 
Money for College: Conventional and Unconventional Sources (Ep. 25)

Money for College: Conventional and Unconventional Sources (Ep. 25)

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What if you could send your kids to college without sacrificing your financial future? 

Many families find themselves caught in the middle of this challenge, but with the right approach, it’s entirely possible to balance both.

Terry Wheeler provides practical insights into how families can make smarter financial decisions when planning for college expenses, without putting their retirement at risk. 

The conversation focuses on strategies that can help families save more effectively and avoid common pitfalls that lead to financial stress down the road.

Key discussion points include:

  • Navigating conventional and unconventional sources of college money [00:07:17]
  • Decoding the real costs involved in higher education [00:05:26]
  • Innovative tax credit and deduction strategies to save on college expenses [00:20:21]
  • The power of income shifting and 529 plan tactics [00:33:11]
  • Business-savvy methods to maximize tuition funding [00:31:14]
  • And more!

Connect with Terry Wheeler: 
How to Travel the World Before You Retire with Ed Wheeler (Ep. 24)

How to Travel the World Before You Retire with Ed Wheeler (Ep. 24)

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Feeling restless and considering an early escape from the daily grind? What if you could start living your dream retirement now, even before clocking out for good?

Join Terry Wheeler as he chats with his brother, Ed Wheeler, about the concept of “mini retirements” and how this lifestyle can redefine your approach to wealth and adventure. 

Discover the liberating world of budget travel and learn about Ed’s adventures across Tbilisi, Malta, and Prague. His experiences will inspire you to plan your own life-enhancing journeys, encouraging you to see the world and embrace flexibility without waiting for the “right time.”

Key conversation points include:

  • The life changes that pushed him towards early travel [00:02:41] 
  • Why Tbilisi, Georgia, became his destination of choice [00:04:38] 
  • Insights from Malta’s medieval charms to Prague’s bustling neighborhoods [00:18:12]
  • How to blend work and travel in the Cayman Islands [00:32:58] 
  • And more!

 

Resources:

Connect with Terry Wheeler: 

 

Connect with Ed Wheeler:

  • (303) 972-2443

About Ed Wheeler: 

Ed Wheeler is an Executive Consultant with Long International and has over 35 years in the heavy civil construction, oil and gas, and power industries. He is experienced with the development of pre-bid pursuit schedules and baseline schedules and recently completed a pursuit schedule for a $1.3 billion joint venture project.

Mr. Wheeler has had a significant role in the development of large, sophisticated project schedules for several high-profile nationwide projects totaling over US$8 billion. He has proven experience in construction management, management advisory services, and construction claims consulting. He provides clients with superior hands-on industry knowledge and the analytical and problem-solving skills necessary to understand and demonstrate the effects of complex construction issues and time-related impacts.

Mr. Wheeler began his career as an Operating Engineer for one of the largest U.S. heavy civil contractors. He subsequently worked as a Project Engineer, Project Manager, Project Scheduler, Contract Administrator, Scheduling Consultant, Senior Scheduler, and Corporate Scheduler. Mr. Wheeler has provided services to several of the most respected heavy civil contractors in the U.S. and some of the largest construction companies in the world.
What to Say (and Not Say) to Someone Grieving (Ep. 23)

What to Say (and Not Say) to Someone Grieving (Ep. 23)

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What do we say when words seem inadequate? 

In this heartfelt episode, Terry Wheeler delves into the complexities of grief and the challenges we face in supporting those who have lost a loved one. 

Drawing from personal experiences and a compelling presentation he attended by Darren Sugiyama, a fellow financial advisor deeply affected by loss, Terry explores effective ways to show support and empathy.

Terry shares touching stories about his late friend, Bruce Bone, and reflects on how to meaningfully connect with grieving families. 

Gain insight into navigating grief as this episode covers:

  • Grief Etiquette: What to say and, just as importantly, what not to say to those in mourning.
  • Personal Stories: Recounting memories and finding comfort in shared experiences. 
  • Acts of Kindness: The impact of unexpected gestures and memorials that honor lost loved ones. 
  • Practical Support: Offering tangible help without adding pressure during difficult times.

Connect with Terry Wheeler: 
Warning Signs of a Market Crash & What You Need to Know (Ep. 22)

Warning Signs of a Market Crash & What You Need to Know (Ep. 22)

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Is your investment portfolio prepared for the storm ahead?

With market warning signs on the horizon, discover how to turn potential downturns into opportunities for long-term growth.

Terry Wheeler decodes the warning signals investors might be missing and shares insights on building a recession-ready portfolio. With guests exploring the history of past market crashes in 2001 and 2008, the episode unfolds the significance of maintaining a balanced strategy that’s prepared for any market shifts.

Key discussions include:

  • Market Timing Myths and Realities [00:00:45]
  • Lessons from Past Crashes [00:03:13]
  • Early Warning Indicators [00:05:43]
  • The Power of Defined Outcome Investing [00:08:57]
  • Fixed Income Annuities as a Strategy [00:15:09]
  • Steps Toward Secure Portfolio Management [00:19:59]
  • And more!

Connect with Terry Wheeler: 
Unlocking Annuity Potential & How Refinancing Could Boost Your Returns (Ep. 21)

Unlocking Annuity Potential & How Refinancing Could Boost Your Returns (Ep. 21)

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Could refinancing your annuity turbocharge its return by 50% while also topping up your retirement fund with bonuses you don’t have to pay back? 

Terry Wheeler dives into annuity refinancing strategies that are hard to ignore given today’s interest rate climate. If you’re curious about how your financial future could benefit, this conversation is for you.

Terry Wheeler discusses:

  • What refinancing an annuity involves and its potential benefits [00:00:49]
  • The economic environment making annuity upgrades viable [00:02:25]
  • Different types of annuities and eligibility for refinancing beginning at [00:03:29]
  • Financial implications, including cap rates and par rates [00:06:29]
  • The tax implications of refinancing through a 1035 exchange [00:13:32]
  • And so much more!

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.
Maximizing Your Social Security Benefits (Ep. 20)

Maximizing Your Social Security Benefits (Ep. 20)

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What does the Social Security Fairness Act mean for your retirement plans? 

In this episode of WE Money Talk, Terry Wheeler unpacks the upcoming changes to the Social Security system that could impact your benefits. The Social Security Fairness Act is set to expand eligibility, proving vital for many who previously fell through the gaps, like teachers and some government employees.

Terry discusses:

  • The history and misconceptions around Social Security. [00:00:41]
  • Major changes for 2025 and their implications for cost-of-living adjustments. [00:02:59]
  • Adjustments on retirement age and contributions. [00:05:03]
  • The Social Security Fairness Act and who it affects. [00:09:06]
  • How you could recoup benefits retroactively and what steps to take next. [00:12:22]

Resources:

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.
Empowering the Next Generation with Financial Literacy (Ep.19)

Empowering the Next Generation with Financial Literacy (Ep.19)

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Terry Wheeler is on a mission to provide young people with the financial education they often lack in school. 

Growing up in a blue-collar family, he witnessed firsthand how hard work alone wasn’t enough to build wealth. His journey from struggling with debt after college to successfully leveraging investments to pay it off has shaped his passion for teaching others.

Through his program, Financial Foundations, Terry aims to teach financial fundamentals to a wide audience, from young teens to adults who never learned these essential skills. In this episode, he highlights how the program covers topics like saving early, compound interest, and investing. 

Highlights include:

  • The importance of financial education for young people [00:01:00]
  • Basics of saving, investing, and understanding debt [00:03:40]
  • Plans to bring financial lessons to schools and families [00:06:02]
  • Foundational concepts and advanced applications in wealth building [00:08:19]
  • And more

Resources:

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.
Understanding the Economic Impact of Trump’s Second Term (Ep.18)

Understanding the Economic Impact of Trump’s Second Term (Ep.18)

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What if your grasp of today’s political changes could truly affect your finances and future investments?

Terry Wheeler delves into the pressing issues that President Donald Trump faces as he embarks on his second term. He tackles government debt, the reality behind employment numbers, and the challenges of achieving energy independence.

Terry discusses: 

  • The challenges of managing government debt [00:00:38]
  • Understanding real employment numbers vs. headline figures [00:03:45]
  • The role of tariffs and national security [00:06:34]
  • Energy independence and its economic impact [00:11:13]
  • Strategies for tackling immigration thoughtfully [00:16:37]
  • The potential effects of reducing government size and regulation [00:26:17]
  • And more

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.
2025: Financial Trends You Can’t Ignore (Ep.17)

2025: Financial Trends You Can’t Ignore (Ep.17)

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What trends will shape your financial decisions in 2025?

Terry Wheeler reflects on the surprising twists of 2024 and anticipates the challenges and opportunities of the coming year. He touches on key movements in stocks, the unexpected rise of crypto, and the critical shifts in real estate and federal debt. 

Terry discusses: 

  • Market surprises and the importance of defense [00:00:41]
  • The rising impact of cryptocurrencies [00:02:44]
  • Key trends and financial strategies for 2025 [00:03:52]
  • The growing communication shift away from mainstream media [00:06:08]
  • Federal debt dilemmas and their implications [00:10:05]
  • Real estate price surges and potential market corrections [00:13:20]
  • The importance of downside protection and diversified investments [00:19:38]
  • Roth conversions and tax strategies for the future [00:26:36]
  • And more

Resources:

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.