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Speaker 1: S S S S.

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Speaker 2: Our listeners get this playbook for tax smart wealth advisement.

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Speaker 1: Yeah, it's been tremendous. It's a great way to get

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a look under the hood. See a few of the

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strategies that we as a private wealth management firm implement

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for accredited investors, for high networth investors. And it's something

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that we've made available to listeners to get access to

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a bandwalth tax smart playbook. See if there's some strategies

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that apply for individuals here, especially as we wind down

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this twenty twenty five calendar year. It's been great, wonderful resource.

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Speaker 2: Well, I want to get into some college football stats

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before we get into the playbook, and I am gonna

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ask you, do you have a playbook to get BYU

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into the top ten of the college football rankings. That's

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what we really need right now, along with saving money

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on Texas Currently college football playoff rankings. They dropped yesterday

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Ohio State at number one, Indiana at number two, Texas

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A and M number three, Georgia four, Texas Tech five,

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Oregon six, Ole Miss seven Oklahoma. These are the two

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loss teams ahead of BYU. Oklahoma nine and two at

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eight Notre Dame at nine, nine and two, and then

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University of Alabama ninety two at ten, BYU at eleven

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Miami a two loss.

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Speaker 3: Miami team ended up.

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Speaker 2: Jumping the University of Utah because Utah almost almost lost

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to Kansas State, so they get jumped Utah sitting at

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ninety two at number thirteen, Vanderbilt at fourteen, Michigan at fifteen,

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and Texas at sixteen. USC drops after losing to Oregon

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but not very far, Virginia at eighteen, Tennessee at nineteen,

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Arizona State at twenty, SMU at twenty one, Pitt at

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twenty two, twenty three at is Georgia Tech, the Tulane Wave,

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and Jake Retzlof at twenty four, and then U of

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A a twenty five Big twelve's got five teams in

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the college Football playoff rankings, and BYU's at eleven. My

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question for our other guests, that's on the line BYU

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quarterback McKay Hillstad Okay, I want to talk to McKay here. McKay,

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welcome to the show. Thanks for joining us for a

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let's talk about stat segment.

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Speaker 4: Yeah, yeah, of course, excited to be on.

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Speaker 1: Appreciate you appreciate you guys.

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Speaker 2: Yes, indeed love talking ball with McKay Hillstead. He's been

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on the show a number of times. So McKay BYU's

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at eleven right, And I know you guys try to

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block out the noise of the rankings and just focused

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on the task at hand.

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Speaker 3: How do you guys do that?

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Speaker 2: How would you describe the culture within that locker room?

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Speaker 3: It's all this stuff is going on around you.

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Speaker 1: Yeah, I mean, I think in the position that we're.

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Speaker 4: In right now, where we're in control of our own

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destiny and you know, if we want to be where

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we're at the playoff rankings and you know, in the

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Big Fault Championship, what it comes down to is really

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just winning this week's game. So I think it's pretty

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easy to dial in everybody's focus and focus on beating

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UCF and really just going one week at a time,

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because you know, in reality, if we if we were

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about anything, worry about anything else, and you know, we

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might not be where we want to be. So just

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focusing one week at a time is I think is

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really big for our program. That's something that Kiloney preaches

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is just you know, dialing in focusing on the task

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at hand, which is UCS.

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Speaker 2: Love and learning, staying humble, staying hungry, folks, focusing on

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the task at hand, next game, next man up type

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of mentality. How can you guys take care of business

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versus UCF at home?

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Speaker 3: What does the scouting reports say about UCF?

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Speaker 4: Yeah, so defensively lot themand the man. They're not super Uh,

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they don't run a bunch of different average is necessarily,

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but the ones that they do run, they do a

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good job at their They're a good defense. I think that,

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you know, pretty similar to how our defense works, you know,

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running a lot of man and man coverage. I think

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we have a good feel of how to attack that.

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So I think we'll be really good. We'll be really

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good this week. And I think our game plan is

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is set to win one on one matchups and then

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times when they do goes.

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Speaker 1: On to.

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Speaker 4: Attack those areas where defenders are not so yeah.

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Speaker 3: Well that breakdown.

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Speaker 2: I know we talk a lot of tax smart wealth

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advisement and tax planning here with our banter wealth. Let's

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talk about stats segment. But if B y U was

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to get another shot at Texas Tech in a in Arlington,

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in a neutral setting, what do you think the game

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plan would be, what would change what happened versus Texas

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Tech the first go around? It? What do you expect

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to be changed the second go around if you guys

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got that opportunit ready.

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Speaker 4: Yeah, I think a big thing is, you know, you

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talk about a neutral side. I think you know, obviously

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Bayu travels, I don't. I mean, I don't know if

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anybody travels as.

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Speaker 1: Well as Buyu.

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Speaker 4: You know, So if I bet that a good portion

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of that stadium will be will be filled with Royal Blue,

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and obviously that helps. And I think what it comes

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down to is just you know, we always have a

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good game plan each and every week, so just going

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out there and executing. I think last time we're in

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Lubbock just you know, a couple of things here and

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there that you know, it was just a little bit

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difficult to sustain drives. But I think that the games

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that we've played past that point have have really helped

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us and got our team to focus in on really

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just executing and doing what it's called on each and

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every play. And I think that that's gonna that's gonna

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help us, you know, if we get that opportunity.

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Speaker 2: So yeah, yeah, there's a couple of things that like

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what I noticed when you know, the first go around

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at Tech in Lubbick, it seemed like they were maybe uh,

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you know, injecting a little bit of audio into the stadium.

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I'm sure it's loud down there with the fans, but

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they they were, they were very disruptive.

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Speaker 3: They're at the stadium.

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Speaker 2: It seems like b YU went a lot of max

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pro you know, definitely respecting that defensive front of Texas.

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Tex they have a great defensive front.

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Speaker 3: Uh.

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Speaker 2: They spent a lot of money uh on that defensive front.

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But uh, and Gili has also said, hey, we may

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have to just kind of trust our offensive line a

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little bit and let let uh bear air it out

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a little bit. Would you say that that's an accurate

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depiction of what happened in Lubbock and what could happen

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in the the second go around if that does occur.

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Speaker 1: Yeah, no, I'd say so.

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Speaker 4: I mean, obviously, with the with the d line that

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they have, you wanna do you want to prep and

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you want to have a game plan that's gonna it's gonna.

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Speaker 1: Help with protection.

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Speaker 4: But I think that you know, a shout out to

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our lot I mean, I feel like it just sat

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almost every week when we go over some of the

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stats from the week is that there were no sacks

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or no sacks given up. And I think we have

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a really good ol Ligne with a bunch of skilled players.

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So I think putting putting trusting those guys to lock

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down their defensive lineman wouldn't wouldn't be you know, crazy

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by any means. I think we got a really good line.

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So getting more people out I think would help as well.

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You know, we go max Pro, you're not going to

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get as many guys out and you're gonna struggle with

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holding down a flat defender things like that. So I

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think that in our next game, if we do a

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little bit more of that, I think that I think

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that'd be good, just trusting our OH line and trusting

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our receivers to get open.

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Speaker 2: So l Jack wasn't fully healthy either in that h

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in that Tech game he only got ten tots. He

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just got thirty two in this last game. How pivotal

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could ljb if he's fully healthy in Arlington.

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Speaker 4: Yeah, I mean, you know, I think we saw in

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that Cincinnati game. You know that LJ is able to

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completely take over a game, So establishing the run and

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against against tech is obviously going to be important. That

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opens up our play action game and really just opens

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up our whole offense. So having LJ at full speed

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and at full go, we'll be super beneficial for our

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team just because he's such an integral piece to our offense.

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Speaker 2: Yeah, I'm excited to see what LJ could do in

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the in the second go around being one hundred percent healthy. Look,

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we talk a lot about game planning and playbooks on

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the football field, but Blaine, I want to welcome you

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back in. You guys got a tax smart wealth planning playbook.

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Most people McKay's age, they don't really know what that means.

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Can you explain a little bit about what tax smart

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wealth planning actually is and what are some of the

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tax smart wealth strategies you guys use to help clients. Yeah.

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Speaker 1: Well, especially as we were getting McKay and I were

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talking off the air, we were talking about life off the

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field and how business and strategies like this are probably

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the next best thing when it comes to maintaining that

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same level of adrenaline but also applying strategy. So there's

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certainly strategies that we know and see have to be

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executed on the field and to me, whether it's your

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wealth management, whether it's your business approach, but these are

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ways that we can apply strategies and then see specific outcomes.

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And so especially as we come down to the end

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of the calendar year, for a lot of people, we

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know it's not what you make, it's what you keep,

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and so incorporating a tax and an investment strategy is

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what makes the most sense. We put together ten core

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tax mark strategies for high income and accredited investors, and

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of course everyone's going to need to look at it

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from their own individual standpoint, but there are some specific

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strategies around whether it's tax advantaged vehicles, whether it's tax

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advantaged investments. It may include some options even related to

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a help savings account. But there's a variety of strategies

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depending on your objective and your current situation, that I

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think are worth considering for investors especially, we all have

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blind spots, and so this is a way to take

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a look at what is band or Wealth doing for

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high income and accredited investors. And you can get a

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copy of it by visiting our band orwealth dot com

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website and take a look under the hood, see the playbook.

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I'm sure McKay if he had an opportunity to know

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what the defense was doing each time, or having access

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to their playbook, it might really help on the offensive side.

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And that's what this is, access to a.

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Speaker 3: Playbook you mentioned, McKay.

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Speaker 2: And look over the last five years I've told this

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story before, I've seen you support an aid and just

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engage with the student athletes. Would be why you would

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help them anyway that they can through through investment planning

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and just trying to figure out what their long term

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appro for their newfound assets will be, their new NIL money, etc.

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So what is it that you do for these student

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athletes specifically, and then we'll welcome it McKay back in

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and discuss how maybe your strategies are helping him as

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he navigates this new college football landscape in the NIL world.

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Speaker 1: Well, and I know we can all relate, but especially

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as you start making decisions in the business world, as

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you start to work for money, it's important to understand

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how to have your money work for you. And so

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a big part of that is of course just spending

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less than you earn, planning for ahead, thinking about the

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long term approach. And so one thing that we encourage

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younger people to do and really all clients, is to

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set aside ten to twenty percent of your income that

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you can use towards retirement, put it into tax advantaged accounts,

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and structure your investments short term, mid term, long term.

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That allows you to be more aggressive with some investments,

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go after higher rates of return, but also establish a foundation.

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Once you have a foundation, then you have something to

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jump from and you can jump higher. And so whether

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that's just setting up a rock ira investing a lot

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of times that might be more market based investments, before

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you start investing in real estate or before you start

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investing in other private businesses, but just having some additional

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perspective have a long term approach is what can make

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the difference for all of us. And that's something I

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started investing when I was twenty years old, and it's

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not even what that money did quantitatively necessarily, it's what

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it did for me from a mindset standpoint to start

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thinking ahead. And so that's one of the things that

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we emphasize, and especially with younger investors, try to help

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them understand and see, is the power of just starting

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investing now and thinking long term.

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Speaker 2: McKay, why did you reach out to Blade to kind

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of agent support you, educate you on these processes and

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getting the playbook for your future finances.

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Speaker 4: Yeah, you know, I think with the way that the

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college football is heading, obviously there's there's some financial compensation

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for for the things that you're doing out on the field.

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So to figure out what to do with that money

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is is really important. And you know, I think it's

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we have a pretty unique opportunity because you're able to,

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you know, with all the resources that are associated with you,

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I you and and uh, you know, mentors like Bland

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that can put you in the right places. I think

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that you can really set yourself up for success later

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in life with some of those you know, long term

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investments or you know, putting money in towards a potential

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retirement later and all these things that you know you

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can you can you can just really just put put

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money in the right direction and have it start working

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for you. So I think that those are things that

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are really important. And I'm glad that there's you know,

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people like Blaying that'll that'll put you in the right

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direction and you know, help help student athletes out who are,

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you know, dealing with kind of a crazy time in

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college football.

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Speaker 3: So it is a crazy time.

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Speaker 2: It could be overwhelming, right like, because you're you're trying

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to focus on your craft. You're trying to get bigger, faster, stronger,

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be the best football player you could be. You have

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this new found uh, these new found resources, and you're like, Okay,

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now sitting in my bank account, what the heck am

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I supposed to do with this?

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Speaker 3: Uh?

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Speaker 2: And it can be a little bit overwhelming. Has it

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been overwhelming? And and and and how have you tried

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to navigate it?

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Speaker 4: Yeah? I think initially for sure, just because it was

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it's far separate from you know, I was up at

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Utah Stay before and we didn't really have opportunities like that,

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and then come down to b Iu and it's it is.

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It is a little bit different in that sense. So

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I think that like I said, just talking to the

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right tea and getting connected to people that just know

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more than you about about money and being being smart

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with money, I think that's that's super important because like

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I said, it puts you in the right direction and

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it helps you helps calm the chaos in a sense,

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just because it can be so crazy, you know, just

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as a college student who, like you said, is really

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just focused on you know, how can I get how

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can I throw the ball farther? How can I you know,

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you might get this list better, or you know, how

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can I be more explosive? You know, those are the

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things that we're worried about on a day to day basis.

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So having someone that can help you out behind the

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scenes with with some of the new things that come

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with college football is I.

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Speaker 1: Think super important.

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Speaker 4: Is something that all college athletes should should should have,

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just someone who can support you in that way.

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Speaker 2: Love that breakdown McKay looking forward to the UCF game

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and getting a dub at Lavelle Edwards Stadium for all

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the listeners. If you're looking to get that playbook at

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band Orwealth to save money taxes at the end of

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the year, it advise you to head on over to

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Batterwealth Batterwealth Dot Complain last thing before we let you go.

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What does the playbook contain in order to help these

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individual listeners save money on their taxes at the end.

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Speaker 3: Of the year.

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Speaker 1: Well, we give some pay studies. We talk about for example,

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real estate bonus deppreciation. If you have some passive games.

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Maybe you're a real estate owner and you've got some

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rental income and you want to offset that income through

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bonus appreciation. We have some pay studies around what oil

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and gas investments will do to a tax and investment plan.

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We give some everyday deductions that people can make, whether

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you're a business owner or even just a standard filer.

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We talk about the impact of roth conversions maybe at

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the end of the year, and so we actually go

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through ten different paye studies that will likely apply to

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many listeners and give a couple of strategies so that

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they can make an assessment whether it applies to them.

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And then of course you can reach out to our

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CFP team here at Vanderwealth Management to talk specifics. That

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way you can make an informed decision. But the Vanderwealth

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Playbook contains ten different strategies and is applicable for business owners,

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real estates owners, high income or high networth clients.

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Speaker 2: Well, we appreciate you guys both hopping on. Shout out

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to McKay BYU quarterback and Blaine for being our tax

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moret wealth advisor here at ESPN.

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Speaker 3: The fans, gentlemen, we'll see you this weekend.

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Speaker 2: Thanks for hopping off for another let's talk about stats segment.

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Speaker 1: Yeah, thank you, great, Thank you guys.

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Speaker 2: All right, we'll see you guys soon. That was Blaine

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Anderson and McKay Hillstad. Great segment brought to you by

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Banterwealth btterwealth dot com. Get that tax more taxmart Wealth

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Advisement playbook at Batterwealth batterwealth dot com. Today, let's go

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to break, don't go anywhere more to get to This

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is Cougar Sports on one of three, nine ninety point

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three