Speaker 1: S S S S.
Speaker 2: Our listeners get this playbook for tax smart wealth advisement.
Speaker 1: Yeah, it's been tremendous. It's a great way to get
a look under the hood. See a few of the
strategies that we as a private wealth management firm implement
for accredited investors, for high networth investors. And it's something
that we've made available to listeners to get access to
a bandwalth tax smart playbook. See if there's some strategies
that apply for individuals here, especially as we wind down
this twenty twenty five calendar year. It's been great, wonderful resource.
Speaker 2: Well, I want to get into some college football stats
before we get into the playbook, and I am gonna
ask you, do you have a playbook to get BYU
into the top ten of the college football rankings. That's
what we really need right now, along with saving money
on Texas Currently college football playoff rankings. They dropped yesterday
Ohio State at number one, Indiana at number two, Texas
A and M number three, Georgia four, Texas Tech five,
Oregon six, Ole Miss seven Oklahoma. These are the two
loss teams ahead of BYU. Oklahoma nine and two at
eight Notre Dame at nine, nine and two, and then
University of Alabama ninety two at ten, BYU at eleven
Miami a two loss.
Speaker 3: Miami team ended up.
Speaker 2: Jumping the University of Utah because Utah almost almost lost
to Kansas State, so they get jumped Utah sitting at
ninety two at number thirteen, Vanderbilt at fourteen, Michigan at fifteen,
and Texas at sixteen. USC drops after losing to Oregon
but not very far, Virginia at eighteen, Tennessee at nineteen,
Arizona State at twenty, SMU at twenty one, Pitt at
twenty two, twenty three at is Georgia Tech, the Tulane Wave,
and Jake Retzlof at twenty four, and then U of
A a twenty five Big twelve's got five teams in
the college Football playoff rankings, and BYU's at eleven. My
question for our other guests, that's on the line BYU
quarterback McKay Hillstad Okay, I want to talk to McKay here. McKay,
welcome to the show. Thanks for joining us for a
let's talk about stat segment.
Speaker 4: Yeah, yeah, of course, excited to be on.
Speaker 1: Appreciate you appreciate you guys.
Speaker 2: Yes, indeed love talking ball with McKay Hillstead. He's been
on the show a number of times. So McKay BYU's
at eleven right, And I know you guys try to
block out the noise of the rankings and just focused
on the task at hand.
Speaker 3: How do you guys do that?
Speaker 2: How would you describe the culture within that locker room?
Speaker 3: It's all this stuff is going on around you.
Speaker 1: Yeah, I mean, I think in the position that we're.
Speaker 4: In right now, where we're in control of our own
destiny and you know, if we want to be where
we're at the playoff rankings and you know, in the
Big Fault Championship, what it comes down to is really
just winning this week's game. So I think it's pretty
easy to dial in everybody's focus and focus on beating
UCF and really just going one week at a time,
because you know, in reality, if we if we were
about anything, worry about anything else, and you know, we
might not be where we want to be. So just
focusing one week at a time is I think is
really big for our program. That's something that Kiloney preaches
is just you know, dialing in focusing on the task
at hand, which is UCS.
Speaker 2: Love and learning, staying humble, staying hungry, folks, focusing on
the task at hand, next game, next man up type
of mentality. How can you guys take care of business
versus UCF at home?
Speaker 3: What does the scouting reports say about UCF?
Speaker 4: Yeah, so defensively lot themand the man. They're not super Uh,
they don't run a bunch of different average is necessarily,
but the ones that they do run, they do a
good job at their They're a good defense. I think that,
you know, pretty similar to how our defense works, you know,
running a lot of man and man coverage. I think
we have a good feel of how to attack that.
So I think we'll be really good. We'll be really
good this week. And I think our game plan is
is set to win one on one matchups and then
times when they do goes.
Speaker 1: On to.
Speaker 4: Attack those areas where defenders are not so yeah.
Speaker 3: Well that breakdown.
Speaker 2: I know we talk a lot of tax smart wealth
advisement and tax planning here with our banter wealth. Let's
talk about stats segment. But if B y U was
to get another shot at Texas Tech in a in Arlington,
in a neutral setting, what do you think the game
plan would be, what would change what happened versus Texas
Tech the first go around? It? What do you expect
to be changed the second go around if you guys
got that opportunit ready.
Speaker 4: Yeah, I think a big thing is, you know, you
talk about a neutral side. I think you know, obviously
Bayu travels, I don't. I mean, I don't know if
anybody travels as.
Speaker 1: Well as Buyu.
Speaker 4: You know, So if I bet that a good portion
of that stadium will be will be filled with Royal Blue,
and obviously that helps. And I think what it comes
down to is just you know, we always have a
good game plan each and every week, so just going
out there and executing. I think last time we're in
Lubbock just you know, a couple of things here and
there that you know, it was just a little bit
difficult to sustain drives. But I think that the games
that we've played past that point have have really helped
us and got our team to focus in on really
just executing and doing what it's called on each and
every play. And I think that that's gonna that's gonna
help us, you know, if we get that opportunity.
Speaker 2: So yeah, yeah, there's a couple of things that like
what I noticed when you know, the first go around
at Tech in Lubbick, it seemed like they were maybe uh,
you know, injecting a little bit of audio into the stadium.
I'm sure it's loud down there with the fans, but
they they were, they were very disruptive.
Speaker 3: They're at the stadium.
Speaker 2: It seems like b YU went a lot of max
pro you know, definitely respecting that defensive front of Texas.
Tex they have a great defensive front.
Speaker 3: Uh.
Speaker 2: They spent a lot of money uh on that defensive front.
But uh, and Gili has also said, hey, we may
have to just kind of trust our offensive line a
little bit and let let uh bear air it out
a little bit. Would you say that that's an accurate
depiction of what happened in Lubbock and what could happen
in the the second go around if that does occur.
Speaker 1: Yeah, no, I'd say so.
Speaker 4: I mean, obviously, with the with the d line that
they have, you wanna do you want to prep and
you want to have a game plan that's gonna it's gonna.
Speaker 1: Help with protection.
Speaker 4: But I think that you know, a shout out to
our lot I mean, I feel like it just sat
almost every week when we go over some of the
stats from the week is that there were no sacks
or no sacks given up. And I think we have
a really good ol Ligne with a bunch of skilled players.
So I think putting putting trusting those guys to lock
down their defensive lineman wouldn't wouldn't be you know, crazy
by any means. I think we got a really good line.
So getting more people out I think would help as well.
You know, we go max Pro, you're not going to
get as many guys out and you're gonna struggle with
holding down a flat defender things like that. So I
think that in our next game, if we do a
little bit more of that, I think that I think
that'd be good, just trusting our OH line and trusting
our receivers to get open.
Speaker 2: So l Jack wasn't fully healthy either in that h
in that Tech game he only got ten tots. He
just got thirty two in this last game. How pivotal
could ljb if he's fully healthy in Arlington.
Speaker 4: Yeah, I mean, you know, I think we saw in
that Cincinnati game. You know that LJ is able to
completely take over a game, So establishing the run and
against against tech is obviously going to be important. That
opens up our play action game and really just opens
up our whole offense. So having LJ at full speed
and at full go, we'll be super beneficial for our
team just because he's such an integral piece to our offense.
Speaker 2: Yeah, I'm excited to see what LJ could do in
the in the second go around being one hundred percent healthy. Look,
we talk a lot about game planning and playbooks on
the football field, but Blaine, I want to welcome you
back in. You guys got a tax smart wealth planning playbook.
Most people McKay's age, they don't really know what that means.
Can you explain a little bit about what tax smart
wealth planning actually is and what are some of the
tax smart wealth strategies you guys use to help clients. Yeah.
Speaker 1: Well, especially as we were getting McKay and I were
talking off the air, we were talking about life off the
field and how business and strategies like this are probably
the next best thing when it comes to maintaining that
same level of adrenaline but also applying strategy. So there's
certainly strategies that we know and see have to be
executed on the field and to me, whether it's your
wealth management, whether it's your business approach, but these are
ways that we can apply strategies and then see specific outcomes.
And so especially as we come down to the end
of the calendar year, for a lot of people, we
know it's not what you make, it's what you keep,
and so incorporating a tax and an investment strategy is
what makes the most sense. We put together ten core
tax mark strategies for high income and accredited investors, and
of course everyone's going to need to look at it
from their own individual standpoint, but there are some specific
strategies around whether it's tax advantaged vehicles, whether it's tax
advantaged investments. It may include some options even related to
a help savings account. But there's a variety of strategies
depending on your objective and your current situation, that I
think are worth considering for investors especially, we all have
blind spots, and so this is a way to take
a look at what is band or Wealth doing for
high income and accredited investors. And you can get a
copy of it by visiting our band orwealth dot com
website and take a look under the hood, see the playbook.
I'm sure McKay if he had an opportunity to know
what the defense was doing each time, or having access
to their playbook, it might really help on the offensive side.
And that's what this is, access to a.
Speaker 3: Playbook you mentioned, McKay.
Speaker 2: And look over the last five years I've told this
story before, I've seen you support an aid and just
engage with the student athletes. Would be why you would
help them anyway that they can through through investment planning
and just trying to figure out what their long term
appro for their newfound assets will be, their new NIL money, etc.
So what is it that you do for these student
athletes specifically, and then we'll welcome it McKay back in
and discuss how maybe your strategies are helping him as
he navigates this new college football landscape in the NIL world.
Speaker 1: Well, and I know we can all relate, but especially
as you start making decisions in the business world, as
you start to work for money, it's important to understand
how to have your money work for you. And so
a big part of that is of course just spending
less than you earn, planning for ahead, thinking about the
long term approach. And so one thing that we encourage
younger people to do and really all clients, is to
set aside ten to twenty percent of your income that
you can use towards retirement, put it into tax advantaged accounts,
and structure your investments short term, mid term, long term.
That allows you to be more aggressive with some investments,
go after higher rates of return, but also establish a foundation.
Once you have a foundation, then you have something to
jump from and you can jump higher. And so whether
that's just setting up a rock ira investing a lot
of times that might be more market based investments, before
you start investing in real estate or before you start
investing in other private businesses, but just having some additional
perspective have a long term approach is what can make
the difference for all of us. And that's something I
started investing when I was twenty years old, and it's
not even what that money did quantitatively necessarily, it's what
it did for me from a mindset standpoint to start
thinking ahead. And so that's one of the things that
we emphasize, and especially with younger investors, try to help
them understand and see, is the power of just starting
investing now and thinking long term.
Speaker 2: McKay, why did you reach out to Blade to kind
of agent support you, educate you on these processes and
getting the playbook for your future finances.
Speaker 4: Yeah, you know, I think with the way that the
college football is heading, obviously there's there's some financial compensation
for for the things that you're doing out on the field.
So to figure out what to do with that money
is is really important. And you know, I think it's
we have a pretty unique opportunity because you're able to,
you know, with all the resources that are associated with you,
I you and and uh, you know, mentors like Bland
that can put you in the right places. I think
that you can really set yourself up for success later
in life with some of those you know, long term
investments or you know, putting money in towards a potential
retirement later and all these things that you know you
can you can you can just really just put put
money in the right direction and have it start working
for you. So I think that those are things that
are really important. And I'm glad that there's you know,
people like Blaying that'll that'll put you in the right
direction and you know, help help student athletes out who are,
you know, dealing with kind of a crazy time in
college football.
Speaker 3: So it is a crazy time.
Speaker 2: It could be overwhelming, right like, because you're you're trying
to focus on your craft. You're trying to get bigger, faster, stronger,
be the best football player you could be. You have
this new found uh, these new found resources, and you're like, Okay,
now sitting in my bank account, what the heck am
I supposed to do with this?
Speaker 3: Uh?
Speaker 2: And it can be a little bit overwhelming. Has it
been overwhelming? And and and and how have you tried
to navigate it?
Speaker 4: Yeah? I think initially for sure, just because it was
it's far separate from you know, I was up at
Utah Stay before and we didn't really have opportunities like that,
and then come down to b Iu and it's it is.
It is a little bit different in that sense. So
I think that like I said, just talking to the
right tea and getting connected to people that just know
more than you about about money and being being smart
with money, I think that's that's super important because like
I said, it puts you in the right direction and
it helps you helps calm the chaos in a sense,
just because it can be so crazy, you know, just
as a college student who, like you said, is really
just focused on you know, how can I get how
can I throw the ball farther? How can I you know,
you might get this list better, or you know, how
can I be more explosive? You know, those are the
things that we're worried about on a day to day basis.
So having someone that can help you out behind the
scenes with with some of the new things that come
with college football is I.
Speaker 1: Think super important.
Speaker 4: Is something that all college athletes should should should have,
just someone who can support you in that way.
Speaker 2: Love that breakdown McKay looking forward to the UCF game
and getting a dub at Lavelle Edwards Stadium for all
the listeners. If you're looking to get that playbook at
band Orwealth to save money taxes at the end of
the year, it advise you to head on over to
Batterwealth Batterwealth Dot Complain last thing before we let you go.
What does the playbook contain in order to help these
individual listeners save money on their taxes at the end.
Speaker 3: Of the year.
Speaker 1: Well, we give some pay studies. We talk about for example,
real estate bonus deppreciation. If you have some passive games.
Maybe you're a real estate owner and you've got some
rental income and you want to offset that income through
bonus appreciation. We have some pay studies around what oil
and gas investments will do to a tax and investment plan.
We give some everyday deductions that people can make, whether
you're a business owner or even just a standard filer.
We talk about the impact of roth conversions maybe at
the end of the year, and so we actually go
through ten different paye studies that will likely apply to
many listeners and give a couple of strategies so that
they can make an assessment whether it applies to them.
And then of course you can reach out to our
CFP team here at Vanderwealth Management to talk specifics. That
way you can make an informed decision. But the Vanderwealth
Playbook contains ten different strategies and is applicable for business owners,
real estates owners, high income or high networth clients.
Speaker 2: Well, we appreciate you guys both hopping on. Shout out
to McKay BYU quarterback and Blaine for being our tax
moret wealth advisor here at ESPN.
Speaker 3: The fans, gentlemen, we'll see you this weekend.
Speaker 2: Thanks for hopping off for another let's talk about stats segment.
Speaker 1: Yeah, thank you, great, Thank you guys.
Speaker 2: All right, we'll see you guys soon. That was Blaine
Anderson and McKay Hillstad. Great segment brought to you by
Banterwealth btterwealth dot com. Get that tax more taxmart Wealth
Advisement playbook at Batterwealth batterwealth dot com. Today, let's go
to break, don't go anywhere more to get to This
is Cougar Sports on one of three, nine ninety point
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