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Speaker 1: Work at one ninety eight South eleven hundred East.

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Speaker 2: Dental Pros is a proud sponsor of Cougar Sports with

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Ben Crittle, Go Cougar's You were listening to ESPN the

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Fan your home of Utah Valley Athletics Stats.

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Speaker 1: Let's talk about stats. Ben Krettal and his team of

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former players and insiders give you the latest stats, data

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and analytics that are trending in the world of Cougar Sports.

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Speaker 3: Stats.

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Speaker 4: Welcome back Cougar Sports. One of three nine ninety eight

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point three is being a fan. I've been Crittal broadcasting

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from our Vanderwelth Studios vanderwel dot com. Get on that

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free Q and A, no obligation to invest Q and

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A with our tax more Wealth Advisors certify financial planners.

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Nobody does it better than Blaine Anderson and his crew.

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We're going to talk about some key stats of the day, football,

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basketball stats, and then we're gonna get to some financial

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stats as we always do to discuss it all. Why

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don't we welcome in Blaine Anderson and Randall Jones, financial

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advisor in CPA at band Erwealth dot We're gonna welcome

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them in here momentarily so stay tuned. But a couple

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of things I want to get into is we're talking

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about the stats, the the analysis of these stats of

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the day. I want to delve into all nooks and

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Granny's Big Kugarora the by women's basketball team for obviously

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getting the win over the Utes. By the way, you

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can get fifty off menu price online pizza ords with

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the code BYU fifty.

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Speaker 3: That is my favorite discount BYU fifty.

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Speaker 4: Should we order a Papa John's pizza right now with

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a byrrow Oh? Okay, Utah locations only offer good tomorrow only.

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Speaker 3: I did not read day after any BYU went.

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Speaker 5: This is my favorite deal because I love barbecue chicken

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pizza from Papa John's. Okay, and so I get it

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instead of like a twenty dollars pizza, it's ten bucks

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and I get a nice large pizza.

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Speaker 3: Fifty sounds beautiful, sounds delicious.

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Speaker 4: Let's talk about some more key stats of the day

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with Blaine Anderson on the line right now.

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Speaker 3: Blaine, how thatck are you? Man? Thanks for joining us?

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Speaker 6: Oh? Thanks good to be here man. Always a pleasure.

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Speaker 3: Yeah.

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Speaker 4: I think we got Randall Jones as well. CPA over

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at Vanderwelth Randall, how you doing.

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Speaker 7: Brother, I'm good. Thanks, thanks for having me on. It's

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good to be here with you.

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Speaker 4: Yeah, always a pleasure, always a blessing. Talking some stats

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here on your Utah ESPN Radio network right now.

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Speaker 3: The stats of BYU.

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Speaker 4: Basketball not too good twenty and ten on the year.

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They're on a bit of a spiral as well, and

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they have not been able to win find a way

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to win in key games down the stretch of the

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back half of the season. Iowa State great win and

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that is a saving grace.

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Speaker 3: Towards the end of the season.

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Speaker 4: They're going to the NCAA Tournament, but the seeding looks

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like it could get a little bit sticky, with like

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eight nine to ten. See Joe Lunardi said that what

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they've done thus far the season allows them permits them

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to get into the NCAA Tournament, but they will not

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get if they lose to Texas Tech, our top ten

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team in the country. They will not get appropriate. They

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will not get great seating. When you look at it,

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like like if you much of our lives, I say

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on this show, much of the happiness that we have

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pertains to the expectations that we have. What were your expectations, Blaine,

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when you went into the season knowing that, hey, we've

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allocated a lot of money to the squad.

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Speaker 3: We don't know the number, you know.

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Speaker 4: Some people have prognosticated it's in that ten to fifteen

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million dollar range. We've allocated a lot of resources to

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the coaching staff. We got an MBA coaching staff. We

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herald it time and time again, that's a lot of resources.

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We got great facilities, and the expectations were sky high,

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and I don't know if they're going to meet that bar.

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Your thoughts on expectations versus productivity this season and how

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that maybe the term is the happiness of.

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Speaker 3: A fan base.

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Speaker 6: Yeah, well, I'm sure I'm similar to many BYU basketball fans.

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I had high expectations. I was drinking the kulid quite

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a bit, thinking aspirations of potentially a Final four bid,

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hoping we could improve on last year, maybe crack the

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Elite eight. But I got to admit I've tempered these

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expectations quite a bit. I'm a bit concerned even about

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the Big Twelve tournament. I thought we'd see a lot

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after the Cincinnati game, but seeing what we did, I'd

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be lying if I said I wasn't a bit worried

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and I'd love to just see us get back to

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the sweet sixteen like we did last year.

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Speaker 4: At this point, it'd be great. Just don't be a

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one and done in the NCAA tournament. Right to me,

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quota right now has changed. It's round of thirty two.

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Get to the round of thirty two stat of the

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day if you overachieve it and you get to the

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sweet sixteen. To me, that is a tremendous season. Considering

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the season ending injuries. We have so many of them.

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You list them off, and it's just maddening. Nate Pickens

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was the first, Then it was Dawson Baker right then

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it was Brody Koslowski, then it was Xavian Staden, and

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then finally the cherry on top, number five was Richie Saunders.

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Speaker 3: Five.

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Speaker 4: That's a key stat of a five season ending injuries.

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Three of those guys most definitely starter rotational players, with.

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Speaker 3: A fourth that was borderline rotational player in Brody Koslowski.

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Pretty devastating.

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Speaker 4: Does that give a little bit of grace to this

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coaching staff and this program that has allocated so many

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resources this year to this roster and this coaching staff.

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Speaker 6: I think it does some. But with the lineup that

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we have still with AJ, with Rob Wright, some of

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these other guys, to me, it's still been a bit

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of a disappointment though, I mean I understand the injuries.

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Yes it does, I think give a bit of an excuse.

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But for me personally, as I think about it, I'd

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like to see us doing better and still think we

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have the lineup to do better than we are.

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Speaker 4: Let me ask you this. You're around a lot of

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the big time donors there at b YU. You've been

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a part of the lives of the student athletes for

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a while. Now they're at b YU interacting with the

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high rollers of the BYU world. When they see allocation

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of funds at IL et cetera. You know, the have

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corporate sponsorship, et cetera, all those things, and they don't

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meet the standard. Maybe in the expectation, do donors retract

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a little bit? Do you think the b YU donor

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base is going to retract a little bit? Say, hey,

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well we learned our lesson, we got burned. We're not

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gonna that we didn't get the ROI. You know, you's

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a key acronym and the investing in wealth management world

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was the ROI. We didn't get the ROI that we wanted.

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Do you think there's going to be any repercussion? Do

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you think that BYU fans, corporate sponsors, donors, the collective contributors,

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they stay loyal, strong and true and keep the faith.

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Speaker 6: Well, you know, you talk about leeway, and certainly this,

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of course is just from my perspective, both personally, but

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also with some of my friends and people that I

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know that have contributed to the program. I would say

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there is a little bit of leeway here. And yes,

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enthusiasm does pick up when we're winning and people get

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a little more excited. But this is my personal opinion,

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the quality of our student athletes and the connections that

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are made that does carry over and give us some

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more leeway, especially when we have some constriction or maybe

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some downtimes when it comes to wins. So my answer

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would be the quality of the student athletes, and certainly

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the ones that I've interacted with, they buy some time

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and some leeway because it's much more than just wins

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and losses. And I've seen that firsthand. That's been my experience,

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and I think it does.

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Speaker 3: Buy some time love that. Let's let me bring Raindel

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in here.

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Speaker 4: Let me start off with you for some financial awareness stats.

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A lot of people think, once your tax return, I know,

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we're talking about returns here, we're talking about return on investment.

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We're talking about tax mark planning here as well. Tax

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return is filed, that's the end of the story. But

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you've said, I believe that where the planning maybe should begin.

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Speaker 3: Give us some detail on that.

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Speaker 6: Yeah, for sure.

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Speaker 7: I mean people get concerned and rightfully so, about getting

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their tax returns filed on time and getting their taxes paid.

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But once that's done, there should be particularly with you know,

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with people that are that are bigger investors, have you know,

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resources and more income sources, there should be some tax

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advisory or some tax strategy that goes into furring taxes

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and figuring ways to defer income taxes or to pay

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taxes in lower bracketed ranges rather than high bracketed ranges.

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At some point or at some point, it's difficult to say, hey,

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you can you can mitigate your taxes by doing certain things.

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But there are certain things you can do to reduce

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your tax liability and to do it, you know, within

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the realm of the IRS Code and making sure that

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you're compliant and doing everything in a legal way. But

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certainly there are strategies that you can identify, things that

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you can do to mitigate your tax liability and if

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nothing else, defer tax liability to later years. It's always

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better to pay later than it is now, and it's

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even better to defer and pay later in lower brackets

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than you might be paying now. So there are certainly

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things that you can do to mitigate and to strategize

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as it relates to your income taxes.

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Speaker 4: Yeah, a lot of people just file taxes though you

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know they may file their own taxes, are they and

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may they may be using a CPA. What are the

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benefits of maybe utilize using the specialty of a CPA,

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the experience of a CPA rather than just you know,

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trying to save money on the filing yourself and doing

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it through any number of software systems out there.

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Speaker 7: Would you say, yeah, I think the benefit that you

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get in using a qualified CPA or someone who specializes

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in tax strategy is the advisory services that you can get.

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You know, as people, particularly as they get close to

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retirement age, they're looking for opportunities to defer their income.

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They're in a bigger tax bracket than maybe they've been

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in prior years because their earnings are up, or they

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have more investment income or business income, and so looking

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for opportunities to mitigate your tax liability by using different strategies,

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by using advisory services. There's lots of different things that

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you can do relative to to to having that goal

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or or accomplishing that goal. So yeah, certainly taxed by

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or intact strategy is key to that.

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Speaker 4: Blaine trained Blaine Anderson, NFLPA, sort of f financial blender

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who benefits from the type of analysis we're talking about

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and having a specialist on your side.

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Speaker 6: I would say to people that can benefit most are

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often successful investors, business owners, retirees. In many cases, these

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are a credit investors that have accumulated some assets, and

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many of them assume that everything's already been optimized. But

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when we review their return or when we find opportunities

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that they weren't aware of, things related to invest in

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income or distributions, business productions, long term tax strategies, these

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things really start to add up. And it's a pleasure

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joining today with Randall. Him and I have worked mutually

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together on multiple client cases, and I've seen many of

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the strategies he implements to help defer taxes or help

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to offset income. And so it's great for business owners.

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It's great for those that are getting ready to reta

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that are going to start taking money out and using

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their retirement accounts. These are the people that are gonna

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benefit most.

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Speaker 3: Love that.

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Speaker 4: Uh and uh, look we're getting into that tax season.

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Speaker 3: People are filing et cetera. And Uh.

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Speaker 4: I always say, you want to keep you want to

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keep money, uh, so you can invest it and eventually retire.

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Speaking of money though, b YU Athletics, let me give

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another stat here BA Athletics record this year in their

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major sports basketball, football. I mean they're they're really good.

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Versus the University of Utah. I always say, hey, uh,

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the there's enmity between you know, neighbors sometimes the keeping

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up with the Joneses. It's what what's It's what fuels

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college athletics is your rivalries, you know, the neighborly rivalries.

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Speaker 3: Right now with the win.

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Speaker 4: Over the Utes with the Lady Coogs, Uh, we're beating

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up on our rivals a little bit. How sweet is

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it for for b YU fans right now, just to

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feel that dominance, the pendulum swinging over to by you

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ride now, Blaine, Oh, we're loving it.

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Speaker 6: I mean it was. It was back the other way

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there for a few years. But it feels nice being

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back on our side of the fence. As you said,

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you know, we love wins. We need winning seasons, we

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like winning records. But it certainly helps. And it's an

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extra win every time it's against Utah and so couldn't

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be sweeter.

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Speaker 4: It feels good, no doubt about a couple of leave

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things before we let you go, and we appreciate you

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guys hopping on for a little. Let's talk about stats

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segment right now. What are you guys offering maybe to

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the listeners who want to learn more about Banterwealth and

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the products the services that you guys provide. Obviously you

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have the financial wellness financial wealth management side of thing.

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Speaker 3: It's side of things.

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Speaker 4: You you you interject that with the tax smart wealth

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advisement and tax planning with the CPA.

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Speaker 3: Give us some details.

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Speaker 6: Well, we always want to work with a client's existeeing CPA.

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That's part of a true wealth management strategy, part of

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our commitment to the tax planning and the integration of

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tax and wealth management is working with folks like Randall.

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Randall's been a CPA for thirty five plus years, very

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well experienced, and what we do on behalf of clients

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look at your tax return, We'll look for some blind spots,

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we'll help to identify some opportunities. Randall is one of

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the best in the business when it comes to this

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and he's a CPA professional that also contributes to this process.

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We'll also do a lifetime tax analysis that will help

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people to see what their lifetime tax projections look like

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most recent tax return or to do a projection on

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started with a well balanced wealth management plan. And you

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can get access or receive a free analysis by visiting

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our band orwealth Dot com website through the contact usk

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page and sharing with us what you'd like to do

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and how we can assist.

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Speaker 3: Gentlemen.

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Speaker 4: Appreciate you hopping on. We invite everyone to check it out.

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Check it all out at Bantererwealth banterwealth dot com. Thanks

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so much, Blaine, appreciate you and thanks so much, Randall.

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Speaker 7: Thank you for having me.

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Speaker 4: Yes, thank you, Thank you guys. Bantererwealth banterwealth dot com.

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A couple of other key stats here.

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Speaker 3: Check this out.

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Speaker 4: BAU freshman golfer key Hey Aquina has earned an invitation

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to compete in the PGA Tours Puerto Rico Open. A.

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Caina fired a four under par sixty eight, positioning him

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positioning himself into too a tie for fourth place. Shout

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out to coach Scott Miller on the bag as Caddie

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love me some.

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Speaker 3: Look at b YU a golf school, maybe maybe.

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Speaker 5: The former Olympeak Night. I'm just saying it's a powerhouse.

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It's a power What do you guys golf do over

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at Alpine? Does I think you get? Do you guys

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practice at output?

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Speaker 6: No?

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Speaker 3: You what do you guys practice? Do you know practice? Okay,

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just checking.

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Speaker 5: I'm just just a lump comer.

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Speaker 4: I think b YU right now, and we'd have to

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check some of the other Olympic sports. Key stat of

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the day. I think b YU is five and oher

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in the major sports, basketball and football. Right football, you

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got the dub basketball over Utah. Utah two wins in

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men's basketball, and now two wins were in women's basket.

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Speaker 3: Three wins, so we're that's six and.

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Speaker 5: B YU has dominated Utah on almost everything this year.

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I think women's gymnastics is the one sport that Utah

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is a.

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Speaker 3: Winning record over. By Yeah, this year.

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Speaker 5: Everything else, b YU has either swept or tied the

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season series.

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Speaker 3: It's crazy man, crazy day. Got to get him in

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softball and baseball. Now, gotta get him in baseball.

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Speaker 5: It's baseball opening day, baseball today.

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Speaker 4: Yeah, let's go man, first pitch. Let's get it wrong.

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I know Vick's over there, excited. He's just he brought

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his baseball glove to work today.