1 00:00:00,840 --> 00:00:04,440 Speaker 1: If you're looking for spin, try a press release. If 2 00:00:04,440 --> 00:00:07,400 you want that true you're listening to it on one 3 00:00:07,440 --> 00:00:12,960 O three nine ninety eight three ESPN no pan stats. 4 00:00:14,359 --> 00:00:17,160 Let's talk about stats. Then, Credital and his team of 5 00:00:17,280 --> 00:00:18,440 former players. 6 00:00:18,039 --> 00:00:20,120 Speaker 2: And insiders give you the latest. 7 00:00:19,760 --> 00:00:23,079 Speaker 1: Stats, data and analytics that are trending in the world 8 00:00:23,160 --> 00:00:26,920 of Cougar Sports stats. 9 00:00:28,160 --> 00:00:30,079 Speaker 3: Welcome back Cougar Sports one of three nine ninety eight 10 00:00:30,079 --> 00:00:33,600 point three esp In the ban I've been critical broadcasting. 11 00:00:33,000 --> 00:00:34,880 Speaker 2: From our betterwealth studios Beantawealth dot com. 12 00:00:34,920 --> 00:00:36,600 Speaker 3: Get on that free Q and A no obligation to 13 00:00:36,679 --> 00:00:39,079 invest Q and A with our tax more wealth advisors 14 00:00:39,119 --> 00:00:40,280 certify financial planners. 15 00:00:40,280 --> 00:00:42,240 Speaker 2: Nobody does it better than Blaine Anderson and his crew. 16 00:00:42,320 --> 00:00:43,399 They want to help you build wealth. 17 00:00:43,439 --> 00:00:45,640 Speaker 3: They want to band together and let your money work 18 00:00:45,640 --> 00:00:48,240 for you rather than you always working for your money. 19 00:00:48,399 --> 00:00:48,479 Speaker 4: UH. 20 00:00:48,799 --> 00:00:50,399 Speaker 3: So do it the right way. Get on a free 21 00:00:50,479 --> 00:00:52,600 Q and A with betterwealth beetterwealth dot com. Let's talk 22 00:00:52,640 --> 00:00:56,640 about stats in this segment. It'll be a batter wealth segment. Obviously, 23 00:00:56,679 --> 00:01:00,399 we want to talk a few things about this BAU 24 00:01:00,640 --> 00:01:04,439 basketball team and uh and then get into some wealth 25 00:01:04,519 --> 00:01:06,519 management numbers as well. 26 00:01:06,560 --> 00:01:07,640 Speaker 2: We're getting towards the end. 27 00:01:07,799 --> 00:01:08,000 Speaker 4: Uh. 28 00:01:08,200 --> 00:01:10,959 Speaker 3: Well, we're getting towards more tax season, right, we're finally 29 00:01:11,000 --> 00:01:13,719 our taxes and uh uh many of us we get 30 00:01:13,719 --> 00:01:15,439 into a situation where like, man, I probably should have 31 00:01:15,480 --> 00:01:16,959 prepped a little bit better, probably should have met with 32 00:01:17,040 --> 00:01:19,480 my CPA, probably should have well met with my my 33 00:01:19,719 --> 00:01:22,480 financial planner a little bit because I'm having to pay 34 00:01:22,519 --> 00:01:23,640 too much to Uncle Sam. 35 00:01:23,680 --> 00:01:24,920 Speaker 2: No offense to Uncle Sam. 36 00:01:25,280 --> 00:01:25,439 Speaker 4: Uh. 37 00:01:25,599 --> 00:01:28,480 Speaker 3: You know they they they're very good at spending money, 38 00:01:28,519 --> 00:01:30,920 our money in a number of ways. Uh, But you 39 00:01:30,920 --> 00:01:32,519 don't want to you don't want to give them too much. 40 00:01:32,640 --> 00:01:33,760 Speaker 2: Okay, let's be honest. 41 00:01:33,799 --> 00:01:37,799 Speaker 3: Stuff, because they're not always judicious with how they're spending 42 00:01:38,040 --> 00:01:40,000 your tax dollars. 43 00:01:40,480 --> 00:01:41,879 Speaker 2: Uh. So Uh, it's. 44 00:01:41,719 --> 00:01:44,719 Speaker 3: Important to to to save as much as that money 45 00:01:44,719 --> 00:01:48,400 as possible in the legal and lawful way of doing such. 46 00:01:48,480 --> 00:01:50,719 And that's why you got to align yourself with band 47 00:01:50,760 --> 00:01:54,000 orwealth band orwealth dot com. Okay, So I want to 48 00:01:54,040 --> 00:01:57,200 get into a key stat I mentioned. 49 00:01:57,760 --> 00:01:58,560 Speaker 2: That, Uh. 50 00:01:58,640 --> 00:02:02,079 Speaker 3: You know, Dean Ruger, the EYU basketball commitment is one 51 00:02:02,079 --> 00:02:06,599 of the rising stars of the recruiting world right now, 52 00:02:06,959 --> 00:02:09,719 really really good basketball player from tim Few High school. 53 00:02:10,039 --> 00:02:14,319 One school, though the number one school is building momentum 54 00:02:14,360 --> 00:02:17,439 with five star Bruce Branch the third. If you don't know, 55 00:02:17,680 --> 00:02:22,080 Bruce Bantch took a nice little visit to Brigham recently, 56 00:02:22,240 --> 00:02:24,639 so let's see how it all turns out. Bruce Branch 57 00:02:24,719 --> 00:02:27,360 third made the decision to reclassify up from the twenty 58 00:02:27,400 --> 00:02:30,520 twenty seven class into that twenty twenty six recruiting cycle. 59 00:02:30,719 --> 00:02:33,759 The five stars small Ford and recent McDonald's All American 60 00:02:33,879 --> 00:02:36,319 is now the number thirteen overall player. 61 00:02:36,080 --> 00:02:38,360 Speaker 2: In the twenty twenty six Rivals one fifty. 62 00:02:38,400 --> 00:02:41,960 Speaker 3: That puts Dean rukerd at forty two and Bruce Branch 63 00:02:42,039 --> 00:02:45,039 the Third at number thirteen. So if you get Bruce 64 00:02:45,039 --> 00:02:47,439 Branch this recruiting class looking, might I fine? 65 00:02:48,439 --> 00:02:49,719 Speaker 2: Very dapper if you will. 66 00:02:50,159 --> 00:02:53,199 Speaker 3: He has not publicly announced a top group of schools, 67 00:02:53,599 --> 00:02:57,919 and the prolific Florida Prep Wing recently took his first 68 00:02:57,960 --> 00:03:01,280 official visit BYU. Got that visit the weekend of January 69 00:03:01,319 --> 00:03:04,960 twenty six. Speaking with sources, says Jamie Shaw of Rivals 70 00:03:05,240 --> 00:03:09,599 around his recruitment. The school I continue to hear most 71 00:03:09,599 --> 00:03:10,639 about is. 72 00:03:12,080 --> 00:03:12,759 Speaker 2: BYU. 73 00:03:13,120 --> 00:03:16,639 Speaker 3: A Ah, yeah, buddy, I'm told the Cougars have continued 74 00:03:16,680 --> 00:03:19,120 to build momentum over the last couple of months, as 75 00:03:19,159 --> 00:03:23,759 Branch has paid attention to aj D sponsors. While there 76 00:03:23,840 --> 00:03:27,919 is mutual interest between the two parties, I am told 77 00:03:28,280 --> 00:03:30,919 this recruitment is not done yet. USC and Kansas are 78 00:03:30,960 --> 00:03:33,479 the other schools that are hot on the trail getting 79 00:03:33,520 --> 00:03:34,759 after first bench the third. 80 00:03:34,759 --> 00:03:38,319 Speaker 2: They have recently been mentioned to me by some sources. 81 00:03:39,039 --> 00:03:41,240 Speaker 3: Branch has mentioned a few times that he does not 82 00:03:41,360 --> 00:03:44,800 plan on making a decision till after the Chipotle Nationals, 83 00:03:44,960 --> 00:03:48,719 which is April second through the fourth this year. That 84 00:03:48,800 --> 00:03:51,560 lays out a similar March April time frame that I 85 00:03:51,599 --> 00:03:52,759 have heard from sources. 86 00:03:52,840 --> 00:03:55,560 Speaker 2: When Rivals spoke with Branch in December, he. 87 00:03:55,680 --> 00:03:59,120 Speaker 3: Mentioned that he wanted to eventually take three to five visits, 88 00:03:59,159 --> 00:04:01,800 depending on who is interested in who he is interested 89 00:04:01,879 --> 00:04:05,639 in recruiting. This cycle has been very fluid and this 90 00:04:05,719 --> 00:04:08,960 recruitment feels a little slower moving, So continue to watch 91 00:04:09,080 --> 00:04:12,719 as visits and visits schedules and commitment time for him 92 00:04:12,759 --> 00:04:16,360 to become more clear. Jamie Shad goes on, I would 93 00:04:16,399 --> 00:04:19,839 also not rule out other schools possibly jumping into the mix. 94 00:04:19,879 --> 00:04:22,079 The early signing period for the men's Division one college 95 00:04:22,079 --> 00:04:25,720 basketball ran from November twelfth, twenty twenty five through November nineteen, 96 00:04:25,720 --> 00:04:28,240 twenty twenty five. The late signing period for the twenty 97 00:04:28,279 --> 00:04:32,800 twenty sixth class Well will open on April fifteenth, twenty 98 00:04:32,879 --> 00:04:34,800 twenty six. What Bruce Branton third is looking for in 99 00:04:34,800 --> 00:04:35,920 a school. This is what he had to say in 100 00:04:35,959 --> 00:04:40,079 a previous conversation with rivals. Bruce brans third is describe 101 00:04:40,120 --> 00:04:43,480 what is most important to him with his college decision. Honestly, 102 00:04:43,680 --> 00:04:47,519 a plan, he stated. Relationships are my big thing, but 103 00:04:47,720 --> 00:04:50,879 having a plan is important. Everyone wants to know what 104 00:04:51,240 --> 00:04:54,360 they're doing that plan to get me to the next level, 105 00:04:54,639 --> 00:04:58,399 and that's the main thing I'm focused on. You gotta 106 00:04:58,439 --> 00:05:01,720 have a plan in anything. What about a financial plan? 107 00:05:01,759 --> 00:05:06,199 What about a wealth advisement plan. Let's welcome in Joe Holloway, 108 00:05:06,240 --> 00:05:09,600 CPA and wealth strategist for Bandwealth to discuss a little 109 00:05:09,600 --> 00:05:15,079 bit more about what financial plans people should have in February, 110 00:05:15,439 --> 00:05:17,240 in March and April, Joe, how the heck are. 111 00:05:17,120 --> 00:05:17,480 Speaker 2: You, buddy? 112 00:05:17,560 --> 00:05:19,040 Speaker 4: Yeah, great to be here. Thanks. Ben. 113 00:05:19,160 --> 00:05:21,439 Speaker 3: Always a pleasure, man, I appreciate you hopping on. What's 114 00:05:21,480 --> 00:05:24,839 that Maybe some of the things that you discussed with 115 00:05:24,920 --> 00:05:27,199 your clients around this time of the year. 116 00:05:27,319 --> 00:05:27,560 Speaker 2: Joe. 117 00:05:27,879 --> 00:05:30,319 Speaker 5: Yeah, first off, it's just kind of doing the recap, right. 118 00:05:30,360 --> 00:05:32,279 A lot of people wait until this time of year 119 00:05:32,319 --> 00:05:34,639 to look back at the previous year, and we want 120 00:05:34,680 --> 00:05:36,399 to stay on top of that. So not only is 121 00:05:36,399 --> 00:05:38,680 it correcting some of those mistakes and making all the 122 00:05:38,680 --> 00:05:42,079 adjustments that we can, but being proactive about the ongoing strategy. 123 00:05:42,439 --> 00:05:43,480 Speaker 2: Being proactive. 124 00:05:43,519 --> 00:05:47,800 Speaker 3: Proactive problem solving is always greater than reactive problem solving, 125 00:05:47,800 --> 00:05:51,759 in my opinion. What surprises a lot of people the 126 00:05:51,839 --> 00:05:55,279 most when they're like getting into this situation where they're 127 00:05:55,319 --> 00:05:58,759 filing taxes. Business owners are looking at their p and 128 00:05:58,879 --> 00:06:01,160 ls all of a sudden there like, by my book keeping, 129 00:06:01,199 --> 00:06:02,000 how good was it? 130 00:06:02,040 --> 00:06:04,600 Speaker 2: What am I looking at? What are some of the surprises? 131 00:06:04,720 --> 00:06:07,079 Speaker 5: Yeah, I know, you're exactly right, And frankly, a lot 132 00:06:07,079 --> 00:06:08,959 of the surprises are just in how much money they 133 00:06:09,000 --> 00:06:10,759 actually made. I mean, when you add up your W 134 00:06:10,920 --> 00:06:13,680 two and your K ones and your you know everything else, 135 00:06:13,720 --> 00:06:15,639 and you go, dang, I've made a lot of money 136 00:06:15,639 --> 00:06:16,839 this year. Now I got to pay a lot of 137 00:06:16,879 --> 00:06:19,360 taxes or the reverse, and I didn't make as much 138 00:06:19,360 --> 00:06:21,040 as I had planned. How do I make up for it? 139 00:06:21,120 --> 00:06:23,360 So really it's just getting those numbers straight, you know, 140 00:06:23,399 --> 00:06:25,480 at the top and then figuring out your strategy based 141 00:06:25,519 --> 00:06:25,720 on that. 142 00:06:26,079 --> 00:06:29,360 Speaker 3: So I guess how should uh? What's the plan? What's 143 00:06:29,399 --> 00:06:31,000 the best way to approach? 144 00:06:31,720 --> 00:06:32,000 Speaker 2: Uh? 145 00:06:32,079 --> 00:06:36,079 Speaker 3: You know, a tax smart wealth advisement type of plan 146 00:06:36,120 --> 00:06:37,040 at band or Wealth. 147 00:06:37,399 --> 00:06:38,000 Speaker 2: UH with you. 148 00:06:38,240 --> 00:06:40,959 Speaker 3: There's a couple of CPAs there within Banderwealth as an 149 00:06:41,000 --> 00:06:44,879 extension of the wealth management side of things that Vanderwealth 150 00:06:44,879 --> 00:06:46,439 and the financial planning side of things. 151 00:06:46,720 --> 00:06:49,000 Speaker 2: Uh. Where do you guys interjected and and. 152 00:06:48,959 --> 00:06:52,920 Speaker 3: Play a part with the the clients that Vanderwealth has. 153 00:06:53,040 --> 00:06:54,160 Speaker 4: Yeah, that's a great question. 154 00:06:54,199 --> 00:06:56,319 Speaker 5: And you know Blaine has been on here a few 155 00:06:56,319 --> 00:06:58,839 times and we've probably heard from him. And the financial 156 00:06:58,879 --> 00:07:01,040 planner in the well side is really like building that 157 00:07:01,439 --> 00:07:03,720 plane or you know, building the vehicle that's gonna go 158 00:07:03,759 --> 00:07:04,800 and take you where you want to go. 159 00:07:05,399 --> 00:07:06,959 Speaker 4: The accountants in the role that we. 160 00:07:06,839 --> 00:07:09,480 Speaker 5: Play is making sure that it's constructed correctly, that it's 161 00:07:09,519 --> 00:07:13,079 operating efficiently, and that you're not leaking fuel or losing 162 00:07:13,120 --> 00:07:15,639 things along the way. To maintain because as we all know, 163 00:07:15,680 --> 00:07:17,920 the tax code can change. Things can change, and so 164 00:07:18,000 --> 00:07:22,199 you want somebody who's continuously monitoring those stats and those 165 00:07:22,199 --> 00:07:24,279 things to keep you in line. And so when we 166 00:07:24,319 --> 00:07:28,199 talk about you know, retirement deductions and contributing to that 167 00:07:28,279 --> 00:07:31,120 four one k or that solo four one k, depending 168 00:07:31,120 --> 00:07:33,480 on whether you're a W two employee or a small 169 00:07:33,519 --> 00:07:36,560 business owner, it's knowing how all those pieces fit together 170 00:07:36,839 --> 00:07:37,839 to stay on that track. 171 00:07:38,879 --> 00:07:41,199 Speaker 3: You know, I thought I saw something come across my desk. 172 00:07:41,360 --> 00:07:44,639 I'm a small business owner myself, and I was like, 173 00:07:44,720 --> 00:07:46,600 I'm trying. I'm a small I have a small family 174 00:07:46,639 --> 00:07:49,680 to two kids with one other way, is there an 175 00:07:49,720 --> 00:07:51,279 incentive plan now to have kids? 176 00:07:51,600 --> 00:07:52,000 Speaker 4: There is? 177 00:07:52,079 --> 00:07:52,279 Speaker 2: Yeah? 178 00:07:52,319 --> 00:07:55,879 Speaker 3: What Oh yeah, buddy, Ronald, let's have some more babies. 179 00:07:55,879 --> 00:07:57,000 Speaker 2: We're gonna get paid for it. 180 00:07:58,040 --> 00:07:59,519 Speaker 4: That's okay with the one right now. 181 00:08:01,360 --> 00:08:03,839 Speaker 5: Yeah, No, that's just you know, one of the things 182 00:08:04,360 --> 00:08:06,120 you know that you can take advantage of for the 183 00:08:06,160 --> 00:08:08,759 prior year. But as you're planning forward, you know, family 184 00:08:08,839 --> 00:08:11,040 changes and all those factor in. So when you're looking 185 00:08:11,040 --> 00:08:13,800 at what deductions can you take and how you plan accordingly. 186 00:08:14,360 --> 00:08:15,879 There's lots of ways to go about it, and the 187 00:08:16,120 --> 00:08:17,879 key is starting early and making that plan. 188 00:08:18,639 --> 00:08:21,720 Speaker 3: Got to have a plan. Without a plan, you perish, right. 189 00:08:21,800 --> 00:08:24,360 You got to have a tax more wealth advisor plan 190 00:08:24,839 --> 00:08:28,040 how proactive. How can proactive tax plan increase maybe that 191 00:08:28,160 --> 00:08:28,959 long term wealth? 192 00:08:28,959 --> 00:08:31,560 Speaker 5: Would you say, yeah, I mean, just as an example, 193 00:08:32,200 --> 00:08:34,600 you know, I'll give you an example of a business 194 00:08:34,600 --> 00:08:36,159 owner that I work with, and you know, a lot 195 00:08:36,200 --> 00:08:38,000 of business owners are going to be familiar with the 196 00:08:38,279 --> 00:08:42,519 question of LLC versus es corp versus sole proprietor. With 197 00:08:42,600 --> 00:08:44,879 one client that we worked with, we just restructured his 198 00:08:45,080 --> 00:08:48,600 LLC to an escorp to optimize their retirement contributions, and 199 00:08:48,600 --> 00:08:51,720 then we implemented you know, good books, expense tracking, et cetera. 200 00:08:52,039 --> 00:08:53,879 And just in the first year saved about thirty five 201 00:08:53,919 --> 00:08:56,120 thousand dollars. And that's a good amount. But when you 202 00:08:56,159 --> 00:08:59,279 extrapolate that over ten years of tax planning along with interest, 203 00:08:59,279 --> 00:09:02,720 et cetera, you're talking about a significant portion of your retirement. 204 00:09:03,399 --> 00:09:06,960 Speaker 3: Yeah, it's uh, you know, So give me the idealistic, 205 00:09:07,159 --> 00:09:10,559 like process, like if we were to create a game 206 00:09:10,600 --> 00:09:14,600 plan for those those business owners. Give me kind of 207 00:09:14,639 --> 00:09:17,759 a sequential approach of what the year looks like, what 208 00:09:17,799 --> 00:09:20,840 the book keeping looks like, what role the band or 209 00:09:20,879 --> 00:09:23,960 wealth financial management team. I know this can be complicated, 210 00:09:24,279 --> 00:09:26,120 but I know you guys have a really good system 211 00:09:26,120 --> 00:09:29,279 in place and the role that the CPA bookkeeping component 212 00:09:29,279 --> 00:09:30,200 of Banterwealth is. 213 00:09:30,159 --> 00:09:31,000 Speaker 2: Playing in all this. 214 00:09:31,240 --> 00:09:33,720 Speaker 3: Yeah, yeah, no, And I remember a timeline standpoint because 215 00:09:33,759 --> 00:09:35,519 like I think people just need to know, like, okay, 216 00:09:35,559 --> 00:09:37,639 like how often am I meeting with these guys? 217 00:09:37,639 --> 00:09:40,399 Speaker 2: What am I talking about? What are the strategic initiatives, 218 00:09:40,399 --> 00:09:40,799 et cetera. 219 00:09:41,000 --> 00:09:43,399 Speaker 5: Yeah, exactly right, And I would say, you know, for 220 00:09:43,720 --> 00:09:46,039 those folks that really want to create a strategic plan, 221 00:09:46,080 --> 00:09:48,679 if you're not meeting at least quarterly to review that 222 00:09:48,720 --> 00:09:50,840 plan kind of first off, that's what we talk about. 223 00:09:51,000 --> 00:09:53,159 And so when we get on this first meeting, obviously 224 00:09:53,200 --> 00:09:55,399 when we want to understand where you're coming from, understand 225 00:09:55,399 --> 00:09:56,159 where the goals are. 226 00:09:56,440 --> 00:09:58,200 Speaker 4: But it's designing that plan for you. 227 00:09:58,279 --> 00:10:00,600 Speaker 5: And so part of that, especially for small busin and owners, 228 00:10:00,840 --> 00:10:02,720 is not only the setup, but the check ins. Like 229 00:10:02,759 --> 00:10:05,720 I said, at least quarterly if you're making quarterly estimated payments, 230 00:10:05,960 --> 00:10:08,120 knowing that how that's going to shake out, and then 231 00:10:08,240 --> 00:10:11,320 especially at midyear, kind of projecting that out and we're 232 00:10:11,360 --> 00:10:13,399 able to look at that from a tax side and 233 00:10:13,480 --> 00:10:17,120 really utilize Blaine's plans on the investment side to complement that. 234 00:10:17,240 --> 00:10:20,200 So whether it's you know, making creative decisions in our 235 00:10:20,200 --> 00:10:22,759 investments to where we can write off losses, et cetera. 236 00:10:23,080 --> 00:10:25,559 That's where kind of the plan fully comes together to 237 00:10:25,720 --> 00:10:27,879 optimize for that tax bill at the end of the year. 238 00:10:27,919 --> 00:10:29,440 Like you said, we don't want to pay Uncle Sam 239 00:10:29,440 --> 00:10:30,879 too much. We want to do our part, but we 240 00:10:30,919 --> 00:10:32,759 want to keep as much as we can legally. 241 00:10:32,840 --> 00:10:36,039 Speaker 3: For sure, should someone hire a CPA if they're just 242 00:10:36,120 --> 00:10:40,519 kind of a W two employee or is it. 243 00:10:40,559 --> 00:10:42,480 Speaker 2: Of need or is this only for business owners? 244 00:10:42,600 --> 00:10:44,960 Speaker 5: Yeah, great question, you know, and I get that a 245 00:10:44,960 --> 00:10:47,200 lot obviously from friends and family. And you know, of course, 246 00:10:47,240 --> 00:10:49,919 if you're a W two employee, simple, you know, not 247 00:10:50,080 --> 00:10:52,759 much going on. Turbo tax h and R block those 248 00:10:52,799 --> 00:10:54,960 can those can definitely be sufficient. But when you get 249 00:10:55,000 --> 00:10:57,440 into one fifty above two hundred k and above, there's 250 00:10:57,480 --> 00:10:59,279 a lot of options that you have just in how 251 00:10:59,320 --> 00:11:02,519 you invest, how you create. You know, even side hustles 252 00:11:02,559 --> 00:11:04,440 like an LLC can help you write off some of 253 00:11:04,480 --> 00:11:07,759 that income without you too much trouble. And so you know, 254 00:11:07,799 --> 00:11:10,399 below that maybe there's an administrative burden that you know 255 00:11:10,559 --> 00:11:11,240 is not going to be. 256 00:11:11,159 --> 00:11:11,919 Speaker 4: Worth the setup. 257 00:11:12,080 --> 00:11:14,519 Speaker 5: But as you get to those different levels, it's certainly 258 00:11:14,559 --> 00:11:17,240 worth talking to an expert to explore that option and 259 00:11:17,240 --> 00:11:18,879 see if there's some potential savings there. 260 00:11:19,600 --> 00:11:19,840 Speaker 2: Yeah. 261 00:11:19,919 --> 00:11:23,720 Speaker 3: I have that conversation sometimes with people like, look, how 262 00:11:23,799 --> 00:11:24,399 much is it. 263 00:11:24,320 --> 00:11:27,639 Speaker 2: To file taxes with a CPA. 264 00:11:26,840 --> 00:11:29,799 Speaker 3: As opposed to doing a TurboTax steal or something like that, 265 00:11:29,879 --> 00:11:32,759 Like there's increased cost whenever you're employing an expert in 266 00:11:32,759 --> 00:11:33,159 the field. 267 00:11:33,279 --> 00:11:33,600 Speaker 4: Totally. 268 00:11:33,679 --> 00:11:35,360 Speaker 5: Yeah, And what I tell folks is that it's really 269 00:11:35,360 --> 00:11:37,600 that level of security and peace, right. I mean, you 270 00:11:37,639 --> 00:11:39,639 can go and do your tuber tax, you know, or 271 00:11:39,679 --> 00:11:41,960 whatever it is. I'm not trying to throw shade at that, 272 00:11:42,519 --> 00:11:44,440 but when you work with a partner, you know, especially 273 00:11:44,440 --> 00:11:47,799 the band or tax group, it's that constant communication and 274 00:11:47,840 --> 00:11:50,000 so it's knowing that if things do come up, you 275 00:11:50,080 --> 00:11:53,279 have somebody there to reach out to, and just having 276 00:11:53,279 --> 00:11:55,440 that expert on your side so that when you know, 277 00:11:55,559 --> 00:11:58,159 like I said, having that level of comfort, familiarity, and 278 00:11:58,200 --> 00:12:00,000 the knowledge of the plan to carry out those things 279 00:12:00,240 --> 00:12:01,960 that can be a bit more complicated than when you're 280 00:12:02,000 --> 00:12:02,720 doing it on your own. 281 00:12:03,039 --> 00:12:07,320 Speaker 3: Joe Holloway, CPA for Banderwealthbanderwealth dot com. I'm talking tax 282 00:12:07,360 --> 00:12:12,240 smart Wealth Advisement strategies here on your Utah ESPN Radio. Now, 283 00:12:12,279 --> 00:12:15,360 let's talk a little football stats, shall we. Look, we've 284 00:12:15,360 --> 00:12:18,960 been discussing RB two. Who's your favorite to become RB 285 00:12:19,080 --> 00:12:20,840 two behind LJ Martin this year? 286 00:12:20,840 --> 00:12:23,519 Speaker 2: And why? We got a list of players and. 287 00:12:23,559 --> 00:12:25,960 Speaker 3: There could be some new faces too that enter into 288 00:12:26,000 --> 00:12:29,879 the conversation. Shone, Mo, Joe Vessa, de Moony, Logan Payne, 289 00:12:30,200 --> 00:12:35,200 Devon Ecka, the Freshman, Preston Rex, Charles, Charlie Miska, Lucky Fee. 290 00:12:35,240 --> 00:12:37,720 Speaker 2: Now, I know you're a BYU guy. You know what 291 00:12:37,799 --> 00:12:39,480 I mean here? B why you graduate? 292 00:12:39,480 --> 00:12:42,120 Speaker 3: If I'm not mistaken, Joe, you've been monitoring the situation. 293 00:12:42,159 --> 00:12:44,720 We're all wondering who RB two's gonna be. We know 294 00:12:44,919 --> 00:12:49,440 LJ is RB one, the Steed, the thorough Bread, the 295 00:12:49,600 --> 00:12:53,759 baller Bruiser and some good top end speed. Now he's 296 00:12:53,759 --> 00:12:56,159 showing some bursts in that second or third level. But 297 00:12:56,200 --> 00:12:57,759 who's your favorite to comet RB two? 298 00:12:58,279 --> 00:12:59,279 Speaker 2: And why? Joe? 299 00:12:59,360 --> 00:13:01,200 Speaker 5: Yeah, I mean that's that's a great question. I really 300 00:13:01,200 --> 00:13:02,960 feel like Mo is a good option, you know, I 301 00:13:03,200 --> 00:13:05,879 think they have. It's unfortunately we don't have the spring 302 00:13:05,919 --> 00:13:08,759 portal coming up anymore. You know the way they've changed things, 303 00:13:08,759 --> 00:13:10,120 but I think MOS a good option. I want to 304 00:13:10,120 --> 00:13:12,320 see the high school backs out there. But I think 305 00:13:12,399 --> 00:13:14,519 at this day and age, you know, you look at 306 00:13:14,120 --> 00:13:17,600 a contender like Miami riding Foster all the way to 307 00:13:17,639 --> 00:13:19,720 the semi finals, I think LJ. Martin is going to 308 00:13:19,759 --> 00:13:22,080 be the workhorse there and we're really going to see, 309 00:13:22,279 --> 00:13:24,799 you know, a focus on that, a big physical offensive 310 00:13:24,799 --> 00:13:27,000 line and really just you know, pounding the ball there. 311 00:13:27,200 --> 00:13:28,440 Speaker 4: And so I think he's going to take a lot 312 00:13:28,440 --> 00:13:29,120 of that workload. 313 00:13:29,159 --> 00:13:30,919 Speaker 5: But you listed a lot of guys and I think 314 00:13:30,919 --> 00:13:33,000 it's up to the coaches during this spring, you know, 315 00:13:33,039 --> 00:13:36,120 spring football, spring practice to identify who that guy really 316 00:13:36,159 --> 00:13:38,320 is going to be, because especially coming in from high 317 00:13:38,360 --> 00:13:40,600 school and you know, it's like that contact makes it 318 00:13:40,639 --> 00:13:42,879 a whole nother ballgame. And so they may look great there, 319 00:13:42,879 --> 00:13:45,000 but really when they put the pads on, you know, 320 00:13:45,039 --> 00:13:46,960 at this level and really see who can take the 321 00:13:46,960 --> 00:13:49,080 contact and make plays is going to be a differentiator. 322 00:13:49,679 --> 00:13:50,360 Speaker 2: Remember LJ. 323 00:13:50,519 --> 00:13:53,600 Speaker 3: Martin did not participate in the bowl game, so we 324 00:13:53,639 --> 00:13:57,360 got a little clips of what RB two could look 325 00:13:57,480 --> 00:13:59,320 like without the LJ. 326 00:14:00,320 --> 00:14:00,600 Speaker 2: Train. 327 00:14:01,879 --> 00:14:05,639 Speaker 3: I guess Martin the Martin train right by versus Georgia 328 00:14:05,639 --> 00:14:08,559 Tech gave us a little glimpse of what our rushing 329 00:14:08,960 --> 00:14:12,440 attack would look like if LJ were to go down again. 330 00:14:12,799 --> 00:14:13,840 Speaker 2: By you got the win. 331 00:14:14,279 --> 00:14:17,720 Speaker 3: Okay, twenty five twenty one, a solid win versus a 332 00:14:17,799 --> 00:14:20,759 ranked opponent. Remember the Yellow Jackets were top twenty five 333 00:14:20,759 --> 00:14:23,440 in the nation. They were only a three loss team there. 334 00:14:23,600 --> 00:14:26,919 They had some close losses to formidable foes as well. 335 00:14:27,399 --> 00:14:31,679 So in that game, okay, you had Jovessa de Mooney 336 00:14:32,039 --> 00:14:34,840 with seven carries forty eight yards six point nine yards 337 00:14:34,840 --> 00:14:38,480 per carrying one touchdown. One would imagine if you gave 338 00:14:38,559 --> 00:14:41,399 him more totes, if you gave him more opportunities, he 339 00:14:41,440 --> 00:14:44,720 could have done a little bit more with those opportunities. Remember, 340 00:14:44,799 --> 00:14:50,679 Jovesa had risen to an RB two status before fumbling 341 00:14:51,480 --> 00:14:54,240 an opportunity, and he was sat on the pine and 342 00:14:54,320 --> 00:14:57,480 had to earn his way back into the lineup. Why 343 00:14:57,559 --> 00:15:00,399 isn't Jovesa a favorite amongst Cougar nation? 344 00:15:00,519 --> 00:15:01,919 Speaker 2: Did he not show well enough? 345 00:15:01,960 --> 00:15:04,679 Speaker 3: Did he not show a little bit of burst, a 346 00:15:04,679 --> 00:15:07,840 little bit of potential? There you wonder, I like Jovessa 347 00:15:08,320 --> 00:15:11,000 a little bit understize, maybe a little bit scatty for 348 00:15:11,240 --> 00:15:14,960 some BA fans liking six foot one ninety I will 349 00:15:15,039 --> 00:15:18,399 say that once upon a times, and I know, don't 350 00:15:18,440 --> 00:15:19,039 get mad at me. 351 00:15:19,159 --> 00:15:19,360 Speaker 2: Here. 352 00:15:20,440 --> 00:15:23,399 Speaker 3: Ronnie Jenkins, I think was smaller than that, but he 353 00:15:23,480 --> 00:15:26,320 was also much faster that. But Jovesa's got got some 354 00:15:26,440 --> 00:15:30,480 good speed to him, good burst, good athleticism. I thought 355 00:15:30,559 --> 00:15:35,000 he showcased well in his twenty twenty five showcase. Okay, 356 00:15:35,039 --> 00:15:37,080 he had nineteen carries one hundred eleven yards five point 357 00:15:37,080 --> 00:15:38,480 eight yards per carrying one touchdown. 358 00:15:38,639 --> 00:15:40,720 Speaker 2: He also had six receptions forty four yards. 359 00:15:41,159 --> 00:15:44,440 Speaker 3: I wouldn't sleep on Jovesa, and I also would not 360 00:15:44,559 --> 00:15:48,440 sleep on Logan Logan Pain either. 361 00:15:48,679 --> 00:15:48,759 Speaker 4: The. 362 00:15:50,399 --> 00:15:54,960 Speaker 3: Son of Matt Pain, the nephew of Mitch Pain. Both 363 00:15:54,960 --> 00:15:57,679 of them were kickers and specialists. Logan is a bit 364 00:15:57,679 --> 00:16:00,240 of a freight train at five to two twenty and 365 00:16:00,480 --> 00:16:03,960 I've been told he's one of the fastest players on 366 00:16:04,039 --> 00:16:05,440 the football team as well. 367 00:16:05,879 --> 00:16:07,120 Speaker 2: Nice top end speed. 368 00:16:07,120 --> 00:16:11,200 Speaker 3: You want to see some breakaway speed, you may get 369 00:16:11,240 --> 00:16:16,360 it from a guy like Logan Pain. If I'm not mistaken. Uh, 370 00:16:16,440 --> 00:16:19,759 his top end speed so mph. 371 00:16:20,080 --> 00:16:20,279 Speaker 2: Right. 372 00:16:20,360 --> 00:16:23,519 Speaker 3: They they test this stuff out in the offseason, and 373 00:16:23,559 --> 00:16:26,120 granted there could be some injured injured guys here, so 374 00:16:26,200 --> 00:16:27,679 take it with a grain of salt a little bit, 375 00:16:27,799 --> 00:16:32,159 not everyone who's full go. In the offseason workouts, he's 376 00:16:32,279 --> 00:16:38,159 ranked I believe number seven number no sorry, let me 377 00:16:38,200 --> 00:16:41,559 get this, let me get this thing accurate. Here he's 378 00:16:41,639 --> 00:16:45,919 ranked number eight, number eight on the team. 379 00:16:45,080 --> 00:16:47,759 Speaker 4: So pretty fast five to. 380 00:16:47,720 --> 00:16:52,279 Speaker 3: Twenty at that speed. So you know, he's faster uh 381 00:16:52,360 --> 00:16:54,399 than guys like uh. 382 00:16:54,240 --> 00:16:56,080 Speaker 2: Raider de Mooney. I mean not my much. 383 00:16:56,159 --> 00:16:57,879 Speaker 3: I mean this is these are like you're talking hundreds 384 00:16:57,919 --> 00:17:01,039 and tenths here. You're talking like you know, know these 385 00:17:01,080 --> 00:17:04,079 are you know, the stopwatches and things of that nature. 386 00:17:04,119 --> 00:17:07,440 There's some lasers here too. He's faster. He's faster than Jovest. 387 00:17:07,559 --> 00:17:11,119 Jovesta's fast too, though Jovesa's got some wheels. Jovets's top 388 00:17:11,160 --> 00:17:14,400 fifteen on the team from the reports that I've been receiving. 389 00:17:14,480 --> 00:17:17,200 So anyway, Uh, I'm intrigued. 390 00:17:17,319 --> 00:17:17,440 Speaker 1: Uh. 391 00:17:17,799 --> 00:17:19,160 Speaker 3: You know, we're gonna get to know the RB two 392 00:17:19,160 --> 00:17:22,400 a little bit better in springball. But I think it's 393 00:17:22,440 --> 00:17:25,680 a key uh key staut of the day. Who's RB 394 00:17:25,799 --> 00:17:29,680 two in high school? Logan Payne tallied. I want to say, 395 00:17:29,720 --> 00:17:32,240 were thirteen one hundred rushing yards one thousand and three 396 00:17:32,240 --> 00:17:36,480 and ninety yards rushing. So I am a person that 397 00:17:36,599 --> 00:17:39,160 looks at you know, what did you do in high school? 398 00:17:39,440 --> 00:17:42,799 How productive were you in high school? Jovesa did not 399 00:17:43,279 --> 00:17:45,920 play running back a whole lot. I don't think at 400 00:17:46,000 --> 00:17:49,759 Ridgeline he was more of a wide receiver at at 401 00:17:49,920 --> 00:17:55,440 At at Ridgeline, his junior year he he Italian eight 402 00:17:55,559 --> 00:18:00,319 hundred and thirty five yards okay rushing uh and four 403 00:18:00,400 --> 00:18:04,119 hundred and one yards receiving, and then converted to primarily 404 00:18:04,240 --> 00:18:08,119 a wide receiver. His senior year he only rushed for 405 00:18:08,200 --> 00:18:11,960 thirty three yards and received eight hundred and six yards. 406 00:18:14,319 --> 00:18:18,359 So you know, Scioni Moa who is the odds on 407 00:18:18,519 --> 00:18:23,440 favorite to be RB two because he's shown well at 408 00:18:23,559 --> 00:18:27,480 times in his when he's healthy, when he's strong, when 409 00:18:27,480 --> 00:18:29,359 he's nourished and strengthened. 410 00:18:29,279 --> 00:18:31,079 Speaker 2: He looks good. He looks really good. 411 00:18:31,119 --> 00:18:34,319 Speaker 3: But in his high school career, remember and we broached 412 00:18:34,359 --> 00:18:37,759 this a little bit yesterday, his junior and senior year 413 00:18:37,839 --> 00:18:40,880 rushing two hundred and forty four yards. He had a 414 00:18:41,359 --> 00:18:45,720 four and twenty three yard season in twenty nineteen, twenty twenty, 415 00:18:45,880 --> 00:18:50,000 his senior year at tim Few High School. So pretty 416 00:18:50,000 --> 00:18:52,799 impressive numbers, right, like you look at those numbers are okay, 417 00:18:53,519 --> 00:18:57,200 production in high school doesn't necessarily equate to production in college, 418 00:18:57,279 --> 00:18:59,480 but it's a good indicator of. 419 00:18:59,480 --> 00:19:01,359 Speaker 2: What you can do, especially if you're durable, If you're 420 00:19:01,400 --> 00:19:02,200 a durable back. 421 00:19:02,279 --> 00:19:05,039 Speaker 3: Your thoughts, your commentary to the b YU running back 422 00:19:05,079 --> 00:19:06,759 debate and running back Room. 423 00:19:06,799 --> 00:19:08,279 Speaker 5: Yeah, no, I mean, and I think it's a really 424 00:19:08,359 --> 00:19:12,039 interesting conversation, especially this day and age in college football, 425 00:19:12,079 --> 00:19:14,880 where you have some talented freshmen coming in, but you know, 426 00:19:15,000 --> 00:19:17,960 guys with potential like Moa, Well, you know LJ is 427 00:19:17,960 --> 00:19:20,680 still here. He's gonna take the bulk of the carries there. 428 00:19:21,200 --> 00:19:23,240 But which of these high school guys need some touches? 429 00:19:23,279 --> 00:19:25,359 Who do we need to see early on to kind 430 00:19:25,400 --> 00:19:27,680 of get ingrained with the program? You know, like I said, 431 00:19:27,720 --> 00:19:30,119 with the way college football is today in the transfer portal, 432 00:19:30,440 --> 00:19:32,640 some of those touted freshmen that aren't getting the playing 433 00:19:32,680 --> 00:19:34,720 time right away are looking to make some moves, and so, 434 00:19:35,000 --> 00:19:36,680 you know, is it important are we just going to 435 00:19:36,720 --> 00:19:39,240 see you know, a two back stable most of this 436 00:19:39,319 --> 00:19:41,119 season or are they going to share the rock a 437 00:19:41,160 --> 00:19:42,839 little bit more and get some of those freshmen some 438 00:19:42,920 --> 00:19:45,000 of those carries really see what they can do going forward. 439 00:19:45,039 --> 00:19:48,799 Speaker 3: As we make those commitments, last thing before we say farewell, 440 00:19:49,240 --> 00:19:51,799 give us a few more nuggets as we get into 441 00:19:52,319 --> 00:19:56,680 tax season. Those individuals, why why would anyone align with 442 00:19:56,920 --> 00:19:58,799 Why why would they align with the band or Wealth 443 00:19:59,440 --> 00:20:04,559 and the health management advice and resources that you provide there. 444 00:20:04,599 --> 00:20:08,000 You're a CPA there, So why why combined forces with 445 00:20:08,119 --> 00:20:10,880 banter or Wealth with their wealth management and also their 446 00:20:10,920 --> 00:20:12,359 bookkeeping and CPA work. 447 00:20:12,519 --> 00:20:15,200 Speaker 5: Yeah, great question, and I think that the most simple 448 00:20:15,319 --> 00:20:18,319 answer is just the reputation that they have. I mean, 449 00:20:18,400 --> 00:20:21,039 Blaine has been doing this for years and years, work 450 00:20:21,119 --> 00:20:23,839 with a lot of quality people, and just partnering up 451 00:20:23,880 --> 00:20:27,000 with him providing additional services to serve those clients makes 452 00:20:27,039 --> 00:20:28,920 a whole lot of sense. And it's just for those 453 00:20:28,960 --> 00:20:32,039 people that want that constant care and intention, that want 454 00:20:32,079 --> 00:20:34,440 to feel like there's somebody on their side. And you know, 455 00:20:34,519 --> 00:20:36,440 when people ask me that, it's it's do you trust 456 00:20:36,480 --> 00:20:39,920 somebody that really has your benefits or your you know, 457 00:20:40,039 --> 00:20:44,400 financial interest in mind? And so when you're thinking about 458 00:20:44,440 --> 00:20:47,119 that and having a partner and having questions, Bander makes 459 00:20:47,200 --> 00:20:49,240 total sense. And so I love partnering with them and 460 00:20:49,319 --> 00:20:51,200 being able to work with their great clients and provide 461 00:20:51,240 --> 00:20:51,799 tax advice. 462 00:20:52,160 --> 00:20:54,680 Speaker 3: Best way to reach out to Banterwealth head on over 463 00:20:54,720 --> 00:20:57,519 to beanterwealthbatterwealth dot com and get on that free Q 464 00:20:57,640 --> 00:20:59,680 and A, no obligation to advist Q and A with 465 00:20:59,799 --> 00:21:02,960 their tax more wealth advisors and UH combined force with 466 00:21:03,119 --> 00:21:06,519 Joe and UH and and all of the resources that 467 00:21:06,640 --> 00:21:09,519 Banderwealth has to provide. Not everyone is a kind of 468 00:21:09,559 --> 00:21:13,359 a full service wealth management CPA firm and Bandorwealth is. 469 00:21:13,400 --> 00:21:16,480 Speaker 4: That Yeah, Yeah, that's great. Thanks Ben, appreciat being here today.