Speaker 1: If you're looking for spin, try a press release. If
you want that true you're listening to it on one
O three nine ninety eight three ESPN no pan stats.
Let's talk about stats. Then, Credital and his team of
former players.
Speaker 2: And insiders give you the latest.
Speaker 1: Stats, data and analytics that are trending in the world
of Cougar Sports stats.
Speaker 3: Welcome back Cougar Sports one of three nine ninety eight
point three esp In the ban I've been critical broadcasting.
Speaker 2: From our betterwealth studios Beantawealth dot com.
Speaker 3: Get on that free Q and A no obligation to
invest Q and A with our tax more wealth advisors
certify financial planners.
Speaker 2: Nobody does it better than Blaine Anderson and his crew.
They want to help you build wealth.
Speaker 3: They want to band together and let your money work
for you rather than you always working for your money.
Speaker 4: UH.
Speaker 3: So do it the right way. Get on a free
Q and A with betterwealth beetterwealth dot com. Let's talk
about stats in this segment. It'll be a batter wealth segment. Obviously,
we want to talk a few things about this BAU
basketball team and uh and then get into some wealth
management numbers as well.
Speaker 2: We're getting towards the end.
Speaker 4: Uh.
Speaker 3: Well, we're getting towards more tax season, right, we're finally
our taxes and uh uh many of us we get
into a situation where like, man, I probably should have
prepped a little bit better, probably should have met with
my CPA, probably should have well met with my my
financial planner a little bit because I'm having to pay
too much to Uncle Sam.
Speaker 2: No offense to Uncle Sam.
Speaker 4: Uh.
Speaker 3: You know they they they're very good at spending money,
our money in a number of ways. Uh, But you
don't want to you don't want to give them too much.
Speaker 2: Okay, let's be honest.
Speaker 3: Stuff, because they're not always judicious with how they're spending
your tax dollars.
Speaker 2: Uh. So Uh, it's.
Speaker 3: Important to to to save as much as that money
as possible in the legal and lawful way of doing such.
And that's why you got to align yourself with band
orwealth band orwealth dot com. Okay, So I want to
get into a key stat I mentioned.
Speaker 2: That, Uh.
Speaker 3: You know, Dean Ruger, the EYU basketball commitment is one
of the rising stars of the recruiting world right now,
really really good basketball player from tim Few High school.
One school, though the number one school is building momentum
with five star Bruce Branch the third. If you don't know,
Bruce Bantch took a nice little visit to Brigham recently,
so let's see how it all turns out. Bruce Branch
third made the decision to reclassify up from the twenty
twenty seven class into that twenty twenty six recruiting cycle.
The five stars small Ford and recent McDonald's All American
is now the number thirteen overall player.
Speaker 2: In the twenty twenty six Rivals one fifty.
Speaker 3: That puts Dean rukerd at forty two and Bruce Branch
the Third at number thirteen. So if you get Bruce
Branch this recruiting class looking, might I fine?
Speaker 2: Very dapper if you will.
Speaker 3: He has not publicly announced a top group of schools,
and the prolific Florida Prep Wing recently took his first
official visit BYU. Got that visit the weekend of January
twenty six. Speaking with sources, says Jamie Shaw of Rivals
around his recruitment. The school I continue to hear most
about is.
Speaker 2: BYU.
Speaker 3: A Ah, yeah, buddy, I'm told the Cougars have continued
to build momentum over the last couple of months, as
Branch has paid attention to aj D sponsors. While there
is mutual interest between the two parties, I am told
this recruitment is not done yet. USC and Kansas are
the other schools that are hot on the trail getting
after first bench the third.
Speaker 2: They have recently been mentioned to me by some sources.
Speaker 3: Branch has mentioned a few times that he does not
plan on making a decision till after the Chipotle Nationals,
which is April second through the fourth this year. That
lays out a similar March April time frame that I
have heard from sources.
Speaker 2: When Rivals spoke with Branch in December, he.
Speaker 3: Mentioned that he wanted to eventually take three to five visits,
depending on who is interested in who he is interested
in recruiting. This cycle has been very fluid and this
recruitment feels a little slower moving, So continue to watch
as visits and visits schedules and commitment time for him
to become more clear. Jamie Shad goes on, I would
also not rule out other schools possibly jumping into the mix.
The early signing period for the men's Division one college
basketball ran from November twelfth, twenty twenty five through November nineteen,
twenty twenty five. The late signing period for the twenty
twenty sixth class Well will open on April fifteenth, twenty
twenty six. What Bruce Branton third is looking for in
a school. This is what he had to say in
a previous conversation with rivals. Bruce brans third is describe
what is most important to him with his college decision. Honestly,
a plan, he stated. Relationships are my big thing, but
having a plan is important. Everyone wants to know what
they're doing that plan to get me to the next level,
and that's the main thing I'm focused on. You gotta
have a plan in anything. What about a financial plan?
What about a wealth advisement plan. Let's welcome in Joe Holloway,
CPA and wealth strategist for Bandwealth to discuss a little
bit more about what financial plans people should have in February,
in March and April, Joe, how the heck are.
Speaker 2: You, buddy?
Speaker 4: Yeah, great to be here. Thanks. Ben.
Speaker 3: Always a pleasure, man, I appreciate you hopping on. What's
that Maybe some of the things that you discussed with
your clients around this time of the year.
Speaker 2: Joe.
Speaker 5: Yeah, first off, it's just kind of doing the recap, right.
A lot of people wait until this time of year
to look back at the previous year, and we want
to stay on top of that. So not only is
it correcting some of those mistakes and making all the
adjustments that we can, but being proactive about the ongoing strategy.
Speaker 2: Being proactive.
Speaker 3: Proactive problem solving is always greater than reactive problem solving,
in my opinion. What surprises a lot of people the
most when they're like getting into this situation where they're
filing taxes. Business owners are looking at their p and
ls all of a sudden there like, by my book keeping,
how good was it?
Speaker 2: What am I looking at? What are some of the surprises?
Speaker 5: Yeah, I know, you're exactly right, And frankly, a lot
of the surprises are just in how much money they
actually made. I mean, when you add up your W
two and your K ones and your you know everything else,
and you go, dang, I've made a lot of money
this year. Now I got to pay a lot of
taxes or the reverse, and I didn't make as much
as I had planned. How do I make up for it?
So really it's just getting those numbers straight, you know,
at the top and then figuring out your strategy based
on that.
Speaker 3: So I guess how should uh? What's the plan? What's
the best way to approach?
Speaker 2: Uh?
Speaker 3: You know, a tax smart wealth advisement type of plan
at band or Wealth.
Speaker 2: UH with you.
Speaker 3: There's a couple of CPAs there within Banderwealth as an
extension of the wealth management side of things that Vanderwealth
and the financial planning side of things.
Speaker 2: Uh. Where do you guys interjected and and.
Speaker 3: Play a part with the the clients that Vanderwealth has.
Speaker 4: Yeah, that's a great question.
Speaker 5: And you know Blaine has been on here a few
times and we've probably heard from him. And the financial
planner in the well side is really like building that
plane or you know, building the vehicle that's gonna go
and take you where you want to go.
Speaker 4: The accountants in the role that we.
Speaker 5: Play is making sure that it's constructed correctly, that it's
operating efficiently, and that you're not leaking fuel or losing
things along the way. To maintain because as we all know,
the tax code can change. Things can change, and so
you want somebody who's continuously monitoring those stats and those
things to keep you in line. And so when we
talk about you know, retirement deductions and contributing to that
four one k or that solo four one k, depending
on whether you're a W two employee or a small
business owner, it's knowing how all those pieces fit together
to stay on that track.
Speaker 3: You know, I thought I saw something come across my desk.
I'm a small business owner myself, and I was like,
I'm trying. I'm a small I have a small family
to two kids with one other way, is there an
incentive plan now to have kids?
Speaker 4: There is?
Speaker 2: Yeah?
Speaker 3: What Oh yeah, buddy, Ronald, let's have some more babies.
Speaker 2: We're gonna get paid for it.
Speaker 4: That's okay with the one right now.
Speaker 5: Yeah, No, that's just you know, one of the things
you know that you can take advantage of for the
prior year. But as you're planning forward, you know, family
changes and all those factor in. So when you're looking
at what deductions can you take and how you plan accordingly.
There's lots of ways to go about it, and the
key is starting early and making that plan.
Speaker 3: Got to have a plan. Without a plan, you perish, right.
You got to have a tax more wealth advisor plan
how proactive. How can proactive tax plan increase maybe that
long term wealth?
Speaker 5: Would you say, yeah, I mean, just as an example,
you know, I'll give you an example of a business
owner that I work with, and you know, a lot
of business owners are going to be familiar with the
question of LLC versus es corp versus sole proprietor. With
one client that we worked with, we just restructured his
LLC to an escorp to optimize their retirement contributions, and
then we implemented you know, good books, expense tracking, et cetera.
And just in the first year saved about thirty five
thousand dollars. And that's a good amount. But when you
extrapolate that over ten years of tax planning along with interest,
et cetera, you're talking about a significant portion of your retirement.
Speaker 3: Yeah, it's uh, you know, So give me the idealistic,
like process, like if we were to create a game
plan for those those business owners. Give me kind of
a sequential approach of what the year looks like, what
the book keeping looks like, what role the band or
wealth financial management team. I know this can be complicated,
but I know you guys have a really good system
in place and the role that the CPA bookkeeping component
of Banterwealth is.
Speaker 2: Playing in all this.
Speaker 3: Yeah, yeah, no, And I remember a timeline standpoint because
like I think people just need to know, like, okay,
like how often am I meeting with these guys?
Speaker 2: What am I talking about? What are the strategic initiatives,
et cetera.
Speaker 5: Yeah, exactly right, And I would say, you know, for
those folks that really want to create a strategic plan,
if you're not meeting at least quarterly to review that
plan kind of first off, that's what we talk about.
And so when we get on this first meeting, obviously
when we want to understand where you're coming from, understand
where the goals are.
Speaker 4: But it's designing that plan for you.
Speaker 5: And so part of that, especially for small busin and owners,
is not only the setup, but the check ins. Like
I said, at least quarterly if you're making quarterly estimated payments,
knowing that how that's going to shake out, and then
especially at midyear, kind of projecting that out and we're
able to look at that from a tax side and
really utilize Blaine's plans on the investment side to complement that.
So whether it's you know, making creative decisions in our
investments to where we can write off losses, et cetera.
That's where kind of the plan fully comes together to
optimize for that tax bill at the end of the year.
Like you said, we don't want to pay Uncle Sam
too much. We want to do our part, but we
want to keep as much as we can legally.
Speaker 3: For sure, should someone hire a CPA if they're just
kind of a W two employee or is it.
Speaker 2: Of need or is this only for business owners?
Speaker 5: Yeah, great question, you know, and I get that a
lot obviously from friends and family. And you know, of course,
if you're a W two employee, simple, you know, not
much going on. Turbo tax h and R block those
can those can definitely be sufficient. But when you get
into one fifty above two hundred k and above, there's
a lot of options that you have just in how
you invest, how you create. You know, even side hustles
like an LLC can help you write off some of
that income without you too much trouble. And so you know,
below that maybe there's an administrative burden that you know
is not going to be.
Speaker 4: Worth the setup.
Speaker 5: But as you get to those different levels, it's certainly
worth talking to an expert to explore that option and
see if there's some potential savings there.
Speaker 2: Yeah.
Speaker 3: I have that conversation sometimes with people like, look, how
much is it.
Speaker 2: To file taxes with a CPA.
Speaker 3: As opposed to doing a TurboTax steal or something like that,
Like there's increased cost whenever you're employing an expert in
the field.
Speaker 4: Totally.
Speaker 5: Yeah, And what I tell folks is that it's really
that level of security and peace, right. I mean, you
can go and do your tuber tax, you know, or
whatever it is. I'm not trying to throw shade at that,
but when you work with a partner, you know, especially
the band or tax group, it's that constant communication and
so it's knowing that if things do come up, you
have somebody there to reach out to, and just having
that expert on your side so that when you know,
like I said, having that level of comfort, familiarity, and
the knowledge of the plan to carry out those things
that can be a bit more complicated than when you're
doing it on your own.
Speaker 3: Joe Holloway, CPA for Banderwealthbanderwealth dot com. I'm talking tax
smart Wealth Advisement strategies here on your Utah ESPN Radio. Now,
let's talk a little football stats, shall we. Look, we've
been discussing RB two. Who's your favorite to become RB
two behind LJ Martin this year?
Speaker 2: And why? We got a list of players and.
Speaker 3: There could be some new faces too that enter into
the conversation. Shone, Mo, Joe Vessa, de Moony, Logan Payne,
Devon Ecka, the Freshman, Preston Rex, Charles, Charlie Miska, Lucky Fee.
Speaker 2: Now, I know you're a BYU guy. You know what
I mean here? B why you graduate?
Speaker 3: If I'm not mistaken, Joe, you've been monitoring the situation.
We're all wondering who RB two's gonna be. We know
LJ is RB one, the Steed, the thorough Bread, the
baller Bruiser and some good top end speed. Now he's
showing some bursts in that second or third level. But
who's your favorite to comet RB two?
Speaker 2: And why? Joe?
Speaker 5: Yeah, I mean that's that's a great question. I really
feel like Mo is a good option, you know, I
think they have. It's unfortunately we don't have the spring
portal coming up anymore. You know the way they've changed things,
but I think MOS a good option. I want to
see the high school backs out there. But I think
at this day and age, you know, you look at
a contender like Miami riding Foster all the way to
the semi finals, I think LJ. Martin is going to
be the workhorse there and we're really going to see,
you know, a focus on that, a big physical offensive
line and really just you know, pounding the ball there.
Speaker 4: And so I think he's going to take a lot
of that workload.
Speaker 5: But you listed a lot of guys and I think
it's up to the coaches during this spring, you know,
spring football, spring practice to identify who that guy really
is going to be, because especially coming in from high
school and you know, it's like that contact makes it
a whole nother ballgame. And so they may look great there,
but really when they put the pads on, you know,
at this level and really see who can take the
contact and make plays is going to be a differentiator.
Speaker 2: Remember LJ.
Speaker 3: Martin did not participate in the bowl game, so we
got a little clips of what RB two could look
like without the LJ.
Speaker 2: Train.
Speaker 3: I guess Martin the Martin train right by versus Georgia
Tech gave us a little glimpse of what our rushing
attack would look like if LJ were to go down again.
Speaker 2: By you got the win.
Speaker 3: Okay, twenty five twenty one, a solid win versus a
ranked opponent. Remember the Yellow Jackets were top twenty five
in the nation. They were only a three loss team there.
They had some close losses to formidable foes as well.
So in that game, okay, you had Jovessa de Mooney
with seven carries forty eight yards six point nine yards
per carrying one touchdown. One would imagine if you gave
him more totes, if you gave him more opportunities, he
could have done a little bit more with those opportunities. Remember,
Jovesa had risen to an RB two status before fumbling
an opportunity, and he was sat on the pine and
had to earn his way back into the lineup. Why
isn't Jovesa a favorite amongst Cougar nation?
Speaker 2: Did he not show well enough?
Speaker 3: Did he not show a little bit of burst, a
little bit of potential? There you wonder, I like Jovessa
a little bit understize, maybe a little bit scatty for
some BA fans liking six foot one ninety I will
say that once upon a times, and I know, don't
get mad at me.
Speaker 2: Here.
Speaker 3: Ronnie Jenkins, I think was smaller than that, but he
was also much faster that. But Jovesa's got got some
good speed to him, good burst, good athleticism. I thought
he showcased well in his twenty twenty five showcase. Okay,
he had nineteen carries one hundred eleven yards five point
eight yards per carrying one touchdown.
Speaker 2: He also had six receptions forty four yards.
Speaker 3: I wouldn't sleep on Jovesa, and I also would not
sleep on Logan Logan Pain either.
Speaker 4: The.
Speaker 3: Son of Matt Pain, the nephew of Mitch Pain. Both
of them were kickers and specialists. Logan is a bit
of a freight train at five to two twenty and
I've been told he's one of the fastest players on
the football team as well.
Speaker 2: Nice top end speed.
Speaker 3: You want to see some breakaway speed, you may get
it from a guy like Logan Pain. If I'm not mistaken. Uh,
his top end speed so mph.
Speaker 2: Right.
Speaker 3: They they test this stuff out in the offseason, and
granted there could be some injured injured guys here, so
take it with a grain of salt a little bit,
not everyone who's full go. In the offseason workouts, he's
ranked I believe number seven number no sorry, let me
get this, let me get this thing accurate. Here he's
ranked number eight, number eight on the team.
Speaker 4: So pretty fast five to.
Speaker 3: Twenty at that speed. So you know, he's faster uh
than guys like uh.
Speaker 2: Raider de Mooney. I mean not my much.
Speaker 3: I mean this is these are like you're talking hundreds
and tenths here. You're talking like you know, know these
are you know, the stopwatches and things of that nature.
There's some lasers here too. He's faster. He's faster than Jovest.
Jovesta's fast too, though Jovesa's got some wheels. Jovets's top
fifteen on the team from the reports that I've been receiving.
So anyway, Uh, I'm intrigued.
Speaker 1: Uh.
Speaker 3: You know, we're gonna get to know the RB two
a little bit better in springball. But I think it's
a key uh key staut of the day. Who's RB
two in high school? Logan Payne tallied. I want to say,
were thirteen one hundred rushing yards one thousand and three
and ninety yards rushing. So I am a person that
looks at you know, what did you do in high school?
How productive were you in high school? Jovesa did not
play running back a whole lot. I don't think at
Ridgeline he was more of a wide receiver at at
At at Ridgeline, his junior year he he Italian eight
hundred and thirty five yards okay rushing uh and four
hundred and one yards receiving, and then converted to primarily
a wide receiver. His senior year he only rushed for
thirty three yards and received eight hundred and six yards.
So you know, Scioni Moa who is the odds on
favorite to be RB two because he's shown well at
times in his when he's healthy, when he's strong, when
he's nourished and strengthened.
Speaker 2: He looks good. He looks really good.
Speaker 3: But in his high school career, remember and we broached
this a little bit yesterday, his junior and senior year
rushing two hundred and forty four yards. He had a
four and twenty three yard season in twenty nineteen, twenty twenty,
his senior year at tim Few High School. So pretty
impressive numbers, right, like you look at those numbers are okay,
production in high school doesn't necessarily equate to production in college,
but it's a good indicator of.
Speaker 2: What you can do, especially if you're durable, If you're
a durable back.
Speaker 3: Your thoughts, your commentary to the b YU running back
debate and running back Room.
Speaker 5: Yeah, no, I mean, and I think it's a really
interesting conversation, especially this day and age in college football,
where you have some talented freshmen coming in, but you know,
guys with potential like Moa, Well, you know LJ is
still here. He's gonna take the bulk of the carries there.
But which of these high school guys need some touches?
Who do we need to see early on to kind
of get ingrained with the program? You know, like I said,
with the way college football is today in the transfer portal,
some of those touted freshmen that aren't getting the playing
time right away are looking to make some moves, and so,
you know, is it important are we just going to
see you know, a two back stable most of this
season or are they going to share the rock a
little bit more and get some of those freshmen some
of those carries really see what they can do going forward.
Speaker 3: As we make those commitments, last thing before we say farewell,
give us a few more nuggets as we get into
tax season. Those individuals, why why would anyone align with
Why why would they align with the band or Wealth
and the health management advice and resources that you provide there.
You're a CPA there, So why why combined forces with
banter or Wealth with their wealth management and also their
bookkeeping and CPA work.
Speaker 5: Yeah, great question, and I think that the most simple
answer is just the reputation that they have. I mean,
Blaine has been doing this for years and years, work
with a lot of quality people, and just partnering up
with him providing additional services to serve those clients makes
a whole lot of sense. And it's just for those
people that want that constant care and intention, that want
to feel like there's somebody on their side. And you know,
when people ask me that, it's it's do you trust
somebody that really has your benefits or your you know,
financial interest in mind? And so when you're thinking about
that and having a partner and having questions, Bander makes
total sense. And so I love partnering with them and
being able to work with their great clients and provide
tax advice.
Speaker 3: Best way to reach out to Banterwealth head on over
to beanterwealthbatterwealth dot com and get on that free Q
and A, no obligation to advist Q and A with
their tax more wealth advisors and UH combined force with
Joe and UH and and all of the resources that
Banderwealth has to provide. Not everyone is a kind of
a full service wealth management CPA firm and Bandorwealth is.
Speaker 4: That Yeah, Yeah, that's great. Thanks Ben, appreciat being here today.