AICPA Personal Financial Planning (PFP)

ตอน

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  Bob Keebler Explains How a Footnote Can Cost Thousands 25.09.2026 23นาที

  A footnote in the Joint Committee on Taxation's Blue Book may create significant tax consequences for trusts and estates beginning in 2026. In this episode, Bob Keebler joins Cary Sinnett to explain why Footnote 102 has raised concerns about applying the new 2/37ths limitation to distributable net income, charitable deductions and other trust and estate deductions. They explore how the limitation could create phantom income and affect charitable planning, inherited IRAs, Roth conversions, fiscal-year elections and trusts with multiple levels of distribution. What you'll learn Why Footnote 102 is generating so much discussion among trust and estate professionals.  How the new limitation could create unexpected tax consequences.  What it may mean for charitable giving, inherited IRAs and beneficiary planning.  Why fiscal-year elections could become more valuable.  How the rules could affect Roth conversion and trust planning strategies.  Why planners should prepare clients for multiple possible outcomes. Bob Keebler also explains why practitioners should carefully communicate the current uncertainty, review beneficiary and charitable planning strategies, and evaluate potential outcomes before making recommendations. PFP Resources: Archive: Understanding the Estate of Grace and its Progeny Resource: Generation Skipping Transfer Tax Chart Podcast: Jeff Levine on the Planning Tug-of-War: Income vs. Estate Resource: Useful Estate and Trust Decision Charts This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at  Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  The Real Reason Clients Don't Follow Your Advice 18.09.2026 33นาที

  The real challenge for planners is not always giving better advice. It is understanding why clients do not act on the advice they already have. In this episode, Cary Sinnett talks with behavioral finance expert Carl Richards about what gets in the way of follow-through. They explore why clarity, purpose and trust often matter as much as technical precision, and how planners can help clients move from understanding a recommendation to actually acting on it. What you'll learn: Why the best financial plan is not necessarily the most technically precise plan, but the one a client will implement. How planners can help clients move forward confidently despite uncertainty. Why advice adherence often breaks down when recommendations are disconnected from a client's sense of purpose. How linking financial decisions to personal goals and values can motivate clients to take action. How empathy, curiosity and active listening can help planners recognize hesitation and uncover a client's real concerns. The simple questions Carl uses to encourage deeper conversations and better client outcomes. How the best planners balance technical expertise with humility and curiosity about what matters most to their clients. Carl also explores how financial planners can move from being problem solvers to sense makers, helping clients interpret uncertainty, connect decisions to their goals and move forward with greater confidence. PFP Resources: Archive: Financial Planning for Aging Clients Resource: AICPA Personal Finance Scorecard Archive: From Risk to Resilience: Disaster Planning for CPA Financial Planners Resource: Top 40 Planning Opportunities This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at  Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  The Secret to Getting Early-Career CPAs Excited About Financial Planning 04.09.2026 21นาที

  The future of personal financial planning depends in part on whether today's professionals help the next generation see what the career can become. In this episode of the PFP Podcast, Cary Sinnett talks with Dr. Brianne Smith about how firms can expose students and early-career professionals to the human side of financial planning and give them meaningful opportunities to grow into advisory roles. Drawing on her experience as both a practitioner and accounting professor, Brianne shares practical ideas for developing future financial planners, from bringing real client stories onto college campuses and creating PFP internships to inviting young professionals into client meetings before they feel fully "ready." What you'll learn: How real client stories can help students see financial planning as a meaningful career Why firms should consider creating dedicated PFP internship experiences How "graduated responsibility" can build confidence, from analysis to client meetings and recommendations Why pre- and post-meeting conversations can turn client exposure into professional development The importance of cultivating curiosity, problem-solving, communication, and the human side of advice As technology continues to reshape the profession, Brianne argues that the ability to troubleshoot, ask better questions, communicate effectively, and connect with clients will become even more valuable. Developing those capabilities starts by intentionally giving the next generation opportunities to observe, participate, and eventually lead. AICPA Resources: Resource: Pathways to Practicing Personal Financial Planning Archive: A story of tax to personal financial planning Podcast: Why the Future of Financial Planning Runs Through the CPA This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  What Financial Planning Research Reveals About Your Clients 21.08.2026 20นาที

  What can the latest research teach us about helping clients make better financial decisions? In this episode Cary Sinnett talks with Dr. Megan McCoy, who leads the personal financial planning program at Kansas State University, about bringing academic research and real-world financial planning practice closer together. They explore what emerging research in client psychology, communication and financial behavior can teach planners about helping clients navigate difficult decisions, financial anxiety and major life transitions. What you'll learn How research can add another layer of insight to financial planning practice. What client psychology can teach us about financial decision-making and plan implementation. Why effective communication becomes especially important when clients experience major life events. How the client check, problem check and self check can help planners recognize when a client may need support beyond the planner's scope of competence. How emerging techniques such as motivational interviewing and financial anxiety assessments could influence the future of financial planning. Dr. McCoy also explores an important opportunity for the profession: making valuable academic research more accessible and actionable for practitioners so evidence-based insights can translate into better conversations and better client outcomes. AICPA Resources: Archive: 2026 Best Financial Planning Ideas for your Clients Podcast: Andrea Millar, From Financial Expert to Trusted Guide This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  Are You Solving the Right Problem First? Ask Dr. Brian Portnoy 07.08.2026 25นาที

  Technical expertise may earn a client's confidence, but human connection earns their trust. In this episode of the PFP Podcast, Cary Sinnett continues his conversation with Dr. Brian Portnoy, author of The Geometry of Wealth, exploring how CPA financial planners can move beyond numbers and into the conversations that truly matter. Together they discuss why "funded contentment" should be at the center of financial planning, how advisors can uncover what clients truly want their wealth to accomplish, and why emotional intelligence may become one of the profession's greatest competitive advantages. What you'll learn: Why funded contentment starts with defining what "enough" means. Questions that help clients move beyond financial goals to purpose and values. How empathy, active listening, and emotional intelligence strengthen client relationships. A simple communication technique that creates deeper, more meaningful conversations. Why the human side of financial planning is becoming more valuable in the age of AI. Key takeaway: As technical planning becomes increasingly automated, an advisor's greatest value may no longer be producing the right answer but helping clients discover the right questions. Financial planning is ultimately about funding a meaningful life, not simply accumulating wealth. Resources Article: Why EQ is the future of personal financial planning Resource: Personal Financial Planning Body of Knowledge (BOK) Podcast: Andrea Millar, From Financial Expert to Trusted Guide This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  Why Bob Keebler Makes the Section 645 Election Almost Every Time 24.07.2026 20นาที

  The months immediately following a client's death create one of the most important income tax planning windows in estate administration. While many practitioners focus on basis step-ups and beneficiary distributions, one election can fundamentally change how post-death income is managed: the Section 645 election. In this episode, Cary Sinnett sits down with nationally recognized tax expert Bob Keebler to explore how electing to treat a revocable trust and estate as a single taxable entity can create valuable planning opportunities through fiscal year flexibility, income deferral, charitable deduction planning, and more. Bob explains why he believes the Section 645 election should be the default choice in nearly every revocable trust administration and discusses the rare situations where it may not be appropriate. What you'll learn: Why estates receive more favorable income tax treatment than revocable trusts  How the Section 645 election allows a trust to use an estate's fiscal year  Using fiscal year flexibility to defer income and smooth taxable distributions  How the election can effectively stretch certain inherited IRA distributions  Why charitable deductions under IRC Section 642(c) are often more advantageous for estates  The impact of the election on distributable net income (DNI) planning  How the election can improve gain and loss netting in pecuniary funding situations under the Kenan case  The interaction between the Section 645 election and S corporation stock ownership  The limited circumstances where practitioners may intentionally avoid making the election AICPA Resources: Chart: Useful Estate and Trust Decision Charts Podcast: Bob Keebler on Avoiding Costly Estate Planning Mistakes Resource: Summary and initial thoughts — Changes to opportunity zones Resource: 2026 Individual, Estate, and Gift Tax Cheat Sheet Guide: The Adviser's Guide to Financial & Estate Planning - Vol. 4 Program: Estate Planning Certificate Exam This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  The IUL Experiment with Andy Panko 10.07.2026 27นาที

  Indexed Universal Life (IUL) insurance is often marketed as a "tax-free retirement income" solution, but how do these policies really work over time? To cut through the noise, financial planner Andy Panko, CFP®, RICP®, EA, decided to run his own real-time experiment. He bought an IUL, fully documented the structure, costs, and performance, and is openly sharing the results year after year. In this episode, Andy joins us to explain what IULs are, why he launched The IUL Experiment, and what every financial planner should know before considering them in retirement planning conversations. We talk about: The structure of IULs and why they're so often misunderstood The gap between marketing promises and actual performance The potential benefits—tax deferral and downside protection—and their trade-offs Why transparency and ongoing tracking matter for evaluating these products How planners can approach IUL conversations with clarity and objectivity Whether you've advised clients on IULs, been pitched on them, or just want to better understand how they fit (or don't fit) into real financial planning, this episode gives you a front-row seat to an experiment playing out in real time. AICPA Resources: Tools: Life insurance policy evaluation Podcast: Life insurance planning strategies for individuals Webcast: Advanced strategies for life insurance policies Checklist: Life insurance policy checkup This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  Your Clients Can Afford to Retire. Will They Enjoy It? 26.06.2026 32นาที

  Most retirement plans answer one question: Can I afford to retire? But far fewer answer the question that often matters just as much: What am I retiring to? In this episode, Cary Sinnett sits down with renowned researcher and Harvard Business School professor emerita Teresa Amabile to explore the hidden psychological transition that accompanies retirement. Drawing from more than a decade of research and interviews with retirees, she explains why many successful professionals fear retirement, why those fears are often misplaced, and how financial planners can help clients prepare for life beyond the balance sheet. Whether you're guiding clients toward retirement or thinking about your own future, this conversation offers practical insights into identity, purpose, relationships, and creating a retirement that truly works. Questions Discussed: Why do so many successful professionals fear retirement despite being financially prepared? What are the four psychological tasks every retiree faces? How can retirees preserve a sense of identity after leaving work? What role should financial planners play in preparing clients emotionally for retirement? What single question can advisors ask that helps clients begin designing a meaningful retirement? Key Takeaways: Retirement is a transition, not a single event. Financial readiness alone does not guarantee retirement satisfaction. Many pre-retirees fear the unknown, but most retirees ultimately adapt successfully. Identity, relationships, and daily routines are critical components of a fulfilling retirement. Financial planners can add tremendous value by encouraging clients to think intentionally about what comes after their careers. Resources: Article: Retiring: Creating a Life That Works for You Webcast: Financial Planning for Aging Clients Article: 4 Questions to Identify Your Retirement Needs and Goals This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  Bob Keebler on Avoiding Costly Estate Planning Mistakes 19.06.2026 27นาที

  Some of the biggest planning opportunities in trust and estate taxation are also the easiest to miss. In this episode, Cary Sinnett sits down with nationally recognized estate planning authority Bob Keebler to explore three highly technical areas that can dramatically impact client outcomes: portability elections, fiduciary income taxation during periods of market volatility, and the often-misunderstood Kenan doctrine. Bob explains where advisors commonly overlook opportunities, how missed elections may still be salvaged, and why funding decisions inside trusts and estates can create unexpected capital gains. Along the way, he highlights strategies that help CPA financial planners deliver more thoughtful and tax-efficient advice to families across generations.  Questions Answered How does portability work, and when can missed portability elections still be recovered?  When should advisors favor portability versus bypass trusts and GST planning?  What is the Kenan doctrine, and why can funding a trust with appreciated assets trigger capital gains?  How does a Section 645 election change the taxation of trusts during administration? Equal inheritances are not always equal when embedded capital gains and basis differences are considered. Resources: The Adviser's Guide to Financial & Estate Planning - Vol 4 Generation Skipping Transfer Tax Chart Estate Planning & Portability Volatile Markets, Smart Estates: Keebler's Top Tax Plays This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  Why the Future of Financial Planning Runs Through the CPA 05.06.2026 19นาที

  What does the future of the CPA profession look like as advisory, financial planning, and AI reshape client expectations? In this episode of the AICPA Personal Financial Planning Podcast, Cary Sinnett sits down with Sue Coffey, CEO of Public Accounting at the American Institute of Certified Public Accountants, to discuss the profession's transformation from compliance-focused work to holistic trusted advisory. Sue shares why trust has become one of the profession's greatest competitive advantages, how technology and complexity are accelerating change, and why CPA financial planners are uniquely positioned to lead multigenerational client relationships. The conversation also explores how education, credentialing, AI, and evolving firm models are shaping the next generation of CPA advisors. Whether you are building an advisory practice, expanding into financial planning, or thinking about the future direction of the profession, this episode provides an inside look at where the CPA profession is headed and why the opportunity for planners has never been greater. Questions Answered Why is the CPA profession shifting from compliance toward advisory services?  What makes CPA financial planners uniquely valuable to clients and families?  How are AI and technology changing the future of CPA advisory work?  What separates firms that successfully transition into advisory services?  Why did financial planning become part of the CPA exam evolution? How can firms prepare for the future of trusted advisory relationships?  Key Takeaways Trust remains one of the CPA profession's greatest differentiators in an increasingly complex world.  Financial planning is becoming more integrated into the CPA identity and educational pipeline.  AI is expected to enhance CPA capabilities rather than replace advisors.  Successful advisory firms combine technical expertise, relationships, governance, and talent development.  CPA financial planners are well-positioned to serve as the "quarterback" coordinating broader client advice teams. AICPA Resources: Pathways to Practicing Personal Financial Planning Rise2040: Co-creating our profession's future National Accounting Day: What Trust Looks Like in Action Celebrating CPAs This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  Andrea Millar, From Financial Expert to Trusted Guide 29.05.2026 27นาที

  What if the biggest barrier to client action is not the quality of the financial plan, but the lack of purpose behind it? In this episode, Cary Sinnett sits down with Andrea Millar to explore how life planning helps financial planners move beyond technical recommendations and uncover what truly matters most to clients. Andrea shares how deeper conversations around purpose, relationships, fulfillment, and meaning can lead to stronger engagement, clearer decision-making, and more intentional financial behavior. Together, Cary and Andrea discuss how CPA financial planners can integrate life planning concepts into existing client relationships without abandoning technical precision. Questions Answered Why do some clients fail to follow through on financial advice?  How can planners uncover what truly matters most to clients?  Why do "soft skills" often improve technical planning outcomes?  How can advisors begin incorporating life planning concepts into their existing process?  Key Takeaways Clients are more likely to act on recommendations when financial advice connects to personal meaning and purpose.  Technical expertise becomes more powerful when paired with deeper discovery conversations.  Human-centered guidance may become even more valuable as AI advances in technical planning. Resources: The why, what, and how behind legacy planning for your clients Kinder Institute of Life Planning Financial Gratitude: The Behavioral Advantage Every CPA Planner Should Leverage Guide to Practical Retirement Planning This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  Small Planning Conversations That Lead to Bigger Engagements 15.05.2026 24นาที

  Sometimes the biggest client wins start with a simple question. In this episode, Cary Sinnett and Jackie Cummings Koski share five fast, high-impact planning ideas that can instantly deepen client conversations and uncover bigger opportunities.  From forgotten 401(k)s and Roth-funded 529 strategies to overlooked HSA and charitable planning moves, these are the kinds of insights that make clients stop and say, "Wait… I didn't know that." If you want practical ideas you can use immediately to create value, strengthen relationships, and spark more meaningful planning engagements, this episode is for you. Questions answered: Can clients really use 529 plans for professional credentials and Roth IRA funding?  How can clients access retirement money before age 59½ without the 10% penalty?  Are advisors overlooking powerful HSA planning opportunities for families?  What charitable giving strategies work best for non-itemizers?  How do clients find forgotten 401(k)s and abandoned accounts? Resources: Retirement Savings Lost and Found Database National Association of State Treasurers Health Savings Accounts Beyond the Basics 529 plan expansion boosts education and CPA access Slott and Keebler on what to watch out for with SECURE 2.0 This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  The Ripple Effect: How Financial Literacy Shapes Generations 01.05.2026 21นาที

  Cary Sinnett sits down with Jackie Koski to challenge a core assumption in financial planning: strategy isn't the starting point—literacy is. They explore how foundational knowledge shapes better decisions, why behavior often overrides logic, and how financial professionals can expand their impact beyond client engagements. Questions Answered How does financial literacy change a client's path to financial independence?  Why do money beliefs derail sound financial decisions?  How can advisors scale their impact beyond their client base?  Key Themes Literacy as the foundation for better planning outcomes  Behavior, beliefs, and decision-making gaps  Rethinking FIRE for real-world clients  The late starter journey: from shame to action  Expanding your role from advisor to educator  Why It Matters Better-informed clients make better decisions—and better clients. Your knowledge doesn't need to stop at your client list. AICPA Resources: Financial Literacy resources  Financial Literacy Month Spotlight CPAs role in Financial Literacy PFP Champion Program This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  Transform Tax Season into Year-Round Client Value with Dr. Brianne Smith 17.04.2026 18นาที

  In this episode, Cary Sinnett sits down with Dr. Brianne Smith to explore how CPAs can turn tax work into fully integrated personal financial planning. Drawing on decades of experience leading both a CPA firm and an advisory practice, Brianne breaks down what really changes when you move beyond compliance and step into ongoing client relationships. They unpack the real barriers holding professionals back, how the PFS credential accelerates the shift, and why the future belongs to advisors who can connect tax and planning into one seamless client experience. Key answers you'll get: How can financial planning shift from an add-on to a core part of a CPA's value proposition? What is one of the pricing models that can reshape both client behavior and advisor relationships?  What practical first steps could a CPA take to integrate planning without disrupting their existing practice?  AICPA resources: Pathways to Practicing Personal Financial Planning Checklist: Building a PFP business Analysis of a Tax Return for Financial Planning Opportunities Guide to Investment Advisory Business Models This episode is brought to you by the  AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  The Inflection Point for CPA Financial Planners: Why Now Matters 03.04.2026 26นาที

  This is a pivotal moment for CPA financial planners. In this episode, Leonard Wright joins Cary to break down why the convergence of tax, technology, and client expectations is accelerating the shift toward integrated financial planning. They explore how AI is reshaping compliance, why tax is the natural gateway to deeper planning conversations, and what the PFP movement means for firms of all sizes. Leonard also shares the work happening behind the scenes at the AICPA, from global fiduciary standards to the evolution of financial planning frameworks and offers a clear call to action for CPAs ready to expand their role and impact. Key Questions Answered: What are the best firms doing differently that others still haven't figured out? Why do so many clients say, "I wish my CPA would go further," and what does "further" actually look like? What actually changes when you move from giving answers to guiding decisions? If you started over today, how would you build financial planning into your practice from day one? AICPA Resources: Pathways to Practicing Personal Financial Planning Five tips for generating new service opportunities during busy season PFP Resources From Busy Season to Better Seasons: A CPA's Path to Planning with Deb Meyer This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.
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  Millions at 18, Broke at 30 (Unless a CPA/PFS Gets Involved) 20.03.2026 25นาที

  Your client's kid just signed a D1 scholarship and an NIL deal. Now what? In this episode, Cary Sinnett sits down with Cameron Caprio, CPA/PFS and Founder of Venture Multi-Family Office, to unpack one of the fastest-growing planning challenges in the profession: helping young athletes (and their families) manage sudden, complex wealth before it slips through their fingers. The numbers are staggering. The NIL market is projected to top $2.5 billion in 2026. Yet 60% of former NBA players are reportedly broke within two years of retirement. The opportunity and the urgency couldn't be clearer. You'll hear Cameron and Cary dig into: What NIL actually is and why it's exploding The ideal advisory team for a rising athlete client How to build values-based plans that outlast the contract Why "self-limiting liquidity" might be the smartest move you make The behavioral risks that sink even the biggest payday Whether your client is an NIL athlete, a founder closing a liquidity event, or a spouse inheriting life-changing money, this episode is your playbook for sudden wealth done right. AICPA Resources: Article: The quarterback for client services Learning: Estate Planning Article: CPAs shape the future of financial planning Article: Don't Waste that Windfall! This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  
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  From Knowledge to Impact: The CPA's Role in Financial Literacy with Julia Bush 09.03.2026 17นาที

  Financial literacy is not just a client issue; it is a national opportunity for CPA financial planners to lead. With only half of Americans understanding basic financial principles and many households living paycheck to paycheck, the profession is uniquely positioned to step beyond the conference room and into classrooms, community groups, and public conversations. In this episode, host Cary Sinnett discusses with Julia Bush how CPAs can turn technical expertise into measurable impact. Julia explains why financial literacy remains one of the most critical life skills Americans are often expected to "teach themselves" and why that model continues to fall short, particularly for students. While 30 states now require personal finance education in high schools, funding and implementation gaps persist. The conversation explores: The behavioral gap between knowing and doing in personal finance Why accountability and small actionable steps matter How CPAs can partner with schools, nonprofits, and community groups The impact of organizations like Junior Achievement Practical first steps financial professionals can take to create measurable change For CPA financial planners, this episode is both a call to action and a roadmap for engagement. AICPA Resources: Financial Literacy Junior Achievement Volunteer Invest in girls Institute for Financial Education and Prosperity This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  
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  What's Next for the CPA Financial Planner with Matt Kidd 20.02.2026 18นาที

  What is really happening with the PFS? In this episode, Cary Sinnett talks with Matt Kidd, Chair of the AICPA PFS Credential Committee, about the modernization of the PFS Credential, including updating the PFS experienced exam, building the PFP Champions program, expanding avenues to earn the PFS Credential like the PFS Live workshop, growing the visibility of the PFS credential nationwide by highlighting CPA/PFS Financial Planners. They discuss why tax is becoming the gravitational center of financial planning, how CPA financial planners are uniquely positioned to deliver integrated advice, and what both seasoned CPAs and the next generation should understand about the power of adding the PFS. Top Takeaways •    The PFS exam and Body of Knowledge are being updated to reflect real-world, tax-integrated planning. •    CPA financial planners have a structural advantage in delivering holistic advice. •    Raising awareness starts with proudly displaying the CPA/PFS credential. PFS Resources: •    PFS Credential •    PFS Live Workshop •    PFS Handbook  •    PFS Business Experience •    PFS Infographic •    Earning your credential info •    Engage 2026  This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.      
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  Trump Accounts are Coming - and You Need to be Ready 06.02.2026 20นาที

  Trump Accounts are here, and they come with a mix of opportunity and complexity. In this episode, Cary Sinnett (PFP Podcast) and April Walker (Tax Odyssey) team up with Sebrina Ivey, CPA/PFS, to break down the key rules and planning implications CPA Financial Planners need to understand. What's covered: ·       What Trump Accounts are and how they differ from 529s, UTMA/UGMA, and ABLE accounts ·       The contribution, investment, and trustee rules during the "growth period" ·       Key decisions at age 18, and how estate and tax planning converge ·       How to compare Trump Accounts with traditional irrevocable trusts ·       Planning actions to consider before the tax-free window closes If you're advising families, this is one account structure you can't afford to overlook.  AICPA Resources: ·       Trump Accounts under Sec. 530A — Timeline and insights ·       IRS Form 4547 ·       IRS Notice 2025-68 ·       Planning for tax changes This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.  
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  Bob Keebler on The Renaissance of Income Tax Planning 23.01.2026 18นาที

  Non-grantor trusts are stepping into the spotlight, not for estate tax, but for income tax planning. In this episode, Cary Sinnett sits down with tax expert Bob Keebler to explore how the One Big Beautiful Act (H.R.1) reshapes the planning landscape. You'll hear how you can use trusts to reclaim lost SALT deductions, stack §199A benefits, shift income across generations, and even layer in QSBS exemptions. If your clients are hitting phaseouts or facing high state taxes, this episode delivers advanced strategies to optimize their tax position now and into the future. Non-Grantor Trusts: Keebler explains how trust structures can sidestep phaseouts and help clients reclaim deductions previously lost due to high AGI. The "Tax Trifecta Trust" Explained: Learn how to stack SALT deductions, layer multiple §199A deductions, and shift income strategically using non-grantor trust planning. Five Strategies You Can Use Today Income shifting to lower-bracket heirs Stacking SALT deductions across multiple trusts Boosting §199A deductions with trust-level taxpayers Expanding QSBS exemptions via strategic trust ownership Reducing or deferring state income tax through out-of-state trust situs Real-World Implementation Advice: Bob outlines guardrails around IRC §643(f) to avoid having multiple trusts collapsed into one. Hear how to structure trusts legally and practically for high-impact planning, and how to identify ideal client profiles for this approach. What CPA Financial Planners Need to Watch For: Bob discusses state-specific issues, kiddie tax complications, trust drafting must-haves, and how CPAs can lead the planning process with confidence. AICPA Resources: Video: Decoding Trusts and Wills: Provisions for PFP Practitioners Video: Year-End Planning Through the Lens of H.R. 1 Resource: Charitable planning post OBBBA rules This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.