https://www.etsfinancial.com https://financially-tuned.s3.us-east-2.amazonaws.com/public/jjdJnJCpBPwzXmg2zc6JSvmVt5J7NUbV3MX2NrlI.jpeg https://www.etsfinancial.com en-us Wed, 28 May 2025 21:02:35 +0000 Eric Scoggins no E.T.S. Financial Services, LLC.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,servicesSmall changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference. When a part of your financial strategy is out of place, your long-term goals, your retirement savings, your legacy all suffer.radio@gradientps.comEric Scoggins Sat, 27 Apr 2024 00:00:00 +0000 episode-7003 no Gary R Stoller full Sat, 27 Apr 2024 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)On this episode, we break down some of the most important things about RMDs as well as what IRA beneficiaries should be aware of when it comes to them.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 20 Apr 2024 00:00:00 +0000 episode-6982 no Gary R Stoller full Sat, 20 Apr 2024 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this show, we’ll discuss retirement steps to take when you’re 10 years, five years, and one year from retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 13 Apr 2024 00:00:00 +0000 episode-6950 no Gary R Stoller full Sat, 13 Apr 2024 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During today’s show, we’re going to consider what data and historical trends suggest the impact of the 2024 presidential election will be on your finances.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 11 Nov 2023 00:00:00 +0000 episode-6442 no Gary R Stoller full Sat, 11 Nov 2023 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)In this episode we talk about bonds, how you can utilize them and how they are taxed.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 04 Nov 2023 00:00:00 +0000 episode-6411 no Gary R Stoller full Sat, 04 Nov 2023 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)In this episode we continue our discussion on taxes in retirement and talk about what happens when you sell your primary residence.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 28 Oct 2023 00:00:00 +0000 episode-6383 no Gary R Stoller full Sat, 28 Oct 2023 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)In this episode we continue our discussion on taxes in retirement by focusing on how and when life insurance and annuities are taxed.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 14 Oct 2023 00:00:00 +0000 episode-6329 no Gary R Stoller full Sat, 14 Oct 2023 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode, we continue our discussion on how different kinds of retirement income are taxed, so that you can hopefully feel more confident that your financial strategy is squared away.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 07 Oct 2023 00:00:00 +0000 episode-6306 no Gary R Stoller full Sat, 07 Oct 2023 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode, we examine various types of retirement income and what kind of taxes each of them may be subject to.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 23 Sep 2023 00:00:00 +0000 episode-6259 no Gary R Stoller full Sat, 23 Sep 2023 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)You need to know how your retirement income will be taxed and how to minimize that tax burden. Today we talk about why it's important to plan for taxes in retirement before you get there.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 02 Sep 2023 00:00:00 +0000 episode-6186 no Gary R Stoller full Sat, 02 Sep 2023 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode, we’re going to take a deep dive into long-term care insurance — what it is, how important it is, and what it may cost.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 28 May 2022 00:00:00 +0000 episode-4711 no Gary R Stoller full Sat, 28 May 2022 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode, we’re going to examine the fallout of the Fed’s recent rate increase and what it means for not only the economy but to the average person.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 30 Apr 2022 00:00:00 +0000 episode-4616 no Gary R Stoller full Sat, 30 Apr 2022 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)On this show, we’re going to first highlight some tips to help you enjoy summer while sticking to your budget and retirement strategy before examining the documents you should plan to bring with you on international travel.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 16 Apr 2022 00:00:00 +0000 episode-4573 no Gary R Stoller full Sat, 16 Apr 2022 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)In this show we address our current high rate of inflation and some of the budgetary and spending steps you can take to fight back against it.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 26 Mar 2022 00:00:00 +0000 episode-4494 no Gary R Stoller full Sat, 26 Mar 2022 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode, we’re going to discuss how you may be able to better handle economic volatility and Medicare’s long-term future.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 05 Mar 2022 00:00:00 +0000 episode-4428 no Gary R Stoller full Sat, 05 Mar 2022 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode we’re first going to focus on retirement tips and insights for women before closing out the show with a conversation about ways retirees may be able to secure dental care.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 12 Feb 2022 00:00:00 +0000 episode-4353 no Gary R Stoller full Sat, 12 Feb 2022 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this show, we’re going to first look at some of things you need to know about RMDs and then in our final segment we’ll discuss some of the financial mistakes that could put your retirement at risk.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 13 Nov 2021 00:00:00 +0000 episode-4076 no Gary R Stoller full Sat, 13 Nov 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Every project requires the correct tools. When building your financial future, you need the right tools to evaluate and analysis your strategy. This episode examines some potential options.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 06 Nov 2021 00:00:00 +0000 episode-4051 no Gary R Stoller full Sat, 06 Nov 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During today’s show, we’ll highlight the numerous ways you may be able to save money on healthcare while still ensuring that you’re receiving all the services you need.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 30 Oct 2021 00:00:00 +0000 episode-4029 no Gary R Stoller full Sat, 30 Oct 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this show, we’ll examine some of the financial resources and possibilities that are available to you at the very important ages of 50 and 65.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 16 Oct 2021 00:00:00 +0000 episode-3986 no Gary R Stoller full Sat, 16 Oct 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)In this episode we continue our discussion about some of the important things you should consider if you’re buying or selling a home in today’s red-hot marketplace.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 25 Sep 2021 00:00:00 +0000 episode-3926 no Gary R Stoller full Sat, 25 Sep 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this show, we’re going to discuss some of the important things you should consider if you’re buying or selling a home in today’s red-hot marketplace.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 28 Aug 2021 00:00:00 +0000 episode-3838 no Gary R Stoller full Sat, 28 Aug 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)On this episode, we examine the 10 potentially critical things you need to know if you’re considering early retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 21 Aug 2021 00:00:00 +0000 episode-3820 no Gary R Stoller full Sat, 21 Aug 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode, we’re going to discuss some of the financial insights and lessons you’ve learned during your life and how you can put that information to work helping your kids and grandkids make their own financial strategies stronger.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 07 Aug 2021 00:00:00 +0000 episode-3777 no Gary R Stoller full Sat, 07 Aug 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Defining what a Bear Market is and addressing the stages and causes. Also, strategies designed to help keep your retirement safe from a bear market.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 03 Jul 2021 00:00:00 +0000 episode-3644 no Gary R Stoller full Sat, 03 Jul 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode, we’re going to examine some of the common myths about retirement and Social Security and why knowing the difference between myth and reality is important for your financial strategy. To add a little fun, we’ll also share some of our favorite historical myths.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 26 Jun 2021 00:00:00 +0000 episode-3614 no Gary R Stoller full Sat, 26 Jun 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Inflation is a concern for some people in retirement. Let’s discuss the current inflation news and then examine ways you can build a budget and a retirement strategy that may offer some degree of protection against inflation.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Fri, 18 Jun 2021 00:00:00 +0000 episode-3591 no Gary R Stoller full Fri, 18 Jun 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Market Update 6-18-21social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Thu, 04 Mar 2021 00:00:00 +0000 episode-3203 no Gary R Stoller full Thu, 04 Mar 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Bond Vigilantessocial,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Wed, 27 Jan 2021 00:00:00 +0000 episode-3068 no Gary R Stoller full Wed, 27 Jan 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Gold vs Stockssocial,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Wed, 13 Jan 2021 00:00:00 +0000 episode-3014 no Gary R Stoller full Wed, 13 Jan 2021 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)In this episode we talk about possible financial strategies for your money and your retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 05 Dec 2020 00:00:00 +0000 episode-2906 no Gary R Stoller full Sat, 05 Dec 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode, we’ll be discussing how you can build an legacy plan or adjust your current plan to better reflect your needs during the coronavirus pandemic. We’ll also look at some more general financial steps you may want to take during the pandemic.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Fri, 27 Nov 2020 00:00:00 +0000 episode-2879 no Gary R Stoller full Fri, 27 Nov 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)During this episode, we’ll discuss how you may be able to use Black Friday to your advantage when it comes to buying big-ticket items and holiday gifts. We’ll also examine ways you can better prepare your finances for the holidays.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 01 Aug 2020 00:00:00 +0000 episode-2498 no Gary R Stoller full Sat, 01 Aug 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Looking toward retirement should be a time of optimism and excitement for couples. But in reality, there are numerous traps and obstacles standing between couples and a fulfilling retirement. Yet, with some honest conversations and comprehensive strategizing, couples can view their impending retirement with confidence.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 25 Jul 2020 00:00:00 +0000 episode-2478 no Gary R Stoller full Sat, 25 Jul 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Early retirement is a tempting idea. Get to that brass ring early. More time to enjoy retirement life. But what are some drawbacks? What challenges will you face? This episode looks at several things you should consider when looking at early retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 18 Jul 2020 00:00:00 +0000 episode-2455 no Gary R Stoller full Sat, 18 Jul 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Examining some of the pros and cons of taking out a 401(k) loan.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 25 Apr 2020 00:00:00 +0000 episode-2230 no Gary R Stoller full Sat, 25 Apr 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Breaking down some of the most eye-opening statistics when it comes to retirement savings in America.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 18 Apr 2020 00:00:00 +0000 episode-2214 no Gary R Stoller full Sat, 18 Apr 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Things to consider when looking at moving into a retirement community before you retire. What are the advantages to moving to a retirement community during your working years?social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 11 Apr 2020 00:00:00 +0000 episode-2188 no Gary R Stoller full Sat, 11 Apr 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)There are a few things that you can do in light of COVID-19 that will help you understand your path to retirement better and can help you do something besides worry.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 04 Apr 2020 00:00:00 +0000 episode-2165 no Gary R Stoller full Sat, 04 Apr 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Addressing common questions related to Medicare to help with your health, retirement and savings.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 28 Mar 2020 00:00:00 +0000 episode-2141 no Gary R Stoller full Sat, 28 Mar 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)In today's episode we talk about what kinds of health care costs are not covered by Medicare.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 21 Mar 2020 00:00:00 +0000 episode-2121 no Gary R Stoller full Sat, 21 Mar 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Where do you even start when looking at Medicare? This episode serves as a potential beginner’s guide to Medicare. This can be a confusing subject. There are so many parts, rules and regulations. We break some of those parts, rules and regulations down for you.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 22 Feb 2020 00:00:00 +0000 episode-2049 no Gary R Stoller full Sat, 22 Feb 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)Many people make assumptions. Especially about retirement. This episode looks at some potentially dangerous misconceptions that could impact your retirement. How can you avoid these misconceptions and protect your retirement strategy?social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 01 Feb 2020 00:00:00 +0000 episode-1988 no Gary R Stoller full Sat, 01 Feb 2020 00:00:00 +0000 radio@gradientps.com (Eric Scoggins)You have worked long and hard to make it to retirement. How can you ensure that you are experiencing the type of enjoyment you desire in retirement? It is more than simply having enough savings or financial security. This show examines some potential tips to help.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services