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WEEKLY TOPICS

ABC4 Financial Friday

Welcome to Financial Friday—Capita Financial Network’s weekly, plain-English breakdown of the money topics that matter. Each Friday, we unpack retirement planning, tax strategies, market moves, and everyday budgeting so you can make informed decisions with confidence. Watch the latest segment, skim key takeaways, and grab our quick checklist.
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The Two Five-Year Rules: Avoiding Roth IRA Penalties and Surprises
Play
Roth IRAs are built to offer tax-free growth potential, but two key 5-year rules determine whether withdrawals truly stay tax- and penalty-free. This episode explains the “forever” 5-year rule that governs taxes on growth and the separate 5-year conversion rule that applies to Roth conversions. Together, these rules highlight why starting the clock early and understanding each timeline is essential to supporting your Roth benefits.
5 Minutes
2025 Year-End Tax Checklist
Play
In this episode, we outline ten key financial tasks to tackle before the end of 2025, along with three bonus items to keep on your radar. We walk through practical strategies like adjusting retirement contributions, harvesting capital gains or losses, considering Roth conversions, help optimize charitable giving, and managing RMDs and QCDs. The episode breaks these concepts down in a straightforward way, helping you understand how each step fits into a stronger financial foundation.
5 Minutes
Guide to Financial Professionals
Play
Knowing who’s giving you financial advice matters. Advisors, brokers, and agents can play very different roles, each with unique motives and pay structures. Our YouTube series and free Guide to Financial Professionals break down the differences so you can make informed, confident decisions about your money.
5 Minutes
Roth Misunderstanding
Play
The “Same Spendable” concept shows that with equal tax and growth rates, your spendable income stays the same, no matter the account type. But when tax rates shift, strategy matters. Learn when to choose Roth, Traditional, or both in our five-part All About That Roth podcast series.
5 Minutes
Financial Planning for Beginners
Play
Financial planning begins with a solid foundation. Start by fixing weak spots in your finances, like debt and lack of insurance, then take advantage of free employer benefits and set up automated retirement savings. These simple steps create systems that protect your future and build lasting confidence.
5 Minutes
Intro to Capita & Zacc Call Money Education Youtube Channel
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At Capita Financial Network, we believe financial confidence starts with education. From teaching Social Security in Utah to hosting a long-running podcast and YouTube channel, we deliver clear, practical financial insights. Access free tools, webinars, and events through our Education Center and Financial Fridays to take control of your money with confidence.
5 Minutes

Resources

Everything you need for this week’s topic and more —watch the clip, skim the key takeaways, and use our guides, checklists, and calculators to put the ideas into action.
Tools & Resources
7 Prosperity Project
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Tools & Resources
How to Calculate Taxes on Your Social Security Benefits
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Tools & Resources
Top 10 Year-End Tax Moves for 2025
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Tools & Resources
Net Worth Calculator Tool
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Roth IRA Explanation
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Guide PDF
Guide To Financial Professionals
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Education Center
Education Center
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UPCOMING TOPICS
Keep a lookout for new topics as they are published in the coming weeks!
Retirement Made Simple
Jan. 2nd
Shifting from a steady paycheck to living on withdrawals requires a clear sequence of financial decisions. This episode breaks down how to potentially optimize Social Security, evaluate fixed income sources, structure withdrawals, and manage taxes, inflation, and bracket impacts. By mapping your “flight path” into the future, it shows how thoughtful planning, and the flexibility to adjust, can help you create a smoother transition into retirement.
5 Minutes
Your Best Financial Year
Jan. 9th
Many people want to manage their money confidently but don’t know where to start, so this episode introduces a simple weekly system for building strong financial habits. Each task fits into one of eight core planning areas, including spending, saving, taxes, insurance, and estate planning, and helps you create a consistent routine that keeps your finances moving forward. It’s a practical approach to staying organized, building momentum, and supporting steady progress throughout the year.
5 Minutes
New Lines & Limits, Rules for 2026
Jan. 16th
Each year, new lines and limits shape key financial decisions, including 401(k) and IRA contribution changes, tax bracket updates, and adjustments to deduction amounts. Reviewing these updates early in the year, such as confirming Roth IRA income limits or updating your withholdings, can help ensure your strategy reflects current rules.
5 Minutes
Retirement Income Risks You Must Plan For
Jan. 23rd
Retirees face four key income risks: sequence of returns, inflation, longevity, and inflexibility. These include the chance of experiencing poor market years early in retirement, rising living costs, living longer than expected, and selecting investments that limit access to funds. Understanding these risks can help retirees structure an income strategy that aligns with their needs and circumstances.
5 Minutes
You’re Not Too Late: Financial Planning from Ages 40 to 60
Jan. 30th
Financial planning in your 40s through 60s brings different challenges because there is less time for course corrections and decisions can affect future flexibility. It is not too late to make meaningful progress, and this stage often involves shifting from asking whether you have enough to understand how your retirement income will work. Focusing on savings habits, debt, spending needs, and how assets are structured can help clarify the gap between Social Security and total retirement spending.
5 Minutes
The Fake Paycheck
Feb. 6th
Managing cash flow is often more important to long-term financial stability than focusing on income alone, yet relying on constant self-discipline can be difficult. A “fake paycheck” system simplifies this by directing all income into one account and transferring a set weekly amount into a separate spending account. This structure can help create consistency in saving and spending without requiring ongoing restraint.
5 Minutes
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MONEY EDUCATION

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Topics Discussed:

  • Income Planning
  • Social Security
  • Investing
  • Tax Planning
  • Estate Planning
  • Business Owners
  • Charitable Giving
  • Insurance

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Disclosures
© 2025 Capita Financial Network. All rights reserved.

All information provided through Education is for educational purposes only and does not constitute investment, legal or tax advice, an offer to buy or sell any security or insurance product; or an endorsement of any third party or such third party’s views. Whenever there are hyperlinks to third-party content, this information is intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals or points of view outside Capita Financial Network. All examples are hypothetical and for illustrative purposes only. Please contact us for more complete information based on your personal circumstances and to obtain personal individual investment advice.
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Capita Financial Network does not offer tax or legal advice. Interested parties are strongly encouraged to seek advice from qualified tax and/or legal experts regarding the best options for your particular circumstances. Videos presented on this website are for educational purposes only and do not constitute investment advice or an offer to buy or sell any security or insurance product.
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© 2025  All advisory services offered through Capita Financial Network, a SEC registered investment advisor. Registration with the SEC does not imply certain training or skill. Results are not guaranteed.