You’re Not Behind — You’re Just Playing the Wrong Financial Game

In Episode 112 of the Money PIG Podcast presented by Goodwin Investment Advisory, Tim Goodwin is joined by his newly promoted co-host Joe Beckford. This episode blends practical wisdom with a friendly, approachable tone as they explore the quiet financial costs that can sneak up on high-net-worth families if planning is left on autopilot

Rather than focusing on market predictions, Tim and Joe encourage listeners to be intentional in 2026 by paying attention to patterns, missed opportunities, and the cost of waiting.

In this episode, they cover

• Why missed planning opportunities can quietly cost more than market swings
• Commonly overlooked strategies like Roth conversions, backdoor Roths, and QCDs (qualified charitable distributions).
• How giving appreciated securities or using a donor-advised fund can be more effective than giving cash
• Where money often leaks out through taxes, disorganization, and unaligned advisors
• Why your financial advisor, CPA, and estate attorney need to work together
• How assumptions about last year can lead to surprises in the next one
• The real cost of waiting includes penalties, missed tax savings, and outdated estate documents
• One key area to review in 2026 is the different tax types your money is invested in and why having a mix matters.

The big takeaway
Be intentional, not accidental. Have a plan, update it often, and do not do it alone.

Resources and next steps:

Blog Post: How Financial Planning Can Help you Reach Your Long-Term Goals

Blog Post: Things You Didn’t Know a Financial Advisor Could Do For You

Podcast: Things You Didn’t Know a Financial Advisor Could Do For You

For personalized financial guidance, schedule an intro call with our team at Goodwin Investment Advisory in Woodstock, Georgia . Our CFP® professionals can provide advice and help you navigate how to invest your wealth and plan for your retirement. We’d love to help you live out your legacy! To learn more about the benefits and services we offer click here.