Many retirees rush to claim Social Security early out of fear—discover why that decision could be a bigger mistake than you think.

📲 Connect with Us

Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement

Matt Magee: Mmagee@mforcecapital.com

About: Get insider, real-world advice on managing family finances, overcoming the “spender vs. saver” struggle, and making smarter Social Security decisions—straight from veteran advisors who have seen it all. Learn why communication matters more than any spreadsheet, how to plan around spending gaps, and the hidden dangers of “bonus season” overspending (especially for high earners). We dig deep into social security fears, bust the top myths, and show how to turn money stress into lasting peace. If you’re navigating marriage, raising kids, and wondering how to actually make a financial plan work in real life—not just on paper—this episode is your must-watch guide.

Chapters:

00:01 – Intro & Family Travel Philosophy

01:37 – The Gift vs. Experiences Debate

02:20 – Money, Marriage, and Managing Finances

13:47 – Is Taking Social Security Early a Mistake?

16:47 – Financial Fear vs. Logic in Decision Making

18:31 – What Index Should You Care About?

19:25 – How Couples Can Start Healing Money Issues

22:23 – When “Just Talking” Isn’t Enough

23:49 – Ground Rules for Spending at Home

26:05 – Social Security Planning (If You’re Worried)

29:19 – Should You Make Financial Decisions on Fear?

30:36 – Final Thoughts & Wrap Up

Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

Did Congress just lock in your tax rate for the next decade — and not tell you? Here’s what they’re really planning.

📲 Connect with Us

Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement

Matt Magee: Mmagee@mforcecapital.com

In this episode of The Paper Gain Show, Johnathan Rankin, and Matt McGee CFP® break down the 2025 GOP tax proposal — a 350-page draft that could reshape your income, deductions, and retirement strategy for years. From extending Trump-era tax cuts and bonus deductions to the debut of MAGA accounts, this tax plan is loaded with both opportunities and landmines. Whether you're a retiree, business owner, or just trying to keep more of what you earn, this is the clearest look yet at where U.S. tax policy is headed — and what you need to do now before it’s too late.

Chapters:

0:00 – Welcome & Overview of the Big, Beautiful Tax Bill

1:00 – Personal Tax Brackets, Deductions & Senior Benefits

3:00 – Business Owner Wins & Estate Planning Updates

6:00 – Itemized Deductions, SALT Cap & Tip/Overtime Gray Areas

10:00 – New Accounts: MAGA, 529s, HSAs & Auto Loan Rules

13:00 – What’s Missing, What’s Next & Why You Should Act Now

Disclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.

Warren Buffett just stepped down as CEO of Berkshire Hathaway after 60 years—and the investing world may never be the same.In this episode of The Paper Gains Show, we unpack the biggest lessons Buffett leaves behind, what most investors still get wrong about his strategy, and what Berkshire’s future could look like without him. 📲 Connect with Us Johnathan Rankin: Johnathan@mforcecapital.com or @thinkretirement Matt Magee: Mmagee@mforcecapital.comAbout:This episode reflects on the investing legacy of Warren Buffett, exploring the wisdom he shared with generations of investors and the unique investment strategies that made him a legend. We discuss Buffett’s impact on financial planning, diversification vs. concentration, long-term investing principles, and his successor’s future challenges at Berkshire Hathaway. Whether you're a retiree managing your portfolio or an investor fascinated by timeless financial wisdom, this is a must-watch tribute.Chapters:0:00 – Buffett Steps Down: Why It Matters1:27 – How Buffett Shaped Our Investment Thinking3:32 – The Story Behind Buying Berkshire: Pettiness or Genius?8:13 – Why Most Investors Don’t Follow Buffett’s Strategy12:27 – Does Concentration Still Work in Today’s Market?18:24 – Can Anyone Recreate What Buffett Built?24:40 – Buffett’s Biggest Lesson: Stay True to Your StrategyDisclaimer: mFORCE Capital and Theorem Wealth Management is a group of investment professionals registered with Sanctuary Securities Inc, member FINRA and SIPC, and with Sanctuary Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Sanctuary Securities, Inc advisory services are offered through Sanctuary Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. Theorem Wealth Management and mFORCE Capital and Sanctuary Securities Inc or Sanctuary Advisors LLC shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This presentation was created for informational purposes only; the opinions expressed are solely those of Theorem Wealth Management and mFORCE Capital and do not represent those of Sanctuary Securities Inc or Sanctuary Advisors, LLC, or any of its affiliates. Sanctuary Advisors do not provide tax or legal advice. This material was not intended or written to be used or represented to any entity as tax advice or tax information. Tax laws vary based on the clients' circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisors for any related questions.