In this episode of From the Orange Couch, Robert W. Tull, Jr., CFP®, President & CEO, and Drew Overton, CFP®, Wealth Advisor, dive into practical strategies for managing highly appreciated investments that carry large unrealized capital gains. They explain why many investors hesitate to rebalance because of capital gains taxes, and they share ways to manage that tax bite while still staying aligned with long-term investment goals.
Key questions this episode helps answer:

• Why do investors often avoid rebalancing taxable accounts?
• What is a capital gains budget?
• Is deferring capital gains taxes as valuable as people think?
  
• What is the risk of holding appreciated assets just to avoid taxes?
• When does charitable giving make sense for reducing capital gains?
• What is the donate-and-replace strategy?

Thanks for joining us on the Orange Couch! If you found this helpful, be sure to like, subscribe and share with others who might benefit. Don’t forget to check out our previous episodes for more financial insights, and stay tuned for the next installment. If you have questions or need personalized guidance, reach out to our team—we’re here to help!

In this episode of From the Orange Couch, Robert W. Tull, Jr., CFP®, President & CEO, discusses why reviewing your IRA beneficiary designations is critical to protecting your financial legacy. He highlights several common mistakes, such as failing to update beneficiaries after major life events, and explains why these forms—not your will—determine who inherits your retirement accounts. The conversation also covers strategies like using trusts for minors or financially inexperienced heirs, and the tax implications of the SECURE Act for non-spouse beneficiaries.

Key questions to guide discussion include:

• Why is it so important to review IRA beneficiary designations?
  
• What are some common ways IRA beneficiary designations can go wrong?
• Could a trust be used for minor beneficiaries?
  
• What’s the difference between a spouse and non-spouse beneficiary in an IRA?
• What are some myths about IRA beneficiary designations?
• If the beneficiary passes before the account holder, what does that mean?

In this episode of From the Orange Couch, Robert W. Tull, Jr., CFP®, President & CEO, sits down with Drew Overton, CFP®, Wealth Advisor, to break down the tax legislation referred to as the “One Big Beautiful Bill” signed in July 2025.

Together, they address common questions and highlight how the bill prevents tax increases that were scheduled to take effect, introduces new deductions and credits, and expands flexibility in financial planning tools. The conversation covers changes to marginal tax rates, tips and overtime, education savings, estate planning, charitable giving, and small business incentives.

Key questions to guide discussion include:

• How will this bill affect the taxes I pay?
• How does this bill help my family save for our children’s future and education?
• Can I still benefit from charitable giving even if I take the standard deduction? What if I itemize?
• As a small business owner, what kind of tax relief or incentives can I expect?

In this episode of “From the Orange Couch,” Robert W. Tull, Jr., CFP®, President & CEO of Tull Financial Group delves into how emotions can significantly influence investment decisions. Common emotional reactions to market news, such as fear and greed, are discussed, along with strategies for maintaining a long-term mindset.

Key questions to spark meaningful discussion include:

• How can investors differentiate between valuable information and noise in the 24-hour news cycle?
• What are some common emotional reactions to market news, and how can investors manage them?
• Would you share personal experiences or examples where emotional decision-making impacted investment outcomes?
• What practical steps can investors take to create an emotion-proof investment strategy?

In this episode of From the Orange Couch, Robert W. Tull, Jr., CFP®, President & CEO of Tull Financial Group interviews special guest, Douglas W. Davis, Attorney and Managing Partner of Davis Law Group on proactive estate planning tips that can provide peace of mind and a lasting impact for the ones you love.

Together, they answer these commonly asked questions:

• Why are estate planning documents like wills, powers of attorney, and medical directives important?
• How do revocable trusts compare to wills in terms of avoiding probate, ensuring privacy, and improving efficiency?
• When is a trust necessary? When will a will suffice?
• How does property pass after death? What are the implications of probate delays and costs?
• How can estate planning protect a surviving spouse and family?

In this episode of From the Orange Couch, Robert W. Tull, Jr., CEO & President of Tull Financial Group discusses simple strategies for protecting the finances of older adults who may be contending with cognitive or capacity issues.

Robin touches on how best to plan for our older years by addressing these questions:

• What types of planning are necessary? What does estate planning mean?
• What are some signs to look for in someone who may have diminished capacity?
• What is the importance of having a Last Will and Testament, Power of Attorney or Medical Directive?
• What is a Trusted Contact? How does having one protect me?

Our video series on personal finance, From the Orange Couch, is back with Robert W. Tull, Jr., CFP^®, President & CEO of Tull Financial Group answering several commonly asked questions about life insurance.

Click to watch and learn more about:

• What is the purpose of life insurance? What are the different types?
• How does life insurance fit within my financial plan?
• If I decide to get life insurance, how much coverage do I need?
• What are some things I should consider when shopping for life insurance?

In this episode of From the Orange Couch, Robert W. Tull, Jr., CFP^®, President & CEO of Tull Financial Group interviews special guest, Colonel Mark Papen, U.S. Air Force (Retired) on the emotional and psychological impact of transitioning to retirement.

If you’re looking to retire in the near future, this is a discussion you won’t want to miss! Join Robin and Mark as they share practical tips and sage advice for preparing for retirement and living a purposeful, confident retirement.

Making smart choices about how you donate to the causes you care about most can amplify your impact and may even help alleviate some of your tax burden. In this month’s episode, Robert W. Tull, Jr., CFP^®, President & CEO of Tull Financial Group discusses the tax benefits and strategic uses of donor-advised funds (DAFs) as a thoughtful and tax-efficient way to give.

He answers the following commonly asked questions:

• How do I optimize my charitable giving to benefit my overall financial plan with the help of a financial advisor?
• What is a donor-advised fund?
• How do I utilize a donor-advised fund to benefit my charitable giving?
• Can I donate long-term appreciated stocks to avoid potentially significant capital gains?

In this episode of our video series entitled, From the Orange Couch, Robert W. Tull, Jr., CFP^®, President & CEO of Tull Financial Group, provides some practical ways to get the greatest value from your employee benefits, including the following:

• How can employee benefits help in planning for retirement?
• How much should I contribute to my 401(k) plan?
• How does inflation affect my retirement savings, and how can I protect against it?
• What should I do with my 401(k) when I change jobs?
• What are some benefits employers offer that I should be optimizing?

In this episode of our From the Orange Couch video series on personal finance, Robert W. Tull, Jr., CFP^®, President & CEO of Tull Financial Group, tackles some common questions about retirement planning, including:

• Will I have enough income to last through retirement?
• When should I start drawing Social Security benefits?
• What are some financial planning factors to consider when getting ready to retire?
• How should I plan for healthcare costs in retirement?

In the introductory episode of a new video series entitled, From the Orange Couch, Robert W. Tull, Jr., CFP^®, President & CEO of Tull Financial Group, shares some personal insights derived from more than 35 years of financial planning experience.