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Natalie Slagle 00:00

This adds up. We work with high earners in Portland, and if you're not paying attention to get an $8,000 tax bill, I don't care how much money you're making, it pisses you off. And in this example, my guess is that the couple's employer would be withholding something. Is it enough? Probably not. We've seen a lot of employers mess this up, so it is so important to at least have a plan around it. Like maybe you're like, yeah, my employer is not withholding it. It's it just you need to have a plan. Welcome to Money Dates, the podcast that makes money conversations with your partner feel a little less taboo. I'm Natalie Sleigel, a certified financial planner, and I'm joined by my husband and business partner Dan Slagle, also a certified financial planner. Say hi, Dan. Hello. In each episode, we'll share honest stories and practical tips to help you and your partner feel more connected and confident on your financial journey. So grab your drink, get comfortable, and join us for our money dates. Hello, everybody! I am very excited. We are recording on a Friday, which is a hard day for me to stay focused at work. And there were so many exciting things that happened this week, Dan. Would you like to chat about those exciting things?

Dan Slagle 01:25

I think every episode that you open up, you always say, "I'm so excited. I'm

Natalie Slagle 01:34

an excited person, Dan.

Dan Slagle 01:37

It's good that you are an excitable person. Is excitable a word? Anyways,

Natalie Slagle 01:41

it is now.

Dan Slagle 01:43

It is now for the purpose of this episode. No, I appreciate your excitement towards life. I sometimes can be the opposite, you know. And maybe I don't want to be a Debbie Downer, but you're definitely the excitable, excitable. They were going to use it again. Excitable one in the relationship.

Natalie Slagle 02:01

That is true. What happened this week in real time that we're really proud of?

Dan Slagle 02:06

What happened this week is we launched officially launched our rebrand. It is now out in the world.

Natalie Slagle 02:12

Yes, I'm so excited, and this is our rebrand for our financial advising company. And look for those of you who are watching, look

Dan Slagle 02:23

at this. I'm showing. I have to.

Natalie Slagle 02:26

I have to like vocalize what I'm doing. I am holding up a t-shirt. It is a t-shirt that has our. We hired a brand specialist, and I've I've talked about this before, and she's incredible, y'all. If you need anything done, you hire people who are better than you, right? Okay. Anyways, look at what she did for us. This is so cool. And then it says our company equal voices wealth. I'm just like overwhelmed with joy at this. Okay, so we had a big debate because here's 1t-shirt, and then okay, grabbing the other one. Hold on, there's the other T-shirt.

Dan Slagle 03:09

That one is my T-shirt. Let's just call it how it is. That is my T-shirt.

Natalie Slagle 03:13

Listeners, we were fighting earlier this morning via text because yes, Dan and I text each other in the middle of the workday fighting, and I was revealing, hey, we got all these T-shirts, and to my surprise, Dan and I ordered the same size, the same size. And I'm like, should I be offended? Because Dan, you're bigger than me, but maybe you're not. I don't like you're taller than me. But anyways, we got the same size T-shirt, and I was like, okay, so here's this is official. We did have to look it up. This one is mine. It's kind of a reddish orange over a purple. That's the logo icon. I don't know.

Dan Slagle 03:51

It's the icon. It's the icon.

Natalie Slagle 03:52

Icon. Icon. And then this one is really retro. Like I think like retro Reebok or '80s champion windbreaker, that's a good one. Blue over red icon, and this just pops. This says, "I'm here. Look at me. I was like, "I want this one, and Dan was like, "No, that's fine. And we fought about it. It is Dan's. That's the one he picked out. I picked out the other. But the beauty of when you are the same size as your partner is, you have to share. You get to.

Dan Slagle 04:27

So here's my thing, Natalie. Real quick, let me talk to the world about my next business venture that I am going to be participating in once I have time. And it goes about sharing

Natalie Slagle 04:37

with your partner. It is not. It is. It is

Dan Slagle 04:40

not that actually. It is the opposite of that. So you are going to be really disappointed. At the beginning of this idea, it all started in 2018. We were living in Portland, which again we'll talk about here in this episode. But we were at we we were living our full Portland lives at this time. And Natalie, I think you went. To an overnight like yoga retreat that had, or a weekend yoga retreat that had like goats, or I don't know, you're doing some hippie stuff in the woods. But anyways, then we got on the vegan train and we went to Vegan Fest, and there was this cool company that had really nice t-shirts called it was like Vegan Gangster or something. It wasn't that cool, but like the concept at the time, I was like, "Yeah, that I would get a T-shirt. Be

Natalie Slagle 05:23

a vegan gangster. Yeah.

Dan Slagle 05:25

So I I had this T-shirt, and I got into a conversation with one of the guys at the booths, and we were like the same frame. I'm six feet, probably like around 175 on a good day. I think that's a good day at least. So I have issues with T-shirt sizing, my issues are I am either a large or a medium, depending on the brand, and I have no idea until I actually buy the shirt. And then, obviously, you know there might be some shrinkage taking place-not like the George Costanza Seinfeld shrinkage, but like the T-shirt shrinkage, right? So, like, I'm like in this weird middle ground of I could be a medium or I could be a large, and I don't really like my t-shirts to be tight fitting. But I got into a conversation with this guy, and we started being like, "Yes, I totally relate. Like we were just we hit it off, medium, large. What are we? And we decided to come up with the idea for a t-shirt brand called Medium large, so an in between size for people like me. Anyways, how that relates before I got on this tangent is, I don't know if the medium is going to fit me until I go home and try this T-shirt on for the first time. So best case scenario for you is you might actually get 2t-shirts.

Natalie Slagle 06:41

That's true, and it's nice because we do have a large here as well, so you can try that on and see if that's better. And these are boxy fit. You know, that's like the cool thing, boxy.

Dan Slagle 06:52

Okay. Anyways, what are we talking about today?

Natalie Slagle 06:54

Okay, today is a podcast for our Portland listeners, and obviously, if you're not in Portland, you can still listen. But this is very specific to what Portland high earners need to know when it comes to the the Multnomah County and Metro taxes. Those sneaky taxes that came up in 2020, effective 2021, and we're seeing, we're just seeing things come up with our clients about this, so we're having a podcast about it, and of course we have a blog about it because there's going to be a lot of useful links that we talk about, and I want you to have it in writing, in podcast format, and so you can tackle these funky taxes. That's what we're talking about today.

Dan Slagle 07:43

It's super important, and no one likes receiving a letter. I don't care where you live. If you're listening to this and you're like, "I'm tuning out, you shouldn't tune out because where you live might actually have taxes that are very similar. No one likes receiving a mail. Like my worst moments in my life. Not really. You're

Natalie Slagle 08:01

exaggerating. Yep,

Dan Slagle 08:02

I'm exaggerating, but a lot of my a lot of my worst moments come from like going downstairs. The mail has been dropped off, and I see a letter from some sort of tax authority, and I'm like, "Oh gosh, I have to open this. Like, what do I owe? What do I owe?

Natalie Slagle 08:20

Yeah, and that is

Dan Slagle 08:21

sometimes unavoidable, but I hope this podcast and the blog help alleviate some of those moments for the rest of you.

Natalie Slagle 08:30

Exactly, this conversation is about local taxes. So we just got notifications in the mail from 2024 because we actually overpaid, which is insane. We got between the two different between these two different taxes, we got $154 back. And I'm really good with taxes and with our taxes, so I'm like, I feel like you all messed up. Because usually I get this right, but whatever. I'll take your 150 bucks. The other thing that we're not going to get into because it's not a lot of money, but there's also in Portland. So we have these two taxes that everybody now sees and starting to get familiar with. But there's also the art tax, and I just want to say a little funny side story with this because I don't know. It must have been three or four years ago we were having game night with our friends and we were talking about this. I think it's 70 $75 a year art tax that we were having a conversation at game night, and two of our friends were like, "I don't pay that. I was like, "You don't pay that? And they're like, "No, I'm not paying that. Are you, you know? And I'm like, "All right, all right.

Dan Slagle 09:37

We were like, "You need to pay your tax. Oh yeah, it's like you need to that gets traced back to you. You're gonna like money,

Natalie Slagle 09:44

and we got a text from them, both of them at the same time. What, like a month ago, and they were like, "So the authorities found out that we haven't been paying, so now we have to pay the taxes we weren't paying, and the penalty is 100%." Of the tax we didn't pay, y'all, this stuff is tracked. Pay your taxes. I'm gonna send them this episode and be like, y'all, I threw you under the bus. So thank you for your story. Okay, let's get into it. So first and foremost, we have two major taxes that we are talking about today: the Metro Supportive Housing Service Personal Income Tax, and that's a mouthful.

Dan Slagle 10:25

That's a mouthful.

Natalie Slagle 10:26

I feel like a lot of people talk about it as the Supportive Housing Tax, so maybe we'll we'll just say that to be short. And then the second tax is the Multnomah County Preschool for All Personal Income Tax. Okay, so the short one for that is the preschool for all. So we've got the supportive housing and the preschool for all tax. So these were approved in 2020 and went into effect in January of 2021. So we have five years now that we've been handling these taxes. I guess

Dan Slagle 11:00

paying paying the taxes is yeah yeah

Natalie Slagle 11:02

paying the taxes, so they've been around. But I think as people's income changes or people who move to Portland, this is just like a surprise, and I'll talk about why it's a surprise here in a second. But it's a tax, right? So a lot of our clients who have jobs and their federal and state income taxes are being withheld, they think, well, aren't they going to withhold my supportive housing and preschool for all tax? And the answer is yes, sort of, because it didn't start until January 2022, where employers were required to withhold these taxes. So required to withhold, they didn't have to, but now they're required, but only for those who earn more than 200,000. Okay, and we'll talk about why it's 200,000 in a second. But that, in it of itself, can cause problems. Dan, do you want to talk about why that could be a problem?

Dan Slagle 12:07

Yes, the first problem that if you were an individual making, let's say, 180,000 as your base salary at the start of the year, and then you go up for promotion, whatever it may be, salary increases, and then that puts you like over the 200 level. I think the issue is like as your income increases, or like if you're getting bonuses throughout the year, for example, you may not have the correct amount of withholdings set up throughout the course of the year to match. Right, so that in itself could lead to some underpayments. That is probably one that I see commonly. I think the the other problem that comes up. So we'll call that problem number one. Problem number two, when it comes up, is is the tax is actually based on your household income, right? So the required withholding from your employer is based on you as an employee and doesn't count the other person's income, the other partner's income. So, in 2026, the supportive housing income threshold for married filing jointly is 200,000. So, if both partners made, let's call it 190,000, that's below the threshold. The supportive tax may not have actually been withheld from your employer because each of you makes 190,000. You're below the 200,000 threshold, for example, but your total household income is 380,000 in this example, right? Which is yeah, it's like significantly over, right? It's like double over. Those are like the two big things that come up. Is like your payroll system, your employer isn't talking to your other employer or your other partner's employer, right? So, like these things are getting missed and they're misaligned. Those are some big issues that we've run into.

Natalie Slagle 14:09

Yeah, I think we went into this when this tax has been created. Is is that we kind of trusted that employers with were withholding enough, and we've just soon realized with clients kind of giving feedback on it that it's not happening, and so this is why we're we're like we are we are we we got to pay attention because no one else is paying attention to this on behalf of you know our clients and and stuff. So you know take matters into your own hands

Dan Slagle 14:37

in the world of remote work, right? Like if your employer is out of state but you reside in Bultnomah County, they, I would hope they would know and have the systems in check to know this. And in 2026, five years after the tax has been introduced, or four years after you've been required to withhold it, but sometimes those things still get missed.

Natalie Slagle 14:56

Yeah, and sometimes they are withholding taxes, but. Not enough. All right, let's talk more specifically about each tax. So we're going to start first with the Metro supportive housing tax. So the supportive housing tax. So this is obviously a measure to raise money for people who are experiencing homelessness or are at risk of experiencing homelessness, and this service is to provide placement into housing, helping people pay rent, emergency services such as outreach and shelter. So there's actually a website that we'll link to in case, like I was kind of curious, but it tracks the progress. So where you know where is the how is the money kind of helping these initiatives that I was for, so I looked into this, and it said in Multnomah County from July 2021 through March 2026, there have been 5,556 households placed into housing. That sounds great.

Dan Slagle 15:58

It sounds great. I don't really know what to compare it to, honestly.

Natalie Slagle 16:00

Yeah, that's true. I have nothing to compare it to, but 5000 feels more than zero. So I like that.

Dan Slagle 16:07

Yeah, I like that. Yeah, yeah, for sure. Okay, so that that's an overview of what the tax is meant for. Obviously, do your own due diligence into it. I think the next big question that we'll want to talk about is like, how do you know if you need to pay the tax, right? Because at the end of the day, when it comes down to this podcast, taxes in general, like people want to know, like okay, you've shared a lot, but like how do I know if I need to pay it or not? So the supportive housing taxes are for those of you who live, work, or have income from metro sources. Again, even if not a resident of the metro-that's important to to mention as well. Metro sources business income within like the metro of jurisdiction. I said a lot of metros there, so you're getting the point, right? This includes like potentially 24 cities and unincorporated portions of places like Clackamas, Multnomah, and Washington counties. So we'll provide a link in the blog that we have in this section. There is a map of like the boundary address to look up if like you need to pay the tax.

Natalie Slagle 17:09

Yes, and I'm just gonna do like a shameless plug to our new blog. So obviously we've been talking about our brand, our new brand. Just check it out because it's so beautiful, and we have helpful articles. So this is going to be really helpful for all of our PDX high earners out there. So what income level? Okay, so does everyone have to pay this tax? No, because it is very dependent on income. So for the supportive housing tax, it is metro taxable income over 128,000 for individuals and 205,000 for joint filers in 2026.

Dan Slagle 17:48

I misspoke earlier in the podcast. Then, so I had said originally 200,000, but it's 205 for 2026.

Natalie Slagle 17:55

Yes, this one is 205, but the next tax is 200,000. So you didn't

Dan Slagle 18:01

confusing

Natalie Slagle 18:02

it. This is confusing. Thank you for saying that because this is very confusing. These numbers are set to be adjusted for inflation every year. So this is, I believe, 2026 for this specific tax, and it's not the same. It's just so weird. But this one, the supportive housing, the inflation has started, which is why we're at 205 for 2026. So, metro taxable income. Now, my second question, my tax brain was like, "Well, how do you calculate taxable income? And that is for another day, or give us a call, hire someone like us, and we can help calculate that because that's also confusing.

Dan Slagle 18:44

Okay, tax rate. So obviously we need we have the thresholds for taxable income, metro taxable income. How many times am I going to say metro? Like this could be this could be some sort of fun fun game. But anyway, so the the metro taxable income we have the thresholds now. The question is like, well, what is the tax rate for at least the supportive housing? What we're talking about right now. So the supportive housing tax is a 1% marginal personal tax on Metro taxable income above 128,000 for individuals and 205,000 for joint filers in 2026. So here's an example, Metro. So let's say your household joint, you file jointly your household joint Metro taxable income. Let's call it 532,000. Okay, very good money. You have a very healthy income as a as a household. Good for you. But now let me ruin it and rain on your parade and tell you what you might owe for taxes. So, your household income is 532,000. If we use the threshold, subtract out 205,000, then the income susceptible that for the supportive housing tax, the difference between your household income. The threshold puts you at 327,000. So, apply the 1% tax rate for the supportive housing to the 327,000. That gets you a total of $3,270 due for your household for specifically supportive housing. You like that math? That was good.

Natalie Slagle 20:22

That was good. That was great. I see the big takeaway because usually people are like walking or driving, and they're like, "I'm not writing any of this down. What do I need to actually extract from that? Not all of your income is taxed. Anything above the threshold is taxed, and we're using simple simple numbers here. Disclaimer, disclaimer. This isn't precise, but like in this example, it'd be probably pretty close. So, a household making over 500,000, you can expect a tax around three to 3500. Disclaimer, disclaimer. This is high high level stuff.

Dan Slagle 21:00

I think what you're saying is this: this is not official tax advice. We're just helping the general public.

Natalie Slagle 21:05

Yeah, we have to do that. I wish we weren't in a field that we had to have all these disclaimers and stuff, but I suppose then I would like run rampant over here and say things I shouldn't say. So disclaimers are important; they protect this consumer.

Dan Slagle 21:18

You for sure might do that, actually.

Natalie Slagle 21:20

I wouldn't, but never to like to do harm to someone purposely. That's a oh for sure.

Dan Slagle 21:26

That's that's not what I meant. I meant that you would just run rampant with anything.

Natalie Slagle 21:31

Yeah, it is good for me to have some sort of you know. That's why you're in my life, Dan. I need my Type A person in my life. Okay, so that is the Metro supportive housing tax 1% on income over 205,000. We're now at this household who made 532,000 has a tax of 3200, but that's just the metro supportive housing. Now we have to go to preschool for all. Okay, so what is the preschool for all tax? I mean, people are are pretty used to this now, but it provides three and four year olds in Multnomah County with free preschool. Not gonna lie, I I'm excited about this one.

Dan Slagle 22:12

You're you're excited about the possibility of when our daughter turns three next year not having to make any sort of payment for for schooling.

Natalie Slagle 22:19

Yeah, and daycare says that it's very likely that she will have a spot, and kids by I think by the time of 2030, the program is stating that anyone who wants, who obviously is in Multnomah County, who qualifies for this, interested families will have access to free preschool. I mean, we're talking about I don't know what preschool is supposed to cost. Anywhere from 1500 to $2,000 a month, maybe by that time. And I don't have that bill anymore. Heck yes! Remember the last episode when we were talking about do we have another kid? And I'm like, does this help me make that decision? Heck yes, it does. So yeah, I'm selfish and I do like this tax, and I will take advantage of it.

Dan Slagle 23:04

Mama's going shopping.

Natalie Slagle 23:06

Mama's going shopping. I like that. Okay, Dan, why don't you talk about how do you know if you need to pay this tax? The

Dan Slagle 23:14

Multnomah County Preschool for All tax is required for those who have taxable income over the threshold and live, work, or have income again from Multnomah County sources. So again, we'll provide a link to a map to determine if your your address is in fact located in Multnomah County. I hope you know that though without using a map. So what income level triggers the Multnomah County Preschool for All Tax.

Natalie Slagle 23:42

I'm going to rudely interrupt Dan here because we had to make a small correction post recording, and I'll explain that here in a second. But as Dan was talking, he was just about to share what level triggers what level of income triggers the Multnomah County Preschool for All tax, so it's 125 for individual, 200 for joint filers, but there's two different thresholds. So this is different than the the supportive housing tax we were talking about earlier. So that's when the income is triggered, or the tax is triggered, but the percentage of tax that you will pay is actually on two different thresholds. So this is what I needed to jump in and interrupt your programming with, because the preschool for all tax is a 1.5% marginal personal income tax on your Multnomah County taxable income above, like I said, 125 for individuals and 200 for joint filers, but wait, there's more. The preschool for all tax has an additional 1.5% for a total of 3% in this threshold for marginal personal income tax on that Multnomah County taxable income for individuals making over 250,000. And joint filers making over 400,000. So that was the piece that at the original recording we didn't add, and I was like, wait, we need to add this because this is for our high earners in Portland. So not only is there the one 5% tax, but there can be an additional 1.5% tax on those making over 250,000 individuals 400,000. joint filers. Clear as mud. Let me keep going. So I'm going to do the example here of that couple who's making over 500,000. So you have someone, a household making 532,000. Remember, there is that first initial threshold for a joint filing joint joint filers, so 200,000. So that leaves 332,000 subject to the preschool for all tax. So how is that calculated? Well, 1.5% is going to be taxed on the first 200,000, and then that'll get them to still having 132,000 that needs to be taxed at 3% so it's a 1.5 plus 1.5. That would be the percentage on the income from the $400,000 threshold to their ending amount of 532. So total preschool for all tax for this household, this joint filing Household 532 is going to be about $7,000, and this is going again. You you know if the numbers are kind of confusing, especially if you're just listening to this, go read our blog. It is much probably better laid out there than how I'm talking about it. But it's confusing. I just had to interrupt. Now I'll take you back to your original programming. Thanks. We work with high earners in Portland, and if you're not paying attention to get an $8,000 tax bill, I don't care how much money you're making, it pisses you off. And in this example, my guess is that the couple's employer would be withholding something. Is it enough? Probably not. We've seen a lot of employers mess this up, so it is so important to at least have a plan around it. Like maybe you're like, yeah, my employer is not withholding it. It's it's just you need to have a plan of plan for it. So let's talk now. Let's get out of the specifics of the taxes and talk more generally about these two. So, a question I see a lot is: Do I need to file a separate return for supportive housing and preschool for all? The answer is yes. This is not filled out when you file your taxes. It does not go on your Oregon tax return. These are separate tax returns. They're called personal tax returns, and there we'll put a link. We have so many links for this one, and it's because we did the research. I hope that it is helpful for those who want to dig into this more. But it'll be in our blog to find out where you would file that return and get more information on actually filing the return.

Dan Slagle 27:58

Just read the blog after you listen to this podcast, and the links are in order of what we've been talking about. That'll be the easiest thing for you.

Natalie Slagle 28:10

Give us a call and hire us, and we will help you with this because that's what we do. That's what we're really. That would be the best. See what I said in the beginning: hire people to do things that you're not as good at, it's just the way of life.

Dan Slagle 28:24

This is true. This is true.

Natalie Slagle 28:26

Dan, do you need to make quarterly estimated tax payments for these?

Dan Slagle 28:31

That's a tricky question. You're putting me in a tough spot, so I'm going to be the moderate in the room and say that you might have to. So the supportive housing tax and the preschool for all tax require quarterly tax payments, or have appropriate employer withholdings if your tax liability, I believe, for either program is $1,000 or greater, and I think the caveat is, and if the tax filer's prior tax liability for the program was $1,000 or greater, so it's not an either or; it's an and.

Natalie Slagle 29:14

Yes, that was a lot. I would say you need to make sure you're withholding enough, and if your employer is not withholding enough, then you should be making quarterly tax payments into these taxes.

Dan Slagle 29:28

For sure, yeah, absolutely. I mean, even if you want to like lessen your liability that you might owe in April of the following year for this tax year, you should have an idea of what you've paid into the tax up to this point, right? Because we're three quarters into the year.

Natalie Slagle 29:44

Yeah. So I mean, it works the same as our state and federal taxes. They want you to pay quarterly taxes, and if you don't pay enough in a way that matches the income you made for that quarter, they can penalize you and make you pay any. On that, nobody likes that. That's why Equal Voices Wealth. We do our mid-year tax check-in every year, and it just kind of helps make sure this is-it's all working. It's all working because there's a lot to a lot to keep up with. Other questions that can come up when it comes to these taxes specific to our Portland high earners are things like: Does my stock compensation impact these taxes? Do my bonuses? I mean, it's taxable income, right? And so, all of that is going to be incorporated. The other aspect of this is the deductions that you can do will also impact this because this is taxable income. So if you decide to max out your 401k, that could actually benefit you from not only a federal and state but possibly local taxes as well. Charitable deductions. We have a whole podcast on being charitably inclined and thinking about that through your resources and your finances, so we'll link that podcast in the show notes as well because I think we could all do better giving away some of our wealth now instead of waiting till the very end. This all impacts the two taxes that we're focused on today.

Dan Slagle 31:20

So to your point, we just need to be mindful of these taxes. They are real; they exist. It feels like over the past maybe quarter, a lot of letters have been sent out. We've been seeing that quite a bit. Whether it's you owe money from previous years, or in our case, we were lucky enough to say you overpaid into these taxes. So they're just. I feel like with any program that's government related, it takes some time to to work out the the kinks, and it seems like the county, the metro are getting on this. So I want our listeners to be well aware that this tax one exists. If you didn't even know that up to this point, look at your pay statement, see how much is being withheld, and then start doing the math, right? Like sit down with your your partner, understand what their paychecks, that withholding looks like. Because again, like the last thing we want is to have, to your point, the penalties, the fees, the resentment build up from like

Natalie Slagle 32:15

taxes

Dan Slagle 32:16

that, at the end of the day, I feel like are doing good for for this area,

Natalie Slagle 32:22

exactly, exactly. So that's everything I wanted to talk about, Dan. When it comes to these these taxes, what else you got?

Dan Slagle 32:31

Awesome. Well, that sounds good. The only thing I would I would add, you know, again, we're super super excited about the new company that we've launched, Equal Voices. Well, Natalie will show the T-shirt again. She's holding it sideways, so it looks a little goofy. There we go. It has super cool, super cool icon logo. Love the swag. Is

Natalie Slagle 32:49

it backwards on the video? I don't know.

Dan Slagle 32:51

Nope, it's coming through just fine. So again, we believe tax planning, going through your actual scenario of something we just did, is like a year-round endeavor. It's not something like to think about when you file your taxes in April. That's worst case scenario. It's it's something to be thinking about throughout the course of the year, like to help you better understand what could possibly be owed or what you could expect as a refund, and and try to get as close as possible to that. So decisions like retirement contributions impact it, charitable contributions, everything impacts it. So, if you are interested in working with us, Equal Voices Wealth, drop a link in in the show notes. Also, check out our super cool website that we're we're very proud of, and you can go ahead and schedule your intro chat with us today.

Natalie Slagle 33:38

Amazing! Thanks, Dan.

Dan Slagle 33:41

Bye. If you've enjoyed this episode and are looking for personalized financial guidance, schedule a free complimentary consultation using the link in the description. Natalie and Dan Slagle are the founding partners of Equal Voices Wealth, a registered investment advisor. The information provided in this podcast is for informational purposes only, and should not be considered investment advice or a recommendation to buy or sell any securities. Investing involves risk, including the potential loss of principal. Advisory services are only offered to clients or prospective clients where Equal Voices Wealth and its representatives are properly licensed or exempt from licensure. For more information, including our disclosures, please visit our website at www.equalvoices.co.