Latest / Money Matters with Greg / Episode 181: How To File IRS Form 4547 For A Newborn Trump Account Before April 15

Transcript

Episode 181: How To File IRS Form 4547 For A Newborn Trump Account Before April 15 · Money Matters with Greg

• 0:49
  SPEAKER_01: Good afternoon.
• 0:50
  SPEAKER_01: The show's Money Matters with Greg.
• 0:52
  SPEAKER_01: I'm Greg Farrell, CEO and owner of Faro Wealth.
• 0:55
  SPEAKER_01: It's a wealth management firm located in Valparaiso, Indiana.
• 0:59
  SPEAKER_01: And we are broadcasting here today at 103.1 FM, WVLP, as well as anywhere you pod your podcast, Spotify, Apple, you name it, Google, as well as YouTube.
• 1:12
  SPEAKER_01: And you can catch us on the YouTube channel as well.
• 1:14
  SPEAKER_01: The show is about money.
• 1:16
  SPEAKER_01: We talk about many different things that help you save money, make money, invest your money, and then also use some principles that we use in the financial planning world as financial advisors, trying to help you sort of add some value to your lives as well.
• 1:33
  SPEAKER_01: We have guests on this show quite often.
• 1:36
  SPEAKER_01: We're excited to be back.
• 1:37
  SPEAKER_01: We uh kind of did a little bit of a respite.
• 1:39
  SPEAKER_01: We've been extremely busy with the war, which I'm gonna talk about here uh as well with uh with the war with Iran.
• 1:47
  SPEAKER_01: We're gonna talk about that in a bit.
• 1:49
  SPEAKER_01: But I wanted to dive in really quickly with something I think that's really, really important uh that is uh time sensitive.
• 1:57
  SPEAKER_01: So um something came about with legislation just recently that was I can't even remember if it was an executive order or not, but it ultimately came about through uh President Trump uh initiating these Trump accounts uh that they are announced, uh, was announced for over$1,000 to go to your newborn child or grandchild.
• 2:19
  SPEAKER_01: And I wanted to be able to bring that up uh pretty quickly here because it's really important that you do something before you file your taxes.
• 2:27
  SPEAKER_01: Today is uh April 8th.
• 2:29
  SPEAKER_01: We're broadcasting here on Thursday, uh April 9th at 1 o'clock at WVLP 103.1, and then also uh again uh this Saturday at 1 o'clock as well, live.
• 2:40
  SPEAKER_01: Uh it'll be recorded as well.
• 2:42
  SPEAKER_01: But as far as the radio goes, it'll be uh live on the radio.
• 2:46
  SPEAKER_01: But as far as this podcast and also at the YouTube channel, I wanted to get this out before April 15th, where most people are going to file their taxes.
• 2:55
  SPEAKER_01: Um if you're not on extension, you're going to file by April 15th.
• 2:59
  SPEAKER_01: And you really you need this form that is uh out there on uh the on on the website as well as irs.gov to really dig in to get this money uh for your grandchild or for your child.
• 3:14
  SPEAKER_01: So the rules are like this.
• 3:16
  SPEAKER_01: If you had a child born in 2025, and then ultimately 26, 27, 28, we're not gonna worry about those right now.
• 3:24
  SPEAKER_01: Just want to make sure you get inside the deadline for 2025.
• 3:29
  SPEAKER_01: Uh you have to file what's what's called a form 4547.
• 3:34
  SPEAKER_01: That obviously, there's a reason why it's 4547, obviously, because uh uh President Trump was the 45th and the 47th president.
• 3:43
  SPEAKER_01: And you can submit it online.
• 3:46
  SPEAKER_01: There is a way to be able to do it if you go to trumpaccounts.gov.
• 3:50
  SPEAKER_01: Uh that's trumpuccounts.gov.
• 3:52
  SPEAKER_01: Go to the website, search it up, uh, Google it, whatever you got to do.
• 3:55
  SPEAKER_01: But you can submit the information through that form, the electronic form 4547, at a submission portal.
• 4:03
  SPEAKER_01: So uh I wanted to bring this up because it's you've got to get it in before April 15th to get your thousand dollars for your kid or grandkid uh by July.
• 4:14
  SPEAKER_01: So they're getting they're sending the money out.
• 4:16
  SPEAKER_01: You the the account will be set up, the money will be printed and and pushed out to the account um in July.
• 4:25
  SPEAKER_01: So this is in you know in lieu of or uh uh and just something to get done beforehand.
• 4:33
  SPEAKER_01: Plus the$250 from I don't know if you know this, but Michael Dell and his wife uh donated billions of dollars for kids for the next three to four years to get another two hundred and fifty dollars as well.
• 4:49
  SPEAKER_01: So you're eligible to get twelve hundred and fifty dollars free money.
• 4:53
  SPEAKER_01: And this is not political.
• 4:55
  SPEAKER_01: This is not, I don't necessarily know, you know, whatever.
• 4:57
  SPEAKER_01: We're not talking politics here.
• 4:59
  SPEAKER_01: Um we're just talking money.
• 5:01
  SPEAKER_01: And that's what we do in this show.
• 5:02
  SPEAKER_01: And it is the show's money matters with Greg.
• 5:04
  SPEAKER_01: That's why we talk this.
• 5:07
  SPEAKER_01: Um you're gonna need dates of birth, you're gonna need contact information, you're gonna need social security number for you and your child, uh, and you will elect to receive the$1,000 contribution uh if the child is eligible and you are eligible to make the election for the child.
• 5:26
  SPEAKER_01: Pretty easy, uh, really simple.
• 5:29
  SPEAKER_01: You can also submit the form, you go to irs.gov and just search uh as well form 450 uh 4547, uh, but you can also submit it through the website.
• 5:40
  SPEAKER_01: So once that submission happens, the information that you provide is transmitted to the IRS uh and it's used to prepare and uh the and file the form 4547 to establish that Trump account um for the identified children.
• 5:57
  SPEAKER_01: And um you'll be contacted by a trustee with whom your Trump account will be established.
• 6:05
  SPEAKER_01: Um and that looks like that's uh pending.
• 6:09
  SPEAKER_01: I know Robinhood was mentioned uh as well as a couple others as far as where that custodian where it's going to be custody.
• 6:17
  SPEAKER_01: But um basically you as a parent or a guardian uh have the authorization to be able to do this.
• 6:24
  SPEAKER_01: So I wanted to make sure that you knew to do this.
• 6:28
  SPEAKER_01: Um, and then if you any any child born in 2025, let's get that form in.
• 6:33
  SPEAKER_01: Let's make sure you get it done and uh collect your money.
• 6:39
  SPEAKER_01: Okay, so that's really how I want to start the show because here it is April 8th, uh or April 9th, April 8th.
• 6:46
  SPEAKER_01: Um, and uh you got to submit that form before April 15th.
• 6:50
  SPEAKER_01: So I hope that's helpful.
• 6:51
  SPEAKER_01: It was just a quick tidbit that uh wanted to be able to produce this show to get this done so you would be able to uh take care of that.
• 7:01
  SPEAKER_01: Any kid born in 2025, now in the future, if you're pregnant now here in 2027, 2026, there's a thousand dollars there for next year.
• 7:11
  SPEAKER_01: You would have to file have to file that form then next year for April 2026, 2027, and 2028.
• 7:20
  SPEAKER_01: So that's pretty incredible.
• 7:22
  SPEAKER_01: It really is.
• 7:22
  SPEAKER_01: Uh that is a great way to start.
• 7:24
  SPEAKER_01: Um it grows tax-free.
• 7:27
  SPEAKER_01: There are gonna be multiple investment options for you uh to pick from, but talk to your financial advisor, talk to your uh uh accountant, um, you know, and make sure you're getting counsel on this, but you submit the form and make sure it's done before April 15th and you file, um, you're on a really good path uh to collecting that thousand bucks.
• 7:50
  SPEAKER_01: So uh super important.
• 7:52
  SPEAKER_01: Just wanted to get to that.
• 7:53
  SPEAKER_01: Uh the show's Money Matters for Greg.
• 7:54
  SPEAKER_01: I'm Greg Fernell, CEO, owner of Faro Wealth.
• 7:57
  SPEAKER_01: We talked money on this show, and I wanted to talk about uh something that everybody's wanting to talk about right now because had a little bit of volatility in the market.
• 8:06
  SPEAKER_01: Um it has been absolutely insane uh in the last few months and uh certainly in the last few weeks, uh, with the sell-off uh in the markets overall.
• 8:17
  SPEAKER_01: Not only have you had uh international movement, uh Europe, as well as AI, uh, and then you know, nervousness about the credit markets don't help.
• 8:28
  SPEAKER_01: But as of yesterday, so today was a really good day.
• 8:32
  SPEAKER_01: I'm gonna go over that in a second.
• 8:34
  SPEAKER_01: But as of yesterday, the U.S.
• 8:35
  SPEAKER_01: and Iran announced a two-week ceasefire um before the 8 p.m.
• 8:40
  SPEAKER_01: deadline, and markets reacted as you'd totally expect.
• 8:44
  SPEAKER_01: Oil fell sharply, down 15% uh in the morning.
• 8:50
  SPEAKER_01: I think it ended up down 12% overall.
• 8:53
  SPEAKER_01: I'll bring it up right here.
• 8:55
  SPEAKER_01: Um it was uh down almost 13% uh at the close.
• 8:59
  SPEAKER_01: Global stocks surged on the news and continued to surge.
• 9:04
  SPEAKER_01: The NASDAQ was up about 3%, the SP was up 2.5%.
• 9:09
  SPEAKER_01: Um so the fact that stocks didn't drop sharply on Tuesday uh going into today uh on Wednesday really sort of underscores the fact that markets really believed that a ceasefire would be reached by the deadline uh for multiple reasons.
• 9:26
  SPEAKER_01: And one of them would be the U.S.
• 9:29
  SPEAKER_01: has achieved the most of the military objectives.
• 9:33
  SPEAKER_01: They said that they basically have hit 100% of everything they wanted to hit.
• 9:38
  SPEAKER_01: They also wanted to achieve, you know, really anything to to achieve any more would require a massive escalation, of which it doesn't really appear that there's any, there's very little to no appetite to do that.
• 9:51
  SPEAKER_01: So the ceasefire expectations were were largely met um for now.
• 9:57
  SPEAKER_01: Now so what about going forward?
• 10:02
  SPEAKER_01: Trying to give you some guidance here as much as we can of what we're seeing.
• 10:05
  SPEAKER_01: It has been um it has been a wild ride because uh who knows where things are going, who knows what tweet's gonna happen, um or or what true social uh comment is gonna be able to be made or whatever.
• 10:20
  SPEAKER_01: And so um it's definitely been a whipsaw um to you know, up 2%, down 1%, down 2% again, and then the continuation of this.
• 10:32
  SPEAKER_01: Um so stocks have been hit uh for sure.
• 10:35
  SPEAKER_01: There's definitely been there is opportunity.
• 10:37
  SPEAKER_01: I've been talking about that on this show uh multiple times.
• 10:41
  SPEAKER_01: You you want to be able to do your homework, do your research, sharpen your pencils.
• 10:46
  SPEAKER_01: Uh, but this is where good solid investing comes into play.
• 10:50
  SPEAKER_01: And if you know what you're doing, you have your disciplines, you have your goals, you have your rules, uh, you'll do extremely well uh to pick and choose uh places to invest and invest in good names.
• 11:04
  SPEAKER_01: So looking forward, while clearly there is a positive for the markets compared to the alternative, which has been just nothing but negative, um it's not gonna automatically end market volatility for the next for the near future.
• 11:21
  SPEAKER_01: Uh first thing is most expect that the ceasefire uh to hold, but uh don't expect it to be painless uh for sure.
• 11:31
  SPEAKER_01: You're gonna hear lots of news.
• 11:33
  SPEAKER_01: Uh Iran uh for you know four decades, five decades has lied and uh gone gone against what they said and gone against their word.
• 11:45
  SPEAKER_01: Um so negotiations over the next two weeks are gonna be tense.
• 11:49
  SPEAKER_01: Um and these threats from both sides uh of are really gonna they're gonna send oil temporarily higher.
• 11:58
  SPEAKER_01: Uh we'll see.
• 11:59
  SPEAKER_01: You know, right now down 13 percent, it's a nice respite.
• 12:03
  SPEAKER_01: Uh I think you'll feel that at the pump uh really soon as well uh to get some sort of relief.
• 12:09
  SPEAKER_01: Are we going back to um pre-war levels anytime soon?
• 12:15
  SPEAKER_01: Probably not.
• 12:16
  SPEAKER_01: Um, but uh just so you know, there's there's a lot of positivity coming your way in regards to that.
• 12:23
  SPEAKER_01: So the second thing is even if the ceasefire is maintained and it's permanent and transit um goes through the uh the uh Hormuz Strait, um and this all returns to pre-war levels, or oil prices they aren't going back to pre-war levels for a while.
• 12:43
  SPEAKER_01: So Iron uh Iran weaponized the strait um effectively, and fears of that happening again will be sort of on everybody's mind, and sort of a risk premium in the oil for a while.
• 12:58
  SPEAKER_01: So while it's not likely to stay at$90 a barrel, it's definitely gonna stay above the pre-war level of 65 or 60, or honestly, where it should be is closer to 50.
• 13:09
  SPEAKER_01: Uh we have been very bearish on oil and barring any geopolitical movements, uh, we were right uh for quite a while.
• 13:18
  SPEAKER_01: And uh that being said, uh we had a war and uh and a war over oil and uranium.
• 13:28
  SPEAKER_01: So uh we'll see where this goes from here, but um just letting everybody know you know it's better.
• 13:37
  SPEAKER_01: It's better.
• 13:37
  SPEAKER_01: There's positive, but it's not there yet.
• 13:40
  SPEAKER_01: Uh the third thing is even if Iran the whole situation fades away.
• 13:47
  SPEAKER_01: Let's talk about the economic side and inflation data that we're gonna deal with this fallout of the commodity prices spike, and we're likely keeping the Fed on the sidelines for sure.
• 14:00
  SPEAKER_01: Uh for certainly the foreseeable future.
• 14:03
  SPEAKER_01: No rate cuts.
• 14:04
  SPEAKER_01: Uh, you're gonna have a new Fed share coming in here, uh, and inflation it if it keeps on rising, the possibility of rate hikes, believe it or not.
• 14:13
  SPEAKER_01: Uh we'll see about all that.
• 14:16
  SPEAKER_01: You have one main thing that's really hurting uh is fertilizer.
• 14:23
  SPEAKER_01: So most of the fertilizer has not got been received at all to the places it needs to go, especially for spring planting, uh, namely India uh and America.
• 14:36
  SPEAKER_01: Um so there's many, many uh there's demand for large amounts of fertilizer that have not been able to be delivered.
• 14:45
  SPEAKER_01: So I think that's gonna certainly uh hurt food prices uh coming up here as to whether you know any any American farmers are able to even plant at all.
• 14:55
  SPEAKER_01: Uh we've had a very wet March and April, so I think things are you know pending, but I have not seen, certainly where we live, I have not seen any plows been plowing yet.
• 15:07
  SPEAKER_01: Um and here it is already April.
• 15:10
  SPEAKER_01: So the fourth thing and the other sort of two headwinds on stocks that I need to be able to talk about is the credit, uh the private credit worries.
• 15:21
  SPEAKER_01: Uh we have been watching that and we are concerned about private credit um with many of these private equity and private credit firms uh capping uh distributions.
• 15:35
  SPEAKER_01: So people asking for their money, saying, please give me money, money, back, money back, and they're like, no, we're only letting uh 5% go out or 3% go out.
• 15:45
  SPEAKER_01: Um that is a worry.
• 15:46
  SPEAKER_01: There's a reason for that.
• 15:48
  SPEAKER_01: Uh that they obviously are have issues in the private credit.
• 15:53
  SPEAKER_01: Want to be wary of that for sure.
• 15:56
  SPEAKER_01: And then, of course, AI anxiety.
• 15:59
  SPEAKER_01: Look, these AI stocks have been absolutely hammered.
• 16:01
  SPEAKER_01: The investments they've made are uh immense.
• 16:04
  SPEAKER_01: And so far, uh w we've not yet seen the um the benefits as much as we've seen the expenses.
• 16:14
  SPEAKER_01: So the market wants to see results.
• 16:17
  SPEAKER_01: And uh with that anxiety in place, really both of these things have kind of deteriorated the last month uh while the world's really been focused on Iran.
• 16:27
  SPEAKER_01: Um, you know, as that goes away, hopefully, and everything gets resolved.
• 16:33
  SPEAKER_01: Um in the near term, we see a strong bounce.
• 16:38
  SPEAKER_01: That's what we got today.
• 16:40
  SPEAKER_01: Um, with most of those beaten up sectors, consumer discretionary staples all bouncing uh the hardest, while the sectors really sort of outperform the energy and materials should see some pretty intense profit taking, and you've already seen that.
• 16:54
  SPEAKER_01: Um in the near term, the ceasefire will not be the singular catalyst uh for a rally back to new highs.
• 17:03
  SPEAKER_01: Yes, a solid bounce is fully expected, and that's exactly what happened today, and I think it continues.
• 17:09
  SPEAKER_01: Um but we continue uh we continue to really favor those quality cash flow focused uh stocks, ETFs, mutual funds, as well as defensive sectors, just to keep an eye out.
• 17:22
  SPEAKER_01: We're not done here yet.
• 17:23
  SPEAKER_01: There are some opportunities for sure, um, but you want to be able to make sure that uh again, you've done your homework, you have your goals, you have your rules, um, and you ultimately uh want uh you know want to invest wisely.
• 17:39
  SPEAKER_01: So that's the update on the war and what happened today, uh, what happened yesterday, uh, and then hopefully what's going to happen in the future for all the show's money matters are Greg.
• 17:52
  SPEAKER_01: I'm Greg Farrell, CEO and president of Faro Wealth.
• 17:56
  SPEAKER_01: It's a wealth management firm that's local here at Valparazo, Indiana, and serving clients in 24 states.
• 18:02
  SPEAKER_01: We have a lot of clients uh that have been very concerned about things and questioning what's going on and looking at uh different opportunities.
• 18:10
  SPEAKER_01: Uh you know, what are we thinking?
• 18:12
  SPEAKER_01: What are we doing?
• 18:13
  SPEAKER_01: You know, what is there what would you like to invest in?
• 18:18
  SPEAKER_01: And I think there are some things that as far as sectors, um, that I can't make individual recommendations on the show.
• 18:25
  SPEAKER_01: Uh I highly recommend you meet with your financial advisors, you talk to your accountants and talk to your uh um talk to your advisors uh that are part of your team for sure.
• 18:38
  SPEAKER_01: But some of the things that you can be thinking about are the trends that are very, very important to investing.
• 18:45
  SPEAKER_01: Um I've always been a fan of finding trends and then uh investing in those trends, uh riding the wave, um, surfing that wave, and uh ultimately when that wave's about ready to extinguish, when everybody else wants to get in, uh that's when you know what you look around and maybe take profits.
• 19:05
  SPEAKER_01: So at least trend positions, be disciplined, take some money off the table, and look for the next trend because there is another trend.
• 19:12
  SPEAKER_01: There's always a new trend.
• 19:13
  SPEAKER_01: It's always a matter of where you ultimately might want to be or uh where you want to be able to be invested overall.
• 19:21
  SPEAKER_01: It's just a matter of making sure you listen with your eyes and watch to see what those trends are in the future.
• 19:30
  SPEAKER_01: And right now, some of those trends that we're seeing are with nuclear, with uh the uh ability to be able to have more energy uh for AI.
• 19:40
  SPEAKER_01: You're seeing um infrastructure uh as well as most of the things that you don't necessarily see um or think about with data farms and uh some of the things is not only the energy that's necessary, but the energy in the machines that run it.
• 19:56
  SPEAKER_01: So you want to kind of be looking at that those infrastructure plays that matter to AI and matter to those data farms, um as well as um the energy side.
• 20:08
  SPEAKER_01: So you look at the grid, you look at um nuclear, you look at uranium, you look at things that ultimately are going to be necessary in order to be able to uh make all of the things that we want to do and what companies want to do with um investments in AI sort of figure out what the ancillary things are that matter uh to that uh production.
• 20:37
  SPEAKER_01: And um certainly you can invest in the AI world, and you know those names, they're out there, the Mag 7s all have investments uh in uh artificial intelligence in some way, uh for sure, but also looking at the trend, which is all the other satellites that actually um can help uh make you m money and make make profit uh overall.
• 21:02
  SPEAKER_01: So I hope this is a help on some of the things that we're looking at uh for sure.
• 21:07
  SPEAKER_01: Uh we're also seeing um and looking elsewhere as far as overseas with those countries that have uh gotten on board with the administration's um request, uh not only in regards with tariffs, uh, but also with trade and making sure that uh uh that they uh there's there's friendly allies along the way.
• 21:33
  SPEAKER_01: I think there's been some things uh produced as far as um results and uh people avoiding what's going on in Iran, and I think there will ultimately uh be repercussions for that.
• 21:48
  SPEAKER_01: So when you start thinking about where you invest in Europe and who you invest in in Europe, um you know those are things you have to think about, uh whether they matter or not necessarily to one entire country.
• 22:00
  SPEAKER_01: Or one in a company is gonna be part of your research.
• 22:04
  SPEAKER_01: But those are things you definitely have to consider uh because of this current administration and how they uh it's a requirement basically a pay-to-play uh conversation in regards to um uh their businesses uh and doing business with the United States of America.
• 22:24
  SPEAKER_01: So we'll see where this goes, uh, but it is definitely something to think about.
• 22:29
  SPEAKER_01: So we are considering those things too.
• 22:31
  SPEAKER_01: That is just something I wanted to share with you and uh let you know that you should be considering them as well.
• 22:37
  SPEAKER_01: So um hope that was helpful.
• 22:40
  SPEAKER_01: Uh we talked about Trump Accounts today.
• 22:42
  SPEAKER_01: Uh make sure you go to Trumpaccoun.org if you've recently had a baby um and uh or know someone.
• 22:47
  SPEAKER_01: I mean, look, uh this is free knowledge here.
• 22:51
  SPEAKER_01: So any baby you know that's been born in 2025, whether it's someone that's in your family or somebody, let's say, at church or one of your friends or at school or wherever, you know, there's got a a classmate or whatever had, you know, their mom had a a young child or whatever, let them know, you know, and just go to trumpaccounts.org.
• 23:15
  SPEAKER_01: Uh you can sign up, or you can go to irs.gov and get that form 4547.
• 23:20
  SPEAKER_01: And then we talked about the markets uh overall as far as what's been going on this week.
• 23:26
  SPEAKER_01: Uh though it is the week of uh today's April 8th.
• 23:29
  SPEAKER_01: So as we talked about some of the movements that we've had, we have a three percent rally today.
• 23:34
  SPEAKER_01: Uh oil's down well, it was down 15%, down 13%.
• 23:39
  SPEAKER_01: So uh it's been a it's been a wild ride, uh, no doubt.
• 23:43
  SPEAKER_01: So I'm just trying to help you navigate as much as you can, and uh I hope you have uh are able to uh uh uh and get some value from this this conversation.
• 23:53
  SPEAKER_01: And uh find us on our YouTube channel.
• 23:55
  SPEAKER_01: You can find us on anywhere you pod, Apple, pod us, Spotify, uh you name it.
• 24:01
  SPEAKER_01: And then uh of course, uh WVLP 103.1 FM, a little station identification for that.
• 24:08
  SPEAKER_01: Thanks for being a partner with us.
• 24:10
  SPEAKER_01: Uh we enjoyed being uh the partnership we have with 103.1 FM locally here in Valparaiso, Indiana.
• 24:16
  SPEAKER_01: Um Greg Farrell, CEO and owner of Faro Wealth, and uh financial advisor.
• 24:21
  SPEAKER_01: And I'm hoping that I was able to uh to help you out a little today.
• 24:25
  SPEAKER_01: I hope you have a have I hope you had a wonderful Easter and a great holiday.
• 24:28
  SPEAKER_01: Uh happy spring as we finally turn here.
• 24:32
  SPEAKER_01: Baseball started.
• 24:33
  SPEAKER_01: Very excited about that here in the Midwest.
• 24:36
  SPEAKER_01: It's about to turn, and things are just gonna start getting really good around here as far as the weather goes.
• 24:42
  SPEAKER_01: Hope you have a great week and uh a very profitable week, and we'll catch you next week.
• 24:46
  SPEAKER_01: See ya.
• 24:49
  SPEAKER_00: Thanks for tuning in to Money Matters with Greg.
• 24:52
  SPEAKER_00: We hope you gained some valuable insights today.
• 24:54
  SPEAKER_00: Remember, your financial journey is personal, but you don't have to go it alone.
• 24:59
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• 25:02
  SPEAKER_00: Until next time.
• 25:03
  SPEAKER_00: Here's the making your money work for you.
• 25:06
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