Sandwich Bread Pod Fri, 03 Apr 2026 05:05:12 -0400 https://www.sandwichbreadpod.com en-us © 2026 Sandwich Bread Pod is a production of Twin Robins Capital, LLC. Full disclosures can found at: https://www.twinrobins.com/disclosures no fc6f1d94-cfba-53a3-8417-812fc572ac78 Twin Robins Capital, LLC episodic false The Sandwich Bread Pod is a podcast for people navigating the complex responsibilities of multigenerational life—caring for parents, raising children, and balancing personal and financial demands that often conflict. Hosted by Tom Kaminski, a Certified Financial Planner™ with 18 years of experience, the show explores the challenges and decisions facing the Sandwich Generation, and offers grounded conversations and perspectives designed to bring clarity, support, and maybe even a laugh during this demanding chapter of life.



Sandwich Bread Pod is a production of Twin Robins Capital, LLC. 

Twin Robins Capital, LLC (“Twin Robins”),  is a registered investment adviser with the states of Missouri, Kansas, Virginia, Georgia and Indiana, and may only transact business with residents of these states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. 

]]> Buzzsprout (https://www.buzzsprout.com) sandwich generation, multigenerational family, financial planning, personal finance, aging parents, caring for parents, raising kids, money stress, financial wellness, family finances, CFP professional, financial advisor Twin Robins Capital, LLC https://storage.buzzsprout.com/ffa6ce0xjclai1pczb35s7edu32y?.jpg Sandwich Bread Pod https://www.sandwichbreadpod.com Tom Kaminski, CFP® Lauren 529s w/ Ann Garcia, CFP®: Funding, Growing, and Getting Money Out of Your 529 Pt 2 of 2 529s w/ Ann Garcia, CFP®: Funding, Growing, and Getting Money Out of Your 529 Pt 2 of 2 You've opened the 529. Now what? In Part 2 of this series, Tom and Ann Garcia pick up where they left off and get into the practical side of college savings: how much to actually put away, how to invest it, all the ways you can get the money out, and the question every parent asks, "does this hurt my kid's financial aid?"

Ann walks through her savings benchmarks, explains why the gifting page is one of the most underused tools in a college plan, and breaks down exactly how 529s are treated on the FAFSA. The short answer: better than almost any alternative.

What you'll learn in this episode:

  • How much to save (and how to think about it if the full amount isn't realistic)
  • Why small annual increases compound into big results
  • How to invest inside your 529 as your goals evolve
  • Every legitimate way to get money out -- qualified and non-qualified
  • How to handle a 529 if your child attends private K-12
  • How 529 assets and distributions are treated on the FAFSA

Resources mentioned:

Missed Part 1? Start there -- we cover what a 529 is and how to pick one.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> You've opened the 529. Now what? In Part 2 of this series, Tom and Ann Garcia pick up where they left off and get into the practical side of college savings: how much to actually put away, how to invest it, all the ways you can get the money out, and the question every parent asks, "does this hurt my kid's financial aid?"

Ann walks through her savings benchmarks, explains why the gifting page is one of the most underused tools in a college plan, and breaks down exactly how 529s are treated on the FAFSA. The short answer: better than almost any alternative.

What you'll learn in this episode:

  • How much to save (and how to think about it if the full amount isn't realistic)
  • Why small annual increases compound into big results
  • How to invest inside your 529 as your goals evolve
  • Every legitimate way to get money out -- qualified and non-qualified
  • How to handle a 529 if your child attends private K-12
  • How 529 assets and distributions are treated on the FAFSA

Resources mentioned:

Missed Part 1? Start there -- we cover what a 529 is and how to pick one.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18955310 Fri, 03 Apr 2026 05:00:00 -0400 1245 529 plan, college savings, FAFSA, financial aid, how to fund a 529, 529 distributions, college planning, sandwich generation, Ann Garcia, how to pay for college, 529 and financial aid, private K-12 529, 529 gifting page, 529 investment strategy, age based 1 13 full true Ann Garcia, CFP® Tom Kaminski, CFP® Lauren 529s w/ Ann Garcia, CFP®: What is a 529 and How do you Pick One? Pt. 1 of 2 529s w/ Ann Garcia, CFP®: What is a 529 and How do you Pick One? Pt. 1 of 2 529 plans are one of the most powerful tools in a college savings strategy -- and one of the most misunderstood. In Part 1 of this two-part series, Tom sits down with Ann Garcia, author of How to Pay for College and one of the most respected voices in college planning, to break it all down.

They cover what a 529 actually is, how it compares to a Roth IRA and a 401k, and where it fits alongside your other savings priorities. Ann shares her 10 percent rule for balancing college and retirement savings, makes the case for why college is still worth it (even with everything changing), and gives a dead-simple framework for picking the right plan.

What you'll learn in this episode:

  • What a 529 plan is and how it works
  • How to balance college savings with retirement savings (the 10 percent rule)
  • Why college still delivers strong ROI financial and otherwise
  • The two-plan framework for picking a 529: your state plan or Utah My529
  • How to use a gifting page to get family contributions into the account
  • Why advisor-sold 529 plans are almost never the right choice

Resources mentioned:

This is Part 1 of 2. Part 2 covers funding strategies, growing your balance, qualified distributions, and the FAFSA question.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> 529 plans are one of the most powerful tools in a college savings strategy -- and one of the most misunderstood. In Part 1 of this two-part series, Tom sits down with Ann Garcia, author of How to Pay for College and one of the most respected voices in college planning, to break it all down.

They cover what a 529 actually is, how it compares to a Roth IRA and a 401k, and where it fits alongside your other savings priorities. Ann shares her 10 percent rule for balancing college and retirement savings, makes the case for why college is still worth it (even with everything changing), and gives a dead-simple framework for picking the right plan.

What you'll learn in this episode:

  • What a 529 plan is and how it works
  • How to balance college savings with retirement savings (the 10 percent rule)
  • Why college still delivers strong ROI financial and otherwise
  • The two-plan framework for picking a 529: your state plan or Utah My529
  • How to use a gifting page to get family contributions into the account
  • Why advisor-sold 529 plans are almost never the right choice

Resources mentioned:

This is Part 1 of 2. Part 2 covers funding strategies, growing your balance, qualified distributions, and the FAFSA question.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18955278 Fri, 03 Apr 2026 05:00:00 -0400 1382 529 plan, college savings, how to save for college, 529 explained, college planning, financial planning, sandwich generation, Ann Garcia, how to pay for college, Utah my529, college savings account, financial advisor, CFP, retirement vs college savings, 1 1 12 full false Ann Garcia, CFP® Tom Kaminski, CFP® Lauren The Concentrated Stock Problem: Options, Strategy, and the Right Team The Concentrated Stock Problem: Options, Strategy, and the Right Team When one stock makes up a disproportionately large portion of your portfolio, knowing what to do with it, especially if it's highly appreciated, can feel overwhelming.

In this episode, Tom talks Lauren through considerations when looking at a portfolio with a highly concentrated stock position. They walk through what concentration actually means, why context matters more than any single percentage threshold, and a range of strategies worth knowing about.

Topics covered in this episode:

  • What a concentrated stock position is and when it typically signals a need for closer attention
  • Why there is no universal answer, and how the bigger financial picture changes everything
  • Tax loss harvesting and how losses elsewhere in a portfolio can help offset gains
  • Direct indexing as a technology-driven way to generate losses at scale
  • Exchange funds and the trade-offs that come with them
  • Options overlays, including collars and covered calls, as tools for managing risk
  • Slow selling as a straightforward, often underused approach
  • Charitable gifting, direct stock donations, and donor-advised funds
  • Estate planning considerations, including the step-up in cost basis at death

Many of these strategies involve significant tax and legal considerations. Throughout the episode, Tom emphasizes the importance of working collaboratively with your financial planner, CPA, and estate planning attorney before taking any action.


This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> When one stock makes up a disproportionately large portion of your portfolio, knowing what to do with it, especially if it's highly appreciated, can feel overwhelming.

In this episode, Tom talks Lauren through considerations when looking at a portfolio with a highly concentrated stock position. They walk through what concentration actually means, why context matters more than any single percentage threshold, and a range of strategies worth knowing about.

Topics covered in this episode:

  • What a concentrated stock position is and when it typically signals a need for closer attention
  • Why there is no universal answer, and how the bigger financial picture changes everything
  • Tax loss harvesting and how losses elsewhere in a portfolio can help offset gains
  • Direct indexing as a technology-driven way to generate losses at scale
  • Exchange funds and the trade-offs that come with them
  • Options overlays, including collars and covered calls, as tools for managing risk
  • Slow selling as a straightforward, often underused approach
  • Charitable gifting, direct stock donations, and donor-advised funds
  • Estate planning considerations, including the step-up in cost basis at death

Many of these strategies involve significant tax and legal considerations. Throughout the episode, Tom emphasizes the importance of working collaboratively with your financial planner, CPA, and estate planning attorney before taking any action.


This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18876630 Fri, 20 Mar 2026 05:00:00 -0400 1590 concentrated stock position, appreciated stock, tax loss harvesting, direct indexing, donor advised fund, exchange fund, options overlay, covered call, collar strategy, capital gains, cost basis, step up in basis, wash sale rule, charitable gifting, wealt 1 11 full false Building Your Team: Occupational Therapy for Aging in Place w/ Dr. Brandy Archie Building Your Team: Occupational Therapy for Aging in Place w/ Dr. Brandy Archie When it comes to aging and caregiving, clarity ahead of time can make all the difference.

In this first episode of our on-going series, Building Your Team, we introduce one of the most overlooked and valuable professionals in aging in place, the occupational therapist.

Dr. Brandy Archie, OTD, OTR/L, CLIPP, occupational therapist and founder of Ask Samie, joins us to explain:

• What occupational therapy actually is
 • When it makes sense to get an OT evaluation
 • The difference between reactive and proactive home assessments
 • How OTs help reduce fall risk and improve daily independence
 • What certifications to look for when hiring an OT
 • How to access occupational therapy through insurance or private pay

If you are helping a parent stay safely at home, or hoping to plan ahead before you are in a crisis, this conversation will help you understand when and why occupational therapy belongs on your team.


Resources Mentioned: 

AskSamie - AskSAMIE is a digital health ecosystem that connects older adults and those with a disability to expert guidance from occupational therapists to make daily living easier. We do this by empowering them both with vetted adaptive equipment, services, and resources that are specific and available 24/7 through SAMIE, our AI tool.

For aging in place specialists, look for certifications such as:

  •  Certified Aging in Place Specialist (CAPS) 
  • Certified Living In Place Professional (CLIPP)

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> When it comes to aging and caregiving, clarity ahead of time can make all the difference.

In this first episode of our on-going series, Building Your Team, we introduce one of the most overlooked and valuable professionals in aging in place, the occupational therapist.

Dr. Brandy Archie, OTD, OTR/L, CLIPP, occupational therapist and founder of Ask Samie, joins us to explain:

• What occupational therapy actually is
 • When it makes sense to get an OT evaluation
 • The difference between reactive and proactive home assessments
 • How OTs help reduce fall risk and improve daily independence
 • What certifications to look for when hiring an OT
 • How to access occupational therapy through insurance or private pay

If you are helping a parent stay safely at home, or hoping to plan ahead before you are in a crisis, this conversation will help you understand when and why occupational therapy belongs on your team.


Resources Mentioned: 

AskSamie - AskSAMIE is a digital health ecosystem that connects older adults and those with a disability to expert guidance from occupational therapists to make daily living easier. We do this by empowering them both with vetted adaptive equipment, services, and resources that are specific and available 24/7 through SAMIE, our AI tool.

For aging in place specialists, look for certifications such as:

  •  Certified Aging in Place Specialist (CAPS) 
  • Certified Living In Place Professional (CLIPP)

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18782962 Tue, 03 Mar 2026 12:00:00 -0500 1192 aging in place, occupational therapy, caregiving, elder care, aging parents, fall prevention, home safety for seniors, caregiver support, occupational therapist evaluation, CAPS certification, CLIPP certification, Medicare occupational therapy, home modif 1 10 full false Dr. Brandy Archie Tom Kaminski, CFP® Lauren Everyday Cybersecurity, Part 2: Protecting Aging Parents from Scams & Fraud w/ Danny Schwartze Everyday Cybersecurity, Part 2: Protecting Aging Parents from Scams & Fraud w/ Danny Schwartze In this episode of the Sandwich Bread Podcast, Tom Kaminski is joined again by Danny Schwartze, CEO of Your Cyber Life, to continue their conversation on cybersecurity — this time with a specific focus on aging parents and elders.

Building on the fundamentals covered in the prior episode, Tom and Danny walk through practical, realistic steps families can take to reduce the risk of fraud, identity theft, and scams targeting older adults. The discussion covers both technical safeguards and behavioral changes, with an emphasis on solutions that are effective without being overwhelming.

Topics covered include credit freezes, securing key accounts, document shredding, social media risks, AI-powered scam calls, and the importance of trusted contacts. While the focus is on elders, many of these strategies apply just as much to younger families and caregivers navigating an increasingly sophisticated cyber threat landscape.

Resources discussed in this episode include: 

*you do NOT need a paid subscription to freeze your credit with any of these credit reporting agencies

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> In this episode of the Sandwich Bread Podcast, Tom Kaminski is joined again by Danny Schwartze, CEO of Your Cyber Life, to continue their conversation on cybersecurity — this time with a specific focus on aging parents and elders.

Building on the fundamentals covered in the prior episode, Tom and Danny walk through practical, realistic steps families can take to reduce the risk of fraud, identity theft, and scams targeting older adults. The discussion covers both technical safeguards and behavioral changes, with an emphasis on solutions that are effective without being overwhelming.

Topics covered include credit freezes, securing key accounts, document shredding, social media risks, AI-powered scam calls, and the importance of trusted contacts. While the focus is on elders, many of these strategies apply just as much to younger families and caregivers navigating an increasingly sophisticated cyber threat landscape.

Resources discussed in this episode include: 

*you do NOT need a paid subscription to freeze your credit with any of these credit reporting agencies

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18658393 Tue, 10 Feb 2026 14:00:00 -0500 1224 cybersecurity, aging parents, elder fraud, identity theft, scams, family caregivers, sandwich generation, financial planning, trusted contacts, credit freeze, online safety, cybercrime prevention, elder care planning, fraud prevention 1 9 full false Danny Schwartze Tom Kaminski, CFP® Lauren Planning Ahead for Aging at Home w/ Emilia Bourland, OTR, ECHM Planning Ahead for Aging at Home w/ Emilia Bourland, OTR, ECHM Helping aging parents stay safe at home often feels overwhelming, especially when families wait until a fall or health crisis forces decisions.

In this episode, Tom Kaminski, CFP®️, is joined by occupational therapist Emilia Bourland,  OTR, ECHM, to talk about how families can take a proactive approach to aging in place. Emilia explains what occupational therapy really is, how home environments impact safety and independence, and which areas of the home deserve the most attention as we age.

They also cover realistic caregiving considerations, including dementia, the limits of family caregiving, and how to think about the financial side of home modifications and long-term care. The episode wraps with a clear, four-step framework families can use to start planning now rather than reacting later.

All of the resources discussed in today’s conversation are linked below.

Resources mentioned

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Helping aging parents stay safe at home often feels overwhelming, especially when families wait until a fall or health crisis forces decisions.

In this episode, Tom Kaminski, CFP®️, is joined by occupational therapist Emilia Bourland,  OTR, ECHM, to talk about how families can take a proactive approach to aging in place. Emilia explains what occupational therapy really is, how home environments impact safety and independence, and which areas of the home deserve the most attention as we age.

They also cover realistic caregiving considerations, including dementia, the limits of family caregiving, and how to think about the financial side of home modifications and long-term care. The episode wraps with a clear, four-step framework families can use to start planning now rather than reacting later.

All of the resources discussed in today’s conversation are linked below.

Resources mentioned

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18577163 Tue, 27 Jan 2026 07:00:00 -0500 1489 aging in place, fall prevention, occupational therapy, elder care planning, caregiving, dementia care, home safety, aging parents, long term care planning, sandwich generation, retirement planning, senior living, home modifications, financial planning 1 8 full false Emilia Bourland Tom Kaminski, CFP® Lauren Everyday Cybersecurity: How Families Can Protect Themselves Online w/ Danny Schwartze Everyday Cybersecurity: How Families Can Protect Themselves Online w/ Danny Schwartze Cybersecurity has quietly become part of everyday life, whether we like it or not. In this episode, Tom Kaminski is joined by Danny Schwartze, CEO of Your Cyber Life, to talk through practical, real-world steps families can take to better protect themselves online.

From fraud texts and phishing emails to AI-driven scams, this conversation focuses on building awareness and putting simple safeguards in place without feeling overwhelmed. This episode is designed for families who want to strengthen their digital defenses, with a follow-up episode planned that will focus specifically on cybersecurity support for aging parents.


Resources discussed in this episode include: 

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Cybersecurity has quietly become part of everyday life, whether we like it or not. In this episode, Tom Kaminski is joined by Danny Schwartze, CEO of Your Cyber Life, to talk through practical, real-world steps families can take to better protect themselves online.

From fraud texts and phishing emails to AI-driven scams, this conversation focuses on building awareness and putting simple safeguards in place without feeling overwhelmed. This episode is designed for families who want to strengthen their digital defenses, with a follow-up episode planned that will focus specifically on cybersecurity support for aging parents.


Resources discussed in this episode include: 

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18497072 Tue, 13 Jan 2026 06:00:00 -0500 1284 cybersecurity, family cybersecurity, online safety, digital security, identity theft, fraud prevention, phishing scams, AI scams, personal finance, financial planning, sandwich generation, protecting your family online, cybersecurity education 1 7 full false Danny Schwartze Tom Kaminski, CFP® Lauren Applying Elder Law: Care Planning, Medicaid, and Family Coordination w/ Elder Care Attorney Maureen Lester Applying Elder Law: Care Planning, Medicaid, and Family Coordination w/ Elder Care Attorney Maureen Lester When elder law planning is delayed, families often find themselves in crisis mode.

In this episode, Tom Kaminski and elder law attorney Maureen Lester discuss common elder law “horror stories,” what actually goes wrong when planning happens too late, and how families can avoid these outcomes. They cover outdated estate documents, guardianship proceedings, and the financial and emotional costs of court involvement.

The conversation also highlights positive planning strategies, including care contracts, Medicaid considerations, and how clearly defining roles among siblings can reduce conflict. Maureen shares practical ways families can start conversations early and take small but meaningful steps before a crisis occurs.

This episode offers realistic guidance for navigating aging, caregiving responsibilities, and long-term care decisions.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> When elder law planning is delayed, families often find themselves in crisis mode.

In this episode, Tom Kaminski and elder law attorney Maureen Lester discuss common elder law “horror stories,” what actually goes wrong when planning happens too late, and how families can avoid these outcomes. They cover outdated estate documents, guardianship proceedings, and the financial and emotional costs of court involvement.

The conversation also highlights positive planning strategies, including care contracts, Medicaid considerations, and how clearly defining roles among siblings can reduce conflict. Maureen shares practical ways families can start conversations early and take small but meaningful steps before a crisis occurs.

This episode offers realistic guidance for navigating aging, caregiving responsibilities, and long-term care decisions.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18382906 Fri, 19 Dec 2025 06:00:00 -0500 1420 elder law horror stories, medicaid planning, long term care costs, caregiving burnout, aging parents, sandwich generation, power of attorney, guardianship, conservatorship, family conflict, care contracts, elder care planning, financial planning podcast, 1 6 full false Maureen Lester Tom Kaminski, CFP® Lauren What Elder Law Really Is (And Why Estate Planning Alone Is Not Enough) w/ Elder Care Attorney Maureen Lester What Elder Law Really Is (And Why Estate Planning Alone Is Not Enough) w/ Elder Care Attorney Maureen Lester What is elder law, and why does traditional estate planning often fall short as parents age?

In this episode, Tom Kaminski is joined by elder law attorney Maureen Lester to break down the role of elder law, how it differs from standard estate planning, and why it becomes essential once health, cognition, and caregiving enter the picture.

Maureen explains how elder law focuses not just on asset transfer, but on long-term care planning, decision-making authority, and protecting vulnerable adults. Together, they discuss common misconceptions families have, why early planning matters, and how professionals can work together to better support aging parents and their adult children.

This episode lays the groundwork for understanding the legal realities families face as they move into the later stages of life.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> What is elder law, and why does traditional estate planning often fall short as parents age?

In this episode, Tom Kaminski is joined by elder law attorney Maureen Lester to break down the role of elder law, how it differs from standard estate planning, and why it becomes essential once health, cognition, and caregiving enter the picture.

Maureen explains how elder law focuses not just on asset transfer, but on long-term care planning, decision-making authority, and protecting vulnerable adults. Together, they discuss common misconceptions families have, why early planning matters, and how professionals can work together to better support aging parents and their adult children.

This episode lays the groundwork for understanding the legal realities families face as they move into the later stages of life.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18382315 Fri, 19 Dec 2025 06:00:00 -0500 1086 elder law, estate planning, aging parents, sandwich generation, long term care planning, power of attorney, financial planning, family caregiving, cognitive decline, elder care, retirement planning, legal planning, special needs planning, fiduciary planni 1 5 full false Maureen Lester Tom Kaminski, CFP® Lauren Medicare Made Simple: What Every Family Should Know Before December 7 Medicare Made Simple: What Every Family Should Know Before December 7 Open enrollment for Medicare ends on December 7. If you are caring for aging parents, supporting multiple generations, or approaching age 65 yourself, this episode will help you get clarity fast. Our guest is Grant George from Medicare Done Professionally. He explains Medicare in simple and practical terms. We cover what Parts A, B, C and D actually do, how to compare employer or retiree plans with Medicare, and the biggest mistakes people make during open enrollment.

Grant also walks through enrollment timelines, advisor compensation, red flags to watch for, and the best practices families should follow each fall. If you are navigating Medicare for the first time or helping a parent make decisions, this episode gives you the education you need to move forward with confidence.

Guest: Grant George, Medicare Done Professionally
 Website: www.mdprs.com

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Open enrollment for Medicare ends on December 7. If you are caring for aging parents, supporting multiple generations, or approaching age 65 yourself, this episode will help you get clarity fast. Our guest is Grant George from Medicare Done Professionally. He explains Medicare in simple and practical terms. We cover what Parts A, B, C and D actually do, how to compare employer or retiree plans with Medicare, and the biggest mistakes people make during open enrollment.

Grant also walks through enrollment timelines, advisor compensation, red flags to watch for, and the best practices families should follow each fall. If you are navigating Medicare for the first time or helping a parent make decisions, this episode gives you the education you need to move forward with confidence.

Guest: Grant George, Medicare Done Professionally
 Website: www.mdprs.com

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18286738 Tue, 02 Dec 2025 14:00:00 -0500 1341 Medicare, Medicare explained, Medicare 2025, Medicare open enrollment, Open enrollment deadline, Medicare Part A, Medicare Part B, Medigap, Medicare supplement, Medicare Advantage, Plan G Medicare, Medicare tutorial, Medicare for beginners, caring for agi 1 4 full false Grant George Tom Kaminski, CFP® Lauren Understanding the Sandwich Generation with Danielle Seurkamp Understanding the Sandwich Generation with Danielle Seurkamp In this episode, Tom talks with financial planner Danielle Seurkamp about what the “sandwich generation” means in practical terms. Instead of a demographic, it is a season of life when someone supports younger and older generations at the same time.

Danielle shares her experience caring for her grandmother through illness and cognitive decline. She discusses the financial and logistical tasks she took on, the family dynamics involved, and the learning curve that many caregivers face when support needs increase quickly.

Tom and Danielle discuss:
 • How they define the sandwich or caretaker generation
 • Why caregiving often begins suddenly
 • The strain that comes with increased responsibility
 • Danielle’s real-world caregiving story
 • The importance of documents and planning
 • The role of trusted professionals
 • First steps for new or stressed caregivers

This episode offers a helpful foundation for anyone navigating caregiving and financial planning.

Click here to Download the free Caregiver Contact List

 Learn more about Danielle at https://www.wellspentplanning.com/

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> In this episode, Tom talks with financial planner Danielle Seurkamp about what the “sandwich generation” means in practical terms. Instead of a demographic, it is a season of life when someone supports younger and older generations at the same time.

Danielle shares her experience caring for her grandmother through illness and cognitive decline. She discusses the financial and logistical tasks she took on, the family dynamics involved, and the learning curve that many caregivers face when support needs increase quickly.

Tom and Danielle discuss:
 • How they define the sandwich or caretaker generation
 • Why caregiving often begins suddenly
 • The strain that comes with increased responsibility
 • Danielle’s real-world caregiving story
 • The importance of documents and planning
 • The role of trusted professionals
 • First steps for new or stressed caregivers

This episode offers a helpful foundation for anyone navigating caregiving and financial planning.

Click here to Download the free Caregiver Contact List

 Learn more about Danielle at https://www.wellspentplanning.com/

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18223528 Thu, 20 Nov 2025 08:00:00 -0500 1113 sandwich generation, caregiving, caretaker generation, financial planning, elder care, aging parents, family caregiving, caregiver support, Danielle Sircamp, Tom Kaminski, Sandwich Bread Podcast, long term care planning, dementia care, caregiver resources 1 3 full false Open Enrollment Choices That Really Matter Open Enrollment Choices That Really Matter In this episode, Tom explains how to approach open enrollment with clarity and confidence. He covers retirement plan deferrals, health insurance comparisons, FSAs, disability coverage, life insurance, and lesser known benefits that can save or cost you real money. A simple, structured guide to help you get the most value from your employer benefits.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> In this episode, Tom explains how to approach open enrollment with clarity and confidence. He covers retirement plan deferrals, health insurance comparisons, FSAs, disability coverage, life insurance, and lesser known benefits that can save or cost you real money. A simple, structured guide to help you get the most value from your employer benefits.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Twin Robins Capital, LLC Buzzsprout-18191471 Fri, 14 Nov 2025 11:00:00 -0500 1247 open enrollment, employer benefits, financial planning, personal finance, health insurance, retirement planning, 401k, 403b, FSA, HSA, disability insurance, life insurance, family finance, workplace benefits, money decisions 1 2 full false Why the Sandwich Generation Needs Its Own Space Why the Sandwich Generation Needs Its Own Space Episode 1.0 introduces The Sandwich Bread Pod and the purpose behind it. Tom Kaminski, CFP®, shares his background, why he launched this show, and what it really means to be part of the Sandwich Generation. This episode sets the foundation for honest conversations about multigenerational life, real financial pressure, and the responsibilities that come with supporting parents, raising kids, and managing your own goals.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Episode 1.0 introduces The Sandwich Bread Pod and the purpose behind it. Tom Kaminski, CFP®, shares his background, why he launched this show, and what it really means to be part of the Sandwich Generation. This episode sets the foundation for honest conversations about multigenerational life, real financial pressure, and the responsibilities that come with supporting parents, raising kids, and managing your own goals.

This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

]]> Buzzsprout-18186352 Thu, 13 Nov 2025 14:00:00 -0500 417 Sandwich Generation, Multigenerational Planning, Financial Planning, Family Finance, Aging Parents, Raising Kids, Personal Finance, Caregiving, Working Parents, Money Stress, Financial Wellness, Life Planning, CFP Professional 1 1 full false