Videos

In this episode of the Ask Ralph Show, Ralph Estep Jr. tackles the critical topic of naming a trust as a retirement account beneficiary. Drawing from personal experience, Ralph explains the benefits of trusts, including strategic distribution, tax efficiency, privacy, and avoiding probate. He highlights biblical wisdom from Proverbs 13:22,…

A well-designed trust offers flexibility, allowing you to review and adjust it as life changes. As your children grow, marry, or have their own children, the needs and circumstances around your legacy will evolve. Stay proactive and ensure your estate plan reflects your family's journey and financial goals. #EstatePlanning #FamilyLegacy…

One of the key benefits of setting up a trust is the complete inventory of your assets. From properties and investments to retirement accounts and life insurance, making sure everything is accounted for helps ensure that nothing falls through the cracks. This thorough approach provides peace of mind that your…

Align your legacy with your values. Integrating donor-advised funds or charitable remainder trusts into your estate plan allows you to support causes close to your heart while providing tax benefits and income streams for your beneficiaries. Make your legacy a lasting testimony of faith and purpose. #LegacyPlanning #CharitableGiving #PurposeDrivenLife

In this episode of the Ask Ralph Show, Ralph Estep Jr. addresses the major tax changes coming in 2025, which have many, including his friend David, worried about their financial future. Ralph breaks down key shifts like the expiration of Tax Cuts and Jobs Act provisions, new tax brackets, and…

With key tax provisions set to expire in 2025, the future of tax rates and changes could get complicated. Extensions may require reconciliation, making them temporary. Understanding these nuances can help you prepare for future tax adjustments. #TaxPlanning #FinancialStrategy #TaxChanges2025

Potential Republican leadership may bring extensions of current tax rates and new incentives for small businesses. A focus on fostering investment in small businesses could drive growth and opportunity. Let’s stay informed and prepare for what might come. #SmallBusiness #TaxPolicy #EconomicGrowth

Maximize your IRA, 401(k), and HSA contributions now while tax rates are lower. Consider Roth conversions and review your portfolio for tax efficiency. Municipal bonds can also offer tax-free income. Smart planning today can save you tomorrow! #TaxEfficiency #InvestSmart #FinancialPlanning

Streamline your credit monitoring with a simple, healthy schedule. Use one reliable service, check it monthly, and document trends in a spreadsheet. No need for constant app alerts—focus on the big picture, not daily fluctuations. #CreditMonitoring #FinancialHealth #SimplifyYourFinances

In this episode of the Ask Ralph Show, Ralph Estep Jr. responds to Jennifer’s emotional struggle with her 765 credit score and her obsession with reaching 800. He explains why fixating on perfect numbers can block financial progress and spiritual blessings. Drawing from his experience as a credit union executive,…

Your credit score is just one part of your financial story, not the whole message. God calls us to be wise stewards, not perfectionists. Focus on the bigger picture—faithful resource management over flawless numbers. #FaithAndFinances #Stewardship #FinancialWisdom

Regarding lending decisions, it’s all about Character, Capacity, and Collateral—the true secret sauce. While credit scores factor in, these pillars focus on trustworthiness, ability to repay, and asset value. #LendingTips #FinancialInsights #SecretSauce

Can a Christian parent cut corners on car insurance to make ends meet? When Stacy’s college costs doubled, she faced an impossible choice between her budget and her children's safety. Tonight, we'll tackle this mother's heart-wrenching dilemma that many of you are facing right now. Plus: "My church says debt…

Don’t ignore sluggish performance—it might be more than a restart issue. If your machine keeps lagging, it’s time to investigate before it worsens. #TechTips #SlowPerformance #StayProductive

Monitoring your accounts daily is key, but don’t stop there. Set up a separate emergency fund specifically for cyber incidents—because being prepared can make all the difference for your business or personal finances. #CyberSecurity #EmergencyFund #BePrepared

Persistent network slowdowns might not just be heavy traffic—they could indicate a bigger issue. Don’t ignore unusual delays. Investigate and report to stay ahead of potential problems! #NetworkPerformance #CyberSecurity #ITSupport

In this episode of the Ask Ralph Show, Ralph Estep Jr. addresses the growing threat of cyber attacks targeting small businesses and faith-based organizations. Through real-life stories, including Catherine, a small business owner, and Michael, a church member from Atlanta, Ralph highlights the emotional and financial toll of ransomware. He…

Joining a credit union means becoming more than a customer—you're an owner. Profits are reinvested to give you better rates, improved services, and lower fees. #CreditUnionBenefits #FinancialOwnership #SmarterBanking

A 20% down payment shouldn't stand in the way of owning your dream home. That's why we created the 5% down payment program—giving more people the opportunity to achieve homeownership. #HomeownershipMadePossible #InnovativeLending #BreakingBarriers

In this episode of the Ask Ralph Show, Ralph Estep Jr. explores the benefits of choosing credit unions over traditional banks. Credit unions stand out by putting people first, offering member-owned structures, local decision-making, and a focus on financial education. Unlike banks driven by shareholder profits, credit unions prioritize community…

At credit unions, it’s not just about numbers—it’s about people. From helping small business owners in tough seasons to empowering first-time homebuyers and supporting local churches, we prioritize relationships and character over spreadsheets. #PeopleFirst #CreditUnionDifference #RelationshipsMatter

Balancing faith and financial success is a challenge many Christians face. In this episode of the Ask Ralph Show, Ralph Estep Jr. responds to listener Mindy, who struggles with the tension between wealth and worship. Ralph shares his own story and practical steps for keeping Christ at the center of…

Your business isn’t just about income—it’s a testimony of God’s faithfulness. Trust Him, prioritize His kingdom, and watch how He provides abundantly. #FaithInBusiness #KingdomPriorities #GodProvides

Challenges are opportunities for growth when we trust God's timing. Remember, He works all things for the good of those who love Him. Stay encouraged and let every obstacle refine you. #TrustGodsTiming #FaithAndGrowth #OvercomingSetbacks