Articles

Predictions for 2026

December 30, 2025

In a world saturated with conventional paths to success, the Uncommon Wealth Podcast stands out by celebrating those who tread unique pathways to achieve financial and personal fulfillment. Hosted by Philip Ramsey, this podcast focuses on the human aspect of financial growth, offering a fresh narrative on wealth creation and personal development. This edition, featuring co-host Cody Kowalski, explores their end-of-year reflections, predictions for market trends, and the infusion of AI into their business model, all while maintaining an engaging and relatable tone.

  • Key Takeaways

    • Strategic implementation of AI enhances back-end efficiency while preserving the personal client connection.

    • Reflections on the past year’s challenges reveal unexpected growth and adaptability.

    • Dynamic withdrawal strategies in retirement planning promise greater financial flexibility and security.

Implementing AI for Enhanced Efficiency While Maintaining Personal Touch

The Uncommon Wealth Podcast highlights a strategic shift in utilizing AI to streamline operations without sacrificing the personal interaction that defines its client relationships. AI has become a pivotal tool, not as a replacement but as an enabler of deeper human connections. “What I’d like to do is use AI on the back end so we can be way more personable on the front end,” Phillip Ramsey emphasizes. This methodology allows the firm to shift monotonous operational tasks to AI, enabling them to focus on developing meaningful personal relationships with their clientele.

Cody Kowalski affirms this approach: “We’re not going to let AI touch those things that are people-to-people.” AI’s role is to amplify operational efficiency, freeing the team to dedicate more energy to client interactions. This strategic use of technology offers a model for businesses aiming to leverage AI’s power without compromising their core values.

Overcoming Challenges: Growth and Adaptation in 2025

Reflecting on a year marked by significant transitions, the podcast team examines how they navigated changes with resilience and growth. The departure of key team members could have spelled turmoil for Uncommon Wealth Partners, but instead, it led to an opportunity for reflection and restructuring. Ramsey reflects, “What the Lord did through that has been life-giving and changing and amazing.”

Despite staff changes, the company reported an impressive growth of 8% in revenue. This, alongside maintaining constant expenses, speaks volumes about their adaptive strategies. Ramsey credits their ability to embrace a new paradigm and find life-giving opportunities in challenging scenarios. This learning journey underscores the potential for growth embedded within obstacles and inspires professional resilience.

Integrating Dynamic Withdrawal Strategies in Retirement Planning

As clients approach retirement, the need for a robust strategy to manage their investments becomes crucial. The podcast introduces a forward-thinking approach known as “dynamic portfolio withdrawal,” a method designed to provide retirees with financial flexibility while maintaining long-term security. Cody elaborates, “What that means is, you can be taking this amount, and if your portfolio values go up, then you’re going to take more out, and if they go down, then you take less out.”

This shift from the traditional 4% rule allows for more tailored monthly distributions, aligning client finances with market realities. Looking forward, Uncommon Wealth Partners aims to provide proactive strategies that redefine retirement planning, offering clients not just security but potential for increased financial well-being.

The podcast’s emphasis on client-oriented strategies and continuous adaptation reflects innovation within financial planning, ensuring that client portfolios are managed dynamically rather than uniformly—a testament to the podcast’s pioneering ethos.

Navigating transitions and integrating technology are themes exemplified by Uncommon Wealth Partners’ journey through 2025 and beyond. The stories and strategies outlined in this insightful podcast episode serve as exemplary models for those aspiring to lead an uncommon life. Kendall Kowalski’s upcoming completion of 21 credits and subsequent entry into the financial advisement space promises a continuation of this innovative tradition.

In the spirit of pursuing the uncommon, Ramsey and Kowalski illustrate that embracing change with optimism and innovation leads to a future replete with possibility and growth. As they welcome 2026, the Uncommon Wealth Podcast’s reflections and strategies are set to inspire others to craft their unique paths to wealth and personal fulfillment while remaining grounded in their core mission: building wealth through relationships and uncommon thinking.