Financial Opportunities Uncovered: A Keeler & Nadler Family Wealth Podcast

Some support systems feel like a dozen moving parts that never talk to each other, and families pay the price in time, stress, and constant coordination.  Mark Beaver is in the host chair for this episode and brings in Chris Wolf, Chief Operating Officer at Boundless.  Together, they unpack what it looks like when an Ohio disability services nonprofit designs care around the real world instead: home life, school years, health needs, work goals, and community belonging.We talk about how Boundless grew from its Franklin County roots into a statewide footprint by doing something deceptively simple: looking for service gaps and building solutions where the need is greatest. Chris walks us through residential supports like respite, in-home care, group homes, and supported living, plus day and community integration programs that help people with intellectual and developmental disabilities (IDD) find social connection, skills training, and employment. If you’re a caregiver, a professional, or someone planning for a loved one with special needs, this is a grounded look at what services actually look like on the ground in Ohio.A big focus is whole person integrated care: blending primary care, dental care, therapies, behavioral health, and strong care coordination so families aren’t left juggling providers and paperwork alone. Chris also shares how Boundless thinks about nonprofit sustainability, measuring impact with both stories and numbers, and the staffing realities that make direct support deeply meaningful. Plus, stay to the end as Chris and Mark realize they share many tastes in music!   We're talking heavy .. HEAVY metal here!!   Subscribe, share this with someone who supports a loved one with IDD, and leave a review so more families can find these resources.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

A lot of tax advice sounds smart until you run the numbers on a real return. Andy welcomes Abby Rose, CPA, CFP® and Director of Tax at Keeler and Nadler, to translate the biggest 2025 tax changes into practical moves.This isn't pie in the sky advice either; this is clear, actionable expertise to protect your family, your nest egg and to stop overpaying the IRS.We dig into what it means to permanently extend the 2017 tax rates, and why the jump in the SALT cap from $10,000 to $40,000 can bring itemized deductions back to life.  Abby explains deduction lumping (also called deduction bunching) with clear examples: shifting property tax payments and charitable giving into the right year can create a bigger itemized deduction, then you can switch back to the standard deduction the following year. We also talk donor advised funds and why they can be a powerful strategy in a high-income year.Next, we unpack the new and easily misunderstood rules around charitable deductions in 2026.  Then, we clarify common confusion around “no tax on tips” and “no tax on overtime".   Plus, what happens with the estate tax exemption now near $15 million per person?   The big theme is this: proactive planning before year end beats discovering missed opportunities after your CPA files.Subscribe for more clear financial conversations, share this with a friend who hates surprises at tax time, and leave a tax question you want us to tackle next.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

One unexpected inheritance can knock a loved one off critical benefits, and most families don't find out until it is too late. Keeler and Nadler's Mark Beaver sits in the host chair for this episode and welcomes special needs planning attorneys Logan Phillips and Derek Graham of Phillips and Graham.   Together, this vital conversation lays out a clear, practical approach to special needs estate planning and special needs financial planning, built for real life instead of legal theory.We talk through what “special needs planning” actually means: not just drafting a trust, but creating clarity around Medicaid, SSI, county board services, and the long timeline families are really navigating. Logan and Derek explain when families typically start planning, why connecting with the County Board of Developmental Disabilities matters, and how Medicaid waivers can fund life-changing supports.Then, Mark, Logan and Derek get specific about the money rules that create the biggest pitfalls:  the $2,000 asset limit, how a typical estate plan can accidentally disqualify a person with a disability, and how a third-party discretionary trust often protects benefits.   Listen to the very end too as our guests share a key planning lever many financial advisors miss: Disabled Adult Child Benefits and how a parent’s Social Security retirement timing can change outcomes.If you want more clarity and fewer surprises, subscribe, share this with a parent or advisor who needs it, and leave a review with the question you want us to tackle next.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Want faster care, longer visits, and a doctor who actually has time to think about your case?  Host, Andy Keeler, digs into concierge medicine and direct primary care with Dr. Vicki Rentel, a retired primary care physician.   Dr. Rentel speaks candidly about what these models do well, where they fall short, and how they reshape incentives for both patients and clinicians. No fluff—just practical insights on cost, access, and real‑world tradeoffs.We break down the differences between concierge and DPC: who bills insurance, how memberships are priced, what’s included, and where extra fees can pop up.  We also tackle the uncomfortable truth about speed: a quick referral or immediate test is not always better. Dr. Rentel shares examples of overtreatment and how the pressure to please paying members can skew decisions.  Plus, she explains which questions to ask to keep your medical care evidence‑based and safe.Prevention and wellness - like many things - come back to basics: habits, environment, DNA, and consistency.  Yes, medical memberships can add accountability, but health outcomes still hinge on long-standing factors like sleep, exercise, nutrition, stress, and tobacco use. The bottom line is simple; the best predictor of your results is the clinician and the quality of their team, not the label on the practice door.If you’re considering a switch or just want to get more from your current care, this conversation gives you a clear framework: what to expect, what to avoid, and how to choose wisely.    Follow the show, share it with a friend who’s debating health care, and leave us a quick review with your biggest question.  We just might feature it next time!The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

What if the most important part of retirement can’t be measured in dollars? Host, Andy Keeler sits down with certified retirement coaches Rita Gallagher and Rhonda Fekete to unpack the real levers of a fulfilling life after the paycheck: identity, purpose, health, and community. You’ll hear why many people plan a one-week vacation more carefully than their next 30 years.  Plus, how a few intentional choices can turn dread or boredom into energy and meaning.We map out four common mindsets of people closing in or at retirement age:  can’t wait, I guess it’s time, my work is who I am and still engaged.   Andy, Rita and Rhonda then show how each one can become a successful path. Rita shares what a joyful retirement looks like in practice, from therapy dog visits and Meals on Wheels to a thriving pickleball tribe. Rhonda walks through a client story where phased work and clear boundaries transformed fear of losing relevance into a thriving consulting practice. Along the way, we dig into Blue Zones insights on social ties, the hidden cost of loneliness, and why mobility training might be the best travel insurance you’ll ever buy.Expect practical prompts you can use now: who will you see each week, what will you learn, where will you serve, and how will you move your body and your brain? We also explore how non-financial coaching fits with financial planning.  Prime example — how to avoid the trap of hobby-only retirement plans that fizzle fast.Whether you want to keep working on your terms or step into a new rhythm, this conversation helps you design a chapter worth waking up for.   If this resonates, follow the show, share it with someone wrestling with timing or identity, and tell us what purpose looks like for you.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Tired of torching profit on last‑minute purchases that don’t move the needle? Host, Andy Keeler dives into a smarter path for small business owners: using entity structure, reasonable compensation, and layered retirement plans to legally cut taxes while building real wealth you control. With CFP Michael Davis of Creative Retirement Solutions, we unpack the practical differences between sole proprietors and S-Corps and how to set compensation that passes the smell test without kneecapping your contribution room.From there, we map out a clear plan stack. IRAs and a well-built 401(k) with profit sharing is the engine, allowing high, deductible contributions that actually dent your tax bill. Then we open the door to cash balance pension plans—ideal for profitable owners, especially those older than their teams. Andy and Michael talk real numbers, typical costs, and why tax credits can offset setup and admin too.Flexibility is the throughline in this episode. Plan designs can be tuned to your budget, frozen in tough years, and amended as profits change. For many owners, that means capturing 90%+ of contributions personally when demographics line up, all while treating employees fairly with vesting and transparent benefits. The result is a toolkit that shifts dollars from wasteful spend into assets that compound over time. Listen now, then subscribe, share with a fellow owner, and leave a review telling us which strategy you’ll start with. The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Ever wonder why your Roth “feels” slower than your 401(k)?   You're nearing retirement and want to be mortgage free.  But is that the smart money play?   You want to buy or lease your next car?   Should it be new or used?   These are our most popular questions when host Andy Keeler opens the Keeler and Nadler mailbag!   And he has reinforcements for this one: Abby Rose, CPA, CFP, Mark Beaver, CFP, and Jake Martin, CFP.  The whole gang is here to tackle real‑world money questions listeners and clients ask us every week.We start by separating account labels from investment results, showing how contributions and scale distort what you see in your balances. From there, we map out a simple way to decide between pre‑tax and Roth 401(k) contributions using your current and expected tax brackets.  College planning gets a much‑needed demystification: FAFSA has three deadlines and filing early matters for grants and institutional aid. It is faster than ever thanks to IRS upgrades too.Then we put numbers and behavior side by side for the mortgage payoff question. With low rates, the spread between your debt cost and a reasonable portfolio return can compound in your favor—if you can stick to the plan. We also look at gold with a cold, sobering eye: those marketing commercials are loud right now, but inflation protection is inconsistent, and volatility is high.    We also discuss long‑term health care as standalone policies have grown pricey.  Let's also talk about a car for you and college savings for junior.   529 plans deliver tax‑free growth and the potential to roll unused funds to a Roth IRA for your child. And on the road, lease vs buy comes down to cash flow, mileage, high-tech, and your tolerance for surprise (!) repairs.If this helped you make a smarter money move, follow the show, share it with a friend, and leave a quick review so more people can find these practical, problem-solving conversations by Keeler and Nadler Family Wealth.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

The year felt like a stress test wrapped in a plot twist: a spring selloff on tariff fears, a quick reset, and a powerful finish powered by heavyweights. Andy, Jake and Mark walk through the real drivers behind the numbers—how a 19% drawdown and an 8% wobble hid inside a “good year.”   Plus, why market leadership looks unusually concentrated, and what makes today’s earnings story different from the dot-com era. No crystal balls here, just clear context and a focus on decisions that actually move the needle for long-term investors.We dig into the global picture as well. Developed international and emerging markets finally showed some life, helped by a weaker dollar that lifted returns for U.S.-based investors.  On the fixed income side, bonds did their boring, beautiful thing: they provided ballast when stocks stumbled and finished positive as the yield curve started to look normal again.  (Oh yeah, we explain what a yield curve is!) Starting yields matter, and they tell a better story now than at any point in the near-zero rate era.Policy and headlines gave us plenty to chew on too: tariffs that started scary but moderated with negotiation, consumer debt stories that missed the key metric of debt service ratios, and high-profile tech layoffs set against an unemployment rate still near full-employment territory. We close with a contrarian insight that keeps proving itself: when sentiment is bleak, forward returns tend to improve. The “wall of worry” is real, and it’s climbable with diversification, patience, and a plan built for years, not months.Follow the show, share it with a friend, and leave a quick review so more listeners can find it. What market question should we tackle next?The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Ever wonder whether your dream business is a smart investment or a costly hobby in disguise? We dig into the real math and human realities of starting, buying, operating and selling small businesses with Emmet Apolinario, a certified exit planning advisor and president of the Ohio Business Brokers Association. Andy and Emmet walk through two common entry points—spotting an underserved market or turning a passion into a company—and test each against capital needs, staffing complexity, and margins. You’ll hear how a disc golf retailer sold at the right moment, why a travel agency delivered lifestyle and strong cash flow, and how a bakery boosted margins by shifting to online ordering. We explain why Seller’s Discretionary Earnings (SDE) is often the truest yardstick for small, owner-operated firms. Emmet breaks down the eight value drivers that buyers reward including: recurring revenue, consistent financial performance, growth potential, capacity utilization, the Switzerland structure (vendor and client diversification), monopoly control and brand strength.If you’re debating a salon, restaurant, home healthcare, or any people-heavy model, we also lay out how bench strength, scheduling systems, and incentives can turn turnover into a manageable variable instead of a daily crisis. Enjoy the conversation, subscribe, and share with a friend who’s entrepreneurial!The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Ever felt your pulse jump at the sound of a big-block V-8 or the whistle of a twin-turbo Flat 6? We chase that feeling the smart way, sitting down with Ectore Tranquillo, an analytical chemist by trade who built a reputation as a sharp-eyed car buyer, restorer, collector and advisor. Together, Andy and Ectore map out how to turn a garage dream into a confident purchase, from tracking down a lost family car to navigating auctions without getting played.We start by defining the “why” behind the buy—daily enjoyment, investment-grade originality, or a restomod that blends heritage with modern reliability. Ectore breaks down demographic waves that move the market: why C1 Corvette prices are softening, C2 Corvette’s are hot plus how C3 Corvette, Mustangs, IROC-Z's and Toyota Supras are climbing. We unpack the rise of restomods, where factory lines meet today's power, modern brakes, and Apple CarPlay.   These are cars you can actually drive yet often command six-figure results at auction.Then we get tactical. Learn the tools and sources that separate a great deal from a headache: marque registries, museum and track VIN archives and expert reference books. We lay out the real auction math—fees, transport, timing premiums, and air bidding—and how to protect yourself as both buyer and seller. Finally, we peek into modern exotics, from Ferrari allocation lists and anti-flip rules to picking the right model for your budget and exit plan.If you want a clear playbook to find, verify, and enjoy the right car without overpaying, this conversation will save you time, money, and heartache. Subscribe, share this episode with a fellow gearhead, and leave a quick review telling us your dream car and why.   It'll help others find the show and keep the engines running!The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

What’s your number? We put real mile markers on a lifelong question and show how to translate worry into workable. Joining host, Andy Keeler, is Keeler and Nadler's  Jake Martin, to map your savings targets by decade.  Plus, the habits that actually stick, and the levers you can pull when life gets messy.We start with the 20s, where building a positive net worth, automating small contributions, and shaping good credit can matter more than hitting big balances. In your 30s, complexity ramps up—homes, partners, kids—and so does the risk of lifestyle inflation.   In the 40s, the “messy middle,” we target three times salary by 45 and talk candidly about stress, competing obligations, and how compounding begins to widen the gap between consistent savers and everyone else.Your 50s bring leverage. We outline salary targets, IRS catch‑up contributions, and why asset allocation now moves the needle more than new deposits. Then we shift to the 60s, where withdrawal strategy matters. We talk about the 4% rule and what it implies for how much you can sustainably withdraw, as well as how to coordinate Social Security timing to help the portfolio last longer.  The takeaway is clear: if you don’t save it, you’ll spend it, and the earlier you automate, the easier the journey.  From this episode, walk away with decade-by-decade benchmarks, practical tactics and a clear plan to adjust if you’re off pace. Subscribe and share this episode with a friend who may need a nudge too!   They'll thank you for it.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Think your returns tell the whole story? We challenge that belief by walking through the real engine of smarter investing: the relationship between risk, return, and correlation—and how those forces shape a portfolio you can actually live with.  Andy, and Mark Beaver, the head of our investment team, revisit the elegant logic behind modern portfolio theory, map assets onto the efficient frontier, and show where many investors unknowingly take more risk than they need to.We keep the math human. Risk isn’t just “losing money”—it’s volatility, the swings that test your resolve and erode compounding. We unpack geometric return, standard deviation, and beta in plain English, then put them to work comparing U.S. equities, international stocks, and bonds in the real world. You’ll also hear why diversification is more than owning many funds, why bonds don’t always save the day, and how a portfolio can be tuned to sit on the frontier rather than drift below it.We also spotlight the Sharpe ratio—subtracting the risk‑free rate and scaling by volatility—to judge whether a “great” 10% decade actually earned its keep. Expect practical examples and historical context going back to tea-and-spice trading days. If this conversation sparks an audit of your own allocation, tap follow, and share it with a friend who tracks the S&P like a heartbeat.   Plus, leave a review with the one question you want us to tackle next.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Medicare remains a frustrating enigma for millions of Americans despite being in existence for over 60 years. Even highly educated professionals find themselves bewildered when approaching their Medicare enrollment, often making costly mistakes that compound over time. But what if understanding Medicare could become a financial opportunity rather than a bureaucratic headache?In this illuminating episode, we dive deep into the Medicare maze with expert guidance from Kerry Quick of Seniority Benefits Group and our own Director of Tax, Abby Rose, CPA and CFP®. Together, they demystify the fundamental components of this critical healthcare program and reveal how seemingly unrelated financial decisions can dramatically impact what you pay for Medicare coverage.The conversation breaks down Medicare's structure—from the hospital coverage of Part A to the outpatient services of Part B, and the prescription coverage of Part D. You'll discover critical differences between Medicare Supplements and Medicare Advantage plans and learn why the timing of your enrollment matters more than you might think. Most importantly, we explore the often-overlooked connection between your tax planning and Medicare premiums through IRMAA (Income-Related Monthly Adjustment Amount)—a Medicare premium surcharge that can add up to $628 per month per person for higher-income beneficiaries.Whether you're approaching Medicare eligibility, helping parents navigate their healthcare options, or planning for your own retirement decades from now, this episode provides the clear, actionable guidance you need to make Medicare work for your financial plan rather than against it. Subscribe now and join Andy, Abby and Kerry for this essential conversation about one of retirement's most misunderstood challenges.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Discover the hidden savings vehicles that could transform your financial future beyond simply maxing out your 401(k). Keeler and Nadler's Jake Martin joins Andy to unpack powerful but often overlooked strategies that could save you thousands in taxes while accelerating your wealth-building journey.The conversation begins with Health Savings Accounts (HSAs), which Jake describes as having a unique "triple tax advantage".   Contributions are tax-deductible, growth is tax-deferred, and withdrawals for qualified medical expenses are completely tax-free. While many use HSAs for current medical expenses, the optimal strategy is often paying those costs out-of-pocket while allowing HSA funds to grow tax-free for future healthcare needs.Andy and Jake then explore Flexible Spending Accounts and Dependent Care Accounts, which operate on a "use it or lose it" basis but can generate significant tax savings for predictable expenses. For a family in the 25% tax bracket maxing out their Dependent Care Account at $5,000, the annual tax savings alone amount to $1,250 - essentially free money for expenses they would incur regardless.The discussion shifts to Employee Stock Purchase Plans, which allow employees to buy company stock at discounts of 5-15%. While these plans offer essentially guaranteed returns equal to the discount percentage, Jake cautions about concentration risk and recommends diversifying after meeting holding requirements.For listeners frustrated by Roth IRA income limits, Andy and Jake break down backdoor Roth strategies, including the "mega backdoor Roth" that enables much larger Roth conversions through after-tax 401(k) contributions. Ready to uncover savings opportunities you might be missing? This episode provides actionable strategies to optimize your financial plan, potentially saving thousands in taxes annually while accelerating your path to financial independence. Subscribe now and share with friends who could benefit from these insightsThe opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Financial planning is a complex system of interconnected gears—turn one, and you turn several others. While many people take pride in managing their investments, they often miss this crucial perspective, leading to costly oversights and missed opportunities.In this eye-opening episode, we explore why even the most sophisticated DIY investors—doctors, lawyers, CPAs, and retired investment bankers—eventually recognize the value of professional financial guidance. Mark Beaver, CFP®, joins Andy us to share real-world examples of how seemingly small financial decisions can have outsized consequences.We dive deep into the tax implications of investment decisions, revealing how active trading in taxable accounts can trigger significantly higher tax rates and even Medicare premium surcharges that cost thousands annually. One client was unknowingly paying 37% on investment gains when they could have paid just 15% with proper planning. Beyond taxes, we examine common blind spots in estate planning (like unfunded trusts), retirement income sequencing, and the challenge of staying current on constantly evolving financial strategies. As Mark explains, "It's not just the decisions you make, but the opportunities you miss because you didn't know they existed."The most compelling reason sophisticated clients delegate their financial planning to Keeler and Nadler? It's rarely about capability but more about priorities. As one client put it: he wanted his wife cared for in his absence, valued our holistic perspective, and recognized he simply couldn't keep up with the evolving financial landscape across multiple disciplines. By delegating these responsibilities, he gained something far more valuable than potential cost savings — peace of mind and time to enjoy his retirement.Have questions about your financial plan or wondering if you've overlooked important opportunities? Connect with us on LinkedIn to continue the conversation.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Discover a little-known opportunity that allows Ohio taxpayers to redirect their state income tax dollars to private school scholarships—at absolutely no cost to themselves. This game-changing program gives you direct control over a portion of your tax dollars while providing vital financial support to K-12 non-public education.Jake Martin, CFP, joins host Andy Keeler to unveil the Scholarship Granting Organization (SGO) tax credit, a powerful but underutilized program introduced in Ohio in 2021. Unlike typical charitable deductions, this dollar-for-dollar tax credit means your $750 (individual) or $1,500 (couple) donation costs you nothing—the state essentially returns every penny through reduced tax liability. The impact? When multiple supporters participate, schools can raise hundreds of thousands in scholarship funding annually.The conversation breaks down exactly how the process works, who qualifies, and the simple steps to participate. You'll learn why this opportunity extends far beyond parents to include grandparents, friends, teachers, and anyone who pays Ohio income taxes. Jake shares real examples of how schools have leveraged this program to dramatically increase scholarship funding, making private education accessible to more families while strengthening school financial stability.Whether you have children in private school, support educational choice, or simply want more control over your tax dollars, this episode reveals a straightforward strategy that benefits schools without costing you a dime. Connect with your school administrators to help them organize participation or reach out directly to our Keeler and Nadler team with questions about implementing this opportunity in your communityThe opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Tax legislation can be overwhelming, especially when it spans 870 pages of dense policy changes. Our latest deep dive untangles the recently passed "Big Beautiful Bill" (BBB) to spotlight the provisions most likely to impact your financial future.The BBB primarily extends many provisions from the 2017 Tax Cuts and Jobs Act that were scheduled to sunset at the end of 2025. Most notably, the current tax rates have been made permanent, eliminating a significant source of uncertainty for long-term financial planning. But beyond these extensions, several transformative changes and new provisions deserve your attention.Perhaps most impactful for residents of high-tax states is the quadrupling of the SALT (State and Local Tax) deduction cap from $10,000 to $40,000. This change alone could save qualifying taxpayers thousands in federal taxes and is retroactive to 2025, creating immediate planning opportunities. For families, the Child Tax Credit increases to $2,200 per child, while Americans 65 and older could see some benefits as well.Some of the most innovative provisions target specific income types: tipped employees can exclude up to $25,000 of their tips from taxation, while all workers can exclude up to $12,500 of overtime wages. Car buyers financing American-assembled vehicles can deduct up to $10,000 in annual loan interest. Looking further ahead, the "Trump accounts" program will provide government-funded investment accounts for children born between 2025-2028.Whether you're planning your 2025 tax strategy or looking at long-term estate planning with the new $15 million per person exemption, understanding these changes is crucial. Connect with us to explore how these provisions might create new financial opportunities for you and your family.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

When was the last time you calculated exactly what you're paying for financial advice? More importantly, do you know what services you should be receiving for those fees? In this eye-opening exploration of advisor compensation, we pull back the curtain on an industry where costs are often obscured and services vary dramatically.Most registered investment advisors charge between 1-1.25% of assets under management annually, translating to $10,000 per year on a $1 million portfolio or $50,000 on $5 million. But as Jake Martin, our newest Keeler & Nadler team member with 12 years of experience at a billion-dollar wealth management firm explains, this percentage should typically decrease as your assets grow. The value conversation extends far beyond fee percentages. True comprehensive financial planning encompasses three critical elements: aligning with your specific goals and priorities, implementing holistic strategies (from tax planning to estate preparation), and managing investments appropriately for your situation. Vanguard research suggests quality advisors can add approximately 3% in annual value to client portfolios, largely through preventing behavioral mistakes during market volatility. Perhaps most revealing is our discussion of the hidden costs embedded in investment vehicles. While advisor fees appear on statements, fund expense ratios silently reduce returns without transparency. These can range from 0.03% for simple index funds to 2% for actively managed options, sometimes with additional sales loads taking 5-6% off the top. The cumulative impact of these layered costs creates a dramatic difference in long-term performance, illustrated through Andy's compelling "weighted vest" analogy.Whether you're currently working with an advisor or considering one, this episode provides the knowledge to evaluate what you're paying, what you should expect in return, and how to recognize if you're receiving true value for your investment in professional guidance. Your financial future depends on understanding these often-overlooked details.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Why would supposedly rational people bid $28 for a $20 bill? What makes gambling so irresistibly attractive despite overwhelming odds against winning? Dr. William Resch pulls back the curtain on the powerful psychological forces that drive our betting behaviors in this eye-opening conversation with Andy.Step into the carefully engineered world of modern gambling, where nothing happens by accident. From the moment you enter a casino—with its clockless, windowless environment and maze-like pathways—to the seemingly generous bonuses offered by online betting platforms, you're engaged in a sophisticated psychological experiment designed to separate you from your money.Beyond individual losses, the conversation explores broader economic impacts when money flows to gambling instead of investments, and the limited treatment options available for those struggling with addiction. Dr. Resch explains why cognitive behavioral therapy and support groups remain the foundation of recovery, though promising medication research continues.Whether you're occasionally tempted by a lottery ticket or concerned about someone's gambling habits, this episode provides crucial insight into how our minds work—and how gambling operations exploit our natural psychological tendencies. Knowledge is the first step toward making truly rational decisions about when to hold 'em and when to walk away.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

The real estate landscape has shifted dramatically, and at the heart of today's housing crisis lies an unexpected culprit: the golden handcuffs of record-low mortgage rates from a few years ago. Homeowners who secured rates now find themselves reluctant to sell, constraining inventory and exacerbating market stagnation.Antonio Benton, Senior Vice President at First Commonwealth Bank, joins us to unpack this complex challenge and reveal creative solutions for those feeling trapped by their mortgage rate. With current 30-year fixed rates hovering around 6.875% (close to historical averages but dramatically higher than recent lows), both buyers and sellers need fresh strategies to navigate this environment successfully.We explore practical approaches to overcome today's mortgage obstacles, from the surprising affordability of adjustable-rate mortgages to innovative financing tools like bridge loans and mortgage recasting. For families helping the next generation achieve homeownership, we discuss intergenerational lending opportunities that benefit both parents and their children. And for retirees concerned about qualifying with limited income despite substantial assets, Antonio shares lesser-known strategies that open doors to continued mobility.The conversation demystifies complex financing concepts while providing actionable insights for prospective homebuyers, reluctant sellers, and empty nesters alike. As Antonio reminds us, "Every day is different, every loan is different, every borrower is different." Have questions about your specific situation or ideas for future episodes? Connect with Andy on LinkedIn or send us an email – we'd love to hear from you.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Warren Buffett once said, "I try to invest in businesses that are so wonderful an idiot can run them, because sooner or later one will." This refreshingly simple approach has helped build one of history's greatest fortunes over six decades and offers profound lessons for investors at every level.As Buffett prepares to step down from Berkshire Hathaway at 94, we explore the timeless wisdom that has guided his extraordinary career.  The cornerstone of Buffett's philosophy centers on investing in companies with strong "moats" – sustainable competitive advantages that protect businesses from competitors. Whether through powerful brands (Heinz), high switching costs (Microsoft), or network effects (Apple), these moats enable long-term profitability that Buffett prizes above all. His famous "buy low, sell never" approach minimizes turnover and taxes while allowing compounding to work its magic.Perhaps most valuable is Buffett's emphasis on investor temperament, which Andy talks about on many of our episodes.  While intelligence matters, emotional discipline during market volatility separates successful investors from the crowd. Buffett's contrarian advice to "be fearful when others are greedy, and greedy when others are fearful" highlights why psychology often determines investment outcomes more than technical skill.Whether you're just starting your investment journey or have a substantial portfolio, these principles transcend market cycles and economic conditions. The Oracle of Omaha's greatest gift may be showing us that extraordinary results can come from ordinary wisdom, consistently applied.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

(This is a previously published episode from February) Unlock the secrets of turning financial complexity into clarity from our full-house of experts, led by host, Andy Keeler, along with his team: Abby Rose, Jessica Hultberg, and Mark Beaver. Abby shares an intriguing tale of how strategic tax planning converted a looming tax bill into a surprising (and large) refund, illustrating the power of diligent oversight.   Jessica delves into the nuances of Medicare premium planning and stresses the critical need for modernizing estate planning documents to avoid costly pitfalls.   Mark talks about diving into social security regulations that can really affect your benefits.   But here's the thing; everyone at Keeler & Nadler goes beyond just expertise.   Mark went with his client to the Social Security office locally after hitting a roadblock online.   At a clients' invitation, Jessica went to their home to talk to their daughter about colleges, options and cost.    And maybe the gold star goes to Andy who'll do everything from run numbers on car leasing versus buying when a client is at the dealership to going belly-first under a clients' home to inspect the foundation.Financial planning isn't just about 'the numbers' —it's a holistic approach akin to a doctor treating a patient. We explore how investment management, tax strategies, estate planning, and risk management are all tightly intertwined. Through these personal stories, we uncover the emotional depths of guiding clients through life-altering events ranging from empty nesting to divorce.  That's really important in understanding every facet of a client's life to offer personalized advice.In this conversation, we also emphasize the benefits of professional management of financial intricacies, especially in retirement. We discuss strategies to keep clients' income below thresholds to avoid higher Medicare premiums, ultimately saving them thousands. Even those with financial acumen can benefit from professional guidance, particularly in complex scenarios involving capital gains. Ultimately, the episode shines a light on the trust and value inherent in long-term client relationships compared to the impersonal nature of other firms that just focus on 'the numbers'. The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Why would supposedly rational people bid $28 for a $20 bill? What makes gambling so irresistibly attractive despite overwhelming odds against winning? Dr. William Resch pulls back the curtain on the powerful psychological forces that drive our betting behaviors in this eye-opening conversation with Andy.Step into the carefully engineered world of modern gambling, where nothing happens by accident. From the moment you enter a casino—with its clockless, windowless environment and maze-like pathways—to the seemingly generous bonuses offered by online betting platforms, you're engaged in a sophisticated psychological experiment designed to separate you from your money.Beyond individual losses, the conversation explores broader economic impacts when money flows to gambling instead of investments, and the limited treatment options available for those struggling with addiction. Dr. Resch explains why cognitive behavioral therapy and support groups remain the foundation of recovery, though promising medication research continues.Whether you're occasionally tempted by a lottery ticket or concerned about someone's gambling habits, this episode provides crucial insight into how our minds work—and how gambling operations exploit our natural psychological tendencies. Knowledge is the first step toward making truly rational decisions about when to hold 'em and when to walk away.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

The way we think about long-term care needs a radical reimagining. Moving beyond the antiquated image of hospital-green hallways and institutional settings, our expert guests Sherlyn Swindell of Plus Financial Network and Lisa Harder of Securian Financial help reframe this inevitable life phase as an event rather than a place."We all are going to need care," Sherlyn explains, helping listeners understand that long-term care encompasses everything from occasional help with household tasks to full nursing care. What matters most isn't where you receive care but maintaining the freedom to choose how and where you want to live when you need assistance.The financial landscape for funding this care has evolved dramatically. Traditional long-term care policies operated on a frustrating "use it or lose it" model with ever-increasing premiums. Today's hybrid policies offer revolutionary improvements: guaranteed benefits, one-time premium options, cash indemnity payments rather than complicated reimbursements, and even return of premium features.Andy and his guests also breakdown just how these policies work, with Lisa explaining the qualification process (inability to perform two daily living activities or having severe cognitive impairment) and the flexibility of receiving cash benefits you can use however you choose. The 90-day calendar elimination period aligns perfectly with Medicare's typical 100-day coverage, creating a seamless transition to long-term care benefits when needed.Perhaps most compelling is how these policies protect your legacy. Rather than potentially selling cherished family properties or depleting inheritance funds, these policies create dedicated resources that keep your estate intact. And unlike traditional policies, if you never need care, your premiums aren't lost—they return to your beneficiaries, often with interest.    This is a needed discussion with perhaps multiple members of your family and as always, Keeler and Nadler is proud to provide these valuable insights not just to our clients but to everyone.  The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Have you ever noticed how the discipline required to maintain physical health mirrors the discipline needed for financial success? This fascinating connection forms the foundation of our exploration into the parallels between physical and fiscal fitness.Andy and Mark dive deep into the striking similarities between wellness and wealth-building, revealing how mastery in one area can translate to success in the other. They share their personal fitness journeys—from Andy's nightly ice cream back in the day to Mark's not so friendly relationship with running for cardio — to provide relatable context in showing how consistent changes compound over time in both health and finances.The conversation uncovers powerful parallels: the "dietary budget" concept showing how proportions of nutrients mirror the balance between expenses, savings, and taxes. The critical role of diversification in both exercise routines and investment portfolios plus the compound effect where small daily decisions create dramatically different outcomes over decades. Perhaps most compelling is their discussion of hormonal and psychological responses that drive behavior in both domains. From the ghrelin hormone affecting appetite to the dopamine rush of investment gains, understanding these mechanisms helps explain why maintaining discipline can be challenging in both fitness and finance.At its heart, this episode asks a profound question: What's your "why" behind pursuing both health and wealth? As Andy points out, "What good is money if you're not around to enjoy it?" The most sustainable motivation comes not from vanity or comparison, but from deeper values like being present for loved ones and maintaining independence as you age.Whether you're fiscally savvy but physically struggling, or health-conscious but financially disorganized, this episode offers practical strategies to leverage strengths in one area to overcome challenges in the other. Join us to discover how the principles that build strong bodies can also build robust portfolios.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

After two years of exceptional market returns exceeding 24%, volatility has returned with the S&P 500 entering correction territory—down approximately 10% from recent highs. But before you hit the panic button, our panel of financial experts offers invaluable perspective that might change how you view this downturn.Did you know the average intra-year market decline is actually 14%? That's right—in a typical year, the market drops 14% at some point, yet still finishes positive 75% of the time. What we're experiencing now isn't just normal—it's below average volatility. This "detox downturn" follows what host, Andy Keeler, calls the "cocktail party" of unsustainable returns we've enjoyed recently.For those with balanced portfolios, there's even better news. After a challenging 2022 when both stocks and bonds declined, bonds are finally doing their job again as portfolio stabilizers. Clients with 65/35 allocations (stocks/bonds) have seen minimal impact compared to the broader market's decline. As one client aptly put it: "The thing to remember is stay calm and be patient."Our panel shares compelling evidence for staying invested through market turbulence, including a startling case study of a client who missed a 15% market gain in just three days by trying to time their exit and re-entry during the 2020 COVID crash. Even more reassuring: if you had the terrible luck to retire in January 2000—right before two 50% market crashes—a well-diversified 60/40 portfolio would have provided $1.8 million in income while still being worth over $1.5 million today.Remember Warren Buffett's sage advice: "For 240 years, it's been a terrible mistake to bet against America, and now is no time to start."    Join Andy, Abby, Jessica and Mark for this timely discussion on navigating market volatility with confidence and perspective.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Are you curious about leveraged ETFs (exchange-traded funds) and their potential to amplify returns? Or amplify your risks?  Andy and Mark delve into the mechanics of these financial products, breaking down how they aim to provide returns that are two or three times that of indices like the S&P 500 and NASDAQ.   Sounds attractive, right?  However, we uncover the hidden risks and complexities that are typically overlooked.Join us as we explain how leveraged ETFs operate, clarify common misconceptions around their performance, particularly the idea that gains and losses are consistently multiplied. The reality is this — volatility can lead to unexpected outcomes, making these investments riskier than many believe.Andy and Mark also discuss investor psychology and how turbulent market conditions can affect decision-making. If you're an investor considering leapfrogging into leveraged ETFs, this episode is a vital resource.  It equips you with the knowledge to make informed choices.  So listen, gain valuable insights, and explore whether leveraging is a fitting strategy for your investing journey.    Don't forget to subscribe, share, and leave a review!The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Unlock the secrets of turning financial complexity into clarity from our full-house of experts, led by host, Andy Keeler, along with his team: Abby Rose, Jessica Hultberg, and Mark Beaver. Abby shares an intriguing tale of how strategic tax planning converted a looming tax bill into a surprising (and large) refund, illustrating the power of diligent oversight.   Jessica delves into the nuances of Medicare premium planning and stresses the critical need for modernizing estate planning documents to avoid costly pitfalls.   Mark talks about diving into social security regulations that can really affect your benefits.   But here's the thing; everyone at Keeler & Nadler goes beyond just expertise.   Mark went with his client to the Social Security office locally after hitting a roadblock online.   At a clients' invitation, Jessica went to their home to talk to their daughter about colleges, options and cost.    And maybe the gold star goes to Andy who'll do everything from run numbers on car leasing versus buying when a client is at the dealership to going belly-first under a clients' home to inspect the foundation.Financial planning isn't just about 'the numbers' —it's a holistic approach akin to a doctor treating a patient. We explore how investment management, tax strategies, estate planning, and risk management are all tightly intertwined. Through these personal stories, we uncover the emotional depths of guiding clients through life-altering events ranging from empty nesting to divorce.  That's really important in understanding every facet of a client's life to offer personalized advice.In this conversation, we also emphasize the benefits of professional management of financial intricacies, especially in retirement. We discuss strategies to keep clients' income below thresholds to avoid higher Medicare premiums, ultimately saving them thousands. Even those with financial acumen can benefit from professional guidance, particularly in complex scenarios involving capital gains. Ultimately, the episode shines a light on the trust and value inherent in long-term client relationships compared to the impersonal nature of other firms that just focus on 'the numbers'. The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

So let's say you and your spouse are saving for a nice vacation that's still 18 months away.  We're talking Europe!  Or, a new model luxury SUV that just came out but you want to wait a year and let that new car depreciation decrease just a bit. (smart move!)  Either way, you want to save thousands of dollars over a 12 to 18-month period but you don't want it to just sit in a traditional savings account earning a whopping .10%.  That's not 10%, it's one tenth of 1%!   There's another 'but' here too.  But you don't want to invest in something too risky either because you're 100% going to Europe or buying that SUV!  Your host, Andy Keeler, has good news.  You have options to make it happen.   He and Keeler & Nadler's Investment Committee Leader, Mark Beaver, breakdown the whole world of money markets, CD's, bonds and even U.S. Treasury bills.   As Mark put it, these are short term, 'cash reserve vehicles' where your money can work for you while still minimizing risk.   And maybe you're asking, 'Wait, why not just put this cash with my stocks and mutual funds?'   They explain that scenario too.    So, listen to this episode first, make an informed, short-term plan for your cash and then start learning that foreign language for your trip or pick the color you want in that SUV.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Just how much of your nest egg are you willing to lose?   That's just one question to ask if you really want to invest in cryptocurrency.  This episode is the second of a two-part series where Andy and Keeler & Nadler's Mark Beaver do a deep dive on crypto.  The first part was essentially crypto 101:  what it is, what it isn't and its future as a form of currency.  This episode is dedicated to its relevance as an investment.  If you follow this stuff, it's true, perhaps the greatest investor of our time, Warren Buffett, has invested in digital currency.   But as always, perspective is key.  The amount of that investment for his company, Berkshire Hathaway, is about 1/10th of 1% of its total portfolio.  A drop in the Berkshire bucket.   As Andy and Mark discuss, when it comes to crypto, you have to ask yourself some serious questions to put hype and ego in one corner and facts and sound judgment in another.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

How's this for a couple of fun financial facts?  The United Nations recognizes exactly 180 currencies worldwide.    A lot, right?   From the Czech Koruna to the Danish Krone, the Botswana Pula to the Mexican Peso.     The currencies are backed by government entities for both credibility and value.  Now what if we told you there are currently more than 20,000 forms of cryptocurrency and the entities backing them aren't so crystal clear.   In fact, one of those, Bitcoin, was reportedly invented in 2008 by Satoshi Yakamoto but Satoshi's identity has never been confirmed to this day, and it's widely believed the name was a pseudonym for a company or organization.   With so many 'Financial Trends of 2025' stories out there putting cryptocurrency near or at the top of the list, Andy thought it would be a good idea to do some basic level-setting here:   First of all, what is crypto and how does it work?    That's exactly what he and Keeler & Nadler's Mark Beaver talk about in this episode.  And later in January, part II is coming to discuss whether crypto is a good investment.   First things first though, let's define it and talk about some serious unknowns and the volatility associated with digital currencies. The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Whether it's legendary investor Warren Buffett, local billionaire Les Wexner or the low-key guy next door who just paid cash for a snazzy retirement beach condo, wealth builders of all stripes typically have three investment avenues to quote 'get there'.   They are:  owning a business, investing in stocks and investing in real estate.    Yes, there are other ways to make money and yes, you have to be disciplined to make proper investments but by and large, it's one, two and/or all three of these avenues that pave the financial way.   For episode 15 of Financial Opportunities Uncovered, we switch the chairs around as Mark Beaver swoops in as host and asks Andy about his 30 years in the business.   For both of these guys, who love football, coaching axioms can apply to financial planning too.  (It is college football playoff season after all!) Mark's high school coach said, 'Stick to the basics.'   Legendary college coach Nick Saban always preached to players, 'Do your job'.   Those words also align with one of Andy's core principles; 'Do more of what you do best.'   In essence — don't get distracted — whether it's all the other players on a field or all the other 'golden' financial opportunities that may be anything but.     The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Did you know 38% of college students transfer to different schools?   When they do, the cost goes up, on average, $14,000 to eventually get that degree.   (And of that 38%, 46% of them will transfer again!)  So, choosing the right school the first time saves dollars but also saves worry and anxiety for both the student and parents.   Cozy Wittman of College Inside Track is back to join Andy for another valuable conversation about finding the right fit for your future college student.  Fit, according to Cozy, has multiple layers:  academic, social and financial fit.    As she likes to say, 'college is a match to be made not a prize to be won.'   She and Andy break down those layers of 'fit' for both parents and students and discuss ways to have family conversations around all three, too.   Plus, Cozy helps young students who might not have a clue what they want to major in.   She provides tools and assets to explore to help ease the anxiety around those decisions.   After all, 80% of college students change their majors so you want to make sure your young student is able to do that with relative ease, with no uptick in costs and with the overarching goal of staying in school.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

According to CNBC, the average cost of auto insurance rose more than 25% this year.  In some states, that number was 40%!  Many homeowners saw double-digit premium increases this year, too.    So, what's going on?   It's not just inflation driving up costs;  it's more extreme weather patterns for homeowners and more accidents and more complex cars for drivers.   But maybe you're saying, 'Wait, we don't live in the hurricane zones of Florida or deal with wildfire threats in California'.  That's true, but the Midwest is experiencing more convective storms that deliver damaging hail and deadly tornadoes.   Whether it's your home or the car in your driveway or both, now more than ever, you need an insurance professional guiding you.  If you think about it, it's similar to investing (with a pro, we might add), in that insurance is about managing risk and managing money to set aside for a calamity.   For episode 13, Andy welcomes Matt Dowds from USI Insurance Services.   They cover the whole gamut:  home, auto, umbrella policies and how to find your comfort level in a rapidly changing industry that demands expertise, knowledge and proper guidance from a fiduciary.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

It's estimated there are 2200 cyberattacks every day and that's likely under-reported.   You see the headlines of hackers getting into government departments, email servers and demanding ransom payments.    But the notion breaches are coming from guys sporting hoodies, living in dark basements and hacking into the FBI is largely the stuff of Hollywood.   We now know entire nations are sponsoring this kind of illegal activity and it's also coming from normal (yet hard to trace) conference rooms all across the globe.    To help all of us steel - not steal - ourselves in this ever-changing environment, host Andy Keeler talks with President and CEO of FinGarde, Mark Linton.    So, what's the one thing, to start with, Mark suggests in keeping the bad guys out of our emails, for example?   Multi-factor authentication.     Plus, Mark and Andy discuss what to do if the bad guys break through and your company gets hacked.    Welcome to episode 12 of Financial Opportunities Uncovered!The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

 While financial planners tend to be prudent and make evidence-based decisions on the wealth management side, we'll take $50 to Vegas that you didn't know this one;  the consumption of straw hats was a marker for inflation in the early 1900's.    Today, those markers include everything from computers and cars to clothes and cell phones.  Inflation has been a constant in just about every business and economic story since the pandemic.   After all, prices have gone up on most things.   There were fears wages wouldn't keep up with inflation.  Largely, they have.  The U.S. economy has also defied fears of a recession for several years now and rising inflation has been a big part of that whole discussion.    So, Keeler and Nadler's Andy Keeler thought it would be a good time for some 'Inflation 101'.    This discussion, along with Keeler and Nadler's Mark Beaver, requires several things:  historical context, defining things like GDP and CPI, some myth-busting and as with many factors related to wealth management — nuance and expertise.  It's all right here in Episode 11 of Financial Opportunities Uncovered.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

'I'm going to see my estate attorney later today'  would likely come across as a very bougie thing to say to your next-door neighbor as you cross paths mowing the yard on a Saturday.   Yes, 'estate planning' has an air to it of gated mansions, manicured lawns, and brick-paved driveways but the truth is, if you own any home and have some savings, you have an estate.    And if you have others living in said home - children, family members and/or a spouse - you want to protect your assets and those you love, right?   That's what this episode is all about.  Your host, Andy Keeler, welcomes estate planning expert and attorney, Bill Root.   Andy and Bill dive into subjects like wills and trusts and specifically, what they do and don't do.  It often comes as a surprise that assets passing under a will guarantee the delays and expense associated with probate.  Plus, there are legal considerations surrounding your health care to think about.   Additionally, if you have minor children and have established guardianship with a loving family member, that's great.  But what if Uncle Larry isn't so great with a checkbook?   You can (and should) make provisions for that as well.   No matter how big or small, your 'estate' is YOURS and certainly worth protecting. The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

The MIT Age Lab says we have a 'longevity paradox' which actually derives from a good thing.  What has humankind tried to achieve since the beginning of time on earth?  Extend our time on earth.   Now that we're living longer, research shows we don't really know what to do with all the extra time.   MIT has created a model of 4 phases of life divided into 8000 hours per phase - Learning, Growing, Maturing and Retirement.  Your host, Andy Keeler, talks with John Diehl of Hartford Funds about each of these phases and what all of us can learn from each one.   Since millions of people are living longer, the way we live, the services we want, the products we buy and the infrastructure we need is changing in real time.   That means it's changing for you, too, no matter how old you are.  And as you'll hear from John, even if you already hit the first retirement phase and your script still isn't written, that's okay.   You likely have time to keep writing it!   The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Sociologists tell us our cars depict our personalities, our likes and even our values.  Well, a premiere college advisory expert wants you to think about the type of car you are when thinking about college for you or your kids.    It makes sense if you think about it; do you want a university with some pizazz, a little glitz and glamour?   Or is that college degree about getting from point A to point B as reliably and inexpensively as possible?  Starting to make sense, right?   Andy Keeler talks with Cozy Wittman of College Inside Track who was recently featured in Barron's Magazine and was also a featured speaker at Barron's Team Summit in Las Vegas.   Cozy has helped thousands of families through the maze of schools, standardized tests, forms and deadlines.    Are you asking the right questions:  is this school both an academic fit and social fit?   Is it a good value for my dollar?    80% of students change their major so what's the b-plan if my kid does too?   Plus, there are big changes to FAFSA and financial aid that every parent and college student should know.   We break it all down in episode 8 of Financial Opportunities Uncovered!The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Our podcast host and founder of Keeler and Nadler, Andy Keeler, comes clean in the episode too.   As you'll find out and come to know, Andy collects and loves old cars.  Well, a recent negotiation to sell one didn't go so well.   Enter - Kwame Christian.  Actually, Andy's example is just one of many discussed in this episode.  Kwame hosts the #1 negotiation podcast and excitedly shares his tried, true and tested methods.  He has three pillars of negotiating plus shares his experiences on whether you should be assertive or aggressive in a negotiation.   He and Andy discuss how not to negotiate against yourself whether you're .. ahem .. selling an old car or going for that big raise with your boss.    You may be surprised to hear Kwame's take on who's a better negotiator - the extrovert or the introvert?   Plus, Andy isn't the only one who comes clean here; Kwame admits these are skills he had to learn over time and you can too!   Welcome to episode 7 of Financial Opportunities Uncovered.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

That one thing to find deals on travel is simple - put in the work.   But don't worry, not only do we have a guide to finding those deals in this episode, we have a guide at Keeler and Nadler.   CFP, Jessica Hultberg, has been snagging travel deals since she was in college and for years since on flights, vacations and hotels.   She loves this stuff!    She and Andy talk credit cards, travel cards and how to work the 'points' system to your advantage.  Plus, don't forget savings from grocery and retail store cards and apps.   Jessica saves money for her family every month on groceries and gas with digital coupons and by shopping smartly.   She also walks our listeners through the thicket that is saving money on your electricity bill.  It can be done!   Now, as we all know, just about anything dealing with credit requires discipline, willpower and responbility.  Andy and Jessica talk about that plus the pitfalls of not reading the fine print.   Again, it takes work but the deals are there.     So grab your sunscreen, flip flops and beach towels - there are travel savings to be found on land, water and in the air!   The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

 We've all seen the commercials on cable TV, heard them on the radio and yes, there are even podcasts dedicated to investing in gold.  In those :30 commercials, the verbiage often goes something like this, "Protect yourself against the churn of world events and the up-and-down stock market with safe, secure precious metals like gold..."    So, should you?   Plus, what's the return on the investment from gold compared to stocks and mutual funds?    For this episode of Financial Opportunities Uncovered, Keeler and Nadler's Andy Keeler and Mark Beaver take a deep dive not just in the numbers but the years; they look back at the origins of gold investments and how they've performed relative to other investments over the long haul. No matter how slick any financial commercial may be, there's no substitute for data, historical trendlines and proven expertise when it comes to your investments.    The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

If you have ever had buyers remorse or felt guilty after eating that bowl of ice cream before bed, Episode 4 of Financial Opportunities Uncovered is a must listen.  Join us as our guest, Dr. Drew Hanks, Associate Professor of Human Sciences at The Ohio State University, explains how we can prevent ourselves from making decisions we might later regret.  From “winning” the bid at an auction, to negotiating for a higher salary, Dr. Hanks shares strategies and concepts like "decision architecture" that help us achieve the results we seek.  Learn how Ghirardelli and others influence our buying behavior, how to maximize the profits on the sale of your home and how you can get a better deal on your next car purchase. The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

In 1924, the Dow Jones Industrial average hovered around 90 much of the year.   That's not a typo.  Fast forward 100 years and it broke 40,000 a few weeks ago.    It's a number that moves markets, captures worldwide headlines and can even shape political campaigns.   And yet, the Dow is only comprised of 30 companies.  30 LARGE companies but 30 nonetheless.   Keeler and Nadler's Andy Keeler and Mark Beaver do a deep dive on the history and performance of the greater stock market over the last century.   Woolworth and American Sugar are long gone on the Dow 30 and no one would have guessed a century ago, a piece of fruit (Apple) and a soda (Coca-Cola) would be there today.    As Andy and Mark know well and as you're about to hear, what has weathered the up's and down's is this axiom - it's not about timing the market, it's time in the market.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Mollie Steiner knows a lot about health, fitness and longevity to life.   She also knows a lot about being grateful for all three.  She's an amazing athlete herself and has motivated and taught thousands of people in fitness classes over the years.    Today, she brings her knowledge, energy and vision to the City of Dublin as Recreation Administrator for Corporate and Community Wellness.    As a financial planner and a person dedicated to fitness, too, I often say it's tragic when people work really hard to save for a great retirement but don't live long - or healthy enough - to enjoy it.   Staying active plus a good diet are proven factors to longevity but as you're about to hear from Mollie, some things are out of our control.  Like cancer.   The disease struck her child and thus her family.   At the same time, another child, Abby, was setting records on the soccer field and on the track.   Fast forward to this summer and Abby is gunning for the Paris Olympics!      Mollie discusses it all:  from one daughter beating cancer to another one beating the competition.   Plus, we discuss Blue Zones and why Mollie and other experts say these regions around the world may hold the keys to living longer.  And to that end, I ask Mollie if the dreaded 'burpee' is the one of those fitness keys.    (Hint:  Mollie thankfully offers burpee modifications!)      The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Can you believe back the in the day, I'd fill out a tax return with a No.#2 pencil first and snail mail it back to the IRS?   Okay, I'm not ancient but I have a little gray hair and that's a good thing because I've seen a couple of decades worth of financial planning do's and don'ts.  I'm Andy Keeler and I lead Keeler and Nadler Family Wealth and we're really excited to launch this episode 1!  I say *we* because you, our listeners, will to get to know the incredible expertise we have in our office and it begins with guest #1 - Abby Rose.  She's a CFP and Certified Public Accountant and we discuss a lot in this episode from planning for retirement, social security and Medicare changes to yes - Abby helped one of our clients to avoid a $28,000 tax mistake!   Welcome to 'Financial Opportunities Uncovered!    The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.