Nexus Insights - Hosted by Investment Advisors Robert Montes, CPFA® and Josie Allred

Welcome to the Let’s Talk Wealth Podcast, where hosts Robert Montes and Josie Allred dive into the stories that inspire success and explore what it means to create a rich and fulfilling life. 🌟 In this episode, we’re thrilled to have sit down with John 'JW' Allendorf and talk "down old memory lane". We could have talked for 3 hours more about his life growing up, hitch hiking throughout the USA, going to Vietnam, his wife, and so much more! Very inspirational man with a lot of wise words to say. Get ready for an engaging conversation that covers everything from thriving in life, love, and respect with this episode. Special thanks to Weezle Marketing for producing this episode and helping us bring these impactful stories to life (Weezle.com) Subscribe now and join us as we explore the journeys of incredible individuals like John 'JW'. Let’s talk life, let’s talk balance, and most importantly, Let’s Talk Wealth! LetsTalkWealthpodcast.com

Welcome to the Let’s Talk Wealth Podcast, where hosts Robert Montes and Josie Allred dive into the stories that inspire success and explore what it means to create a rich and fulfilling life. 🌟 In this episode, we’re thrilled to sit down with Ty Hobbs, a dedicated dad, passionate supporter of Montana Grizz Sports, and expert in the world of real estate right here in Missoula, Montana. Ty shares his unique perspective on balancing family, business, and his love for sports while building a life full of purpose and connection. Get ready for an engaging conversation that covers everything from thriving in the real estate market, lessons learned on the field and in life, and how Ty defines true wealth beyond dollars and cents. Special thanks to Weezle Marketing for producing this episode and helping us bring these impactful stories to life (Weezle.com) Subscribe now and join us as we explore the journeys of incredible individuals like Ty Hobbs. Let’s talk life, let’s talk balance, and most importantly, Let’s Talk Wealth! LetsTalkWealthpodcast.com

Welcome to the Let’s Talk Wealth Podcast, hosted by Robert Montes and Josie Allred, where we explore what it really means to live a rich and intentional life.In this episode, we’re joined by the incredible Natalie Buchman, a teacher, wife, and mother based in Missoula, Montana. Natalie shares her journey of balancing the multifaceted roles of educator, partner, and parent, while pursuing her own version of wealth and fulfillment.Together, Robert and Josie dive into an inspiring conversation with Natalie about the challenges, triumphs, and lessons learned as she builds a meaningful life centered around family, community, and personal growth.If you’re looking for real stories, heartfelt connections, and actionable insights to help you define wealth on your own terms, this episode is for you. Don’t forget to like, comment, and subscribe to join us on this journey of discovering what truly matters.Tune in and let’s talk wealth!

Estate Planning Basics with Attorney Natalie Black (Worden Thane) | Wills, Trusts, Probate & Powers of Attorney (Note : Not official legal advise)On this episode of Lets Talk Wealth Podcast, host Robert and co-host Josie talk with Natalie Black, a partner at Missoula law firm Worden & Thane, about her path from law school intern to partner and her “work hard, play hard” philosophy. Natalie explains core estate-planning documents—wills, trusts, powers of attorney, and living wills—why powers of attorney matter even for young adults, and how failing to plan can trigger costly guardianship/conservatorship proceedings. The conversation covers probate in Montana, strategies to avoid it (beneficiary designations, joint ownership, transfer-on-death deeds, and trusts), and why beneficiary designations can override a will. They compare Montana practice to “big law,” discuss revocable vs irrevocable trusts (including estate-tax and specialized needs planning concepts), touch on UTMA and 529 considerations, and highlight real-world scenarios involving incapacity, family conflict, and fraud risks. ( Note : Not to take this as official legal advice )00:00 Welcome to the Lets Talk Wealth Podcast00:40 Work Hard Play Hard03:24 Becoming a Law Partner05:17 Why Law School09:39 Standing Out in Interviews16:34 Big Law vs Montana Practice21:59 Choosing Estate Planning27:30 Estate Planning Basics32:31 Recruiting Drive to MEPS33:01 Wrong Way Crash Scene34:04 First Responder Aftermath34:53 Estate Planning Cost Reality36:07 Holographic Wills Explained37:44 Power of Attorney Pitfalls39:56 Beneficiary Designation Nightmares43:34 Why Beneficiaries Override Wills46:15 Probate Process Breakdown51:38 Guardianship for Minor Kids55:57 UTMA and 529 Tradeoffs59:36 Changing UTMA Needs Court01:02:53 Parenting Tangent and Control01:05:09 Control in Marriage01:05:57 Trust Basics Explained01:07:13 Revocable vs Irrevocable01:09:53 Estate Tax Gifting Trusts01:12:52 State Laws and Community Property01:15:39 Prenups and Protecting Wealth01:25:56 Medicaid Trusts and Lookback01:28:24 Corporate Trustees and Compliance01:31:55 Special Needs Trusts01:33:23 Medicaid Workarounds Reality01:33:54 Estate Planning Priorities01:35:13 Power of Attorney Basics01:35:57 Living Wills and Trusts01:37:09 Durable vs Springing POA01:39:13 Limiting Authority and Fiduciary Duty01:42:43 Undue Influence Red Flags01:45:46 Challenging Capacity in Court01:47:55 Scams and Advisor Intervention01:52:27 Stewardship and Value Mindset01:56:16 How to Connect and Wrap Up( Disclaimer : This podcast is for general information and educational purposes only. This is not official legal or wealth advice)

In this episode of Lets Talk Wealth Podcast, the host welcomes friend and jiu-jitsu training partner Sam Alderson, sharing stories from early rolls and Sam’s long-running dominance on the mats. Sam explains the biggest positive impact in his life: learning to be a good friend to yourself—honest, helpful, and kind rather than self-tyrannical. He discusses growing up in Montana, disliking school, and finding his path as an artist, including glassblowing and later using Instagram to build his business. Sam connects American pipe-making glass culture to MMA, and outlines his views on discipline, creativity, and avoiding reliance on AI for thinking or art. He reflects on his grandfather's influence, his approach to learning and teaching jiu-jitsu, and what he hopes to teach his son Remy. He closes by sharing where to find his work: Alderson Studios on Instagram and aldersonstudios.com. Sponsored by Nexus Wealth

In this episode of Nexus Insights, Robert and Josie interview Tami Sparks, a leader in the Biz to Biz business development group and a consultant who helps small businesses grow through training, systems, and personality-based communication. Tammy shares her core message—growth mindset, an insatiable desire to improve, and tenacity—rooted in a difficult upbringing, the influence of her grandparents’ consistency and hard work, and a decision to seek counseling at 16 to break negative patterns. She discusses trauma, grief, and resilience, including the death of her first husband by suicide and the impact on her children, and emphasizes self-reflection and personal responsibility for thoughts and reactions. The conversation covers Biz to Biz’s shift toward mentorship and skill development, chapter revitalization, and how DISC-style personality assessments and role alignment can improve teams and leadership. Don't miss this episode with Nexus Wealth Management. Follow Tami at Instagram.com/tamibeichsparks https://www.linkedin.com/in/tami-beich-sparks/ https://beastyourbizmt.com/speaker/tami-beich-sparks/

Active vs Passive Investing in 2026 + AI, Anxiety, Buying a House, and Building Real Financial Security | Nexus Insights | Letstalkwealthpodcast.com | Sponsored by Nexus Wealth Management Robert Ellington-Montes and co-host Josie Allred (Here in Missoula, MT) record a recap episode of Nexus Insights after a guest cancels, reflecting on markets since the end of 2025 and themes heading into 2026. They discuss passive versus active management, citing SEI Private Trust’s all-equity strategy finishing around 24% versus the S&P 500 near 17.9% in 2025, and argue volatility and abundant information (including AI tools like Grok) may favor active managers. They address doomscrolling, decision paralysis, and fear-driven moves like buying physical gold, highlighting long drawdowns, markups, and custody constraints in IRAs. The conversation expands to younger adults’ challenges buying homes, building credit, budgeting with tools like Monarch, delayed gratification, and career/income growth through systems and daily focus. They cover foundational planning steps: emergency funds, debt payoff, capturing 401(k) matches, basic investing defaults like target-date funds, plus life insurance, estate documents, and resilience through health and “doing hard things.”