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, complex...

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 mat...

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 ...

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 wi...

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...

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...

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-t...

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 ...

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 pa...

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 m...

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 inve...

(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 s...

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 pa...

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...

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 ba...

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 ...

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, c...

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 doc...

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%! ...

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 tr...