Catholic Money Mastermind - Financial Planning conversations with Catholic CFP® Practitioners

Today, Ben Martinek and financial planners Mike Acosta and Ujae Kang explore the emotional and financial complexities of preparing for retirement, emphasizing that while data and planning tools are essential, much of the work involves helping clients overcome fear, uncertainty, and guilt around spending. They discuss how financial advising often becomes a form of counseling, addressing identity, purpose, and emotional readiness as much as monetary logistics. The advisors stress the importance of proactive and adaptable planning, noting that while market turbulence is inevitable, a well-structured plan—grounded in trust and sometimes faith—can help clients navigate it with confidence. Drawing from both professional experience and Catholic values, they advocate for a mindset of anti-fragility: using life's disruptions as opportunities to grow stronger. The episode concludes with encouragement for listeners to seek out trusted advisors and make retirement decisions that align both with their financial means and personal goals.Key Takeaways:• Retirement planning is both a financial and emotional journey, requiring attention to numbers and deeper personal motivations.• Advisors act as both planners and counselors, helping clients navigate emotional hurdles like fear, guilt, and uncertainty around spending.• Clients often need “emotional permission” to use their own money, especially in retirement, where spending can feel threatening to their identity or security.• Asking thoughtful questions is central to the advisor's role, uncovering concerns and desires that might otherwise remain unspoken.• The financial planning process often reveals unspoken emotional and psychological concerns, especially during major life transitions.• Planning for retirement isn't just about having “enough” money, but about knowing what that money is meant to support.Key Timestamps:(00:00) – Discussing Life Transitions and Retirement(03:15) – Financial and Emotional Aspects of Retirement(06:20) – Challenges and Considerations in Retirement Planning(08:37) – Client Stories and Real-Life Examples(11:36) – The Importance of Spending and Enjoying Retirement(25:43) – Overcoming Fear and Building Fortitude(36:29) – Concluding Thoughts and Contact InformationKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and financesMentions: Website: https://www.genesiswealthplanning.com/ LinkedIn: https://www.linkedin.com/in/michaelracosta/ Website: https://uakdiversified.com/ LinkedIn: https://www.linkedin.com/in/ujaeaugustinekang/ More of Catholic Money Mastermind:This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.  Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Genesis Wealth Planning and opinions stated are their own.  Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value.  Michael Acosta is a Registered Rep

Today, I sit down with Jonathan Reich, a financial advisor at Global View Capital Management and a new member of the Catholic Financial Planners Network. Jonathan shares his journey from working in high-volume client service roles at Fidelity and Equitable to finding a more fulfilling path in personalized financial planning. We dive into tactical asset allocation, a strategy designed to minimize volatility and enhance risk-adjusted returns by dynamically adjusting investments based on market conditions. Unlike traditional strategic asset allocation, this approach uses market-driven stop losses to protect clients from downturns like those seen in 2008 or during the COVID-19 crash. We also discuss leveraging ETFs and options to amplify market positions and the importance of using key indicators to guide investment decisions. Beyond finance, Jonathan reflects on the importance of living with intentionality—balancing financial goals with faith and family, and ensuring that financial success doesn't overshadow deeper values. We wrap up by encouraging listeners to seek financial advisors who align with their beliefs and long-term priorities.Key Takeaways:• Tactical asset allocation adjusts investments based on market conditions, while strategic asset allocation maintains fixed percentages and periodic rebalancing.• Tactical strategies use market indicators to exit positions before significant downturns, protecting clients from major losses like those in 2008 and the COVID-19 crash.• Reducing financial stress through proper planning allows for a more balanced, fulfilling life.• Tactical asset allocation focuses on long-term market trends rather than making daily trades.• Being part of a values-driven financial network, like the Catholic Financial Planners Network, ensures alignment between financial guidance and personal beliefs.• While money is useful, true fulfillment comes from faith, purpose, and meaningful relationships.Key Timestamps:(00:00) – Who is Jonathan Riesch?(05:27) – Understanding Tactical Asset Allocation(06:58) – Risk-Adjusted Returns Explained(15:12) – The Importance of Time-Weighted Returns(19:38) – Signals for Tactical Asset Allocation(26:42) – Mentorship and Life PhilosophyKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and finances, Jonathan Riesch, Tactical Asset AllocationMentions:Website: https://gvcmanagement.com/More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members.https://catholicfinancialplanners.com/members/Are you a Financial Advisor who is serious about the Catholic Faith? Join our network and email info@catholicfinancialplanners.com

Today we're joined for a roundtable discussion with Anthony Guzman and Phil Francois to explore the fundamentals of investing, including employer-sponsored retirement accounts, risk management, and investment strategies that align with personal values. We distinguish between investing and gambling, emphasizing that while both involve risk, investing is strategic and based on positive expected returns. Key principles such as diversification, market participation, and moral screening help build a sound investment strategy while mitigating risk. Opportunity cost plays a crucial role in investing, as conservative strategies offer stability but may not keep pace with inflation, making a balanced approach essential. Ultimately, investing should be goal-oriented, tailored to different life stages, and focused on both financial growth and thoughtful spending. We conclude with practical steps: assessing current strategies, ensuring alignment with long-term objectives, and seeking professional guidance when needed.Phil Francois is a Certified Financial Planner and founder of Foundation Wealth Planning, dedicated to helping families and business owners navigate financial complexities with a faith-based approach rooted in biblical principles. Anthony Guzman is a fiduciary financial planner dedicated to helping families and individuals achieve peace of mind through holistic financial planning, guiding them to make prudent decisions and steward their resources wisely.Key Takeaways:• Financial decisions should reflect personal beliefs, whether through faith-based stewardship or ethical investing.• A comprehensive financial strategy considers not just investments but overall life goals, risk tolerance, and family priorities.• Spreading investments across different assets helps mitigate risk and enhance long-term stability.• Effective financial planning involves optimizing what God has provided to support family, community, and faith-driven goals.• True financial well-being comes not just from accumulating wealth but from thoughtful spending and alignment with values.• A trusted advisor helps align financial strategies with personal and family objectives.Key Timestamps: (00:00) - The Basics of Investing and Money Management(03:49) - The Importance of Diversification in Investing(13:16) - Managing Risk and Reward in Investments(19:35) - Fine-Tuning Your Portfolio(35:46) - Practical Tips for Managing Your InvestmentsKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and finances, gambling vs investing, risk, inflation, diversification, investment portfolioMentions:Anthony's Website: https://www.pioneerwealth.com/Phil's Website: https://www.foundationwealthplanning.com/ More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members.https://catholicfinancialplanners.com/members/Are you a Financial Advisor who is serious about the Catholic Faith? Join our network and email info@catholicfinancialplanners.com

Today, we feature Logan Moore, who is a CFA charterholder from Kansas City, who shares his expertise on alternative investments and his professional journey. Logan discusses his experience managing high-yield municipal bonds, transitioning to commercial real estate, and co-managing a fund focused on real estate syndications. Alternative investments, which include real estate, private equity, and venture capital, offer potential for higher returns but involve greater risk, complexity, and limited liquidity, often requiring accredited investor status. Logan helps investors and advisors conduct due diligence and integrate alternatives into portfolios, with expected returns typically ranging from high single digits to high teens based on the investment type. The discussion emphasizes the need for guidance in this complex space, the importance of diversification, and the value of faith-based investing, underscoring the collaboration between specialists like Logan and financial advisors to make informed decisions.Key Takeaways:• Specialized advisors, like Logan, collaborate with financial planners to guide investors through the complexities of alternative investments, ensuring decisions align with long-term goals and risk tolerance.• Logan's professional journey from municipal bonds to real estate and beyond.• The variety of alternative investments available, like venture capital, private equity, and real estate.• Logan emphasizes the role of values and faith in investment decisions, highlighting the importance of aligning financial goals with personal beliefs.• Alternative investments typically involve greater risks and reduced liquidity but offer the potential for higher returns, often ranging from high single digits to high teens, with returns reflecting the level of risk. • Fees, taxes, and potential risks are pivotal factors in evaluating alternative investment opportunities, underscoring the need for comprehensive due diligence.Key Timestamps:(00:00) - Meet Logan Moore, CFA(02:12) - What is the CFA Designation?(12:50) - Exploring the World of Alternative Investments(29:00) - Balancing Risk and Return(39:56) - Connecting with LoganKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and finances, alternative investing, Alts Eval LLC, real estate investing, high net worth investing, venture capital, startup investing, CFA, Chartered Financial AnalystMentions:Website: https://altseval.com/More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members.https://catholicfinancialplanners.com/members/Are you a Financial Advisor who is serious about the Catholic Faith? Join our network and email info@catholicfinancialplanners.com

Today, I'm joined by Kevin Reardon and Deb Meyer to discuss how emotions, societal pressures, and behaviors shape our financial decision-making, especially as Catholics. We explore how fear, greed, and herd mentality can lead to poor financial choices and stress the importance of discipline, diversification, and aligning our actions with core values and faith. Drawing from personal stories, we emphasize the value of creating a clear, personalized financial plan to resist consumer-driven urges and external expectations, like "keeping up with the Joneses." As financial advisors, we see our role as fostering accountability, promoting long-term financial health, and helping clients strike a balance between enjoying life now and securing their future—all while trusting in God's providence to guide the journey.Key Takeaways:• Asking “Where is God in my financial planning?”• How to avoid get-rich-quick schemes.• Consideration of how different emotions may play into your financial plans.• How to choose your influences and avoid “keeping up with the Joneses.”• What values you should outline for your finances and how to include faith.Key Timestamps:(00:00) - Emotional Influences on Financial Decisions  (02:44) - Fear and Greed in Financial Planning  (06:35) - Personal Stories of Financial Mistakes  (12:07) - Marketing and Peer Influences  (22:05) - The Importance of Having a Financial Plan  (29:26) - Accountability and Support in Financial Planning  (35:21) - Conclusion and Contact Information  Key Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and finances, Deb Meyer, Kevin Reardon, consumption, get rich quick, keeping up with the JonesesMentions:Deb's Website: https://www.worthynest.com/ Kevin's Website: https://www.shakespearewm.com/  More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members.https://catholicfinancialplanners.com/members/Are you a Financial Advisor who is serious about the Catholic Faith? Join our network and email info@catholicfinancialplanners.com

Today, Brian Wayne from LifeGuide Financial Advisors joins Ben Matinek to explore integrating Christian principles into financial planning, emphasizing faith, stewardship, and intentional living. Drawing on themes such as evangelical poverty, detachment, and trust in God's providence, the discussion highlights the importance of aligning finances with one's spiritual purpose. Inspired by examples like Rick Warren and saints such as St. Francis of Assisi, Ben and Brian underscore setting "financial finish lines" for spending and saving to foster generosity, spiritual growth, and contentment. They combine practical financial strategies with theological insights, encouraging Christians to view wealth as a tool for charity and service rather than accumulation, ultimately promoting lives centered on holiness and eternal impact.Key Takeaways:• Wealth is seen as a gift from God but requires detachment to avoid excess. Faith calls for a balance between providing for oneself and being open to charity.• These emotions often block openness to others and trust in God's providence, underscoring the need for sacrificial generosity and faith.• Greed focuses on acquiring more, while fear revolves around financial insecurity. Both hinder faith in God's providence and the ability to serve others.• A 10% tithe is viewed as a starting point for detachment and generosity, with openness to God calling for more.• This concept aligns with biblical teachings, such as the parable of the rich fool, emphasizing reliance on God rather than excessive storage or hoarding.• Figures like St. Francis of Assisi exemplify evangelical poverty, trusting in God's provision and focusing on holiness rather than worldly achievements.Key Timestamps:(00:00) – Brian Wayne from LifeGuide Financial Advisors(01:50) – Balancing Wealth and Holiness(05:00) – Incorporating Evangelical Counsels(07:12) – Poverty and Charity in Christian Life(09:32) – Practical Reflections on Wealth and Fear(13:54) – Examples of Saints and Poverty of Spirit(19:17) – The Greater Good of Detachment(22:12) – Practical Considerations for Financial Planning(23:40) – Establishing Financial Finish Lines(33:31) – The Savings Finish Line(37:34) – Christian Financial Goals(40:13) – Conclusion and Contact InformationKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and finances, Evangelical poverty, Brian Wayne, LifeGuide Financial Advisors, Charity, Greed and FearMentions:Website: https://lifeguidefa.com/team/brian-wayne/ Mentions: https://www.vatican.va/archive/hist_councils/ii_vatican_council/documents/vat-ii_const_19641121_lumen-gentium_en.htmlhttps://www.biblegateway.com/passage/?search=Matthew%205%3A1-12&version=RSVhttps://www.biblegateway.com/passage/?search=2%20Timothy%204%3A6-8&version=RSVhttps://www.biblegateway.com/passage/?search=Luke%2012%3A13-21&version=RSVhttps://www.youtube.com/watch?v=waHqUtpt2xgMore of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members.https://catholicfinancialplanners.com/members/Are you a Financial Advisor who is serious about the Catholic Faith? Join our network and email info@catholicfinancialplanners.com

Today we're joined by financial advisors Robert Franner and Tyler Myler to discuss strategies for long-term wealth accumulation, emphasizing the importance of starting early, automating savings, and maintaining consistent habits. They highlight the power of compound interest, using goals like saving $100,000 by age 30 to demonstrate how early contributions grow significantly over time. They share an example of a couple who built $2 million in wealth through steady savings, emphasizing that financial independence is achievable with discipline and personalized planning. The advisors also caution against overly aggressive saving, which can compromise quality of life, and stress balancing savings with lifestyle. For those pursuing substantial wealth, they suggest entrepreneurship or high-reward investments, while noting the risks involved. Ultimately, they advocate for gradual, realistic savings goals and encourage consulting financial advisors for tailored guidance.Key Takeaways:• Starting early with consistent saving is crucial for long-term wealth accumulation due to the benefits of compound interest, allowing smaller contributions to grow significantly over time.• Setting early financial goals, like accumulating $100,000 by age 30, can provide a strong foundation for future retirement funds and ease financial burdens later on.• A high but balanced savings rate, like 15% of income (especially with employer matching), is an effective way to build retirement funds without sacrificing current quality of life.• Caution is advised against overly aggressive saving, as it may lead to a scarcity mindset or compromise on living standards, impacting mental and emotional well-being.• A gradual, practical approach to saving is recommended, as drastic lifestyle changes can be challenging to maintain, and “braking” expenses later in life may be difficult.Key Timestamps:(00:55) Today's Topic: Accumulation Phase(02:21) Understanding Savings Rate(03:46) Wade Fowl's Research Insights(04:52) The Importance of Starting Early(09:47) Automating Your Savings(16:08) Achieving Financial Freedom Faster(20:38) Balancing Aggressive Saving and Enjoying Life(22:21) Personal Experiences with Saving Strategies(22:40) The FIRE Community and Different Saving Approaches(23:52) Challenges of Late-Life Saving(25:15) The Importance of Consistent Saving(32:43) Accumulating Wealth Through EntrepreneurshipKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and finances, FIRE, savings plans, wealth accumulating, entrepreneurshipMentions:Castellum Financial Advice: https://www.castellumfinancialadvice.com/QED Wealth Solutions: https://qedwealthsolutions.com/ Tyler: https://www.linkedin.com/in/tyler-meyer-cfp%C2%AE-clu%C2%AE-chfc%C2%AE-ricp%C2%AE-cltc%C2%AE-fscp%C2%AE-5bb9b994/ Robert: https://www.linkedin.com/in/franeriii/ Mentions: More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members.https://catholicfinancialplanners.com/members/Are you a Financial Advisor who is serious about the Catholic Faith? Join our network and email info@catholicfinancialplanners.com

Today, Ben discusses the intersection of philosophy and financial planning with Nick Shiver, a wealth advisor from Columbia, South Carolina. Both Ben and Nick hold master's degrees in philosophy, and their conversation explores how their philosophical backgrounds inform their current roles in financial advising. They reflect on the rigorous training in critical thinking and argumentation philosophy provided and its applicability to building comprehensive financial plans rooted in ethical considerations. The discussion also touches on how philosophical education serves as a solid foundation for personal and professional life, integrating rational inquiry with heartfelt guidance for clients. Through their exchange, they advocate for the value of philosophical education in enhancing communication, ethical reasoning, and holistic understanding in the financial sector, encouraging listeners to appreciate philosophy's broader impact beyond academia.Key Takeaways:• How does philosophy apply to financial advising?• Role of critical thinking and ethics in creating comprehensive financial plans.• Importance of clear communication in forming meaningful client relationships.• Reflection on philosophical questions related to truth, goodness, and human existence.• How seminary added to the formation of Ben and Nick's philosophical mindsets.• Why you should spend time thinking about your personal philosophies, and be encouraging your clients to do the same.Key Timestamps:(00:00) - Meet Nick Shiver: Wealth Advisor and Philosopher(01:30) - The Journey into Philosophy(02:49) - Philosophy in Seminary Life(04:51) - The Practicality of Philosophy(12:02) - Ethics and the Pursuit of Goodness(18:57) - Philosophy's Impact on Financial Services(24:56) - The Value of Philosophical Education(35:21) - Final Reflections and EncouragementKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and financesMentions:Website: https://www.calmwateradvisors.com/LinkedIn: https://www.linkedin.com/in/nick-shiver-296b9a76/More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members.https://catholicfinancialplanners.com/members/Are you a Financial Advisor who is serious about the Catholic Faith? Join our network and email info@catholicfinancialplanners.com

Ben, along with advisors Bryan Smalley, Lance Peters, and Charlie Horonzy, provide valuable insights into the world of financial advising. The discussion covers the daily life of financial advisors, the industry's various channels, client types, regulatory bodies, and the significant personal satisfaction derived from serving clients. They also explore the diverse paths to entering the financial services industry, including education, networking, and certifications. Inspirational pointers on thriving within the field, especially as a person of faith, are shared to guide aspiring financial advisors. If you're considering a career change, or just want a little peek at the world of financial advising, this is the episode for you.Key Takeaways:• How are financial advisors regulated?• What are the day to day activities of a financial advisor?• What do Ben, Charlie, Bryan, and Lance enjoy most about this industry?• What's the difference between a financial advisor and a paraplanner? • How does financial advising give an opportunity to make a difference in people's lives?• What certifications will you need to become a financial advisor?Key Timestamps:(00:00:00) - Introduction(00:02:11) - Day-to-Day Life of a Financial Advisor(00:09:21) - Different Roles and Specializations(00:14:41) - Personal Connections and Client Relationships(00:23:35) - Getting Started in Financial Planning(00:28:30) - Specializations and Certifications(00:34:30) - Finding Your Niche(00:40:40) - Final Thoughts and AdviceKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and finances, Bryan Smalley, Lance Peters, Charlie Horonzy, certified financial planner, regulations on plannersMentions:Website: https://catholicfinancialplanners.com/   Mentions: https://www.kitces.com/ https://retirementresearcher.com/ More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members: https://www.catholicfinancialplanners.com/financial-planners/Are you a Financial Advisor who is serious about the Catholic Faith? Join our network: info@catholicfinancialplanners.com

Joe Petry, a fellow member of the Catholic Financial Planners Network and founder of Mayfair Financial, shares his journey from economist to financial planner, motivated by his firsthand experience with retirement and ministry. In this episode, Joe emphasizes the importance of empathy, trust, and integrating faith into his work. From working with a refugee support initiative and the Kairos prison ministry to his time teaching economics at the university level, Joe brings a wealth of empathy and knowledge to his work. His experiences have deepened his understanding of compassion and the significance of treating others with dignity, which he applies to his role as a financial advisor, particularly in helping clients navigate the psychological and financial challenges of retirement. If you're looking to learn how ministering and financial planning go hand in hand, this is the episode for you.Key Takeaways:• How Joe went from economist to financial planner.• How Joe's experience ministering to Afghan refugees informs his work as a financial planner.• What is an ACTS Retreat?• What it's like to minister in the prison system.• How God's love can help us become better financial planners.• Joe's mantra, “Listen, listen. Love, love.”Key Timestamps:(00:00) – Joe's Background and Career Shift(05:33) – The Role of a Trusted Financial Advisor(08:52) – Joe's Ministry Work with Refugees(16:18) – Integrating Faith and Financial Planning(23:09) – Ego and God's Work(24:51) – Kairos Prison Ministry(25:41) – ACTS Retreats: A Path to Vulnerability(30:36) – Connecting Ministry to Financial Advising(34:05) – Transformative Experiences in Prison Ministry(42:55) – Listen, Listen, Love, LoveKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and finances, Joe Petry, prison ministry, ACTS Retreat, refugeesMentions:Website: https://www.mayfair-financial.com/ Mentions: https://www.actsmissions.org/about/ More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members.https://catholicfinancialplanners.com/members/

In this episode of the podcast hosted by Ben Martinek from the Catholic Financial Planners Network, guest Nick Orenduff of Orenduff Associates shares his insights on various investment vehicles and the importance of diversification. They discuss the differences between stocks, mutual funds, ETFs, and bonds, highlighting the roles these instruments play in a diversified investment portfolio. The conversation also covers the distinctions between fixed income investments and stock ownership, explaining the purposes and benefits of each. Additionally, they emphasize the significance of long-term investing and prudent financial planning for achieving financial freedom, particularly as one approaches retirement. If you're looking for a quick introduction to investing, this is the episode for you!Key Takeaways:• What's the difference between stocks, mutual funds, ETFs, and bonds? And how do I know which investment vehicle is right for me?• How diversification and long term thinking will lead to success.• How Isaac Newton got swept up in the stock market.• Why are bonds less popular than stocks? And what are their benefits?Key Timestamps:(00:00:00) - Introduction(00:01:34) - Nick's Journey in Financial Planning(00:02:42) - Understanding Investing(00:07:16) - What is a Stock and Why Do Companies Sell It?(00:16:59) - Mutual Funds and ETFs Explained(00:24:19) - Exploring Fixed Income Investments(00:29:00) - How Can Bonds Serve Investors?(00:31:26) - The Importance of Diversification(00:34:08) - Letting the Markets Work for YouKey Topics Discussed:Catholic Money Mastermind, Catholic financial planning, Catholic financial planners, Catholic financial advisors, Ben Martinek, faith and finances, Nick Orenduff, Orenduff and Associates, stock market, ETFs, bonds, investmentsMentions:Nick's Website: https://www.planmember.com/orenduff/More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members.https://www.catholicfinancialplanners.com/financial-planners/Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.info@catholicfinancialplanners.comAre you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.

We're all going to pay taxes, but knowing how the system works can prepare us for retirement with a little more money in our savings accounts. Today's guest, Charlie Horonzy, returns to discuss the ways we can use the tax code to our advantage. We discuss how tax planning is one of the most critical aspects of financial planning, how much better retirement can be when well-planned for, and when you should be paying taxes now vs later. Charlie gives some great examples of how the Tax Cuts and Jobs Act can benefit different people depending on their tax bracket and why an emergency fund is an important part of tax planning. Near the end of the episode we discuss why your planner and your accountant must be communicating, in order for you to get the best deal on your taxes - without any surprises. This episode is a great listen for anyone ready to dig a little deeper into their tax plans.Key Takeaways:• How saving a few percentage points on taxes each year will pay off in the long run.• Should you pay taxes now or later? And what savings plans are going to be right for your situation?• How different accounts and careful reading of documents can save you a lot of pain.• Why you should ensure your accountant and your financial planner are communicating.Key Timestamps:(00:00:00) - Introduction(00:01:33) - Financial Planning is Tax Planning(00:06:23) - Taxes Now or Taxes Later?(00:10:17) - Tax Cuts and Jobs Act(00:15:12) - Tax Planning for Retirement(00:21:02) - How to Adapt Savings to Taxes(00:23:40) - How to Plan for Changes of Plan(00:28:22) - Emergency Funds for Tax Surprises (00:32:02) - The Backdoor Roth(00:35:10) - Your Planner and Accountant Need to Collaborate(00:37:49) - Charlie's Closing CommentsKey Topics Discussed:Catholic Financial Planning, Catholic Financial Advisors, Catholic Money Mastermind, Faith, Finance, Tax Cuts and Jobs Act, Roth IRA, 401k, tax deferredMentions:Website: https://www.focusedupfinancial.com/ LinkedIn: https://www.linkedin.com/in/charles-horonzy-cfp%C2%AE-cpa-8802b910/ More of Catholic Money Mastermind:Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.

The nature of the sin called usury has its proper place and origin in a mutuum contract. Jerod Frank, a financial advisor and recent Catholic convert, shares his personal journey of grappling with the concept of usury within the context of ethical and moral investing. We answer questions such as should there be limits to profits? Jerod delves into the distinction between mutuum and societas loans, emphasizing the potential for perpetual indebtedness as the defining factor of usury. He also raises concerns about exploitative lending practices and the ethical implications of perpetuating a culture of living beyond one's means. Throughout the conversation, Jerod's authentic insights as a recent convert and financial advisor add depth to the discussion, highlighting the importance of aligning faith with professional conduct. The episode provides valuable insights into the concept of usury from a Catholic perspective, offering thought-provoking considerations for investors and financial professionals regarding the moral implications of interest-bearing investments and the broader impact on individuals and society making it a valuable resource for individuals seeking to understand the intersection of finance and ethics within the context of Catholic teachings.Key Takeaways:What is the concept of usury from a Catholic perspective and how does it impact modern financial practices?How can the teachings of the Catholic Church guide ethical lending and investing decisions?What are the potential ethical dilemmas associated with high-interest lending such as credit cards and payday loans?How can investors and financial advisors align their investment choices with principles of human dignity and the common good?What resources are available within the Catholic Church to deepen understanding of ethical financial practices?Key Timestamps:(00:00:00) - Introduction(00:01:27) - Jared's Conversion to Catholicism(00:04:34) - Understanding Usury(00:08:50) - Issues with Usurious Transactions(00:12:42) - Understanding the Distinction of Collateralized Loans(00:13:35) - Evaluating the Morality of Interest Rates(00:17:33) - Bankruptcy as a Safeguard Against Usury(00:19:47) - The Moral Implications of Credit Card Lending(00:22:26) - Practical Implications for Investors(00:25:26) - Understanding Usury and Corporate Bonds(00:26:11) - Old Testament Laws and Financial Ethics(00:27:04) - Ethics in Financial TransactionsKey Topics Discussed:Catholic Financial Planning, Catholic Financial Advisors, Catholic Money Mastermind, Faith, Finance, Usury, Usurious, Ethical Investing, Credit Card Lending, Perpetual Loans, Mutuum Contracts Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Approval Code: 6653099RG_May26Mentions:Website: https://catholicfinancialplanners.com/members/jerodwealthcoordinationpartners-com/LinkedIn: https://www.linkedin.com/in/jerod-frank/Resources: https://www.newadvent.org/summa/3078.htmAre you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.

Sarah Kang is a Certified Financial Planner with UAK Diversified, a firm she runs with her husband. With a focus on the personal side of financial planning, Sarah brings her experience as a music teacher to planning in a way that allows her to break things down in a way that just makes sense. In this episode, Ben and Sarah discuss how helping people can be meaningful and how, even with uncertainty ahead, we can always create a plan, we just may need to pivot. If you're looking for a light conversation about what it means to be a planner, this is the episode for you.Key Takeaways:How a love for music led to a love for finances.Financial planning is about peace of mind.How Sarah finds meaning in helping people with financial planning.How to plan for uncertainty (and keep it updated).Why it's important to work as a team.How to keep your financial goals realistic.Mentions

With 9 years in the finance industry, Michael Acosta returns to the show with some insights on homeownership. Michael is driven to work for his clients with the guidance of his tag line “Prepare, Perform, Prosper”. Questions discussed in this episode include: Should you pursue homeownership? Is a home a good investment? And is renting bad? All that, and more on this episode of Catholic Money Mastermind.Key Takeaways:What makes renting is a good decision.When it can be worth it to buy instead of rent.What makes your home an investment?Why you may not want to look at your home as an investment.What variables to consider when deciding whether to rent or buy.How much should you be spending on your home?Mentions

Bryan Smalley is a Certified Financial Planner (CFP) with a BA from the University of Toledo and an MA from Bowling Green State University. With a focus on “taking the scary out of retirement planning”, Bryan helps his clients focus on all the joys of retirement. Living in New Jersey with his wife and their 4 children, Bryan brings to this episode his perspective on having a single income household, homeschooling, and how these decisions impact your financial life. Of course, there's more to life than just money, which Ben and Bryan discuss in this episode.Key Takeaways:Things to know before becoming a single income household.The benefits of one parent staying at home.Some surprising cost savings come with a reduction to a single income.How to test run a single income and prepare with a cushion.How private, public, or home schooling can factor into your decision.Mentions

With over 30 years of experience as a financial planner, Lance is one of the most experienced people in the Catholic Financial Planners Network. Lance is the Founder and CEO of Nautical Star Financial, whose name echoes Lance's time in the Navy. In this episode, Lance tells Ben how he brings a Christian approach to financial planning - even praying with clients! If you're looking for deeper insight on what it means to be a Catholic financial planner, this is the episode for you.Key Takeaways:How your financial advisor's perspective will affect your planning.What it means to be a steward of your resources.How to find an advisor with the Christian mentality you're looking for.How Lance involves prayer in his financial practice.Why everyone should know the regulations followed by their advisor.Mentions

Anthony specializes in holistic family planning with focus on early career and family, retirement transition, tax preparation, and real estate investing. Having always wanted to help as many people as possible, Anthony became a Certified Financial Planner (CFP) helping his clients with financial literacy - regardless of their wealth. In this episode, Ben and Anthony discuss holistic life planning, expanding beyond finances to touch on mental, emotional, spiritual, and relational health. If you're looking to live a more fulfilling life and develop the financial skills to do it, this is a great place to start!Key Takeaways:Financial planning involves more than just money. Good financial planning starts with holistic life planning.In what do you find meaning in life?Anthony's “Examination of Conscience”.What types of people you want to surround yourself with, as a sort of board of directors, to give a balanced approach to life.How to adopt your own “rule of life”.Mentions

Phil joins us from Foundation Wealth Planning in Salina, Kansas. He's also a member of the Catholic Financial Planner Network, integrating his faith with his financial practice. With 8 years experience at a large financial firm, Phil left to start his own practice about 2 years ago. One of his major focuses has been to help families and businesses break the paycheck to paycheck cycle by tackling debt obligations, living expenses, and saving for the future. In this episode, Ben and Phil discuss how to change your perspective on your finances, a variety of budgeting solutions, and how surprised you might be by your expenditures once you start budgeting. Phil highlights a few ways you can get the ball rolling, motivating you to keep going. If you're wondering where your paycheck is going and want to learn how to get out of this cycle, this episode is for you.Key Takeaways:Take ownership and honestly consider your financial reality.Your situation isn't always as bad as you might think - there's a way out!The only way to know how much you're spending is to track it.How keeping a budget can help you adjust to the rising cost of living.You need a plan for cutting expenses AND earning more money.How to use your resources to advance your financial goals.Mentions

In this episode, we explore the challenging and rewarding journey of Kevin Reardon, a seasoned financial advisor who started his career in 1992. Through the highs and lows of his career, Kevin opens up about the hardships he faced during the early 2000s and how having faith, persevering through difficulties, and focusing on service can help navigate life's ups and downs in a spiritually fulfilling way. Challenges are opportunities to grow closer to God. Tune in to this enlightening episode as Kevin shares his inspiring journey of resilience and faith against all odds. What You'll Learn:Kevin's early career, leaving a firm due to conflicts of values, and the initial successes of his independent firm, Shakespeare Wealth ManagementKevin describes the tech bubble burst, causing his business to drop to $8 million in assets under managementKevin shares about his personal and business financial obligations and struggles during the downturnThe tough decisions Kevin had to make to keep his business afloat, including letting go of his administrative assistant and circulating his resume as a backup planThe vital role Kevin's Catholic faith played in helping him navigate through his trials, emphasizing on concepts like persistence, deferred gratification, and trusting in God's planKevin talks about considering other career options as a backup planKevin shares how he kept moving forward during the low point  The transformation Kevin underwent post his financial crisis, learning valuable lessons on humility, money and successKevin's focus shifts to serving others and giving back, becoming actively involved in Catholic charities and service opportunities, and committing to saying yes to helping othersMore of Kevin:Shakespeare Wealth Management: https://www.shakespearewm.com/kevin-reardon-cfp/More of Catholic Money Mastermind:https://www.catholicfinancialplanners.com/Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.

Today, Deb Meyer, CFP®, CPA/PFS, CEPA​, joins us to chat about women balancing motherhood with their professional careers. Throughout history, there has been a prevailing belief that women should primarily fulfill their roles within the household. Deb's journey in being a mom and business owner has led her to address certain concerns within the Catholic faith regarding gender roles. After raising kids as a stay at home mom while working, Deb now seeks to help other families develop a financial and investment plan that aligns with their family's values.Key Takeaways:Gender roles within the Christian faithBringing balance to the family unit with feminine energyRaising kids in a dual income householdFinancial feasibility of childcareBalancing motherhood with your professional careerChasing entrepreneurship on the side of motherhoodReadjusting vs doubling down on your commitmentsSingle income arrangements and dynamicsMentions:Mere Christians: https://podcast.jordanraynor.com/More of Deb:

Some small changes can make a big difference. Tens, if not hundreds of thousands of dollars are at stake in getting that one decision right like with social security. You really will impact your quality of life as these decisions start to compound. So, let's get ahead of the decisions that'll most drastically affect our retirement. Today, Tyler's going to share what areas in our personal and financial lives deserve a second look.What You'll Learn:Retiring to rather than retiring fromWhat is Coast FI?Why retirement planning is more than just financial planningWhat fulfillment looks like in retirementThe retirement smile spending patternsPreventing elderly abuseThe best way to retireGood planning doesn't cost, it paysMentions:Elder Abuse Can Happen to Anyone, Are You Protecting Your Loved Ones? https://www.qedwealthsolutions.com/blogs/blog7.11.23.htmlMore of Tyler:https://www.catholicfinancialplanners.com/tyler-j-meyer-cfp/https://www.qedwealthsolutions.com/index.htmlAre you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

You might have your kids saving up in piggy banks, but how do you get them ready to tackle money in the real world? Today's guest, Robert Franer, has a ton of actionable advice when it comes to instilling the foundation money skills your kids need to master. Of course, parenting looks different for everyone, but this episode will have you thinking about a framework to building your childrens' money mindset, spending habits, and investing predisposition.What You'll Learn:What does it mean to be good with money?The dichotomy between encouragement and disciplineInstilling a sense of charity into your kids' money mindsetGrooming spending habits early onTransitioning your kids into providing for themselvesAn approach to credit cards at an early ageMore of Robert:https://www.catholicfinancialplanners.com/robert/http://www.castellumfinancialadvice.com/More of Catholic Money Mastermind:https://www.catholicfinancialplanners.com/Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Ben Martinek and Charlie Horonzy talk about how to bring prayer into your finances, the insecurity that's associated with it, and the specific methods that they use. Amidst uncertainty, prayer plays a crucial role in helping us stay grounded, seek guidance and find the strength to fulfill our responsibilities."I think God wants us to be saints.. and everything in our life is helping us to get to heaven."- Charlie HoronzyWhat You'll Learn:Lectio Davina prayer and other meditation exercisesSurrendering to God's providence, especially in financial mattersFinancial challenges and anxieties are present regardless of one's wealthThe struggles in life can be viewed as crosses that teach valuable lessonsBalancing ambition and gratitudeFaith can be a rollercoaster, but persistence is keyMentions:Teach Us How to Pray: https://www.amazon.com/Teach-Us-Pray-Prayers-Bible/dp/158134967XThe Hallow App: https://hallow.com/The Amen App: https://amenapp.org/More of Charlie:https://www.catholicfinancialplanners.com/charlie/More of Catholic Money Mastermind:https://www.catholicfinancialplanners.com/Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Ben Martinek and Andy Flattery delve into generational wealth, family dynamics and inheritance, and the inferred responsibility of those who have wealth to act with generosity toward those who are less privileged.The discussion unravels the power dynamics that shape society. Explore the contrasting responses, from the trad Catholic movement to Catholic homesteaders and the Postliberals, as they navigate the current state of affairs with their unique perspectives. In a society that champions individualism, the role of families in cultivating excellence and nourishing deep roots provides tension between the American ideal and the pursuit of familial virtues. Andy attempts to uncover the complexities of fairness and equality, as well as the challenges inherent in addressing inequalities, concentration of power, and setting meaningful examples of virtue.In addition, discover the true essence of wealth and its impact on society as the conversation delves into the responsibility and obligations of those who possess it. Explore the idea of "Die With Zero," challenging the traditional notion of leaving a multi-generational financial legacy. Critique the potential pitfalls of generational wealth and the implications it holds for personal development and societal well-being. Prepare to question your own understanding of wealth, legacy, and the pursuit of a virtuous life.Mentions:Nobility and Analogous Traditional Elites: A Theme Illuminating American Social History: https://www.amazon.com/Nobility-Analogous-Traditional-Elites-Illuminating/dp/0819193100Die With Zero: https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765More of Andy:The Reformed Financial Advisor podcast: https://simplewealthkc.com/reformed-financial-advisor-podcast/https://www.catholicfinancialplanners.com/andy/More of Catholic Money Mastermind:https://www.catholicfinancialplanners.com/Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Ben Martinek and Joe Ibarra discuss how building wealth is tangential to growing in virtue.Most people wouldn't consider building wealth as an opportunity to refine the virtues of patience, discipline and generosity. In this episode, Joe Ibarra deliberates how the journey to generating wealth comes with a testament of these skills. Joe graduated first in his class from Rockhurst University in Kansas City, MO where he studied Philosophy and Accounting. He is a Financial Planner at Falcon Wealth Advisors based in Kansas City, MO, but has clients in 23 states across the country. Falcon Wealth Advisors specializes in providing fiduciary-driven, goals-based, and product-free advice.What You'll Learn:How the stomach is an investor's most important organWhy temperament pays over technical information when it comes to investingDiscipline is a virtue that can only be applied in small incrementsWhat is money supposed to accomplish for us?More of Joe:https://www.catholicfinancialplanners.com/joe-ibarra/More of Catholic Money Mastermind:https://www.catholicfinancialplanners.com/Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Ben Martinek and Tyler Hackenberg provide an insightful discussion on how Catholic social teaching can be integrated into financial planning and decision-making.We hear the story of Tyler Hackenberg, a former Westminster Theological Seminary student who is now a Catholic financial advisor located in the greater Philadelphia area. Tyler's journey to Catholicism started at Vanguard with a client requesting a donation to Planned Parenthood. This request led Tyler to explore Catholic social teaching and recognize the infinite human dignity of the unborn. Tyler discusses the legacies of St. Katharine Drexel and Dorothy Day. As a financial advisor, Tyler's practice, Drexel Day Financial, is grounded in the four pillars of Catholic social teaching, human dignity, common good, subsidiarity and solidarity.Tyler highlights defending the less fortunate by recognizing the wealth in each person regardless of socio-economic status. In his financial practice, Tyler emphasizes making decisions that have a positive impact on the environment and society, as we are all connected as human beings.More of Guest:Website: https://drexeldayfinancial.com/Biography: http://www.catholicfinancialplanners.com/tyler-hackenberg-cfp/LinkedIn: https://www.linkedin.com/in/tylerhackenberg/More of Catholic Money Mastermind:https://www.catholicfinancialplanners.com/Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.Are you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Ben Martinek and Michael Acosta discuss goal setting in 2023. "I love goal setting. I have to say, when I first got started setting goals, it's kinda like, uh, do I really need to do this? Is it necessary? And I have to say, after being in business for many years and working with clients for many years, yes! Goal setting is important. At the end of the day, on a practical level, if we wanna be able to look back at our lives and have something to show for our hard work, I really think you can't get away from goal setting."       - Ben MartinekShow notes: http://www.catholicfinancialplanners.com/goal-setting-in-2023-michael-acosta-podcast/This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.  Guest speakers and their firms are not affiliated with or endorsed by PAS,Guardian, or Genesis Wealth Planning, LLC and opinions stated are their own.  Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Genesis Wealth Planning, LLC is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #0M50974.Are you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Ben Martinek and Joe Ibarra host Trent Horn – Apologist for Catholic Answers and host of The Counsel of Trent podcast – to discuss money principals regarding retirement as a Catholic, Trent's recent debate with New Polity's Jacob Imam on Pints with Aquinas, everyday money habits, as well as how Trent got into the world of Catholic apologetics. This episode includes universal principals and specific takeaways, Scripture passages and personal experiences, perspectives from financial advisors and a Catholic apologist… and everything in between!Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith and finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Andy Flattery visits with Mother Abbess Cecelia of the Benedictines of Mary, Queen of the Apostles in Gower, MO. They talk about restoring civilization, growing your own food, the life of a traditional nun, the latin mass, and the munificence of supporting the building of new monasteries. If you would like to help the sisters build a new monastery in southern Missouri, please do so on their website.Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith and finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

This month on the Podcast, we talk with Matthew Pinto to discuss how the emerging space of Crypto is relevant to the Catholic Faith. We also discussed his current venture: The Catholic/Crypto Conference 2022, which will bring together Catholic thought leaders, technologists, crypto enthusiasts, and evangelists-at-heart for two full days of seminars, Meet-ups, strategy sessions, networking, and fun.  Show Notes: https://www.catholicfinancialplanners.com/the-crypto-episode-podcast/ Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith and finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

There have been important changes within the Federal Student Loan landscape with the recent announcement in late August regarding Federal Forgiveness opportunities for borrowers.  In this episode our very own Ben Martinek and Michael R. Acosta discuss what borrowers need to be aware of as the prepare for student loan payments to resume in January of 2023. As Certified Student Loan Professionals with extensive backgrounds in student loan planning both Ben and Michael provide insights into what borrowers should be considering when choosing the right repayment strategy.  Be sure to listen to the end where we discuss the morality behind debt forgiveness and if it is something we should be cautious of as practicing Catholics.Show Notes: https://www.catholicfinancialplanners.com/student-loans-podcast/ Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith and finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Ben Martinek, Deb Meyer and Tyler Hackenberg of Catholic Financial Planners Network discuss the recent Pints with Aquinas debate between Jacob Imam and Trent Horn about the morality of investing in 401(k) plans for retirement.  Jacob Imam argues that 401(k) investing is immoral because of its speculative nature, while Trent Horn points to magisterial authority that we are permitted as Catholics to invest in 401(k) plans – or any other savings vehicle for that matter.  Tune into unique perspectives on this episode of  Catholic Money Mastermind.Show Notes: https://www.catholicfinancialplanners.com/is-it-immoral-for-a-catholic-to-invest-in-a-401k-plan-podcast/Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith and finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Today's episode of Catholic Money Mastermind discusses a controversial topic: the overturning of Roe v Wade and its implications for Catholics who wish to invest in alignment with their moral values.  After the Supreme Court decision, some sizable companies declared that they would pay for employees' medical care to obtain abortions in states where it is still allowed.  Should we automatically exclude these companies from our investment portfolios? Michael Acosta of Consolidated Planning, Tyler Hackenberg of Drexel Day Financial and Deb Meyer of WorthyNest® offer their unique perspectives after this historic decision. Show Notes: https://www.catholicfinancialplanners.com/roe-v-wade-overt…catholic-podcast/Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith and finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Financial headlines are overly pessimistic. Tyler Hackenberg of Drexel Day Financial, Joe Ibarra of Falcon Wealth Advisors and Deb Meyer of WorthyNest® discuss the current bear market and hidden opportunities for a variety of Catholics -- from young professionals to pre-retirees.  We also touch on Pope Francis' recent advice to retirees to “leave a legacy of good.” Please join us for this timely episode of the Catholic Money Mastermind podcast!Show Notes: https://www.catholicfinancialplanners.com/the-bear-market-episode-podcast/ Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith and finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

On this episode of Catholic Money Mastermind podcast, Deb Meyer of WorthyNest®, Ben Martinek of Bona Fide Finance and Michael R. Acosta of Consolidated Planning, Inc. discuss the impacts of #inflation on households and how it is playing a role in the short-term financial decisions we make.  Be sure to listen to the end when the group provides thoughtful insights on how to better manage your emotions now while still focusing on the long-term horizon of your financial plan! Show Notes: https://www.catholicfinancialplanners.com/the-impact-of-inflation-long-term-approach-for-addressing-short-term-concerns-podcast/  Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith and finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Catholic Money Mastermind hosts Deb Meyer of WorthyNest® and Ben Martinek of Bona Fide Finance are joined by two very special guests today. Amanda and Jonathan Teixeira are the duo and happily married couple behind WalletWin, where they help everyday people create the life of their dreams by getting intentional with money. Additionally, the Teixeira's share smart money principles from their first book -- How to Attack Debt, Build Savings, and Change the World Through Generosity: A Catholic Guide to Managing Your Money. We're excited to share this interview with you!Show Notes: https://www.catholicfinancialplanners.com/money-management-for-catholic-couples-w-jonathan-amanda-teixera-podcast/  Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith and finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

As Catholics, why do we give to charities? What is tithing, and should it be based on a gross or net amount of income? What federal and state tax advantages are there for charitable giving? Ben Martinek of Bona Fide Finance and Deb Meyer of WorthyNest® answer these questions and more in this special charitable giving episode of the Catholic Money Mastermind podcast.Show Notes: https://www.catholicfinancialplanners.com/?p=4117&preview=true Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Join us as we continue to discuss the topic of 'Values-Based Investing' specific to the Catholic Faith.  For many practicing Catholic's today we were born into our faith or also known as 'cradle Catholics'.  Many of us might be at a point in our financial and faith journey where we have a desire to align our assets with our faith.  If this is the case for you, how do you know where your "magnetic north" lies?  The secular world is ever evolving yet the truths of the Church remain constant.  We can't align ourselves to a different "truth" when it comes to investing simply because we decide to turn a blind eye.Show notes: https://www.catholicfinancialplanners.com/?p=4094&preview=trueCatholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Deb Meyer and Ben Martinek speak with Jason Myhre of Eventide Funds. Eventide Asset Management, LLC, is a Boston-based registered investment adviser* pursuing “investing that makes the world rejoice.”Show notes: https://www.catholicfinancialplanners.com/catholic-investing-series-jason-myhre-of-eventide-funds-podcast/ Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Dr. Luke Murray, headmaster at the new Chesterton Academy of St. Philip Neary, shares his vision for Classical Education in Kansas City.Subscribe to The Reformed Financial Advisor Podcast: https://simplewealthkc.com/reformed-financial-advisor-podcast/Interlude & Outro: https://www.youtube.com/watch?v=6CJ96LGGP6wCatholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Michael Acosta interviews John Mueller, Vice President at Dana Investments, on Dana's version of Catholic Moral Investing. Show notes for this episode: https://www.catholicfinancialplanners.com/catholic-investing-dana-investments/Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Charlie Horonzy, Deb Meyer, and Andy Flattery discuss the finances of education for Catholic families.Show notes for this episode: https://www.catholicfinancialplanners.com/?p=4013&preview=trueCatholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Financial Planners Joe Ibarra and Andy Flattery discuss the zero interest rate trap and the teaching of the Universal Destination of Goods.Show notes for this episode: https://www.catholicfinancialplanners.com/?p=3994&preview=trueCatholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Deb Meyer and Tyler Hackenberg discuss finances in the context of marriage. Show notes for this episode - https://www.catholicfinancialplanners.com/?p=3968&preview=trueCatholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

*Originally recorded 7/2020*Catholic Financial Planners Ben Martinek and Andy Flattery discuss Dave Ramsey:What we love about DaveWhere we disagree Why most people should seek to graduate from "doing Dave Ramsey"Show notes for this episode - http://www.catholicfinancialplanners.com/talking-dave-ramsey-podcast/Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Around the horn episode with members of the Catholic Financial Planners Network. Topics discussed are - Housing prices are skyrocketingThe Vatican's investment choicesThe retail investment boomShow notes for this episode - https://catholicfinancialplanners.com/7Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Ben Martinek, Deb Meyer, and Robert Franer III discuss the morality (or lack thereof) wealth building. Show notes for this episode - https://catholicfinancialplanners.com/6Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

In this episode we discuss all the ways that people are using financial assets to save for short-term goals - cash, bonds, the stock market, and even crypto. In the end, financial planning is always to place to start.Show notes for this episode - https://catholicfinancialplanners.com/5Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Ben Martinek, Robert Franer, and Andy Flattery discuss the very foundation of personal finance - budgeting.Show notes - http://catholicfinancialplanners.com/4Attend the FREE Heroic Finance Summit on Saturday, 2/27/21 - https://bit.ly/3ubFGPt Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com

Andy Flattery, Deb Meyer, and Michael Acosta discuss the news of the day. Elon recently became the richest in the world. Joe Biden is pretty open about his Catholicism. Also, Biden will be taxing the rich.Show notes - http://catholicfinancialplanners.com/3Catholic Money Mastermind is a production of the Catholic Financial Planners Network that explores the intersection of faith an finances. You can learn more about our organization and get on our email list at catholicfinancialplanners.com