Money Not Math

What can a gorilla teach you about retirement planning?In this episode of Money Not Math, Drew uses the famous Monkey Business Illusion to reveal a surprising truth:

In Episode 174 of Money Not Math, we explore the 8 essential questions to ask before you retire. These questions go far beyond savings amounts and help create clarity around income, Social Security, healthcare, taxes, investment strategy, and lifestyle planning.This episode is designed for empty nesters and pre retirees who want to feel more confident and prepared for their next chapter.Disclosure:This content is for educational purposes only and is not individualized financial, investment, tax, or legal advice. It does not represent a recommendation to buy or sell any security or adopt any specific strategy. All investing involves risk, including possible loss of principal. Consult a qualified financial professional regarding your personal situation before making financial decisions.#MoneyNotMath #RetirementPlanning #EmptyNesters #PreRetirement #FinancialEducation #5StoneFinancialGroup

When it comes to retirement, when certain rules apply can be just as important as how much you have saved.In Money Not Math 173, we walk through several important ages that can influence how Social Security, Medicare, and retirement account rules work under current law. The goal is to help you better understand these milestones so you can have more informed conversations with your financial, tax, and legal professionals. In this episode, we discuss: • Age 50: When many retirement savers become eligible for catch-up contributions to certain retirement accounts.• Age 55: Situations where penalty-free withdrawals from a 401(k) may be available after separating from an employer-sponsored plan.• Age 59½: The point at which early withdrawal penalties generally no longer apply to many retirement accounts (ordinary income taxes can still apply).• Age 62: The earliest age to claim Social Security benefits, usually with reduced monthly payments compared with later claiming ages.• Age 65: When Medicare eligibility begins and often lines up with broader retirement decisions.• Ages 66 to 67: Full Retirement Age (FRA) for Social Security for many people retiring today, depending on year of birth.• Age 70: When Social Security benefits generally stop increasing for delaying claims beyond this age.• RMD ages 73 and 75: When Required Minimum Distributions from many tax-deferred retirement accounts begin, based on year of birth under current law.We also talk about how major life events, such as a career change, becoming empty nesters, receiving an inheritance or windfall, downsizing, health changes, or welcoming grandchildren, can interact with these ages and influence your overall retirement plan.Please reach out if you have questions or you would like to sit down and discuss your retirement plan.Disclaimer: This content is for educational and informational purposes only and is not intended as individualized financial, tax, or legal advice. The ages and rules discussed are based on current law and are subject to change. Individual situations vary. Before making decisions about Social Security, Medicare, retirement account withdrawals, or other financial matters, consult with qualified financial, tax, and legal professionals who can review your specific circumstances.#MoneyNotMath #RetirementPlanning #RetirementMilestones #FinancialEducation #SocialSecurity #Medicare #RMDs #RetirementJourney #FinancialAwareness #EmptyNestRetirement #5StoneFinancialGroup #RetireConfidently #FinancialConfidence

Welcome back to Money Not Math – Episode 172, the show where we break down complex retirement questions into clear, actionable insights—so you can retire with confidence, not confusion.In this episode, we walk through a hypothetical 67-year-old who has:• $870,000 in a 401(k)• $120,000 in an IRA• $2,200/month in Social SecurityAt first glance, it sounds like a basic math problem. But designing a retirement income strategy is about much more than dividing your savings by the number of years you hope to live.By the end of this video, you'll see how this same person could experience monthly incomes as low as about $3,620 and as high as $7,200—based on the planning (or lack of planning) that goes into their retirement strategy.In this episode, we cover:

What Does Retirement Income Look Like for a Single Person with $500,000 in an IRA + Social Security? | Money Not Math Ep. 170Welcome back to Money Not Math! In Episode 170, we're revisiting a popular topic from Episode 162, where we looked at retirement income for a hypothetical married couple with $500,000 in an IRA plus Social Security.This time, we're adjusting the scenario for a single person, as requested by one of our viewers.Here's what we'll cover:✅ How $500,000 in an IRA + Social Security might work together✅ Options to maximize asset allocation✅ Social Security income strategies✅ Tax and Roth conversion considerations✅ Retirement spending approachesThis is not personalized advice, but an educational illustration to help you better understand the factors that can impact retirement income.If you have questions about your own situation, we'd love to help!

In this episode of Money Not Math, we revisit a popular topic from Episode 162: “What Does Retirement Income with $500,000 in an IRA + Social Security Look Like?”But this time, we're answering a viewer's important question:doesn't seem like there wouldn't be a benefit in filling the 12% as well as 10% - especially when considering one spouse will pass away; let's say at 78. Would you mind showing this scenario?This scenario is something many families don't plan for, yet it can have a major impact on retirement income, taxes, and lifestyle. In this video, we'll cover:✅ How losing a spouse affects Social Security benefits✅ The impact on required minimum distributions (RMDs) and IRA withdrawals✅ Why asset allocation matters and how it impacts your retirement spending✅ The role of tax planning in protecting income for the surviving spouse✅ Strategies for retirement income spending to maintain financial securityPlanning for these possibilities isn't easy—but it's essential. If you want to feel confident about your retirement plan and ensure your loved ones are protected, this episode is for you.Episode 169 YouTube video: https://youtu.be/MM8G_P-kc94 Episode 162 YouTube video: https://youtu.be/ckU8qVK5XnY?si=4eMqJE4aeiEGmoRc If you have $300,000 or more in investable assets and want a customized retirement income plan that accounts for life's uncertainties, schedule a complimentary consultation today:

Roth conversions can be a powerful tax planning tool—but they're not right for everyone. In this episode, we explore five situations where a Roth conversion might make sense, including:✔ A lower-than-normal tax year✔ Expecting tax rates to rise✔ Having a long-time horizon before needing funds✔ Reducing future Required Minimum Distributions (RMDs)✔ Lowering the tax burden for your heirsWe'll also walk through a hypothetical example of a couple retiring at 65 with $1M in a Traditional IRA with Social Security income to show how these factors can play out in real life.#RetirementPlanning #RothConversion #TaxPlanning #MoneyNotMath #FinancialEducation #RetirementReady #TaxSmart #EmptyNestPlanning #WealthManagement #FinancialConfidence #RetireConfidently #5StoneFinancialGroup Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. I am a licensed fiduciary financial advisor and not a CPA.

Would you rather pay taxes now or later? For many retirees, that question can make a big difference in your financial future. In this episode of Money Not Math, we break down Roth conversions—what they are, why they matter, and key considerations before making a move.What you'll learn:✔ What a Roth conversion means✔ Potential benefits like tax-free withdrawals and no RMDs✔ Important factors to consider before convertingAt 5 Stone Financial Group, we help empty nesters create tax-smart retirement strategies. If you're wondering whether a Roth conversion fits your plan, schedule a conversation today: https://outlook.office.com/book/Gb122ad25bf0742de9ef95f26af89fd04@5stonefinancial.com/s/ytXDEtRh0E-29mrENW6_Uw2?ismsaljsauthenabledDisclaimer:This podcast is for educational purposes only and is not intended as personalized investment advice. All investing involves risk, including the potential loss of principal. Tax laws are subject to change, and individual circumstances vary. Before making any financial decisions, consult with a qualified tax or financial professional.

Are you an empty nester wondering if long-term care insurance is worth the cost? In this video, we break down the numbers, the pros and cons, and what it means for your retirement plan.Long-term care expenses can be one of the biggest risks to your financial future. Whether you're considering insurance or self-funding, the right choice depends on your goals, health, and assets.If you have $300,000 or more in investable assets and want clarity on how long-term care fits into your retirement strategy, schedule a complimentary consultation today:

According to a Forbes article by Andrew Biggs (“Half of Retirees Will Run Out of Money—That's the Good News”), about 50% of retirees will deplete their retirement savings during their lifetime.But here's the twist: most retirees still have Social Security, which pays for life with cost-of-living adjustments. The real risk isn't being penniless—it's losing the ability to maintain your desired lifestyle.In Money Not Math Episode 165, I break down what this means for your retirement and why planning matters.#MoneyNotMath#RetirementPlanning #FinancialConfidence #RetireConfidently #Confidence#Retirement #5StoneFinancialGroup

In this episode, I walk through a hypothetical retirement scenario for a couple with:

Two Doors. One Choice. Which Will You Pick?Copy:Retirement comes down to two outcomes:

“I'll be 65 this year. I've saved diligently and built up a $1 million 401(k). I'm expecting a $500,000 inheritance. I spend up to $6,000 a month. So, here's the big question: Can I retire on January 1st, 2026?”In this episode, we walk through a real-world retirement scenario — and without making any guarantees or recommendations. You'll learn:✅ Why when you retire matters✅ How Long-Term Care and medical costs can impact your future✅ The role of Asset Allocation, Social Security, Tax, and Spending Strategies in shaping your retirement experienceThis is not financial advice — it's education. Because money is not math, and there's so much more to retirement planning than just numbers.

If you're 65 or older—or planning for retirement—this episode breaks down how new legislation could reduce your taxable income and potentially eliminate taxes on your Social Security benefits.

Feeling the ups and downs of the stock market?

Hello and welcome to Money Not Math episode 158! I'm Drew Erickson, and today we're diving into Warren Buffett's recent comments on Berkshire Hathaway's cash holdings and what they mean for investors like you.In his latest annual letter to shareholders, Buffett addressed concerns about Berkshire's substantial cash reserves, which stood at $334 billion at the end of the fourth quarter. He emphasized his preference for owning "good businesses" over holding cash and highlighted the importance of patience and discipline in investing.Buffett also discussed the impressive performance of Berkshire's insurance arm and expressed confidence in the company's Japanese investments. These insights underscore the value of diversification and waiting for the right investment opportunities.Tune in to learn more about how Buffett's philosophy can inform your personal retirement planning strategy. If you find this episode valuable, please consider subscribing, leaving a review, or sharing it with a friend. And remember, if you're looking for personalized retirement planning advice, I'm here to help.

In this episode, I dive deep into the world of Health Savings Accounts (HSAs). Discover how HSAs can be a game-changer for your financial health, offering triple tax savings and more. But they aren't always the right decision for everyone. We break down the benefits of high-deductible health plans and compare them with traditional health insurance options. Learn how HSAs can significantly impact your retirement planning by providing a tax-advantaged way to save for future healthcare expenses. Whether you're new to HSAs or looking to optimize your current strategy, this episode is packed with valuable insights and practical tips.

Are you reconsidering when to take your Social Security benefits? Or planning for the unpredictable future of late-life finances? Check out this podcast highlighting:1. Discover why delaying Social Security benefits might not always be the best strategy.2. Learn how to create a robust financial plan to guide late-life decisions and weather an unpredictable future.Stay informed and make the best decisions for your financial future!Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation.Articles referenced: https://www.morningstar.com/retirement/maybe-you-shouldnt-delay-taking-your-social-security-benefits-after-allhttps://www.startribune.com/a-financial-plan-to-guide-late-life-decisions-will-help-weather-unpredictable-future/601219133#RetirementPlanning #FinancialAdvice #SocialSecurity #LateLifePlanning #Investing #FinancialEducation #5StoneFinancialGroup #money #retirement

Curious about how tariffs might affect your investment portfolio? Check out this podcast. Key Takeaways: • Historical Context: Learn how past tariff implementations, like those during President Trump's term, impacted markets. • Market Reactions: Discover why markets often price in expected developments, potentially muting the impact of new tariffs. • Forward-Looking Insights: Understand how current market prices may already reflect anticipated economic changes. Stay informed and make better investment decisions by understanding the broader economic landscape. Schedule a Private Call: If you prefer a private conversation, you can schedule a call with me here: https://outlook.office365.com/owa/calendar/Gb122ad25bf0742de9ef95f26af89fd04@5stonefinancial.com/bookings/s/ytXDEtRh0E-29mrENW6_Uw2 Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. Since this is a live session, I may occasionally make a mistake. Article referenced: https://www.dimensional.com/us-en/insights/tariff-trepidation #Investing #MarketInsights #Tariffs #FinancialEducation #Dimensional #RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee

Hello everyone!

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Did you know the government decides when you must start spending your 401(k) and IRA money in retirement?

Ever wondered if 401(k) withdrawals before age 73 count toward your Required Minimum Distributions (RMDs)?

“More than 8 in 10 workers over 45 regret not taking retirement saving more seriously when they were younger.” “More than half of those surveyed by EBRI retired earlier than expected due to reasons beyond their control, such as health problems or disability, or changes at their company, like downsizing, closure, or reorganization.” Only 19% of retirees have a written plan, she added. “But just because you're already retired doesn't mean you can't do some retirement planning to know where you stand and give yourself a boost.” Full podcast: https://creators.spotify.com/pod/show/drew-erickson7/episodes/What-do-people-regret-the-most-when-they-retire--1-23-25-Retirement-Planning-Coffee-Talk-e2tsuvn Article referenced: https://finance.yahoo.com/news/what-do-people-regret-the-most-when-they-retire-143035482.html Here's the link to schedule a call with me if you want to ask questions privately: https://outlook.office365.com/owa/calendar/Gb122ad25bf0742de9ef95f26af89fd04@5stonefinancial.com/bookings/s/ytXDEtRh0E-29mrENW6_Uw2 Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this is a live session, I may occasionally make a mistake. #RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee

What do people regret the most when they retire? 1.23.25 Retirement Planning Coffee Talk “More than 8 in 10 workers over 45 regret not taking retirement saving more seriously when they were younger.” “More than half of those surveyed by EBRI retired earlier than expected due to reasons beyond their control, such as health problems or disability, or changes at their company, like downsizing, closure, or reorganization.” Only 19% of retirees have a written plan, she added. “But just because you're already retired doesn't mean you can't do some retirement planning to know where you stand and give yourself a boost.” Article referenced: https://finance.yahoo.com/news/what-do-people-regret-the-most-when-they-retire-143035482.html Here's the link to schedule a call with me if you want to ask questions privately: https://outlook.office365.com/owa/calendar/Gb122ad25bf0742de9ef95f26af89fd04@5stonefinancial.com/bookings/s/ytXDEtRh0E-29mrENW6_Uw2 Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this is a live session, I may occasionally make a mistake. #RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee

In our latest Coffee Talk video/podcast, we dive into smart retirement planning tips: 1. 5 Mistakes to Avoid with Your Investment Portfolio. 2. How inflation affects your stocks and bonds

In our latest Coffee Talk video/podcast, we dive into smart retirement planning tips: 1. 5 Mistakes to Avoid with Your Investment Portfolio. 2. How inflation affects your stocks and bonds

“According to the study, 78% of pre-retiree respondents expressed concern over inflation's effect on their retirement income.” 1 Market Review 2024: Stocks Overcome Uncertainty to Notch Another Strong Year… “It's a reminder that the market is constantly incorporating new information into prices—including expectations for moves by the Fed.” 2 Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you're not a client—at no cost. Join us on Facebook Live or stop by my office to enjoy free coffee. If you'd rather not ask questions online or in person during the live session, feel free to message me directly. Or simply enjoy your coffee at my office, and we can chat once the live video wraps up. There's no pressure to work with me or become a client, whether you join in person or online. My mission is to provide my clients with the highest quality advice and service. To maintain this level of care, I limit my practice to 100 active clients at a time, as I have a fiduciary responsibility to each of them. While I cap the number of clients I work with, I'm dedicated to serving as many people as possible by sharing valuable information and answering your questions. That's why these Coffee Talks mean so much to me. Here's the link to schedule a call with me if you want to ask questions privately: https://outlook.office365.com/owa/calendar/Gb122ad25bf0742de9ef95f26af89fd04@5stonefinancial.com/bookings/s/ytXDEtRh0E-29mrENW6_Uw2 Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this is a live session, I may occasionally make a mistake. Articles referenced: https://www.benefitspro.com/2025/01/07/inflation-and-family-caregiving-squeeze-retirement-plans/?slreturn=20250109111801 1 https://my.dimensional.com/market-review-2024-stocks-overcome-uncertainty-to-notch-another-strong-year?_cldee=KVjLgSjQEtBcUsrd-iWv82rop9KQBgCf3ZqZApxdhRCrOwdPn4Odw5GpnYVIa_HT&recipientid=contact-95bd0bca459bec11b400000d3a325c46-5c9dba59efb947409dc2c1db49eb85b2&utm_source=ClickDimensions&utm_medium=email&utm_campaign=US%20Weekly%20Digest%202025&esid=69f9af2e-0acd-ef11-b8e9-000d3a5d70d5 2 #RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee #inflation

“According to the study, 78% of pre-retiree respondents expressed concern over inflation's effect on their retirement income.” 1 Market Review 2024: Stocks Overcome Uncertainty to Notch Another Strong Year… “It's a reminder that the market is constantly incorporating new information into prices—including expectations for moves by the Fed.” 2 Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you're not a client—at no cost. Join us on Facebook Live or stop by my office to enjoy free coffee. If you'd rather not ask questions online or in person during the live session, feel free to message me directly. Or simply enjoy your coffee at my office, and we can chat once the live video wraps up.   There's no pressure to work with me or become a client, whether you join in person or online.   My mission is to provide my clients with the highest quality advice and service. To maintain this level of care, I limit my practice to 100 active clients at a time, as I have a fiduciary responsibility to each of them. While I cap the number of clients I work with, I'm dedicated to serving as many people as possible by sharing valuable information and answering your questions. That's why these Coffee Talks mean so much to me.   Here's the link to schedule a call with me if you want to ask questions privately: https://outlook.office365.com/owa/calendar/Gb122ad25bf0742de9ef95f26af89fd04@5stonefinancial.com/bookings/s/ytXDEtRh0E-29mrENW6_Uw2 Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this is a live session, I may occasionally make a mistake. Articles referenced: https://www.benefitspro.com/2025/01/07/inflation-and-family-caregiving-squeeze-retirement-plans/?slreturn=20250109111801 1 https://my.dimensional.com/market-review-2024-stocks-overcome-uncertainty-to-notch-another-strong-year?_cldee=KVjLgSjQEtBcUsrd-iWv82rop9KQBgCf3ZqZApxdhRCrOwdPn4Odw5GpnYVIa_HT&recipientid=contact-95bd0bca459bec11b400000d3a325c46-5c9dba59efb947409dc2c1db49eb85b2&utm_source=ClickDimensions&utm_medium=email&utm_campaign=US%20Weekly%20Digest%202025&esid=69f9af2e-0acd-ef11-b8e9-000d3a5d70d5

Retire Early, is this the year you take the leap? Plus, 6 Market Pros on the Biggest Risks for 2025. 1.2.25 Retirement Planning Coffee Talk A guide to help you retire early in 2026 or in the near future, with a month-to-month checklist of achievable goals. Keep an eye on sticky inflation, stretched valuations, and an uncertain policy landscape. Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you're not a client—at no cost. Join us on Facebook Live or stop by my office to enjoy free coffee. If you'd rather not ask questions online or in person during the live session, feel free to message me directly. Or simply enjoy your coffee at my office, and we can chat once the live video wraps up. There's no pressure to work with me or become a client, whether you join in person or online. My mission is to provide my clients with the highest quality advice and service. To maintain this level of care, I limit my practice to 100 active clients at a time, as I have a fiduciary responsibility to each of them. While I cap the number of clients I work with, I'm dedicated to serving as many people as possible by sharing valuable information and answering your questions. That's why these Coffee Talks mean so much to me. Link to full Spotify Podcast: https://creators.spotify.com/pod/show/drew-erickson7/episodes/Retire-Early--is-this-the-year-you-take-the-leap--Plus--6-Market-Pros-on-the-Biggest-Risks-for-2025--1-2-25-Retirement-Planning-Coffee-Talk-e2t049b Here's the link to schedule a call with me if you want to ask questions privately: https://outlook.office365.com/owa/calendar/Gb122ad25bf0742de9ef95f26af89fd04@5stonefinancial.com/bookings/s/ytXDEtRh0E-29mrENW6_Uw2 Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this was a live session, I may occasionally make a mistake. Articles referenced, https://www.kiplinger.com/retirement/retire-early-this-year-is-this-the-year-you-take-the-leap https://www.morningstar.com/markets/6-market-pros-biggest-risks-2025?utm_source=eloqua&utm_medium=email&utm_campaign=AdvisorDigest&utm_content=None_60118&utm_id=31029 #RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee

A guide to help you retire early in 2026 or in the near future, with a month-to-month checklist of achievable goals. Keep an eye on sticky inflation, stretched valuations, and an uncertain policy landscape. Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you're not a client—at no cost. Join us on Facebook Live or stop by my office to enjoy free coffee. If you'd rather not ask questions online or in person during the live session, feel free to message me directly. Or simply enjoy your coffee at my office, and we can chat once the live video wraps up. There's no pressure to work with me or become a client, whether you join in person or online. My mission is to provide my clients with the highest quality advice and service. To maintain this level of care, I limit my practice to 100 active clients at a time, as I have a fiduciary responsibility to each of them. While I cap the number of clients I work with, I'm dedicated to serving as many people as possible by sharing valuable information and answering your questions. That's why these Coffee Talks mean so much to me. Here's the link to schedule a call with me if you want to ask questions privately: https://outlook.office365.com/owa/calendar/Gb122ad25bf0742de9ef95f26af89fd04@5stonefinancial.com/bookings/s/ytXDEtRh0E-29mrENW6_Uw2 Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this was a live session, I may occasionally make a mistake. Articles referenced, https://www.kiplinger.com/retirement/retire-early-this-year-is-this-the-year-you-take-the-leap https://www.morningstar.com/markets/6-market-pros-biggest-risks-2025?utm_source=eloqua&utm_medium=email&utm_campaign=AdvisorDigest&utm_content=None_60118&utm_id=31029 #RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee

How to Avoid Letting Unforeseen Events (Black Swans) Ruin Your Retirement. Money Not Math 155 “When it comes to investing, a big obstacle many people face is the fear of catastrophe.” “The fact that winners can gain more than losers can lose is one of the many reasons I'm so optimistic about investing in public markets.” “Staying disciplined is one of the keys to capturing the market's long-term returns. Over the past century, the stock market has returned on average about 10% a year, which makes sense when you consider the asymmetric nature of stock returns.1 Remember that while a stock can only fall to zero, losing 100% of its value, successful companies have the potential for gains far exceeding 100%.” Article referenced, https://www.dimensional.com/us-en/insights/how-to-avoid-black-swans Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. #MontyNotMath #RetirementPlanning #Retirement #investing #money #BlackSwan #discipline

Financial advice can add up to 5.1% to portfolio returns over the long term. 11/21/24 Retirement Planning Coffee Talk That could make up to or more than a $7m difference! Election Results Shouldn't Dictate Your Investments Yes, RMDs Can Improve Your Portfolio Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you're not a client—at no cost. Join us on Facebook Live or stop by my office to enjoy free coffee. If you'd rather not ask questions online or in person during the live session, feel free to message me directly. Or simply enjoy your coffee at my office, and we can chat once the live video wraps up. There's no pressure to work with me or become a client, whether you join in person or online. My mission is to provide my clients with the highest quality advice and service. To maintain this level of care, I limit my practice to 100 active clients at a time, as I have a fiduciary responsibility to each of them. While I cap the number of clients I work with, I'm dedicated to serving as many people as possible by sharing valuable information and answering your questions. That's why these Coffee Talks mean so much to me. Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this is a live session, I may occasionally make a mistake. #RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee Articles Referenced: https://www.fidelity.com/viewpoints/investing-ideas/financial-advisor-cost https://www.dimensional.com/us-en/insights/election-results-shouldnt-dictate-your-investments https://www.morningstar.com/personal-finance/yes-rmds-can-improve-your-portfolio?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_59171&utm_id=30343

How the 2024 Election Could Affect Your Portfolio. 11.7.24 Retirement Planning Coffee Talk   Stocks, Dollar, Bitcoin Rise as Trump Wins Second Term   2025 Social Security Changes – please reach out if you want a copy of the pdf   Investors Tend to Win No Matter Who Prevails in an Election   Probability of Positive Returns in the S&P 500 Index – Since 1937 – please reach out if you want a copy of the pdf   Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you're not a client—at no cost. If you'd rather not ask questions online or in person, feel free to message me directly and I will do my best to get back to you in a timely manner.   There's no pressure to work with me or become a client by joining online or stopping by my office with questions.   My mission is to provide my clients with the highest quality advice and service. To maintain this level of care, I limit my practice to 100 active clients at a time, as I have a fiduciary responsibility to each of them. While I cap the number of clients I work with, I'm dedicated to serving as many people as possible by sharing valuable information and answering your questions. That's why these Coffee Talks mean so much to me.   Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this is a live session, I may occasionally make a mistake.   Article's referenced, How the 2024 Election Could Affect Your Portfolio Stocks, Dollar, Bitcoin Rise as Trump Wins Second Term 2025 Social Security Changes    Investors Tend to Win No Matter Who Prevails in an Election Probability of Positive Returns PDF I can send you if interested by www.ftportfolios.com #RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee

“Why Many Americans Aren't Prepared for Retirement” and “What Investors Told Us They Want From Advisors” were Morningstar articles also discussed. What are you looking for in an advisor? Do you think who wins the election will impact the stock market? What other questions or thoughts do you have from these three articles? Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join this Facebook live or stop by my office for free coffee. There is no pressure to work with me or become my client by stopping by in person or online. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me. Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time. #MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement #coffee Links to the three articles referenced, https://www.morningstar.com/financial-advisors/what-investors-told-us-they-want-advisors?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_58908&utm_id=30113 https://www.morningstar.com/markets/markets-brief-dont-gamble-2024-election-outcome?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_58907&utm_id=30112 https://www.morningstar.com/columns/rekenthaler-report/american-retirement-preparedness-is-improving-its-still-not-good-enough?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_58572&utm_id=29904

The True Tax Benefit of IRAs and 401(k)s plus how they stack up against taxable and after-tax accounts. Money Not Math 154. Where should you be investing your money? Tax-deferred (Traditional IRAs/401(k)s, taxable, or after-tax (Roth IRAs/401(k)s)? This article and visual will hopefully help you answer that question. Please let me know if you have follow-up questions or thoughts plus future money not math or retirement planning topic requests. Article referenced, https://www.morningstar.com/columns/rekenthaler-report/whats-tax-benefit-owning-traditional-ira-or-401k-account?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_58805&utm_id=30039 Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. #MoneyNotMath #RetirementPlanning #Investing #401k #IRA #Roth #Taxes #Retirement #EmptyNesters #money

Why Stocks are Hitting Record Highs, Avoid RMD Shortfalls, and Is Fixing Social Security and Medicare as Dire as it Seems? 6/13/24 Retirement Planning Coffee Talk   “Still, without action by Congress, the program in 2035 would be bringing in enough cash to pay only 83% of the benefits promised to current and future beneficiaries. In other words, beneficiaries would be facing a disastrous 17% cut in benefits.” - Is Fixing Social Security and Medicare as Dire as It Seems?   Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee.   There is no pressure to work with me or become my client by stopping by in person or online.   It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me.   Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time. I look forward to some great conversations and hope you have a wonderful day.   #MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement #coffee #stocks #RMD #SocialSecurity #Medicare Articles referenced: https://www.morningstar.com/retirement/5-life-expectancy-rules-10-year-other-ira-beneficiaries?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_advisordigest&utm_content=54334 https://www.morningstar.com/markets/why-stocks-are-hitting-record-highs-what-could-send-them-back-earth?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_morningdigest&utm_content=54511 https://www.morningstar.com/retirement/fixing-social-security-medicare-its-not-dire-it-seems?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_advisordigest&utm_content=54543

The True Cost of a Financial Advisor Revealed, The Financial Risks of Social Media, and Take it from Warren Buffett: Misses Are Inevitable. 6/6/24 Retirement Planning Coffee Talk Would it be worth paying 1% of your assets under management to receive 1.5%-4% higher account growth over an extended period of time? Potentially going from ~$1.3M to ~$2m or ~$1.3M to ~$4m? What's the "hottest" financial tip or "trade secret" you've seen on social media recently? Save more than you spend. Diversify across asset classes. Invest regularly (even during bear markets and corrections). Be mindful of costs. Don't panic during selloffs. Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee. There is no pressure to work with me or become my client by stopping by in person or online. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me. Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time. #MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement #coffee Articles referenced: https://articles.smartasset.com/financial-advisor-true-cost/ux/index.html?utm_source=googlediscovery&utm_campaign=dis__falc_content_truecost&utm_content=134512371305_655524434362&utm_term=Beth&gclid=CjwKCAjw88yxBhBWEiwA7cm6pcE4wznNL4yV8oQYApmhkYDPEKInob7v27Myw23jFWjLpGKI0QkfDRoCPY4QAvD_BwE https://www.morningstar.com/financial-advisors/take-it-warren-buffett-misses-are-inevitable Please email me ad drew@5stonefinancial.com if you would like to be added to our newsletter.

Dad jokes, the financial media, and the countdown to your retirement. 5/8/24 Retirement Planning Coffee Talk with Ross Welte and Dexter. Check out this video for some real client retirement stories regarding their emotions and financial outcomes! Why is the news so negative? Can anyone explain this FPS situation? Emotions are the detriment to long-term planning. Don't use words! Should we get out of the market? What happens if you get out at the wrong time? The Death of Equities. The value of being independent and being open to your options. Are you getting the most out of your money? Don't be romantic about how you made your money. The emotions you feel before, during and after retirement. The top 5 Retirement Planning MISTAKES. Dad Jokes. Thank you Ross and Dexter for joining me. I thoroughly enjoyed the conversation. Should we start Dad Jokes with Dads? Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee. There is no pressure to work with me or become my client by stopping by in person or online. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me. Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time. #MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement #coffee #SocialSecurity Articles referenced: https://ritholtz.com/1979/08/the-death-of-equities/ https://smartasset.com/retirement/retirement-mistakes-to-avoid

Forgive, Be BOLD, and Live! Money Not Math 153 interview with Alison Bernier – Bernier Properties LLC What an absolute pleasure it was for me to interview Alison and get to know her better. Her faith, perseverance, genuine nature, and kindness are incredible. I love her Core Values and belief system. Especially when she talks about how the connections you have and how we treat people are more important than the money you have. From pre-law and nutrition to entrepreneurship I strongly encourage you to set aside 30 minutes to watch or listen to Alison's story. Plus, I would appreciate it if you helped me celebrate Alison by sharing, commenting, and liking this post. Please reach out with questions or thoughts for Alison or me. Thank you and I hope you have a wonderful day. #Forgive #BeBold #Live #RealEstate #Faith #Family #perseverance #kindness #MoneyNotMath #Connections

Thankful for 10 years! My office is moving. FED interest rate decisions. Only 1 in 5 have retirement plans. 5/2/24 Retirement Planning Coffee Talk. Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee. There is no pressure to work with me or become my client by stopping by in person or online. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me. Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time. I look forward to some great conversations and hope you have a wonderful day. #MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement #coffee #FED #InterestRates Articles referenced: https://www.morningstar.com/markets/what-history-tells-us-about-feds-next-move?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_morningdigest&utm_content=53723 https://www.usatoday.com/story/money/2024/05/02/affording-retirement-costs-americans-survey-aarp/73530103007/

NFL Draft tonight, go Vikings! 5.1% Cash Accounts. Structured Notes. Series 65. 2/3 of Peak Boomers Aren't Ready for Retirement. And Qualified Charitable Distributions. 4/25/24 Retirement Planning Coffee Talk. Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee. There is no pressure to work with me or become my client by stopping by in person or online. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me. Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time. I look forward to some great conversations and hope you have a wonderful day. #MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement Articles/websites referenced: https://www.5stonefinancial.com/ https://www.thinkadvisor.com/2024/04/24/two-thirds-of-peak-boomers-are-financially-unprepared-for-retirement-study/?fbclid=IwZXh0bgNhZW0CMTAAAR0wk1RASumB4dWabxayCkBFv19LJ1FGIZ-nxJ7xXM4s_VOzFp-2bUGEs4I_aem_AZX9to-XLUUSNYfMzORcLuC4OuDI85tKP05JEtt4enkA2AZvgX7nRu3hrn3emQ4Mqk4k0oqoQ0F0HCAxf1nZvTbU https://www.fidelitycharitable.org/guidance/philanthropy/qualified-charitable-distribution.html?fbclid=IwZXh0bgNhZW0CMTAAAR3mqnhCTGvymHjHcy6Ztp74P6EBc24NKIXGdlIkwZoWEahfp9zuzkstt4U_aem_AZXlAtAmOw2hh_onLHTeftoJPT0j-gULJdqiwgf9_7jJDVf1KtRNSeeBG5UxUUBYSvon1j9asIIOmG0NJ3mv0KNQ#:~:text=A%20qualified%20charitable%20distribution%20

Roth Conversions. Will the New Inflation Story Hurt Stocks? Magnificent No More? Apple and Tesla Stocks Are Weighing on the Market. Our retirement planning newsletter and Shane Zutz's leadership newsletter. 4/18/24 Retirement Planning Coffee Talk Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee. There is no pressure to work with me or become my client by stopping by in person or online. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me. Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time. I look forward to some great conversations and hope you have a wonderful day. #MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement Articles Referenced: https://www.morningstar.com/retirement/recharacterizing-your-ira-contribution?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_advisordigest&utm_content=53453&fbclid=IwZXh0bgNhZW0CMTAAAR2FmaeRy2FpsvV49IcBB1yGn51TXWr8wfRGyAqrV8CDOexczJ45ig1Fjqs_aem_AdNr0zr5_OiNheaun2xrCwjilcMYLZrsGM2pjJgU7D8aOObX9Wv24psHctQxZNTz5j4CXj5FKt1bnkio7B5d8i5K https://www.morningstar.com/markets/markets-brief-will-new-inflation-story-hurt-stocks?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_advisordigest&utm_content=53390&fbclid=IwZXh0bgNhZW0CMTAAAR05safgm7DGM7NBs5k0fGq_y0hins3izMye3YHsNkiI84IMPTN0bw-c1xw_aem_AdPvCCXgiYVWidrdzKIj0EyBfA5XZjQswy-2kuZmQCRLwssK2hz8PfqJbJp5x8NEIowl7FWtwDFMCmnToNl3i589 https://www.morningstar.com/markets/magnificent-no-more-apple-tesla-stocks-are-weighing-market?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_morningdigest&utm_content=53306&fbclid=IwZXh0bgNhZW0CMTAAAR2_WtVlG9_HyEMkuBZ33_EQuDRlQvIgv4WDhOxmvtItsRVPFs0cFFieiJY_aem_AdMSU7QXIFKQP1wZXIxN0mh7Fjdqrq_9YO9Xa1zX6U2i5EdJrqF0bjcSolTVoNOS7wiyUiqSse8qkQIoInBMRs8N

“I feel like I should have had a financial education class” 4/11/24 Weekly Money Not Math Coffee Talk Topics discussed= Help support the Challenger Elementary School teachers and students by buying a coffee mug! What I See When I Watch Basketball. Where International Diversification Works—And Where It Falls Short. Which behavioral bias is most common and most detrimental to financial planning? Do we deal with a lot of retirement planning? The most successful investment accounts are owned by dead people. Weekly Money Not Math Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee. There is no pressure to work with me or become my client by stopping by in person or online. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me. Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time. I look forward to some great conversations and hope you have a wonderful day. #MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #quality #advice #service #free #coffee #FinancialEducation Please let me know if you would like to be added to our newsletter and here are the articles I referenced, https://www.morningstar.com/portfolios/does-case-investing-internationally-add-up?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_morningdigest&utm_content=52987&fbclid=IwAR2d2OyOb_10cJF6Thj_eGqUAQQu-8A5638Esvbjx4njWGtPMlHZHHuCHfg_aem_AZsZ-N_NyDj_KcaLPbbS2CjoevQYULkL_8Ip9X1Uxs7JNSovBAYsHrzq5HaNa9pBWl0LUCuHEJL8knLP7INdnvjV https://www.dimensional.com/us-en/insights/what-i-see-when-i-watch-basketball

Go Gophers! 5 Steps to Spring-Cleaning Your Investment Portfolio. Morningstar Market Insights: Central Banks, Inflation, and Patient Investing. Cost of Capital: A Gut Check on High-Flying Stock Returns. 3/28/24 Weekly Money Not Math free Coffee Talk. Weekly Money Not Math Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee. There is no pressure to work with me or become my client by stopping by in person or online. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me. Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time. #MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #free #coffee #SpringCleaning #InvestmentPortfolio #morningstar #banks #inflation #stock #returns Articles Referenced: https://www.morningstar.com/markets/morningstar-market-insights-central-banks-inflation-patient-investing?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_advisordigest&utm_content=52878&fbclid=IwAR3kwzQUeR8f8Zt6-wJCr-YT87fmhZ2T545ia2SPielXDHRLk3xu1jpESSo_aem_AW6W9TkvpIutht_-MWTOCL9utm0_HKpdKZpEVrtvEWIdz28XR6pUKclBEi5Xuy_U0wHv1ummN3zhUHg_Iz2_mnSv https://www.morningstar.com/portfolios/5-steps-spring-cleaning-your-investment-portfolio?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_morningdigest&utm_content=52906&fbclid=IwAR2KoLcTdPgFufG8KR6hHPht_YBR1w_A0QddpOhfEan6s_MGM_tonqAnGfQ_aem_AW60aFK7BGZDV1iWgz-k_qfPuYlI858sFJ8WfsEOjHQ64Ibn0lHPnTTei-1GcuiBBgvX91swbCNORWP0OENv3taM https://www.dimensional.com/us-en/insights/cost-of-capital-a-gut-check-on-high-flying-stock-returns?fbclid=IwAR27IgKAZl2lvJaBH1Wah2om0Q2XOdQ0cA_b5ASWymgAJjRHFaQ2ZPKQ6e0_aem_AW6_wDxm3oq6eeWL_tV3bYuD7dULpZSYoRdPvENAXkI3Q3rlo0-ZT_XhUBQRbUug-uOe0YnJbITfTpyfTpZlFyyp

2.23.24 Money Not Math interview with Tevin Moreno – Moreno Dental Services. Money Not Math 152. Did you know Tevin drove a bus to his first year of college and started his own practice/business straight out of college? Listen to this awesome interview to learn more about Tevin, his impressive path to becoming a dentist, and the lessons he has learned along the way. I left more impressed than expected and think you will too. Plus, there are some tremendous pieces of advice shared so it's well worth the listen. Also, he may have a job opportunity for you. Help support his business and share his story by sharing and liking this video or podcast plus comment if you have questions or requests for future Money Not Mat conversations. You can reach Tevin at Dougl240@umn.edu Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. #MoneyNotMath #Dentist #Money #BusinessPlanning #FinancialPlanning #RetirementPlanning #wealth #GrowthMindset #resilience #HardWork

Topics discussed= Missing out by not talking finance? The Next BlackBerry? Are ‘Higher for Longer' Interest Rates Back? The difference between Want and Need! Weekly Money Not Math Coffee Talks are an informal way for me to have conversations and answer questions to people even if they aren't my clients for free. You are welcome to join the Facebook live to talk or stop by my office for some free coffee. There is no pressure to work with me or become my client by stopping by in person or online. I look forward to some great conversations and hope you have a great day. I love to help people have more confidence in their financial future. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility for. Here's the link to the Facebook Event page in case you want to join live in the future, https://fb.me/e/bkt6Tqabq Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. #MoneyNotMath #Money #5StoneFinancialGroup #EmptyNesters #RetirementPlanning #Investing

“Roger Federer's impact on the sport is maybe more than any man before him. His trademark style took the sport by storm and changed the way younger players approached it, essentially laying the groundwork for the next two decades of tennis. Beyond that even, his impact on the world of sport is clear for all to see and his position as a role model has never been questioned. Roger Federer is undoubtably the greatest tennis player of all time, but he may even be in the argument for the greatest athlete of all time as well.”- https://www.worldtennismagazine.com/archives/21793#:~:text=Beyond%20that%20even%2C%20his%20impact,of%20all%20time%20as%20well. What can that teach us about investing? Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. All these numbers are rounded for simplicity. Data sourced from "Probability of Positive Returns"- Dimensional.com and ultimatetennisstatistics.com. Past performance is no guarantee of future results. Please reach out with questions, comments, or requests for future topics. #MoneyNotMath #Money #Retirement #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #Investing #Tennis #RogerFederer #GOAT

2.7.24 Live Money Not Math free Coffee Talk recording How Small, Consistent Actions Can Pay Off BIG in Finance & Life https://financeinsights.net/KXVwTdjwPh06aK7SQEj4XHVZn7M?email=drew%405stonefinancial.com&fbclid=IwAR1N7gvKurlDwWOqraMzlIxc-DxnkkLjRgOfOw12Cf1A8MFbcSJoKod1O6k Uncertainty is Underrated https://www.dimensional.com/us-en/insights/uncertainty-is-underrated Weekly Money Not Math Coffee Talks are an informal way for me to have conversations and answer questions to people even if they aren't my clients for free. You are welcome to join the Facebook live to talk or stop by my office for some free coffee. There is no pressure to work with me or become my client by stopping by in person or online. I look forward to some great conversations and hope you have a great day. I love to help people have more confidence in their financial future. It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility for. Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. #MoneyNotMath #Money #Retirement #RetirementPlanning #5StoneFinancialGroup #action #success #investing #uncertainty