The Wiser Financial Advisor Podcast with Josh Nelson

Our topic today is one that comes up a lot. I think you know with both your clients and mine that when it comes to retirement there are different phases people go through during those years.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

We thought it would be appropriate to do a bit of an update and give you an opportunity to hear what we have to say and what the experts have to say about finding yourself in a correction here in 2025.  Josh Nelson CFP® and Jeremy Busch CFP® dive into the latest stock market trends and discuss the recent wave of volatility we've been experiencing. Their insights are especially timely in today's ever-changing financial landscape. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

Market volatility can feel a lot like hitting turbulence mid-flight—unsettling and unpredictable. In this episode, host Josh Nelson offers practical advice on how to stay calm and confident when markets get bumpy. He shares why staying the course matters, how to manage the anxiety that comes with uncertainty, and what it takes to ride out the storm until conditions smooth out. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

In this episode, Josh Nelson talks about Qualified Charitable Distribution which is a direct transfer of funds from your IRA to a qualified charity. Unlike regular withdrawals from your IRA, which are almost always taxable, QCDs allow you to donate money tax free. To help understand he answers 2 important questions. 1) Can I take an itemized charitable deduction for my QCD on my income taxes? 2) How do I set this up? Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

In this episode host, Josh Nelson along with Jeremy Busch will be talking about their forecast for 2025. This is something they do at the beginning of each year. They take a look at what last year gave us and analyze what we might be able to expect in 2025. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

In this episode host, Josh Nelson, explores the concept of phased retirement, a flexible approach to transitioning from full-time work to retirement. Learn how it benefits both employees and employers, with insights on planning, financial considerations, and work-life balance. Whether you're nearing retirement or supporting employees through the process, this episode provides valuable strategies for a smoother transition. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

For many people the end of the end means it's time to review what influences the end of the year might have on your taxes. And it can get complicated if you aren't aware of the rules. Are they the rules the same as they've always been? it's smarter to check in and find out than to assume  because the rules might have changed or they may be changing in the months to come. Listen to this episode because host Josh Nelson and Jeremy Busch lay it all out for you in a manner that you can understand. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

In this episode host Josh Nelson has a great topic for everyone to explore.              It's important to look at. And the younger you are, he highly encourages you to look at Roth IRAs and Roth 401K's. If you've got a long time horizon, this episode will probably work to your advantage too. While he can't say anything is guaranteed, the message in this episode could likely work to your advantage to have many years of tax-free growth by making Roth contributions. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

Josh is joined by Doug Josephson as they explore the important matters surrounding end-of-life planning. These issues are not only crucial for your loved ones but also for your own peace of mind. In this episode, we'll provide valuable insights and practical advice to help you navigate this complex landscape with confidence.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

What do you think the most important financial decision you can make is? Picking the right stock? Starting a 401K? Josh explains the most important financial decision you can make and helps you with options so that your decision really is the best financial decision for you. If you enjoy this episode please rate, review, subscribe, download and share it with family and friends. Also, feedback and topic suggestions are always welcome. Email Josh Nelson directly at josh@keystonefinancial.comInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

Show Notes:We hope you'll enjoy Josh Nelson's interview with Connor Sung, the director of eMoney's Financial planning group who has been instrumental in developing eMoney's technology, practice management, and planning services to support both advisors and their clients since 2013. They discussed their experiences with e-money, a financial planning software, and the impact of AI on financial planning technology. They also explored the evolving role of technology in their industry, the importance of financial education, and the future of the financial industry. Lastly, they discussed the potential of technology to enhance the quality of advice and drive innovation, and the need for clearer definitions among financial advisors, fiduciaries, and certified financial planners.E-Money Financial Planning Software EvolutionJosh and Connor discussed their experiences with e-money, a financial planning software. Connor, the Director of Financial Planning at e-money, shared his journey from a finance undergrad to his current role, highlighting his focus on financial planning technology and best practices. He noted the significant evolution of the software, particularly in collaborative planning and client experience, with a shift towards more personalized, interactive, and adaptable financial planning. Josh, a 25-year industry veteran, agreed with Connor's observations, emphasizing the importance of ongoing financial planning rather than a static plan.AI's Impact on Financial Planning TechnologyConnor and Josh discussed the impact of AI on financial planning technology. Connor highlighted the potential of AI in automating administrative tasks and building efficiencies into financial planning engagements. He also mentioned the development of a rules engine to suggest topics or techniques for advisors to discuss with their clients. Josh inquired about the integration of AI into client communication and documentation, to which Connor responded that while AI is already being used in these areas, its application in personalized planning engagements is still being explored. They both agreed that AI will continue to shape the future of financial planning technology, with potential applications in autonomous planning and client-led planning. Connor also stressed the importance of data cleanliness for effective AI models, estimating it may take 18 to 36 months for technology to adapt. The team agreed to send the final product to Vito for distribution to the team and discussed the expected timeline for AI adaptation and potential impact on the industry.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

Celebrate a milestone with us as we honor Josh Nelson's 25-year journey in the financial advisory world! Learn how early financial lessons from his parents and a job as a credit union teller ignited Josh's passion for guiding others toward financial stability. Join his wife, Sarah Nelson, as she hosts this special episode, offering a heartfelt and detailed look at the mentors, pivotal opportunities, and perseverance that marked Josh's career.Discover the insights and entrepreneurial decisions that shaped Josh's professional path, including his time at AG Edwards and his eventual decision to establish his own independent firm. You'll hear about the importance of building strong client relationships, the challenges of navigating industry changes, and the satisfaction that comes from helping clients through various life stages. Josh's experiences offer valuable lessons on the significance of mentorship, seizing opportunities, and the power of dedication to one's craft.We also delve into modern financial advising tips, emphasizing timeless principles like diversification and the "pay yourself first" strategy. Gain a deeper understanding of how financial planning has evolved, including the shift to fee-only models and comprehensive advice. Reflect on the parallels between maintaining financial stability and the resilience of airline pilots, showcasing how a competitive spirit and commitment to helping others can drive long-term success. Don't miss this episode filled with wisdom, practical advice, and a celebration of a remarkable career in the ever-evolving world of financial advising.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

Welcome, and thank you for listening. In this episode Josh Nelson and Jeremy Busch talk about the status of the economy in mid 2024. This is the audio from a video recording that you can find here: https://www.youtube.com/@keystonefinancial.comInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

 In this episode, host Josh Nelson dives into a topic that has been debated and discussed quite a bit in the financial planning community: the 4% rule. Is it still relevant, or is it outdated? He answers the question, 'What is the 4 percent rule?' Perhaps it's not so much a rule as it is a guideline for ensuring we have enough money as we get older.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

In this episode, host Josh Nelson, CFP®, welcomes back Cheri Smith the founder of Wishes and Waves Travel. Dive into the dynamic world of travel post-pandemic, exploring how Cheri turned her passion for Disney vacations into a thriving travel business. Cheri shares insights on the latest travel trends, from the rise in cruising to navigating crowded tourist hotspots like Italy and Greece. Discover her expert tips on planning memorable, budget-friendly trips and hear about her own globe-trotting adventures. Whether you're dreaming of a multi-generational family vacation or an exotic getaway, Cheri's advice will help you turn your travel wishes into reality. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

In this episode, Josh Nelson, CFP®, has an insightful conversation with Maria Quinn, a senior advice strategist at Vanguard's Investment Advisory Research Center. Vanguard, one of the largest and most respected financial institutions globally, has conducted extensive studies on the value of high-quality financial advice.  The discussion focused on Vanguard's advisor study, which has quantified the benefits of high-quality financial advice. Emphasizing that not all advice is created equal, the conversation covered wealth management, investments, behavioral coaching, and thought leadership in the financial advisory industry. At Keystone Financial Services, as fiduciaries and Certified Financial Planners, we believe this conversation offers valuable insights into achieving better financial outcomes. Enjoy the podcast and we hope you gain a deeper understanding of the importance of expert financial guidance. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

Join Josh Nelson, CFP®, as he dives into a conversation with Trey Robinson, founder of Story Amplify and a seasoned entrepreneur. In this episode of the Wiser Financial Advisor podcast, Trey shares his journey from corporate America to entrepreneurship, offering valuable insights into the mindset required for success in the business world. From embracing risk to leveraging AI, Trey delves into key strategies for aspiring entrepreneurs and discusses the evolving landscape of digital marketing. Whether you're a budding entrepreneur or a seasoned business professional, this episode offers practical advice and inspiration for your journey. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

In this episode, Josh Nelson, CFP®, tackles the biggest problem in most marriages. Money. He explains how recognizing the difference approaches, values and backgrounds in play are essential in every marriage. Ultimately the secret is really something we do quite often every day. So, as you listen just know you already hold the key that can make, or keep, your marriage strong and help make life flow so much smoother, financially and otherwise. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

In this episode of the Wiser Financial Advisor, host Josh Nelson, CFP® delves into strategies to minimize your tax bill. Josh discusses the importance of proactive tax planning and how working with a Certified Financial Planner can help optimize your finances. From leveraging lesser-known tax-saving strategies to navigating changes in tax laws, this episode offers valuable insights to keep more of what you earn. Tune in to learn practical tips for reducing your tax burden and building a brighter financial future.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

In this episode, Josh Nelson, CFP®, confronts a sobering reality: while Americans excel at consumption, our proficiency as investors often falls short. In this episode, we delve into the disparity between the pain of being a consumer and the power of being an owner. Join me as we dissect the nuances of wealth generation and explore how to bridge the gap between consumerism and investment prowess. Let's embark on this journey together towards financial enlightenment.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

Today's topic is very important about seniors and the need to protect them from financial abuse. Seniors are targets for scammers of all kinds and too often there's no one able to help them determine whether they are being scammed or not. In this episode, Josh Nelson, CFP®, gives us some thoughtful and useful ways to help protect seniors and keep them safe from harm. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

 In this episode, Josh Nelson, CFP® shares the model of Keystone Financial and how their model and structure benefits clients and potential clients. Also, he covers important details investors and potential investors should know about creating a diversified portfolioInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

 In this episode Josh Nelson, CFP® and Jeremy Busch, CFP® do a quick overview of how the economy fared in 2023 and how 2024 may take off from there. Taking into account that 2024 is an election year and that there are a number of global insecurities in play. The question is will the economy follow the historical course of years 1 through 4 of a presidency? Will national and/or world events affect the economy? Tune in to get more thoughts and perspectives about these and other questions. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

In this episode host Josh Nelson talks about the Tax Cuts and Jobs Act which was signed into law back in 2017. Those tax cuts when signed into law were set with an expiration date at the end of 2025. Keystone Financial clients are wanting to know what will happen when they do. If you're wanting to know as well, this episode will be helpful for helping you make the right financial decisions for your future financial success.  Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

 In this episode host Josh Nelson takes a look back on the year 2023 and a look forward at the positive prospects, personal and financial, for 2024. Thank you for listening to The Wiser Financial Advisor through 2023. 2024 will continue to provide more great wisom to help you become happy, safe and secure in all aspects of your life.  All of our past episodes are located on your favorite podcast services as well as going to wiserfinancialadvisor.com. Merry Christmas and New Year.  Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

In this episode hosts Josh Nelson and Jeremy Busch dive into the topic of caregiving.  We believe you're going to find it very interesting and enlightening, not only from a financial standpoint but also from a practical standpoint in how you can best support  the ones who need caregiving assitance in your life now, or will be in the furure. Perhaps even for yourself sooner or later. You're going to find this is a important and an enlightening topic, one that we're all going to face at some point in our lives. Enjoy and God bless.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

Knowing the rules helps things go smoothly, whereas not understanding the rules can not only mess you up, sometimes it costs you money. And sometimes it's just an opportunity lost. So that's really what we're talking about today—the milestones and what hitting these milestones will allow you to do as far as opportunities. Most of these things in this episode involve a limited timeframe, or very specific timeframe,  so it's pretty important to act when you can. Full transcript is available. Click on Transcript above. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

Financial advisors need to be good communicators. We need to speak a language that makes sense for people. We've got people that are senior level chip design engineers at big companies and people that are plumbers and self-employed and everything in between. Our job is to communicate with you and help you make some great choices about finances. A coach is a person who helps someone see what they may not be seeing to help them be their best. We are financial coaches here to help you know exactly what you need to know when it comes to financial strategy and management. Thanks for listening and for supporting The Wiser Financial Advisor Podcast.In this podcast: (View Chapters)1.Financial Lingo and Clarity2.Four Pillars of Personal Finance3.Financial Advisor Experience4.Timing of the Four Pillars5.Where You Are and Where You're Going6.Financial CoachingInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

In this episode Josh Nelson CFP® and Jeremy Busch CFP® discuss tax insights, covering income, expenses, capital gains, retirement, charity, HSAs, business deductions, RMDs, estate planning, and stock options. This overview of strategies may help to reduce your tax burden before year-end. Topics covered in this podcast and the transcript include:Ten thousand hoursBalance Sheet and Cash Flow StatementsTax Rules on Gains and LossesTax DeductionsRules and Limits on Tax-deferred AccountsCharitable GivingMedical Savings AccountsTiming on Business DeductionsRequired Minimum DistributionEstate PlanningClosing and How to Contact WFATo view the webinar on YouTube click the link belowhttps://www.youtube.com/watch?v=eGDi1tPNpJkInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

Three years ago The Wiser Financial Podcast was just a dream. Well, this month we are celebrating our podcast birthday. In this episode our gift to you is a layout of 5 specific things that will help to improve your financial status and align your finances with your priorities.  Many lives have been positively touched by the information we've presented over the past three years and we're looking forward to helping even more people in the years ahead. Thank you so much for listening and for helping us spread the word and encouraging people to check out The Wiser Financial Advisor Podcast.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

In this episode Josh Nelson and Jeremy Busch help you with understanding the Equity awards you may be getting with your company and how you can use them to build financial security. They are a significant way for companies to incentivize their employees. In fact, many clients with Keystone Financial have made much more money in their careers from the equity awards offered by their company than they received  in compensation from their salary and bonuses. So it can be a substantial wealth creation tool for you. Plus they explain several of the types of Equity programs that are available. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

Today we thought it would be interesting to do a portfolio sanity check on all the turbulence and craziness of the last few years. Some of what we talk about is going to make you question or maybe reaffirm what you're already doing, which could result in some changes in how you'll manage your portfolio. We want you to really understand what's involved in those decisions and what the outcomes end up being.A transcript of this episode is posted and episode chapters have been created for your convenience. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

This episode gets into a very important topic: estate planning with your family, with your loved ones, especially parents, grandparents, other people that you might be responsible for as they get older.  It's SO important because without one, family assets could easily end up becoming property of the state, among other reasons. Listen and learn exactly what needs to be in an estate plan. Learn how a Will and an Estate Plan are different and why you absolutely need both. A transcript of this episode is provide. Click on 'Transcript' above.Chapter markers are also included for you. Click on 'View/Chapter' to the right.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

Hi everyone, welcome to the Wiser Financial Advisor! Today we're going to dive deep into a trend that we're seeing. People thinking about what their retirement might look like after they are done working. On this episode we're going to talk about the top 10 questions to ask when relocating in retirement. Transcript is available here.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

Today we're going to talk about two important topics, that are especially important for people over the age of 62.  Naming a power of attorney and naming a trusted contact for your investment accounts.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

In this episode hosts Josh Nelson and Jeremy Bush provide an economic review for the year 2023 . They talk about where they think the economy stands so far for the year and what the experts are saying may be ahead. Browse through the Chapter markers.A transcript of this episode is included.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

 A question that many investors ask is, “How often should I log in and look at my stuff?" Is it twice, three, four times a quarter, or more?  In this episode host Josh Nelson wants to make sure you really know the right answer because it could cost you a lot of money if you don't know. Thanks for listening and if you like this episode share it with others. We appreciate it. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.comhttps://www.keystonefinancial.com/team/macy-chapman

Today, we'll be talking about women and money, charting the financial course. It's critical that women know how to save, invest and plan. And of course, it's important that everybody know how to do that, But it's important that you know both sides of the equation for men and women, because there are some unique issues applicable to women. Chapter markers are an option (above) to help make it easy to navigate through the variety of topics coming up in this episode.  Comments, questions and suggestions for future episodes are welcome. Thank you for listening.http://keystonefinancial.com http://communications@keystonefinancial.comhttp://jeremy@keystonefinancial.comhttp://sarah@keystonefinancial.comhttp://josh@keystonefinancial.comInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

Host Josh Nelson sits down and talks money with fellow CFP Mark Willis. Together they are on a mission to help you think about your money differently and intelligently.Mark Willis is a three time #1 best selling author, owner of Lake Growth Financial Services in Chicago Illinois and co-host of the podcast "Not Your Average Financial Podcast".Lake Growth Financial Serviceshttps://lakegrowth.comNot our Average Financial Podcasthttps://podcasts.apple.com/us/podcast/not-your-average-financial-podcast/id1288766770Keystone Financial Serviceshttps://www.keystonefinancial.com/Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

This podcast dives into the pros and cons of the most common college tuition assistance programs available in 2023 as well as others options that may support or replace traditional tuition assistance.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

Deciding on college is about so much more than just picking a school to attend.  Problem is, in many cases, neither the student nor the parents are given the knowledge to make sure all bases are covered and the process is done right. In this episode, host Josh Nelson speaks with Kelly MacLean who has years of experience in guiding families through the process so that your student doesn't just graduate college, but is academically and financially prepared to hit the ground running when starting college and once they have graduated. Contact Josh Nelson.https://keystonefinancial.com/podcastContact Kelly MacLeanhttps://www.kelly-mac.com/Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

Teach these principles to help ensure that your younger or older kids are set up to live their adult life in solid financial security.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

There's certainly been a lot in the news in the past few weeks about the troubles of several financial institutions in the US and other parts of the world. For many this news is troubling. What does it mean, if anything, regarding your money, your investments, your future? That's the topic that hosts Josh Nelson and Jeremy Busch get into in this episode to help you understand what you might need to watch out for and, if necessary, what options you might have to keep your money safe.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

Why does ESG investing matter, and how does it work?Consumer behavior has changed and has become more focused on  sustainability. Like recycling, minimize waste and making greener choices. Which influences decisions around finances and investment choices.In this episode host Josh Nelson, founder and CEO of Keystone Financial Services in Loveland, Colorado, gives clear advice to investors and potential investors who want to use their money to finance companies committed to these practices. ESG investing, also known as sustainable investing, has seen exponential growth as investors seek to provide capital for companies whose values on environmental sustainability and social responsibility align with their own.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

In this episode host Josh Nelson and Co-host Jeremy Busch discuss the changes in the issues from 2022 to 2023 in both the world and in finances and what may be ahead. This is also on video at the Keystone Financial on YouTube at https://www.youtube.com/watch?v=7An14rKzAQ8Contact: http://keystonefinancial.comInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

On this episode host Josh Nelson talks to one of the top 25 economist in the country , Laurence Kotlikoff, about inflation and it's effects on your money now and in the future, as well as retirement.  Laurence Kotlikoff is a professor of economics at Boston University, president of Economic Security Planning, and a New York Times best-selling author.Contact:https://kotlikoff.net/https://joshnelson@keystonefinancial.comInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

Hi, Everyone. Welcome to the Wiser Financial Advisor with Josh Nelson, where we get real, we get honest, and we get clear about the financial world and your money.    Recently I had the opportunity to sit down with Carolyn Czaflick, portfolio specialist at Morningstar Investment Management. Carolyn is responsible for communicating the firm's investment philosophy process and strategies, and she participates in the portfolio management meetings, serving as liaison between the portfolio managers and the firm's clients. She brings 25 years of industry experience to our talk about the economy, the markets, all the craziness and volatility that's out there, what it takes to be a solid investor and get through tough times as well as good times. This is about strategy, not market timing, and really getting back to basics as far as what's important when it comes to being an investor. I think you're going to find this highly valuable.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

Recently host Josh Nelson had the opportunity to visit with Danielle Roberts, a founding partner at Boomer Benefits, which is a national agency specializing in Medicare-related insurance products since 2005. She is a nationally recognized expert in the Medicare and health insurance industry and the author of the bestselling book 10 Costly Medicare Mistakes You Can't afford to Make  which is on Amazon and Barnes and Noble.  Their conversation focuses on what challenges a lot of people face as they're getting older and transitioning into retirement or early retirement, figuring out what to do for medical benefits. Danielle Roberts helps making the walk through the Medicare maze easier for you. Resources:National Association of Underwritershttp://nahu.orgBoomer Benefitshttps://boomerbenefits.com/Josh Nelsonhttp://keystonefinancial.comThe Wiser Financial Advisor Podcasthttps://www.keystonefinancial.com/podcastInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

Host Josh Nelson speaks with marriage and divorce attorney Judith Kaluzny.Judith Kaluzny has  practiced divorce and family law in Fullerton, County of Orange, for over 25 years.  She began learning to mediate in 1986 and has been trained as a mediator in the best programs, more than 100 hours.DISCOVER  PROVEN POSITIVE RESULTS THROUGH  MEDIATIONContacts:https://www.judithkaluzny.com/http://www.keystonefinancial.comInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

Hi, Everyone. Welcome to the Wiser Financial Advisor with Josh Nelson, where we get real, we get honest, and we get clear about the financial world and your money.    Recently I had the opportunity to sit down with Carolyn Czaflick, portfolio specialist at Morningstar Investment Management. Carolyn is responsible for communicating the firm's investment philosophy process and strategies, and she participates in the portfolio management meetings, serving as liaison between the portfolio managers and the firm's clients. She brings 25 years of industry experience to our talk about the economy, the markets, all the craziness and volatility that's out there, what it takes to be a solid investor and get through tough times as well as good times. This is about strategy, not market timing, and really getting back to basics as far as what's important when it comes to being an investor. I think you're going to find this highly valuable.For more click on "Transcript" above.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman

Congratulations to The Wiser Financial Advisor for achieving the milestone of 100 episodes published. This episode features questions from everyday people about host Josh Nelson who takes a nostalgic look back since beginning the podcast, as well as how Keystone Financial Services have helped people with establishing good financial habits and how their clients and podcast followers have returned the benefits. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh: https://www.keystonefinancial.comEditor: Tim Leaman/info.primegen@gmail.comMarketing Director: Macy Chapmanhttps://www.keystonefinancial.com/team/macy-chapman