UnCommon Cents

In this episode, my guest and I discuss several options for saving for college or for a Child's future.We discuss: FL Prepaid / 529 SavingsCoverdell ESA & UGMA/UTMAand more...How much do you need to saving in a 529 plan? Check out this College Savings Calculator here. You can reach me or one of my team members at 561-744-9516Visit us online at www.UnCommon-Cents.comDisclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. 

In today's episode, we are discussing how to "Master Our MasterCard". Is it possible to get all the benefits while reducing the dangers that come with credit card use? I believe so, and I will share my tips to Mastering your MasterCard rather than it mastering you.Visit www.RichChickJen.com for the Savvy Wealth Management Course Join the UnCommon Cents Facebook group here.Follow me on Instagram @ RichChickJenContact me at jen@smartplaninvesting.comDisclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. 

It's St. Paddy's Day! On today's episode I talk about my surprising ancestry, guess what? I'm Irish. We'll explore the history of St. Patrick's Day. Who is St. Patrick and why do some drink to celebrate? We'll look at some other fun facts too. Oh yeah, and many Americans are seeing green today and I don't mean for St. Paddy's Day. Many are discovering a little pot of gold in their bank accounts or mailboxes. Listen as I share my 10 top ways to spend your stimulus money these days.Disclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. 

On today's show I'm going to share three simple rules to investing that I follow, the three things I avoid, and break down an academic investing strategy I utilize.Is this just a passing fad?Disclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. 

Since we are in tax season we are going to explore a little history of how income taxes came to be, and how you can legally, morally, and ethically pay less of them? I don't know anyone who likes to pay taxes, but there are ways you can reduce your fair share. No one wants to pay more than they need to, so there are many ways to reduce one's tax liability and one way is by funding one's retirement. In addition to funding a 401(k), you may be able to fund a Traditional, Roth, or Both. Some may need to fund the Roth using the backdoor method. https://www.irs.gov/retirement-plans/ira-deduction-limits NOT covered by a plan at work https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-not-covered-by-a-retirement-plan-at-workIf you ARE covered by a plan at workhttps://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-workAre you a small business owner or self-employed, you may want to contribute more than 6 or 7 thousand a year.  I'll chat briefly about the SIMPLE IRA, SEP-IRA, and Solo 401(k).https://www.irs.gov/retirement-plans/one-participant-401k-planswww.uncommon-cents.comJoin the UnCommon Cents Facebook group here.Follow me on Instagram @ RichChickJenDisclaimer:Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor that has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartP

Today we're going to take a look at what lessons we can learn from a professional athlete. I was reading an article about a professional athlete's diet and fitness routine. The article went on the detail his daily routine as well and here I found some very helpful distinctions we can borrow for our lives. www.uncommon-cents.com Join the UnCommon Cents Facebook group here.Follow me on Instagram @ RichChickJenDisclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor that has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee a profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not necessarily represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are not a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved.

In this episode of UnCommon Cent$, I go backstage to have a real conversation with my team member Robroy Wiley about debt mindset. We also will talk about the implication of the extension of the CARES Act repayment of Student Loans and interest charges relief extended through September 30, 2021, by President Biden. Disclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. 

In this episode of UnCommon Cent$, I go backstage to have a real conversation with my friend and a fellow Advisor/Coach about faith, family, finances and how his purpose saved his life. Disclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing  will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. 

In today's episode, we talk about money mindset, budgeting, and credit repair hacks. This episode is packed full of UnCommon cents. Disclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor that has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations, can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessesarily represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. 

In this episode of UnCommon Cents we are talking Investing Lingo.Have you ever been in a conversation when other starts talking about investing, and you had no idea what they were talking about?Do you ever wish you could join in on those conversations with confidence?You can. Stay tuned as I teach you what I know.Before you know it you can be a walking, talking, Financial Ninja.Disclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing  will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. 

In this week's episode, we are going backstage to explore one of the common investing myths. A myth is something we believe to be true, but when it comes to investing something are just not the way they appear.  The first myth is a common investing pitfall and is can be destructive. Join us as we dive into the first myth, Stock Picking. Join the UnCommon Cents Facebook group here.Follow me on Instagram @ RichChickJenDisclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing  will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. Publish: Jan. 20, 2021 @ 1PM EditPublishTranscript is Live

Join me backstage in this new year to have a real conversation about what else? Resolutions, goals, and better yet our uncommon solutions to discovering the power to fuel your resolutions and goals.I have a complimentary Weekly Commitment Guide that you could download by visiting us online at www.Uncommon-Cents.com If you decide to do this exercise, we want to hear how it is working out. Email us at info@smartplaninvesting.com And be sure to put UnCommon Cents-Goals in the subject line. You can follow me on Instagram at @RichChickJenJoin the UnCommon Cent$ Facebook group here. Disclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing  will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS© 2020 SmartPlan. All rights reserved. Episode is Not Live

Welcome to Uncommon Cents, a podcast fostering real conversations about money. This podcast is designed specifically for eager investors who want to get real about money, investing, and winning at their dreams. I'm Jennifer Foster, your host, a former Administrative Assistant turned American Dream leader and Investing Strategy coach. With over 17 years in the financial services industry, I've witnessed firsthand what worked and, sadly, what didn't. I'll go backstage each Wednesday with friends to have real, honest, and uncommon conversations about one of the most important and taboo topics- money. My goal is to give you down to Earth episodes filled with uncommon sense so that you have an opportunity to discover something new. Be at the edge of your seat as we unleash the possibilities of transforming your thinking and actions so that you can gain confidence and win at your personal financial journey. So let's begin this journey together.In this episode of UnCommon Cents, I give you an opportunity to get to know me.  A girl who should have never graduated High School, from being pregnant and homeless to becoming one of the Premier Investor Coaches of South Florida and how we can begin a journey to transforming our thinking and actions around money and investing. Buzz Sprout Ad:Are you a podcast junkie like me? If so, you've probably thought about starting your own.Well, I can tell you first-hand, starting a podcast is one of the best decisions I've ever made. But it can be overwhelming if you don't know where to start. Well, that's where Buzz Sprout comes in. Buzz Sprout is hands down the easiest and best way that I have found to launch a professional podcast. In fact, they're so good that they've already helped over 100,000 people launch their own podcast. Buzz Sprout will get you in your podcast on every major podcasting platform like Apple podcast, Spotify, Google Podcast, and more. You'll get a great looking podcast website audio players that you can drop into other websites. Detailed analytics to see how people are listening tools to promote your episodes and on and on. Buzz Sprout posts new blog posts, post podcast episodes, and YouTube videos every week, so you can learn the ends in the outs of podcasting from the people that eat, drink, and breathe it. To start your own podcast and to get a $20 Amazon card, click here. This lets Buzz Sprout know that I sent you and helps support the show. Buzz Sprout is a fun and easy way to start a podcast. I want to thank you for joining me on the very first episode of UnCommon Cents and in the holiday spirit, I have a free gift for you. It is a checklist on the 7 Savvy Steps for Slaying Credit Card DebtYou can get your copy by visiting us online at www.uncommon-cents.com and you can download the checklist. Join the UnCommon Cents Facebook group here.Follow me on Instagram @ RichChickJenI look forward to seeing you each week in 2021. Have a blessed holiday season!Disclaimer: Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.Presentations conducted online pose a number of issues that i