Podcasts about Fiduciary

5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains Investing in today's world can feel complicated, but it doesn't have to be. Fiduciary financial advisor Wes Moss breaks down the "5 Pillars of Investing" for both good times and bad. Also, he shares a powerful strategy to potentially pay 0% on your long-term capital gains, based on new tax law changes. Mentioned on the show: The 4% rule is now the 4.7% rule. Here's why that matters. There's a ‘golden opportunity' to pay 0% capital gains under Trump's ‘big beautiful bill,' experts say Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 16, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®   Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to take control of your finances and break free from the mental traps that sabotage your savings? In this episode of Dollars & Sense, hosts Joel Garris and Zach Keister share their expert advice on building stronger personal financial habits, including face-the-numbers budgeting and the power of automating savings. But they don't stop there—they dive deep into the surprising ways your mind can trick you through cognitive biases, revealing how illusions of control, hindsight, anchoring, and recency bias can derail even the best financial plans. From actionable tips like the 50/30/20 rule and crafting an emergency fund, to fascinating real-world stories of clients who overcame credit hurdles, this episode is packed with insights for listeners at every stage of their financial journey. Joel and Zach break down the psychology behind money decisions, offering easy-to-follow strategies to help you stay focused, avoid costly mistakes, and make the most of your hard-earned dollars. Curious about how to protect your investments, boost your financial confidence, and outsmart the common biases holding you back? Click to listen and empower yourself with the tools and wisdom to achieve lasting financial wellbeing—and maybe even learn how to make your favorite cocktail along the way! 

Ready to hit the road toward your dream retirement? In this episode of "Your Retirement Highway," Kyle Jones and Matt Allgeyer take you on a lively ride through the crossroads most savers face: Do you trust a financial advisor with your future or navigate the retirement landscape solo? From epic football weekend detours to the tricky psychology behind money decisions, they share stories that hit close to home—and might make you rethink what you thought you knew about “going it alone.”Tune in for candid confessions, a dash of humor, and some myth-busting moments about the risks and rewards of getting professional help. Why do some people shy away from advice? Are advisors really worth it—or is DIY better for your wallet (and your nerves)? The answer isn't as simple as it seems. If you're curious to hear what most millionaires have in common, or the biggest mistakes that could cost you in retirement, buckle up—this episode promises some eye-opening turns and practical wisdom you won't want to miss!

While the core principles of Reg BI and investment advisor fiduciary duty remain consistent, regulatory expectations continue to evolve through examinations, enforcement actions, and formal guidance.In Part 1 of this conversation, our experts explore the foundational similarities and differences between Reg BI and fiduciary duty, unpack how regulators are sharpening their focus on documentation, conflicts of interest, and the firm-level processes that shape recommendations.Oyster Consulting has the expertise, experience and licensed professionals you need, all under one roof. Follow us on LinkedIn to take advantage of our industry insights or subscribe to our monthly newsletter. Does your firm need help now? Contact us today!

Are you prepared to safeguard your financial future and tackle the challenges of estate settlement? In this episode of Dollars & Sense, we dive deep into the essentials of risk management—from understanding investment volatility to balancing risk and reward for lasting financial health. Discover practical strategies like diversification, setting clear financial goals, and building emergency funds to protect what matters most. But that's not all! We also unravel the complexities behind estate planning and the often-thankless role of the executor. Learn how to avoid common pitfalls, reduce family conflicts, and streamline the process for a smooth transition of assets. Packed with insights from the acclaimed "Dollars and Sense" and "Next Gen Dollars and Sense" books, this episode equips you with actionable tips to take charge of your finances and confidently navigate life's big transitions. 

In this episode of Benefits Bites, hosts Mike Stull and Madison Connor dive into the basics of fiduciary responsibilities all plan sponsors should know. They discuss the definition of a fiduciary, the key responsibilities that come with this role and the importance of compliance with legal standards. Register for upcoming Employers Health webinars or watch on demand at https://www.employershealthco.com/resource-center/events/ Sign up for our monthly newsletter at https://www.employershealthco.com/#subscribe_cta Find additional helpful benefits strategies and resources at https://www.employershealthco.com/resource-center/articles/

The Power of Dividend Growth Explained and Is the Midwest the Next Silicon Valley? Should we fall in love with dividends? Fiduciary financial advisor Wes Moss tackles the classic debate of stocks versus bonds with a deep dive into the power of dividends. Using data going back 45 years to 1980, Wes reveals how an investment in the S&P 500 would have dramatically outperformed bonds, with dividends growing by an incredible percentage. Also, Wes shares a fascinating look at the future of American manufacturing. He draws a comparison between the 1950s and today, highlighting the huge growth in productivity and innovation. Wes argues that the next big frontier for economic growth might not be in Silicon Valley, but in the heart of the Midwest, thanks to modern-day "George Jetsons" and a renewed focus on high-tech manufacturing. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 2, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Rob Gerberry, Senior Vice President and Chief Legal Officer, Summa Health, speaks with Michael Peregrine, Partner, McDermott Will & Schulte, about a little-known element of fiduciary responsibility that could potentially have an outsized impact on director exposure: the so-called “duty of candor.” They discuss what the duty of candor is, who owes this particular fiduciary duty, how the duty of candor kicks in during a typical corporate scenario, and how a recent decision from the Delaware Chancery Court has highlighted this issue.Watch this episode: https://www.youtube.com/watch?v=4UejhDhNTh8Essential Legal Updates, Now in Audio AHLA's popular Health Law Daily email newsletter is now a daily podcast, exclusively for AHLA Premium members. Get all your health law news from the major media outlets on this podcast! To subscribe and add this private podcast feed to your podcast app, go to americanhealthlaw.org/dailypodcast. Stay At the Forefront of Health Legal Education Learn more about AHLA and the educational resources available to the health law community at https://www.americanhealthlaw.org/.

Ready to supercharge your retirement strategy? In this episode of "Dollars and Sense," host Joel Garris tackles two of the biggest questions facing today's retirees: how to check off the 5 essential boxes for early retirement, and how to demystify Required Minimum Distributions (RMDs) so you can keep more of what you've earned. Discover the crucial steps you must take if you're dreaming of leaving the workforce before age 65 — from navigating health insurance to maximizing your retirement contributions, deciding the best time to claim Social Security, and the importance of vanquishing high-interest debt. Then, get the inside scoop on RMDs: what they are, why they matter, how rule changes could impact your withdrawal strategy, and smart ways to avoid costly tax surprises. If you want to retire with confidence, avoid common pitfalls, and make sense of the latest financial rules, this episode delivers expert advice, practical tips, and a lively conversation designed to empower your financial future. Tune in now and set yourself up for retirement success! 

Pippa speaks to Renette Hendricks, the director in charge of the Fiduciary department at Personal Trust, about the concept of living wills. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Buckle up, because on today's episode of “Your Retirement Highway,” Kyle Jones and Matt Allgeyer take you for a ride through some of retirement's biggest blind spots. Are you just cruising along, convinced your financial plan is on autopilot, or wondering if you might hit a few unexpected bumps down the road? From surprising market detours to the hidden costs of healthcare and taxes, the duo dive into real stories, relatable mishaps, and a handful of laughs—all wrapped up in St. Louis's longest-running retirement show.Thinking the road to retirement is smooth sailing? Think again! Matt and Kyle share why those first years after you hang up your work boots are absolutely crucial, and why guessing what you'll need is not your best route to lifelong security. With fresh tales, cautionary advice, and a few twists you won't see coming, this episode will have you thinking twice about your next financial move. Press play to discover if you're truly prepared—or if your retirement plan has a few potholes that need patching!

Taking on the role of trustee means stepping into a position of significant responsibility that comes with legal obligations many people don't fully understand. This enlightening discussion between attorneys Haley Matson and Jordan McIntyre breaks down the critical aspects of being a trustee and managing someone else's assets as a fiduciary.The attorneys clearly explain that accepting a trustee position means you're legally bound to a set of duties including loyalty, impartiality, and prudent administration. They highlight the specific legal frameworks governing these responsibilities, pointing to Chapters 32C and 36 of North Carolina law where these duties are formally outlined. For anyone serving as a trustee, understanding these legal requirements isn't optional—it's essential to protect both the beneficiaries and yourself.The conversation takes a practical turn when the attorneys identify the most common pitfalls they've observed in their practice. They emphasize the dangers of mixing personal and fiduciary funds, particularly when close family relationships are involved. Using trust assets for personal benefit, ignoring the explicit terms of trust documents, and failing to keep detailed records can all lead to serious legal consequences. Their advice is straightforward: document everything, communicate openly with beneficiaries, and seek professional guidance when needed. McIntyre Elder Law offers comprehensive support for trustees, from explaining document terms to handling accountings or even taking over administration duties when the responsibility becomes overwhelming. Whether you're a new trustee just learning your duties or an experienced one facing challenges, their team is available for consultation at offices in Shelby, Charlotte, and Hendersonville.Ready to understand your trustee responsibilities better? Schedule a free consultation by calling 1-888-999-6600 or visiting the firm's website to explore their educational resources on fiduciary duties and trust management.

A retired couple's home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using it as a fortune teller. Find out how you can use AI to your advantage while avoiding the dangerous pitfalls of letting it make your big financial decisions for you. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 26, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever cornered a financial advisor at a party with your burning money questions? In this episode, Travis Maus and Kerstin Driscoll-Witt unpack the hilariously awkward—and surprisingly insightful—moments when finance meets finger food. From retirement myths to crypto confusion, they tackle the big questions people should be asking (but usually don't). Kerstin shares how she found her way into the retirement planning world and why cookie-cutter advice just doesn't cut it. If you've ever wondered whether your retirement plan is actually a plan—or just a hope and a prayer—this one's for you. Tune in and learn how to stop winging it with your money.

How could recent legal opinions shift state and private sector climate change obligations? Maurits Dolmans, Cleary Gottlieb, discusses how to rethink the obligations of fiduciary duty relative to climate action; why it may be the key to solving the climate prisoner's dilemma; and what a legal framework for impact could look like.

Strap yourselves in for this week's episode of "Your Retirement Highway," where financial aficionados Kyle Jones and Matt Allgeyer of Fyra Capital Management guide you through the ever-changing landscape of retirement planning. Feeling adrift amid market volatility, soaring energy costs, and inflation fears? You're not alone—but fear not! Kyle and Matt have your roadmap to help you make sense of the chaos and set your course straight toward the retirement you've envisioned.In this engaging episode, we uncover key insights into maintaining your financial momentum amidst challenges as monumental as AI's rise in energy demand and steep market valuations. Can you balance the preservation of your nest egg with capturing market opportunities? What exactly does Warren Buffett know that most investors overlook? From the art of compounding to tax strategies, we've got the talking points to fuel your financial confidence. Don't miss out on this enlightening trip through today's financial maze—your future self will thank you for it.As always, remember this journey is educational—enlist the guidance of legal and compliance experts to ensure your personal situation aligns with your financial map.

InvestmentNews Podcast host Bruce Kelly invites Knut Rostad to the show to discuss the fiduciary standard and how it impacts investment advisors.

A licensed Attorney and Real Estate, Business, and Operations Executive, Kevin has $900M in strategic real estate transactions, business development, estate planning, and revenue generation to his credit.Visit his website here: https://lionpridetrustee.com/about

Jenny Kiesewetter has more than 24 years of experience advising businesses in ERISA, employee benefits, compensation, fiduciary responsibility, and compliance matters.As a member of the firm's Employee Benefits and Tax Practice in Nashville, she advises clients on all aspects of employee benefits and executive compensation, including qualified and nonqualified retirement plans, health and welfare benefit plans, cafeteria plans, severance plans, and equity-based compensation plans.Jenny has also worked with businesses and investors during mergers and acquisitions, focusing on due diligence and compliance related to employee benefit plans, including retirement, health and welfare, and executive compensation plans. Additionally, she has worked on many post-acquisition employee benefit matters, specifically related to plan compliance and correction.Jenny earned her law degree from the University of Tennessee College of Law, Knoxville, as well as a master's in communications. She earned her undergraduate degree from the University of Florida. She has been consistently recognized by U.S. News - Best Lawyers for ERISA Litigation and Employee Benefits (ERISA) Law.Jenny is a frequent speaker and author on topics including ERISA, employee benefits, retirement plans, health plans, and statutory and regulatory compliance. To subscribe to her LinkedIn newsletter “ERISA Explained,” please visit - https://www.linkedin.com/newsletters/erisa-explained-7083416224222601216/ In this episode, Eric and Jenny Kiesewetter discuss:Fiduciary responsibility in ERISA health plan oversightConducting proper due diligence for health plan service providersSecuring and ensuring access to health plan dataReviewing provider fee disclosuresKey Takeaways:Selecting and monitoring health plan providers is an ongoing fiduciary function. Sponsors must document their decision-making and maintain oversight even after hiring a provider.When choosing a broker or advisor, conduct thorough due diligence. Interview multiple candidates, review their experience, services, and fees, and ensure they fit your organization's needs.Plan sponsors should secure access to all necessary health plan data. Owning and understanding this data is critical for informed fiduciary decisions and compliance with federal laws.Review 408(b)(2) fee disclosures from health plan service providers. Missing or incomplete disclosures can create compliance risks and may be seen as an unreasonable relationship by the Department of Labor.“You can't make fiduciary decisions if you don't know what the data says. That's my opinion. You have to understand what the data says to be able to make the right fiduciary decisions.” - Jenny KiesewetterConnect with Jenny Kiesewetter:LinkedIn: https://www.linkedin.com/in/jennykiesewetter/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to changeIt is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

What happens when integrity meets financial planning? In this episode, Frank Guida, founder of A Better Way Financial, shares the story behind his firm’s mission and the values that drive it—family atmosphere, outstanding client service, integrity, and positivity. Discover why being local and personal matters when planning your financial future. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

This episode, Sean and Peter dive into the importance of working with a fiduciary financial advisor- professionals legally obligated to put your interests first. Along the way, they touch on the challenges younger generations face with saving and homeownership, and how understanding compounding interest can transform your financial future. Learn how fiduciaries operate, the different fee structures to expect, and why having an advisor who truly prioritizes your goals can make all the difference in planning for retirement.   Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Is the 60/40 Rule DEAD? and Inheriting Money The Right Way Is the 60/40 investing rule dead? Fiduciary financial advisor Wes Moss tackles this question by looking back at research and revealing what a $500,000 portfolio would look like today. He shares why balanced investing is still critical for a comfortable retirement. Also, with the largest wealth transfer in history underway, Wes provides a reality check on inheriting money. He gives you a simple checklist for receivers and givers to make sure you're prepared. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 12, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

George Kinder's latest book, The Three Domains of Freedom, draws on the work of his lifetime, empowering readers to experience profound freedoms and aspires to change civilization. Drawing on his expertise in mindfulness and financial life planning, he offers a transformative guide to living authentically, discovering one's purpose, and contributing to creating a humane and just society. The book lays the foundation for a new social contract between consumers and institutions. Kinder says, "It's time we established civilization as a fiduciary culture. I'm pitching a particular fiduciary legislative proposal that takes the essence of ESG and expands to include the planet, humanity, democracy, and the truth, and argues that it should be written into law, not just voluntary." Kinder aims to bring trustworthiness to every large institution, whether a corporation, government, or nonprofit, by ensuring they prioritize the truth, democracy, the planet, and humanity over their self-interest. In this episode, you'll discover how to: Experience the present moment through simple mindfulness practices and their connection to your freedom. Design and deliver a clear vision of a profound and meaningful life using life planning techniques. Appreciate and celebrate the gifts of civilization so that you are in a position to address its challenges best. Get involved with the FIAT movement to advocate for fiduciary standards across all institutions. About George Kinder:  Author and international thought leader, George Kinder is known in the financial industry as the Father of Life Planning. George authored three books on money as he revolutionized client-centered financial advice through experiential training courses for thousands of advisors from over 30 countries. A mindfulness teacher for 35 years, Kinder has led weekly meditation classes and residential retreats around the world. Kinder is a published poet and photographer. His recent books focus on civilization, understanding civilization as both human evolution and the evolution of environments of freedom. His passion is to foster the very best of humanity. Get in touch with George Kinder: Buy George's book: https://revolutionizeretirement.com/domains    Visit George's website: https://www.georgekinder.com/  Reflections on Spectacle Pond series: https://www.georgekinder.com/subscribe-reflections-on-spectacle-pond  Subscribe to George's Substack publication: https://georgekinder.substack.com/ What to do next: Click to grab our free guide, 10 Key Issues to Consider as You Explore Your Retirement Transition Please leave a review at Apple Podcasts. Join our Revolutionize Your Retirement group on Facebook.

In this episode, we pick up where we left off—diving into the second half of the top ten estate planning mistakes people make and how to avoid them. Trusts are where we pick up the conversation, and we emphasize that they are tools, not one-size-fits-all solutions. Using the wrong trust, or one that isn't necessary, can actually create more problems than it solves. We stress the importance of intentionality—choosing the right tool for the right issue, and understanding the specific goals and laws relevant to each person's situation, especially given varying state estate tax thresholds like Oregon's low $1 million.From there, we explore how conflicting or vague instructions can derail even well-meaning plans. When wills, trusts, and beneficiary designations don't align, chaos can follow. “Fairly” and “equally” may seem interchangeable, but they're not, and those subtle differences can lead to confusion, resentment, or even legal battles. We also caution against naming just one child with the “plan” that they'll distribute assets informally—that's a recipe for tax issues and strained family dynamics.Ignoring taxes is another frequent oversight. Many people don't realize how estate planning decisions can trigger income, capital gains, or estate taxes. Planning won't erase taxes, but it can eliminate nasty surprises. We revisit digital assets too—crypto, photo storage, password managers—emphasizing that if no one can access them, they may as well not exist. These assets require thoughtful handling, not just from a distribution standpoint, but also accessibility.Finally, we tackle the often-overlooked issue of naming the wrong fiduciary. This isn't an honorary role—it's a job. Too often people pick fiduciaries based on birth order, guilt, or assumptions rather than capability and willingness. We share stories illustrating how the wrong choice can create unnecessary complications, and how the right person isn't always the obvious one.  Jag shares how he's not at all upset that his brother is in charge of their parents' estate.To wrap, we recap all ten estate planning pitfalls discussed across both episodes and remind listeners to align legal documents, assets, and intent—while working with professionals who know how to navigate the complexity. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

Buckle up for this week's episode of "Your Retirement Highway," where financial expertise meets real-life adventures! Kyle and Matt kick things off with a laugh-inducing recount of a weekend surrounded by Disney's charismatic zombies. Amidst the high-pitched squeals of young fans and the camaraderie of dad solidarity, there's a parallel journey unfolding—the road to a smart and secure retirement. Find out why some dads left with slightly lighter wallets and heavier hearts. Spoiler alert: it involves a popular beverage stand.But the real adventure? It's navigating the complex world of retirement planning. Before you know it, Kyle and Matt dive deep into the critical financial strategies you need to consider today. From uncovering the secrets behind tax-efficient "buckets" to why Roth IRAs and life insurance aren't as scary as they sound, this episode promises insights that might just save your future self from unnecessary tax pains. Is it time to make a pit stop and reassess your retirement roadmap? Tune in to get the scoop, and who knows—your retirement plan might just thank you for it.

Now “retired” (whatever that means), Nevin is the former Chief Content Officer and Head of Retirement Research for the American Retirement Association. One of the retirement industry's most prolific writers, these days he's “retired”, which means he writes less, but continues to keep his eye on developments in, and threats to, the nation's private retirement system. He's the Chief Advisor Strategist at Endeavor Retirement, and he's also the “Nevin” in the Nevin & Fred podcast (along with renowned ERISA attorney Fred Reish), offering irreverent, but relevant perspectives on the critical issues confronting plan sponsors, advisors, and retirement industry professionals. Prior to his time at the ARA, he was the Employee Benefits Research Institute's Director of Education and External Relations, Co-Director of EBRI's Center for Research on Retirement Income, and Director of the American Savings Education Council, and prior to that, spent a dozen years as Global Editor-in-Chief of PLANSPONSOR magazine and PLANSPONSOR.com, as well as PLANADVISER and PLANSPONSOR Europe magazines. He was the originator, creator, writer, and publisher of PLANSPONSOR.com's NewsDash. He began his retirement services career at Northern Trust in Chicago, where he later served in a variety of management roles, culminating in the development of a proprietary recordkeeping platform, and at Wachovia Bank, leading their defined contribution/recordkeeping businesses.In this episode, Eric and Nevin Adams discuss:Retirement income requires tailored solutions.Fiduciary roles shift after adoption.Default options remain a challenge.Adoption will be gradual and cautious.Key Takeaways:There's a wide range of income options beyond annuities, but each plan should carefully assess its participants' needs before implementing anything.Choosing to offer a retirement income option begins as a settlor decision, but once implemented, it becomes a fiduciary duty to select the specific solution, to monitor, and manage.Auto-enrolling participants into lifetime income products is complex—many don't fully grasp the trade-offs, and surveys show mixed interest.Due to regulatory uncertainty and logistical hurdles, most plan sponsors are expected to move conservatively, guided by education and expert consultation.“How are we making default lifetime income assumptions about people on a generic basis without some of that nuance? Aren't you, almost by definition, creating a product that's not really going to fit people anyway?” - Nevin AdamsConnect with Nevin Adams:Website: https://nevinandfred.com/ LinkedIn: https://www.linkedin.com/in/nevinadams/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to changeIt is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

In this episode of Dollars to Dreams, Tyler Hafford and Hannah Tackett tackle a core concept of their practice—and the trust they build with clients: fiduciary duty. Being a fiduciary isn't just a technical term or legal requirement; it's a guiding principle that shapes how Penobscot Financial Advisors engages with every client. Tyler and Hannah explain what it truly means to be a fiduciary, how it differs from other financial standards (like the “suitability rule”), and why it should be one of the first questions anyone asks when choosing a financial advisor.  Learn how fiduciary and fee-only models eliminate conflicts of interest and why fee transparency is essential.  For those considering financial advice, the episode offers a clear lens on what to look for—and what red flags to avoid.   YOU'LL LEARN: – Fiduciary vs. Suitability Standard – What fiduciary duty entails and how it compares to other advisory models. – Fee-Only Structure – Why removing commissions and product sales supports objectivity and transparency. – Client-First Relationships – How fiduciary care builds lasting trust and personalized financial planning.  

Catch-Up Secrets for Savers 55+ and Does the 4% Rule Really Work? Are you 55 or older and feeling behind on retirement savings? Or perhaps you're wondering how to make your money last once you do retire? Fiduciary financial advisor Wes Moss dives deep into crucial strategies for those 55 and up, including powerful "catch-up" contributions for your 401(k), IRA, and HSA that can add thousands to your nest egg. Also, Wes also reveals the often-debated but incredibly powerful 4% rule, explaining why it's a critical guideline for sustainable retirement withdrawals and how it can reduce your anxiety about running out of money. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 5, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome aboard for a thrilling ride on "Your Retirement Highway," where financial advisors Megan Miener and Chandler Williamson take the wheel to guide you through the winding roads of retirement planning. In this week's pitstop, Matt and Kyle have handed over the reins, giving Megan and Chandler a chance to share intriguing insights on whether you have enough in the tank for a comfortable retirement. They'll challenge the million-dollar myth and show you why your individual journey isn't just about hitting a monetary milestone, but about crafting a lifestyle that matches your dreams.But wait, there's more! Dive into the less-explored territory of mental readiness and tackle the psychological switch from the work grind to becoming your own paycheck master. Megan and Chandler are breaking down the fears of taking the leap into retirement and offering nuggets of wisdom to keep you from slamming the brakes. Whether it's unraveling the mystery of social security strategies or giving you a fresh perspective on investment risks, this episode promises to fuel your curiosity. So buckle up and join us for a ride full of valuable revelations that will turbocharge your retirement plans.

In this episode, hosts Brad and Michael dive into the story of a successful plastic surgeon who used estate planning strategies to transfer wealth and ownership to his family. What was originally intended to protect his assets ultimately backfired when a personal scandal gave his family the power to remove him from his role as CEO. Tune in to learn the importance of proper business governance, corporate formalities, and the fiduciary duty in protecting your practice.   Watch full episodes of our podcast on our YouTube channel: https://www.youtube.com/@byrdadatto  Stay connected for the latest business and health care legal updates:WebsiteFacebookInstagramLinkedIn

Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 29, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Strap in for another electrifying journey on Your Retirement Highway! In this episode, Kyle Jones and Matt Allgeyer of FYRA Capital Management are in the driver's seat, ready to unveil the hidden gems within your 401(k) plan that you never knew existed. Whether you're just starting to plan or nearing retirement, this ride promises invaluable insights that will keep you on the edge of your seat. But wait, there's a special passenger onboard—meet Trey Marks, a bright finance student, getting a first-hand glimpse of the world of financial advising. You won't want to miss the humorous banter and real-life stories that make this journey an absolute must-listen!Are you truly maximizing your employer's 401(k) match, or are you leaving money on the table? Our hosts dive deep into the strategies that ensure you're not just another face in the retirement crowd. From tackling the age-old debate of traditional versus Roth 401(k) contributions to understanding why your emotional resilience might be your most significant asset, this episode touches on every angle. And remember, as Kyle and Matt love to say, “What you don't know about retirement could cost you.” So, plug in and let's hit the retirement road together—this is one stop you won't regret!

What if early RRSP withdrawals aren't always the tax-smart move they're made out to be? In this special AMA edition of the Rational Reminder podcast, Ben and Cameron are joined by PWL Financial Planner Louai Bibi for a wide-ranging discussion on RRSP decumulation strategies, insurance planning, and the practical complexities that real clients face when theory meets reality. Ben walks through a listener's case study and shares insights from colleague Melissa on why early RRSP withdrawals (a.k.a. “meltdown” strategies) are not always beneficial—especially when viewed through a present-value lens. Louai contributes in-the-trenches experience, highlighting how client goals (estate vs. living net worth) and asset allocation can significantly influence what makes sense. In the second half, Louai delivers a comprehensive walkthrough of how PWL approaches life, disability, and critical illness insurance planning—not as salespeople, but as fiduciaries. You'll hear why the right coverage isn't one-size-fits-all, how survivor models are used to project financial impacts, and why the smallest, cheapest policy can still make a life-changing difference.   Key Points From This Episode: (0:00:04) Introduction and full-circle moment: Louai Bibi joins the show. (0:01:48) Reflections on the first PWL employee summit and One Digital integration. (0:06:30) Upcoming Rational Reminder meetups in Victoria and Vancouver. (0:07:40) Steve's question: Should he be melting down his growing RRSP? (0:09:15) Ben outlines a detailed client case where early withdrawals had minimal benefit. (0:12:10) Key takeaway: Present value of taxes matters more than total lifetime taxes. (0:13:50) Melissa's advice: Model your specific situation, not just follow YouTube tips. (0:15:56) Louai adds: The impact on future investment growth and taxable account drag. (0:17:28) Systematically reviewing RRSP strategies annually in November. (0:21:12) Taxes and portfolio construction: Home country bias, withholding tax, and more. (0:22:11) The importance of tax diversification—lessons from the capital gains inclusion saga. (0:23:11) RESP withdrawals and CRA's definition of “reasonable” expenses. (0:25:41) Fiduciary standards in Canada: Why sweeping change is unlikely. (0:26:29) Most influential ideas from 300+ episodes: Market beliefs, information overload, and Die With Zero. (0:34:36) Time, meaning, and memories: A shift in life perspective through the podcast. (0:38:47) Louai's top 3 lessons: Unified philosophy, consumption smoothing, and homeownership myths. (0:42:21) Deep dive: How PWL approaches life, disability, and critical illness insurance. (0:45:00) Life insurance: Survivor modeling, planning trade-offs, and permanent vs. term. (0:51:32) Disability insurance: Hidden risks in group coverage and income replacement importance. (0:56:36) Critical illness insurance: A real story about an inexpensive policy that changed a life. (1:00:07) Ben's experience with testicular cancer and hindsight on CI coverage. (1:01:45) Teaser: A new disclaimer for reading podcast reviews. (1:02:08) After-show: MobLand, The Sopranos, and the nostalgia of Animal Kingdom.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582.  Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemind Rational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Louai Bibi — https://pwlcapital.com/our-team/ Louai Bibi on LinkedIn - https://ca.linkedin.com/in/louaibibi Louai Bibi on X -  https://x.com/louaibibi   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com).

Stephen Nelson (https://www.linkedin.com/in/stephen-nelson-cfp/) is Partner & Senior Wealth Manager at Mills Wealth Advisors, guiding business owners through complex financial decisions with a $450 million AUM perspective. His fiduciary mindset, deep investment discipline, and process-driven approach turn entrepreneurial success into generational security.In this episode, Chris and Stephen discuss:Why a unanimous three-person investment committee beats knee-jerk tradesThe move from broker-dealer sales culture to true fiduciary serviceA simple referral prompt that fuels high-quality client growthBuilding 75 percent standardized, 25 percent personalized client experiencesConnect with StephenWebsite: https://www.millswealthadvisors.com/stephen-nelson/LinkedIn: https://www.linkedin.com/in/stephen-nelson-cfp/Instagram: https://www.instagram.com/smartmoneystephenTwitter: https://x.com/smartmoneysnYouTube: https://www.youtube.com/@SmartMoneyStephenTikTok: https://www.tiktok.com/@smartmoneystephenFacebook: https://www.facebook.com/StephenCFPFollow Ultra High Net Worth Clients & Host Chris BrodheadWebsite: https://www.ultrahighnetworthclients.comSpotify: https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDriTunes: https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400YouTube: https://www.youtube.com/@uhnwcInstagram: https://www.instagram.com/ultrahighnetworthclientsTikTok: https://www.tiktok.com/@ultrahighnetworthclientsFacebook: https://www.facebook.com/UHNWCPodcastTwitter: https://twitter.com/uhnwcpodcastDISCLAIMERThe views and opinions expressed on the “Ultra High Net Worth Clients” podcast are those of the hosts, guests, and participants and do not necessarily reflect the views or positions of any entities they represent. The content provided is for informational purposes only and should not be construed as financial, legal, or tax advice. Listeners should consult with their own professional advisors before making any financial decisions. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. The podcast, its producers, and affiliated parties make no representations or warranties as to the accuracy or completeness of any information presented.

10 Financial Myths That Are Costing You Money Are you falling for common financial myths that are holding back your wealth? Fiduciary financial advisor Wes Moss debunks 10 prevalent financial misconceptions that could be costing you big time! 10 Investing Myths That Are Costing You Money Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 22, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss essential questions to ask when searching for a financial advisor, particularly from the perspective of their mothers. They explore the importance of understanding the advisor's process, compensation models, and the need for coordination with other professionals. The conversation emphasizes trust, transparency, and the fiduciary responsibility of advisors, providing listeners with valuable insights for making informed decisions about their financial planning. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Ask about the advisor's process and expected outcomes. Understand how the advisor is compensated. Inquire about the types of clients the advisor typically works with. Seek an advisor who collaborates with other professionals. Trust and transparency are crucial in the advisor-client relationship. Different compensation models can affect the advisor's focus. A fiduciary advisor has your best interests at heart. Designations can indicate a commitment to fiduciary standards. Coordination with other professionals can prevent blind spots. These questions can help ensure a good fit with an advisor. Chapters 00:00 Introduction to Financial Advisor Questions 01:06 Key Questions for Financial Advisors 07:14 Understanding Advisor Compensation Models 10:05 The Importance of Coordination with Professionals    

Len R Martinez is an Investment Advisor and a Fiduciary in Texas. Len is a fee-based planner and works primarily with clients planning for or in retirement. His goal for his clients is to replace “hopefully, we will” retirement with “we know we will” retirement. With 25 years of client relationships and success, Len focuses on educating his clients on how to plan for and pay for retirement.Learn more: https://lrmretirement.com/Disclaimer: Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm, nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance, Consulting and Education services offered through LRM Retirement. LRM Retirement is a separate and unaffiliated entity from Simplicity Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-len-r-martinez-founder-of-lrm-retirement-discussing-planning-for-retirement-as-a-federal-employee

Best Time To Take Social Security and Why Target Date Funds Are Good, but Not Perfect What's the best time to take Social Security? Fiduciary financial advisor Wes Moss breaks down several scenarios to help you optimize your Social Security check. Also, target date funds have long been a popular option as a “set it and forget it” easy button for investing. Wes shares why this “TV dinner” of investing is a good – but not perfect – option. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 15, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Len R Martinez is an Investment Advisor and a Fiduciary in Texas. Len is a fee-based planner and works primarily with clients planning for or in retirement. His goal for his clients is to replace “hopefully, we will” retirement with “we know we will” retirement. With 25 years of client relationships and success, Len focuses on educating his clients on how to plan for and pay for retirement.Learn more: https://lrmretirement.com/Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm, nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance, Consulting and Education services offered through LRM Retirement. LRM Retirement is a separate and unaffiliated entity from Simplicity Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-len-r-martinez-founder-of-lrm-retirement-discussing-the-truth-about-annuities

Len R Martinez is an Investment Advisor and a Fiduciary in Texas. Len is a fee-based planner and works primarily with clients planning for or in retirement. His goal for his clients is to replace “hopefully, we will” retirement with “we know we will” retirement. With 25 years of client relationships and success, Len focuses on educating his clients on how to plan for and pay for retirement.Learn more: https://lrmretirement.com/Disclaimer: Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm, nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance, Consulting and Education services offered through LRM Retirement. LRM Retirement is a separate and unaffiliated entity from Simplicity Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-len-r-martinez-founder-of-lrm-retirement-discussing-the-fear-of-going-brokehttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/

Avoid This Potentially BIG Roth Blunder and 3 Keys to Happy Retirement Success Don't make this potentially HUGE Roth mistake! Fiduciary financial advisor Wes Moss reveals a little-known rule about rolling over your Roth 401(k) into a Roth IRA that could cost you big. If you've only contributed to a Roth 401(k), you need to hear this to avoid a costly blunder with the 5-year rule. Also, Wes recently received a retirement love letter from a couple who are self-proclaimed “happiest retirees on the block.” He shares the letter and the big keys to happy retirement success. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 8, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Secret to Consistent Investing and Your Financial Safety Net for Any Market Are you tired of "FOMO Freddie" always bragging about his latest hot investment? Fiduciary financial advisor Wes Moss reveals why chasing market trends is a dangerous game and how sticking to your investment style is the key to long-term success. We'll dive into the perils of FOMO investing and show you what happens when you jump from one "best" strategy to the next. Also, Wes breaks down the critical concept of "dry powder" – what it is, why you need it, and how it acts as your ultimate financial buffer during market downturns. Learn about the different types of liquid safety assets that can protect your portfolio and give you peace of mind, no matter what the economy throws your way. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 24, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Secret Rule To Access Your IRA Early and Top 9 Things That Bring Joy in Retirement If you want to retire early, this rule can help! Fiduciary financial advisor Wes Moss breaks down the often-misunderstood Rule of 72(t). Discover how this IRS exception can allow you to access your IRA funds before age 59 ½ without incurring that hefty 10% early withdrawal penalty. Also, Wes dives into groundbreaking research on what truly brings joy and purpose in retirement. Wes shares surprising (and not-so-surprising) truths from his latest study of over 1,200 Americans. He reveals the top categories that consistently lead to a more purposeful and joyful post-career life. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 17, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices