Foster & Motley : A Podcast About Wealth & Life

In today’s increasingly digital world, the threat of cyber attacks is more prevalent than ever. The rise of technology has given hackers more opportunities to steal personal information and gain unauthorized access to sensitive data, making it crucial to prioritize cybersecurity. Fortunately, there are several measures you can take to protect yourself. Two-factor authentication, freezing your cred...

While we were all celebrating the holidays, Congress was busy making new tax laws and gifting us with approximately 100 new provisions to the Secure Act. Can’t you feel the legislative love?  In this episode, Emily Diaz, MAcc, CPA, CFP®, and Zach Binzer, CFP®, discuss the myriad of changes to the Secure Act and how they could be significant to you.  Emily and Zach share more about: Secure 1.0 vs....

What goes up often comes down. It’s just a matter of how far and how fast the decline. Stocks are no exception.  In this episode, Mark Motley, MBA, CFA, and Joe Patterson, CFP®, talk about stock market corrections and bear markets. Mark and Joe share more about: A definition of stock market corrections and bear markets The history of markets in terms of frequency, depth, and recoveries The history...

What has your money done for you lately? The times are changing and interest rates are rising.  In this episode, Thom Guidi, CFA, talks about ways to put your cash to work, whether that’s money you have set aside for an emergency or  cash saved for spending you anticipate in the next year or so.  Thom shares more about: Why cash yields are a topic of conversation right now Your unique uses for cas...

Sometimes two is better than one, and that’s the philosophy at Foster and Motley, where financial planners and investment managers work side by side with you. In this episode, David Nienaber, MBA, CPA, CFP®, and Ryan English, MBA, CFA, CPA, CFP®, discuss how their dual-advisor approach helps ensure their advice truly is personalized to each client’s unique circumstances and goals. David and Ryan s...

2022 was a challenging year for investments and for investors.  In this episode, Mark Motley, MBA, CFA, shares a 2022 market update and looks ahead at what may unfold in 2023. Mark shares: A 2022 recap including data on returns over the year Long-term considerations for investors Insight on the possibility of a recession in the upcoming year What 2023 may hold based on data and history And more Re...

Behavioral finance is an intangible topic that has to do with more of an investor’s underlying tendencies or biases, not necessarily the evaluation of an investment based on quantitative or qualitative aspects of a company.  In this episode, Nick Roth, CFP®, and Ryan English, MBA, CFA, CPA, CFP®, talk about the seven common biases that can influence your investment decisions. Understanding these c...

When the markets are down, there may still be opportunities. In this episode, Joe Patterson, CFP®, discusses a few ways that you can make the most of the current market environment. He touches on tax planning, distribution scheduling and more.   Joe also discusses: Opportunities for implementation of tax loss harvesting Why this might be a good time to evaluate Roth conversions Maximizing the valu...

The investments in your portfolio usually grow. At least that’s the goal. But those investments may also generate income. So what is portfolio income and what role can it play, especially in retirement? In this episode, Thom Guidi, CFA, discusses the importance of portfolio income and the impact of portfolio income in a down market. Thom shares more about: Where portfolio income comes from The imp...

There never seems to be enough time, until you share it. The same can be true for treasure and talent. The people at Foster and Motley value all of these, and some of those people are here to share how they give back a bit of their time, treasures, and talent. In this episode, you will hear from people across the organization about the non-profits they are involved with, and what that investment m...

Charitable giving is good for the soul. But it may also be good for your taxes. In this episode, Emily Diaz, MAcc, CPA, CFP ® , will run through the basics and the benefits of charitable giving.  Emily shares more about: The most common way to give charitable gifts Why you only get a deduction if you’re itemizing on your tax return Examples of tax-efficient giving And more Resources: GuideStar A P...

We are in a period of significant change with interest rates and it’s happened in a period of about six months.  In this episode, David Nienaber, MBA, CPA, CFP®, and Rachel Rasmussen, MBA, CFA, CDFA®, talk about how inflation is impacting many areas of people’s finances.   David and Rachel share more about: How inflation impacts the decision to stay in your home or to move How people have been dea...

Peanut butter and jelly, Laverne and Shirley, Foster and Motley. All of these iconic pairs have changed the game in their own right. For more than a year, the financial planners and investment managers at Foster and Motley have shared their knowledge and insights on this podcast. But how did the firm come to be? In this episode, Dave Foster and Mark Motley share how they started their careers in f...

True financial independence is when you’re working because you want to and not because you have to. Understanding what you have and what your goals are is the first step to becoming financially independent.  In this episode, Thom Guidi, CFA, and Luke Hail, MBA, CFP®, discuss what it means to be financially independent and provide you with four actionable steps to help you move closer to your goal...

In the third quarter of 2022 the bear market resumed, making this the longest lasting decline since 2009. Since our last update, we saw the stock index go down by 5% affecting everything from investing to buying and selling property.  In this episode, Mark Motley discusses the progression of the stock market since the second quarter update. He dives into how mortgage rates have been affected by th...

There comes a time in your life when you may not welcome being another year older. But if you plan ahead, it can make the difference between a senior lifestyle you choose and the one that someone else chooses for you. In this episode, Tony Luckhardt, MBA, CFP®, CRPC®, and Amy Thomas, CPA, discuss some of  the tough decisions that come with senior care. They also provide some advice on how to evalu...

Losing a loved one is an emotional time. One way you can make dealing with it a little easier for your loved ones, is to have a strong estate plan and family letter in place. Your appointed executor is there to make your final wishes come to pass, but they need to know what you wanted. In this episode, Zach Binzer, CFP® and Zach Horn, MBA, CFP®, CMFC®, discuss this important role of being an execu...

Maybe it’s your goal to own a lake house or a second home. But have you thought about what buying versus renting might look like for your scenario? In this episode, Joe Patterson, CFP® and Rachel Rasmussen, MBA, CFA, CDFA® discuss the pros and cons of owning versus renting and what might make sense for your unique situation.  Joe and Rachel share more about: What to consider when owning a second h...

So you think your investments are doing well, or perhaps you think they are performing poorly. But compared to what? In this episode, Thom Guidi, CFA, explains what a benchmark is and shares some examples.  He also talks about why it’s important  to review your performance compared to benchmarks. Thom shares more about: Why benchmarks are important What types of benchmarks Foster & Motley uses...

Have you considered opening up a 529 account? There may be more to consider than you realize!  In this episode, Nick Roth, CFP®, will help you understand some of the general rules and benefits behind 529 accounts. He also shares the impact that 529 accounts can have on an individual’s eligibility for financial aid. Nick shares more about: Explains what a 529 account is How you can benefit from a 5...

Cash flow is what comes and goes out of your household, and defines what you are doing in the world in many ways.  In this episode, Luke Hail, MBA, CFP®, will help give you a clear understanding of why understanding your cash flow matters.  Luke shares more about: The concept of cash flow How to evaluate your cash flow Three stages to financial freedom And more Connect With Luke Hail, MBA, CFP®: i...

As an investor, it is helpful to understand the yield curve. Its movements are tied to economic growth, monetary policy, and inflation which impact investment portfolios.   In this episode, Ryan English, CFA, CPA, CFP®, talks with Sarah Conwell, MFE, to explain the significance of two separate points on the curve and the ways investors interpret its shape, slopes, and steepness during economic cyc...

Insurance is not just for when you pass away. It’s to protect against catastrophic life events. In this episode, Tony Luckhardt, MBA, CFP, CRPC®, discusses the many types of insurance and how some of them work together. Tony shares more about: The types of insurance When you need insurance And more Connect With Tony Luckhardt: info@fosterandmotley.com   513-561-6640 Foster & Motley LinkedIn: T...

The first half of 2022 was the worst first half of a year for stocks in over 50 years, with the fear that inflation was right around the corner.  In this episode, Mark Motley, CFA, shares a brief market update from the second quarter of the year, outlining the impact of inflation, the prospect of a recession, and what all these key changes mean for you. Mark shares more about: Why the federal rese...

A balance sheet can be  a useful tool in personal finance to inventory your assets and track growth over time. In this episode, Joe Patterson, CFP®, explains the benefits of using a balance sheet and some actionable next steps for creating a personal balance sheet. Joe shares more about: A definition of a balance sheet Why the balance sheet is one of our core client reports How your balance sheet...