Foster & Motley : A Podcast About Wealth & Life

Protecting yourself in today’s world is more important than ever. Being proactive in developing security habits can give you a sense of comfort when it comes to your financial data. In this episode,  Emily Diaz, MAcc, CPA, CFP®, provides some reminders about ways to protect your information and shares new resources that are available to help increase the security of your financial information.   E...

There is not a simple or succinct definition of value investing.  Generally put, it is a style of investing that is in contrast to growth investing and considers valuation measures when determining stock selection.  In this episode of the Foster & Motley podcast, Thom Guidi, CFA, and Mark Motley, CFA, discuss the ins and outs of value investing and why it’s an important piece of Foster & M...

Private investments are different from publicly traded investments like stocks  and bonds. They’re limited to a certain type of investor and have a unique set of considerations.  In this episode, Rachel Rasmussen, CFA, CDFA®, discusses the lesser known topic of private investments. She references specific examples of private investments and explains how some investors can target a wider range of o...

As you approach retirement, bonds are likely to become a more significant part of your asset allocation. Typically, bonds, traditional or alternative,  are a more stable way to generate cash flow to replace the paycheck that is lost moving into retirement.  In this episode, Zach Horn, MBA, CFP, CMFC®, discusses why alternative bonds are a rising trend in the current environment of rapidly rising i...

Balance is a tricky thing. Something that is balanced today may not maintain its balance; take investment portfolios, for example. When Foster & Motley begins working with a client, they balance their portfolio based on several targets, but over time rebalancing is necessary to maintain those targets. In this episode, Ryan English, CFA, CPA, CFP®, and Nicholas Roth, CFP® explain their hands-on...

Your health savings account may be more important and more flexible than you realize. While it was created to help people set aside funds for health care costs, the value doesn’t stop there.  In this episode, Zach Binzer, CFP®, explains how you can maximize the value of your HSA and why it’s reasonable for some to consider it a retirement asset. Zach also talks about: The origin of HSAs The triple...

Finding a hobby you enjoy can make retirement that much sweeter.  In this episode, Rachel Rasmussen, CFA, CDFA®, and Dave Foster discuss his retirement hobby of beekeeping. Dave shares about how we got into it, how he has managed to grow his operation and why he enjoys it so much.  Rachel and David also chat about: When he started beekeeping and why Maintenance of the hives What benefits he gets o...

If you understand the way Social Security works and how it’s funded, you will understand why the probability of it running out of money is extremely low.  In this episode, Luke Hail, MBA, CFP®, discusses the Social Security system’s benefits and some key points to remember before taking Social Security. Luke shares more about: When Social Security was established and why Retirement, disability, an...

Some events make the world a different place, seemingly overnight. Since the invasion of Ukraine, it appears the Post-Cold War era is over and prior norms will not revert as long as Putin controls Russia.  While much has changed in recent days, the benefits of Foster & Motley’s core investment strategy have not. Seeking to build all-weather portfolios has always been an important aspect of our...

Don’t make a charitable gift simply to get a tax deduction; make a charitable gift because it aligns with your goals.  In this episode, Dave Nienaber, MBA, CPA, CFP®, CEPA, and Joe Patterson CFP®, discuss two primary ways of transferring your wealth: charitable and family gifting. They also share what you should consider when giving based on your unique circumstances and goals; and that may not be...

Many people’s instinct is to sell when the market takes a hit, but making those decisions based on emotion seldom has the best outcome.  In this episode, Ryan English, MBA, CFA, CPA, CFP®, shares his insight on the importance of understanding and the questionnaire Foster & Motley uses to help determine their client’s risk tolerance. He explains how the risk tolerance questionnaire informs deci...

Estate tax doesn’t necessarily affect everyone, but for those it does impact, it can be a big deal. Also, the laws around it have changed several times, and are expected to again soon.  In this episode, Tony Luckhardt, MBA, CFP®, CRPC®, and Emily Diaz, CPA, CFP®, share about the history of estate taxes. They also provide insight on how people can plan ahead for gifting to loved ones which can help...

Required minimum distribution rules impact almost everyone at some point in their lives.  Do you know what to expect so you can avoid the high cost that comes with missing an RMD? In this episode, Nick Roth, CFP®, discusses everything you need to know about required minimum distribution rules and how to plan ahead with confidence.  Nick shares more about: Recent changes to the rules surrounding RM...

To truly understand the stock market, it is important to understand how stocks are divided into different sectors. Having a grasp on these sectors can benefit you in the long run.  In this episode, Thom Guidi, CFA, discusses how to identify which stocks belong within each of the 11 stock market sectors and why it matters.  Also, learn how Foster & Motley makes it easy for their clients to see...

It’s 2022 and everyone is still dealing with the impact of COVID-19 along with many other changes that affect your financial life. But, at Foster & Motley, they continue to adapt in new ways to help their clients keep moving forward.  In this episode, Zach Horn, MBA, CFP®, CMFC®, and Nick Roth, CFP® discuss the continued growth within the company and with client relationships. They also touch...

After a year of discussing all things wealth and life, it is time to venture into more condensed conversations with our new short series. Don’t worry, we’ll still give some topics the full 30 minutes they deserve, but we’re adding in some 10 minute or less episodes as a quick hit on more focused topics too. In this episode, Joe Patterson, CFP®, discusses the plan behind Foster & Motley’s new s...

Understanding what goes into estate planning, and how to distinguish between the different documents is vital in planning for your future.  In this episode, David Nienaber sits down with Jake Samad, attorney, and partner at Robbins, Kelly, Patterson, and Tucker.  They discuss some of the common questions that come up about estate planning and the different documents most people need. Jacob discuss...

When you make the decision to work with a financial advisor, they are going to get to know you and your financial situation to assist you in reaching your goals.  Over the first year, they are going to meet with you and slowly address each area of your finances. In this episode, Rachel Rasmussen and Tony Luckhardt speak about what the first year looks like when working with advisors at Foster &amp...

Thanksgiving — is a time where we can reflect on the things we are most grateful for.  This Thanksgiving season, we at Foster & Motley are thankful for our colleagues who make us such a strong team, and our clients who allow us to be a part of their lives. Without our passionate team, and amazing clients, we would not be who we are today — not as a company, but as a team and a family. Happy Th...

Having the initial conversation with your financial advisor can be hard — maybe you have gotten yourself into a bad financial situation or just have not addressed it — either way, we are here to help.  In this episode, David Nienaber and Zach Horn discuss the elements of a wealth management engagement. David and Zach speak about what wealth management can do for it, and why it is important to work...

Understanding the value of proper financial planning as a young adult is important, but means nothing if you don’t know what exactly you should be doing. In this episode, Joe Patterson and Thom Guidi help you learn more about the specific financial decisions you should be considering as a young adult. Joe and Thom take you through some of the common things that impact your finances, and how to mak...

What if the things you know now about your finances, you knew in your twenties? Do you think you would have made some different decisions? In this episode, Joe Patterson and Thom Guidi discuss things that every young adult should begin thinking about regarding their finances. In the first part of this two part series, Joe and Thom introduce you to the high level things that twenty-somethings shoul...

In life, 2 things are guaranteed — death and taxes. So it is important that you take the time to understand tax planning so you don’t end up paying more than you owe. In this episode, Tony Luckhardt and Ryan English help you understand what should be going into your tax planning and how the advisors at Foster & Motley are equipped to help. Tony and Ryan discuss taxes as they pertain to multipl...

When it comes to your retirement plans, it is vital for you to understand the details around  contributions to your accounts and, when it comes time, the distributions from them. In this episode, Luke Hail and Rachel Rasmussen return to their discussion about retirement plan options so you can fully understand the types of retirement accounts and how your contributions and distributions differ bet...

When you are planning for your retirement, you should start sooner rather than later and figure out how to create that post-employment paycheck. In this episode, Luke Hail and Rachel Rasmussen discuss planning for retirement. Luke and Rachel aim to educate you about what types of accounts exist, how to know which one to use and how to find tax loopholes that are available to you! Luke & Rachel...