Freedom for Retirement™

Borrowing from your 401k can feel like a smart financial move. After all, it’s your money , there’s no credit check, and you’re “paying yourself back.” But in my experience as a financial planner, 401k loans are one of the most dangerous decisions in retirement planning. In this episode, we break down why we recommend avoiding 401k loans. Not because of complicated spreadsheets or market forecasts...

The FIRE movement—which stands for Financial Independence, Retire Early—has captured the imagination of millions. Save aggressively. Invest efficiently. Quit work decades ahead of schedule. On paper, it sounds like the ultimate path to freedom. But is it really worth it, especially for families with real responsibilities? In this episode, Josh takes a clear-eyed look at the FIRE movement through t...

If you already have a 401(k), a Roth IRA, and maybe even a Health Savings Account, you might be asking a logical next question: Where does the next dollar go? In this video, Josh breaks down the often-overlooked role of a taxable brokerage account in a well-designed retirement plan and why, for many high-income families, it becomes one of the most powerful and flexible tools available. Taxable bro...

Are you confident you’re truly maximizing your retirement account contributions or could small decisions today be limiting your flexibility tomorrow? Many high-earning families contribute consistently to their retirement accounts, yet still miss opportunities to improve tax efficiency, increase long-term flexibility, and better align contributions with their broader financial plan. In this episode...

In this episode, Josh breaks down how to incorporate charitable giving into a comprehensive financial plan that is intentional, sustainable, and tax-efficient. If you’ve ever wondered how much you can afford to give, how to align generosity with long-term goals, or how to support the causes you care about without jeopardizing financial security, this conversation is built for you. You will learn w...

Planning for retirement is one of the most important financial decisions you will ever make, yet even smart, disciplined families fall into avoidable traps. In this video, we break down the top five retirement planning pitfalls that derail long-term financial independence and peace of mind. You’ll learn why guessing at your “retirement number” leads to overspending, how retiring too early without...

A diversified investment portfolio isn’t about owning as many funds as possible—it’s about owning the right asset classes in the right proportions. In this video, Josh Duncan breaks down how families with significant wealth can build a truly diversified investment portfolio that supports long-term goals, reduces unnecessary volatility, and avoids the clutter that derails even the smartest investor...

Paying off your mortgage early is one of the most common financial goals, but most people never learn the smarter, safer alternative to sending extra principal payments to the lender. In this video, Josh breaks down a powerful strategy called the side fund mortgage payoff method, which protects your liquidity while still helping you eliminate your mortgage years ahead of schedule. You’ll learn why...

Financial freedom is just one page away! DOWNLOAD → https://www.f5fp.com/wp-content/uploads/2025/11/F5-Financial-One-Page-Financial-Plan-Template.pdf If you’re feeling overwhelmed by your finances, you’re in the right place. This video teaches you how to unlock the power of clarity with a simple yet powerful tool—your one-page financial plan. No complex spreadsheets or jargon—just straightforward...

Many people save, invest, and pay off debt, but still wonder: Am I actually on the right track? In this video, financial advisor Josh Duncan walks you through a clear, 5-step process to build your personal financial roadmap—a plan that turns your values into meaningful progress toward financial freedom and personal significance. By the end, you’ll know how to make your money work for you, not the...

Have rising health insurance premiums left you wondering if there’s a better way? In this episode, financial advisor Josh Duncan takes you through a comprehensive, firsthand analysis of health sharing programs and how they compare to traditional insurance. After seven years of using health sharing for his own family of five, Josh reveals what’s worked, what hasn’t, and the key lessons families sho...

Ever feel like you’re doing everything “right” with money but still not satisfied? In this video, we uncover why your spending might not align with your values—and how to fix it. You’ll learn how to identify what truly matters to you, evaluate where your money actually goes, and design a spending plan that supports a more meaningful life. Financial freedom isn’t just about saving—it’s about making...

Managing your household expenses efficiently is one of the most powerful ways to build financial stability and peace of mind. In this video, we’ll walk through practical strategies to take control of your spending, organize your budget, and make your money work for you. From tracking expenses and cutting waste to automating savings and setting clear priorities, you’ll learn how to create a plan th...

Drowning in debt but too busy to figure it out? You’re not alone. Many professionals struggle to balance demanding careers with smart money management. In this short, we share simple, practical debt reduction strategies designed for busy professionals who want to save time and money. From automating payments and prioritizing high-interest debt to using proven financial frameworks, these strategies...

When it comes to executive compensation, the salary is only part of the picture. In this video, we’ll break down the executive benefits and perks that often go overlooked—but can add significant value to your financial plan. From stock options and deferred compensation to retirement packages, insurance benefits, and unique perks, you’ll discover how executives can maximize what’s available to them...

Relying on a single paycheck can be risky—so how do you build multiple income streams from your career? In this video, we’ll explore practical ways to diversify your earnings without starting from scratch. From side hustles and consulting to passive income and skill stacking, you’ll learn how to create long-term financial security by leveraging the career you already have. Whether you’re planning...

What if you could sell investments in retirement and pay zero capital gains taxes? In this video, we’ll show you how retirees can take advantage of unique tax rules to legally outsmart the IRS. From understanding income thresholds to tax-efficient withdrawals and smart portfolio planning, you’ll discover strategies that can keep more money in your pocket. If you’re planning for retirement, minimiz...

Did you know you can use the stock market to lower your tax bill? In this video, we’ll explain how tax loss harvesting works and how it could save you thousands of dollars in taxes each year. You’ll learn the step-by-step process, when it makes sense, and the common mistakes to avoid. Whether you’re an investor looking to maximize after-tax returns or planning for retirement, understanding tax los...

Is investing in the stock market a conservative approach to reaching your goals? In this video, we’ll break down conservative stock market investing for long-term goals. Protecting your purchasing power over multiple years of retirement is the goal of many investors, they just don’t know it. We are going to flip what traditional investing education teaches about how you should invest more “conserv...

Retiring early sounds like a dream—but how do you actually pay for health insurance before Medicare kicks in? In this video, we break down your best options for health coverage if you’re planning to retire early. From ACA Marketplace plans to COBRA, employer retiree benefits, private insurance, and even health share programs, you’ll learn the different paths early retirees can take to protect them...