Shotwell Rutter Baer

Join Dave and Nick as they review the important things you should consider when reviewing your 2021 Tax Returns. They conveniently break the information down for those who are working and those who are retired. So, this information applies to everyone with a tax return. As a tip, it might be helpful to have your tax return in front of you as you listen to this episode. The following charts will......

Should You Hire a Financial Advisor? YES (maybe) When? Now (or later) Join Dave and Nick as they talk about who should hire a financial planner and when. The need for a financial advisor will vary throughout your life. Financial planners are key when you are at a certain financial place. If you go to an advisor, they may tell you you don’t need one. They might also advise you to take a few steps.....

Are you starting a new job? Do you have a 401K to roll over? This is the podcast episode for you. Shotwell Rutter Baer is proud to be an independent, fee-only registered investment advisory firm. This means that we are only compensated by our clients for our knowledge and guidance — not from commissions by selling financial products. Our only motivation is to help you achieve financial freedom and...

As I’m writing this in early March, the stock market, as measured by the Standard and Poor’s 500, is down just shy of 9% for the year. Russian forces are prosecuting an ugly invasion of Ukraine, adding economic uncertainty and more inflationary pressure to the markets. However, downturns caused by geopolitical events like this one are generally short-lived and we’ve enjoyed several years of a... S...

Join Dave and Nick around the Kitchen Table to talk about Inflation. Inflation hasn’t been a real issue in American lives for about 30 years. But just like everything financial, it is cyclical. So, what is going on with inflation in 2022? Find out what types of things are affecting inflation, and what this means for your own financial planning. Here are the charts references in the episode. Source

Dave and Nick talk about Shotwell Rutter Baer’s investment philosophy. They also introduce their new partnership with East Bay Investment Solutions. East Bay is an investment consulting firm providing services such as portfolio oversight, investment due diligence, and wealth management guidance tailored to meet the needs of Shotwell Rutter Baer clients. In addition, East Bay provides model... Sour...

Join Dave and Nick as they review all the things you need to consider for your taxes for 2021. They provide information on different tax forms, distributions, tax withholdings, and all of your accounts. For additional information, please read our recent blog Tax Documents for 2021. The guys review things like: Retirements accounts (IRAs, 401K, etc) Distributions – 1099R forms Non-deductible IRAs.....

Join Dave and Nick as they talk about what the market did overall for 2021, what is going on right now, and what is predicted for 2022. The world is becoming more vaccinated; even with the omicron variant, the rate of death is down Equity markets were generally pretty strong during 2021 The 3-year return for the S&P 500 is an astounding 26.1% Unemployment fell to 3.9% as of 12/31/ Source

Have you set your financial goals for 2022? Dave and Nick go over many things that you should be thinking about this month to set yourself up for a great financial year in 2022. Even if you do have goals, you might find some gems in this episode that you didn’t think of. Saving money, investment strategies, tax considerations, and more. Please share this episode with someone you know who could......

Happy New Year! Season Two is starting! Join us, Dave and Nick, as we talk about our 2022 Financial Predictions, and other market predictions to try and make sense of it all. What is going to happen this year in the finance world? Should you be optimistic? Should you be concerned? Since we are in this industry, our inboxes get bombarded with predictions from other financial and market experts as.....

Join Dave and Nick as they recap the SRB financial planning process and list out the key elements they look at with each client as they walk them through their personalized financial planning goals. Some of the nitty-gritty decision-making things that make a successful financial plan and lifelong terms to create the life that you want. Retirement – Existing savings like 401k, Roth IRA, etc. Source

A recent article in the New York Times, The True Cost of Upgrading Your iPhone, discusses the opportunity cost of spending money on things versus investing that money. Join Nick and Dave as they discuss this way of looking at spending and purchases. They both reveal some of their own personal spending habits that fall into this category. Dave has a monthly TV streaming service to watch a couple of...

It’s that time again – let’s take a look at where our economy is at the end of the year and what we can expect for next quarter. The stock market is up 24.8% (S&P) from last year. A bull market climbs a wall of worry and there are many things in the media to make us worry – but the market keeps chugging along. Interest rates are also really low, so there has been a boom in home buying and... S...

The end of the year is 6 weeks away. When it comes to your financials, there are some important things to consider this time of year. Take stock now and be sure you don’t miss any important deadlines. Listen to the entire episode for tips and instructions on what you should be doing to set yourself up for 2022 and beyond. RMD Calculator The financial advisors at Shotwell Rutter Baer work with many...

Join Dave and Nick as they discuss Step Six of the Strategic Reliable Blueprint for your financial success. The build - the action - to make it all happen. 

Join Dave and Nick as they explain the Strategy step of the Strategic Reliable Blueprint process for your financial success.

Amy Gauden joins Nick and Dave to review the Organization step in our Stratetic Reliable Blueprint process.

Join Nick and Dave as they continue their podcast series on each step of the Strategic Reliable Blueprint. If you are just joining us now, please go back and listen to the first 3 steps so you are all caught up. Our FIT Meeting Process Step Two – The Foundation Meeting Step Three – Vision […]

We are very excited about this quarter’s client webinar: ESG Investing 101 featuring Professor Apollo D. Lupescu from Dimensional Fund Advisors. Dr. Lupescu explains how to design and implement portfolios that take into account environmental, social, and corporate governance factors. He is a great speaker and you will really enjoy what he has to say. […]

VISION is the third step in our Strategic Reliable Blueprint process we walk every one of our clients through.

The Foundations meeting is the second step in our Strategic Reliable Blueprint process we walk all of our clients through. 

Join Dave and Nick as they discuss the first step in the Shotwell Rutter Baer Stratetic Reliable Blueprint process. The FIT Meeting.

Fair is fair. Nick interviewed Dave about his personal finances in How Financial Planners Handle Their Own Finances, so in this episode, Dave gets a chance to interview Nick. What is important to Nick Nauta about money? For me the most important thing about money is family. Not only the ability to take care of […]

In a rare look under the hood, Nick interviews Dave on how he manages his own finances and investing. Listen to the entire episode for all the nitty-gritty on how certified financial planners use all that knowledge about money in their own lives. Here are the highlights: Dave’s secret to success is, “Make a conscious […]

Each summer we look forward to working with new interns through our teaching program. Today we interview Ashley, a senior at Michigan State University in the Wealth Management Progam.