The Momentous Wealth Podcast

Mortgage rates have been on a rollercoaster—so what’s really happening in the housing market? In this episode, Todd Pisarczyk and Nik Miner sit down with mortgage expert Jason Fleming to break down current interest rate trends, what’s driving the recent shifts, and what buyers and homeowners should be watching for in the months ahead. Whether you're in the market for a home or just keeping an...

Private equity has become a major force in today’s investment landscape—but is it right for your portfolio? In this episode, Todd and Aiden Pisarczyk break down what private equity really is, how it differs from public markets, and why it’s typically reserved for accredited investors. They explore the potential benefits, risks, and what to consider before diving in. Whether you’re a business owner...

In this episode of the Momentous Wealth Podcast , Todd Pisarczyk and Aiden Pisarczyk unpack the complexities of the U.S. national debt and what it really means for investors. They explain how government debt differs from personal debt, why rising debt levels often make headlines, and whether it should change the way you invest. Their takeaway? While national debt is important to understand, it sho...

In this episode of The Momentous Wealth Podcast, Todd Pisarczyk and Nik Miner discuss how political environments influence investor sentiment—and why most political headlines don’t translate into long-term market impact. They explore common misconceptions around politics and investing, explain why reacting emotionally to policy changes can hurt your portfolio, and encourage a long-term, fundamenta...

Todd Pisarczyk and Nik Miner dive into Washington State’s newly passed Senate Bill 5813 — and it’s a big one. This legislation brings significant increases to capital gains and estate taxes for Washington residents. In this episode, we unpack what’s in the bill, what it could mean for your financial future, and practical strategies that may help reduce the impact. We also explore specific planning...

In this episode, Todd Pisarczyk and Nik Miner break down the buzz around the newly passed “Big Beautiful ”Bill”— and why it matters to your money. From major planning updates to subtle shifts that could impact your portfolio, we highlight the most important takeaways for investors. Whether you’re a business owner, a busy professional, retired, or just trying to stay ahead of the curve, we’ve got y...

In this episode, we’re joined by special guest Nathan Sanow for an honest, insightful conversation on long-term care—what it is, why it matters, and why having a plan  before  you need it is one of the smartest financial decisions you can make. If you’re in your 40s or 50s and haven’t thought much about this yet, this episode is your wake-up call. We break down the myths, the costs, and the key co...

The Momentous Wealth Podcast with Todd Pisarczyk In Part 2 of our market volatility series, we’re shifting the focus to investors who are nearing or already in retirement. Todd walks through what we call the Buckets of Money approach—a practical framework we use at Momentous Wealth to help clients maintain a long-term perspective, even when it feels like time horizons are shrinking. When markets a...

The Momentous Wealth Podcast with Todd Pisarczyk. 2025 has been a volatile year for the markets, and at Momentous Wealth, we know that uncertainty can raise a lot of questions for investors. In this two-part series, we’re breaking down timely strategies to help you stay grounded and make confident decisions in a shifting landscape. In Part 1, Todd dives into the power of diversification. While it’...

Welcome to a pivotal decade! In this episode, we dive into the crucial strategies every investor in their 40s needs to master. Whether you’re a business owner looking to maximize your wealth or a professional navigating career shifts, we’ll cover the essential moves to grow and protect your nest egg. Discover how to leverage your peak earning years, craft a tax-savvy investment plan, and build mul...

We all know saving for the future is important, but how do you balance that with living your best life right now? In this episode, Todd sits down with special guest Linde Carroll, CFP and co-owner of Momentous Wealth Management, to unpack this very question. Together, they explore practical strategies for managing your money in a way that aligns with your goals and values. How much should you save...

In this “emergency episode,” we break down what you need to know about the Federal Reserve's latest move to lower interest rates.  We give several actionable tips along with information about real-life impacts and the typical reaction of the stock market during rate-cut cycles.  The historical performance data we provided for the S&P 500 in response to Federal Reserve rate cut cycles were from...

It goes by many names, including Seperately Managed Accounts, SMAs, Custom Indexing, Personalized Investing, and more. But no matter what you call it, we have to take notice of the growing popularity of this investment vehicle.  According to data from The Cerulli Edge, SMA assets under management grew from $951 billion to $2.1 trillion from 2017-2023.  In this episode, Todd and Nik discuss some of...

In this episode, Todd sits down with special guest, Ryland Puzzitiello, Regional Director at Dimensional Fund Advisors. Dimensional Funds is one of the world’s leading Mutual Fund and ETF providers with over $740 billion under management (as of June 30, 2024). They were one of the pioneers of the Evidence Based Investing approach. Todd and Ryland discuss what evidence based investing is and its po...

This week's episode is a solo episode hosted by Nik Miner about the potential rollback of the current tax laws. As it currently stands, the tax law changes that were implemented in 2017 are set to end (aka "sunset") at the end of 2025. Nik will be discussing what these changes would bring and how you can start to think about planning your finances accordingly. This is a 2-part mini-s...

According to data from Bloomberg and Charles Schwab, as of July 16th, 2024, the top 10 companies in the S&P 500 now account for over 38% of the index. This type of concentration has not been seen since the 1970's, when the top 10 companies accounted for around 35% of the index. Much of this has to do with the continued growth of the "Magnificent 7". In this episode, Todd and Nik discuss what this...

How much should you keep in cash is a very common question we get from clients. With the significant rise in interest rates we have seeing over the last several years investors now have more attractive options for earning interest on their savings than they have in while. In this episode, Todd and Nik discuss the factors you might consider when trying to decide how much to keep in cash and what ty...

In this episode, Todd and Nik discuss the topic of the national debt and its potential long-term impacts on the economy and financial markets. Check out the article mentioned in this episode: https://www.schwab.com/learn/story/deficits-debt-and-markets-myths-vs-realities

Recently the Wall Journal published an article saying the new “magic number” one most have saved in order to retire is $1.46 million.  In this episode Nik and Todd attempt to dissect the reasoning behind the number, how applicable numbers like this are, and how to determine what your “magic number” might be in order to retire.  Check out the article mentioned in this episode: https://www.schwab.co...

In this episode, Todd sits down with Rick Campfield to discuss how to plan for a successful business transition. Todd even gets some advice on his own situation for the time when he starts to consider when it may be appropriate to begin planning his exit strategy. Rick lays out a framework for businesses to help create health and wealth which is meant to ensure a smooth sale or transition when the...

Todd and Nik return for the second episode in a 2-part series tackling the do’s and don’t of successful investing. This week’s episode highlights the importance of focusing on the elements of investing that are controllable. These 5 tips will keep you on the right financial track in a world inundated by excess information and commentary. Click this link for an article mentioned in this episode: Pu...

Today Todd and Nik discuss three common mistakes investors make and potential pitfalls you should avoid as investor. This is episode one of a two part series where we discuss “what not to do,” and in our next episode we will discuss “what to do”. Link to an article mentioned in the podcast: Three Common Investing Mistakes

In this episode host Todd Pisarczyk and special guest Linde Carroll, CFP discuss how election years have historically impacted financial markets. 2024 will bring not only a US Presidential Election, but it has been called “Electionpalooza” as 76 countries around the world are holding elections as well.

As we turn the calendar year to 2024 Todd and Nik discuss the potential longer term “seasonal” outlook for stocks, interest rates, and the economy. What investors experienced in markets and the economy since 2009 has been abnormal for many reasons. Will 2024 bring a change in the seasons and a return to a more normal economic environment? If that does occur what does normal look like? Check out th...

In this episode Todd and Nik discuss tips and ideas for teaching your children about budgeting, savings, and investing. They also discuss their own experience and exposure to the world of finance as teenagers and Todd shares some practical tips he has used with his own family to help them become more financially aware. For more information on Momentous Wealth Management, visit our website: www.mom...