The Wiser Financial Advisor Podcast with Josh Nelson

It's an update on Trump accounts for those of you who listened before. Thanks for listenening.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]

In this episode of The Wiser Financial Advisor, Keystone Senior Advisor Jeremy Bush and Associate Wealth Advisor Jen Walenter discuss some of the biggest financial planning mistakes high earners can make. From lifestyle creep and tax inefficiencies to overconcentration in company stock, estate planning oversights, and retirement income strategies, they explore why a high income doesn't automatically translate into financial independence. They also discuss the importance of planning ahead for Roth conversions, Social Security, Medicare, and required minimum distributions (RMDs). Whether you're building wealth or approaching retirement, discover why a comprehensive financial plan can make a difference at every stage of your financial journey.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]

Teach these principles to help ensure that your younger or older kids are set up to live their adult life in solid financial security.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]

Our topic for this episode is Roth versus Traditional IRAs, and which account makes better sense for you to use.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]

Concentration risk means you've got too much of one thing. I'm sure you're looking for a black and white answer on what is too much. And unfortunately, there is no exact number, but there are clues.  It's the principle of don't put all your eggs in one basket.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]

This podcast covers the major financial decisions leading into retirement focusing on a core checklist of choices.Determining the Timing and Affordability of RetirementOptimizing Social Security StrategyEstablishing a Tax-Efficient Withdrawal Order,How to bridge the gap between regular private insurance and Medicare. Working them all togetherInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]

Restricted Stock Units (RSUs) can be a significant part of compensation, particularly for employees in the technology industry, but they also come with important tax and investment considerations. In this episode of The Wiser Financial Advisor Show, Josh Nelson and Jen Walenter discuss how RSUs work, what happens when they vest, how they are taxed, and some of the decisions employees face when their company stock becomes available.Josh and Jen also discuss the risks of allowing company stock to become too large a portion of your portfolio, the emotional connection employees can have to their company stock, and how RSUs can fit into larger goals such as retirement, college funding, diversification, and financial independence. Having a plan in place before RSUs vest can help you make thoughtful decisions rather than trying to figure out what to do each time shares become available.If you receive RSUs through your employer and aren't sure what to do with them, this episode offers practical considerations to help you think through your options. Listen in, and if you have questions about how RSUs fit into your overall financial plan, contact Keystone Financial Services to learn more.Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]

Today we thought it would be interesting to do a portfolio sanity check on all the turbulence and craziness of the last few years. Some of what we talk about is going to make you question or maybe reaffirm what you're already doing, which could result in some changes in how you'll manage your portfolio. We want you to really understand what’s involved in those decisions and what the outcomes end up being.A transcript of this episode is posted and episode chapters have been created for your convenience. Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]

Recently host Josh Nelson had the opportunity to visit with Danielle Roberts, a founding partner at Boomer Benefits, which is a national agency specializing in Medicare-related insurance products since 2005. She is a nationally recognized expert in the Medicare and health insurance industry and the author of the bestselling book 10 Costly Medicare Mistakes You Can't afford to Make  which is on Amazon and Barnes and Noble.  Their conversation focuses on what challenges a lot of people face as they’re getting older and transitioning into retirement or early retirement, figuring out what to do for medical benefits. Danielle Roberts helps making the walk through the Medicare maze easier for you. Resources:National Association of Underwritershttp://nahu.orgBoomer Benefitshttps://boomerbenefits.com/Josh Nelsonhttp://keystonefinancial.comThe Wiser Financial Advisor Podcasthttps://www.keystonefinancial.com/podcastInstagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]

When to apply for Social Security is a very personal decision. Everyone has different reasons for choosing when they collect their benefits so it's a very personal decision. In any case there are three basic but important factors to consider before applying. In this episode host Josh Nelson covers these factors as well as other facts about being on Social Security you should know. Thanks for listening!  Please Like/Subscribe/Download (and share) The Wiser Financial Advisor podcastContact Joshhttps://www.keystonefinancial.com/Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editor: Tim Leaman/[email protected]