Fi Plan Partners

By Fi Plan PartnersEducation Self-Improvement

Fi Plan Partners episodes

March 19 Correlation and Causation
On this week’s episode of Educational Insights, Trey Booth explains the critical difference between correlation and causation in investing. While many market trends appear connected, like certain stocks rising alongside the broader market, he highlights why moving in the same direction doesn’t necessarily mean one causes the other. By looking beyond surface-level data and digging into the underlying drivers of market behavior, investors can better understand the real forces influencing their decisions.
Watch to learn more.
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Correlation and Causation first appeared on Fi Plan Partners.
2 min
March 16 Oil Tells the Story
Higher Oil Prices are Cutting into Consumer Tailwinds
Coming into the year, one of the major economic themes was the expected strength of the U.S. consumer. A key reason for that optimism was the wave of additional tax refunds created by provisions from last year’s tax legislation, including changes such as no tax on tips, no tax on overtime, and adjustments to the SALT deduction. These measures were expected to deliver a meaningful boost to household cash flow. So far, that boost has materialized. Tax refunds are running about $24.7 billion higher compared to this time last year, providing a significant inflow of funds to American households. However, rising oil prices are beginning to offset part of that benefit. Gasoline costs have increased by roughly 57 cents per gallon, and because the United States consumes about 380 million gallons of gasoline per day, that price increase translates to approximately $218 million in additional daily spending on fuel. Over time, that adds up quickly. Estimates suggest that around $5–6.5 billion of consumer purchasing power has already been absorbed by higher gasoline costs. While that has not eliminated the entire tax refund boost, it has clearly reduced the amount of money consumers have available for discretionary spending. There are early signs of this shift in behavior. The U.S. savings rate has moved higher, indicating that consumers may be holding onto more of their refund rather than spending it broadly across the economy. Instead, a larger portion of that money is being redirected toward energy costs. This dynamic isn’t inherently negative, but if energy prices remain elevated for an extended period, it could limit the broader economic stimulus that tax refunds were expected to provide.
Oil Markets Echo Past Geopolitical Shocks
Consumer spending remains one of the most important drivers of economic growth and market performance, which makes rising oil prices especially significant. To better understand the current environment, it’s helpful to look at how oil prices behaved during previous geopolitical shocks, particularly the surge that followed the Russian invasion of Ukraine. At that time, oil prices rose sharply as the conflict escalated. Brent Crude climbed from around $65 per barrel in early December 2021 to roughly $139 per barrel as the war unfolded in early 2022. Recent events show a similar pattern. Tensions surrounding the conflict involving Iran pushed oil prices from about $60 per barrel to nearly $120, reaching a peak around early March before retreating as tanker traffic resumed through the Strait of Hormuz. This waterway is one of the most critical chokepoints in global energy supply, with a significant share of the world’s oil passing through it. Because of that, any disruption to traffic there introduces considerable supply risk. The good news is that oil prices have recently pulled back, suggesting that markets may be pricing in a better-than-feared outcome. If the pattern continues to resemble the 2022 experience, there’s a possibility that peak prices for this geopolitical event may already be behind us. Still, uncertainty remains high. Oil volatility continues to reflect ongoing concerns about the duration and intensity of the conflict and its potential impact on global supply.
What Higher Oil Means for the Federal Reserve
While market attention has largely been focused on geopolitical developments and energy prices, another important factor is quietly approaching: the Federal Reserve’s upcoming policy meeting. The Federal Reserve is widely expected to hold rates steady for now. However, expectations for interest rate cuts have shifted dramatically in recent months. At the start of the year, markets were pricing in roughly three rate cuts for 2026. That expectation has now dropped to fewer than one cut for the year, a significant change in outlook. A major reason for this shift is renewed concern about inflation, particularly due to higher energy prices. Oil price spikes often create short-term inflation pressure, but historically they tend to be one-off events rather than drivers of sustained inflation. In many cases, high oil prices eventually slow economic activity, which helps ease inflation pressures over time. Some early signs of that slowdown are beginning to appear. Recent revisions show that U.S. real GDP growth slowed from 1.4% in the fourth quarter to 0.7%, indicating a modest deceleration in economic momentum. Ironically, if oil prices eventually decline, as they often do after geopolitical shocks, the resulting drop in inflation pressure could reopen the door for additional rate cuts from the Fed. For now, savers may benefit from higher interest rates lasting longer than expected. But if oil prices retreat and economic growth slows further, the outlook could shift toward two to three rate cuts, which would be more favorable for borrowers.
Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Oil Tells the Story first appeared on Fi Plan Partners.
5 min
March 12 Crypto ETFs vs Owning Actual Crypto
On this week’s episode of Educational Insights, Ty Miller explores the growing conversation around cryptocurrency investing and the key differences between owning crypto directly and investing through a crypto ETF. He explains how each option works, from the convenience and regulation of ETFs traded through brokerage accounts to the control and responsibility that comes with holding digital assets in your own wallet. The episode also dives into decentralized apps (dApps) and highlights key differences in ownership, regulation, taxation, and potential use cases that investors should understand before deciding which approach fits their strategy.
Watch to learn more.
Ty Miller
Vice President
Wealth Consultant
Email Ty Miller here
Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Crypto ETFs vs Owning Actual Crypto first appeared on Fi Plan Partners.
7 min
March 09 What’s Changed?
Oil Spikes and What They Historically Mean for Markets
One of the most immediate market reactions to geopolitical tension in the Middle East is the surge in oil prices. Since the current conflict began on February 28, crude oil has risen sharply, climbing roughly 18% within days and continuing to move higher as new developments unfold. While oil has surged, other areas that investors often expect to benefit during periods of uncertainty, such as gold, consumer staples, healthcare, and aerospace and defense, have not seen the same type of strength. In fact, several of these traditionally defensive sectors have declined during the same period. This unusual pattern highlights just how quickly market dynamics can shift during geopolitical events. To better understand the implications of a sudden oil spike, it is useful to look at historical data. When oil experiences a rapid five-day rate of change similar to what markets are seeing now, the S&P 500 has tended to show modest short-term weakness but stronger performance over longer periods. Historically, the market has averaged roughly a 1% decline one month after a sharp oil spike. Three months later, returns typically turn positive at about 1%, followed by gains of around 2.5% after six months. Over longer time frames, nine to twelve months, the market has historically delivered even stronger performance. Looking at median returns, which reduce the influence of outlier years like 2008, tells a similar story. Despite sudden jumps in energy prices, equities have generally performed well over time. This pattern suggests that while energy shocks can cause temporary disruptions, they have rarely led to sustained market weakness. Investors may simply need patience while markets digest the initial volatility.
How Markets Historically Respond to Geopolitical Events
Geopolitical conflicts often create immediate uncertainty in financial markets. The initial reaction is typically increased volatility and a short-term decline in stock prices as investors respond to rapidly evolving news. However, history shows that these events rarely lead to prolonged market downturns. Data examining major geopolitical events since 1941 reveals a consistent pattern. While markets may fall initially when conflict breaks out, the S&P 500 has historically recovered and produced positive returns over the following months. On average, the index has risen about 2.6% three months after major geopolitical events. Six months later, average gains increase to approximately 5.8%, and twelve months after the event, the average return rises to about 7.8%. Recent Middle East conflicts follow a similar pattern. In many cases, the market declined when the news first broke but was higher three, six, and twelve months later. Of course, every event occurs within a unique economic backdrop. Some geopolitical conflicts unfold during periods of economic weakness, while others occur when economic fundamentals remain strong. That broader environment can influence how quickly markets recover. For investors, the key takeaway is that while geopolitical events often create short-term volatility, long-term market performance tends to be driven by more fundamental factors such as corporate earnings and economic growth. Rising oil prices, for example, could influence consumer spending and corporate profitability, which are important drivers of stock prices over time.
Key Technical Levels to Watch
During periods of intense news flow and rapidly changing headlines, market technicals can provide valuable insight into investor sentiment and potential turning points. Price action often reveals how investors are collectively responding to uncertainty. When markets face heightened volatility, watching key support and resistance levels becomes especially important. For the S&P 500, one important level recently stood at 6,710. This area represented a key resistance point where buying pressure had previously helped support the market. If the index breaks below this level and closes beneath it, attention shifts to the next major support level. That next level sits near 6,582, which corresponds with the 200-day moving average. The 200-day moving average is one of the most widely followed technical indicators in the market. It represents the average price investors have paid for the index over the past 200 trading days. Because of this, it often acts as a psychological threshold where buyers and sellers reassess positions. If the market approaches that level, investors who previously purchased near that average price may choose to lock in profits or defend their positions by buying additional shares. This dynamic frequently creates support around the 200-day moving average. Importantly, the moving average is currently trending upward, which is typically viewed as a positive signal for the broader market trend. From a broader perspective, the current situation appears to be a market-driven event rather than a fundamental economic shift. When volatility is driven primarily by headlines rather than economic deterioration, technical indicators can help investors monitor how sentiment is evolving in real time.
Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post What’s Changed? first appeared on Fi Plan Partners.
5 min
March 05 Commercial Construction Slowdown
On this week’s episode of Educational Insights, Ashley Page examines why commercial construction is slowing down and what that means for the U.S. economy. From labor shortages tied to tighter immigration to rising material costs driven by tariffs, he breaks down the key forces slowing new projects across offices, hotels, apartments, and warehouses. He also highlights one bright spot: the rapid expansion of AI data centers, which is quickly becoming a powerful driver of new construction spending.
Watch to learn more.
Ashley Page, JD, MBA
Senior Vice President
Wealth Consultant
Email Ashley Page here
Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Commercial Construction Slowdown first appeared on Fi Plan Partners.
5 min
March 02 “The Truth is the First Casualty.”
Technical Levels and Market Support
From a technical standpoint, the market has shown notable resilience despite geopolitical tension. The S&P 500 is currently trading around 6,845, holding up well in the wake of weekend developments. While volatility may persist, it is important to evaluate where meaningful support levels lie. The first key support range sits between approximately 6,522 and 6,630, roughly a 3–5% decline from current levels. This area corresponds closely with the 200-day moving average, a widely followed long-term technical indicator. Further support exists near the 6,150 to 6,200 range. This level represents last year’s breakout zone and would equate to a more typical 10% market correction. Corrections of this magnitude are historically normal within broader uptrends. Importantly, the market remains in an established uptrend. Identifying these “lines in the sand” does not imply that a significant decline is imminent. Rather, it provides a structured framework for evaluating risk should volatility increase.
A Healthier, Broader Market
Beyond technical levels, underlying market strength offers encouraging signs. One of the most constructive developments in recent months has been the broadening of market participation. In prior years, performance in the S&P 500 was largely concentrated in a small group of mega-cap stocks, often referred to as the “Magnificent Eight.” A healthy bull market, however, is characterized by broader participation across sectors and market capitalizations. Since October of last year, performance has expanded beyond the largest names. Mid-cap and smaller companies have demonstrated improved strength, while many of the previously dominant mega-cap stocks have underperformed relative to the broader index. This rotation signals improving market breadth and positive structural development. Broader participation creates a more stable foundation for equity markets, particularly during periods of geopolitical uncertainty. As the second quarter of the midterm election year unfolds, a period that has historically experienced weakness, the strengthening internal dynamics of the market provide a constructive backdrop.
Oil, Inflation, and the “First Casualty”
There is a longstanding saying that the first casualty of any conflict is the truth. Early reports during geopolitical crises are often incomplete or inaccurate. Reacting emotionally to initial headlines can lead investors astray. Instead, the focus should remain on measurable data, particularly price action across key markets. In the current environment, oil prices serve as a primary barometer. Historically, Middle East conflicts have had direct implications for crude oil supply and pricing. A review of West Texas Intermediate (WTI) crude over the past five years illustrates this clearly. During the 2022 conflict in Ukraine, oil prices surged above $120 per barrel and remained elevated above $100 for an extended period. Today’s price movement is far more muted. WTI crude has risen to just above $72 per barrel, up from recent lows near $50, but significantly below the extremes seen in prior conflicts. This comparatively restrained reaction suggests markets are not yet pricing in a severe supply disruption. Statements from OPEC members signaling potential production increases may also be helping temper price spikes. Oil matters not only at the gas pump, but more critically through its influence on inflation. Elevated energy prices can make inflation “stickier,” complicating the Federal Reserve’s efforts to lower interest rates. As inflation persists, interest rates may remain higher for longer. The 10-year U.S. Treasury yield remains another key indicator. In recent years, yields moving above approximately 4.5% have coincided with equity market weakness. As long as rates remain within the low-4% to 4.5% range, the broader market environment has tended to remain constructive. The interplay between oil, inflation, interest rates, and equity valuations ultimately determines portfolio outcomes. At present, inflation and rates remain within manageable ranges, and the broader market structure, both technically and fundamentally, remains intact. That does not eliminate risk, but it does suggest there is no immediate evidence that the prevailing uptrend has reversed. Disciplined investors avoid knee-jerk reactions. Instead, they monitor price signals, assess incoming data, and make measured adjustments only when warranted.
Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post “The Truth is the First Casualty.” first appeared on Fi Plan Partners.
5 min
February 26 Why Has Job Growth Slowed?
On this week’s episode of Educational Insights, Ashley Page unpacks the slowdown in U.S. job growth and what it signals for the broader economy. From the shift to a “low hire, low fire” environment to the impact of tariffs, labor shortages, AI adoption, and shifting workforce dynamics, he breaks down the four key forces reshaping today’s labor market. While hiring has cooled significantly, he also highlights why steady consumer spending and a still-healthy unemployment rate may offer important context for investors.
Watch to learn more.
Ashley Page, JD, MBA
Senior Vice President
Wealth Consultant
Email Ashley Page here
Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Why Has Job Growth Slowed? first appeared on Fi Plan Partners.
5 min
February 23 Tariffs, Taxes, and Earnings, Oh My!
Tax Refunds and the Consumer Spending Boost
There is encouraging news on the tax front. Tax refunds for 2026 are already running approximately $3 billion ahead of last year, reflecting a 17% increase driven in part by recent tax legislation. While that growth rate is slightly below earlier projections, it remains strong and meaningful. Historically, refund season begins to accelerate in late February and continues through May. Current data show this year’s refunds are already tracking ahead of prior years, suggesting that a meaningful influx of cash into households is just beginning. Why does this matter for investors? Consumer spending is a major engine of the U.S. economy and a key contributor to corporate revenue and profit growth. With interest rates trending lower and refunds rising, more money in consumers’ pockets could translate into stronger spending. Increased spending supports corporate profitability, which in turn underpins stock market performance. We are monitoring refund trends closely, as they may provide an important tailwind for economic growth and equities in the months ahead.
The Supreme Court Ruling and the Future of Tariffs
Tariff policy shifted dramatically following a recent Supreme Court ruling regarding the administration’s use of the International Emergency Economic Powers Act (IEPA). While IEPA has traditionally been used for sanctions and embargoes, it had been applied in this case to implement tariffs. The Court ruled that using IEPA in this way was unconstitutional. Importantly, the decision does not eliminate the executive branch’s authority to impose tariffs. Congress has granted tariff powers through other established mechanisms. In response to the ruling, the administration moved quickly to replace IEPA-based tariffs with alternative authorities, including Section 122 for a broad 15% tariff framework, as well as Sections 301 and 232 for more targeted, country- and industry-specific tariffs. Existing tariffs on industries such as steel and aluminum, as well as tariffs imposed on China beginning in 2018 under Section 301, remain in place. The ruling also raises questions about roughly $130 billion in tariffs previously collected under IEPA. Corporations are expected to pursue litigation seeking refunds, a process that could take months or even years to resolve. While companies may fight aggressively for those funds, consumers should not expect direct reimbursement for tariff-related price increases on retail goods. For markets, the key takeaway is that while the legal pathway has changed, the overall revenue expectations from tariffs are projected to remain similar. However, the structure has become more complex, and policy developments in this area will continue to warrant close attention.
Earnings Growth: The Market’s Lifeblood
Amid political noise and policy debates, it is important to remember that corporate earnings ultimately drive market performance. With approximately 75% of companies reporting, revenue growth is coming in at roughly 8.5%, exceeding earlier expectations of 6% to 7.5%. Even more impressive is earnings growth, currently tracking around 13.5%, well above prior projections in the 7.5% to 9% range. Strong earnings help justify elevated market valuations. When companies deliver accelerating profits, investors are often willing to pay higher multiples. However, rising earnings also bring rising expectations. Current projections call for approximately 14% earnings growth in 2026 and 15% in 2027, ambitious targets that will require sustained economic strength. Markets often react not just to results, but to the gap between expectations and reality. A solid 10% earnings growth rate could disappoint if investors expected 15%. Conversely, modest expectations that are exceeded can support continued market gains. That is why we monitor both present results and forward-looking projections. Managing expectations is just as important as measuring performance.
Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Tariffs, Taxes, and Earnings, Oh My! first appeared on Fi Plan Partners.
5 min
February 19 Pros and Cons of a Roth 401(k)
On this week’s episode of Educational Insights, Robert Moody breaks down the Roth 401(k) and how it compares to a traditional 401(k), along with how to know which one may be the best fit for your goals. From tax-free growth and withdrawals to contribution limits, employer matching, and tax diversification, this episode highlights the key pros and cons to help you make a confident decision. He also walks through common situations where a Roth 401(k) can be especially valuable, including for younger savers, higher earners, and those planning for long-term flexibility in retirement.
Watch to learn more.
Robert Moody, CFP®, CEPA®
Senior Vice President
Wealth Consultant
Email Robert Moody here
Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Pros and Cons of a Roth 401(k) first appeared on Fi Plan Partners.
4 min
February 12 Hold Your Horses
On this week’s episode of Educational Insights, Mark Hume breaks down the topic of allowing private investments inside 401(k) plans and what it could mean for everyday investors. Private equity may offer new opportunities for diversification beyond public markets, but it also comes with important differences like fees, transparency, and how these investments are evaluated. This episode highlights the key pros and cons to understand, so that you can make informed decisions as this space continues to evolve.
Watch to learn more.
Mark Hume, CFP®
Senior Vice President
Wealth Consultant
Email Mark Hume here
Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Hold Your Horses first appeared on Fi Plan Partners.
3 min

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