Discover a little-known opportunity that allows Ohio taxpayers to redirect their state income tax dollars to private school scholarships—at absolutely no cost to themselves. This game-changing program gives you direct control over a portion of your tax dollars while providing vital financial support to K-12 non-public education.

Jake Martin, CFP, joins host Andy Keeler to unveil the Scholarship Granting Organization (SGO) tax credit, a powerful but underutilized program introduced in Ohio in 2021. Unlike typical charitable deductions, this dollar-for-dollar tax credit means your $750 (individual) or $1,500 (couple) donation costs you nothing—the state essentially returns every penny through reduced tax liability. The impact? When multiple supporters participate, schools can raise hundreds of thousands in scholarship funding annually.

The conversation breaks down exactly how the process works, who qualifies, and the simple steps to participate. You'll learn why this opportunity extends far beyond parents to include grandparents, friends, teachers, and anyone who pays Ohio income taxes. Jake shares real examples of how schools have leveraged this program to dramatically increase scholarship funding, making private education accessible to more families while strengthening school financial stability.

Whether you have children in private school, support educational choice, or simply want more control over your tax dollars, this episode reveals a straightforward strategy that benefits schools without costing you a dime. Connect with your school administrators to help them organize participation or reach out directly to our Keeler and Nadler team with questions about implementing this opportunity in your community

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Tax legislation can be overwhelming, especially when it spans 870 pages of dense policy changes. Our latest deep dive untangles the recently passed "Big Beautiful Bill" (BBB) to spotlight the provisions most likely to impact your financial future.

The BBB primarily extends many provisions from the 2017 Tax Cuts and Jobs Act that were scheduled to sunset at the end of 2025. Most notably, the current tax rates have been made permanent, eliminating a significant source of uncertainty for long-term financial planning. But beyond these extensions, several transformative changes and new provisions deserve your attention.

Perhaps most impactful for residents of high-tax states is the quadrupling of the SALT (State and Local Tax) deduction cap from $10,000 to $40,000. This change alone could save qualifying taxpayers thousands in federal taxes and is retroactive to 2025, creating immediate planning opportunities. For families, the Child Tax Credit increases to $2,200 per child, while Americans 65 and older could see some benefits as well.

Some of the most innovative provisions target specific income types: tipped employees can exclude up to $25,000 of their tips from taxation, while all workers can exclude up to $12,500 of overtime wages. Car buyers financing American-assembled vehicles can deduct up to $10,000 in annual loan interest. Looking further ahead, the "Trump accounts" program will provide government-funded investment accounts for children born between 2025-2028.

Whether you're planning your 2025 tax strategy or looking at long-term estate planning with the new $15 million per person exemption, understanding these changes is crucial. Connect with us to explore how these provisions might create new financial opportunities for you and your family.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

When was the last time you calculated exactly what you're paying for financial advice? More importantly, do you know what services you should be receiving for those fees? In this eye-opening exploration of advisor compensation, we pull back the curtain on an industry where costs are often obscured and services vary dramatically.

Most registered investment advisors charge between 1-1.25% of assets under management annually, translating to $10,000 per year on a $1 million portfolio or $50,000 on $5 million. But as Jake Martin, our newest Keeler & Nadler team member with 12 years of experience at a billion-dollar wealth management firm explains, this percentage should typically decrease as your assets grow. 

The value conversation extends far beyond fee percentages. True comprehensive financial planning encompasses three critical elements: aligning with your specific goals and priorities, implementing holistic strategies (from tax planning to estate preparation), and managing investments appropriately for your situation. Vanguard research suggests quality advisors can add approximately 3% in annual value to client portfolios, largely through preventing behavioral mistakes during market volatility. 

Perhaps most revealing is our discussion of the hidden costs embedded in investment vehicles. While advisor fees appear on statements, fund expense ratios silently reduce returns without transparency. These can range from 0.03% for simple index funds to 2% for actively managed options, sometimes with additional sales loads taking 5-6% off the top. The cumulative impact of these layered costs creates a dramatic difference in long-term performance, illustrated through Andy's compelling "weighted vest" analogy.

Whether you're currently working with an advisor or considering one, this episode provides the knowledge to evaluate what you're paying, what you should expect in return, and how to recognize if you're receiving true value for your investment in professional guidance. Your financial future depends on understanding these often-overlooked details.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Why would supposedly rational people bid $28 for a $20 bill? What makes gambling so irresistibly attractive despite overwhelming odds against winning? Dr. William Resch pulls back the curtain on the powerful psychological forces that drive our betting behaviors in this eye-opening conversation with Andy.

Step into the carefully engineered world of modern gambling, where nothing happens by accident. From the moment you enter a casino—with its clockless, windowless environment and maze-like pathways—to the seemingly generous bonuses offered by online betting platforms, you're engaged in a sophisticated psychological experiment designed to separate you from your money.

Beyond individual losses, the conversation explores broader economic impacts when money flows to gambling instead of investments, and the limited treatment options available for those struggling with addiction. Dr. Resch explains why cognitive behavioral therapy and support groups remain the foundation of recovery, though promising medication research continues.

Whether you're occasionally tempted by a lottery ticket or concerned about someone's gambling habits, this episode provides crucial insight into how our minds work—and how gambling operations exploit our natural psychological tendencies. Knowledge is the first step toward making truly rational decisions about when to hold 'em and when to walk away.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

The real estate landscape has shifted dramatically, and at the heart of today's housing crisis lies an unexpected culprit: the golden handcuffs of record-low mortgage rates from a few years ago. Homeowners who secured rates now find themselves reluctant to sell, constraining inventory and exacerbating market stagnation.

Antonio Benton, Senior Vice President at First Commonwealth Bank, joins us to unpack this complex challenge and reveal creative solutions for those feeling trapped by their mortgage rate. With current 30-year fixed rates hovering around 6.875% (close to historical averages but dramatically higher than recent lows), both buyers and sellers need fresh strategies to navigate this environment successfully.

We explore practical approaches to overcome today's mortgage obstacles, from the surprising affordability of adjustable-rate mortgages to innovative financing tools like bridge loans and mortgage recasting. For families helping the next generation achieve homeownership, we discuss intergenerational lending opportunities that benefit both parents and their children. And for retirees concerned about qualifying with limited income despite substantial assets, Antonio shares lesser-known strategies that open doors to continued mobility.

The conversation demystifies complex financing concepts while providing actionable insights for prospective homebuyers, reluctant sellers, and empty nesters alike. As Antonio reminds us, "Every day is different, every loan is different, every borrower is different." 

Have questions about your specific situation or ideas for future episodes? Connect with Andy on LinkedIn or send us an email – we'd love to hear from you.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Warren Buffett once said, "I try to invest in businesses that are so wonderful an idiot can run them, because sooner or later one will." This refreshingly simple approach has helped build one of history's greatest fortunes over six decades and offers profound lessons for investors at every level.

As Buffett prepares to step down from Berkshire Hathaway at 94, we explore the timeless wisdom that has guided his extraordinary career.  The cornerstone of Buffett's philosophy centers on investing in companies with strong "moats" – sustainable competitive advantages that protect businesses from competitors. Whether through powerful brands (Heinz), high switching costs (Microsoft), or network effects (Apple), these moats enable long-term profitability that Buffett prizes above all. His famous "buy low, sell never" approach minimizes turnover and taxes while allowing compounding to work its magic.

Perhaps most valuable is Buffett's emphasis on investor temperament, which Andy talks about on many of our episodes.  While intelligence matters, emotional discipline during market volatility separates successful investors from the crowd. Buffett's contrarian advice to "be fearful when others are greedy, and greedy when others are fearful" highlights why psychology often determines investment outcomes more than technical skill.

Whether you're just starting your investment journey or have a substantial portfolio, these principles transcend market cycles and economic conditions. The Oracle of Omaha's greatest gift may be showing us that extraordinary results can come from ordinary wisdom, consistently applied.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

(This is a previously published episode from February) 

Unlock the secrets of turning financial complexity into clarity from our full-house of experts, led by host, Andy Keeler, along with his team: Abby Rose, Jessica Hultberg, and Mark Beaver. Abby shares an intriguing tale of how strategic tax planning converted a looming tax bill into a surprising (and large) refund, illustrating the power of diligent oversight.   Jessica delves into the nuances of Medicare premium planning and stresses the critical need for modernizing estate planning documents to avoid costly pitfalls.   Mark talks about diving into social security regulations that can really affect your benefits.   But here's the thing; everyone at Keeler & Nadler goes beyond just expertise.   Mark went with his client to the Social Security office locally after hitting a roadblock online.   At a clients' invitation, Jessica went to their home to talk to their daughter about colleges, options and cost.    And maybe the gold star goes to Andy who'll do everything from run numbers on car leasing versus buying when a client is at the dealership to going belly-first under a clients' home to inspect the foundation.

Financial planning isn't just about 'the numbers' —it's a holistic approach akin to a doctor treating a patient. We explore how investment management, tax strategies, estate planning, and risk management are all tightly intertwined. Through these personal stories, we uncover the emotional depths of guiding clients through life-altering events ranging from empty nesting to divorce.  That's really important in understanding every facet of a client's life to offer personalized advice.

In this conversation, we also emphasize the benefits of professional management of financial intricacies, especially in retirement. We discuss strategies to keep clients' income below thresholds to avoid higher Medicare premiums, ultimately saving them thousands. Even those with financial acumen can benefit from professional guidance, particularly in complex scenarios involving capital gains. Ultimately, the episode shines a light on the trust and value inherent in long-term client relationships compared to the impersonal nature of other firms that just focus on 'the numbers'. 

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Why would supposedly rational people bid $28 for a $20 bill? What makes gambling so irresistibly attractive despite overwhelming odds against winning? Dr. William Resch pulls back the curtain on the powerful psychological forces that drive our betting behaviors in this eye-opening conversation with Andy.

Step into the carefully engineered world of modern gambling, where nothing happens by accident. From the moment you enter a casino—with its clockless, windowless environment and maze-like pathways—to the seemingly generous bonuses offered by online betting platforms, you're engaged in a sophisticated psychological experiment designed to separate you from your money.

Beyond individual losses, the conversation explores broader economic impacts when money flows to gambling instead of investments, and the limited treatment options available for those struggling with addiction. Dr. Resch explains why cognitive behavioral therapy and support groups remain the foundation of recovery, though promising medication research continues.

Whether you're occasionally tempted by a lottery ticket or concerned about someone's gambling habits, this episode provides crucial insight into how our minds work—and how gambling operations exploit our natural psychological tendencies. Knowledge is the first step toward making truly rational decisions about when to hold 'em and when to walk away.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

The way we think about long-term care needs a radical reimagining. Moving beyond the antiquated image of hospital-green hallways and institutional settings, our expert guests Sherlyn Swindell of Plus Financial Network and Lisa Harder of Securian Financial help reframe this inevitable life phase as an event rather than a place.

"We all are going to need care," Sherlyn explains, helping listeners understand that long-term care encompasses everything from occasional help with household tasks to full nursing care. What matters most isn't where you receive care but maintaining the freedom to choose how and where you want to live when you need assistance.

The financial landscape for funding this care has evolved dramatically. Traditional long-term care policies operated on a frustrating "use it or lose it" model with ever-increasing premiums. Today's hybrid policies offer revolutionary improvements: guaranteed benefits, one-time premium options, cash indemnity payments rather than complicated reimbursements, and even return of premium features.

Andy and his guests also breakdown just how these policies work, with Lisa explaining the qualification process (inability to perform two daily living activities or having severe cognitive impairment) and the flexibility of receiving cash benefits you can use however you choose. The 90-day calendar elimination period aligns perfectly with Medicare's typical 100-day coverage, creating a seamless transition to long-term care benefits when needed.

Perhaps most compelling is how these policies protect your legacy. Rather than potentially selling cherished family properties or depleting inheritance funds, these policies create dedicated resources that keep your estate intact. And unlike traditional policies, if you never need care, your premiums aren't lost—they return to your beneficiaries, often with interest.    This is a needed discussion with perhaps multiple members of your family and as always, Keeler and Nadler is proud to provide these valuable insights not just to our clients but to everyone.  

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Have you ever noticed how the discipline required to maintain physical health mirrors the discipline needed for financial success? This fascinating connection forms the foundation of our exploration into the parallels between physical and fiscal fitness.

Andy and Mark dive deep into the striking similarities between wellness and wealth-building, revealing how mastery in one area can translate to success in the other. They share their personal fitness journeys—from Andy's nightly ice cream back in the day to Mark's not so friendly relationship with running for cardio — to provide relatable context in showing how consistent changes compound over time in both health and finances.

The conversation uncovers powerful parallels: the "dietary budget" concept showing how proportions of nutrients mirror the balance between expenses, savings, and taxes. The critical role of diversification in both exercise routines and investment portfolios plus the compound effect where small daily decisions create dramatically different outcomes over decades. 

Perhaps most compelling is their discussion of hormonal and psychological responses that drive behavior in both domains. From the ghrelin hormone affecting appetite to the dopamine rush of investment gains, understanding these mechanisms helps explain why maintaining discipline can be challenging in both fitness and finance.

At its heart, this episode asks a profound question: What's your "why" behind pursuing both health and wealth? As Andy points out, "What good is money if you're not around to enjoy it?" The most sustainable motivation comes not from vanity or comparison, but from deeper values like being present for loved ones and maintaining independence as you age.

Whether you're fiscally savvy but physically struggling, or health-conscious but financially disorganized, this episode offers practical strategies to leverage strengths in one area to overcome challenges in the other. Join us to discover how the principles that build strong bodies can also build robust portfolios.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.