After two years of exceptional market returns exceeding 24%, volatility has returned with the S&P 500 entering correction territory—down approximately 10% from recent highs. But before you hit the panic button, our panel of financial experts offers invaluable perspective that might change how you view this downturn.

Did you know the average intra-year market decline is actually 14%? That's right—in a typical year, the market drops 14% at some point, yet still finishes positive 75% of the time. What we're experiencing now isn't just normal—it's below average volatility. This "detox downturn" follows what host, Andy Keeler, calls the "cocktail party" of unsustainable returns we've enjoyed recently.

For those with balanced portfolios, there's even better news. After a challenging 2022 when both stocks and bonds declined, bonds are finally doing their job again as portfolio stabilizers. Clients with 65/35 allocations (stocks/bonds) have seen minimal impact compared to the broader market's decline. As one client aptly put it: "The thing to remember is stay calm and be patient."

Our panel shares compelling evidence for staying invested through market turbulence, including a startling case study of a client who missed a 15% market gain in just three days by trying to time their exit and re-entry during the 2020 COVID crash. Even more reassuring: if you had the terrible luck to retire in January 2000—right before two 50% market crashes—a well-diversified 60/40 portfolio would have provided $1.8 million in income while still being worth over $1.5 million today.

Remember Warren Buffett's sage advice: "For 240 years, it's been a terrible mistake to bet against America, and now is no time to start."    Join Andy, Abby, Jessica and Mark for this timely discussion on navigating market volatility with confidence and perspective.

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.

Are you curious about leveraged ETFs (exchange-traded funds) and their potential to amplify returns? Or amplify your risks?  Andy and Mark delve into the mechanics of these financial products, breaking down how they aim to provide returns that are two or three times that of indices like the S&P 500 and NASDAQ.   Sounds attractive, right?  However, we uncover the hidden risks and complexities that are typically overlooked.

Join us as we explain how leveraged ETFs operate, clarify common misconceptions around their performance, particularly the idea that gains and losses are consistently multiplied. The reality is this — volatility can lead to unexpected outcomes, making these investments riskier than many believe.

Andy and Mark also discuss investor psychology and how turbulent market conditions can affect decision-making. If you're an investor considering leapfrogging into leveraged ETFs, this episode is a vital resource.  It equips you with the knowledge to make informed choices.  So listen, gain valuable insights, and explore whether leveraging is a fitting strategy for your investing journey.    Don't forget to subscribe, share, and leave a review!

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.

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.

So let's say you and your spouse are saving for a nice vacation that's still 18 months away.  We're talking Europe!  Or, a new model luxury SUV that just came out but you want to wait a year and let that new car depreciation decrease just a bit. (smart move!)  Either way, you want to save thousands of dollars over a 12 to 18-month period but you don't want it to just sit in a traditional savings account earning a whopping .10%.  That's not 10%, it's one tenth of 1%!   There's another 'but' here too.  But you don't want to invest in something too risky either because you're 100% going to Europe or buying that SUV!  Your host, Andy Keeler, has good news.  You have options to make it happen.   He and Keeler & Nadler's Investment Committee Leader, Mark Beaver, breakdown the whole world of money markets, CD's, bonds and even U.S. Treasury bills.   As Mark put it, these are short term, 'cash reserve vehicles' where your money can work for you while still minimizing risk.   And maybe you're asking, 'Wait, why not just put this cash with my stocks and mutual funds?'   They explain that scenario too.    So, listen to this episode first, make an informed, short-term plan for your cash and then start learning that foreign language for your trip or pick the color you want in that SUV.

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.

Just how much of your nest egg are you willing to lose?   That's just one question to ask if you really want to invest in cryptocurrency.  This episode is the second of a two-part series where Andy and Keeler & Nadler's Mark Beaver do a deep dive on crypto.  The first part was essentially crypto 101:  what it is, what it isn't and its future as a form of currency.  This episode is dedicated to its relevance as an investment.  If you follow this stuff, it's true, perhaps the greatest investor of our time, Warren Buffett, has invested in digital currency.   But as always, perspective is key.  The amount of that investment for his company, Berkshire Hathaway, is about 1/10th of 1% of its total portfolio.  A drop in the Berkshire bucket.   As Andy and Mark discuss, when it comes to crypto, you have to ask yourself some serious questions to put hype and ego in one corner and facts and sound judgment in another.

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.

How's this for a couple of fun financial facts?  The United Nations recognizes exactly 180 currencies worldwide.    A lot, right?   From the Czech Koruna to the Danish Krone, the Botswana Pula to the Mexican Peso.     The currencies are backed by government entities for both credibility and value.  Now what if we told you there are currently more than 20,000 forms of cryptocurrency and the entities backing them aren't so crystal clear.   In fact, one of those, Bitcoin, was reportedly invented in 2008 by Satoshi Yakamoto but Satoshi's identity has never been confirmed to this day, and it's widely believed the name was a pseudonym for a company or organization.   With so many 'Financial Trends of 2025' stories out there putting cryptocurrency near or at the top of the list, Andy thought it would be a good idea to do some basic level-setting here:   First of all, what is crypto and how does it work?    That's exactly what he and Keeler & Nadler's Mark Beaver talk about in this episode.  And later in January, part II is coming to discuss whether crypto is a good investment.   First things first though, let's define it and talk about some serious unknowns and the volatility associated with digital currencies. 

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.

Whether it's legendary investor Warren Buffett, local billionaire Les Wexner or the low-key guy next door who just paid cash for a snazzy retirement beach condo, wealth builders of all stripes typically have three investment avenues to quote 'get there'.   They are:  owning a business, investing in stocks and investing in real estate.    Yes, there are other ways to make money and yes, you have to be disciplined to make proper investments but by and large, it's one, two and/or all three of these avenues that pave the financial way.   For episode 15 of Financial Opportunities Uncovered, we switch the chairs around as Mark Beaver swoops in as host and asks Andy about his 30 years in the business.   For both of these guys, who love football, coaching axioms can apply to financial planning too.  (It is college football playoff season after all!) Mark's high school coach said, 'Stick to the basics.'   Legendary college coach Nick Saban always preached to players, 'Do your job'.   Those words also align with one of Andy's core principles; 'Do more of what you do best.'   In essence — don't get distracted — whether it's all the other players on a field or all the other 'golden' financial opportunities that may be anything but.     

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.

Did you know 38% of college students transfer to different schools?   When they do, the cost goes up, on average, $14,000 to eventually get that degree.   (And of that 38%, 46% of them will transfer again!)  So, choosing the right school the first time saves dollars but also saves worry and anxiety for both the student and parents.   Cozy Wittman of College Inside Track is back to join Andy for another valuable conversation about finding the right fit for your future college student.  Fit, according to Cozy, has multiple layers:  academic, social and financial fit.    As she likes to say, 'college is a match to be made not a prize to be won.'   She and Andy break down those layers of 'fit' for both parents and students and discuss ways to have family conversations around all three, too.   Plus, Cozy helps young students who might not have a clue what they want to major in.   She provides tools and assets to explore to help ease the anxiety around those decisions.   After all, 80% of college students change their majors so you want to make sure your young student is able to do that with relative ease, with no uptick in costs and with the overarching goal of staying in school.

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.

According to CNBC, the average cost of auto insurance rose more than 25% this year.  In some states, that number was 40%!  Many homeowners saw double-digit premium increases this year, too.    So, what's going on?   It's not just inflation driving up costs;  it's more extreme weather patterns for homeowners and more accidents and more complex cars for drivers.   But maybe you're saying, 'Wait, we don't live in the hurricane zones of Florida or deal with wildfire threats in California'.  That's true, but the Midwest is experiencing more convective storms that deliver damaging hail and deadly tornadoes.   Whether it's your home or the car in your driveway or both, now more than ever, you need an insurance professional guiding you.  If you think about it, it's similar to investing (with a pro, we might add), in that insurance is about managing risk and managing money to set aside for a calamity.   For episode 13, Andy welcomes Matt Dowds from USI Insurance Services.   They cover the whole gamut:  home, auto, umbrella policies and how to find your comfort level in a rapidly changing industry that demands expertise, knowledge and proper guidance from a fiduciary.

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.

It's estimated there are 2200 cyberattacks every day and that's likely under-reported.   You see the headlines of hackers getting into government departments, email servers and demanding ransom payments.    But the notion breaches are coming from guys sporting hoodies, living in dark basements and hacking into the FBI is largely the stuff of Hollywood.   We now know entire nations are sponsoring this kind of illegal activity and it's also coming from normal (yet hard to trace) conference rooms all across the globe.    To help all of us steel - not steal - ourselves in this ever-changing environment, host Andy Keeler talks with President and CEO of FinGarde, Mark Linton.    So, what's the one thing, to start with, Mark suggests in keeping the bad guys out of our emails, for example?   Multi-factor authentication.     Plus, Mark and Andy discuss what to do if the bad guys break through and your company gets hacked.    Welcome to episode 12 of Financial Opportunities Uncovered!

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.