Financial Opportunities Uncovered: A Keeler & Nadler Family Wealth Podcast

What’s your number? We put real mile markers on a lifelong question and show how to translate worry into workable. Joining host, Andy Keeler, is Keeler and Nadler's  Jake Martin, to map your savings targets by decade.  Plus, the habits that actually stick, and the levers you can pull when life gets messy.

We start with the 20s, where building a positive net worth, automating small contributions, and shaping good credit can matter more than hitting big balances. In your 30s, complexity ramps up—homes, partners, kids—and so does the risk of lifestyle inflation.   In the 40s, the “messy middle,” we target three times salary by 45 and talk candidly about stress, competing obligations, and how compounding begins to widen the gap between consistent savers and everyone else.

Your 50s bring leverage. We outline salary targets, IRS catch‑up contributions, and why asset allocation now moves the needle more than new deposits. Then we shift to the 60s, where withdrawal strategy matters. We talk about the 4% rule and what it implies for how much you can sustainably withdraw, as well as how to coordinate Social Security timing to help the portfolio last longer.  The takeaway is clear: if you don’t save it, you’ll spend it, and the earlier you automate, the easier the journey.  

From this episode, walk away with decade-by-decade benchmarks, practical tactics and a clear plan to adjust if you’re off pace. Subscribe and share this episode with a friend who may need a nudge too!   They'll thank you for it.

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.

Think your returns tell the whole story? We challenge that belief by walking through the real engine of smarter investing: the relationship between risk, return, and correlation—and how those forces shape a portfolio you can actually live with.  Andy, and Mark Beaver, the head of our investment team, revisit the elegant logic behind modern portfolio theory, map assets onto the efficient frontier, and show where many investors unknowingly take more risk than they need to.

We keep the math human. Risk isn’t just “losing money”—it’s volatility, the swings that test your resolve and erode compounding. We unpack geometric return, standard deviation, and beta in plain English, then put them to work comparing U.S. equities, international stocks, and bonds in the real world. You’ll also hear why diversification is more than owning many funds, why bonds don’t always save the day, and how a portfolio can be tuned to sit on the frontier rather than drift below it.

We also spotlight the Sharpe ratio—subtracting the risk‑free rate and scaling by volatility—to judge whether a “great” 10% decade actually earned its keep. Expect practical examples and historical context going back to tea-and-spice trading days. 

If this conversation sparks an audit of your own allocation, tap follow, and share it with a friend who tracks the S&P like a heartbeat.   Plus, leave a review with the one question you want us to tackle next.

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.

Medicare remains a frustrating enigma for millions of Americans despite being in existence for over 60 years. Even highly educated professionals find themselves bewildered when approaching their Medicare enrollment, often making costly mistakes that compound over time. But what if understanding Medicare could become a financial opportunity rather than a bureaucratic headache?

In this illuminating episode, we dive deep into the Medicare maze with expert guidance from Kerry Quick of Seniority Benefits Group and our own Director of Tax, Abby Rose, CPA and CFP®. Together, they demystify the fundamental components of this critical healthcare program and reveal how seemingly unrelated financial decisions can dramatically impact what you pay for Medicare coverage.

The conversation breaks down Medicare's structure—from the hospital coverage of Part A to the outpatient services of Part B, and the prescription coverage of Part D. You'll discover critical differences between Medicare Supplements and Medicare Advantage plans and learn why the timing of your enrollment matters more than you might think. Most importantly, we explore the often-overlooked connection between your tax planning and Medicare premiums through IRMAA (Income-Related Monthly Adjustment Amount)—a Medicare premium surcharge that can add up to $628 per month per person for higher-income beneficiaries.

Whether you're approaching Medicare eligibility, helping parents navigate their healthcare options, or planning for your own retirement decades from now, this episode provides the clear, actionable guidance you need to make Medicare work for your financial plan rather than against it. Subscribe now and join Andy, Abby and Kerry for this essential conversation about one of retirement's most misunderstood challenges.

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.

Discover the hidden savings vehicles that could transform your financial future beyond simply maxing out your 401(k). Keeler and Nadler's Jake Martin joins Andy to unpack powerful but often overlooked strategies that could save you thousands in taxes while accelerating your wealth-building journey.

The conversation begins with Health Savings Accounts (HSAs), which Jake describes as having a unique "triple tax advantage".   Contributions are tax-deductible, growth is tax-deferred, and withdrawals for qualified medical expenses are completely tax-free. While many use HSAs for current medical expenses, the optimal strategy is often paying those costs out-of-pocket while allowing HSA funds to grow tax-free for future healthcare needs.

Andy and Jake then explore Flexible Spending Accounts and Dependent Care Accounts, which operate on a "use it or lose it" basis but can generate significant tax savings for predictable expenses. For a family in the 25% tax bracket maxing out their Dependent Care Account at $5,000, the annual tax savings alone amount to $1,250 - essentially free money for expenses they would incur regardless.

The discussion shifts to Employee Stock Purchase Plans, which allow employees to buy company stock at discounts of 5-15%. While these plans offer essentially guaranteed returns equal to the discount percentage, Jake cautions about concentration risk and recommends diversifying after meeting holding requirements.

For listeners frustrated by Roth IRA income limits, Andy and Jake break down backdoor Roth strategies, including the "mega backdoor Roth" that enables much larger Roth conversions through after-tax 401(k) contributions. 

Ready to uncover savings opportunities you might be missing? This episode provides actionable strategies to optimize your financial plan, potentially saving thousands in taxes annually while accelerating your path to financial independence. Subscribe now and share with friends who could benefit from these insights

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.

Financial planning is a complex system of interconnected gears—turn one, and you turn several others. While many people take pride in managing their investments, they often miss this crucial perspective, leading to costly oversights and missed opportunities.

In this eye-opening episode, we explore why even the most sophisticated DIY investors—doctors, lawyers, CPAs, and retired investment bankers—eventually recognize the value of professional financial guidance. Mark Beaver, CFP®, joins Andy us to share real-world examples of how seemingly small financial decisions can have outsized consequences.

We dive deep into the tax implications of investment decisions, revealing how active trading in taxable accounts can trigger significantly higher tax rates and even Medicare premium surcharges that cost thousands annually. One client was unknowingly paying 37% on investment gains when they could have paid just 15% with proper planning. 

Beyond taxes, we examine common blind spots in estate planning (like unfunded trusts), retirement income sequencing, and the challenge of staying current on constantly evolving financial strategies. As Mark explains, "It's not just the decisions you make, but the opportunities you miss because you didn't know they existed."

The most compelling reason sophisticated clients delegate their financial planning to Keeler and Nadler? It's rarely about capability but more about priorities. As one client put it: he wanted his wife cared for in his absence, valued our holistic perspective, and recognized he simply couldn't keep up with the evolving financial landscape across multiple disciplines. By delegating these responsibilities, he gained something far more valuable than potential cost savings — peace of mind and time to enjoy his retirement.

Have questions about your financial plan or wondering if you've overlooked important opportunities? Connect with us on LinkedIn to continue the conversation.

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.

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.