Financial Opportunities Uncovered: A Keeler & Nadler Family Wealth Podcast

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.

 While financial planners tend to be prudent and make evidence-based decisions on the wealth management side, we'll take $50 to Vegas that you didn't know this one;  the consumption of straw hats was a marker for inflation in the early 1900's.    Today, those markers include everything from computers and cars to clothes and cell phones.  Inflation has been a constant in just about every business and economic story since the pandemic.   After all, prices have gone up on most things.   There were fears wages wouldn't keep up with inflation.  Largely, they have.  The U.S. economy has also defied fears of a recession for several years now and rising inflation has been a big part of that whole discussion.    So, Keeler and Nadler's Andy Keeler thought it would be a good time for some 'Inflation 101'.    This discussion, along with Keeler and Nadler's Mark Beaver, requires several things:  historical context, defining things like GDP and CPI, some myth-busting and as with many factors related to wealth management — nuance and expertise.  It's all right here in Episode 11 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.

'I'm going to see my estate attorney later today'  would likely come across as a very bougie thing to say to your next-door neighbor as you cross paths mowing the yard on a Saturday.   Yes, 'estate planning' has an air to it of gated mansions, manicured lawns, and brick-paved driveways but the truth is, if you own any home and have some savings, you have an estate.    And if you have others living in said home - children, family members and/or a spouse - you want to protect your assets and those you love, right?   That's what this episode is all about.  Your host, Andy Keeler, welcomes estate planning expert and attorney, Bill Root.   Andy and Bill dive into subjects like wills and trusts and specifically, what they do and don't do.  It often comes as a surprise that assets passing under a will guarantee the delays and expense associated with probate.  Plus, there are legal considerations surrounding your health care to think about.   Additionally, if you have minor children and have established guardianship with a loving family member, that's great.  But what if Uncle Larry isn't so great with a checkbook?   You can (and should) make provisions for that as well.   No matter how big or small, your 'estate' is YOURS and certainly worth protecting. 

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 MIT Age Lab says we have a 'longevity paradox' which actually derives from a good thing.  What has humankind tried to achieve since the beginning of time on earth?  Extend our time on earth.   Now that we're living longer, research shows we don't really know what to do with all the extra time.   MIT has created a model of 4 phases of life divided into 8000 hours per phase - Learning, Growing, Maturing and Retirement.  Your host, Andy Keeler, talks with John Diehl of Hartford Funds about each of these phases and what all of us can learn from each one.   Since millions of people are living longer, the way we live, the services we want, the products we buy and the infrastructure we need is changing in real time.   That means it's changing for you, too, no matter how old you are.  And as you'll hear from John, even if you already hit the first retirement phase and your script still isn't written, that's okay.   You likely have time to keep writing 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.

Sociologists tell us our cars depict our personalities, our likes and even our values.  Well, a premiere college advisory expert wants you to think about the type of car you are when thinking about college for you or your kids.    It makes sense if you think about it; do you want a university with some pizazz, a little glitz and glamour?   Or is that college degree about getting from point A to point B as reliably and inexpensively as possible?  Starting to make sense, right?   Andy Keeler talks with Cozy Wittman of College Inside Track who was recently featured in Barron's Magazine and was also a featured speaker at Barron's Team Summit in Las Vegas.   Cozy has helped thousands of families through the maze of schools, standardized tests, forms and deadlines.    Are you asking the right questions:  is this school both an academic fit and social fit?   Is it a good value for my dollar?    80% of students change their major so what's the b-plan if my kid does too?   Plus, there are big changes to FAFSA and financial aid that every parent and college student should know.   We break it all down in episode 8 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.

Our podcast host and founder of Keeler and Nadler, Andy Keeler, comes clean in the episode too.   As you'll find out and come to know, Andy collects and loves old cars.  Well, a recent negotiation to sell one didn't go so well.   Enter - Kwame Christian.  Actually, Andy's example is just one of many discussed in this episode.  Kwame hosts the #1 negotiation podcast and excitedly shares his tried, true and tested methods.  He has three pillars of negotiating plus shares his experiences on whether you should be assertive or aggressive in a negotiation.   He and Andy discuss how not to negotiate against yourself whether you're .. ahem .. selling an old car or going for that big raise with your boss.    You may be surprised to hear Kwame's take on who's a better negotiator - the extrovert or the introvert?   Plus, Andy isn't the only one who comes clean here; Kwame admits these are skills he had to learn over time and you can too!   Welcome to episode 7 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.