In this episode of Paladin Financial Talk, Nikki Foley sits down with Featured Guest and Financial Advisor Ellie Robinson to explain investment strategies. Together, they explore Paladin Financial perspective on organizing assets by time horizon and how it may help create more sustainable retirement income.

Transitioning from saving money to spending it is one of the most challenging mindset shifts in retirement planning. This episode breaks down the most effective distribution strategies to help you systematically convert your hard-earned nest egg into a reliable, monthly paycheck. Tune in to learn how to minimize your tax burden, avoid costly IRS penalties, and ensure your money lasts as long as you do.

In this episode, Jeff and I kick off a four-part series on investment and withdrawal strategies by exploring the foundational concepts that drive long-term financial success. While this series is more technical than most, this episode starts with the basic concepts of setting meaningful goals, understanding cash flow, measuring net worth, and creating a plan for accumulating assets all work together to build lasting wealth.

A central theme of this episode is why having a clear investment philosophy matters and a written plan helps prevent emotional decision-making and keeps you focused on what matters most.

Whether you're just getting started or already thinking about retirement, this conversation will help you build a stronger framework for making confident financial decisions.

In this episode of Paladin Financial Talk, Host and Investment Advisor Representative Nikki Foley sits down with Featured Guest William Nusser—Enrolled Agent and Owner of Simmons & Simmons Public Accountants—to discuss the tax rules, planning opportunities, and long-term financial consequences behind scholarships, grants, work-study programs, and student loans. Together, they break down common misconceptions about financial aid, explain how education tax credits and dependency rules can impact families, and explore why thoughtful planning today can help students avoid starting their financial lives buried in debt.

In this episode of Paladin Financial Talk, Host and Investment Advisor Representative Nikki Foley sits down with parent and former college athlete Nicole Giefer to discuss the realities of youth sports, extracurricular activities, and the financial decisions families face along the way. Together, they explore the trade-offs between investing in children's opportunities and maintaining long-term financial goals, while sharing perspectives on scholarships, family support, and the life skills gained through activities beyond the classroom.

In this episode of Paladin Financial Talk, Host and Investment Advisor Representative Nikki Foley sits down with Featured Guest Megan Stone—Leadership Director at Gentry Academy, author, and founder of Stone Foundations of Learning—to discuss the traits that truly prepare students for life beyond the classroom and the important role parents, grandparents, coaches, teachers, and other mentoring adults play in helping young people develop life readiness. Nikki and Megan discuss how these same skills influence future earning potential, career growth, and a student’s ability to navigate major life and financial decisions.

In this episode of Paladin Financial Talk, Host and Investment Advisor Representative Nikki Foley sits down with Creighton University’s graduating senior Isabelle Adams to discuss the student perspective on college costs, financial support, and personal responsibility.

Housing affects far more than just where we live—it impacts financial stability, retirement planning, workforce growth, and the overall health of our communities. In this episode of Paladin Financial Talk, host Nikki Foley sits down with Featured Guest Mark Foster, Vice President of Legislative and Political Affairs at Housing First Minnesota. Nikki and Mark discuss what legislative conversations are happening right now in Minnesota, where progress is being made, and what changes could have the biggest impact on housing accessibility in the years ahead. If you’ve ever wondered why housing feels increasingly complex—or how housing decisions influence nearly every other financial goal—this episode provides an important big-picture perspective.

For many retirees, deciding whether to downsize, relocate, or stay put is deeply emotional, making it easy to overlook the financial realities. In this episode, guest Ben Bina breaks down how to separate your feelings from your finances when managing your housing wealth. Learn how to transform sentimental real estate choices into a clear, stress-free strategy that protects your retirement roadmap.

In this episode, mortgage expert Jay Dacey joins us to break down the complex forces currently shaping the housing market, from persistent inflation data to the volatility of the 10-year Treasury yield. We dive deep into why mortgage rates remain in the mid-6% range and what the latest inventory shifts mean for both hopeful buyers and current homeowners. Finally, Jay shares his professional outlook on where the market is headed for the remainder of 2026 and offers actionable advice on how to navigate the "new normal" of real estate financing.