Balancing today’s lifestyle with tomorrow’s goals isn’t easy, but it’s doable. In this episode, we answer a listener's question about 401(k) contribution limits and employer matching, which opens up a broader conversation about financial flexibility and smart savings strategies.

We break down 2025 contribution limits, including catch-up provisions for those over 50, and clarify what counts toward those limits. Nathan, who works in higher ed and saves 21% of his income, offers a great example of blending tax-advantaged retirement accounts with a brokerage account for added flexibility.

This episode offers practical insights to help you build a plan that supports both your future and your life today.

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Nick Covyeau on LinkedIn
• Swell Financial Partners

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.

Major financial transitions don't have to be binary choices – testing your assumptions before making big moves can prevent costly mistakes and regrets. In this episode, Nick and Scott talk about test-driving potential life transitions to help guide your decisions. 

• Looking at buying a home? Try setting aside the difference between rent and projected homeownership costs

• Practice living on expected retirement income while still employed

• Try extended stays in potential retirement locations during different seasons

Break down big transitions into small, actionable steps, and remember that major life goals often involve both financial and lifestyle adjustments.

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Nick Covyeau on LinkedIn
• Swell Financial Partners

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial or Swell Financial Partners.

In the face of the uncertainty of life, it’s difficult knowing that many things are out of your control. Focusing on your financial well-being can often feel daunting, especially with the unpredictability of markets. In this episode, we discuss aspects of your financial journey that you can control, like…

- The importance of having a structured financial plan

- Cash flow: savings, spending, debt, and taxes

- Strategies for managing investments and understanding risk

- An emergency fund in your financial security

- A personal financial roadmap that adapts to life changes

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Nick Covyeau on LinkedIn
• Swell Financial Partners

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with us at Stone Steps Financial or Swell Financial Partners.

This week, we welcome new co-host Nick Covyeau, a Certified Financial Planner and owner of Swell Financial Partners, to discuss safe retirement spending strategies. We talk about the different approaches to withdrawal rates and the factors that can impact these decisions including retirement timing, portfolio balance, navigating market changes and planning for big purchases. We cover all this and more to give you the tools for a worry-free, fulfilling retirement!

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Nick Covyeau on LinkedIn
• Swell Financial Partners

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with me at Stone Steps Financial.

The S&P 500 was up 25% in 2024, so is that all you need for a strong financial future? Not so fast. Putting all your money in one place—even a good one—is risky.

Smart investors look beyond the U.S. to global markets, small-value stocks, and international giants like Toyota and Taiwan Semiconductor. More variety = less risk.

Join us to see just how staying broadly diversified means so much more than simply investing in the S&P 500.

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Meg Bartelt on LinkedIn 
• Flow Financial Planning

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with me at Stone Steps Financial.

If you’re tired of checking on your portfolio every day, we’ve got good news! In this episode, we go back to Investing 101 to look at the basic principles of a healthy outlook on the markets.

Join us for this quick overview of how to avoid the traps that others fall into and keep your financial plan on target!

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial  

Leave me a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with me at Stone Steps Financial.

The new year is a great time to do an annual review. In this episode, we look at five things to look at regarding your investments to help you make the most of your money. 

Join us as we look at some of the simplest ways you can help keep your financial plan on track!

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Meg Bartelt on LinkedIn 
• Flow Financial Planning

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with us at Stone Steps Financial or Flow Financial Planning. 

New year, new you, new episode! Failed New Year’s resolutions are so cliche. How can you achieve lasting results, whether you’re trying to get healthy, save more money, or something else?

Tune in to hear how you can set yourself up for success – as well as our favorite financial habits for the new year!

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Meg Bartelt on LinkedIn 
• Flow Financial Planning

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with us at Stone Steps Financial or Flow Financial Planning. 

What does your most fulfilled life look like? If you’re not sure, then this episode is for you. 

Join us as we discuss three questions to help you uncover what is most important to you!

Resources mentioned in this episode:

• Goals for Life Worksheet
• Kinder’s 3 Questions

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Meg Bartelt on LinkedIn 
• Flow Financial Planning

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with us at Stone Steps Financial or Flow Financial Planning. 

To be a home owner or not to be a home owner, that is the question – and the answer is anything but simple!

Tune in as we discuss when home ownership makes sense and when it may be better to rent. 

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Meg Bartelt on LinkedIn 
• Flow Financial Planning

Leave us a question! 

Money can be confusing—but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Are you ready to align your money with your ideal life? Connect with us at Stone Steps Financial or Flow Financial Planning.