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.