Tag Archives: #FinancialWellbeing

A Chat About Balance Sheets with Joe Patterson, CFP®

A balance sheet can be  a useful tool in personal finance to inventory your assets and track growth over time.

In this episode, Joe Patterson, CFP®, explains the benefits of using a balance sheet and some actionable next steps for creating a personal balance sheet.

Joe shares more about:

  • A definition of a balance sheet
  • Why the balance sheet is one of our core client reports
  • How your balance sheet connects to your estate plans
  • And more


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A Chat About Cybersecurity in the Financial World with Emily Diaz, MAcc, CPA, CFP®

Protecting yourself in today’s world is more important than ever. Being proactive in developing security habits can give you a sense of comfort when it comes to your financial data.

In this episode,  Emily Diaz, MAcc, CPA, CFP®, provides some reminders about ways to protect your information and shares new resources that are available to help increase the security of your financial information.  

Emily shares more about:

  • Three important practices for protecting and securing your financial data
  • Tips for protecting your sensitive data when using the internet
  • Tricks for protecting your hard copy financial data
  • And more


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A Chat About Private Investments with Rachel Rasmussen, CFA, CDFA®

Private investments are different from publicly traded investments like stocks  and bonds. They’re limited to a certain type of investor and have a unique set of considerations. 

In this episode, Rachel Rasmussen, CFA, CDFA®, discusses the lesser known topic of private investments. She references specific examples of private investments and explains how some investors can target a wider range of opportunities than the public markets.

Rachel shares more about:

  • A definition of private investments
  • Types of private investments
  • Why private investments are a good fit for some portfolios
  • And more


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A Conversation About Rebalancing Your Portfolio with Ryan English, CFA, CPA, CFP®, and Nicholas Roth, CFP®

Balance is a tricky thing. Something that is balanced today may not maintain its balance; take investment portfolios, for example. When Foster & Motley begins working with a client, they balance their portfolio based on several targets, but over time rebalancing is necessary to maintain those targets.

In this episode, Ryan English, CFA, CPA, CFP®, and Nicholas Roth, CFP® explain their hands-on approach to rebalancing, and the importance of rebalancing across a household of accounts rather than individual accounts.

Ryan and Nick also talk about:

  • Two types of rebalances
  • The importance of rebalancing accounts
  • Why you don’t want one asset class to grow too big
  • And more


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A Chat About Social Security with Luke Hail, MBA, CFP®

If you understand the way Social Security works and how it’s funded, you will understand why the probability of it running out of money is extremely low. 

In this episode, Luke Hail, MBA, CFP®, discusses the Social Security system’s benefits and some key points to remember before taking Social Security.

Luke shares more about:

  • When Social Security was established and why
  • Retirement, disability, and survivor benefits provided by the Social Security Administration
  • What factors impact when you should begin taking retirement benefits through Social Security
  • And more

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A Chat About Risk Tolerance with Ryan English CFA, CPA, CFP®

Many people’s instinct is to sell when the market takes a hit, but making those decisions based on emotion seldom has the best outcome. 

In this episode, Ryan English, MBA, CFA, CPA, CFP®, shares his insight on the importance of understanding and the questionnaire Foster & Motley uses to help determine their client’s risk tolerance. He explains how the risk tolerance questionnaire informs decisions about the client’s portfolio and investment policy statement. 

Ryan shares more about:

  • What a risk tolerance questionnaire is
  • The importance of understanding your risk tolerance
  • How age plays a role in your risk tolerance
  • And more


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A Conversation About Estate Tax with Tony Luckhardt, MBA, CFP®, CRPC®, and Emily Diaz, CPA, CFP®

Estate tax doesn’t necessarily affect everyone, but for those it does impact, it can be a big deal. Also, the laws around it have changed several times, and are expected to again soon. 

In this episode, Tony Luckhardt, MBA, CFP®, CRPC®, and Emily Diaz, CPA, CFP®, share about the history of estate taxes. They also provide insight on how people can plan ahead for gifting to loved ones which can help to minimize your estate tax bill.

Tony and Emily share more about:

  • What the difference is between an estate tax and an estate plan
  • Who needs to be concerned about estate taxes and why
  • How Foster & Motley can help you
  • And much more


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A Chat About Required Minimum Distributions with Nick Roth, CFP®

Required minimum distribution rules impact almost everyone at some point in their lives.  Do you know what to expect so you can avoid the high cost that comes with missing an RMD?

In this episode, Nick Roth, CFP®, discusses everything you need to know about required minimum distribution rules and how to plan ahead with confidence. 

Nick shares more about:

  • Recent changes to the rules surrounding RMDs
  • The impact of missing an RMD
  • What the rules are for taking an RMD from an inherited IRA
  • And more!


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A Chat About Investment Sectors with Thom Guidi, CFA

To truly understand the stock market, it is important to understand how stocks are divided into different sectors. Having a grasp on these sectors can benefit you in the long run. 

In this episode, Thom Guidi, CFA, discusses how to identify which stocks belong within each of the 11 stock market sectors and why it matters.  Also, learn how Foster & Motley makes it easy for their clients to see what sectors their stock investments are in.

Thom shares more about:

  • The 11 stock market sectors (according to GICS) 
  • Investors managing their own money
  • The benefits of using sectors in your investment process
  • And more!


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A Conversation About 2021 and What’s Ahead with Zach Horn, MBA, CFP®, CMFC® and Nick Roth, CFP®

It’s 2022 and everyone is still dealing with the impact of COVID-19 along with many other changes that affect your financial life. But, at Foster & Motley, they continue to adapt in new ways to help their clients keep moving forward. 

In this episode, Zach Horn, MBA, CFP®, CMFC®, and Nick Roth, CFP® discuss the continued growth within the company and with client relationships. They also touch on some exciting things that are ahead for 2022.

Nick and Zach share more about:

  • How they have adapted  to provide ongoing service to their clients
  • The major themes to come out of the year 2021
  • What to look forward to in 2022
  • And more

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In this episode, Zach and Nick share about several ratings and rankings that Foster & Motley received in 2021, see below for more information on each:


Ratings and rankings from publications and rating services are not a guarantee of future investment results and are not intended as a testimonial or endorsement of Foster & Motley as an investment advisory firm. Foster & Motley did not pay a fee for any of the ratings or rankings mentioned. The criteria and formulas used by publications to rate and rank an investment adviser are generally based on data provided by the advisory firm, and not all investment advisers provide data. Each publication provides details regarding the criteria they use. Please refer to FosterandMotley.com for criteria specific to each rating or ranking.