Tag: Retirement

How Much Longer Will We Talk About Inflation? With David J. Nienaber, MBA, CPA, CFP®

How Much Longer Will We Talk About Inflation? With David J. Nienaber, MBA, CPA, CFP®

While many of us associate inflation with the increased costs of basic necessities such as gas, groceries, or haircuts, its impact is much broader than that. Inflation is a complex topic that affects every aspect of our financial lives – from day-to-day expenses to long-term goals such as homeownership and retirement planning.

Join us in this episode as David J. Neinaber, MBA, CPA, CFP®, provides an overview to help tackle the puzzle that is inflation. Despite remaining relatively low in the past forty years, recent trends show that inflation is on the rise – and this can have a significant impact on your monthly expenses and the performance of your investments. 

Topics David shares more about:

  • Understanding the impact of inflation 
  • Strategies to safeguard your investments against inflation
  • Simple explanations and examples for understanding inflation
  • And more!

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About Dave:

As a 17-year-old junior at Covington Catholic High School, Dave Nienaber unabashedly told a class speaker that he would eventually become a CERTIFIED FINANCIAL PLANNER™, surprising a number of his classmates, but not those who knew him best. David has never refrained from engaging fully and with purpose. Whether it was as the portfolio manager for the University of Dayton’s student-run portfolio during his time as an undergraduate, teaching his children to play golf or even sticking by his beloved Green Bay Packers, he has always been energized by commitments to meaningful pursuits.

Upon graduating from the University of Dayton in 2004 with an MBA and a Bachelor of Science degree magna cum laude in Accounting and Finance, Dave started his career with Deloitte and soon earned his CPA. It was during his time working with Deloitte’s Investment Advisors team, while spending a significant amount of time working with Procter & Gamble employees and retirees, that he discovered his real passion. He enjoyed providing the many services that come with handling complex asset and retirement situations, and he had the opportunity to gain experience with an array of financial situations.

When his previous company was sold, Dave had the opportunity to step back and look at the entire financial landscape in Cincinnati and determine where he might fit best. Foster & Motley immediately jumped to the front of the line. He was drawn to their client-centric approach and low ego ethos. He also saw that with the employee-owned model of the firm, there was the chance to be invested in the company in even greater ways than just his day-to-day work. It was a natural fit.

Dave has been with Foster & Motley since 2010 serving as a Financial Planner and has been a shareholder since 2015. Dave’s client-focused mentality and team-oriented attitude led him to his role as Head of the Financial Planning team. Dave helps keep the team on top of the latest financial planning issues, so we can best serve clients.  He always thought that he would enjoy giving people advice in his role as a planner and adviser, but over the years, he has honed his listening and question-asking skills. Now, he counts helping clients find the path that is right for them as the best part of his job.

It is no surprise that Dave’s family life is also full of deep purpose. Dave and his wife Moreen most enjoy taking their five children, Ella, Luke, Nicholas, Anna, and Caroline up to northern Michigan to sail, fish, and spend quality time together. They reside in Northern Kentucky, near where David grew up, and as he looks to the future, he knows his roots and commitments will continue to deepen.

I Recently Inherited Money, What Do I Do Next? With Zach Binzer, CFP®, and Ryan English, MBA, CFA, CPA, CFP®

I Recently Inherited Money, What Do I Do Next? With Zach Binzer, CFP®, and Ryan English, MBA, CFA, CPA, CFP®

Inheriting money can be a significant event in your life, and it’s essential to know what to do next. Navigating the emotions associated with the loss can be hard enough, let alone dealing with financial decisions that will impact your future.  

In this episode, Zach Binzer, CFP®, and Ryan English, MBA, CFA, CPA, CFP®, discuss the steps needed to navigate the inheritance process. From understanding the estate planning documents to how to divide up assets, this episode is here to help you when life takes over. 

Zach and Ryan share more about:

  • The importance of understanding the assets making up your loved one’s estate
  • Breaking down the complexities of an estate before decisions are made
  • Distribution considerations like taxes and timing
  • Why keeping your beneficiary designations up to date is important
  • And more

Article: What Do I Do With Inheritance Money?

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What Does The Secure Act 2.0 Mean For Me? With Emily Diaz, MAcc, CPA, CFP® and Zach Binzer, CFP®

What Does The Secure Act 2.0 Mean For Me? With Emily Diaz, MAcc, CPA, CFP® and Zach Binzer, CFP®

While we were all celebrating the holidays, Congress was busy making new tax laws and gifting us with approximately 100 new provisions to the Secure Act. Can’t you feel the legislative love? 

In this episode, Emily Diaz, MAcc, CPA, CFP®, and Zach Binzer, CFP®, discuss the myriad of changes to the Secure Act and how they could be significant to you. 

Emily and Zach share more about:

  • Secure 1.0 vs. Secure 2.0
  • Changes to RMD ages
  • Changes to contribution limits on retirement accounts
  • Changes to Roth accounts
  • And more

Connect With Emily Diaz and Zach Binzer:

A Conversation About Financial Independence Analysis with Thom Guidi, CFA, and Luke Hail, MBA, CFP®

A Conversation About Financial Independence Analysis with Thom Guidi, CFA, and Luke Hail, MBA, CFP®

True financial independence is when you’re working because you want to and not because you have to. Understanding what you have and what your goals are is the first step to becoming financially independent. 

In this episode, Thom Guidi, CFA, and Luke Hail, MBA, CFP®, discuss what it means to be financially independent and provide you with four actionable steps to help you move closer to your goal of financial independence.

Thom and Luke share more about:

  • What makes you financially independent
  • How to know when you are financially independent
  • How to maintain your financial independence
  • And more

Connect With Thom Guidi and Luke Hail

A Conversation About Buying or Renting A Second Home with Joe Patterson, CFP® and Rachel Rasmussen, MBA, CFA, CDFA®

A Conversation About Buying or Renting A Second Home with Joe Patterson, CFP® and Rachel Rasmussen, MBA, CFA, CDFA®

Maybe it’s your goal to own a lake house or a second home. But have you thought about what buying versus renting might look like for your scenario?

In this episode, Joe Patterson, CFP® and Rachel Rasmussen, MBA, CFA, CDFA® discuss the pros and cons of owning versus renting and what might make sense for your unique situation. 

Joe and Rachel share more about:

  • What to consider when owning a second home
  • Considerations for renting a second property
  • How research can help you determine if you should buy or rent a home
  • And more

Connect With Joe Patterson and Rachel Rasmussen:

A Chat About Health Savings Accounts with Zach Binzer, CFP®

A Chat About Health Savings Accounts with Zach Binzer, CFP®

Your health savings account may be more important and more flexible than you realize. While it was created to help people set aside funds for health care costs, the value doesn’t stop there. 

In this episode, Zach Binzer, CFP®, explains how you can maximize the value of your HSA and why it’s reasonable for some to consider it a retirement asset.

Zach also talks about:

  • The origin of HSAs
  • The triple tax benefit of contributing to an HSA
  • And more

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A Chat About a Retirement Hobby of Beekeeping with Dave Foster and Rachel Rasmussen, CFA, CDFA®

A Chat About a Retirement Hobby of Beekeeping with Dave Foster and Rachel Rasmussen, CFA, CDFA®

Finding a hobby you enjoy can make retirement that much sweeter. 

In this episode, Rachel Rasmussen, CFA, CDFA®, and Dave Foster discuss his retirement hobby of beekeeping. Dave shares about how we got into it, how he has managed to grow his operation and why he enjoys it so much. 

Rachel and David also chat about:

  • When he started beekeeping and why
  • Maintenance of the hives
  • What benefits he gets out of the bees
  • And more

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

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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