The Wiser Financial Advisor Podcast with Josh Nelson
Get Real... Get Honest... Get Clear!... The Wiser Financial Advisor podcast gives you real, honest and clear advice every Tuesday.
3 Principles About Money For Kids (#105)
Teach these principles to help ensure that your younger or older kids are set up to live their adult life in solid financial security.
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Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https//www.keystonefinancial.com
Podcast Editor: Tim Leaman/[email protected]
Roth vs. Traditional IRAs
Our topic for this episode is Roth versus Traditional IRAs, and which account makes better sense for you to use.
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Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https//www.keystonefinancial.com
Podcast Editor: Tim Leaman/[email protected]
Egg In One Basket
Concentration risk means you've got too much of one thing. I'm sure you're looking for a black and white answer on what is too much. And unfortunately, there is no exact number, but there are clues. It's the principle of don't put all your eggs in one basket.
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Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https//www.keystonefinancial.com
Podcast Editor: Tim Leaman/[email protected]
5 Financial Decisions to make for retirement
This podcast covers the major financial decisions leading into retirement focusing on a core checklist of choices.
Determining the Timing and Affordability of RetirementOptimizing Social Security StrategyEstablishing a Tax-Efficient Withdrawal Order,How to bridge the gap between regular private insurance and Medicare. Working them all togetherInstagram: https://www.instagram.com/keystonefin/
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Contact Josh Nelson: https://www.keystonefinancial.com
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Podcast Editor: Tim Leaman/info.p...
Restricted Stock Units
Restricted Stock Units (RSUs) can be a significant part of compensation, particularly for employees in the technology industry, but they also come with important tax and investment considerations. In this episode of The Wiser Financial Advisor Show, Josh Nelson and Jen Walenter discuss how RSUs work, what happens when they vest, how they are taxed, and some of the decisions employees face when their company stock becomes available.
Josh and Jen also discuss the risks of allowing company stock to become too large a portion of your portfolio, the emotional connection employees can have to their company...
Portfolio Sanity Check
Today we thought it would be interesting to do a portfolio sanity check on all the turbulence and craziness of the last few years. Some of what we talk about is going to make you question or maybe reaffirm what you're already doing, which could result in some changes in how you'll manage your portfolio. We want you to really understand what’s involved in those decisions and what the outcomes end up being.
A transcript of this episode is posted and episode chapters have been created for your convenience.
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The Three Important Factors to Consider Before Applying for Social Security (#25)
When to apply for Social Security is a very personal decision. Everyone has different reasons for choosing when they collect their benefits so it's a very personal decision. In any case there are three basic but important factors to consider before applying. In this episode host Josh Nelson covers these factors as well as other facts about being on Social Security you should know. Thanks for listening!
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Health Insurance Coverage with Danielle Roberts #77
Recently host Josh Nelson had the opportunity to visit with Danielle Roberts, a founding partner at Boomer Benefits, which is a national agency specializing in Medicare-related insurance products since 2005. She is a nationally recognized expert in the Medicare and health insurance industry and the author of the bestselling book 10 Costly Medicare Mistakes You Can't afford to Make which is on Amazon and Barnes and Noble.
Their conversation focuses on what challenges a lot of people face as they’re getting older and transitioning into retirement or early retirement, figuring out what to do f...
10 Questions to Ask About Retirement Relocation #112
In this encore episode, we revisit an important trend we’ve been seeing: more people taking a thoughtful look at what life might look like once they step away from work. Join us as we walk through the Top 10 Questions to Ask When Relocating in Retirement—insights that are just as valuable today as when this episode first aired.
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Podcast Editor: Tim Leaman/info.p...
The Wiser Financial Advisor: QCD's For Retirees #142
In this episode, Josh Nelson talks about Qualified Charitable Distribution which is a direct transfer of funds from your IRA to a qualified charity. Unlike regular withdrawals from your IRA, which are almost always taxable, QCDs allow you to donate money tax free. To help understand he answers 2 important questions.
1) Can I take an itemized charitable deduction for my QCD on my income taxes?
2) How do I set this up?
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3 Simple Yet Incredibly Powerful Steps for Achieving Financial Piece of Mind (#22)
In this episode host Josh Nelson is going to cover three "baby steps" to financial freedom. But these "baby steps" are incredibly powerful steps that will help anyone reduce debt and obtain an income that pays for the life that they want for the rest of their life.
Step #1: Start paying off debt. Even when people think they can't afford to do this step, Josh explains how it's possible.
Step 2: Recap of the Debt Snowball. This step is about achieving financial peace of mind by applying the Debt Snowball method. Josh explains how. (Debt Snowball episode link b...
2026 Halftime Report #200
In this episode Josh and jeremy take a look at the current status of the economic economy, help you to know what steps with your money and investments to take for the near future.
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Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https//www.keystonefinancial.com
Podcast Editor: Tim Leaman/[email protected]
"Phased Retirement" #140
In this episode host, Josh Nelson, explores the concept of phased retirement, a flexible approach to transitioning from full-time work to retirement. Learn how it benefits both employees and employers, with insights on planning, financial considerations, and work-life balance. Whether you’re nearing retirement or supporting employees through the process, this episode provides valuable strategies for a smoother transition.
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Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https//www.keystonefinancial.com
Podcast Editor: Tim Leaman/[email protected]...
How To Plan For Retirement When Social Security is Uncertain #152
Social Security faces big challenges, with projections showing benefits may be cut by 23% as early as 2033. In this episode, Josh Nelson, CFP®, breaks down what “insolvency” really means, explores possible reforms, and shares strategies to build a retirement income plan that doesn’t depend on Congress. If you’re nearing retirement—or just want peace of mind about your future—you won’t want to miss this conversation.
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Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https//www.keystonefinancial.com
Podcast E...
A Caregiver's Journey #120
In this episode, hosts Josh Nelson and Jeremy Busch dive deep into the important topic of caregiving. They explore both the financial and practical aspects of supporting those who require caregiving assistance—whether that’s for a loved one now or for yourself in the future. This is a topic that touches everyone at some point in life, making it both enlightening and essential to understand. Tune in to learn valuable insights and gain a fresh perspective on how to best navigate caregiving responsibilities. Enjoy, and God bless!
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Don't Act Your Income. How a normal person with an average income can actually accumulate wealth. (#16)
This episode of The Wiser Financial Advisor with host Josh Nelson is about becoming the millionaire next door. Josh explains what the millionaire next door really is—and why trying to convince others that you’re wealthy is how to go into debt instead. So how does a normal person with an average income actually go about accumulating wealth? Listen in and you'll hear why Josh tells you this: "It all comes down to the same principles regardless of the level of income.”
This podcast offers the key that can open the doors to financial independence and stabili...
What is ESG Investing and How Does it Work? (#103)
Why does ESG investing matter, and how does it work?
Consumer behavior has changed and has become more focused on sustainability. Like recycling, minimizing waste and making greener choices. Which influences decisions around finances and investment choices.
In this episode host Josh Nelson, founder and CEO of Keystone Financial Services in Loveland, Colorado, gives clear advice to investors and potential investors who want to use their money to finance companies committed to these practices. ESG investing, also known as sustainable investing, has seen exponential growth as i...
The Two Big Emotions Which Drive Personal Finance Decisions (#44)
In this episode host Josh Nelson talks about FOMO. The Fear Of Missing Out. We're sure you're familiar. It's a big thing in most everyone's personal and finances lives. Social media is a big driver of FOMO. We see stuff on social media that makes it look like everybody else is having fun and we’re not. This drives specific courses of actions in our life because in general people don't want to be missing out on the newest, biggest and bestest thing. You know, we don’t want to lose out on an opportunity when it seems like everyb...
Which type of investing will ultimately result in greater success? (#18)
Beginning with a tale from Aesop's Fables, how the tortoise beat the hare in their race has a message to those interested in the world of investing. The question is which type of investing will ultimately result in greater success? Getting there fast, or slow and steady? In this episode of The Wiser Financial Advisor host Josh Nelson talks about what a stock really is. He talks about problems that come up when investors get into "bubble territory". He talks about how it is always inevitable that eventually stocks decrease in value and how you can be prepared for i...
Estate Planning Can Be Simple
Estate planning is important because it gives you control over what happens with your assets, big or small, your family, your healthcare decisions. Many people assume it's for the wealthy, virtually anyone who owns any amount of property or has savings, has children, needs an estate plan. That leads into some of the key reasons why estate planning really matters. Wiser Financial Associates Jen and Michael break this down for you, piece by piece. One of the biggest is protecting your loved ones. They share that while Estate planning is a big deal, they also relate how simple...
Speaking Your Language #118
Financial advisors need to be good communicators. We need to speak a language that makes sense for people. We've got people that are senior level chip design engineers at big companies and people that are plumbers and self-employed and everything in between. Our job is to communicate with you and help you make some great choices about finances. A coach is a person who helps someone see what they may not be seeing to help them be their best. We are financial coaches here to help you know exactly what you need to know when it comes to...
Beware The Free Steak Dinner: The Truth About Financial Seminars
In this episode Josh talks about something that shows up in mailboxes all across America every week. Free retirement seminars, free educational workshops, free financial planning courses, free lunches, free steak dinners. And while these events are often marketed as educational opportunities, many of them have a very specific purpose to sell a financial product. Are they legit? Are they useful? Josh breaks it all down for you.
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Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https...
Baby Steps to Financial Freedom Pt. 2 (#23)
In this episode host Josh Nelson covers the second set of "baby steps" to financial freedom. But these "baby steps" are incredibly powerful steps that will help anyone reduce debt and obtain an income that pays for the life that they want for the rest of their life.
Step #4: Invest a percentage of your household income toward retirement.
Step #5: Saving for your children's college.
Step #6 Pay off your house mortgage early
(Debt Snowball episode link below) https://www.buzzsprout.com/1183136/episodes/5609005
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The #1 Financial Question You Will Ultimately Ask: Where To Invest Your Money First For Retirement? (#67)
There are a lot of different kinds of retirement accounts and many people have questions about which is going to be the best one for them as they approach retirement age.
There's a lot to dig into in this episode. Employer benefit packages, eligibility, age, taxes, etc. Sooner or later, where to invest your money first for retirement becomes a question on the mind of everyone. To navigate successfully through the variety of retirement accounts for consideration means having good information and a good plan. Host Josh Nelson helps unpack it all for you.
5 Best Ways To Help Protect Seniors
Today's topic is very important about seniors and the need to protect them from financial abuse. Seniors are targets for scammers of all kinds and too often there's no one able to help them determine whether they are being scammed or not. In this episode, Josh Nelson, CFP®, gives us some thoughtful and useful ways to help protect seniors and keep them safe from harm.
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Contact Josh Nelson: https://www.keystonefinancial.com
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Podcast Ed...
Overseeing The Equity Awards Offered By Your Company #115
In this episode, Josh Nelson CFP® and Jeremy Busch CFP® help you with understanding the Equity awards you may be getting with your company and how you can use them to build financial security. They are a significant way for companies to incentivize their employees. In fact, many clients with Keystone Financial have made more money in their careers from the equity awards offered by their company than they received in compensation from their salary and bonuses. So, it can be a substantial wealth creation tool for you. Plus, they explain several of the types of Equ...
Don't Leave Money On The Table: Evaluate Your Health Savings Accounts(#68)
In this episode, host Josh Nelson gets into the details about a variety health savings accounts and how you could use these to your advantage when it comes to taxes and as it pertains to your potential or current medical needs. Bottom line, the knowledge you can gain from this podcast will help make sure that you don't end up leaving money on the table.
Contact Josh Nelson with your money questions, topic suggestions and/or comments about the podcast. https://keystonefinancial.com
Archived episodes
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Unlocking the Value of High-Quality Financial Advice: With guest Maria Quinn from Vanguard#88
In this episode, Josh Nelson, CFP®, has an insightful conversation with Maria Quinn, a senior advice strategist at Vanguard's Investment Advisory Research Center. Vanguard, one of the largest and most respected financial institutions globally, has conducted extensive studies on the value of high-quality financial advice.
The discussion focused on Vanguard's advisor study, which has quantified the benefits of high-quality financial advice. Emphasizing that not all advice is created equal, the conversation covered wealth management, investments, behavioral coaching, and thought leadership in the financial advisory industry. At Keystone Financial Services, as fiduciaries and Certified Financial Planners, we believe thi...
Social media Impulse and Your Money #200
This episode is going to hit on the impulsive buying urges of social media and how it impacts your spending, savings and financial future.
Investment advisory services offered through Keystone Financial Services a registered investment adviser. The views expressed represent the opinion of Keystone Financial Services. Information does not constitute investment, tax, or legal advice.
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Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https//www.keystonefinancial.com
Podcast Editor: Tim Leaman/i...
Working with Trump Accounts for a Child’s Retirement #199
Trump accounts is what we're talking about today. We've had quite a few questions coming in on what a Trump account is, how to use it, how to not use it, and what exactly are the perks, the pros and the cons about it.
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Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https//www.keystonefinancial.com
Podcast Editor: Tim Leaman/[email protected]
Invest or Payoff Mortgage Early? (#48)
In this episode, host Josh Nelson tackles a question he hears all the time: "Should I pay off my mortgage early so I can invest the monthly payment instead?"
Josh is a strong advocate for paying off debt—but when it comes to your mortgage, the answer isn’t so simple. There are key factors and trade-offs that need careful consideration. Tune in as Josh breaks down the most important things to think about before making this major financial decision.
Contact:
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Helping You On Your Road To Financial Security (#1)
On this pilot episode host Josh Nelson lays the foundation for the podcast with a description of his experience in the financial business. He shares his philosophy about financial management and planning. Plus, Josh explains how he came to understand what really matters to people in their life and how to help them on the road to financial security.
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Contact Josh Nelson: https://www.keystonefinancial.com
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Podcast Editor: Tim Leaman/info.p...
Working With Turbulence in the Markets #198
In this episode, Josh Nelson and Jeremy Busch discuss the challenges investors may face when making financial decisions during periods of market uncertainty. They explore common questions such as current market conditions, potential future trends, and general considerations investors may evaluate within their portfolios to help manage risk and uncertainty.
This podcast is intended for informational and educational purposes only and should not be construed as personalized investment advice or a recommendation to take any specific action. Listening to this podcast does not create an advisory relationship. Please consult a qualified financial professional regarding your individual situation...
Hass to Hear #197
Bella Hass with the Hass to Hear podcast interviews Josh Nelson. They had a great discussion and hope you will enjoy it too. They talk about financial advising, Josh's own financial journey, but also how to teach financial literacy to kids and advice for younger generations as people are getting going. They also talk about how to be intentional and have a spirit of generosity as we build up and become successful over time.
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Do I Need A Trust (#61)
What is a financial trust? Who should have such a trust? How do we go about getting one?
In this episode, host Josh Nelson answers these questions and provides more practical advice about this critically important aspect in your financial life.
Transcript of this episodeis available to read or copy and save. Click the Transcript button above.
Thanks for listening and supporting The Wiser Financial Advisor.
Contact Josh Nelson:
https://keystonefinancial.com
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T...
Hass to Hear
Recently, host Josh Nelson had the opportunity to be on somebody else's podcast, named Hass to Hear. Bella Hass interviewed him and they had a great discussion. They talked about financial advising, his own financial journey, but also how to teach financial literacy to kids and advice for younger generations as people are getting going, plus so much more. We hope you will enjoy it. Thanks for listening.
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Contact Josh Nelson: https://www.keystonefinancial.com
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How To Gain Financial Peace of Mind For Those You Love (#9)
Host Josh Nelson explains what he means by financial peace of mind. What it actually is and the consequences could be for those in your family without it. He helps with knowing how to be adequately prepared if something happened that would leave your loved ones in a financial lurch.
Contact Josh Nelson for a free consultation to create your financial peace of mind.
https://www.keystonefinancial.com
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Understanding Restricted Stock Units #195
Restricted Stock Units (RSUs) are a popular form of equity compensation that companies use to reward employees. Instead of getting cash or the option to buy stock, you are promised a specific number of shares of company stock, provided you meet certain conditions.
In this episode Josh Nelson and Jeremy Bush give a breakdown of how they work, the timeline, and the inevitable "tax man" visit.
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Josh Introduces Newest Team Member, Michael Stevenson #193
Micheal Stevenson isn't just a new team member at Keystone financial. He's smart, ambitious, well-spoken and very focused on helping Keystone clients have the most financial success possible. He talks with Josh Nelson in depth in this episode about his motivation, his background and his valiant efforts to get his CFP certification.
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Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651
Contact Josh Nelson: https://www.keystonefinancial.com
Contact Jeremy Busch: https//www.keystonefinancial.com
Podcast Editor: Tim Leaman/[email protected]
Virtual Assistants: How & Why Employers Are Hiring Them with guest Mandy Brown (#79)
In this episode, host Josh Nelson interviews Mandy Brown, Director of Client Relations with Belay Solutions about the benefits virtual assistants provide to employers.
"Remote work is here", says Mandy, "and Belay Solutions is proud to lead the charge in disrupting the status quo and dismantling the ‘way things have always been done.’ "
If you happen to be in need of a virtual helper the Belay team doesn't hire out just any virtual assistant for their clients. They do their research to find a virtual assistant that, of course, has the needed skills but also...
