I believe that The Keen Wealth Advantage helps folks feel more confident about comprehensive financial planning and their road to retirement. I also believe wholeheartedly in the consumer being as educated as possible on their various options before entrusting their planning and investing to any financial advisor. This is one of the key reasons we are now in our 10th year of producing this podcast and blog, answering listener questions and giving listeners a candid “look behind the curtain” on all things personal financial planning.

When you're meeting with professionals who could be managing your life savings for the rest of your life, there has to be more than just a personality fit. While personality is important, you also need to know what questions to ask and what warning signs to look for. Do they have a disciplined process and the depth and breadth of experience and resources to undertake this most serious responsibility? Are you able to confidently discern what your overall client experience will look like and know that they take the appropriate steps to ensure your confidential information is protected and that rules and regulations are being complied with?

On today's show, we answer two discerning listener questions that will help you have more productive meetings with potential advisors.

By the time it works through Congress to President Trump's desk, The One, Big, Beautiful Bill will probably have a few different details, and a different name. But the version of the bill that recently passed in the House gives us a fair indication of where tax policy could be headed for the next few years.

On today's show, we discuss the current version of the 2025 tax bill, potential changes that Congress might make, and potential ways this bill could affect your financial plan.

According to a recent Wall Street Journal article, there were 580,887 pending Social Security claims in March 2025. That's an increase of more than 80,000 from a year ago. Many of those claimants are seniors who have not yet reached their reach full retirement age.

I'd love to believe that the majority of these folks are taking Social Security early as part of a carefully considered plan to achieve a specific goal, such as early retirement. But, unfortunately, fear and short-sightedness often play far too big a role in the Social Security decision, especially for seniors who aren't working with an advisor.

On today's show, we clear up some of the misconceptions around Social Security and explain how Keen Wealth incorporates this important benefit into our comprehensive planning process.

Matt Wilson, Chief Investment Officer and President of Keen Wealth, sure had a lot to work with when he put together his 2025 Q2 Market Update Webinar! It's been an eventful few months for the economy, and Matt delivered a clear analysis of everything from growth trends and interest rate expectations to the potential impacts of tariffs.

On today's show, we complete our Q2 outlook by discussing some of Matt's broader points and answering follow-up questions from webinar attendees.

Folks reach out to Keen Wealth for all sorts of reasons, at all different points in their lives. We talk to young couples just starting out who want to put themselves on a path towards financial security. New retirees want to feel secure about transitioning away from work. Older seniors come to us looking to secure their legacies and make life a little easier for the next generation.

And, sometimes, a person realizes they've been receiving bad financial advice, and they're hoping my team can help them clean up the mess.

On today's show, we discuss some warning signs that the person managing your money might not be putting your best interests first, as well as how Keen Wealth's comprehensive process can restore your confidence in your financial planning.

"Jim" (66) and "Karen" (64) both retired in the last six months.

Jim has an IRA with $900,000, and Karen has a Roth IRA with $300,000. They inherited a brokerage account with $600,000 and a cost basis of $500,000. They have $100,000 in an emergency cash fund.

Jim is receiving his Social Security benefits of $2,600 per month. He also has a pension of $1,800 per month.

Karen is planning to start receiving her Social Security benefits at 67, for $1,900 per month.

Their total net worth is $2.7 million.

And now, just months into their retirement, Jim and Karen are wondering if they retired too soon. Do they need to jump back into the workforce to protect their financial plan against current market volatility?

On today's show, we analyze "Jim and Karen's" situation in the context of our broader economic moment and comprehensive planning principles. I hope this case study will help anyone who's close to retirement gain some perspective about whether market movements should affect your short-term or long-term financial goals.

Tariffs are nothing new. They've been implemented at several points in U.S. history, including as recently as 2018. But there are a confluence of factors surrounding President Trump's current round of tariffs that make it worth discussing.

On today's show, we round up questions we've been receiving at Keen Wealth about tariffs to provide a comprehensive rundown of why Wall Street is interested and what you should discuss with your financial advisor.

With about a month until Tax Day on Tuesday, April 15th, you should, ideally, have all your financial documents collected. It might be a good idea to check in one last time with your financial advisor before you send your 2024 data to your CPA or start plugging away on your favorite tax software.

But as you put a bow on last year, it's important to keep an eye on the future, especially for retirees. Cracking open your nest egg and sequencing how and when you use your assets and benefits is a complex process. Decisions you make today can affect your lifetime tax liability, the lifestyle you can enjoy during your Golden Years, and your legacy planning.

On today's show, we use this combination of short-term and long-term perspective to tackle some listener tax questions and explain how the Keen Wealth Advantage can help you feel more confident about how taxes fit into your comprehensive planning.