Financial Opportunities Uncovered: A Keeler & Nadler Family Wealth Podcast

Andy Keeler
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Come take a journey with us as we explore topics and concepts from the obscure to those hiding in plain sight, so obvious that you wonder how you missed the low lying fruit.  Financial planner and host Andy Keeler and his team, thought leaders, and guests discuss everything from maximizing your money and lowering taxes to how to gain the upper hand in an auction and the math behind online gambling.  We discuss wealth building strategies and wander into deeper aspects of the human mind that can improve or inhibit our ability to build wealth with confidence.

  1. 1H AGO

    Special Needs Planning Made Clear - Legally and Financially

    One unexpected inheritance can knock a loved one off critical benefits, and most families don't find out until it is too late. Keeler and Nadler's Mark Beaver sits in the host chair for this episode and welcomes special needs planning attorneys Logan Phillips and Derek Graham of Phillips and Graham.   Together, this vital conversation lays out a clear, practical approach to special needs estate planning and special needs financial planning, built for real life instead of legal theory. We talk through what “special needs planning” actually means: not just drafting a trust, but creating clarity around Medicaid, SSI, county board services, and the long timeline families are really navigating. Logan and Derek explain when families typically start planning, why connecting with the County Board of Developmental Disabilities matters, and how Medicaid waivers can fund life-changing supports. Then, Mark, Logan and Derek get specific about the money rules that create the biggest pitfalls:  the $2,000 asset limit, how a typical estate plan can accidentally disqualify a person with a disability, and how a third-party discretionary trust often protects benefits.   Listen to the very end too as our guests share a key planning lever many financial advisors miss: Disabled Adult Child Benefits and how a parent’s Social Security retirement timing can change outcomes. If you want more clarity and fewer surprises, subscribe, share this with a parent or advisor who needs it, and leave a review with the question you want us to tackle next. 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.

    45 min

  2. MAR 3

    VIP Medical Care.  Great Perks But No Panacea

    Want faster care, longer visits, and a doctor who actually has time to think about your case?  Host, Andy Keeler, digs into concierge medicine and direct primary care with Dr. Vicki Rentel, a retired primary care physician.   Dr. Rentel speaks candidly about what these models do well, where they fall short, and how they reshape incentives for both patients and clinicians. No fluff—just practical insights on cost, access, and real‑world tradeoffs. We break down the differences between concierge and DPC: who bills insurance, how memberships are priced, what’s included, and where extra fees can pop up.  We also tackle the uncomfortable truth about speed: a quick referral or immediate test is not always better. Dr. Rentel shares examples of overtreatment and how the pressure to please paying members can skew decisions.  Plus, she explains which questions to ask to keep your medical care evidence‑based and safe. Prevention and wellness - like many things - come back to basics: habits, environment, DNA, and consistency.  Yes, medical memberships can add accountability, but health outcomes still hinge on long-standing factors like sleep, exercise, nutrition, stress, and tobacco use. The bottom line is simple; the best predictor of your results is the clinician and the quality of their team, not the label on the practice door. If you’re considering a switch or just want to get more from your current care, this conversation gives you a clear framework: what to expect, what to avoid, and how to choose wisely.    Follow the show, share it with a friend who’s debating health care, and leave us a quick review with your biggest question.  We just might feature it next time! 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.

    33 min

  3. FEB 13

    From Paychecks To Purpose:  Designing A Fulfilling Retirement

    What if the most important part of retirement can’t be measured in dollars? Host, Andy Keeler sits down with certified retirement coaches Rita Gallagher and Rhonda Fekete to unpack the real levers of a fulfilling life after the paycheck: identity, purpose, health, and community. You’ll hear why many people plan a one-week vacation more carefully than their next 30 years.  Plus, how a few intentional choices can turn dread or boredom into energy and meaning. We map out four common mindsets of people closing in or at retirement age:  can’t wait, I guess it’s time, my work is who I am and still engaged.   Andy, Rita and Rhonda then show how each one can become a successful path. Rita shares what a joyful retirement looks like in practice, from therapy dog visits and Meals on Wheels to a thriving pickleball tribe. Rhonda walks through a client story where phased work and clear boundaries transformed fear of losing relevance into a thriving consulting practice. Along the way, we dig into Blue Zones insights on social ties, the hidden cost of loneliness, and why mobility training might be the best travel insurance you’ll ever buy. Expect practical prompts you can use now: who will you see each week, what will you learn, where will you serve, and how will you move your body and your brain? We also explore how non-financial coaching fits with financial planning.  Prime example — how to avoid the trap of hobby-only retirement plans that fizzle fast. Whether you want to keep working on your terms or step into a new rhythm, this conversation helps you design a chapter worth waking up for.   If this resonates, follow the show, share it with someone wrestling with timing or identity, and tell us what purpose looks like for you. 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.

    30 min

  4. JAN 30

    Savvy Tax Moves for Small Business Owners

    Tired of torching profit on last‑minute purchases that don’t move the needle? Host, Andy Keeler dives into a smarter path for small business owners: using entity structure, reasonable compensation, and layered retirement plans to legally cut taxes while building real wealth you control. With CFP Michael Davis of Creative Retirement Solutions, we unpack the practical differences between sole proprietors and S-Corps and how to set compensation that passes the smell test without kneecapping your contribution room. From there, we map out a clear plan stack. IRAs and a well-built 401(k) with profit sharing is the engine, allowing high, deductible contributions that actually dent your tax bill. Then we open the door to cash balance pension plans—ideal for profitable owners, especially those older than their teams. Andy and Michael talk real numbers, typical costs, and why tax credits can offset setup and admin too. Flexibility is the throughline in this episode. Plan designs can be tuned to your budget, frozen in tough years, and amended as profits change. For many owners, that means capturing 90%+ of contributions personally when demographics line up, all while treating employees fairly with vesting and transparent benefits. The result is a toolkit that shifts dollars from wasteful spend into assets that compound over time.  Listen now, then subscribe, share with a fellow owner, and leave a review telling us which strategy you’ll start with.   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.

    29 min

  5. JAN 14

    Should I Pay Off My Mortgage?   Buy or Lease A Car?   It's Mind Vs. Math  

    Ever wonder why your Roth “feels” slower than your 401(k)?   You're nearing retirement and want to be mortgage free.  But is that the smart money play?   You want to buy or lease your next car?   Should it be new or used?   These are our most popular questions when host Andy Keeler opens the Keeler and Nadler mailbag!   And he has reinforcements for this one: Abby Rose, CPA, CFP, Mark Beaver, CFP, and Jake Martin, CFP.  The whole gang is here to tackle real‑world money questions listeners and clients ask us every week. We start by separating account labels from investment results, showing how contributions and scale distort what you see in your balances. From there, we map out a simple way to decide between pre‑tax and Roth 401(k) contributions using your current and expected tax brackets.  College planning gets a much‑needed demystification: FAFSA has three deadlines and filing early matters for grants and institutional aid. It is faster than ever thanks to IRS upgrades too. Then we put numbers and behavior side by side for the mortgage payoff question. With low rates, the spread between your debt cost and a reasonable portfolio return can compound in your favor—if you can stick to the plan. We also look at gold with a cold, sobering eye: those marketing commercials are loud right now, but inflation protection is inconsistent, and volatility is high.    We also discuss long‑term health care as standalone policies have grown pricey.   Let's also talk about a car for you and college savings for junior.   529 plans deliver tax‑free growth and the potential to roll unused funds to a Roth IRA for your child. And on the road, lease vs buy comes down to cash flow, mileage, high-tech, and your tolerance for surprise (!) repairs. If this helped you make a smarter money move, follow the show, share it with a friend, and leave a quick review so more people can find these practical, problem-solving conversations by Keeler and Nadler Family Wealth. 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.

    42 min

  6. JAN 5

    When Sentiment Sours, Long-Term Discipline Wins.  Case In Point - 2025

    The year felt like a stress test wrapped in a plot twist: a spring selloff on tariff fears, a quick reset, and a powerful finish powered by heavyweights. Andy, Jake and Mark walk through the real drivers behind the numbers—how a 19% drawdown and an 8% wobble hid inside a “good year.”   Plus, why market leadership looks unusually concentrated, and what makes today’s earnings story different from the dot-com era. No crystal balls here, just clear context and a focus on decisions that actually move the needle for long-term investors. We dig into the global picture as well. Developed international and emerging markets finally showed some life, helped by a weaker dollar that lifted returns for U.S.-based investors.  On the fixed income side, bonds did their boring, beautiful thing: they provided ballast when stocks stumbled and finished positive as the yield curve started to look normal again.  (Oh yeah, we explain what a yield curve is!) Starting yields matter, and they tell a better story now than at any point in the near-zero rate era. Policy and headlines gave us plenty to chew on too: tariffs that started scary but moderated with negotiation, consumer debt stories that missed the key metric of debt service ratios, and high-profile tech layoffs set against an unemployment rate still near full-employment territory. We close with a contrarian insight that keeps proving itself: when sentiment is bleak, forward returns tend to improve. The “wall of worry” is real, and it’s climbable with diversification, patience, and a plan built for years, not months. Follow the show, share it with a friend, and leave a quick review so more listeners can find it. What market question should we tackle next? 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.

    29 min

  7. 12/15/2025

    How To Spot A Good Business And Sell It Well

    Ever wonder whether your dream business is a smart investment or a costly hobby in disguise? We dig into the real math and human realities of starting, buying, operating and selling small businesses with Emmet Apolinario, a certified exit planning advisor and president of the Ohio Business Brokers Association.  Andy and Emmet walk through two common entry points—spotting an underserved market or turning a passion into a company—and test each against capital needs, staffing complexity, and margins. You’ll hear how a disc golf retailer sold at the right moment, why a travel agency delivered lifestyle and strong cash flow, and how a bakery boosted margins by shifting to online ordering. We explain why Seller’s Discretionary Earnings (SDE) is often the truest yardstick for small, owner-operated firms.  Emmet breaks down the eight value drivers that buyers reward including: recurring revenue, consistent financial performance, growth potential, capacity utilization, the Switzerland structure (vendor and client diversification), monopoly control and brand strength. If you’re debating a salon, restaurant, home healthcare, or any people-heavy model, we also lay out how bench strength, scheduling systems, and incentives can turn turnover into a manageable variable instead of a daily crisis. Enjoy the conversation, subscribe, and share with a friend who’s entrepreneurial! 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.

    31 min

  8. 11/17/2025

    Garage Dreams on a Smart Budget.  Collecting Cars the Right Way

    Ever felt your pulse jump at the sound of a big-block V-8 or the whistle of a twin-turbo Flat 6? We chase that feeling the smart way, sitting down with Ectore Tranquilo, an analytical chemist by trade who built a reputation as a sharp-eyed car buyer, restorer, collector and advisor. Together, Andy and Ectore map out how to turn a garage dream into a confident purchase, from tracking down a lost family car to navigating auctions without getting played. We start by defining the “why” behind the buy—daily enjoyment, investment-grade originality, or a restomod that blends heritage with modern reliability. Ectore breaks down demographic waves that move the market: why C1 Corvette prices are softening, C2 Corvette’s are hot plus how C3 Corvette, Mustangs, IROC-Z's and Toyota Supras are climbing. We unpack the rise of restomods, where factory lines meet today's power, modern brakes, and Apple CarPlay.   These are cars you can actually drive yet often command six-figure results at auction. Then we get tactical. Learn the tools and sources that separate a great deal from a headache: marque registries, museum and track VIN archives and expert reference books. We lay out the real auction math—fees, transport, timing premiums, and air bidding—and how to protect yourself as both buyer and seller. Finally, we peek into modern exotics, from Ferrari allocation lists and anti-flip rules to picking the right model for your budget and exit plan. If you want a clear playbook to find, verify, and enjoy the right car without overpaying, this conversation will save you time, money, and heartache. Subscribe, share this episode with a fellow gearhead, and leave a quick review telling us your dream car and why.   It'll help others find the show and keep the engines running! 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.

    30 min
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About

Come take a journey with us as we explore topics and concepts from the obscure to those hiding in plain sight, so obvious that you wonder how you missed the low lying fruit.  Financial planner and host Andy Keeler and his team, thought leaders, and guests discuss everything from maximizing your money and lowering taxes to how to gain the upper hand in an auction and the math behind online gambling.  We discuss wealth building strategies and wander into deeper aspects of the human mind that can improve or inhibit our ability to build wealth with confidence.

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