Financial Opportunities Uncovered: A Keeler & Nadler Family Wealth Podcast

Andy Keeler
  • 5.0 (3)
  • INVESTING
  • UPDATED BIWEEKLY

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. DEC 15

    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

  2. NOV 17

    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

  3. NOV 3

    What's Your Number?  Savings Goals Decade By Decade

    What’s your number? We put real mile markers on a lifelong question and show how to translate worry into workable. Joining host, Andy Keeler, is Keeler and Nadler's  Jake Martin, to map your savings targets by decade.  Plus, the habits that actually stick, and the levers you can pull when life gets messy. We start with the 20s, where building a positive net worth, automating small contributions, and shaping good credit can matter more than hitting big balances. In your 30s, complexity ramps up—homes, partners, kids—and so does the risk of lifestyle inflation.   In the 40s, the “messy middle,” we target three times salary by 45 and talk candidly about stress, competing obligations, and how compounding begins to widen the gap between consistent savers and everyone else. Your 50s bring leverage. We outline salary targets, IRS catch‑up contributions, and why asset allocation now moves the needle more than new deposits. Then we shift to the 60s, where withdrawal strategy matters. We talk about the 4% rule and what it implies for how much you can sustainably withdraw, as well as how to coordinate Social Security timing to help the portfolio last longer.  The takeaway is clear: if you don’t save it, you’ll spend it, and the earlier you automate, the easier the journey.   From this episode, walk away with decade-by-decade benchmarks, practical tactics and a clear plan to adjust if you’re off pace. Subscribe and share this episode with a friend who may need a nudge too!   They'll thank you for it. 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.

    21 min

  4. OCT 14

    From Spice Routes to Sharpe Ratios:  Building Smarter Portfolios with a History Lesson

    Think your returns tell the whole story? We challenge that belief by walking through the real engine of smarter investing: the relationship between risk, return, and correlation—and how those forces shape a portfolio you can actually live with.  Andy, and Mark Beaver, the head of our investment team, revisit the elegant logic behind modern portfolio theory, map assets onto the efficient frontier, and show where many investors unknowingly take more risk than they need to. We keep the math human. Risk isn’t just “losing money”—it’s volatility, the swings that test your resolve and erode compounding. We unpack geometric return, standard deviation, and beta in plain English, then put them to work comparing U.S. equities, international stocks, and bonds in the real world. You’ll also hear why diversification is more than owning many funds, why bonds don’t always save the day, and how a portfolio can be tuned to sit on the frontier rather than drift below it. We also spotlight the Sharpe ratio—subtracting the risk‑free rate and scaling by volatility—to judge whether a “great” 10% decade actually earned its keep. Expect practical examples and historical context going back to tea-and-spice trading days.  If this conversation sparks an audit of your own allocation, tap follow, and share it with a friend who tracks the S&P like a heartbeat.   Plus, leave a review with the one 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.

    30 min

  5. SEP 29

    The $16,000 Medicare Mistake You Can't Afford to Make

    Medicare remains a frustrating enigma for millions of Americans despite being in existence for over 60 years. Even highly educated professionals find themselves bewildered when approaching their Medicare enrollment, often making costly mistakes that compound over time. But what if understanding Medicare could become a financial opportunity rather than a bureaucratic headache? In this illuminating episode, we dive deep into the Medicare maze with expert guidance from Kerry Quick of Seniority Benefits Group and our own Director of Tax, Abby Rose, CPA and CFP®. Together, they demystify the fundamental components of this critical healthcare program and reveal how seemingly unrelated financial decisions can dramatically impact what you pay for Medicare coverage. The conversation breaks down Medicare's structure—from the hospital coverage of Part A to the outpatient services of Part B, and the prescription coverage of Part D. You'll discover critical differences between Medicare Supplements and Medicare Advantage plans and learn why the timing of your enrollment matters more than you might think. Most importantly, we explore the often-overlooked connection between your tax planning and Medicare premiums through IRMAA (Income-Related Monthly Adjustment Amount)—a Medicare premium surcharge that can add up to $628 per month per person for higher-income beneficiaries. Whether you're approaching Medicare eligibility, helping parents navigate their healthcare options, or planning for your own retirement decades from now, this episode provides the clear, actionable guidance you need to make Medicare work for your financial plan rather than against it. Subscribe now and join Andy, Abby and Kerry for this essential conversation about one of retirement's most misunderstood challenges. 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.

    27 min

  6. SEP 15

    Hidden Savings Strategies Beyond Your 401k

    Discover the hidden savings vehicles that could transform your financial future beyond simply maxing out your 401(k). Keeler and Nadler's Jake Martin joins Andy to unpack powerful but often overlooked strategies that could save you thousands in taxes while accelerating your wealth-building journey. The conversation begins with Health Savings Accounts (HSAs), which Jake describes as having a unique "triple tax advantage".   Contributions are tax-deductible, growth is tax-deferred, and withdrawals for qualified medical expenses are completely tax-free. While many use HSAs for current medical expenses, the optimal strategy is often paying those costs out-of-pocket while allowing HSA funds to grow tax-free for future healthcare needs. Andy and Jake then explore Flexible Spending Accounts and Dependent Care Accounts, which operate on a "use it or lose it" basis but can generate significant tax savings for predictable expenses. For a family in the 25% tax bracket maxing out their Dependent Care Account at $5,000, the annual tax savings alone amount to $1,250 - essentially free money for expenses they would incur regardless. The discussion shifts to Employee Stock Purchase Plans, which allow employees to buy company stock at discounts of 5-15%. While these plans offer essentially guaranteed returns equal to the discount percentage, Jake cautions about concentration risk and recommends diversifying after meeting holding requirements. For listeners frustrated by Roth IRA income limits, Andy and Jake break down backdoor Roth strategies, including the "mega backdoor Roth" that enables much larger Roth conversions through after-tax 401(k) contributions.  Ready to uncover savings opportunities you might be missing? This episode provides actionable strategies to optimize your financial plan, potentially saving thousands in taxes annually while accelerating your path to financial independence. Subscribe now and share with friends who could benefit from these insights 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.

    25 min

  7. SEP 3

    The Blind Spots That Cost DIY Investors Thousands

    Financial planning is a complex system of interconnected gears—turn one, and you turn several others. While many people take pride in managing their investments, they often miss this crucial perspective, leading to costly oversights and missed opportunities. In this eye-opening episode, we explore why even the most sophisticated DIY investors—doctors, lawyers, CPAs, and retired investment bankers—eventually recognize the value of professional financial guidance. Mark Beaver, CFP®, joins Andy us to share real-world examples of how seemingly small financial decisions can have outsized consequences. We dive deep into the tax implications of investment decisions, revealing how active trading in taxable accounts can trigger significantly higher tax rates and even Medicare premium surcharges that cost thousands annually. One client was unknowingly paying 37% on investment gains when they could have paid just 15% with proper planning.  Beyond taxes, we examine common blind spots in estate planning (like unfunded trusts), retirement income sequencing, and the challenge of staying current on constantly evolving financial strategies. As Mark explains, "It's not just the decisions you make, but the opportunities you miss because you didn't know they existed." The most compelling reason sophisticated clients delegate their financial planning to Keeler and Nadler? It's rarely about capability but more about priorities. As one client put it: he wanted his wife cared for in his absence, valued our holistic perspective, and recognized he simply couldn't keep up with the evolving financial landscape across multiple disciplines. By delegating these responsibilities, he gained something far more valuable than potential cost savings — peace of mind and time to enjoy his retirement. Have questions about your financial plan or wondering if you've overlooked important opportunities? Connect with us on LinkedIn to continue the conversation. 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.

    24 min

  8. AUG 14

    Free Money for Schools: The Tax Credit No One Told You About

    Discover a little-known opportunity that allows Ohio taxpayers to redirect their state income tax dollars to private school scholarships—at absolutely no cost to themselves. This game-changing program gives you direct control over a portion of your tax dollars while providing vital financial support to K-12 non-public education. Jake Martin, CFP, joins host Andy Keeler to unveil the Scholarship Granting Organization (SGO) tax credit, a powerful but underutilized program introduced in Ohio in 2021. Unlike typical charitable deductions, this dollar-for-dollar tax credit means your $750 (individual) or $1,500 (couple) donation costs you nothing—the state essentially returns every penny through reduced tax liability. The impact? When multiple supporters participate, schools can raise hundreds of thousands in scholarship funding annually. The conversation breaks down exactly how the process works, who qualifies, and the simple steps to participate. You'll learn why this opportunity extends far beyond parents to include grandparents, friends, teachers, and anyone who pays Ohio income taxes. Jake shares real examples of how schools have leveraged this program to dramatically increase scholarship funding, making private education accessible to more families while strengthening school financial stability. Whether you have children in private school, support educational choice, or simply want more control over your tax dollars, this episode reveals a straightforward strategy that benefits schools without costing you a dime. Connect with your school administrators to help them organize participation or reach out directly to our Keeler and Nadler team with questions about implementing this opportunity in your community 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.

    17 min
See All (39)

Ratings & Reviews

5
out of 5
3 Ratings

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.

Information