Financial Sentiments

Nicholas
  • 5.0 (1)
  • Investing

Financial Sentiments is a podcast about investing, retirement, taxes, estate planning, and the financial decisions that shape real life. Hosted by Nick Haberling, CFP®, each episode breaks down important planning topics in a thoughtful, practical way for families, retirees, and business owners who want to make smarter decisions with their money.

Episodes

  1. Jul 9

    Same Gift, Smarter Plan: How to Leave More to Family and Charities

    In this episode of Financial Sentiments, Nick Haberling walks through a simple but powerful estate planning idea: when leaving money to both family and charity, which assets go to whom can matter just as much as how much they receive. Using a real-world-style example, Nick explains why pre-tax retirement accounts like IRAs can be costly for heirs but highly efficient for charities, while appreciated assets such as a home or brokerage account may be better suited for family because of the step-up in basis. With the right structure, a charitable estate plan can potentially reduce taxes, simplify the transfer process, and increase the impact of every dollar left behind. Read the original article here: https://financialsentiments.com/blog/2023/11/16/maximizing-your-charitable-legacy-smart-strategies-for-tax-efficient-estate-planning Have a question or want to talk about your financial plan? Email Nick at nhaberling@hfgtrust.com or book a meeting here: https://bookings.cloud.microsoft/book/HFGTrustNickHaberling@HFGTrust.com/?ismsaljsauthenabled=true This episode is for informational and educational purposes only and should not be considered financial, tax, investment, or legal advice. Please consult your own professional advisors before making decisions about your estate plan.

  2. Jun 24

    Is the S&P 500 Really Diversified?

    In this episode of Financial Sentiments, Nick Haberling, CFP®, discusses the hidden concentration inside the S&P 500 and why investors may not be as diversified as they think. The S&P 500 is often described as a broad basket of 500 of America’s largest companies, but the index is weighted by market capitalization. That means the largest companies can have an outsized impact on performance. This episode explains what that means, why the Magnificent 7 have mattered so much in recent years, and how investors should think about diversification beyond simply owning “the market.” Read the original article here: https://financialsentiments.com/blog/2026/5/27/the-hidden-concentration-inside-the-sampp-500 Have a question or want to talk about your financial plan? Email Nick at nhaberling@hfgtrust.com or book a meeting here: https://bookings.cloud.microsoft/book/HFGTrustNickHaberling@HFGTrust.com/?ismsaljsauthenabled=true

    Is the S&P 500 Really Diversified?
  • 2 Episodes

About

Financial Sentiments is a podcast about investing, retirement, taxes, estate planning, and the financial decisions that shape real life. Hosted by Nick Haberling, CFP®, each episode breaks down important planning topics in a thoughtful, practical way for families, retirees, and business owners who want to make smarter decisions with their money.

Information

  • Creator
    Nicholas
  • Years Active
    2026
  • Episodes
    2
  • Rating
    Clean
  • Copyright
    © 2026 Financial Sentiments
  • Show Website
    Financial Sentiments