13 episodes

Welcome to UnCommon Cent$ a podcast fostering real conversations about money. This podcast is designed specifically for investors who want to get real about money, investing, and winning at their dreams. We'll explore what investing really is, how it works, and how it can guide you in fulfilling your purpose for your life. Ultimately, I believe profitable investing comes down to a few components.1. Creating your true purpose for your money.2. Committing to deploying award-winning investing strategies.3. Combat the roadblocks and blind spots that stand in the way of you reaching your dreams. I’m Jennifer Foster, your host, an Administrative Assistant turned Investment Advisor, American Dream Leader, and coach. With over 17 years in the financial services industry, I’ve witnessed firsthand what has worked, and sadly what didn’t. I’ll deliver real conversations about money failures, and successes. You are welcome to dive into one of the most taboo topics, money. I have worked with many families -- from the main street investor-- to the wealthy-- and I understand the things that work and the strategies that fell flat. More importantly, I understand why! I’ll be showing up for you every Wednesday 2021, so be at the edge of your seas as we look forward to the possibilities of transforming our thinking and our actions. Let’s begin our journey together. Disclaimer: This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing, Jennifer Foster, or UnCommon Cents in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter. © 2020 SmartPlan.

UnCommon Cents Jennifer Foster

    • Business
    • 5.0 • 4 Ratings

Welcome to UnCommon Cent$ a podcast fostering real conversations about money. This podcast is designed specifically for investors who want to get real about money, investing, and winning at their dreams. We'll explore what investing really is, how it works, and how it can guide you in fulfilling your purpose for your life. Ultimately, I believe profitable investing comes down to a few components.1. Creating your true purpose for your money.2. Committing to deploying award-winning investing strategies.3. Combat the roadblocks and blind spots that stand in the way of you reaching your dreams. I’m Jennifer Foster, your host, an Administrative Assistant turned Investment Advisor, American Dream Leader, and coach. With over 17 years in the financial services industry, I’ve witnessed firsthand what has worked, and sadly what didn’t. I’ll deliver real conversations about money failures, and successes. You are welcome to dive into one of the most taboo topics, money. I have worked with many families -- from the main street investor-- to the wealthy-- and I understand the things that work and the strategies that fell flat. More importantly, I understand why! I’ll be showing up for you every Wednesday 2021, so be at the edge of your seas as we look forward to the possibilities of transforming our thinking and our actions. Let’s begin our journey together. Disclaimer: This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing, Jennifer Foster, or UnCommon Cents in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter. © 2020 SmartPlan.

    UnCommon Cents Episode 13: Your Child Needs a SmartPlan for Their Future Too

    UnCommon Cents Episode 13: Your Child Needs a SmartPlan for Their Future Too

    In this episode, my guest and I discuss several options for saving for college or for a Child's future.

    We discuss:
     FL Prepaid / 529 Savings
    Coverdell ESA & UGMA/UTMA
    and more...

    How much do you need to saving in a 529 plan? Check out this College Savings Calculator here. 
    You can reach me or one of my team members at 561-744-9516

    Visit us online at www.UnCommon-Cents.com

    Disclaimer: 
    Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

    Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  

    This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

    The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. 

    Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. 

    PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

    © 2020 SmartPlan. All rights reserved. 

    • 36 min
    UnCommon Cents: Episode 12: Mastering Your Master Card

    UnCommon Cents: Episode 12: Mastering Your Master Card

    In today's episode, we are discussing how to "Master Our MasterCard".
    Is it possible to get all the benefits while reducing the dangers that come with credit card use? I believe so, and I will share my tips to Mastering your MasterCard rather than it mastering you.

    Visit www.RichChickJen.com for the Savvy Wealth Management Course

    Join the UnCommon Cents Facebook group here.

    Follow me on Instagram @ RichChickJen

    Contact me at jen@smartplaninvesting.com

    Disclaimer: 
    Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

    Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  

    This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

    The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. 

    Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. 

    PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

    © 2020 SmartPlan. All rights reserved. 

    • 20 min
    UnCommon Cents Episode 11: Feeling the Luck of the Irish?

    UnCommon Cents Episode 11: Feeling the Luck of the Irish?

    It's St. Paddy's Day! 

    On today's episode I talk about my surprising ancestry, guess what? I'm Irish. We'll explore the history of St. Patrick's Day. Who is St. Patrick and why do some drink to celebrate? We'll look at some other fun facts too. Oh yeah, and many Americans are seeing green today and I don't mean for St. Paddy's Day. Many are discovering a little pot of gold in their bank accounts or mailboxes. Listen as I share my 10 top ways to spend your stimulus money these days.

    Disclaimer: 
    Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

    Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  

    This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

    The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. 

    Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. 

    PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

    © 2020 SmartPlan. All rights reserved. 

    • 23 min
    UnCommon Cents Episode 10: Is Factor Investing Just Another Investing Fad?

    UnCommon Cents Episode 10: Is Factor Investing Just Another Investing Fad?

    On today’s show I’m going to share three simple rules to investing that I follow, the three things I avoid, and break down an academic investing strategy I utilize.
    Is this just a passing fad?

    Disclaimer: 
    Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor which has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

    Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.  

    This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

    The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter. 

    Any securities mentioned are no a recommendation, for recommendations seek advice from a professional. 

    PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

    © 2020 SmartPlan. All rights reserved. 

    • 26 min
    UnCommon Cents: Episode 9: Legally, Morally and Ethically Pay Less Taxes.

    UnCommon Cents: Episode 9: Legally, Morally and Ethically Pay Less Taxes.

    Since we are in tax season we are going to explore a little history of how income taxes came to be, and how you can legally, morally, and ethically pay less of them? I don’t know anyone who likes to pay taxes, but there are ways you can reduce your fair share.
     
    No one wants to pay more than they need to, so there are many ways to reduce one’s tax liability and one way is by funding one's retirement. In addition to funding a 401(k), you may be able to fund a Traditional, Roth, or Both. Some may need to fund the Roth using the backdoor method.
    https://www.irs.gov/retirement-plans/ira-deduction-limits

    NOT covered by a plan at work https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-not-covered-by-a-retirement-plan-at-work
    If you ARE covered by a plan at work
    https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work
    Are you a small business owner or self-employed, you may want to contribute more than 6 or 7 thousand a year.  I’ll chat briefly about the SIMPLE IRA, SEP-IRA, and Solo 401(k).
    https://www.irs.gov/retirement-plans/one-participant-401k-plans
    www.uncommon-cents.com
    Join the UnCommon Cents Facebook group here.

    Follow me on Instagram @ RichChickJen
    Disclaimer:
    Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor that has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

    Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartP

    • 32 min
    UnCommon Cents Episode 8: What Can We Learn From Elite Athletes?

    UnCommon Cents Episode 8: What Can We Learn From Elite Athletes?

    Today we're going to take a look at what lessons we can learn from a professional athlete. I was reading an article about a professional athlete's diet and fitness routine.

    The article went on the detail his daily routine as well and here I found some very helpful distinctions we can borrow for our lives.

    www.uncommon-cents.com
    Join the UnCommon Cents Facebook group here.

    Follow me on Instagram @ RichChickJen

    Disclaimer:
    Financial Planning Counselors, Inc . DBA SmartPlan Investing  “SmartPlan” is a state registered investment advisor that has been in business since 1984.  Content is based on the views of the host.  Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected.  Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

    Presentations conducted online pose a number of issues that in-person presentations do not.  For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home.  SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers.   In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request.  Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss.  SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

    All investing involves risks and costs.  Your advisor can provide you with more information about the risks and costs associated with specific programs.  Your advisor is not affiliated with Matson Money, Inc.  No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee a profit, or protect against loss. 

    This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

    The thoughts and opinions of guests do not necessarily represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

    Any securities mentioned are not a recommendation, for recommendations seek advice from a professional.

    PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

    © 2020 SmartPlan. All rights reserved.

    • 19 min

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