Nursing home care can cost more than a mortgage, a college tuition payment, and a car note combined. And it can continue month after month. Andy sits down with Maggie Sutton, a Certified Elder Law Attorney, to make Medicaid planning feel less like folklore and more like a set of rules you can actually work with. If you have ever wondered whether you “make too much” to qualify, or why families still run out of money even with solid retirement income, we lay out the math behind long-term care and Medicaid in plain language.

We dig into the two buckets that drive Medicaid eligibility: income and assets. Maggie explains the current income cap concept (including the $2,982 figure) and when a Qualified Income Trust, also known as a Miller Trust, can help someone qualify even with higher monthly income. Then we shift to asset limits, countable versus exempt assets, what happens for single applicants versus married couples, and why details like the house, vehicles, and retirement accounts in payout status can change the outcome.

From there, we get into the big gotchas: the five-year lookback and the penalty period triggered by gifts or transfers, plus the part many families miss entirely - Medicaid estate recovery after death.

We also walk through practical tools used in real plans, including spousal strategies around home ownership and a Medicaid compliant annuity example designed to protect the spouse while meeting the rules.

Subscribe for more planning conversations, share this with someone caring for aging parents, and leave a review if it helped. What Medicaid rule do you want us to explain 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.

Politics can feel like the only thing moving the stock market, especially in a midterm election year. But when we step back and look at the data, a clearer pattern shows up: markets don’t “hate” one party, they hate uncertainty. With Andy, Jake and Jessica, we talk through why volatility often rises as Election Day approaches, why that turbulence can peak before the vote, and why a relief rally after the results isn’t as surprising as it sounds.

We also dig into the four-year presidential cycle and the counterintuitive lesson it teaches. The midterm year is often the roughest stretch, particularly early on, which tempts people to sit on the sidelines. The problem is that the strongest window frequently follows right after, and trying to dodge the dip can mean missing the rebound.

From there, we tackle the question everyone asks at some point: does the stock market do better under Democrats or Republicans? We share the long-run return comparisons, explain why the gap is smaller than most people expect, and discuss why divided government has historically been a tailwind for markets. To make it real, we compare 2026 to recent midterm years like 2018 and 2022, including how Federal Reserve rate policy, inflation, and geopolitical risks can overwhelm the usual election-year script.

If you want a calmer, more evidence-based way to think about investing during election seasons, listen now, then subscribe, share with a friend, and leave a review so more people can find Financial Opportunities Uncovered.

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.

Politics can feel like the only thing moving the stock market, especially in a midterm election year. But when we step back and look at the data, a clearer pattern shows up: markets don’t “hate” one party, they hate uncertainty. With Andy, Jake and Jessica, we talk through why volatility often rises as Election Day approaches, why that turbulence can peak before the vote, and why a relief rally after the results isn’t as surprising as it sounds.

We also dig into the four-year presidential cycle and the counterintuitive lesson it teaches. The midterm year is often the roughest stretch, particularly early on, which tempts people to sit on the sidelines. The problem is that the strongest window frequently follows right after, and trying to dodge the dip can mean missing the rebound.

From there, we tackle the question everyone asks at some point: does the stock market do better under Democrats or Republicans? We share the long-run return comparisons, explain why the gap is smaller than most people expect, and discuss why divided government has historically been a tailwind for markets. To make it real, we compare 2026 to recent midterm years like 2018 and 2022, including how Federal Reserve rate policy, inflation, and geopolitical risks can overwhelm the usual election-year script.

If you want a calmer, more evidence-based way to think about investing during election seasons, listen now, then subscribe, share with a friend, and leave a review so more people can find Financial Opportunities Uncovered.

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.

SpaceX goes public and suddenly every portfolio conversation gets louder. At this midyear point, Andy and the crew at Keeler and Nadler wanted to slow it down a bit and look at what really matters; how IPOs actually get priced, why the opening trade can bake in years of optimism, and what history says about buying the hype versus simply sticking with the S&P 500.

Andy, Abby Rose and Mark Beaver also zoom out to the bigger midyear picture. Inflation is proving sticky again, driven largely by energy prices and complicated by the lagging way housing data shows up in the numbers. With a new Federal Reserve chair in place, the obvious question is whether interest rates move next or whether the Fed stays on hold. We talk through what “peak inflation” could mean if energy cools and why policy decisions are rarely as simple as a headline makes them sound.

From there, we connect the dots to what’s been powering markets: the AI trade, fast earnings growth, and the way market leadership is spreading beyond the Mag 7. Improving market breadth is a reminder that diversification still works, especially when concentration is high and the next decade’s winners may not be today’s favorites. If you care about long-term investing, retirement planning, and making decisions you can defend when volatility returns, you’ll get practical guardrails here. Plus, from here on out, you get to see our faces if you want! We've launched a video pod to go along with our audio only option so subscribe, share this with a friend, 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.

SpaceX goes public and suddenly every portfolio conversation gets louder. At this midyear point, Andy and the crew at Keeler and Nadler wanted to slow it down a bit and look at what really matters; how IPOs actually get priced, why the opening trade can bake in years of optimism, and what history says about buying the hype versus simply sticking with the S&P 500.

Andy, Abby Rose and Mark Beaver also zoom out to the bigger midyear picture. Inflation is proving sticky again, driven largely by energy prices and complicated by the lagging way housing data shows up in the numbers. With a new Federal Reserve chair in place, the obvious question is whether interest rates move next or whether the Fed stays on hold. We talk through what “peak inflation” could mean if energy cools and why policy decisions are rarely as simple as a headline makes them sound.

From there, we connect the dots to what’s been powering markets: the AI trade, fast earnings growth, and the way market leadership is spreading beyond the Mag 7. Improving market breadth is a reminder that diversification still works, especially when concentration is high and the next decade’s winners may not be today’s favorites. If you care about long-term investing, retirement planning, and making decisions you can defend when volatility returns, you’ll get practical guardrails here. Plus, from here on out, you get to see our faces if you want! We've launched a video pod to go along with our audio only option so subscribe, share this with a friend, 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.

Your retirement countdown hits zero! Yessssssss! Very exciting indeed. But suddenly, the real question shows up: what replaces your paycheck, month after month, for decades to come? Host, Andy Keeler, walks through a practical way to answer it with Keeler and Nadler's Jake Martin. They do it without hand-waving or generic calculators, instead using a tried-and-true three-legged stool framework: investments, Social Security, and pensions or annuities.

First, a breakdown of the investments leg: what the 4% rule actually tries to solve, why taxes can quietly shrink your spending power, and why the first few years of retirement carry outsized risk.

Then, Andy and Jake tackle Social Security planning head-on. We address the “it won’t be there” fear, explain what funding pressure means versus benefits disappearing, and talk about why timing is a major decision with spouse and tax implications. Finally, we cover pensions and annuities as sources of guaranteed income, including the real emotional value of predictable checks plus cautions around inflation, fees, and lost flexibility.

If you’re building a retirement income plan, this conversation helps you think in systems, not just account balances. Subscribe for more practical retirement planning guidance, share this with someone near retirement, and leave a review with your biggest retirement income question.

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.

A free AI financial plan can feel like a shortcut, but shortcuts in retirement planning usually come with a bill later. We decided to test a popular AI financial planning tool the way a real household might use it, then compare what it produced against what we’d expect from an experienced advisor and CFP-level planning process. Mike Klubnik joins Andy to walk through what the tool asked, what it never asked, and why those omissions matter. Matter, greatly in fact!

We build a case study around a married couple (65 and 62) retiring within a year, with $1.75 million invested and spending that rises in retirement due to travel and hobbies. From there, we dig into the planning details that separate a generic projection from an actionable retirement income strategy. We also explain why “what you own” matters as much as “how you’re allocated,” including diversification risk, capital gains distributions in taxable accounts, and the way asset location can quietly raise taxes.

Then we look at the AI output and what it missed. It missed a lot and put simply — that can derail real families. The AI tool had no meaningful Social Security strategy, no long-term care planning assumptions, thin coverage of insurance and estate planning details, and recommendations that were misfits for retirees. AI can be a helpful starting point, but it cannot replace the right questions, tax-aware strategy, and implementation support that turns a plan into real life.

Subscribe for more retirement planning and tax planning conversations, share this with someone considering an AI retirement plan, and leave a review with the biggest question you still have about using AI in personal finance.

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.

A contract trading at 70 cents can tell you something simple and powerful: the crowd believes there’s about a 70% chance an event will happen, and that number moves as the world changes. That’s the core idea behind prediction markets, and it’s why they’ve become one of the most fascinating meeting points of behavioral finance, economics, and real-time forecasting.

Andy is joined by Mark Beaver, partner at Keeler and Nadler Family Wealth and head of our investment committee, to unpack how “event contracts” work, why their prices behave like living probability estimates, and why money on the line can sharpen judgment. We connect the dots to the wisdom of crowds with concrete examples, from the jelly bean jar effect to game show audience lifelines, and then trace the modern rise of platforms like Polymarket and Kalshi along with earlier research such as the Iowa Electronic Markets.

We also dig into the practical uses beyond politics. Internal prediction markets at companies like Google and HP show how collective information inside an organization can outperform traditional forecasting models, while sometimes stripping away corporate politics. Then we face the hard questions: regulation vs innovation, the risk of insider trading, and whether market manipulation can distort public perception even briefly.

If you like investing, decision-making, or simply understanding how forecasts get made, this conversation will give you a clearer framework for thinking about probability in the real world. Subscribe, share the show with a friend who loves predicting the future, and leave a review with your take: are prediction markets a helpful tool or a slippery slope?

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.