Tax-Smart Retirement Withdrawals: How Discipline today results in freedom tomorrow.

One of the most overlooked aspects of retirement planning is your withdrawal strategy—how you take money from your accounts. Without a plan, you could end up paying more taxes than necessary, reducing the longevity of your investments. By strategically withdrawing from your accounts, you can optimize your tax bill and potentially extend the life of your portfolio. 

Do not be fooled into thinking that this is something you don’t have to think about until you near retirement age - that could not be further from the truth! The flexibility of your retirement withdrawal strategy is directly tied to the cash flow planning, tax planning, and savings strategy you implement in your working years.

The Three Main Buckets of Tax Diversification

Understanding how different types of retirement accounts are taxed is crucial to a well-structured withdrawal strategy. There are three main tax buckets to consider:

1. Ordinary Income Bucket

These funds are taxed at ordinary income rates, which currently range from 10% to 37%, depending on your marginal tax bracket.

Examples include:

• W-2/1099 wages

• Business income

• Rental income

• Ordinary dividends and interest from a taxable brokerage account

• High-yield savings interest

• Short-term capital gains from a brokerage account or sale of other assets

• Withdrawals from traditional IRAs, 401(k)s, and similar tax-deferred accounts

2. Long-Term Capital Gains Bucket

Long-term capital gains are taxed at preferential rates of 0%, 15%, or 20%, depending on your taxable income.

Examples include:

• Sales of long-term securities in a brokerage account

• Profits from the sale of long-term assets (i.e. rental home, business assets, etc.)

3. Tax-Free Income Bucket

These funds are entirely tax-free when withdrawn under the right conditions.

Examples include:

• Roth IRA and Roth 401(k) withdrawals (if qualified)

• Principal from savings accounts or after-tax contributions to brokerage accounts

Having a proper ratio of your portfolio in these different tax buckets will not only save you in taxes over your entire lifetime, but it also can add flexibility to other aspects of your financial plan as you near retirement, such as healthcare.

Consider Healthcare Challenges

Be Aware of Health Care Opportunities - Managing taxable income wisely may allow you to qualify for subsidies on the Health Insurance Marketplace by minimizing withdrawals from tax-deferred accounts.

Mind the Medicare IRMAA Surcharges – Medicare premiums are subject to an income-related monthly adjustment amount (IRMAA), based on a two-year look-back period. Large withdrawals from tax-deferred accounts could push you into a higher Medicare premium bracket, unnecessarily increasing healthcare costs.

Focus on What You Can Control

Financial headlines often focus on what’s beyond your control—market fluctuations, Federal Reserve interest rate decisions, or potential tax law changes. Worrying about these external factors can lead to anxiety and inaction. Instead, shift your focus to what you can control: how you save, where/how you invest, and how you structure your future withdrawals.

By diversifying your retirement savings across different tax buckets, you gain more flexibility in deciding how to draw income in retirement. This strategy can help minimize taxes, stay within favorable tax brackets, and strategically pass wealth to heirs.

A Balanced Approach

The best withdrawal strategy depends on your tax bracket, investment returns, and most importantly, your future financial needs. Your specific goals should be the drivers of your financial plan. By taking a thoughtful, tax-aware approach, we can do our best to control what we can, regardless of the noise around us. 

It’s never too early to start thinking about tax diversification within your investment portfolio. The discipline you apply during your working years translates to flexibility and freedom in retirement. If you’d like to explore how a tax-efficient savings strategy can impact your financial future, let’s connect!

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Fiduciary Financial Advisors, LLC is a registered investment adviser and does not give legal or tax advice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. The information contained herein has been obtained from a third-party source which is believed to be reliable but is subject to correction for error. Investments involve risk and are not guaranteed. Past performance is not a guarantee or representation of future results.

Fiduciary Financial Advisors does not give legal or tax advice. The information contained does not constitute a solicitation or offer to buy or sell any security and does not purport to be a complete statement of all material facts relating to the strategies and services mentioned.

Fiscal Fitness: The Behavioral Connection Between Consistent Exercise and Retirement Savings→

What if I told you that the time you spend in the gym can help you maximize the amount you save for retirement? Consistently exercising and saving for retirement share underlying behavioral traits, including goal-setting, delayed gratification, and self-discipline. Exploring these parallels can offer insights into building better habits for physical and financial well-being.

Shared Behavioral Foundations

Physical fitness and financial planning are parallel journeys, both requiring long-term goal setting and consistent effort. For example, whether you aim to shed a few pounds before a vacation or save for a larger home as your family grows, success depends on creating a broad plan and adjusting the details as you progress. The most challenging step is often getting started, but once you do, the benefits compound. Practicing delayed gratification strengthens your ability to prioritize future rewards, making it easier to develop lasting habits. Over time, these small, incremental changes lead to significant outcomes—such as increased metabolic rate in fitness or the growth of wealth through compound interest. These benefits come together beautifully, enabling us to maximize energy and health as we age. This not only reduces medical expenses but also extends the freedom to travel and engage in activities during retirement, enhancing overall quality of life.

Psychological Benefits of Consistency

Consistency in exercise and financial saving offers psychological benefits that extend across both domains. Regular exercise helps build resilience by fostering mental toughness, a quality that directly translates to the discipline needed for financial planning and saving. Additionally, studies show that exercise reduces cortisol levels and improves cognitive function, leading to lower stress and more rational decision-making—critical factors in managing finances effectively. Furthermore, success in one area, such as achieving fitness goals, creates a positive feedback loop, boosting confidence and reinforcing habits that can be applied to other areas, like saving for the future. These interconnected benefits illustrate how consistency in one domain can enhance overall well-being and success in life. I’m excited to have partnered with Justin Merriman on this article, owner of FitLyfe Training. As a Physical Trainer with a Bachelors in Clinical Exercise Science from Grand Valley State University, he brings a unique perspective to the changes he sees in his clients’ healthy habits. If you’ve been thinking about working with a Physical Trainer feel free to schedule a meeting with him or follow him on Instagram @jman_merriman. Here’s his take on the matter.

Trainer’s Perspective

Justin Merriman, OWNER OF Fit Lyfe Training

For most people, acquiring discipline can be quite the tall task. This typically comes when facing a goal we are not quite sure how to even begin working towards. With all the information out there in today’s world, some of which is very conflicting, it can be very hard to determine the “perfect route” to take. That is the thing though, trying to create a flawless routine is going to lead to trying many different extreme strategies that may not ‘fit’ into our lives, thus making it very hard to establish discipline. The key to creating a solid foundation of discipline is to make small changes in our lifestyle that we know will be sustainable. If it takes roughly 21-days for something to become a habit, all we need to do is act consistently on a very simple task for the course of that duration, and we can begin to build something very valuable. This is basically the brick & mortar process to set that foundation for building discipline. An example of a small task that can lead to a healthier lifestyle is finding a mode of exercise that you enjoy. This can be as simple as going for a walk through your neighborhood, swimming with your kids at the local pool, or going for a bike-ride. It doesn’t always have to be hitting a high-intensity workout at the gym. Once you find that mode of physical activity that you enjoy, then you build it into your routine on a regular basis. The more you do, the more you begin to enjoy the “doing.” This is where the discipline really solidifies. Eventually, you may start dabbling in other forms of exercise (weightlifting, group classes, yoga, etc), because of all the positive returns that you see and feel from that initial step you made. It’s a beautiful cycle.

Lessons From Research

Baumeister’s Strength Model of Self-Control gives us a great way to understand the connection between staying consistent with exercise and being disciplined with money. His research shows that self-control works like a muscle—the more you use it, the stronger it gets. When you stick to a workout routine, you’re not just building physical strength, you’re training your ability to delay gratification and stay committed to long-term goals. That same discipline makes it easier to make smart financial decisions, like saving for retirement. The cool part? Building willpower in one area of life naturally spills over into others, proving that self-control isn’t just something you’re born with—it’s a skill you can develop and use to create lasting success.

Practical Tips to Cultivate Habits in both Domains

Just like tracking your finances, monitoring your body’s progress is key. Big goals are great, but success often comes from setting manageable benchmarks. For example, rather than jumping straight to 10,000 steps a day, start by adding 2,000–3,000 steps daily—about a 30-minute walk. Over a few weeks, gradually increase your activity. Small choices, like taking the stairs or parking farther away, add up and make movement a natural part of your lifestyle. A step-counter is just one way to track progress. Many apps can help monitor food intake, strength training, running, and more. Find a metric that works for you—it will keep you motivated and push you toward greater achievements. Like gradually increasing your step count, building financial stability starts with small, manageable steps—like creating a basic budget and contributing to your employer-sponsored retirement plan. As you progress and push your limits, consider fine-tuning your approach by analyzing your diet and seeking expert guidance. Whether in fitness or finance, a professional’s perspective can help you optimize your strategy, avoid costly mistakes, and accelerate your progress. Tracking and refining both your physical and financial habits will keep you on a sustainable path toward long-term success.

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References:

https://www.researchgate.net/publication/228079571_The_Strength_Model_ of_Self-Control

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Fiduciary Financial Advisors, LLC is a registered investment adviser and does not give legal or tax advice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. The information contained herein has been obtained from a third party source which is believed to be reliable but is subject to correction for error. Investments involve risk and are not guaranteed. Past performance is not a guarantee or representation of future results.

Financial Love Languages: A Couple’s Guide to Building Wealth Together

For many couples, financial conversations can be a source of tension. Working with clients, I’ve noticed that often this tension stems from a misunderstanding of each other's natural tendencies and values. Sometimes it's difficult to understand and identify our own deep-seeded values - doesn’t everyone just think like I do?!

Understanding each other’s "financial love language" can transform these discussions into opportunities to strengthen your relationship and work toward shared goals. Clarity is kindness!

What Are Financial Love Languages?

The concept of financial love languages adapts the idea of love languages—how people give and receive love—to the world of money. Everyone has a unique relationship with money shaped by their upbringing, experiences, and values. Recognizing your partner’s financial love language can help you navigate differences in spending, saving, investing, and planning habits.

Here are five common financial love languages:

1. The Saver

• Core Traits: Loves building a financial safety net and prioritizes long-term security over immediate gratification.

• How They Operate: Savers often prefer maintaining a robust emergency fund (at least six months of living expenses) and shy away from unnecessary risks.

• How to Support Them: Celebrate their commitment to stability and work together to define clear savings goals, such as retirement planning or purchasing a home.

2. The Spender

• Core Traits: Enjoys treating themselves and others, valuing experiences, travel, or material comforts.

• How They Operate: Spenders might allocate a specific portion of their budget for indulgences, such as a travel fund or a splurge account.

• How to Support Them: Encourage their zest for life by creating a financial plan that accommodates flexible spending while ensuring long-term goals are still prioritized. A bucket strategy can work wonders here!

3. The Investor

• Core Traits: Focuses on growing wealth through calculated risks and strategic decisions.

• How They Operate: Investors thrive on understanding the details of holdings and might allocate a small portion of their portfolio to speculative opportunities.

• How to Support Them: Engage with their enthusiasm by discussing investment strategies and aligning their goals with the broader financial plan. Having a hobby/play account for speculative investments can be a great solution to keep the financial plan on track.

4. The Planner

• Core Traits: Thrives on structure, setting budgets, and meticulously tracking financial goals.

• How They Operate: Planners love detailed financial plans and tracking progress through spreadsheets or planning software.

• How to Support Them: Provide the nitty gritty details of the cashflow plan and retirement projections. Collaborate with your advisor on creating a detailed financial roadmap and schedule regular check-ins to review progress and pivot as needed.

5. The Giver

• Core Traits: Finds joy in sharing resources through gifting or charitable contributions.

• How They Operate: Givers prioritize supporting loved ones or charitable causes. Working with a great advisor allows for maximum tax-efficiency, making your dollar as generous as possible.

How to Support Them: Work together to incorporate charitable giving into the financial plan, ensuring it aligns with other priorities like savings and investments. Charitable planning is a proactive process that should be woven into the financial plan all year long.

Building a Financial Partnership

Identifying your financial love languages can give you a great starting point to understand deeply held values within one another. Pinpointing your money motivators helps align your approaches and build a stronger financial foundation together. 

Having different financial motivations doesn’t mean you can’t create a cohesive plan. With proactive planning and open communication building and sticking to a financial plan can bring a lot of joy to your life!

Money doesn’t have to be a source of stress in your relationship. Instead, it can become a way to deepen your connection and work toward shared dreams. This Valentine’s Day enjoy a heartfelt conversation about your financial future. After all, what’s more romantic than building a life and accomplishing goals together?

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Fiduciary Financial Advisors, LLC is a registered investment adviser and does not give legal or tax advice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. The information contained herein has been obtained from a third-party source which is believed to be reliable but is subject to correction for error. Investments involve risk and are not guaranteed. Past performance is not a guarantee or representation of future results.

Fiduciary Financial Advisors does not give legal or tax advice. The information contained does not constitute a solicitation or offer to buy or sell any security and does not purport to be a complete statement of all material facts relating to the strategies and services mentioned.

Featured In: ApartmentGuide

Kristiana Daniels, CFP®, EA, BFA™ was named an expert in an ApartmentGuide article, a subsidiary of Redfin. Check out the featured article: Tips for Couples Cohabitating for the First Time | ApartmentGuide.com

Fiduciary Financial Advisors, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.

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Financial Planning Feature: Wealth Think Wisdom, vision, wealth: How parents can instill enduring financial habits

Kristiana Daniels, CFP®, EA, BFA™ had the privilege of being featured in Financial Planning, where she shares insights on the importance of instilling enduring financial habits in the next generation.

Kristiana emphasizes the need for proactive and intentional thought behind how we incorporate our children and our client’s children in building solid foundations and generational wealth.

Fiduciary Financial Advisors, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.

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2024 End of Year Financial Checklist

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Completing an end-of-year financial checklist is essential for setting yourself up for success in 2025. This process will allow you to review your progress and goals from 2024 while also helping you refresh and enhance your financial plan as you head into the new year.

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Cash Flow Review

Whether you like to budget or not, assessing your spending habits is the essential first step. All financial progress stems from spending less than you make. If you consistently budget, this is the time to figure out what worked well and what needs to be changed. Think about these questions as you forecast for next year.

• How will household income change in 2025?

• What significant expenses am I anticipating in the coming year that I can plan for?

• Am I saving and investing enough of my income?

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Prepare for Tax Season

Much of your tax planning will have to wait until next year, but getting a few items in order can be helpful before tax season. You can collect business expenses, charitable giving receipts, childcare expenses, and other tax-deductible items.

The final piece of preparation for tax season would be to decide how you plan to prepare your taxes. You could do it yourself or hire it out. There is no wrong way to go about it, but now is the time to reach out and find a good CPA that you can work with to optimize your tax situation.

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Max Out Your Contributions

The end of the year is the perfect time to review your annual contributions to your retirement accounts. In 2024, employer-sponsored plans such as 401(k), 403(b), or 457 allow you to contribute up to $23,000. It's important to note that this amount does not include any employer match. If you are 50 years old or older, you are eligible for a "catch-up" contribution, allowing for an extra $7,500 of contributions. This raises your total maximum contribution to $30,500 for the year.

The contribution limit for individual retirement accounts (IRAs) in 2024 is $7,000, with a $1,000 catch-up contribution available for those 50 or older.

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Review Your Investments

If you have a financial advisor, they should have scheduled a year-end planning meeting by now. 

If you manage your investments independently, this is an excellent time to review your strategy, assess your performance, and rebalance your portfolio. If you feel it's time to seek professional help, consider finding a fiduciary advisor who prioritizes your best interests.

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Consider a Roth Conversion

Roth conversions involve transferring pre-tax dollars into a Roth account, which will then grow tax-free. This approach can be great for someone nearing retirement with much of their wealth in pre-tax accounts. It can also benefit young professionals with plenty of time for the investment to grow. However, this only makes sense for some, so consult a financial professional to weigh the pros and cons of this option.

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Open Enrollment

Open enrollment occurs at different times of the year and is dictated by your employer. It is most commonly presented around early November and allows you to review or change employee benefits options. 

This is an excellent time to ensure you get the best insurance plan value. You and your spouse may even qualify for additional plans, such as term life insurance or disability coverage, at little to no cost.

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Confirm Beneficiaries

While this does not change often, it is necessary to ensure that it is up to date. Here are some accounts that should have a beneficiary associated with them. 

• Retirement/Investment Accounts (401k, 403b, 457, and IRAs)

• Bank Accounts

• Life Insurance Policies

Properly assigning beneficiaries can help you have peace of mind that your loved ones will be cared for. 

This checklist can help you clearly assess your financial situation and prepare for success in 2025.

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References

https://www.irs.gov/newsroom/401k-limit-increases-to-23000-for-2024-ira-limit-rises-to-7000

Fiduciary Financial Advisors, LLC is a registered investment adviser and does not give legal or tax advice. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. The information contained herein has been obtained from a third-party source which is believed to be reliable but is subject to correction for error. Investments involve risk and are not guaranteed. Past performance is not a guarantee or representation of future results.

Financial Goal Setting: 5 Simple Steps for Success

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I want to make my case for why goal setting matters for your financial picture. A study by Gail Matthews at Dominican University showed the benefits of goal setting, specifically the advantages of having written goals with accountability. Feel free to check out the study yourself, but she found that having written goals gave people a 33% higher chance of success compared to those with unwritten goals. Here are 5 steps to help guide you through your financial goal-setting and give you more confidence in your financial plan.

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Step 1: Define Specific Goals

I got my bachelor’s degree in exercise science, and in my program, every class emphasized goal setting. Whether discussing exercise and nutrition or personal finance, achieving a goal must be done with strategy in mind. The strategy I find the most effective in goal setting is called SMART goals. SMART stands for specific, measurable, attainable, relevant, and time-bound. By being specific, you can track progress and know when you’ve achieved your goals. For example, “I am going to invest 5% of my monthly income into a Roth IRA for the next year”.

• Specific: Investing into a Roth IRA

• Measurable: 5% of monthly income

• Attainable: 5% is a manageable contribution

• Relevant: Relevant for someone starting to invest

• Time-bound: The next year

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Step 2: Prioritize Your Goals

The reality is we can’t focus on a bunch of goals at one time. When we try to accomplish too many goals at once, they all suffer, hurting our chance of accomplishing the most important ones. I recommend prioritizing your list of SMART goals down to your top 3. This could be due to urgency or importance. Examples include creating a budget or maxing out your IRA contribution for the year. Jot down all the goals, but don’t set the expectation that you can do them all at once.

If your goal seems too big, break it down into a few smaller goals that will help you see the progress quicker. For example, break down a goal to pay off all debt into paying off credit card debt first, then student loans, and then car loans. This way, you break down a goal that would take 3 years, allowing you to check off one goal each year, making it more manageable.

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Step 3: Create A Plan and Track Progress

Now that you’ve established your SMART goals and broken them down by priority, the rubber can hit the road. There are multiple ways in which this can be done well, so find what works for you and stick with it. Research shows that written goals with accountability give you the highest chance for success. Whether you write your goals in a journal, your phone notes, or an app, the important part is that you do it.

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Step 4: Use Goals to Cultivate Consistency

This point could be summed up if you read the book “Atomic Habits” by James Clear. If you’re interested, I can’t recommend that book enough. Clear makes the point that small habits that are successfully implemented over time lead to major changes. Essentially, it is easier to make three small changes than to make one major change. This is where accountability comes into play. 

If you’re married, you have a built-in accountability partner. One that will likely share the same goals as you. If you’re single, find a trusted friend or family member who can help keep you on track with your goals over time. The beauty of financial goals is that these individual goals often turn into habits that can be automated. In my earlier example of putting 5% of your monthly income into a Roth IRA, by doing this, you build a habit that can be repeated year on year with minimal effort.

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Step 5: Learn from Setbacks and Adjust

News Flash: Setbacks will happen for everyone. Nobody is perfectly consistent, and a lack of consistency will lead to setbacks. I don’t say this to discourage you, but hopefully to encourage you. A setback does not equal failure when it comes to goal setting. By readjusting instead of giving up, you give yourself a chance to still be successful. Your financial life is a constantly changing picture, and your goals should be no different. Having goals in place, even after adjusting for unforeseen circumstances, will still put you in a better position than if you had never set the goals to begin with.

Goal setting is an incredibly important way to implement changes to your financial picture. It is how you intentionally go from getting out of debt to saving for retirement and having a bulletproof retirement plan. The beauty of goal setting is that it benefits everyone from the 18-year-old college student to the 72-year-old retiree and everyone in between. Use these steps to sit down and see the benefits for yourself.

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References

https://www.dominican.edu/sites/default/files/2020-02/gailmatthews-harvard-goals-researchsummary.pdf

https://success.oregonstate.edu/learning/smart-goals#:~:text=In%20general%2C%20SMART%20goals%20are,able%20to%20celebrate%20your%20accomplishment.

Fiduciary Financial Advisors, LLC is a registered investment adviser and does not give legal or tax advice. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. The information contained herein has been obtained from a third-party source which is believed to be reliable but is subject to correction for error. Investments involve risk and are not guaranteed. Past performance is not a guarantee or representation of future results.

Next Avenue Feature: Degrees of Difficulty

Ben Lex was recently featured in a Next Avenue article titled “Degrees of Difficulty.”

In it, he discusses smart financial strategies for approaching a spouse returning to school. Check out Ben’s insights—they’re great tips for navigating your financial life with advanced education.

Financial Planning Feature: Back-to-school is a reminder for financial advisors to review clients' educational savings goals

Andrew Van Alstyne had the privilege to be featured in Financial Planning, where he shares insights on the importance of revisiting educational savings strategies during the back-to-school season.

Andrew emphasizes the need for financial advisors to help clients stay on track with their educational savings goals by regularly reviewing and adjusting their college savings plans.

Fiduciary Financial Advisors, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.

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Couples Synergy Podcast: Money Matters for Couples

Andrew Van Alstyne had the privilege to be featured on the
Couples Synergy Podcast with Dr. Ray & Jean Kadkhodaian.

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Andrew recently joined Dr. Ray and Jean Kadkhodaian on the Couples Synergy Podcast for episode 321, "Money Matters for Couples." In this conversation, they explore the complexities couples face when managing finances together, highlighting the significance of open communication and mutual understanding. The episode offers practical advice on aligning financial goals and emphasizes the importance of collaboration in building a secure financial future together. Discover how adopting these strategies can strengthen relationships and set the stage for long-term financial stability.

Click the Links Below to Watch or Listen to the Full Episode:

Fiduciary Financial Advisors, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.

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Fox Business Feature: Financial experts reveal how Americans can prepare for the possibility of a recession→

Andrew Van Alstyne had the privilege to be featured in Fox Business to talk to readers about best practices in preparing for times of economic uncertainty.

Andrew discusses the importance of a fully funded emergency fund along with addressing liquidity concerns in volitile times.

Fiduciary Financial Advisors, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.

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Beyond The Paycheck Podcast with Paula Christine: Transforming Life Through Financial Literacy

Andrew Van Alstyne had the privilege to be featured on the
Beyond The Paycheck Podcast with Paula Christine.

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Andrew recently had the opportunity to join Paula Christine on the Beyond The Paycheck Podcast. In this episode, they discuss the everyday challenges many face when stepping into adulthood and the common hesitation parents experience in teaching financial principles to their children. Discover the importance of early financial education and how instilling good money habits in children can pave the way toward a financially secure and fulfilling future

Click the Links Below to Watch or Listen to the Full Episode:

Fiduciary Financial Advisors, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.

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Financial Freedom Podcast with Dr. Christopher Loo: Mastering Generational Wealth

Andrew Van Alstyne had the privilege to be featured on the
Financial Freedom Podcast with Dr. Christopher Loo.

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Andrew recently had the opportunity to join Dr. Christopher Loo on the Financial Freedom Podcast. In this episode, they explore the crucial topic of generational wealth and how to effectively manage and transfer wealth across generations.

Click the Links Below to Watch or Listen to the Full Episode:

Fiduciary Financial Advisors, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.

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