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Episodes

Don’t Let These Media Scare Tactics Throw Off Your Retirement Planning

6/20/2018
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“Is the US Going Broke?” "Social Security's Coming Crisis” "The Economy's High Blood Pressure” "Exploding Federal Debt: Why So Dangerous?” "Joblessness is Here to Stay.” I know I’m not the only one who’s seen headlines like these in my social media and news feeds lately. And as worrisome as these hot takes sound, what’s even more concerning to my team at Keen Wealth is how they can scare investors into making mistakes that can ruin their financial planning. On today’s show, we discuss...

Duration:00:40:28

Keep More Money in Your Pocket by Avoiding These Common Money Mistakes

6/6/2018
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Recently I took an amazing flight with my son, Devin, to St. George, Utah, near the Grand Canyon. Devin is a certified private pilot studying for his instrument rating, so it was a big help to have someone with his skill and knowledge in the copilot seat helping with navigation, communications with air traffic control, and helping to perform crosschecks – all of which make for a safe flight. We cruised above the Rocky Mountains at 17,000 feet, and at that altitude, you have to pay special...

Duration:00:36:10

How to Teach Your Kids (and Grandkids) Good Financial Habits

5/23/2018
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Graduation season always brings to my mind one important subject schools don’t usually cover: financial education. We parents have to take it upon ourselves to teach this important “class” at home. And the younger your kids are when you start these lessons, the more likely they are to take seed and create lasting, positive financial habits. On today’s show, we talk about how to introduce your young children to saving and investing, some important planning tips for young adults just...

Duration:00:27:12

Don’t Fall for These Sneaky Online and Offline Scams

5/2/2018
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2017 was a big year for internet hacks, with WannaCry, Petya, and the Equifax breach causing online headaches for people around the globe. Nothing quite that widespread or dramatic has rocked the internet so far this year, but that doesn’t mean we can all start relaxing about cybersecurity. In fact, some of the scams that are making the rounds right now mix online and offline tricks to try to capture your most important information. I received one in my own home mailbox recently!

Duration:00:38:18

Are You Missing Out If You Don’t Have a Roth IRA?

4/18/2018
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More often than not, the milestones we look back on in the financial services industry are negative in nature: Black Monday in 1987, the dot com bubble burst around 2000, the collapse of Lehman Brothers in 2008, The Great Recession of 2007 – 2009, the Flash Crash of 2010. Even as we remember how these events made life incredibly difficult for a lot of folks in the moment, the economic lessons we learn tend to trend positive: time and time again, our resilient economy and continues its...

Duration:00:30:22

What is the “Fiduciary Standard” and Why Should You Care?

4/4/2018
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The difference between the fiduciary and suitability standards is such a popular topic on “Keen on Retirement” because it’s such an important distinction. If you’ve never worked with a financial professional before, then you need to be crystal clear about the terms of your arrangement, the means by which the professional is compensated, and how committed both parties are to realizing your dream retirement scenario. If you’re still a little fuzzy on fiduciary vs. suitability, I think...

Duration:00:26:18

One Big Retirement Question Leads to One Simple Answer

3/14/2018
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When we open up the mailbag at Keen on Retirement we usually try to answer as many of the thoughtful questions our listeners send us as time allows. But this week is different. On today’s show, we tackle one big retirement question from a listener with a lot on his mind. Retirement is nearing for both him and his wife. Decisions have to be made about portfolio rebalancing, withdrawal rates, and legacy planning. The breadth of issues and wealth of options are intimidating, and worse, this...

Duration:00:54:50

Gearing Up for Tax Time: Answering Listener Tax Questions

2/28/2018
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By the end of February, your financial institutions should have sent you all your relevant tax documents for 2017, like earning statements on your investment accounts, interest earned on savings, etc. If you’re missing anything important, you might want to get in touch with those institutions and make sure the info you need is on its way. This tax season is a bit unique because many people are wondering how the laws passed at the end of last year are going to affect their tax picture and...

Duration:00:30:14

Market Volatility is Back: Time to Panic or Just Normal?

2/14/2018
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The headlines and talking heads painted a very bleak picture last week as the market went through its first significant bout of volatility in two years. But at Keen on Retirement I’m not trying to scare you into clicking on another link or sticking around through the next commercial break. We want to give folks our honest perspective on what’s really going on in the markets and the state of the economy’s fundamentals. So, on today’s show, we take a clear-eyed, long-term look at the recent...

Duration:00:26:00

20 Minutes to Live

1/31/2018
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On January 13th, I was walking through the grocery store with my mother and daughter when I noticed that I’d missed a call from my son, Devin, who was vacationing in Hawaii. I played Devin’s voicemail and listened as he very calmly told me that I didn’t have to worry. The alert of an incoming ballistic missile, headed for Hawaii, had been a false alarm. He was safe, after spending a terrifying 25 minutes huddled in a storm drain with about a dozen other people. This was the first I’d...

Duration:00:59:28

What You Need to Know about the New Tax Bill

1/17/2018
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My team at Keen Wealth has been hard at work pouring over the new tax bill that President Trump signed into law at the end of 2017. There’s much to unpack and a few details that still haven’t settled into place, but I know that my listeners and clients have questions. So while this probably won’t be our only episode this year on what might be the biggest change to the tax code in decades, today we will look at some of the most important changes this bill introduces. Hopefully this...

Duration:00:41:22

Insights from Our 20th Annual Holiday Breakfast (Part 2 - Matt Wilson)

1/3/2018
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We were privileged to have so many clients, family, and friends join us to celebrate our 20th Annual Holiday Breakfast. As is our tradition, we rang in the season with great food, inspiring entertainment, and our Market and Economic Outlook Presentations for 2018. Matt’s presentation, entitled “Focus on the Fundamentals,” gave an outstanding overview of some of the key metrics that drove 2017’s strong markets.

Duration:02:01:00

Insights from Our 20th Annual Holiday Breakfast (Part 1 - Bill Keen)

1/3/2018
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We were privileged to have so many clients, family, and friends join us to celebrate our 20th Annual Holiday Breakfast. As is our tradition, we rang in the season with great food, inspiring entertainment, and our Market and Economic Outlook Presentations for 2018. In my presentation, I gave a brief overview of recent global turbulence as it related to fluctuations within the market.

Duration:00:39:44

What is Bitcoin? Blockchain? Should You Buy Some?

12/20/2017
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At the end of the year the whole internet goes into list-making mode with lists for best movies, best TV shows, best songs, biggest political events and so on. I couldn’t help getting into the spirit a bit myself, so here’s my “Top 3” list of questions that clients and listeners have asked my team at Keen Wealth in 2017: I think we’ve done a good job covering the first two questions in previous episodes this year. So on today’s show, I’m going to cross the final big question of 2017 off...

Duration:00:35:25

What We Learned at the Schwab Impact Conference That Could Affect Your Financial Planning

11/29/2017
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Last week the Keen Wealth leadership team took a trip to Chicago for the Charles Schwab IMPACT® Conference. One of the biggest gatherings in the financial services industry, it is designed to educate attendees on new technologies, trends, and navigating hot-button issues. There were dozens of sessions, hundreds of vendors, and vast opportunities to learn. And Schwab put together an incredible lineup of speakers this year: former UK Prime Minister David Cameron, Washington insider (and...

Duration:00:33:33

Looking Back on “Black Monday” for Answers to Key Retirement Questions

11/15/2017
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2017 just hasn’t gotten any easier, has it? After ten months of natural disasters, internet hacks, political tumult, and celebrity scandal, I know I’m not the only one looking forward to the start of the holiday season for some much-needed light at the end of the tunnel. Hard as it’s been sometimes this year, my team at Keen Wealth always keeps its eyes on the big picture when we’re managing our clients’ money. And just last month, many of us in the financial industry were looking back at...

Duration:00:31:23

Controlling the Controllable: Planning Your Retirement Spending

11/1/2017
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I believe that your retirement equation breaks down into three parts: things that you have total control over (such as how much you save and where you put those savings and investments); things you have some control over (how long you work); and things that you have no control over (short-term market returns, government policy). Your retirement spending is a big focal point when we’re working with our clients at Keen Wealth. This process may initially feel restrictive at times, but...

Duration:00:30:10

4 Important Cybersecurity Lessons to Protect Your Info—And Your Money

10/18/2017
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It happened again! The recent breach at Equifax is the third major cybersecurity disaster of 2017. WannaCry and Petya round out the “big three” that have gained widespread media attention. On top of that, earlier this month we found out that the Yahoo breach from 2013 was far worse than the company thought – 3 BILLION users had their accounts compromised! Over the summer I wrote a blog about how these kinds of hacks and scams are becoming more common, and way more sophisticated. But...

Duration:00:32:21

Disaster Strikes! Use This 3-Step Disaster Prep Plan to Minimize the Pain

9/27/2017
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Maybe the scariest thing about the 2017 hurricane season is that it’s not over yet. It’s hard to imagine dealing with anything more destructive than Harvey, Irma, and Maria this year, but historically, some of the strongest storms have hit the U.S. in October and November. And add in the devastation from the recent large-scale earthquakes, it’s clear that the strain Mother Nature has put on our disaster prep and response services will continue for some time. In life, as in finance, the...

Duration:00:31:44

Don’t Let These 3 Big Retirement Questions Derail Your Golden Years

9/13/2017
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Your vacation is over, your kids are back in school … Time to pack up your swimsuit and eclipse glasses and get back to working on that nest egg! Fall always seems to spark a renewed sense of focus in my clients at Keen Wealth, so for today’s show, we thought it would be a good time to answer three big retirement questions from our listeners. 2017 continues to be a rough-and-tumble year, and when we’re talking about your money, it’s always a good idea to cut through the chatter on the...

Duration:00:54:56