Foster & Motley : A Podcast About Wealth & Life

In this episode, Foster & Motley team members reflect on the best financial decisions they’ve ever made and how, in many cases, that led them to Foster & Motley. From early lessons in discipline and risk-taking to career pivots and personal milestones, each story highlights the deep connection between financial decisions and life outcomes.Our guests are Elizabeth M. Green, CFA, Investment Manager and Shareholder; David J. Nienaber, MBA, CPA, CFP®, Financial Planner and Shareholder; Thomas J. Guidi, CFA, Investment Manager, Co-Chief Investment Officer and Shareholder; Zachary T. Horn, MBA, CFP®, CMFC®, Managing Partner/President, Investment Manager and Shareholder; Rachel A. Rasmussen, MBA, CFA, CDFA®, Investment Manager and Shareholder; and Zach T. Binzer, CFP®, Financial Planner and Shareholder. Each shares personal insights that have shaped their journeys.Key Takeaways:(00:44) The impact of learning smart money habits early.(02:26) How career paths are often shaped by personal relationships.(03:40) The long-term benefits of taking calculated financial risks.(07:40) The value of aligning financial decisions with family priorities.(09:11) The financial advantages of building a life with a partner.(10:17) How investing in education can create career momentum.(14:31) The role of mentorship and support in professional growth.(17:31) The importance of seeking fulfillment alongside financial goals.(19:35) How past experience can support a successful career transition.Resources Mentioned:Foster & Motley, Inc. | Websitehttps://www.fosterandmotley.com/Chartered Financial Analyst (CFA) Programhttps://www.cfainstitute.org/programs/cfa-programXavier University MBA Programhttps://www.xavier.edu/master-of-business-administration/Certified Financial Planner (CFP) Designationhttps://www.cfp.net/get-certified/certification-processUniversity of Dayton MBA Programhttps://udayton.edu/business/Connect with Elizabeth Green, David Nienaber, Thomas Guidi, Zachary Horn, Rachel Rasmussen and Zach Binzer:[email protected]+1 513-561-6640Foster & Motleyhttps://www.fosterandmotley.com/LinkedIn: Elizabeth Greenhttps://www.linkedin.com/in/elizabeth-m-green-cfa/LinkedIn: David Nienaberhttps://www.linkedin.com/in/dnienaber/LinkedIn: Thomas Guidihttps://www.linkedin.com/in/thomas-guidi-cfa-21830952/LinkedIn: Zachary Hornhttps://www.linkedin.com/in/zachhorn/LinkedIn: Rachel Rasmussenhttps://www.linkedin.com/in/rachel-rasmussen-cfa-cdfa/LinkedIn: Zach Binzerhttps://www.linkedin.com/in/zach-t-binzer-cfp/LinkedIn: Foster & Motley, Inc.https://www.linkedin.com/company/fosterandmotley/#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

Thomas J. Guidi, CFA, Investment Manager, Co-Chief Investment Officer and Shareholder at Foster & Motley, Inc., explains the misunderstood role of cash in financial planning. He outlines how to approach liquidity needs, make the most of different cash vehicles and avoid common pitfalls when managing excess cash. Thomas also explores how advisors can help individuals match their cash strategy with both immediate and future needs, ensuring that every dollar has a purpose.Key Takeaways:(01:31) Maintaining a buffer for expected and unexpected expenses is important.(03:22) Excess cash holdings may limit potential long-term growth.(04:37) Understanding liquidity needs helps determine appropriate financial tools.(06:26) Some cash vehicles may offer higher returns than others.(06:55) Matching the timing of future expenses with investment maturity can be beneficial.(07:41) Risk levels and protections vary across different cash management options.(08:48) Financial professionals can provide guidance in choosing between available options.Resources Mentioned:Foster & Motley, Inc.| Websitehttps://www.fosterandmotley.com/Connect with Thomas Guidi:[email protected]+1 513-561-6640Foster & Motley, Inc.LinkedIn: Thomas J. Guidi, CFAhttps://www.linkedin.com/in/thomas-guidi-cfa-21830952/LinkedIn: Foster & Motley, Inc.https://www.linkedin.com/company/fosterandmotley/#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

In this episode, we’re joined by Rachel Rasmussen, MBA, CFA, CDFA®, Investment Manager and Shareholder, and Joe Patterson, CFP®, Financial Planner and Shareholder, both at Foster & Motley, Inc. Together, they navigate the financial and emotional complexities that follow the death of a spouse, offering a compassionate and pragmatic look at planning for one of life’s most difficult transitions.Rachel and Joe outline the importance of preparing in advance. They walk through the steps survivors must take in the immediate aftermath of a loss. From accessing cash and organizing documents to managing ongoing bills and updating estate plans, they explain how thoughtful planning and the right support system can make a significant difference during a deeply emotional time.Key Takeaways:(01:08) Take time before making major financial decisions.(02:37) Rely on a support network of professionals and loved ones.(05:35) Prepare necessary documents to facilitate transitions.(08:28) Ensure continuity of income through proper coordination.(11:54) Keep an organized overview of financial assets.(15:06) Set up account access in advance to avoid complications.(19:49) Safeguard and share digital access information appropriately.(20:54) Communicate the location of key legal documents.(26:48) Reevaluate financial plans and goals as circumstances change.Resources Mentioned:Foster & Motley, Inc. | Websitehttps://www.fosterandmotley.com/Connect with Joe Patterson and Rachel Rasmussen:[email protected]+1 513-561-6640Foster & Motleyhttps://www.fosterandmotley.com/LinkedIn: Joe Pattersonhttps://www.linkedin.com/in/josephapatterson/LinkedIn: Rachel Rasmussenhttps://www.linkedin.com/in/rachel-rasmussen-cfa-cdfa/LinkedIn: Foster & Motley, Inc.https://www.linkedin.com/company/fosterandmotley/#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

In this episode, we hear from Foster & Motley, Inc.’s Luke Hail, MBA, CFP®, Financial Planner and Shareholder, and Zach Horn, MBA, CFP®, CMFC®, Managing Partner, Investment Manager and Shareholder. They discuss how money mindsets, shaped by upbringing, experience, and environment, affect financial decisions. Drawing on years of advising high-net-worth clients, they highlight how understanding these mindsets can help individuals and couples make aligned choices, avoid unnecessary friction, and gain peace of mind through thoughtful planning.Key Takeaways:(01:16) A money mindset forms early and drives financial behavior.(04:34) Differing mindsets can create tension in relationships.(09:07) Emotions can impact financial decisions.(10:47) Advisors help clients navigate financial pressure.(13:30) Clear planning builds confidence to spend or give.(16:58) Giving during life can be more meaningful than waiting.(21:01) Diversification supports long-term stability.(22:42) Reducing stress improves financial resilience.Resources Mentioned:Foster & Motley, Inc. | Websitehttps://www.fosterandmotley.com/Connect with Luke Hail and Zach Horn:[email protected]+1 513-561-6640Foster & MotleyLinkedIn: Luke Hailhttps://www.linkedin.com/in/luke-hail-cfp%C2%AE-b606679/LinkedIn: Zach Hornhttps://www.linkedin.com/in/zachhorn/LinkedIn: Foster & Motley, Inc.https://www.linkedin.com/company/fosterandmotley/#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast

In this episode, we’re joined by David Nienaber, MBA, CPA, CFP® and Joe Patterson, CFP®, both Financial Planners and Shareholders at Foster & Motley, Inc.. Together, they discuss the importance of estate planning, especially when helping aging parents navigate their financial affairs.They share their experiences working with clients and families and shed light on the generational challenges and misinformation that can create unnecessary stress during already difficult times. David and Joe outline practical steps to simplify financial matters, foster open communication, and avoid costly mistakes during estate settlement.Key Takeaways:(02:20) Creating a clear picture of assets is essential.(03:42) Proper documentation helps reduce stress for loved ones.(06:04) Misinformation often delays important financial conversations.(07:04) Legal and financial rules vary significantly by location.(10:17) Many people are unaware of their roles in estate plans.(13:50) Generational experiences shape views on money and planning.(17:24) Maintenance tasks are vital after setting up an estate plan.(21:00) Having open discussions can help prevent future confusion.(25:59) Easy access to digital and financial information is crucial.Resources Mentioned:Foster & Motley, Inc. | Websitehttps://www.fosterandmotley.com/Foster & Motley Family Letter Templatehttps://www.fosterandmotley.com/insights/2019/10/25/a-practical-addition-to-your-estate-planConnect with Joe Patterson and David Nienaber:[email protected]+1 513-561-6640Foster & Motleyhttps://www.fosterandmotley.com/LinkedIn: Joe Pattersonhttps://www.linkedin.com/in/josephapatterson/LinkedIn: David Nienaberhttps://www.linkedin.com/in/dnienaber/LinkedIn: Foster & Motley, Inc.https://www.linkedin.com/company/fosterandmotley/#WealthManagement #FinancialPlanning #InvestmentAdvisory #WealthManagementPodcast