The Retirement Fiduciary Podcast Podcast Por Adam D. Koós CFP® CMT® CEPA arte de portada

The Retirement Fiduciary Podcast

The Retirement Fiduciary Podcast

De: Adam D. Koós CFP® CMT® CEPA
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Welcome to The Retirement Fiduciary Podcast! Your classroom for no BS financial education. A place where we have authentic discussions about retirement planning, investment management, tax reduction strategies, insurance, estate planning, and more. Thanks for listening & please be sure to SUBSCRIBE! Hosted by Adam Koos, CFP®, CMT® of Libertas Wealth.All rights reserved Economía Finanzas Personales
Episodios
  • The Truth About ESOPs: Liquidity, Taxes, and Company Culture with Kelly Finnell

    The Truth About ESOPs: Liquidity, Taxes, and Company Culture with Kelly Finnell
    Feb 3 2026
    Employee Stock Ownership Plans (ESOPs) are often talked about—but rarely understood. For many business owners, they represent one of the most powerful (and misunderstood) succession and liquidity strategies available today. In this episode, Adam sits down with Kelly Finnell, one of the nation's foremost ESOP experts, to break down how ESOPs really work, why they offer unique tax advantages, and when they may outperform traditional exits like private equity or third-party sales. Whether you're a business owner thinking about succession—or an advisor guiding clients through exit planning—this conversation delivers clarity without the jargon. Episode Timestamps 00:00 – Introduction to ESOPs and Kelly Finnell's background 02:00 – What an ESOP is (and why it's both a succession strategy and a retirement plan) 05:00 – How ESOPs create liquidity and operate tax-free 07:30 – The biggest benefits of ESOPs for employees 09:00 – Owner tax advantages, including Section 1042 deferral 11:00 – Who is a good candidate for an ESOP? (financial + cultural fit) 14:30 – ESOPs vs. private equity and strategic buyers 17:00 – Common myths and misconceptions about ESOPs 19:30 – Why ESOPs are growing rapidly right now 22:00 – "Compassionate capitalism" and preserving company legacy 25:00 – Final advice for business owners and advisors considering ESOPs Key Takeaways 💡 ESOPs function as both a business exit strategy for owners and a retirement benefit for employees 💡 100% ESOP-owned S-corps can operate completely tax-free, creating a powerful competitive advantage 💡 ESOPs often pay as much or more than financial buyers, without sacrificing company culture or legacy Key Quotes 🗣 "An ESOP is not a loophole—it's been part of the tax code for decades." 🗣 "A compassionate capitalist wants to do well for their family while also doing well for others." 🗣 "The biggest misconception about ESOPs is that owners have to accept a lower price. That's simply not true." Connect With the Guest Kelly Finnell Website: https://execfin.com/ Kelly's Personal LinkedIn: https://www.linkedin.com/in/esopcoach/ EFS LinkedIn Page: https://www.linkedin.com/company/efsesopconsultants/ Follow and Connect with Libertas Wealth Management Facebook: https://facebook.com/libertaswealth Instagram: https://www.instagram.com/libertas.wealth Threads: https://www.threads.com/@libertas.wealth LinkedIn: https://www.linkedin.com/company/libertas-wealth Twitter (X): https://x.com/LibertasWM TikTok: https://www.tiktok.com/@libertaswealthmanagement YouTube: https://www.youtube.com/@libertaswealth Podcast YouTube Playlist: https://www.youtube.com/playlist?list=PLhkYzW1XyJA0Ef_Hf7nUCMGLSlmfHt43v Spotify: https://open.spotify.com/show/29Jrqu0MV1VrpRGqgm6seV Apple Podcasts: https://podcasts.apple.com/us/podcast/the-retirement-fiduciary-podcast/id1029927148 Email: info@libertaswealth.com Website: www.libertaswealth.com Phone: 614-543-1350 Connect with Adam Koós LinkedIn: https://www.linkedin.com/in/adamkoos
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    29 m
  • Following Market Trends Without Letting Emotions Take Over with Sharad Mehta

    Following Market Trends Without Letting Emotions Take Over with Sharad Mehta
    Jan 20 2026

    In this episode of The Retirement Fiduciary, we're sharing a conversation where Adam Koós was featured as a guest on another podcast. The discussion focuses on how disciplined, data-driven investing helps investors navigate changing markets—without falling into the trap of emotional decision-making.

    Adam explains how following market trends doesn't mean predicting the future or reacting to headlines. Instead, it's about using objective signals, rules-based processes, and technical insights to stay aligned with long-term goals while managing risk through different market environments.

    Episode Timestamps:

    00:00 – Introduction & context for the conversation
    04:15 – Why emotions are one of the biggest risks to investors
    09:30 – What it really means to follow market trends
    15:10 – Using technical signals without predicting outcomes
    21:20 – How disciplined processes help during volatility
    28:50 – Final thoughts on staying objective and consistent

    Key Takeaways:

    💡 Following market trends is about discipline and process—not prediction
    💡 Emotional reactions often do more harm than market downturns themselves
    💡 A rules-based approach helps investors stay aligned through changing cycles

    Key Quotes:

    🗣 "The goal isn't to predict the market—it's to respond to what the data is telling you."
    🗣 "When emotions drive decisions, discipline usually disappears."

    Connect With the Adam

    LinkedIn: https://www.linkedin.com/in/adamkoos

    Follow and Connect with Libertas Wealth Management:

    Facebook: https://facebook.com/libertaswealth
    Instagram: https://www.instagram.com/libertas.wealth
    Threads: https://www.threads.com/@libertas.wealth
    LinkedIn: https://www.linkedin.com/company/libertas-wealth
    Twitter: https://x.com/LibertasWM
    TikTok: https://www.tiktok.com/@libertaswealthmanagement
    YouTube: https://www.youtube.com/@libertaswealth
    Podcast YouTube Playlist: https://www.youtube.com/playlist?list=PLhkYzW1XyJA0Ef_Hf7nUCMGLSlmfHt43v
    Spotify: https://open.spotify.com/show/29Jrqu0MV1VrpRGqgm6seV
    Apple Podcasts: https://podcasts.apple.com/us/podcast/the-retirement-fiduciary-podcast/id1029927148
    Email: info@libertaswealth.com
    Website: www.libertaswealth.com
    Phone: 614-543-1350
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    35 m
  • Travel Rewards 101: How to Turn Everyday Spending Into Luxury Vacations (Without Overspending)

    Travel Rewards 101: How to Turn Everyday Spending Into Luxury Vacations (Without Overspending)
    Dec 11 2025
    Most people think travel rewards are confusing, time-consuming, or only useful for frequent fliers. But in reality, when you understand how to earn and redeem points strategically, you can turn your normal everyday spending into deeply discounted travel — even at luxury hotels charging $1,500+ a night. In this episode, Adam sits down with Colin Stroud, founder of Go Somewhere, who has built one of the fastest-growing travel-rewards education platforms on LinkedIn. Colin breaks down how retirees, families, and business owners can use points more intentionally, avoid common mistakes, and unlock outsized value — whether you're looking for a simple getaway or a bucket-list luxury vacation. Episode Timestamps: 00:00 – Intro & topic overview 03:00 – Colin's story: From insurance job to building a travel-rewards business 06:00 – Why flexible points (Chase, Amex, Capital One) beat airline & hotel cards 09:00 – The two ways to "win" with points: Earning and redeeming 12:00 – How transfer partners unlock 4–5x more value 15:00 – The $1,500/night Hyatt example that cost only 30k points 17:00 – Biggest mistakes people make with points (and how to avoid them) 20:00 – How retirees on fixed incomes can stretch travel budgets significantly 23:00 – Everyday vs. luxury redemptions: where the real arbitrage is 25:00 – Choosing the right travel card for your specific lifestyle 28:00 – Blackout dates, devaluations & why hoarding points is a bad idea 29:00 – Tools & apps to simplify points: Daily Drop, Point.me, and more 31:00 – Two of Colin's favorite success stories (including a family of 10 flying lie-flat!) 34:00 – Colin's #1 "if you do nothing else" strategy for absolute beginners 36:00 – Closing thoughts & where to learn more Key Takeaways: 💡 Most people earn points efficiently — but redeem them poorly. The real value is in maximizing redemptions.💡 Flexible point currencies (Chase UR, Amex MR, Capital One Miles) are far more powerful than branded hotel/airline cards.💡 Hyatt redemptions often deliver the best dollar-for-point value in the entire travel ecosystem.💡 Even retirees with modest monthly spending can cover one high-value vacation per year using the right strategy.💡 Never hoard points — programs devalue constantly. Earn, then use. Key Quotes: 🗣 "There's two ways to win with points: earning and redeeming. Most people only focus on the earning part." 🗣 "Flexible points open an entire world of options — you're no longer stuck with one airline or hotel program." 🗣 "Even retirees spending six thousand a month can get thousands of dollars in annual travel value." 🗣 "If you only do one thing: earn Chase points and use them for Hyatt. It's the easiest high-value strategy out there." Connect With the Guest – Colin Stroud Website: https://www.gosomewhere.world Email: colin@gosomewhere.world LinkedIn: https://www.linkedin.com/in/gosomewhere/ Free Guide: How to Get 2–10x More Value From Your Pointshttps://gosomewhere.myflodesk.com/guide Follow and Connect with Libertas Wealth Management: Facebook: https://facebook.com/libertaswealth Instagram: https://www.instagram.com/libertas.wealth Threads: https://www.threads.com/@libertas.wealth LinkedIn: https://www.linkedin.com/company/libertas-wealth Twitter: https://x.com/LibertasWM TikTok: https://www.tiktok.com/@libertaswealthmanagement YouTube: https://www.youtube.com/@libertaswealth Email: info@libertaswealth.com Website: www.libertaswealth.com Phone: 614-543-1350 Connect with Adam Koós: LinkedIn: https://www.linkedin.com/in/adamkoos
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    37 m
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