Couverture de The Retirement Fiduciary Podcast

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 Economie Finances privées
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  • What Your Dad Got Wrong About Money (and What You Should Do Instead)

    What Your Dad Got Wrong About Money (and What You Should Do Instead)
    Jun 16 2026

    Happy Father's Day!

    Adam walks through the money lessons a lot of us picked up from our dads and grandfathers. The advice came from a good place and from real experience. The trouble is that the world they lived in looked almost nothing like the one we are retiring into now. Pensions are mostly gone, people are living longer, healthcare costs keep climbing, and the tax code is more complicated than it has ever been.

    Adam goes through the old rules one at a time. Cash is king. All debt is bad. Never touch the principal. Social Security has you covered. The stock market is a casino. He explains what still holds up, what quietly works against you today, and where a fiduciary actually earns their keep. There is plenty here for everyday savers and a few good reminders for advisors too. It is a warm, honest conversation, and a pretty fitting tribute to Dad.

    Episode Timestamps

    00:00 – Why following outdated money advice can quietly cost you

    01:00 – Father's Day setup and how Dad's financial era was different

    02:00 – "Cash is king" and the hidden cost of inflation

    02:40 – Why hating all debt can work against you

    03:30 – "Never touch the principal" and modern income planning

    04:30 – What Social Security was really designed to do

    05:30 – The market scar that became a family money philosophy

    06:30 – Why retirement doesn't reward improvising

    07:30 – Honoring Dad by getting your own house in order

    Key Takeaways

    💡 Playing it too safe has its own risk. Cash feels secure, but inflation can quietly cut its buying power over a long retirement.

    💡 Hating debt is not the same as being smart about it. A low-rate mortgage may be worth keeping if your money can do more elsewhere, and that is a planning call, not a gut call.

    💡 "Never touch the principal" can backfire. Modern income planning, like dynamic withdrawals, total return investing, and bucket strategies, can actually help a portfolio last longer.

    💡 Social Security was built to supplement your income, not replace it. When and how you claim can swing your lifetime benefit by hundreds of thousands of dollars.

    💡 The market is rarely the real enemy. Most retirement damage comes from a poorly built portfolio with no time horizon and no plan for the down years, which is exactly where a fiduciary earns their keep.

    Key Quotes

    🗣 "The stock market over long periods of time has been the most reliable wealth-building engine in American history. Not gambling, not speculation. Investing."

    🗣 "Playing it too safe is still playing with fire when it comes to our retirement savings."

    🗣 "If your dad is still around, have this conversation with him. And if he's not, honor him by getting your own financial house in order."

    Connect with Libertas Wealth

    Facebook: https://facebook.com/libertaswealth

    Instagram: https://www.instagram.com/libertas.wealth

    Threads: https://www.threads.com/@libertas.wealth

    LinkedIn: https://www.linkedin.com//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?si=d98161c1ec484a85

    Apple: https://podcasts.apple.com/us/podcast/the-retirement-fiduciary-podcast/id1029927148

    Website: https://www.libertaswealth.com

    Email: info@libertaswealth.com

    Phone: 614-543-1350

    Connect with Adam Koós

    Adam Koós, CFP®, CMT, CFTe, CEPA

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

    Website: https://www.LibertasWealth.com
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    9 min
  • The Owner Dependency Trap: How to Build a Business That Runs Without You

    The Owner Dependency Trap: How to Build a Business That Runs Without You
    Jun 2 2026
    Most business owners will tell you they built their company for freedom. But somewhere along the way, the business stops working without them in it. It becomes something they can't step away from, can't sell, and can't scale past their own bandwidth. In this episode of The Retirement Fiduciary, Adam Koos, sits down with Tiffany Helton, operational scaling and profit strategy expert at Cultivate Advisors, to talk about what founder dependency actually costs, how to build a business that runs without you, and why exit planning is really just good business strategy, no matter how far out your timeline is. Episode Timestamps 00:00 – Intro & guest background: Tiffany's path from busing tables to building and scaling multi-unit restaurant groups 05:00 – What founder dependency really looks like, and the test every owner should run on their business 10:00 – The $20/hour trap: why owners doing low-value tasks is killing growth and exit potential 15:00 – The financial risk of being too important to your own company (death, divorce, disability, and deals) 20:00 – Business transition and exit planning: why it's not about leaving, it's about growing 25:00 – Profitability vs. revenue growth: what your financials are actually telling you 31:00 – Delegation vs. operational leadership: the difference and why it matters 35:00 – The $523/hour question: backing into your real hourly value as a business owner 38:00 – What buyers actually look for, and how to set your business up to attract them 40:00 – Final takeaways and where to start if you want more freedom in your business Key Takeaways 💡 If your business can't survive without you, it's not a business. It's a job, and a risky one. 💡 Exit planning isn't about leaving. It's the most effective growth strategy most owners never use. 💡 Only about 20–30% of businesses have clean, organized books on day one with an advisor. Most owners don't know what they don't know. 💡 Almost zero founder-led businesses have a three-year financial forecast. That's where the biggest growth opportunities are hiding. 💡 The difference between delegation and operational leadership is critical. One removes tasks. The other builds leaders who think like you. 💡 80% of businesses don't sell. They dissolve. And 80% of business owners have most of their net worth tied up in the company. 💡 Know your real hourly rate. If you're answering phones or managing your own calendar at $523/hour potential, something has to change. Key Quotes 🗣 "If I remove you from your business, what's gonna happen? If the answer is no, it can't survive without you, you have to fix that." — Tiffany Helton 🗣 "Exit planning is simply taking you from wherever you are today to wherever you want to be." — Adam Koos 🗣 "It's not easy. But it is simple." — Adam Koos 🗣 "Does your business actually support your personal financial goals? A lot of my clients are totally disconnected in that way." — Tiffany Helton 🗣 "We can always make more money. We can't make more time." — Adam Koos Connect With the Guest Name: Tiffany Helton, Cultivate Advisors Email: tiffany@cultivateadvisors.com Website: https://cultivateadvisors.com/our-advisors/tiffany-helton/ LinkedIn: https://www.linkedin.com/in/tiffany-helton-a0239b8/ Connect with Libertas Wealth Facebook: https://facebook.com/libertaswealth Instagram: https://www.instagram.com/libertas.wealth Threads: https://www.threads.com/@libertas.wealth LinkedIn: https://www.linkedin.com//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?si=d98161c1ec484a85 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 Website: https://www.LibertasWealth.com
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    41 min
  • Insurance Blind Spots, Scam Red Flags, and Financial Readiness

    Insurance Blind Spots, Scam Red Flags, and Financial Readiness
    May 19 2026

    Most people don't think about financial risk until something goes wrong. A policy lapses. A parent sends 00,000 to a scammer. A spouse passes away and no one can find the documents. In this episode of The Retirement Fiduciary, Adam Koós, sits down with Tony Steuer, financial readiness advocate, award-winning author, and host of the podcast Get Ready Before Life Happens.

    Tony brings 30+ years of insurance and financial literacy experience to the conversation. Together, they dig into the most overlooked risks families face, the truth about cash value life insurance (and why it's almost never what it's sold as), the scam tactics targeting retirees and their aging parents right now, and what financial readiness actually looks like in practice. This one's packed.

    Episode Timestamps

    03:00 – How to do a risk assessment before buying any insurance

    05:00 – Cash value life insurance, LIRPs, and the "infinite banking" myth

    09:00 – Surrender charges, borrowed money, and how policies collapse

    15:00 – The in-force illustration: what it is and why you need one

    22:00 – Adam's story: losing his brother and building the My Promise Vault

    25:00 – How AI is making financial scams more personalized and harder to detect

    Key Takeaways

    💡 Before buying any insurance, start with a risk assessment. The right question isn't "do I need this policy?" It's "what could go wrong?"

    💡 Cash value life insurance is almost never the right tool. For most people, products like LIRPs and "infinite banking" are the worst thing out there.

    💡 If you own a permanent life insurance policy, request an in-force illustration every 2–3 years. Many people are shocked by what they find.

    💡 AI is making scams more personal and harder to detect. Create a family passphrase now, before you need it.

    💡 Financial readiness isn't just having a plan. It's making sure your family can actually find everything when it matters most.

    Key Quotes

    🗣 "I have been advocating against that type of crap all my career." – Tony Steuer, on cash value life insurance sold as an investment

    🗣 "If you haven't been scammed yet, it's just a matter of time. The right scam hasn't been designed for you yet." – Tony Steuer

    🗣 "You're trying to get over on the best mathematicians in the world. If you're really smart, you might be able to. But most of us are not." – Tony Steuer, on thinking you can outsmart insurance company actuaries

    🗣 "I promise you will never have to go through what I went through with Kyle." – Adam Koós, on why financial readiness became personal after losing his brother

    🗣 "Ask that many questions before you enroll in your 401(k) as you would before you buy a new TV." – Tony Steuer

    Connect With Tony Steuer

    Website: www.tonysteuer.com

    LinkedIn: www.linkedin.com/in/tonysteuer

    YouTube: https://www.youtube.com/@TonySteuer

    Podcast: Get Ready Before Life Happens

    Connect with Libertas Wealth

    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?si=d98161c1ec484a85

    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

    Website: https://www.LibertasWealth.com
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    40 min
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