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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    Épisodes
    • 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 min
    • Beyond Investment: A Deep Dive into Monetary Systems and Precious Metals

      Beyond Investment: A Deep Dive into Monetary Systems and Precious Metals
      Nov 13 2025
      Adam Koós sits down with David Morgan—monetary system critic, precious metals analyst, and founder of The Morgan Report—to discuss the fragile state of today's financial system, what history teaches us about currency and freedom, and why investors should pay close attention to silver and gold. David brings over four decades of market experience and economic insight, helping thousands of investors navigate fiat currency, centralized monetary control, and debt-fueled illusion. From the role of the U.S. dollar in global markets to the growing concern around CBDCs, this episode offers a sobering, yet empowering look at what lies ahead—and what smart investors can do to prepare. Whether you're new to alternative assets or looking to protect your retirement from the unknowns of modern monetary policy, this conversation is essential listening. ⏱️ Episode Timestamps: 00:00 – Welcome and guest introduction 02:00 – David's background and evolution as a monetary system critic 05:00 – The moment the system started to unravel 08:00 – Why "freedom" is the first casualty of central banking 11:00 – The truth about fiat currency and what's propping up the system 14:00 – CBDCs: Convenience or control? 18:00 – Gold and silver: investing vs. insuring your wealth 22:00 – What elites fear most about independent money systems 25:00 – Economic illusion vs. financial reality 29:00 – What comes after the dollar loses dominance 33:00 – Silver Sunrise and the push for honest money 36:00 – How to prepare for what's next 39:00 – Final thoughts and where to learn more 🔑 Key Takeaways: Precious metals aren't just investments—they're stores of value when fiat systems fail Central bank digital currencies (CBDCs) could become tools of control Understanding monetary history is critical to protecting your freedom and wealth Silver and gold offer stability in a world built on financial illusions Investors need to think critically, avoid noise, and build portfolios rooted in real value 🗣️ Key Quotes from David Morgan: "The greatest risk to your wealth—and your freedom—is the failing financial system." "Gold and silver don't default. They don't rely on promises." "We're already in the middle of The Great Reset—it's not coming, it's here." "CBDCs give unprecedented control to centralized powers. That should concern every investor." "If you understand history, you know where this story goes. Precious metals have always been the exit." 👤 Connect with David Morgan: Website: www.themorganreport.com LinkedIn: linkedin.com/in/thedavidmorgan Twitter/X: @SilverGuru22 Facebook: The Morgan Report YouTube: @SilverGuru Substack: The Morgan Report on Substack Book: The Silver Manifesto 🔗 Follow Libertas on Social Media: 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 Link: 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 Email: info@libertaswealth.com Website: www.libertaswealth.com Phone: 614-543-1350
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      38 min
    • A New Way to See Money with Carl Richards

      A New Way to See Money with Carl Richards
      Oct 16 2025

      Adam Koós sits down with Carl Richards, author, keynote speaker, and creator of the iconic Sketch Guy column in The New York Times.

      For more than a decade, Carl has been known for turning complex financial concepts into simple, powerful sketches that spark meaningful conversations. His new book, Your Money: Reimagining Wealth in Simple Sketches, invites us to view money not as spreadsheets and numbers, but as a tool for freedom, clarity, and connection.

      Together, Adam and Carl explore why money can't solve all our fears, how retirees can confidently spend the money, and what it really means to live a wealthy life.

      Episode Timestamps:
      01:00 – Carl's unexpected path into finance and sketching
      06:00 – The moment he discovered sketches make money "click"
      10:00 – Why simplifying ideas often takes dozens of iterations
      11:00 – The book as a "conversation grenade" to spark meaningful dialogue
      14:00 – Why money will never be enough to pay for all your fears
      18:00 – If money walked into the room—what would it say to you?
      19:00 – The "spend the money" sketch every retiree should know
      21:00 – Wealth as numbers vs. wealth as meaning
      24:00 – AI, robo-advisors, and why human connection still matters
      26:00 – How Carl thinks about "self-driving money"
      28:00 – Why experiences with loved ones are the best ROI

      Key Takeaways:
      Money can't solve all your fears, its job is different.
      Wealth is about meaning and choices, not just numbers.
      Retirees need to give themselves permission to spend the money.
      The best ROI often comes from experiences with people you love.
      Financial advice will always need a human element, even in the age of AI.

      Key Quotes from Carl Richards:
      "There will never be enough money to pay for all your fears."
      "If money were a person, it would be an earnest but disappointed golden retriever."
      "What if you're not bad with money—what if you're just giving it jobs it can't do?"
      "Spend the money: on experiences with people you love."

      Connect with Carl Richards:
      Website: behaviorgap.com
      https://www.linkedin.com/in/thinkingcarl/
      https://x.com/behaviorgap
      https://www.instagram.com/behaviorgap
      Book: Your Money: Reimagining Wealth in Simple Sketches (available October 21)

      The link to pre-order Carl's book on Amazon, or folks can head to their favorite local bookstore

      The link to place a bulk order of Carl's book.

      Listeners can save an additional 5% by using the code YourMoney5 at checkout.

      Follow Libertas on Social Media:
      Facebook: https://facebook.com/libertaswealth
      Instagram: https://www.instagram.com/libertas.wealth
      Threads: https://www.threads.net/@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
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      26 min
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