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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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  • How to Make Sure Your Estate Plan Doesn't Fail: Real Cases, Real Consequences with Kelly Lise Murray

    How to Make Sure Your Estate Plan Doesn't Fail: Real Cases, Real Consequences with Kelly Lise Murray
    May 5 2026
    Most families spend years building wealth. Far fewer spend time making sure the legal structures protecting that wealth are actually doing their job. In this episode, Adam Koós,sits down with Professor Kelly Lise Murray, a lawyer, mediator, and legal scholar who spent nearly two decades at Vanderbilt University before turning her focus to wealth dispute resolution. Kelly hosts the Wealth Litigated podcast, where she breaks down real courtroom cases involving trusts, estates, and family wealth disputes. Together, Adam and Kelly walk through real litigated cases involving blended families, irrevocable trusts, prenuptial agreements, and costly filing errors. The goal is simple: learn from other families' expensive mistakes so yours never has to become a case study. Episode Timestamps 00:00 - Intro & guest background: Who is Kelly Lise Murray and what is the Wealth Litigated podcast 02:00 - Why estate planning disputes happen: The coordination problem between legal and financial documents 04:30 - Blended family estate planning: What the Marinakis v. Marinakis (Ohio) case teaches us 10:00 - California case: When a stepchild was allowed to inherit as a natural child 13:00 - The #1 most procrastinated item in financial planning (Adam's 25-year observation) 14:00 - Trusts and your mortgage: The Garn-St. Germaine Act and what advisors rarely tell clients 16:00 - Property & casualty insurance and irrevocable trusts: A 2007 warning still being ignored 17:30 - Collins v. Flannery (Ohio): What happens when a surviving spouse controls an irrevocable trust 22:00 - Trustee abuse of a special needs trust: A Texas case with a co-trustee resolution 24:00 - Structural protections: Co-trustees, trust protectors, and professional fiduciaries 26:00 - The $800,000 missed checkbox: Estate of Griffin v. Commissioner (IRS Q-TIP case) 29:00 - Prenuptial agreements: What an Ohio case reveals about overreaching and enforceability 32:00 - Portability of estate plans across state lines 33:00 - Incapacity planning: What to do when a divorcing spouse still has your healthcare directive 35:00 - Final advice for families and financial advisors: Where to start this week Key Takeaways 💡 The single biggest driver of wealth disputes is a lack of coordination between legal documents, financial accounts, and estate plans. A will, a trust, and a beneficiary designation that conflict with one another will be decided by the court, not by you. 💡 Blended families face amplified risk. Remarrying without updating your estate plan can give a new spouse statutory rights that override your existing will, and may even leave your ex-in-laws as heirs. 💡 Transferring your home into a trust without checking your mortgage terms, insurance policy, and applicable statutes first can trigger your loan being called due immediately and invalidate your homeowner's insurance claim. 💡 Execution errors can be just as damaging as planning errors. A missed checkbox on an estate tax return cost one family over $800,000 in a federal IRS case. Two sets of eyes on every filing is a structural safeguard, not a formality. 💡 Structural protections like co-trustees, professional fiduciaries, and trust protectors exist specifically to prevent a sole trustee from depleting an estate without accountability. These are worth building in from the beginning. 💡 If you move to a different state, your existing estate plan, trust, and prenuptial agreement may no longer work as intended. Every lifecycle change and every geographic move warrants a legal review. Key Quotes 🗣 "The lack of coordination leads to litigation. That is the biggest takeaway of our discussion today." - Kelly Lise Murray 🗣 "It's not a matter of if, it's when you get involved in some sort of litigation." - Kelly Lise Murray (citing a common refrain among estate attorneys) 🗣 "The number one most procrastinated financial planning item is estate planning. Without a doubt." - Adam Koos, CFP®, CMT, CFTe, CEPA 🗣 "This is not estate planning in a box. You need actually licensed legal advice from a lawyer in your state." - Kelly Lise Murray 🗣 "I've been talking about this since 2007 because we still haven't gotten the word out enough." - Kelly Lise Murray (on trust and insurance coordination) Connect with the Guest Guest: Kelly Lise Murray, JD - Lawyer, Mediator & Legal Scholar Website (Wealth Litigated): https://www.wealthlitigated.com Website (Vetting the House): https://www.vettingthehouse.com LinkedIn: linkedin.com/in/kellylisemurray 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 / 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=...
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    39 min
  • How Business Owners Can Avoid Bad Hires and Build Stronger Teams with William Sprengler

    How Business Owners Can Avoid Bad Hires and Build Stronger Teams with William Sprengler
    Apr 21 2026
    Hiring is one of the hardest parts of building a successful advisory firm. In this episode of The Retirement Fiduciary, Adam Koós sits down with William Spengler, founder of Frederick Fox, to talk about what actually leads to better hiring outcomes, stronger teams, and healthier long-term growth. Will shares what he's learned from building a fast-growing recruiting firm and explains where many companies go wrong in the hiring process. This conversation covers interviewing mistakes, compensation expectations, onboarding, retention, and the leadership habits that help firms attract and keep great people. It is especially relevant for financial advisors and business owners trying to scale without creating chaos. Episode Timestamps 00:00 – Intro, guest background, and how Will built Frederick Fox 03:50 – How William Spengler got into recruiting 05:20 – Why traditional recruiting models are slow and outdated 07:15 – What the best firms do differently when hiring 08:20 – Common interviewing mistakes that lead to bad hires 09:20 – Why references matter more than most firms think 10:00 – Internal misalignment and how it hurts hiring momentum 10:55 – Compensation expectations in today's market 13:30 – The systems firms need before ramping up hiring 15:00 – Retention, servant leadership, and creating a better culture 16:45 – Balancing high performance with genuine care for your team 18:05 – Rapid fire: ghosting, interview communication, case studies, and hot yoga 21:00 – What makes Frederick Fox different 22:35 – Final thoughts and where to connect with Will Key Takeaways 💡 Clear employer value propositions attract better talent. Firms that can clearly explain who they are, where they are going, and why someone should join them tend to win better candidates. 💡 Bad hires often come from weak validation, not weak resumes. Will emphasizes that references and backdoor references can help firms avoid costly mistakes before someone joins the team. 💡 Internal alignment matters. When stakeholders are not aligned on the role, interview process, or ideal candidate profile, strong candidates often drop out or accept other offers. 💡 Compensation is only part of the equation. Competitive pay matters, but clear growth paths, incentives, culture, and leadership also play a major role in attracting and keeping great people. 💡 Onboarding is a growth system, not an afterthought. A clear 90-day onboarding plan and measurable expectations can make a major difference in whether a new hire succeeds. 💡 Retention starts with leadership. Companies that treat people as their greatest asset and lead with gratitude, service, and alignment tend to keep strong talent longer. Key Quotes 🗣 "Tigers can change stripes, but it's very rare." 🗣 "A players pick up on confidence." 🗣 "You can't invest enough into onboarding and learning and development." 🗣 "People are a company's greatest asset." Connect With William Sprengler Website: https://frederickfox.com/ LinkedIn William Sprengler: https://www.linkedin.com/in/william-spengler-2193433a/ LinkedIn Frederick Fox: https://www.linkedin.com/company/frederick-fox/ Facebook: https://www.facebook.com/FrederickFoxGroup/ 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 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 Connect with Adam Koós: LinkedIn: https://www.linkedin.com/in/adamkoos Website: https://www.LibertasWealth.com
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    24 min
  • March Madness, Market Trends, and the Real Lesson About Long Shots

    March Madness, Market Trends, and the Real Lesson About Long Shots
    Apr 7 2026

    In this episode of The Retirement Fiduciary, Adam Koós uses the NCAA tournament to explain a simple but powerful investing lesson: most people are drawn to exciting long shots, but long-term success usually comes from sticking with the strongest probabilities.

    That is true in tournament brackets, and it is just as true in retirement portfolios.

    Adam walks through why people love Cinderella stories, how higher seeds consistently dominate over time, and what that teaches us about momentum, trend-following, and disciplined portfolio construction. Here's what this means in plain English: building your financial future around low-probability outcomes may feel exciting, but it is rarely a sound strategy.

    This episode is especially helpful for investors who want to understand why process matters, why prediction is a losing game, and why disciplined decision-making becomes even more important when real money and retirement income are involved.

    Episode Timestamps:

    00:00 – Buckeyes, busted brackets, and why everyone still plays

    00:30 – Bobby Knight's quote on preparation vs. luck

    01:00 – Why seeding gives people a false sense of certainty

    01:40 – The Cinderella trap and why people love upsets

    02:05 – The data: how often top seeds actually win

    03:00 – What bracket strategy teaches us about investing

    03:45 – Why momentum, trend, and probabilities matter more than prediction

    04:35 – The investing mistake people make with "cheap" or exciting ideas

    05:20 – Why retirement portfolios should not be built on long shots

    06:00 – Trend-following, discipline, and repeatable outcomes

    06:40 – Final takeaway and next steps

    Key Takeaways:

    💡 Most people focus on exciting upsets, but long-term winners usually come from the strongest, highest-ranked group.

    💡 In investing, chasing low-probability ideas can feel smart in the moment, but it often hurts outcomes over time.

    💡 Strong trends tend to persist, which is why disciplined, model-driven investing focuses on probabilities instead of predictions.

    💡 One of the most dangerous outcomes is getting rewarded for a bad decision by chance, because it encourages poor decision-making later.

    💡 Retirement planning works best when it is built on repeatable discipline, not excitement, hope, or guesswork.

    Key Quotes:

    🗣 "Most people have the will to win, but few have the will to prepare to win."

    🗣 "We are trend followers, not trend predictors."

    🗣 "We don't build portfolios on surprises. We build them on probabilities and repeatable outcomes."

    🗣 "It's not worth diversifying into chance."

    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 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

    Connect with Adam Koós:

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

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