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Titre
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EIG Behind the Scenes: What Makes Our Approach Unique
17 sept. 2026
00:30:19
Financial planning is about more than choosing investments. A thoughtful financial plan considers where you are today, where you want to go, and the many pieces of your financial life that need to work together to help you get there.
In the first installment of a new Money Sense series, Behind the Scenes at EIG, Brett Engelking, Director of Systems, Operations and Investments at Ellenbecker Investment Group, is joined by Christina Schnuckel, Wealth Advisor and Director of Client Experience. Together, they pull back the curtain on the EIG client experience, from determining whether a client and advisor are the right fit to developing a holistic financial plan before investment recommendations are made.
The conversation explores EIG's planning process, team-based approach, estate and tax planning, and investment philosophy. Brett and Christina also discuss the importance of diversification, risk management, transparent fees and building an investment strategy designed for both strong and challenging markets. Along the way, they share some of the "aha moments" clients experience when they begin to see how investments, taxes, estate planning and other financial decisions work together as part of a bigger picture.
Episode Highlights:
0:30 | Introducing Behind the Scenes at EIG, a new Money Sense series exploring the people, processes and philosophy behind Ellenbecker Investment Group
1:24 | What makes someone an ideal EIG client and why the right fit is about more than investable assets
2:41 | Why financial planning isn't only for people who already have significant wealth
3:15 | The Wealth Seed and helping people build a strong financial foundation at the beginning of their financial journey
4:10 | Why emergency savings, estate planning and financial protection come before investing
6:15 | What prospective clients can expect from EIG's multi-meeting financial planning process
6:48 | Why understanding a client's full financial picture is essential to making recommendations in their best interest
7:13 | The discovery meeting and the questions that help shape an individualized financial plan
8:34 | Why EIG builds the financial plan before focusing on investment management
9:36 | Estate planning as a foundational part of a comprehensive financial plan
11:23 | EIG's team approach and the roles of wealth advisors, advisor associates and operations associates
12:57 | Creating continuity so clients don't have to tell their financial story over and over again
14:39 | Shifting behind the scenes to EIG's approach to investing
15:02 | What diversification really means and why owning different stocks doesn't necessarily mean you're diversified
16:59 | Diversification as a core component of EIG's investment philosophy
17:13 | The risk of choosing investments based primarily on past performance
17:57 | Why investors may unknowingly own more of the same companies they already hold through mutual funds
18:42 | Chasing market performance and the danger of moving toward the latest "hot" investment
19:57 | How investment models help create diversified portfolios based on risk and return objectives
20:29 | Balancing the desire for growth with protection during down markets
22:11 | EIG's five pillars of investment philosophy: high-quality dividend-paying stocks, diversification, efficient and transparent fees, income protection and tax planning
23:46 | How newer in...
How to Get the Most Out of Your 401(k)
14 sept. 2026
00:42:01
Saving for retirement is one thing. Making the most of your workplace retirement plan is another.
This week on Money Sense, Jamie Williams, CFP®, Wealth Advisor at Ellenbecker Investment Group, is joined by Jean Range, Senior Wealth Advisor at EIG, for an in-depth discussion on how to maximize the value of a 401(k). From employer matching contributions and investment selection to Roth versus pre-tax contributions, they break down the key decisions that can significantly impact long-term retirement success.
Together, Jamie and Jean explore common mistakes employees make with their retirement plans, the importance of starting early, how to navigate market volatility, and why your 401(k) should be viewed as part of your overall financial picture. They also discuss retirement distribution strategies, beneficiary designations, and the role professional guidance can play throughout every stage of your retirement journey.
Episode Highlights:
0:26 | Introduction to 401(k)s and why understanding your retirement plan matters
2:08 | Defined contribution plans versus traditional pension plans and how retirement has evolved
3:10 | Why 401(k)s have become a cornerstone of retirement planning
3:46 | The power of starting early and maximizing your employer match
4:51 | Understanding vesting schedules and what happens to employer contributions when you change jobs
5:43 | Dollar-cost averaging and how consistent contributions can benefit long-term investors
7:15 | Common 401(k) mistakes, including pausing contributions and failing to review investments
7:45 | Auto-enrollment and how employers are helping employees save more effectively
8:53 | The time value of money and the significant advantage of starting young
10:24 | The "latte factor" and how small spending decisions can impact long-term savings
11:57 | Navigating investment options and avoiding common allocation mistakes
12:35 | Understanding target-date funds and how they work
14:39 | Market volatility, emotional investing, and the dangers of trying to time the market
16:27 | When target-date funds may be appropriate and when investors may benefit from more customized allocations
18:54 | Why contributing enough to your 401(k) should be a top financial priority
19:21 | Roth 401(k) versus traditional pre-tax contributions and how to evaluate the right fit
20:49 | How tax planning influences retirement savings decisions
22:01 | 2026 contribution limits, catch-up contributions, and new opportunities for older savers
23:55 | Viewing your 401(k) as part of your total investment portfolio
25:34 | How comprehensive financial planning goes beyond investment management
26:14 | The risks of remaining in stable value funds and being overly conservative
27:29 | The importance of diversification and managing portfolio risk
28:24 | Rebalancing strategies and how often you should review your 401(k)
29:18 | Aligning your investment allocation with your risk tolerance and retirement timeline
30:07 | What to do when your employer changes 401(k) providers
30:50 | A common misconception: your 401(k) provider is not selecting investments for you
32:29 | Additional retirement plan mistakes to avoid
32:51 | Transitioning from saving for retirement to spending in retirement
33:20...
De-Influencing in a "Swipe Now" Culture
03 sept. 2026
00:28:01
In today’s digital world, shopping has never been easier. With targeted advertising, social media influencers, one-click purchasing, and endless sales promotions, it's easy to make purchases before we've had time to consider whether we truly need them. While these conveniences can save time and introduce us to useful products, they can also lead to overspending, clutter, financial stress, and unintended environmental consequences.
This week on Money Sense, Amy Bremmer, CFP®, Wealth Advisor at Ellenbecker Investment Group, is joined by Tammy Niemann, ChFC®, Wealth Advisor at Ellenbecker Investment Group, for a conversation about "de-influencing" in a swipe-now culture. Together, they explore practical strategies for resisting impulse spending, discuss how consumer habits impact long-term financial goals, and examine the connections between overconsumption, mental well-being, and environmental sustainability.
Amy and Tammy share personal experiences, actionable techniques for becoming a more mindful consumer, and thought-provoking insights into how small spending decisions can affect everything from retirement preparedness to household clutter. They also discuss lessons from the Netflix documentary Buy Now and the growing movement toward intentional consumption.
Episode Highlights:
0:18 | Introduction to de-influencing and the impact of modern marketing on spending habits
2:12 | Determining whether a purchase is a true need or simply a want
3:21 | How implementing a 24- to 48-hour waiting period can reduce impulse buying
4:34 | Why unsubscribing from marketing emails can help limit unnecessary spending
6:19 | Using social media algorithms intentionally by following de-influencers and minimalist creators
7:57 | "Breaking up with your phone" and reducing mindless scrolling that leads to spending
9:44 | How spending habits affect long-term financial goals and retirement readiness
11:00 | Why understanding your spending is one of the most important parts of financial planning
13:12 | The relationship between consumerism, clutter, and mental health
15:25 | Five practical rules for becoming a more mindful consumer
16:22 | Calculating purchases in "life energy" by measuring them in hours worked rather than dollars spent
17:52 | Asking whether a purchase will simplify or complicate your life
18:00 | The dangers of buying for an aspirational lifestyle instead of your current reality
18:45 | The sunk-cost mindset and why people struggle to part with unused purchases
19:16 | Exploring the environmental effects of overconsumption
20:13 | Surprising statistics about plastic recycling and the concept of greenwashing
21:35 | Fast fashion, textile waste, and the unintended consequences of clothing donations
24:04 | The growing popularity of thrifting and secondhand shopping among younger generations
25:20 | Electronic waste, recycling challenges, and what happens to discarded technology
26:12 | Defining what "enough" means and aligning spending with personal values
26:40 | Final thoughts on mindful consumption, financial well-being, and intentional living
ELLENBECKER INVESTMENT GROUP
Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management services for individuals, families, businesses, and charitable organizations. EIG's planning...
Small Business Tips and Habits
28 août 2026
00:53:27
Building a successful business takes more than passion and determination. Long-term growth requires financial clarity, strategic decision-making, and the ability to balance profitability with sustainability. For entrepreneurs, understanding key financial metrics, building the right support team, and protecting their own well-being are all essential components of lasting success.
This week on Money Sense, Heather Deaton, Wealth Advisor at Ellenbecker Investment Group, welcomes Cheryl McMurtry, Founder and President of McMurtry Financial Services. Drawing on her experience helping small businesses and nonprofit organizations strengthen their financial foundations, Cheryl shares practical insights on the habits, strategies, and financial disciplines that help businesses thrive beyond the critical first few years.
The conversation explores the importance of knowing your numbers, understanding cash flow, budgeting for growth, maintaining profitability, and building the right team of professional partners. Heather and Cheryl also discuss pricing strategies, business sustainability, succession planning, delegation, and the often-overlooked connection between entrepreneurial success and personal well-being.
Episode Highlights:
1:31 | Cheryl shares her background and the mission behind McMurtry Financial Services 2:52 | Why most businesses fail within the first three to five years and the role financial health plays in long-term success 4:46 | The importance of knowing your numbers and running a business with financial clarity 6:27 | Understanding your break-even point and why every business owner should know it 7:28 | Profit margins, pricing strategies, and avoiding the trap of underselling your value 9:18 | Managing cash flow and understanding how money moves through a business 10:13 | Identifying seasonal trends and using historical data to make better business decisions 13:19 | How often business owners should review financial data and meet with trusted advisors 14:35 | Why waiting until tax season is often too late to make meaningful financial improvements 15:40 | Building reserves, emergency funds, and financial safeguards for businesses 16:54 | The value of lines of credit and planning for unexpected challenges 19:10 | Becoming an expert in your industry while relying on specialists for financial guidance 19:42 | Why budgeting serves as the roadmap for sustainable business growth 24:13 | Understanding your unique value proposition and pricing it appropriately 27:42 | The importance of managing expenses and evaluating the true cost of doing business 29:17 | Building a team of professional partners, from marketing specialists to HR experts 30:13 | Knowing where your time creates the most value and learning when to delegate 31:52 | Succession planning and developing future leaders within your organization 33:41 | Common financial pitfalls that prevent businesses from reaching long-term profitability 34:14 | Cheryl's “You Are Here” financial map analogy and why accurate bookkeeping matters 36:14 | Remaining compliant with taxes, regulations, and reporting requirements 38:12 | Protecting your well-being as a business owner and avoiding burnout 40:22 | Moving from the hustle mindset to building a scalable business with systems and processes 42:11 | Setting boundaries, defining your ideal clients, and learning to say no strategically 43:4...
Planning Extraordinary Travel
24 août 2026
00:38:13
Travel is often one of the most rewarding goals people build into their financial plans. Whether it's exploring a bucket-list destination, creating lasting memories with children and grandchildren, or immersing yourself in a new culture, travel has the power to enrich life in ways few other experiences can. But today's travel landscape requires thoughtful planning, flexibility, and expert guidance to make the most of every adventure.
This week on Money Sense, Jamie Williams, CFP®, Wealth Advisor at Ellenbecker Investment Group, welcomes travel experts Bob Winter and Jim Wilde of Lake Country Travel and Entourage Expeditions. Drawing on decades of industry experience and personal travel to more than 110 countries, Bob and Jim share insights into today's biggest travel trends, how travelers can maximize value, and what retirees and families should consider when planning meaningful experiences around the world.
The conversation explores everything from river cruising, small-group travel, and cultural immersion experiences to multi-generational travel, travel insurance, budgeting, passport requirements, and destination planning. Bob and Jim also discuss common travel mistakes, how to accommodate varying mobility levels, why flexibility remains essential, and how thoughtful travel planning can create unforgettable experiences for families and retirees alike.
Episode Highlights:
1:31 | Bob and Jim share their backgrounds, travel experience, and how Lake Country Travel and Entourage Expeditions were founded 3:22 | Adventures in Antarctica and why expedition travel continues to grow in popularity 4:29 | Major travel trends including river cruising, small-group experiences, and cultural immersion travel 6:52 | How first-time travelers can determine whether guided tours or custom itineraries are right for them 8:36 | Accommodating mobility concerns and selecting travel options that match individual comfort levels 10:18 | Bucket-list destinations, the Seven Continents Club, and experiencing places before they change forever 11:52 | Multi-generational travel as a legacy planning strategy that creates lifelong family memories 13:37 | Why major trips should often be planned 18 to 24 months in advance 15:03 | The importance of flexibility, contingency planning, and adapting during travel 16:31 | Incorporating meaningful travel goals into a comprehensive financial plan 17:05 | What's driving higher travel costs and how travelers should prepare for sticker shock 18:45 | Three practical ways to maximize travel value, including early booking discounts, cash savings opportunities, and travel rewards programs 20:48 | Why people should prioritize meaningful travel experiences before retirement whenever possible 22:19 | Common travel mistakes, over-planning itineraries, and avoiding travel burnout 23:21 | Passport renewal requirements and important documentation considerations for international travel 24:47 | REAL ID, TSA PreCheck, Global Entry, and strategies to simplify the travel experience 26:01 | Travel insurance essentials, including trip cancellation, medical coverage, delays, and baggage protection 29:19 | Where spending a little more can significantly improve your travel experience 31:06 | Memorable bucket-list destinations including Antarctica, Alaska, and the Canadian Rockies 32:43 | How travel creates friendships, community, and lifelong connections among fellow travelers 33:19 | A unique Morocco expedition built around experiencing a nearly total solar eclipse 34:14 | Final travel advice for retirees: prioritize energy, interests, and richer experiences over checking destinations off a list 35:00 | Great starter travel options for new international travelers, including river cruises and rail journeys 36:24 | How to learn more about Lake Country Travel an...
Retirement Realities
17 août 2026
00:27:14
Retirement is one of life's biggest transitions, and while financial preparation is essential, the emotional, social, and practical realities of retirement are just as important. From finding purpose and maintaining relationships to navigating health care costs and changing travel plans, retirement often looks different than people expect.
This week on Money Sense, Jean Range, Senior Wealth Advisor at Ellenbecker Investment Group, welcomes former Ellenbecker advisor Diane Byrne for an honest conversation about retirement. Drawing on her decades of experience helping clients prepare for retirement, along with her own six years of retirement experience, Diane shares what surprised her most, what she planned well, and what lessons she learned along the way.
The conversation explores everything from practicing for retirement before leaving the workforce and maintaining your sense of identity, to planning for health care expenses, staying active, managing taxes, and creating a lifestyle filled with purpose and meaningful connections. Jean and Diane also discuss aging in place, retirement travel, spending habits after leaving work, and what truly defines a successful retirement.
Episode Highlights:
1:18 | Why retirement can feel intimidating and why so many people fear the transition 2:45 | Diane's approach to retirement planning and "practicing" retirement before leaving work 4:20 | Finding purpose, community, and activities that fill your cup in retirement 4:41 | Navigating identity and staying connected after leaving your career behind 6:13 | Unexpected retirement surprises, including retiring during COVID 7:15 | Designing a forever home and planning to age in place 8:22 | Health challenges that changed retirement expectations 10:16 | Retiring to something, not from something: finding purpose in retirement 11:00 | Pursuing hobbies, friendships, and passions with newfound freedom 11:49 | How learning the ukulele created community, volunteer opportunities, and lifelong friendships 13:23 | The mission and impact of the Ellenbecker Charitable Foundation 14:19 | Travel expectations versus retirement realities 15:03 | How health and changing interests can reshape retirement travel plans 16:43 | Solo travel options and finding communities that share your interests 17:46 | Buyer beware: the retirement expenses people often underestimate 18:20 | The true cost of health care in retirement and Medicare considerations 19:28 | Why taxes matter more in retirement than many people expect 20:27 | Tax planning strategies and managing retirement income sources 21:44 | The importance of staying physically and mentally active in retirement 22:42 | Preparing for retirement several years before you leave the workforce 22:48 | Why major purchases may be easier to make before retiring 23:44 | Creating dedicated savings for meaningful goals and special experiences 24:43 | Knowing when you're truly ready to retire 25:25 | Diane's definition of a successful retirement and the freedom of having choices
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management services for individuals, families, businesses, and charitable organizations. EIG's planning-first approach helps clients align their financial decisions with th...
7 Ways Grandparents Can Help Their Grandchildren Financially
10 août 2026
00:31:06
Helping grandchildren financially is about much more than simply giving money. Thoughtful planning can create opportunities for education, encourage healthy financial habits, and establish a lasting family legacy that benefits future generations.
This week on Money Sense, Nick Kibardin, MBA, CFP®, welcomes Sandy Miller, Wealth Advisor Associate at Ellenbecker Investment Group, for a conversation about seven ways grandparents can help their grandchildren. Drawing from both her professional experience and her role as a grandmother of seven, Sandy shares practical strategies for gifting, saving, investing, and passing along financial values that can make a meaningful impact for years to come.
The discussion covers everything from cash gifts and Roth IRA opportunities for working teenagers to 529 plans, custodial accounts, trusts, direct tuition payments, appreciated stock gifting strategies, and the newly introduced Trump Accounts. Along the way, Nick and Sandy highlight the importance of financial education and how grandparents can use these tools not only to transfer wealth, but also to teach responsibility and stewardship.
Episode Highlights:
1:20 | #1 Gifting cash and teaching financial responsibility 4:42 | Using earned income and Roth IRAs to build long-term wealth 5:43 | #2 Understanding the benefits of 529 college savings plans 9:41 | New flexibility for 529 plans, including Roth IRA rollovers 10:38 | #3 How custodial (UTMA) accounts can teach investing fundamentals 15:36 | #4 Using trusts to create a lasting family legacy 18:36 | #5 Direct tuition and medical payments as gifting strategies 20:42 | #6 The advantages and considerations of gifting appreciated stock 23:58 | #7 Exploring the new Trump Accounts and their potential benefits 28:15 | Educational resources available through Ellenbecker Investment Group 29:48 | Final thoughts on financial education, family values, and legacy planning
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management services for individuals, families, businesses, and charitable organizations. EIG's planning-first approach helps clients align their financial decisions with their values, goals, and long-term vision for the future. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to specific products, services, legislation, or organizations do not imply endorsement by Ellenbecker Investment Group. Before making financial, tax, or estate planning decisions, consult with qualified professionals familiar with your individual circumstances.
Q3 2026 Bond Market Update
03 août 2026
00:42:14
Markets are constantly balancing optimism and uncertainty. While headlines often focus on volatility, long-term success comes from understanding the forces driving investment decisions and maintaining a disciplined strategy aligned with your goals.
This week on Money Sense, Jamie Williams welcomes Dick Schiller, CFA and Senior Wealth Advisor at Pavlic Investment Advisors, for a discussion on the current investment landscape. Together, they explore the ongoing bull versus bear market debate, the impact of artificial intelligence on corporate earnings and market performance, and what investors should be watching as economic conditions continue to evolve.
The conversation also takes a deeper look at fixed income investing, including today's interest rate environment, the role of bonds in a diversified portfolio, and how thoughtful asset allocation can help investors navigate uncertainty. Dick shares insights on corporate bonds, market expectations for interest rates, and why maintaining a long-term perspective remains essential regardless of market conditions.
Episode Highlights:
1:48 | Understanding bull and bear markets
5:29 | The bullish case for today's market
7:22 | How AI spending is driving earnings growth
10:25 | Potential risks investors should watch
14:47 | The current fixed income landscape
18:12 | Why "higher for longer" interest rates matter
21:23 | Federal Reserve expectations and market outlook
23:20 | Cash management and bond ladder strategies
30:10 | Why corporate bonds remain attractive
35:19 | Investor discipline during market uncertainty
38:04 | AI, productivity, and long-term market opportunities
PAVLIC INVESTMENT ADVISORS Pavlic Investment Advisors is an independent investment management firm providing portfolio management, fixed income expertise, and investment consulting services for individuals, families, institutions, and financial advisors. The firm focuses on disciplined investment strategies, risk management, and customized portfolio solutions designed to help clients pursue their long-term financial goals. Website: pavlic.com
ELLENBECKER INVESTMENT GROUP Presenter of the MPC Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies or organizations do not imply endorsement by Ellenbecker Investment Group.
The Psychology of Retirement
21 juil. 2026
00:30:05
Retirement is one of the biggest life transitions we face, yet most retirement conversations focus solely on the financial side.
In this episode of Money Sense, Senior Wealth Advisor Jean Range sits down with Dr. Jessica Fischer, Brown Deer Campus Director of Clinical Services at Rogers Behavioral Health, to discuss the emotional and psychological realities of retirement.
Jean and Dr. Fischer discuss the stages of retirement, the importance of purpose and community, signs that loneliness or depression may be developing, and practical ways to prepare emotionally for this next chapter of life. They also share resources for retirees and families looking to support healthy aging and overall well-being.
00:00 Why Retirement Is More Than a Financial Decision 02:12 When Your Career Becomes Your Identity 07:08 Building Purpose, Routine, and Social Connection 09:32 The Stages of Retirement Adjustment 13:14 Recognizing Loneliness, Anxiety, and Depression 15:24 When One Spouse Retires Before the Other 19:34 Finding Activities That Fill Your Bucket 23:33 Creating a Happier, More Meaningful Retirement
New episodes of Money Sense drop weekly. Subscribe for more conversations that connect financial education with real-life decisions.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies or organizations do not imply endorsement by Ellenbecker Investment Group.
The Difference Between Tax Preparation and Tax Planning
14 juil. 2026
00:38:28
Taxes are often something people think about once a year. Gather the documents, file the return, and move on. But what if that approach is causing you to miss valuable opportunities?
In this episode of Money Sense, Wealth Services Advisor Nik Kibardin sits down with Richard Wolosek, CPA and Tax Planning Advisor at Ellenbecker Investment Group, to break down the critical difference between tax preparation and tax planning. While tax preparation focuses on reporting what already happened, tax planning helps shape what happens next.
Nik and Richard explore how proactive tax strategies can impact every stage of life, from accumulating wealth and preparing for retirement to leaving a tax-efficient legacy for future generations. They also share real-world examples of how thoughtful planning can help reduce taxes, avoid costly Medicare premium increases, maximize charitable giving strategies, and create more flexibility throughout retirement.
00:00 Tax Preparation vs. Tax Planning: What's the Difference? 04:06 How Tax Planning Creates More Financial Options 08:42 Tax Strategies During Your Working Years 15:18 Retirement Tax Planning Opportunities 20:22 Legacy Planning, Inheritance, and Taxes 21:41 Real Client Stories 33:20 Final Takeaways
New episodes of Money Sense drop weekly. Subscribe for more conversations that connect financial education with real life decisions.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: https://www.ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies or organizations do not imply endorsement by Ellenbecker Investment Group.
Pet Care, Costs, Planning, and Community Resources
07 juil. 2026
00:32:46
Pets are family, but they also come with financial responsibilities that many owners don't fully anticipate.
In this episode of Money Sense, Wealth Services Advisor Courtney Witthuhn is joined by Ellenbecker Investment Group Director of Marketing Sara McGuire to discuss the true cost of pet ownership, how to financially prepare for a pet, and the community resources available to help families keep their beloved companions healthy and at home.
From pet insurance and emergency vet expenses to fostering, volunteering, and affordable care programs, this conversation offers practical guidance for current and future pet owners. Whether you're considering adding a pet to your family or looking for ways to better plan for your furry friend's future, this episode is packed with actionable insights.
00:00 Why Pet Planning Matters 01:57 The Real Cost of Pet Ownership 08:55 Preparing Financially for a Pet 15:00 Budgeting, Pet Insurance & Emergency Expenses 22:10 Alternatives to Ownership: Fostering & Volunteering 25:58 Community Resources & Estate Planning for Pet
New episodes of Money Sense drop weekly. Subscribe for more conversations that connect financial education with real life decisions.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Q2 2026 Market Update
30 juin 2026
00:42:08
Markets rarely move in straight lines and Q2 2026 was a powerful reminder of that.
In this week’s episode of Money Sense, Karen Ellenbecker is joined by long-time market voice Mike Roth and Wealth Services Advisor Nik Kibardin to unpack a volatile yet resilient quarter.
From geopolitical tensions and oil shocks to a remarkable market rebound, this conversation breaks down what really drove performance and what investors should pay attention to moving forward. The group explores the balance between strong economic fundamentals and headline-driven noise, and how both shaped investor sentiment.
They also discuss inflation trends, shifting Federal Reserve expectations, the growing influence of AI, and how everyday investors can interpret what is happening through the lens of gas prices, rates, and portfolio decisions.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Insurance Coverage Gaps, Liability Risks, and Recommendations
23 juin 2026
00:44:41
Insurance is something many people have, but not always something they revisit or fully understand.
In this week’s episode of Money Sense, Amy Bremmer, Wealth Services Advisor at Ellenbecker Investment Group, sits down with Jody Leonhardt, Accounts Manager and Agent at American Advantage Insurance, to walk through the basics of property and casualty insurance in a clear and practical way.
Together, they talk through how coverage works, how to think about protecting what you’ve built, and why regular check-ins matter as life evolves. From auto and homeowners insurance to umbrella policies, this conversation offers helpful perspective for making more informed decisions about your coverage.
00:00 Why Understanding Your Coverage Matters 02:05 Agent vs Broker and Finding the Right Fit 05:10 Auto Insurance Basics and Coverage Limits 09:15 Aligning Coverage with Your Assets 12:40 Homeowners Insurance and Shared Risk 17:55 Replacement Cost vs Actual Cash Value 22:30 Everyday Liability Risks at Home 27:40 Umbrella Insurance and How It Works
New episodes of Money Sense drop weekly. Subscribe for more conversations that connect financial education with real life decisions.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
College Athletics in a Pay-for-Play Era
16 juin 2026
00:30:50
College athletics is evolving fast. What used to center on scholarships and school pride now includes contracts, branding deals, and real income before athletes even step on campus.
In this episode of Money Sense, Heather Deaton sits down with Chellee Siewert, Founder and President of Capture Sports Entertainment, to unpack what the pay-for-play (NIL) era means for athletes, families, and the future of college sports. From building a trusted team to navigating contracts, taxes, and personal branding, this conversation explores both the opportunities and the risks.
They also zoom out to examine how NIL is reshaping team dynamics, recruiting, and the long-term landscape of college athletics.
00:00 The Shift to Pay-for-Play in College Sports 02:12 What NIL Really Means for Athletes Today 04:05 Building the Right Team Around an Athlete 06:45 Early Deals, Contracts, and Hidden Risks 08:58 Schools Paying Athletes Directly Explained 11:30 Athletes as Brands: Identity Beyond the Game 15:00 Financial Planning and Managing Sudden Income 18:10 Team Dynamics, Transfers, and Recruiting Changes 22:05 What Comes Next: Rules, Risks, and the Future of NIL
New episodes of Money Sense drop weekly. Subscribe for more conversations that connect financial education with real life decisions.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
EIG Behind The Scenes: Operations & Systems
09 juin 2026
00:38:46
“EIG Behind the Scenes” is a new Money Sense series designed to highlight the people and perspectives behind Ellenbecker Investment Group. In this first episode, Karen Ellenbecker sits down with Brett Engelking, Director of Operations and Systems, to explore what it really takes to build and sustain a boutique firm.
Karen reflects on her more than 40 years in the industry and the intentional decisions behind building a firm grounded in personalized service, long-term relationships, and thoughtful growth. Brett shares how operations and systems work behind the scenes to bring that vision to life while adapting to an increasingly complex, fast-moving environment.
They also discuss how technology supports, but never replaces, human connection, and explore what the rise of AI could mean for the future of the industry. 0:00 EIG Behind The Scenes Introduction
1:50 How the Industry has Evolved Over 40 Years 4:30 What Operations and Systems Actually Do 7:30 From Manual Processes to Modern Technology 11:30 What “Boutique” Really Means Today 15:30 Relationships, Trust, and Legacy Planning 21:30 Technology, AI, and Risk Awareness 29:30 The Future of Advice and The Firm
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group
Why Delayed Gratification Matters for Investors
02 juin 2026
00:29:50
What if the hardest part of investing is not finding the right strategy but sticking with it?
In this episode of Money Sense, Kristina Schnuckel sits down with fellow Wealth Advisor Nik Kibardin to explore how behavioral finance shapes the way we save, spend, and invest. From the classic marshmallow experiment to real world market cycles, they break down why delaying gratification can be one of the most powerful decisions an investor makes.
They unpack market timing, the temptation to chase short term wins, and offer practical strategies to help investors stay grounded, disciplined, and focused on long term goals. You will also hear a compelling side by side example that shows how time in the market can matter more than timing the market.
00:00 Why Behavioral Finance Matters 02:15 The Marshmallow Test and What It Teaches Investors 05:10 FOMO, Market Highs, and the Risk of Chasing Returns 08:30 Why Market Downturns Feel So Much Worse 11:40 The Power of Compound Growth with a Real Example 16:20 Time Horizon, Risk, and Smarter Decision Making 21:45 Why You Cannot Time the Market 24:30 Building Habits, Diversification, and Staying Invested
New episodes of Money Sense drop every Tuesday. Subscribe for more conversations about aligning your money with what matters most.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Make Your Most Thoughtful Financial Decisions During Divorce
26 mai 2026
00:38:16
Making thoughtful financial decisions during divorce starts with understanding your options.
In this episode of Money Sense, Julie Ellenbecker sits down with Susan Hansen, collaborative attorney and mediator at Hansen & Hildebrand, to walk through how to approach divorce thoughtfully from the very first steps through long-term financial impact.
They emphasize the importance of education and choosing the right process for your situation. Susan outlines the different paths available including mediation, collaborative divorce, traditional litigation, and do-it-yourself approaches, along with the tradeoffs of each.
Susan also highlights a major update in Wisconsin law that allows couples to finalize a divorce without appearing in court, offering a more streamlined and lower-stress option for many families.
00:00 Divorce Planning and Financial Decisions 01:20 Preparing for Divorce and Getting Organized 04:30 Divorce Options 12:30 No-Court Divorce and New Wisconsin Law 19:45 Building Your Divorce Team 24:00 Financial Planning During Divorce 31:30 Divorce Mistakes to Avoid
New episodes of Money Sense drop every Tuesday. Subscribe for more conversations about aligning your money with what matters most.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
How to Make Your Kid Rich on $1 a Day
19 mai 2026
00:30:38
What if just $1 a day could set your child up for long-term wealth?
In this episode of Money Sense, Amy Bremmer, Wealth Services Advisor at Ellenbecker Investment Group, is joined by Faith Reiter from the EIG Marketing Team, who is expecting her first child, to break down a simple but powerful strategy built on the time value of money.
Together, they explore how small, consistent contributions, whether from parents, grandparents, or loved ones, can grow over a lifetime. From UTMA accounts to Roth IRAs, this episode walks through a step-by-step approach to turning early investing into generational wealth.
They also discuss the realities of modern parenting costs, how to prioritize investing amid competing financial goals, and why starting early, even with a small amount, can make all the difference.
00:00 Welcome & Why This Topic Matters 02:05 The Cost of Raising a Child Today 04:15 What $1 a Day Really Means 06:20 UTMA Accounts Explained 10:45 $365 vs. Lump Sum Strategy 16:30 The Roth IRA Strategy 19:50 From $1/Day to Millions
New episodes of Money Sense drop every Tuesday. Subscribe for more conversations about aligning your money with what matters most.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: https://www.ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Author Spotlight: Jen Marr on "Lifting Up"
12 mai 2026
00:29:43
What does it mean to show up as a leader, especially in times of crisis, uncertainty, and burnout?
In this special #AuthorSpotlight episode of Money Sense, we’re joined by Jen Marr, founder and CEO of Showing Up and author of Lifting Up. Through the “showing up” framework, Jen breaks supportive leadership down into clear, actionable behaviors leaders can apply in real time to reduce burnout, strengthen trust, and improve team connection.
Jen shares her deeply personal journey, shaped by proximity to the Sandy Hook tragedy and the Boston Marathon bombing, and how those experiences sparked decades of research into human behavior, stress, and support. From the concept of the “awkward zone” to practical, repeatable micro-skills leaders can use right away, this conversation goes far beyond theory and into action.
00:00 Why Showing Up Matters 01:15 Jen Marr’s Story 05:40 Stress, Disruption & the “Awkward Zone” 10:40 The Showing Up Leadership Framework 15:50 Practical Tools Leaders Can Use Today 26:30 Steady Leadership, AI, & How to Connect with Jen
ABOUT THE AUTHOR Jen Marr is the founder and CEO of Showing Up and the author of “Lifting Up”. Through research, training, and real-world application, Jen helps leaders build supportive cultures that reduce burnout, increase trust, and strengthen human connection, especially during times of stress and uncertainty. Book: "Lifting Up" is available on Amazon and major book retailers. Website: showing-up.com Personal Site: jenmarr.com
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Why Dividend Growth Matters in Today’s Market
05 mai 2026
00:31:08
How can portfolios pursue growth while managing volatility and generating reliable income?
In this episode of Money Sense, wealth advisor Jamie Williams sits down with Mary Brown, president and portfolio manager at Campbell Newman Asset Management, to explore why dividend growth investing continues to play a critical role in long‑term portfolio construction.
Mary shares the history behind Campbell Newman and explains how dividend‑growing companies can signal financial strength, disciplined capital allocation, and management confidence, especially during volatile or uncertain markets. Together, they discuss how dividends contribute to total return, help dampen volatility, and fit into a broader active management strategy alongside diversification, quality, and risk control.
Listen to Money Sense wherever you get your podcasts.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Credit Scores, Debt, and Buying A Home
28 avr. 2026
00:35:39
With Americans carrying over $1.27 trillion in credit card debt, understanding how credit actually works and how it impacts homeownership is more important than ever.
In this episode of Money Sense, Kristina Schnuckel, wealth advisor and director of client experience at Ellenbecker Investment Group, is joined by Ben Revak, senior loan advisor at ProVisor Inc., for a practical conversation about credit scores, consumer debt and buying a home.
They break down common myths around credit card debt, explain what truly affects a credit score, and discuss why having debt does not automatically disqualify someone from homeownership. The episode also explores the difference between good and bad debt, how to prepare financially before buying a home, and what buyers should consider when thinking about mortgage rates and timing the market.
00:00 Why Credit Scores Matter 01:40 Credit Card Debt & Homeownership Myths 07:33 What Really Makes Up a Credit Score 15:55 Good Debt vs. Bad Debt (Mortgages Explained) 20:35 How to Prepare for Buying a Home 30:15 Mortgage Rates, Timing the Market & What to Know Now
New episodes of Money Sense drop weekly. Subscribe for more conversations about aligning your money with what matters most.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Charitable Giving and Your Financial Plan
21 avr. 2026
00:45:27
How can generosity fit seamlessly into your financial plan and maximize tax efficiency?
In this episode of Money Sense, wealth advisors Jamie Williams and Heather Deaton explore how charitable giving can fit into a well‑rounded financial plan. They discuss how generosity can be both personal and strategic, while still supporting long‑term family and financial goals.
The conversation is grounded in the Five T’s of Philanthropy: time, talent, treasure, ties, and testimony. Using real examples, they highlight the many ways individuals and families can give back beyond writing a check.
00:00 Why Philanthropy Is Core to the EIG Culture 03:40 Defining Your “Why” in Charitable Giving 07:30 The Five T’s of Philanthropy 12:45 Volunteering & Real‑World Impact 18:10 Securities, DAFs & Tax Efficiency 28:50 QCDs, RMDs & Retirement‑Based Giving 34:40 Legacy Giving, Estate Planning & Beneficiaries 41:20 Final Takeaways
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group
Setting Kids Up for Financial Success
14 avr. 2026
00:40:06
How do you raise kids who feel confident making money decisions?
In this episode, wealth advisors Kristina Schnuckel and Heather Deaton share how their own families have approached allowances, saving, and early financial decisions, alongside what they see working with clients and their kids.
00:00 Raising Money-Confident Kids 05:00 Allowances, Chores, and Teaching Kids Financial Responsibility 09:15 Savings vs. Spending and Building Impulse Control 13:00 Teaching Kids About Charitable Giving and Family Values 14:10 Helping Kids Understand Money Through Cash Flow and Spending Awareness 26:00 Savings, Investing, and Financial Accounts for Kids 36:45 Launching Kids into Adulthood with Financial Confidence
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Mortgage Planning in a High-Rate Environment
07 avr. 2026
00:40:21
Mortgage rates may be higher than what many homeowners and buyers have grown used to in recent years, but thoughtful planning can still open the door to smart opportunities.
In this episode, wealth advisors Jamie Williams and Tammy Niemann explore today’s mortgage landscape and how it fits into your overall financial plan, drawing on Tammy’s deep lending background and Jamie’s planning‑first perspective.
Mortgage Lending Then vs. Now
Understanding Today’s Interest Rate Environment
Mortgage Options and Borrowing Strategies
Credit, Income, and Mortgage Approval
Specialized Lending: Second Homes, Construction, and Renovations
Home Equity Lines of Credit
Integrating Mortgage Decisions into Financial Planning
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: https://www.ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Q1 2026 Economic Update & Outlook
31 mars 2026
00:45:26
Early 2026 opened with optimism around AI, but rising oil prices and geopolitical tension quickly shifted sentiment. Mike Roth explains what changed, why rate cuts may be fewer than expected, and where volatility creates both risk and opportunity.
00:00 Welcome to Money Sense 02:04 Q1 2026 Market Overview 06:34 Why AI Is Driving Market Volatility 15:55 Iran, Oil Shocks & Global Market Impact 21:03 The Fog of War: Headlines vs Reality 23:32 Interest Rates & Fed Cuts in 2026 24:46 AI Winners, Losers & Valuation Shifts 29:39 Understanding Private Credit 37:47 How Today’s Economy Affects Everyday Life
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Legacy Planning Made Simple for Every Family
24 mars 2026
00:50:03
Take the mystery out of legacy planning, no matter your age or stage. Estate planning attorney Erick Fabyan breaks down the conversations, documents, and decisions families should consider before they matter.
From wills and trusts to beneficiary designations, powers of attorney, family conversations, and end‑of‑life instructions, this episode offers a practical roadmap for beginning—or updating—your estate plan. Jamie and Eric also share real stories and clear examples that reveal why planning early matters, how to avoid common mistakes, and the small steps that provide major peace of mind.
What We Cover: ✅ Why every adult needs basic estate planning documents ✅ The difference between wills and trusts (and why most families benefit from a trust) ✅ How beneficiary designations work—and the pitfalls to avoid ✅ Choosing powers of attorney for financial and medical decisions ✅ Keeping your documents current and aligned with your wishes ✅ Planning for funeral expenses and ensuring liquidity ✅ How to structure family conversations that prevent conflict ✅ Digital legacy planning (passwords, online accounts, phone access & more)
Whether you're planning for your own future or helping aging parents, this conversation will help you take the next right step with confidence.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: https://www.ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Tax Planning as a Cornerstone of Financial Wellness
17 mars 2026
00:27:04
Tax planning plays a critical role in financial success. In this episode of Money Sense, Karen Ellenbecker sits down with Sandra Geisler, Director of Tax Planning at Ellenbecker Investment Group, to explore how thoughtful tax decisions today can strengthen your retirement, reduce surprises, and help your money work smarter for you.
Karen and Sandra break down 2026 tax law changes, the importance of planning ahead, and the strategies retirees often overlook. They also share how to strategically manage Required Minimum Distributions (RMDs), use Roth IRAs and tax‑efficient accounts to your advantage, and apply gifting rules to protect your estate and support the causes you care about.
Why does this matter? Because without proactive planning, you risk higher taxes and a less efficient path toward the legacy you hope to leave.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Mortgages Made Simple for Today’s Homebuyers
10 mars 2026
00:41:41
If the mortgage process feels overwhelming, you’re not alone. Wealth Advisor Kristina Schnuckel and Loan Officer Ben Revak join Money Sense to simplify rates, lenders, and the steps every buyer should understand before making an offer.
Together, they break down the key differences between purchases and refinances, why transparency from your lender matters, how rate locks actually work, and the questions every borrower should ask to avoid last‑minute stress at closing. Ben also shares his educational approach, the importance of selecting the right loan officer, and the biggest mistakes he sees homebuyers make, plus how to prevent them.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: https://www.ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Finding the Right Home in Any Market
03 mars 2026
00:43:57
In a market where nothing seems available, this episode breaks down how people are still finding the right home and the strategies that make it possible.
Karen Ellenbecker sits down with Shorewest Realtor Beth Jaworski for a conversation about today’s housing reality: tight inventory, a shortage of condos, and the wave of apartment development that’s reshaping options for buyers and downsizers alike. Beth explains what’s driving the shortage and why so many would‑be sellers feel “stuck,” then shares practical ways to create flexibility like using a home‑equity line of credit to buy first and sell second, staging for maximum return, and timing your move to reduce stress.
You’ll learn what buyers prioritize today, the simple updates that make the biggest difference, and the offer strategies that help you compete in a fast‑moving market. We also talk about building the right team, from decluttering support to contractors and lenders, and why preparation is the key to successful buying and selling in any season.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Q1 2026 Bond Market Update
24 févr. 2026
00:42:36
In this episode, wealth advisor Jamie Williams is joined by Dick Schiller of Pavlic Investment Advisors for a clear look at the fixed income landscape in early 2026.
Together, they break down how today’s bond ladders are structured, what yields look like across one‑ to ten‑year maturities, and why reinvestment and interest‑rate risk feel different than they did just a few years ago. Jamie and Dick also highlight how the broader market backdrop supports the case for high‑quality bonds and how a thoughtful allocation can help protect five to six years of income needs.
They discuss:
Current yield ranges across one‑ to ten‑year investment‑grade corporate bonds
Why bond ladders help stabilize plans in a shifting rate environment
How reinvestment risk affects CDs and money markets
The difference between individual bonds and bond funds
How to evaluate quality when selecting fixed income holdings
How fixed income supports a balanced allocation as volatility returns
Register for our March 12th webinar on travel insurance here: bit.ly/4ccSKga
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Thriving in Your Retirement Years
17 févr. 2026
00:43:27
What if retirement felt more like a graduation rather than an ending? Host Karen Ellenbecker sits down with retirement transition expert Elizabeth Parsons to uncover why so many high achievers “fail” at traditional retirement and how to design a chapter filled with purpose.
In this episode, Elizabeth Parsons, author of "A High Achiever’s Guide to Thriving in Retirement", breaks down the emotional and identity shifts that often catch people off guard. She explains why financial readiness is only one piece of the puzzle and shares practical strategies for building community, redefining daily structure, and experimenting with new roles that keep life meaningful and energizing.
Karen Ellenbecker also reflects on her own journey, including her attempt at a traditional Florida retirement, the loss of structure that surprised her, and the joy she rediscovered through writing, philanthropy, travel, and staying intellectually active. Their conversation offers an honest look at what retirement can feel like behind the scenes and how to create a life that continues to grow, stretch, and inspire you.
To learn more, visit highachieverretirement.com, connect with Elizabeth on LinkedIn by searching Elizabeth Zelinka Parsons, or explore her book "A High Achiever’s Guide to Thriving in Retirement", available online and through major book retailers.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Estate Planning: The Trustee's Role Explained
10 févr. 2026
00:45:28
What happens when you’re named the trustee of a loved one’s estate? In this episode, wealth advisor Heather Deaton and estate planning attorney Phil Remmers break down the trustee’s role and explain how to navigate the responsibility with clarity and confidence.
Phil Remmers of Kramer‑Maltoff brings more than 25 years of estate planning experience to the conversation. Together, he and Heather walk through the practical steps every trustee must address—from gathering documents and organizing assets to managing real estate, distributing personal property, and working with advisors.
Listeners will also learn how to choose the right trustee, what qualities matter most, and how to prepare loved ones in advance. Phil explains trustee liability, communication best practices, and how to wrap up an estate cleanly through accountings, receipts, releases, and final tax filings.
To learn more about Phil Remmers and his work, contact him at pjr@cmlawgroup.com or 262‑542‑4278.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: www.ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Generational Wealth Building for Your Family
03 févr. 2026
00:40:58
In this episode of “Money Sense”, host Karen Ellenbecker is joined by her daughter, Julie Ellenbecker‑Lipsky, President and Senior Wealth Advisor at Ellenbecker Investment Group. Together, they open up about what generational wealth means today, how it differs across age groups, and why legacy is about far more than financial assets.
They discuss:
Why legacy is less about numbers and more about values
How different generations think about saving, giving, and financial security
The rising trend of lifetime gifting and why more parents are helping adult children earlier
The importance of modeling healthy financial behaviors
Why family conversations around money matter, and how to start them
How EIG’s Wealth Seed initiative supports emerging investors
Whether you’re thinking about your own legacy, supporting adult children, or finding ways to empower the next generation, this episode offers personal stories, practical insights, and actionable steps to help your family talk more openly about wealth and values.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: https://www.ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Simple Steps to Secure Your Future
27 janv. 2026
00:41:54
Ever wondered how to turn money stress into financial strength? Join Karen Ellenbecker and Anne Lester as they delve into practical strategies for building a secure financial future.
In this episode, Anne Lester, a former JP Morgan executive and money mentor, shares her expert advice on transforming your relationship with money. Discover the five-step framework that can help you save for a rainy day, manage debt, and maximize your retirement savings.
For more information, visit https://annelester.com/ or check out her award-winning book “Your Best Financial Life". It’s available in stores and through online retailers like Amazon.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: https://www.ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Planning Ahead for Caregiving Needs
20 janv. 2026
00:44:30
What would happen if tomorrow you became the primary caregiver for a loved one? Most families think they have time, but the reality is caregiving crises hit fast and hard. Today, “Money Sense” host Karen Ellenbecker is joined by Annalee Kruger, founder of Care Right Inc., to discuss why planning ahead is essential.
Annalee shares insight from nearly 30 years of experience helping families plan for aging, dementia, and long-term care. She breaks down the emotional, financial, and physical costs of caregiving, the complexities of caring for loved ones with dementia, and how families can plan for aging parents while also protecting their own future care needs. The conversation also addresses the challenge of balancing caregiving responsibilities with careers and family life.
For more information, visit www.carerightinc.com or check out Annalee’s book “The Invisible Patient: The Emotional, Financial, and Physical Toll on Family Caregivers”. It’s available in stores and through online retailers like Amazon.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: https://www.ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Real Estate Decisions in Retirement: Sell or Stay?
13 janv. 2026
00:47:40
When it comes to retirement, few decisions carry as much emotional and financial weight as what to do with your home. Should you downsize, relocate, or stay put? On this episode of “Money Sense”, host Karen Ellenbecker sits down with Tammy Niemann, Wealth Advisor at Ellenbecker Investment Group, to unpack the real estate crossroads many retirees face.
Tammy breaks down key considerations retirees should evaluate, including the pros and cons of downsizing, the financial and lifestyle impact of relocating, and when staying put may make the most sense. The conversation also covers topics such as reverse mortgages, housing market dynamics, and how real estate decisions can affect cash flow, taxes, and long-term planning.
Listeners will gain clarity on how to align housing choices with personal values, lifestyle goals, and overall retirement plans, so decisions feel intentional, informed, and confident rather than overwhelming.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com/
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
Untangle Your Emotions from Your Money
06 janv. 2026
00:41:21
Ever make a financial decision and later wonder, why did I do that? Maybe it wasn’t logic that drove it—it was emotion.
In this episode, host Karen Ellenbecker sits down with Aja Evans, a board-certified therapist, speaker, and author specializing in financial therapy, to explore the deep connection between money, emotion, and mental health.
Aja shares insights from her own financial awakening and explains how financial therapy can help individuals and families navigate the stress, shame, and patterns that influence financial decisions. She also discusses practical steps for couples to communicate about money, build trust, and create healthy financial habits together.
Listeners will learn how to identify emotional triggers around money, understand the impact of chronic stress on financial and personal well-being, and take actionable steps to develop a healthier relationship with their finances.
Aja's book, “Feel Good Finance”, is available now and offers tools to reflect on money habits, understand money narratives from childhood, and begin untangling emotions from financial decisions. You can find it at ajaevanscounseling.com or in stores and online retailers like Amazon.
ELLENBECKER INVESTMENT GROUP Presenter of the Money Sense Podcast. Ellenbecker Investment Group (EIG), a registered investment advisor, provides comprehensive financial planning and fiduciary wealth management for individuals, families, businesses, and charitable foundations. Website: ellenbecker.com
This podcast is for educational purposes only and should not be considered legal, tax, or financial advice. Guest opinions represent the views of the individuals speaking, and references to companies do not imply endorsement by Ellenbecker Investment Group.
How To Create A Winning Culture in Your Business
07 déc. 2025
00:46:01
What makes a company culture thrive? Host Karen Ellenbecker, founder and senior wealth advisor at Ellenbecker Investment Group, sits down with Dave Molenda, owner of the consulting business Positive Polarity and bestselling author, to explore this question.
In this episode, they discuss the power of employee recognition and leadership dynamics. Learn how intentional values and team engagement can drive meaningful growth and success.
Perfect for business leaders and team members looking to enhance their workplace environment.
Real Estate in Your Financial Plan
06 déc. 2025
00:47:04
Host Jamie Williams, an EIG Wealth Advisor, delves into the intricacies of real estate and estate planning with Erick Fabyan, Attorney at Haight & Fabyan, S.C.
In this episode, they explore the vital role of real estate in financial and estate planning, discussing topics such as property ownership, trusts, and the impact of estate planning on family dynamics.
Whether you're a homeowner or an investor, this episode offers valuable insights to help you navigate the complexities of real estate and secure your financial future. Tune in weekly to gain advice and practical tips from industry leaders.
Finding Gratitude
23 nov. 2025
00:45:47
Discover how praticing gratitude can reveal the invisible threads of connection in your life and remind you that you're never truly alone.
The Rising Cost of College & The Appeal of Trades
22 nov. 2025
00:42:41
Thinking abouot your child's education options? Karen Ellenbecker and Chris McGee discuss smart savings strategies and career trends.
OBBBA: What to Know Before Year-End
09 nov. 2025
00:32:21
In this episode, we break down what individuals, retirees, and high-earners need to know before year-end following The One Big Beautiful Bill Act.
Market Update
08 nov. 2025
00:43:22
Wealth Advisor Jamie Williams and CEO of Capital Market Consultants Barry Mendelson unpack the market from economic shifts to tech and AI trends, sector performance, and why gold is on the rise.
Transparent Mortgage Solutions
26 oct. 2025
00:45:17
Buying a home doesn’t have to be overwhelming. In this episode, Kristina Schnuckel, Wealth Advisor, teams up with mortgage expert Ben Revak from ProVisor, Inc. to break down the home loan process. Learn how transparency and expert guidance can make securing a mortgage stress-free for every homebuyer.
Technology Trends and Transformation
25 oct. 2025
00:46:00
How did the pandemic accelerate tech innovation, and what does that mean for businesses today? Join Karen Ellenbecker, Founder & Senior Wealth Advisor, as she sits down with strategic AI advisor Dan Burrus to explore the latest technology trends shaping industries.
Empty Nesting: Redefining Roles and Relationships
12 oct. 2025
00:43:08
Discover how parents can gracefully transition into the empty nest phase in this episode featuring Corporate Wellness Consultant Jill Butterfield.
Estate Planning: The Role of a Trustee
11 oct. 2025
00:45:17
What does it really mean to be a trustee? Heather Deaton teams up with estate planning attorney Phil Remmers to break it down in this episode
Mastering Medicare
28 sept. 2025
00:43:16
If Medicare feels confusing or overwhelming, this episode is for you. Jean Range, Senior Wealth Advisor, sits down with Jim Larson, a Licensed Independent Insurance Agent, to break down what you really need to know—whether you're approaching retirement or helping a loved one navigate coverage.
AI Scams
27 sept. 2025
00:42:31
Uncover the hidden dangers of AI scams and learn how to protect yourself from sophisticated digital deception in this episode hosted by Wealth Advisor Heather Deaton, featuring Financial Crimes Investigator April DeValkaenare.
Insurance Through The Storms
14 sept. 2025
00:45:22
Host Kristina Schnuckel is joined by Kim Acheson and MK Christensen of Robertson Ryan Insurance to discuss how recent flooding in Southeastern Wisconsin underscores the need for strong insurance coverage. They share practical tips to help you stay protected through life's unexpected storms.