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The Retirement Fiduciary Podcast

The Retirement Fiduciary Podcast

By: 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 Economics Personal Finance
Episodes
  • Beyond Buy-and-Hold: Using Technical Analysis to Manage Risk + Communicate Clearly With Clients (with David Keller, CMT)

    Beyond Buy-and-Hold: Using Technical Analysis to Manage Risk + Communicate Clearly With Clients (with David Keller, CMT)
    Feb 17 2026
    In this episode, Adam Koós sits down with David Keller, CMT (host of Market Misbehavior) for a practical conversation about using technical analysis the way advisors actually need it: to manage risk, stay disciplined, and help clients understand what's happening without jargon. You'll hear how Adam's early-career experience through the 2000–2002 bear market shaped his shift away from "hope-and-hold" messaging—toward a model-driven, trend-aware process—plus the exact types of charts he believes advisors should keep in front of them during client conversations. Episode Timestamps (YouTube Chapters) 00:00 – Welcome + why this conversation matters for advisors 01:05 – Adam's background: med school path → financial advisor (starting 10 days before 9/11)04:30 – The turning point: why "it always comes back" wasn't good enough for clients 06:45 – Why technical analysis clicked: "playoff teams" (relative strength) + "locker room" (risk-off) 10:05 – Risk management reality: tornado sirens, whipsaws, and why discipline matters 13:10 – The emotional side of advice: what clients really want during volatility 16:00 – The 3 charts Adam always wants in front of him during client meetings 20:20 – Seasonality vs trend: staying invested without ignoring August–September weakness 24:00 – Common advisor mistake: going "100% TA" (too rigid) + building better model balance 27:10 – Why Adam started coaching other advisors + the systems that drive growth 30:20 – Final takeaways + where to connect Key Takeaways 💡 Technical analysis isn't just "tools"—it's a communication advantage. Simple, visual frameworks (like a stoplight chart) help clients stay grounded. 💡 Relative strength = "investing in playoff teams." You're not predicting the Super Bowl—you're prioritizing leaders and rotating as conditions change. 💡 Risk management requires accepting false alarms. "Tornado sirens" (whipsaws) are part of avoiding the rare storms that can do real damage. 💡 Give clients as little as they need—no more. Overly complex charts can confuse instead of calm. 💡 A financial plan is the emotional anchor. Clients handle volatility better when the portfolio is connected to a real plan and clear goals. Key Quotes 🗣 "We're not trend predictors—we're trend followers."🗣 "If every investment was an NFL team, we're investing in the playoff teams… not trying to pick the Super Bowl winner."🗣 "There's about seven tornado sirens before you actually get a tornado."🗣 "Clients don't understand your candlestick chart… give them as little as they need, but no more."🗣 "When markets get emotional, clients want to know two things: 'Am I okay?' and 'Do you have my back?'" Connect With the Guest (David Keller, CMT) Website: https://www.marketmisbehavior.com/ YouTube: https://www.youtube.com/@DKellerCMT About David: Background + bio Follow and Connect with Libertas Wealth Management Facebook: / libertaswealth Instagram: / libertas.wealth Threads: https://www.threads.com/@libertas.wealth LinkedIn: / libertas-wealth Twitter (X): https://x.com/LibertasWM TikTok: / libertaswealthmanagement YouTube: / @libertaswealth Podcast YouTube Playlist: • The Retirement Fiduciary Podcast Spotify: https://open.spotify.com/show/29Jrqu0... Apple Podcasts: https://podcasts.apple.com/us/podcast... Email: info@libertaswealth.com Website: www.libertaswealth.com Phone: 614-543-1350 ________________________________________ Connect with Adam Koós LinkedIn: / adamkoos
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    43 mins
  • The Truth About ESOPs: Liquidity, Taxes, and Company Culture with Kelly Finnell

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

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

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

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

    Episode Timestamps:

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

    Key Takeaways:

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

    Key Quotes:

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

    Connect With the Adam

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

    Follow and Connect with Libertas Wealth Management:

    Facebook: https://facebook.com/libertaswealth
    Instagram: https://www.instagram.com/libertas.wealth
    Threads: https://www.threads.com/@libertas.wealth
    LinkedIn: https://www.linkedin.com/company/libertas-wealth
    Twitter: https://x.com/LibertasWM
    TikTok: https://www.tiktok.com/@libertaswealthmanagement
    YouTube: https://www.youtube.com/@libertaswealth
    Podcast YouTube Playlist: https://www.youtube.com/playlist?list=PLhkYzW1XyJA0Ef_Hf7nUCMGLSlmfHt43v
    Spotify: https://open.spotify.com/show/29Jrqu0MV1VrpRGqgm6seV
    Apple Podcasts: https://podcasts.apple.com/us/podcast/the-retirement-fiduciary-podcast/id1029927148
    Email: info@libertaswealth.com
    Website: www.libertaswealth.com
    Phone: 614-543-1350
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    35 mins
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