UnCommon Cents: Recent Episodes

Jennifer Foster

Welcome to UnCommon Cent$ a podcast fostering real conversations about money. This podcast is designed specifically for investors who want to get real about money, investing, and winning at their dreams. We'll explore what investing really is, how it works, and how it can guide you in fulfilling your purpose for your life. Ultimately, I believe profitable investing comes down to a few components.1. Creating your true purpose for your money.2. Committing to deploying award-winning investing strategies.3. Combat the roadblocks and blind spots that stand in the way of you reaching your dreams. I’m Jennifer Foster, your host, an Administrative Assistant turned Investment Advisor, American Dream Leader, and coach. With over 17 years in the financial services industry, I’ve witnessed firsthand what has worked, and sadly what didn’t. I’ll deliver real conversations about money failures, and successes. You are welcome to dive into one of the most taboo topics, money. I have worked with many families -- from the main street investor-- to the wealthy-- and I understand the things that work and the strategies that fell flat. More importantly, I understand why! I’ll be showing up for you every Wednesday 2021, so be at the edge of your seas as we look forward to the possibilities of transforming our thinking and our actions. Let’s begin our journey together. Disclaimer: This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing, Jennifer Foster, or UnCommon Cents in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter. © 2020 SmartPlan.

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Did you know that your emotional attachment to certain stocks could be a ticking time bomb in your portfolio? In this episode, we reveal the pitfalls of stockpicking and the dangers of legacy investing and employer stock investing. Countless investors are blinded by their affinity for certain shares, whether gifted, inherited, or earned through their job, overlooking the potential threats these stocks pose. Remember Enron? Those once golden shares were worthless overnight. We unravel such cautionary tales to emphasize the necessity of diversification in a sound investment strategy.

Gear up for an intriguing discussion on the Smart Plan Investing approach which includes monthly master classes and the American Dream Experience. Expect insights on the merits of an academic approach to investing and the importance of understanding destructive investing behaviors.

Hold on, we're not done yet! Navigate with us through the labyrinth of taxation and witness how diversification can be your investment's life-raft. Drawing the line between dividend and capital gains taxes, we underline the importance of a well-rounded investment strategy considering the bigger picture.

Ever pondered how dividends and capital gains tax rates could impact your financial plans? We expose the stark differences and discuss savvy approaches to reduce tax impacts when diversifying your portfolio. Finally, we introduce you to the academic approach to investing, through SmartPlan Investing and the American Dream Experience, that can help you steer clear of the detrimental behaviors linked to stockpicking and help you establish a more stable financial future. Tune in to learn, unlearn, and relearn the art of investing!

Let's embark on this journey together, breaking free from traditional investing pitfalls, and striving for more. Don't be a stranger, join the conversation now!

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

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Experience the transformative power of artificial intelligence as we expose how it's revolutionizing the business world and altering the way we live. The episode is packed with insights into how AI can bolster business efficiency, stimulate growth, and offer tailor-made solutions to cater to individual needs. We're joined by Salem, an accomplished business coach, who uses AI to boost the success of women entrepreneurs. Through Salem's enlightening experiences, we unpack how AI tools like Chat GPT and Copy Dot AI can be a game-changer in automating business operations and freeing you from routine tasks.

Let's delve into the intriguing world of AI stocks, where we unravel the history, risks, and rewards of investing in this rapidly evolving technology. Drawing lessons from the tech bubble, we guide you on navigating the tricky terrain of AI investments, marking the importance of diversification, rebalancing, and due diligence. With us, learn to recognize the investor behaviors and risks in AI investing, underscoring the significance of a well-balanced portfolio and cautious investment strategies.

Wrapping up, we leave you with actionable tips to ensure AI works best for your business and helps you stay ahead in the digital era. Learn to leverage AI for online marketing and customer engagement and understand how various AI tools can automate tasks like content creation and social media management. So, join us on this enlightening journey as we unveil the future of business efficiency and growth through AI.

Sources:
https://www.officialdata.org/us/stocks/s-p-500/2000

Sailynn Doyle
The FUN Business Coach
Passion Purpose Posture LLC
www.passionpurposeposture.com/sailynn

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The American Dream Experience presentation is based on the views of Matson Money, Inc. Other persons may analyze investments and the approach to investing from a different perspective than that reflected in this presentation. Nothing included In the American Dream Experience is intended to imply that the approach to investing espoused in this presentation will assure any particular investment results. All investing involves risks and costs. No investment strategy, including asset allocation and diversification strategies, can ensure peace of mind, guarantee profit, or protect against loss.

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Are you ready to shift your perspective on investing?

I'm Jennifer Foster, your guide on this enlightening journey through the volatile world of stocks and the trending topic of ESG investing. Together, we'll unravel the misconceptions around stock picking, examine why it can be destructive, and explore the captivating allure of big-name stocks. Plus, I'll fill you in on our free virtual masterclass events that arm you with evidence-backed knowledge to confidently navigate your financial journey.

But that's not all we're uncovering today. We delve into the intricate world of ESG investing - a strategy capturing the attention of socially conscious investors worldwide. I'll guide you through the ESG maze, discussing what it stands for, its environmental, social, and governance criteria, the varying approaches of brokerage firms, and whether it's truly aligned with your values or just another marketing ruse. We'll tackle the ethics surrounding it and uncover the reality behind this investment strategy.

We also take the time to weigh the pros and cons of ESG investing and how it could potentially safeguard your investments from massive losses. We'll journey together through real-life examples and discuss how adhering to ESG standards could have added risk. Plus, we investigate a recent lawsuit alleging fiduciary breach related to ESG investing, offering an intriguing insight into the legal and ethical considerations of ESG. Whether you're a seasoned investor or a newcomer, this episode is packed with rich insights that will transform your investment strategy. Step into the world of smart investing today.

Sources:

https://www.investopedia.com/terms/e/environmental-social-and-governance-esg-criteria.asp

https://www.thewealthadvisor.com/article/suit-says-esg-options-focus-put-401k-balances-risk?WT.i_asset_id=Retirement%206-7-23&WT.mc_id=407&WT.i_dcsvid=jen%40smartplaninvesting.com

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

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Ever felt perplexed by all the chatter surrounding dividend paying stocks? Buckle up because we're about to strip away the mystery! As your trusted investment strategy guide, I, Jennifer Foster, take you on a thrilling ride through the intricacies of dividends. Expect to encounter the good, the bad, and even the ugly as we delve into the enticing world of dividends, their pros and cons, and the often misunderstood concept of dividend yields.

Hold on tight, as we traverse the tumultuous times of 2008 and 2009, when major banks drastically diminished their dividends, laying bare the inherent risks. By the close, you'll be armed with a wealth of knowledge on dividends and a fresh perspective on how to incorporate them into your investment strategy. Plus, get ready for an introduction to our free virtual master class events and the American Dream Experience, where Nobel Prize winners in economics share their wisdom. So, let's gear up to revolutionize our approach towards money and investing.

Sources:
https://en.wikipedia.org/wiki/Dutch_East_India_Company

https://www.investopedia.com/terms/d/dividend.asp

https://en.wikipedia.org/wiki/Dividend

Disclaimer:
The American Dream Experience presentation is based on
the views of Matson Money, Inc. Other persons may analyze
investments and the approach to investing from a different
perspective than that reflected in this presentation. Nothing
included In the American Dream Experience is intended to imply
that the approach to investing espoused in this presentation will
assure any particular investment results. All investing involves
risks and costs. No investment strategy, including asset allocation
and diversification strategies, can ensure peace of mind,
guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

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What if you could comprehend the complexities of modern portfolio theory and behavioral finance, while simultaneously exploring the concept of the American Dream? And what if you could do all this guided by the wisdom of renowned economist, Dr. Harry Markowitz? We proudly dedicate our latest episode to the monumental contributions of Dr. Markowitz, whose influential work has significantly shaped our portfolio strategy at SmartPlan Investing. From examining his breakthrough research on portfolio risk, we honor the legacy of this Nobel laureate.

But, that's not all. We're extending our conversation to draw similarities between portfolio engineering and structural engineering. The risks inherent in both investing and adventure tourism are critically examined, asking whether we fully understand the dangers we're signing up for. Finally, we introduce the American Dream Experience – a chance at transformation and realization of your dreams. Tune in as we pay homage to Dr. Markowitz, delve into risk management, and explore the path to your very own American Dream.

Sources:
https://www.npr.org/2023/06/21/1183408455/oceangate-safety-concerns-titan-submersible?live=1

https://apnews.com/article/titan-titanic-submersible-design-49b8c2a713f316ce5987a394a27d23e8

https://www.npr.org/2023/06/21/1183408455/oceangate-safety-concerns-titan-submersible?live=1

https://www.matsonmoney.com/remembering-dr-harry-markowitz/

Disclaimer:

Academic Advisory Board members receive compensation from Matson Money for their services which include, but are not limited to, independent leadership consulting; co-authoring white papers; and speaking at Matson Money conferences. Advisory Board members may also provide insight to Matson Money on portfolio construction, asset allocation, quantitative analysis, investor behavior and other areas of expertise, as needed.

Markowitz, Harry. Portfolio Selection: Efficient Diversification of Investments. New York. Wiley. 1959. Print.

www.nobelprize.org

The Nobel Memorial Prize in Economic Sciences, commonly referred to as the Nobel Prize in Economics, is an award for outstanding contributions to the field of economics, and generally regarded as the most prestigious award for that field.

Markowitz, Harry. “Portfolio Selection.” Journal of Finance. 1952.

Harry Max Markowitz is an American economist, and a recipient of the 1989 John von Neumann Theory Prize and the 1990 Nobel Memorial Prize in Economic Sciences. Markowitz is a professor of finance at the Rady School of Management at the University of California, San Diego.

1. Harry Markowitz, Nobel-Winning Pioneer of Modern Portfolio Theory, Dies at 95. The New York Times. Published June 25, 2023. Retrieved from:

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This website is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

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What happens when a fitness instructor decides to transition into the world of Real Estate? Join us as we chat with Maria, a successful Real Estate agent who made the leap and has never looked back. With her adorable daughter Genesis by her side, Maria shares her fascinating journey from working at her family's renowned real estate brokerage to joining Keller Williams and starting her own team, Best Home Ever.

In this heartfelt conversation, we explore the ins and outs of the real estate market, from timing your home purchase to choosing the right property for investment. Maria offers valuable insights on the benefits of investing in properties that can be rented or sold for a profit, and the importance of a strategic location for Airbnb success. We also discuss the critical role of a reliable property manager, tax benefits, strategies for investing, and Maria's inspiring endeavor to start a nonprofit in honor of her mother. Don't miss out on this engaging, informative, and heartwarming episode!

Maria Termotto-Horwitz
Best Home Ever Palm Beaches
Village Management Services
2901 PGA Blvd Unit 100
Palm Beach Gardens, FL 33410

Phone: (561) 779-9452
Email: besthomeeverteam@gmail.com
Website: http://besthomeever.kw.com & https://villagemaint.com/
Instagram: https://www.instagram.com/myrealtorcouple
Facebook: https://www.facebook.com/besthomever
Download my KW App to explore all homes that are active! -> https://www.kw.com/download/KW1L0L5BR

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This website is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

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What if I told you there's more to the current housing market than meets the eye, and that the right loan options can make all the difference? Discover the secrets behind today's market with our amazing guest, Leah from Leah Lending with Leah. We dive deep into the differences between the market prior to the 2008 crash and now, exploring consumer protection regulations, supply and demand, and the presence of stated income and no verification loans. Plus, find out if there's any truth to the idea that the current market feels like a bubble.

Real estate investing is more accessible than ever, and you don't want to miss out on the perfect time to make your move. Leah and I uncover the correlation between inflation and mortgage rates, as well as the consequences of the Federal Reserve manipulating these rates. We also share invaluable tips for homebuyers, such as how to leverage down payment assistance programs and why you shouldn't use all your liquid cash.

Ever wondered if FHA loans are right for you? Leah and I break down the pros and cons of the Federal Housing Administration (FHA) loan system and how it compares to other loan options like conventional loans, Fannie Mae and Freddie Mac loans, and VA loans. We even debunk the misconception of the first-time homebuyer credit and reveal whether it's likely to be extended into 2023. Don't miss this insightful conversation packed with essential knowledge and expert advice for navigating the housing market.

Leah Bunning, Producing Sales Manager with Level 10 Mortgage & owner of the Lending with Leah podcast
LendingwithLeah@gmail.com
FB: Leah Bunning
IG: @LendingwithLeah
YouTube: Lending with Leah
Tik Tok: LendingwithLeah

NMLS # 1741305
Mobile (480) 276-2302

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This website is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

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In this episode I cover a topic that is on many American’s minds and that is the National Debt and whether the government is going to raise the debt ceiling or not, and what this means to many of us.

Many Americans and investors are experiencing extreme anxiety and fear. We don’t have just Economic and political fears that we are dealing with, but personal fears as well (such as deaths, divorce, depression, financial hardship, personal injury or illness and many more issues.

When we watch the news, they can lead us to believe we are facing an Economic Armageddon! The news channels and media outlets need you tuning in to stay on the air, and they know how to use your own brain against you.

Sources for content mentioned in this episode:

Has the U.S. ever defaulted on its debt over failure to raise the debt ceiling?

THE SOURCES

  • The Council of Economic Advisers (CEA), an agency in the Executive Office of the President
  • The Congressional Research Service
  • Bipartisan Policy Center
  • Gary Richardson, Ph.D., professor of economics at the University of California Irvine
  • Thomas Kahn, distinguished faculty fellow at American University’s Center for Congressional and Presidential Studies

https://www.cbs8.com/article/news/verify/economy-verify/us-default-history-debt-ceiling-fact-check/536-fac80bee-680e-4ef9-a086-c02343cb1552

https://usafacts.org/articles/whats-the-history-of-debt-ceiling-increases-in-the-us/?utm_source=google&utm_medium=cpc&utm_campaign=ND-Economy&gclid=CjwKCAjw67ajBhAVEiwA2g_jEDgxiwjLSX0IQzJRjHbdcvwcl2nNuL24gGnowyIrtzU3rdt9_7dYYxoCh3YQAvD_BwE

https://en.wikipedia.org/wiki/United_States_debt_ceiling#:~:text=The%20U.S.%20has%20never%20reached,including%20the%20Treasury%20were%20burned.

https://usafacts.org/data/topics/economy/economic-indicators/economic-indicators-and-actions/inflation-rate-yearly-average/?utm_source=google&utm_medium=cpc&utm_campaign=ND-StatsData&gclid=CjwKCAjwscGjBhAXEiwAswQqNF4VtV4VKLEGSk39ggeN_bRhh6P7_u6daoyEpQ27x0wacMpHPf1XzhoCHakQAvD_BwE

S&P 500 Holdings do change from time to time. You can check out the current holdings here: https://www.slickcharts.com/sp500

https://www.techtarget.com/searchenterpriseai/definition/cognitive-bias

For full disclaimer see transcripts or visit: https://smartplaninvesting.com/podcast

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In this episode of UnCommon Cents I talk with Estate Attorney Nicole Loughlin of Loughlin Law P.A. about the importance of Guardianship and Estate Planning and avoiding pitfalls so you can have an opportunity to have peace of mind that you, your kids and your estate will be honored by your wishes.

Disclaimer Loughin Law: This podcast contain general information which is not intended to be specific legal advice. If you need specific legal advice, please seek advice from a licensed attorney 

Disclaimer SmartPlan Investing: This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This website is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

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In this episode, my guest and I discuss several options for saving for college or for a Child's future.

We discuss:
FL Prepaid / 529 Savings
Coverdell ESA & UGMA/UTMA
and more...

How much do you need to saving in a 529 plan? Check out this College Savings Calculator here.

You can reach me or one of my team members at 561-744-9516

Visit us online at www.UnCommon-Cents.com
Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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In today's episode, we are discussing how to "Master Our MasterCard".
Is it possible to get all the benefits while reducing the dangers that come with credit card use? I believe so, and I will share my tips to Mastering your MasterCard rather than it mastering you.

Visit www.RichChickJen.com for the Savvy Wealth Management Course

Join the UnCommon Cents Facebook group here.

Follow me on Instagram @ RichChickJen

Contact me at jen@smartplaninvesting.com

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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It's St. Paddy's Day!

On today's episode I talk about my surprising ancestry, guess what? I'm Irish. We'll explore the history of St. Patrick's Day. Who is St. Patrick and why do some drink to celebrate? We'll look at some other fun facts too. Oh yeah, and many Americans are seeing green today and I don't mean for St. Paddy's Day. Many are discovering a little pot of gold in their bank accounts or mailboxes. Listen as I share my 10 top ways to spend your stimulus money these days.

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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On today’s show I’m going to share three simple rules to investing that I follow, the three things I avoid, and break down an academic investing strategy I utilize.

Is this just a passing fad?

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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**Since we are in tax season we are going to explore a little history of how income taxes came to be, and how you can legally, morally, and ethically pay less of them? I don’t know anyone who likes to pay taxes, but there are ways you can reduce your fair share.

No one wants to pay more than they need to, so there are many ways to reduce one’s tax liability and one way is by funding one's retirement. In addition to funding a 401(k), you may be able to fund a Traditional, Roth, or Both. Some may need to fund the Roth using the backdoor method.*https://www.irs.gov/retirement-plans/ira-deduction-limits* NOT covered by a plan at work https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-not-covered-by-a-retirement-plan-at-work**

If you ARE covered by a plan at work

https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work

Are you a small business owner or self-employed, you may want to contribute more than 6 or 7 thousand a year. I’ll chat briefly about the SIMPLE IRA, SEP-IRA, and Solo 401(k).https://www.irs.gov/retirement-plans/one-participant-401k-planswww.uncommon-cents.com

Join the UnCommon Cents Facebook group here.

Follow me on Instagram @ RichChickJen

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor that has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartP

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Today we're going to take a look at what lessons we can learn from a professional athlete. I was reading an article about a professional athlete's diet and fitness routine.The article went on the detail his daily routine as well and here I found some very helpful distinctions we can borrow for our lives.www.uncommon-cents.com

Join the UnCommon Cents Facebook group here.

Follow me on Instagram @ RichChickJen

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor that has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee a profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not necessarily represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are not a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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In this episode of UnCommon Cent$, I go backstage to have a real conversation with my team member Robroy Wiley about debt mindset. We also will talk about the implication of the extension of the CARES Act repayment of Student Loans and interest charges relief extended through September 30, 2021, by President Biden.

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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In this episode of UnCommon Cent$, I go backstage to have a real conversation with my friend and a fellow Advisor/Coach about faith, family, finances and how his purpose saved his life.

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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In today's episode, we talk about money mindset, budgeting, and credit repair hacks. This episode is packed full of UnCommon cents.

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor that has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing, taxes, or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations, can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessesarily represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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In this episode of UnCommon Cents we are talking Investing Lingo.

Have you ever been in a conversation when other starts talking about investing, and you had no idea what they were talking about?

Do you ever wish you could join in on those conversations with confidence?

You can. Stay tuned as I teach you what I know.

Before you know it you can be a walking, talking, Financial Ninja.

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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In this week's episode, we are going backstage to explore one of the common investing myths. A myth is something we believe to be true, but when it comes to investing something are just not the way they appear. The first myth is a common investing pitfall and is can be destructive. Join us as we dive into the first myth, Stock Picking.

Join the UnCommon Cents Facebook group here.

Follow me on Instagram @ RichChickJen

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

Publish: Jan. 20, 2021 @ 1PM Edit

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Join me backstage in this new year to have a real conversation about what else? Resolutions, goals, and better yet our uncommon solutions to discovering the power to fuel your resolutions and goals.

I have a complimentary Weekly Commitment Guide that you could download by visiting us online at www.Uncommon-Cents.com

If you decide to do this exercise, we want to hear how it is working out. Email us at info@smartplaninvesting.com And be sure to put UnCommon Cents-Goals in the subject line.

You can follow me on Instagram at @RichChickJen

Join the UnCommon Cent$ Facebook group here.

Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation that was conducted live online on their computer monitor at home. SmartPlan Investing's presentations often depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, SmartPlan Investing will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

Past performance is no guarantee of future results. All investing involves risks and costs and clients may experience a loss. SmartPlan Investing will therefore provide any GIPS composites or footnotes/endnotes to viewers upon request. Additional information, including GIPS composites referenced in presentations can also be obtained from the SmartPlan Investing website as well as mutual fund prospectuses and other reports related to our investments.

All investing involves risks and costs. Your advisor can provide you with more information about the risks and costs associated with specific programs. Your advisor is not affiliated with Matson Money, Inc. No investment strategy, including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.

This is not an offer or sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This podcast is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by SmartPlan Investing in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information should not be construed as financial or investment advice on any subject matter.

The thoughts and opinions of guests do not nessasarry represent the ideas of SmartPlan Investing. You should seek professional advice on any subject matter.

Any securities mentioned are no a recommendation, for recommendations seek advice from a professional.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS

© 2020 SmartPlan. All rights reserved.

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Welcome to Uncommon Cents, a podcast fostering real conversations about money. This podcast is designed specifically for eager investors who want to get real about money, investing, and winning at their dreams. I'm Jennifer Foster, your host, a former Administrative Assistant turned American Dream leader and Investing Strategy coach. With over 17 years in the financial services industry, I've witnessed firsthand what worked and, sadly, what didn't. I'll go backstage each Wednesday with friends to have real, honest, and uncommon conversations about one of the most important and taboo topics- money. My goal is to give you down to Earth episodes filled with uncommon sense so that you have an opportunity to discover something new. Be at the edge of your seat as we unleash the possibilities of transforming your thinking and actions so that you can gain confidence and win at your personal financial journey.

So let's begin this journey together.In this episode of UnCommon Cents, I give you an opportunity to get to know me. A girl who should have never graduated High School, from being pregnant and homeless to becoming one of the Premier Investor Coaches of South Florida and how we can begin a journey to transforming our thinking and actions around money and investing.

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I want to thank you for joining me on the very first episode of UnCommon Cents and in the holiday spirit, I have a free gift for you. It is a checklist on the

7 Savvy Steps for Slaying Credit Card DebtYou can get your copy by visiting us online at

www.uncommon-cents.com and you can download the checklist.

Join the UnCommon Cents Facebook group here.

Follow me on Instagram @ RichChickJen

I look forward to seeing you each week in 2021.

Have a blessed holiday season!
Disclaimer:
Financial Planning Counselors, Inc . DBA SmartPlan Investing “SmartPlan” is a state registered investment advisor which has been in business since 1984. Content is based on the views of the host. Other persons may analyze investments and the approach to money, investing , taxes or other subjects from a different perspective than that reflected. Nothing included herein is intended to infer that the approach to investing espoused in our social media will assure any particular investment results.

Presentations conducted online pose a number of issues that i