Time, Talent, Treasure Radio: Recent Episodes
Jerrid Sebesta
Ben Taatjes and Jerrid Sebesta of Taatjes Financial Group in Willmar, MN build purposeful retirement plans that help you steward your life, money and retirement.
In this week's episode, Certified Financial Planner Claire Molden joins host Ben Taatjes to discuss a new opportunity for families to begin building wealth for the next generation. Whether you're a parent, grandparent, or simply planning for your family's future, this episode highlights practical strategies to help the next generation get off to a strong financial start.
In this week's episode, host Ben Taatjes and financial advisor Jonathan Schoffner discuss why protecting your assets is an essential first step in any financial plan. They cover the importance of regularly reviewing health, homeowners, and auto insurance, highlighting common coverage gaps that can leave families financially vulnerable. The conversation emphasizes that insurance isn't something to set and forget—it should be reviewed alongside your financial plan to ensure you're protecting what you've worked so hard to build.
In this episode of Time, Talent, Treasure Radio, host Ben Taatjes reflects on the first year since rebranding Taatjes Financial Group to Stewards Planning Group. He shares the vision behind the name change, the firm's renewed emphasis on financial planning rooted in stewardship, and the three core questions every financial plan should answer: What am I stewarding? How much is enough? And what should I do with the rest? Ben also discusses the firm's recent growth, new team members, and its continued commitment to helping clients steward their time, talent, and treasure with purpose.
Following up on last week's conversation on the radio show, host Ben Taatjes and financial advisor Kendra Peterson explore the deeper questions behind financial planning and stewardship. They discuss why understanding your relationship with money, your upbringing, and your financial goals can lead to more meaningful planning decisions. The episode serves as a reminder that wealth is more than something to accumulate. It's a tool to support your values, care for your loved ones, and make a lasting impact.
This week, host Ben Taatjes and financial advisor Kendra Peterson discuss why every asset you own should have a clear purpose. Building on last week's conversation about the flexibility of 529 plans, they explore the three-step Stewards Plan process: understanding what you're stewarding, determining what you need now and in the future, and deciding what to do with what's left. They also share how organizing your assets into one comprehensive view can provide clarity, reveal new planning opportunities, and help families steward their wealth with greater intention. Whether you're planning for retirement, future generations, or charitable giving, this episode offers practical insights to help you make every dollar count.
In this episode of Time, Talent, Treasure Radio, host Ben Taatjes and financial advisor Jonathan Schoffner discuss "financial infidelity"—the act of being dishonest or non-transparent about money with a spouse. They explore how small habits, like misreporting purchase prices or hiding accounts, can erode trust and create misalignment in a relationship. To combat this, they emphasize the importance of a team approach to financial planning, suggesting that couples meet with advisors together and have open conversations about their upbringing and financial goals to ensure long-term alignment and trust.
This is an episode is a conversation between Ben Taatjes, Financial Advisor, Founder & CEO of Stewards Planning Group, and Jonathan Shofner, CRPC®, Financial Advisor at SPG. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services LLC nor any of its representatives may give legal or tax advice. 1104 19th Ave SW Willmar, MN 56201320-222-4236
Ben Taatjes and Jonathan Shofner explore tax review as a forward‑looking exercise rather than merely a compliance task — even revisiting Ben's 2002 returns to trace how investments and strategies have evolved over time. Jonathan also brings exciting news: he is now a Chartered Retirement Planning Counselor®. This designation reflects Stewards Planning Group's commitment to excellence and ensures their advisors remain exceptionally equipped to serve clients.
This is an episode is a conversation between Ben Taatjes, CKA®, Financial Advisor, Founder & CEO of Stewards Planning Group, and Jonathan Shofner, CRPC®, Financial Advisor at SPG. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services LLC nor any of its representatives may give legal or tax advice. 1104 19th Ave SW Willmar, MN 56201320-222-4236
Ben Taatjes and Jonathan Shofner explore tax review as a forward‑looking exercise rather than merely a compliance task — even revisiting Ben's 2002 returns to trace how investments and strategies have evolved over time. Jonathan also brings exciting news: he is now a Chartered Retirement Planning Counselor®. This achievement reflects Stewards Planning Group's commitment to excellence and ensures their advisors remain exceptionally equipped to serve clients.
This is an episode is a conversation between Ben Taatjes CKA®, Founder & CEO of Stewards Planning Group, and Jonathan Shofner, CRPC®, AAMA®, Financial Advisor at SPG. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
Ben Taatjes and Jonathan Shofner explore tax review as a forward‑looking exercise rather than merely a compliance task — even revisiting Ben's 2002 returns to trace how investments and strategies have evolved over time. Jonathan also brings exciting news: he is now a Chartered Retirement Planning Counselor®. This achievement reflects Stewards Planning Group's commitment to excellence and ensures their advisors remain exceptionally equipped to serve clients.
This is an episode is a conversation between Ben Taatjes, Founder & CEO of Stewards Planning Group, and Jonathan Shofner, CRPC®, Financial Advisor at SPG. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
With tax season behind them, Ben Taatjes and Kendra Peterson of Steward's Planning Group discuss using the post‑filing lull to tackle meaningful financial projects—particularly estate and wealth‑transfer planning. They outline the StewardsPlan™'s three steps (catalog your assets, determine current and future income needs, then decide how to allocate the remainder) and walk through a real client example where beneficiary designations were rearranged so a tax‑burdened IRA benefits a church while life insurance passes to family. Practical, relationship‑driven advice for turning tax‑season momentum into thoughtful, tax‑efficient stewardship.
This is an episode is a conversation between Ben Taatjes, Founder & CEO of Stewards Planning Group, and Kendra Peterson, CRPC® Financial Advisor at SPG. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
In this episode, Ben Taatjes and Jonathan Shofner discuss the April 15 tax filing deadline, that extensions apply to filing NOT payments, how the firm shifts from tax work to deeper planning afterward, and why life changes—like a child moving—require updates to estate documents and powers of attorney. They cover special-needs trusts and outline the StewardsPlan™: inventory what you steward, determine current and future income needs, and decide how to use any surplus for intentional wealth transfer to heirs or charities.
This is an episode is a conversation between Ben Taatjes, Founder & CEO of Stewards Planning Group, and Jonathan Shofner, Financial Advisor at Stewards Planning Group. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
Founder Ben Taatjes and Stewards Planning Group Advisor, Jonathan Shofner, touch on the topic he pulled from a Pastor's sermon, Familiarity. Ben and Jonathan dive into how familiarity and comfort may be dangerous when it comes to financial planning. They believe that strategies that have worked in the past, may not be applicable today. Listen to them discuss how your financial plan should evolve with you.
This is an episode is a conversation between Ben Taatjes, Founder & CEO of Stewards Planning Group, and Jonathan Shofner, Financial Advisor at Stewards Planning Group. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
If you've ever wondered whether your charitable giving actually impacts your taxes, this episode brings some timely clarity. Ben Taatjes and Jonathan Schaffner break down itemizing vs. the standard deduction and a new 2026 rule that allows charitable deductions without itemizing, along with what qualifies and how to give more intentionally.
Tax season has a way of sneaking up, but there's still time to make a few smart financial moves before the deadline. In this episode, Ben Taatjes and Jonathan Shofner share three simple but impactful strategies to consider before filing to help you make the most of your money and head into the next year with a stronger plan in place.
In this episode, Ben Taatjes and Jonathon Shofner walk through one of the most common questions retirees face: when and how to take required minimum distributions. They share practical guidance on whether to take your RMD all at once or spread it out, how these decisions can affect your taxes, and how strategies like Roth conversions and charitable giving can fit into your overall plan—helping you feel more confident and in control of your retirement income.
This week, Ben Taatjes and Jonathan Schaffner discuss the recent market volatility driven by global headlines and why it's important not to let fear dictate financial decisions. They break down what actually drives the market, what investors can and can't control, and how having a clear financial plan can provide confidence and peace of mind during uncertain times.
On this episode, Ben Taatjes and Kendra Peterson of Stewards Planning Group explain the difference between simply having wealth and confidently turning it into income. They walk through their three-step Steward's Plan process and share how intentional financial planning can give retirees the freedom to spend, give, and create meaningful family memories without fear of running out of money.
Through real client experiences, Kendra Peterson highlights how careful planning and organization transform complicated financial details into clarity and peace of mind for families. Planning isn't just about money—it's about preparing your loved ones for the future.
Ben Taatjes and Jonathan Shofner dive into the importance of understanding where your money goes—especially in retirement. By reviewing taxes, creating a spending plan and planning for retirement income can provide clarity and the freedom to use resources intentionally for the life you want.
Stewards Planning Group continues to grow with the addition of advisor Jonathan Shofner, who recently relocated from Texas to Minnesota to serve clients in a more personal and purposeful way. Drawing on lessons from his grandmother and years of experience in the financial industry, Jonathan brings a perspective that sees money as a tool—not the finish line.
What does it really mean to grow as a firm and as a steward? In this episode, Ben Taatjes sits down with Chief Growth Officer Mike Kobs to explore why true growth isn't about revenue or assets, but about people. This conversation is a reminder that stewardship is about impact and using this season of life to make a meaningful difference.
As a new year begins, Ben Taatjes reflects on the generosity of Stewards Planning Group clients and the power of viewing money as a tool, not a goal. He introduces the concept of "assets under mission"—how giving, thoughtful planning, and intentional stewardship turn money into meaningful impact.
Inspired by Atomic Habits and insights from Stewards advisor Claire Molden, this first episode of the year explores what's "in" and what's "out" for 2026—from using money as a tool and creating meaningful experiences to letting go of fear-based saving and unclear goals.
Are you coasting into retirement—or truly planning for it? In this episode, Ben Taatjes explains why "drifting" in retirement can be riskier than making mistakes and how to steward your money with purpose.
In this episode, Ben Taatjes does a solo reflection on stewardship at the close of 2025. A thoughtful reminder that good stewardship isn't just about what we accumulate—but what we choose to do with what's left.
From inspiring community connections to giving back with purpose, this episode shows that stewardship isn't just about money—it's about living intentionally, making memories, and leaving a legacy.
In this throwback episode Ben Taatjes and Jared Sebesta get back behind the mic together for a reflective and energizing conversation on stewardship, purpose, and living fully. The two revisit their journey working together, discuss stepping into who you're called to be, and explore how stewarding your time and talents can lead to a more meaningful life at any age.
Ben Taatjes and Claire Molden continue their conversation from last week regarding the One Big Beautiful Bill Act and it's changes it has brought to the table for those taking RMDs and QCDs.
Ben Taatjes is joined in the studio today by one of his talented advisors, Claire Molden. Claire brings her knowledge to the table on this week's episode as they discuss the changes made from the One Big Beautiful Bill Act (OBBBA). Join us for part one of this discussion.
This week's episode of Time Talent Treasure Radio is a bit different than the rest. Ben Taatjes records a solo episode and reflects back on gratitude and what we have been praying for might be right under our noses.
In the studio today, Matt Hoekstra joins Ben Taatjes for another episode of Money Mindset with Matt. As the year comes to a close, they discuss the concept of RMDs and how we can utilize QCDs as a strategy. Tune in the this thought provoking episode.
As a follow up episode with Sean Levesque, him and Ben Taatjes discuss all the ways a person can get involved with Youth for Christ and how their volunteers small acts of kindness affect the wellbeing of the kids. Listen and find out how you can get involved.
This week's episode of Time Talent Treasure Radio is a special one. Rather than a talented advisor, Ben Taatjes is joined by Sean Levesque, Executive Director of West Central Minnesota Youth for Christ. Ben and Sean sit down and talk about the upcoming Pickleball tournament fundraiser for YFC. They also touch on some of the work YFC has been doing recently to better the lives of the youth in our community.
It's the start of the final quarter of 2025, and Ben Taatjes is sitting down with Claire Molden in the studio to unpack one of the most talked-about retirement strategies — the Roth Conversion. What is it? Why do so many people use it? And how could it impact your financial future? Learn how this powerful financial tool can shape your retirement strategy.
Matt Hoeskstra joins Ben Taatjes in the studio for another edition of Money Mindset with Matt. They spoke about how they teach to utilize money as a tool, rather than a collectible. Matt shares stories about clients who grow wealth and use that wealth to work for them.
Kendra Peterson, CRPC™ joins Ben Taatjes this week to discuss and promote her upcoming seminar titled The StewardsPlan™ Seminar. The event will take plan on October 16th. Tune in to listen about the purpose, process and presentation of The StewardsPlan™.
When it comes to planning, Claire Molden, CFP® has helped many clients feel prepared and ready for the future. She joins Ben Taatjes in the studio today as they discuss the top questions they ask clients as they prepare for the unexpected.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
Just like recent weeks, Ben Taatjes is joined in the studio by Tim Mattern who shares a real life story about a client he recently met with who had a big life change. Tim's was confident in being able to help, knowing he has the Stewards Plan™ in his toolbox.
With so many people going through unimaginable life changes, Kendra Peterson discusses with Ben Taatjes the importance of having a plan and communicating those plans with our loved ones. Every day, they come across clients who are 'in the dark' when it comes to their financial freedom and by utilizing the Stewards Plan we can shine as much light on it as possible.
With a Master's in Psychology, Matt Hoekstra is able to utilize his degree in his current role as a Financial Advisor. He shares some stories from clients who have dealt with conflict when it comes to inheritances.
While on the topic of educational planning, Ben Taatjes and Claire Molden touched on a new way of saving; the MAGA (Money Account for Growth & Advancement) account was introduced this year and Claire gives us insight on how this changes things for the future generations and how they view money.
In the studio with Ben Taatjes, Claire Molden anticipates the upcoming school year with her own kids, but also shares some insight into the tools we can utilize as parents and grandparents. These tools include the 529 investment account that is used by thousands of Americans.
This week's episode features Tim Mattern, in studio with Ben Taatjes, discussing the importance of having a plan when it comes to stewarding our wealth and knowledge to kids and grandkids. They also discuss the changes seen with the Big Beautiful Bill.
In this month's episode of Money Mindset, Matt Hoekstra joins Ben Taatjes in the studio and shares real life stories about clients who discovered that their wealth could help them meet their goals and how the Stewards Plan helped them navigate their wealth.
In this week's episode of Time, Talent, Treasure Tadio, Ben Taatjes is joined by Kendra Peterson to discuss the importance of financial planning and how we can plan for the future. Kendra shares her knowledge and experience by giving us insight.
Tim Mattern joins Ben Taatjes again in the studio to go a bit deeper into the changes with the One Big Beautiful Bill. Tim shares his knowledge and expertise to show how it affects the average American and how we can utilize these changes to our advantage.
Tim Mattern joins Ben Taatjes in the studio as they discuss quarter 2 changes and what the 'Big Beautiful Bill' does to our investments.
On this episode of Time Talent Treasure Radio, Matt Hoekstra joins Ben Taatjes in the studio for a special edition of Money Mindset with Matt Hoekstra. Matt shares some shocking statistics and research done on children and the effects that wealth has long term. Tune in today.
Join us as we explore Matt's background and how he utilizes that in his conversations with clients.
Kendra Peterson joins Ben Taatjes in the studio today as they discuss her passion for giving back to the community and how retirees can add value to their community and lives.
This episode of Time Talent Treasure radio brings advisor, Matt Hoekstra, in the studio as he introuduces a new series while we get insight into his background and passion as an advisor.
In the final episode of our Time, Talent, Treasure Radio rebrand series, Claire Molden returns to the host seat to interview Ben Taatjes for the big moment: the official announcement of our new name. 🎉
Ben shares the heart, the process, and the team conversations that led to this meaningful choice, rooted in purpose, growth, and the people we serve.
On this week’s Time, Talent, Treasure Radio, host Ben Taatjes continues the conversation about the firm’s upcoming rebrand. He’s joined by financial advisor Matt Hoekstra, who shares his personal view on stewardship and how it shapes the way he serves clients every day.
On this week’s Time, Talent, Treasure Radio, host Ben Taatjes shares a glimpse into the future of the firm’s name change, what’s coming, and why it matters. He also sits down with Tim Mattern to ask a core question: What does stewardship mean to you? Tim offers a heartfelt perspective on what it truly means to guide others with purpose, care, and responsibility.
This week on Time, Talent, Treasure Radio, host Ben Taatjes sits down with Claire Molden to ask a simple but powerful question: What does stewardship mean to you? Claire shares her personal perspective on living with purpose and responsibility. This is the first in a special series where Ben will be asking each advisor on the team to reflect on the meaning of stewardship in their work and lives
In a special episode of Time, Talent, Treasure Radio, the tables turn as financial advisor Claire Molden interviews host Ben Taatjes about a major decision: why the firm is changing its name. Ben shares the heart behind the change, what it means for the future, and how it reflects their mission to better serve clients with clarity and purpose.
This week on Time, Talent, Treasure Radio, host Ben Taatjes and Matt Hoekstra talk about helping clients shift their mindset from saving for “someday” to realizing that someday is now. They also discuss why you should never pass on wealth without first passing on wisdom and share an eye-opening statistic: the average inheritance is received at 64 years old.
On this week’s Time, Talent, Treasure Radio, host Ben Taatjes and Tim Mattern close out Financial Literacy Month with an important conversation about trust and understanding in financial planning. They share why it's not enough for clients to trust them—they also want clients to understand what’s happening with their finances and grasp the key difference between wealth and income.
This week on Time, Talent, Treasure Radio, host Ben Taatjes and Matt Hoekstra talk about the current market volatility and why it’s crucial to always be prepared. They share how they guide clients with a proactive approach, not reactive fear. Plus a reminder: money is a tool, use it to create experiences, build memories and live life intentionally.
On this week’s Time, Talent, Treasure Radio, host Ben Taatjes has on Matt Hoekstra to unpack a study on how prolonged media exposure can increase stress, especially when it comes to money. They explore why obsessing over one thing (like the market) can actually make you feel worse, and why the best move is often the simplest: make a solid financial plan and stick to it.
In this show of Time, Talent, Treasure radio, host Ben Taatjes is joined by Tim Mattern as they dive into market volatility and continue the conversation on your personal economy. Learn why the #1 thing you can control is your own household, especially in uncertain times.
Ben welcomes Tim Mattern to kick off Financial Literacy Month. They dive into the importance of income control and how to take charge of your personal economy.
On this episode of Time, Talent, Treasure Radio, Ben Taatjes and Claire Molden welcome special guest Brenin Molden, CPA, for a conversation about their professional journeys. Claire shares her path to becoming a CFP®, Brenin explains what it takes to earn a CPA designation, and Ben dives into his role as a Certified Kingdom Advisor®. Learn what these credentials mean, the expertise they bring, and how they help clients make informed financial decisions with confidence and purpose.
On this episode of Time, Talent, Treasure, Brenin Molden breaks down common tax mistakes that could be costing you money and how to avoid them. Later, Brenin and Claire Molden dive into the concept of creating more income to strategically fill up your tax bracket.
On this episode of Time, Talent, Treasure Radio, Ben Taatjes and Claire Molden welcome special guest Brenin Molden, CPA, to explore the differences between Roth and Traditional retirement accounts. They discuss which option is best in today’s tax climate and why many retirees are shocked by their tax bills during tax season. Ben also highlights the importance of financial advisors and CPAs working together to create better tax strategies.
On this episode of Time, Talent, Treasure Radio, Ben Taatjes welcomes Claire Molden and special guest Brenin Molden, CPA and partner at Bonnema, Molden, Wrede PLLP. As tax season ramps up, Brenin provides valuable insights on key tax strategies, including Roth conversions and the impact of tax sunsetting.
In this episode of Time, Talent, Treasure, Matt Hoekstra and Ben break the myth that financial success requires perfection. They discuss how setbacks and mistakes don’t have to mean financial ruin and why developing a healthy money mindset early in life is key. Through practical insights and real-life examples, they explore how to build confidence in your financial journey, without the pressure of getting everything exactly right.
On this episode of Time, Talent, Treasure, Matt Hoekstra and Ben explore the emotional and financial dynamics of money. They share the story of a couple who grew up as spenders rather than savers and how their mindset shaped their relationship with money. They also speak with a young couple struggling with loss after a friend's passing, discussing the impact of grief on financial priorities. Together, they unpack the challenge of living for today while saving for tomorrow; finding the right balance between enjoying life and preparing for the future.
On this radio show of Time, Talent, Treasure, Matt Hoekstra sits down with Ben to discuss challenges facing a young business owner who focuses on living conservative and not taking full advatage of opportunities. They also discuss common fears people face, including running out of money or passing away with too much. They explore how overcoming these fears can lead to a life of impact and fullfillment.
In this radio show of Time, Talent, Treasure, Ben and Matt dive into Matt's unique career journey, where his background in psychology & therapy has seamlessly transitioned into his current role as a financial advisor. Matt shares insights on how his understanding of human behavior and emotional well-being helps him navigate complex financial decisions with clients.
In this episode of Time, Talent, Treasure Radio, Claire Molden dives into how small, intentional changes can lead to massive transformation in the new year.Ben explores how even the smallest efforts can create a ripple effect that brings about positive change, both personally and professionally. Together, they discuss the importance of stewarding wealth through small, consistent changes that lead to greater financial stability and success.
In this episode we are joined by Claire Molden, CFP®, who takes us through her journey to becoming a Certified Financial Planner®. Claire shares the rigorous process she went through to earn this prestigious designation. She also explains how being a CFP® enhances her ability to provide personalized, expert financial advice to her clients, ensuring they make informed decisions about their time, talent, and treasure.
In this radio show of Time, Talent, Treasure, Tim Mattern sits down with Ben to discuss the importance of setting realistic New Year’s resolutions, especially when it comes to your finances. Tim emphasizes the power of taking baby steps to create lasting financial success, offering practical advice for making progress without feeling overwhelmed.
Tim Mattern, NSSA® speaks with Ben on how you should review your 2024 year and think about what worked and did not work with you and your family then work on what needs to be changed for the year ahead.
In today's episode of Time, Talent, Treasure radio, Ben Taatjes delves into the meaning behind the Taatjes Financial logo featuring the three T's: Time, Talent, and Treasure. He also reflects on a common trend, waiting until the end of the year for charitable giving. Ben shares how he himself has followed this practice in the past, but from a stewardship perspective, he discusses how giving consistently throughout the year can be more impactful.
In today's episode of Time, Talent, Treasure, Ben Taatjes shares a personal story from his youth about purchasing a brand-new dirtbike. What seemed like an exciting acquisition at the time turned out to be a pivotal experience that taught him a valuable lesson, one that continues to shape his life today. Tune in to hear how this childhood moment impacted Ben.
In this radio show of Time, Talent, Treasure, Ben Taatjes talks about the great success of another Lakes Area Paddle Battle Pickleball tournament. He also dives into year end planning and the kind of mentality that those should have as 2025 is right around the corner.
On this Radio show of Time, Talent, Treasure, Ben Taatjes, CKA® gets into end-of-year planning, with a focus on making the most of your charitable giving. With the clock ticking down on 2024, there is still time to make and impact.
In our newest radio show of Time, Talent, Treasure, Ben Taatjes, CKA® explains what RMDs and QCDs are as this was covered as well in our latest webinar called "The ABCs of RMDs & QCDs". Ben dives into tax implications and how one can steward their wealth using QCDs.
In this week's radio show of Time, Talent, Treasure, Matt Hoekstra dives into the common struggles people face when it comes to Estate Planning. He explains how many individuals experience "paralysis by analysis". With Matt's natural ability to listen and problem-solve, he helps clients break through this paralysis by guiding them through different scenarious. Tune in to hear how Matt helps individuals and families gain clarity and confidence in their Estate Planning journey.
In this show of Time, Talent, Treasure radio with Matt Hoekstra, a financial professional with a unique background in psychology, brings a refreshing, people-centered approach to financial planning. Matt explains his understanding that emotion often drives many of our most important decisions - whether in life or in our finances. As part of his financial planning process, Matt works with his clients to answer three fundamental questions: What do I have? What do I need? What do I do with the rest?
Join us for our 3rd Annual Lakes Area Paddle Battle Pickleball Tournament on Saturday, December 14th starting at 8am! Sponsored by Taatjes Financial Group and Willmar Parks & Rec, will be a day filled with Pickleball fun with all proceeds going to West Central Minnesota Youth for Christ. We can't wait to see you there!
Join Ben Taatjes, CKA® as he discusses the three essential questions when it comes to Estate Planning and Wealth Transfers: What am I stewarding? What do I need now and in the future to live on? And what do I do with the rest? Discover how to plan wisely to ensure that your assets serve your needs during your lifetime, and learn strategies to allocate what remains effectively.
In this radio show of Time, Talent, Treasure, Tim Mattern, NSSA® discusses the importance of having an Estate Plan in place. He breaks down three key reasons why you should not wait: how it helps ensure your affairs are in order, how it takes less time and commitment than people think and the potential consequences of leaving decisions to the state when something happens.
Tim Mattern, NSSA® discusses essential areas of estate planning. From Wills to Power of Attorney to Healthcare directives, Tim breaks down the key components that ensure your loved ones are taken care of when you are no longer able to. Whether you're just starting to think about it or looking to update an existing plan, Tim offers valuable insights into why consulting with an attorney and getting your legal documents in order is crucial.
Ben dives deep into the crucial difference between wealth transfer and traditional estate planning. Many Americans recieve their inheritance in their mid to late 60s, but what if that money could have made a difference earlier?
In our latest Time, Talent, Treasure radio show, Ben Taatjes discusses how legacy planning is more than just inheritance. Ben talks about this in his book, "Repurposed", the true meaning of legacy, people impact and making the most out of time with your family. He discusses how to steward one's assets while living fully and discovering the importance of transferring wealth with wisdom.
Today on Time, Talent, Trasure Radio, Matt Hoekstra explores the fascinating psychology of money. Ever wondered why we often feel the sting of loss more acutely than the thrill of gain? Matt delves into the principle of loss aversion, revealing how our brains are wired to react to financial gains and losses.
Join Claire Molden, CFP® as she delves into making clients feel secure and confident with their finances during unpredictable market times. Discover how Claire uses the innovative eMoney program to help clients visualize various personal and market scenarios, providing clarity and reassurance amidst financial uncertainty.
In this segment, Ben Taatjes CKA® discusses the way he looks at retirement plans, the way he handles bussiness's retirement plans and dives into a montra of his, "Every Penny, Every Paycheck".
Claire Molden, CFP® joins us to talk about what you will learn on our next webinar, Investing in an Election Year: Finding Clarity During Volatile Political and Market Seasons which is coming-up this Thursday at 12pm Central.
For much of 2023, the financial markets had anticipated the Fed would drop rates in 2024. The table below was from October 2023, when market watchers anticipated two rate cuts in 2024. But two weeks later, at its November meeting, Powell said the Fed had no interest in cutting rates anytime soon. Ben Taatjes breaks-down how this affects investors and ways we consider market news.
Sean Levesque from Youth for Christ is in-studio to talk about the 2nd Annual Lakes Area Paddle Battle Pickleball Tournament and all the wonderful work YFC does for our community.
The 2nd Annual Lakes Area Pickleball Paddle Battle Tournament is coming up on December 9th. Also, It is "Giving Tuesday", this is following Thanksgiving and Black Friday. How you can use tactical and tax smart ways to utilize your investments to donate to charities.
The 2nd annual Paddle Battle Pickleball Tournament is coming up on Saturday, December 9th. Ben Taatjes also discusses measuring your gains, not only financially, but in life, compared to where you may have been a year prior.
The Internal Revenue Service recently released updated income tax brackets, standard deduction, and retirement contribution limits for the 2024 tax year. While these taxes are not due for some time, it may benefit you to start thinking ahead. Overall, more than 60 provisions have changed. Here are a few of the most critical tax bracket and retirement contribution limit changes.
In this episode, Ben Taatjes discusses not letting the market fluctuations affect your day to day mood and speaks on end of year strategy. Also, Social Security can be a continual source of income for retirees and to learn more at Tim Mattern's Social Security event next Thursday, November 16th.
How can you use these rates to make your money work for you? In this episode, Ben Taatjes speaks about the higher interest rates, how you can build your wealth to use as income in retirement and making sure that your goals, as a person, are aligned with your money.
Having reoccurring income in retirement is a crucial part of your overall plan. Social Security creates a regular paycheck that, in our experience, clients have had the easiest time spending. In this episode, Ben Taatjes explains the importance of spending versus saving in retirement.
In light of the recent attacks on Israel, many investors may ask, “How will the markets react and what affect will the war in Israel have on my 401(k)?” While we have to understand and prepare for all types of risks including geopolitical – another, perhaps more valuable question might be, “What affect does my 401(k) have on the war in Israel?”
The Fed’s ongoing pledge of “higher interest rates for longer” has rattled financial markets and raised the cost of everything from mortgages to credit cards. Now adding to tensions are the recent events in the occupied territories of Israel and Palestine which, in addition to a grievous loss of life, immediately pushed oil prices higher.
The bond market drove stock prices for much of last week as investors fretted about rising bond yields. After beginning the week with small gains, stocks resumed their September decline amid weak housing data and a decline in consumer confidence.
In this episode, Ben Taatjes CKA® shares how an abundant mindset paves the way to create, add value to others and not let money have a grip on a person's life.
Last week Taatjes Financial Group hosted our annual Fall Kick-off Open House. Not only was the open house a wonderful time of great wood-fired pizza and cupcakes, it was a reminder of the deep and meaningful relationships we have with our clients. In this episode, Ben Taatjes CKA® explains the role we desire to play during wonderful and difficult seasons of our clients' lives.
Ben Taatjes CKA® share three to-do’s to check off your list as an investor now that fall is upon us.
Investor sentiment turned positive last week as signs of economic softness were interpreted as reason for the Fed to hold off on further rate hikes. A downward revision of Q2 economic growth and fresh signs of a cooling labor market reversed the recent rise in bond yield. They helped trigger a stock bounce back following Fed Chair Powell’s speech at Jackson Hole the previous Friday.
Rising bond yields, driven primarily by strong economic data and the release of the minutes from July’s Federal Open Market Committee (FOMC) meeting that pointed toward Fed officials’ potential need to raise rates further, weighed on stocks throughout the week. Ben Taatjes CKA® explains the side-effects of rising interest rates on investor's lives and their portfolios.
In our experience, many investors tend to forgot how cruel math is on a portfolio when markets go down – meaning the more portfolio values go down, the greater the returns needed to regain those losses. Ben Taatjes CKA® explains the importance of having the proper risk tolerance and ways to self-manage emotions during turbulent market seasons.
The stock market is a complex world. While knowing of all the intricacies of investing and the global economic structure are unnecessary, Ben Taatjes, CKA® breakdown the three key pieces of information you need to know about your own portfolio.
Even though The Fed raised interest rates by 0.25% last week, the market responded positively Friday with strong earnings data. So, we have dodged a recession yet again. Or, have we? Ben Taatjes, CKA® talks about the possible “lag-effect” when The Fed increases rates and what you need for your portfolio.
Even though year-to-year inflation rate increases dropped to the lowest reading in over two years, price hikes are still affecting retirees. However, does paying more at grocery stores, restaurants and the gas pump have to derail the joy you experience in your life? Financial Advisor, Matt Hoekstra, not only says no, he also gives the key to battling inflation and a scarcity mindset.
After all the hubbub regarding an on-coming recession and out-of-control inflation at the beginning of 2023, a much more positive reality has transpired. This highlights the importance of a sound mind for investors not letting fear dominate your decision-making. Financial Advisor, Tim Mattern NSSA®, discusses the mindset you must have NOW even if bad market predictions come true.
In advance of 2023, the recession drum beats were so loud it was deafening. Market pundits warned that as the Fed raised interest rates, it was just a matter of time before the economy entered a recession. But it’s July now, and so far, no recession. It appears that the economy is slipping into an expansion rather than moving toward a recession.
Retirement removes all guardrails in your schedule which used to tell you when to sleep, awake, eat, exercise and work. Ben Taatjes tells us how to make every day count by reconstructing these three rhythms to your day.
One of the biggest lies we have seen in nearly two decades of helping people retire is the relentless focus on the financials. While having a sound retirement plan is absolutely vital, we believe the narrative on retirement planning should transcend just money.
Unfortunately, the wealth transfer process between a deceased parent and their children is often messier and more hurtful than expected. Financial Advisor, Matt Hoekstra has seen too many families’ relationships suffer due to unmet expectations. Matt explains how to approach this delicate conversation and ways to make sure your family dynamic doesn’t suffer when sifting-out the death of a parent.
Now that the debt ceiling negotiations are behind us and President Biden has signed the measure, Ben Taatjes explains what should be on an investor's radar for the months ahead.
Summer is here and now is a great time to do a financial check-up. Financial Advisor, Kendra Peterson, talks about three areas of your financial plan that may need attention or updating.
Today we talk about everyone’s favorite topic….taxes! Probably not the case. However, Ben Taatjes discusses this timely topic as government spending continues to increase and debt ceiling negotiations continue. Bottom line, do you know where your taxes are going?
Ben Taatjes and Jerrid Sebesta reflect on a recent trip to Dallas, TX to visit TFG’s home office, Avantax. Avantax is a 1000+ employee company responsible for and dedicated to the smooth and quick financial transactions our clients are accustomed to experiencing.
How Much Cash Do You Have? This is a question we’re asking more than ever to clients for two reasons. First of all, for the first time in many years, cash is creating a solid rate of return. So, having an abundance of cash on-hand may not be the best strategy. And secondly, having large stores of cash may reveal possible red flags for people having too much of a “someday” mentality.
Since we’re celebrating Ben Taatjes’ birthday, we cover a number of key financial ages starting with 50 years-old when people can begin catch-up contributions – ending with 73 years-old, respectively, when RMDs begin and every significant age in between.
As summer quickly approaches, Ben Taatjes CKA® talks about ways investors can use this time to do "summer projects" along with updated inflation numbers from the U.S. Department of Labor.
In light of the final week of Financial Literacy Month, Ben Taatjes gives three specific things retirees can do to help their families and their retirement.
Even though tax season has officially ended, this is an important time for retirees and pre-retirees. Ben Taatjes CKA® gives three specific things you can do to utilize the remainder of 2023 and be better prepared for next year’s tax season.
In lieu of our next online event, "Grand Connections: Creating Deep, Meaningful Connections with Grandchildren", Ben Taatjes shares two meaningful stories about his grandfather. He also explains the privilege and crucial role grandparents play in a family.
Ben Taatjes CKA® talks about the protection and regulatory controls of Avantax and National Financial Services, LLC in these uncertain times and we announce our next online seminar, "Grand Connections: Creating Deep, Meaningful Connections with Grandchildren", coming up on April 12th at 11am Central.
In light of the up-coming tax deadline, Ben Taatjes talks about tax brackets. Maximizing each tax bracket is an important strategy that needs to be a major part in your retirement plan. Retirement planning and tax planning go hand-in-hand. If you need help building a purposeful retirement plan that maximizes each tax bracket in the most tax-efficient way, we can help.
Ben Taatjes explains the context behind the fall of Silicon Valley Bank and he breaks-down how fixed-income options can be used by individuals if managed correctly.
As interest rates have risen over the last year, so have rates-of-return on a number of fixed-income options including treasuries, fixed annuities and municipal bonds. If you are looking for a safe, short-term option, there are many to chose from with a wide variety of terms. Want more information to see if these fixed-rate options are right for you and your retirement plan, please, reach out. We can help.
Tim Mattern NSSA® shares how earning the National Social Security Advisor® certification has given him knowledge to counsel clients on the best way to claim Social Security benefits in order to optimize lifetime Social Security income.
Claire Molden, CFP® shares how earning the CERTIFIED FINANCIAL PLANNER™ certification has expanded her knowledge, confidence and ability to make purposeful retirement plans for our clients. For more than 30 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners.
Ben Taatjes explains the ways earning the Certified Kingdom Advisor® Certification (CKA®) has helped shaped his interactions with clients and potential clients. He goes on the talk about how asking the right questions with the correct worldview is key for fully understanding a client's needs. The Certified Kingdom Advisor designation recognizes individuals who have demonstrated their technical competence as a financial professional, provided evidence of their personal integrity and have committed to providing financial guidance influenced by their biblical worldview.
Ben Taatjes discusses how eMoney software helps us build purposeful retirement plans for our clients. eMoney is a robust program designed for high-end, complex situations. It helps clients see how their assets get turned into consistent cashflow for their retirement. In our experience, when we can help our clients steward their cashflow well, it gives them the confidence and freedom to steward their time and talents more efficiently.
Ben Taatjes discusses his experience of asking retirees and pre-retirees the question "What is most important? Time, talent or treasure?" While the answer might be obvious to many people, it brings us a bigger conversation over stewardship and our roles as retirement planners.
Aired Live: January 31st, 2023: Ben Taatjes discusses the revisited Roth rules associated with SECURE Act 2.0. 529 to a Roth. Starting in 2024, pending certain conditions, individuals can roll a 529 education savings plan into a Roth IRA. So if your child gets a scholarship, goes to a less expensive school, or doesn't go to school, the money can get repositioned into a retirement account. However, rollovers are subject to the annual Roth IRA contribution limit. Roth IRA distributions must meet a five-year holding requirement and occur after age 59½ to qualify for the tax-free and penalty-free withdrawal of earnings. Tax-free and penalty-free withdrawals are allowed under certain other circumstances, such as the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.
For more information or to request a meeting, visit www.taatjesfinancial.com
Aired Live: January 24th, 2023: Ben Taatjes discusses the new distribution rules associated with SECURE Act 2.0. Catch-Up Contributions. Starting January 1, 2025, investors aged 60 through 63 can make catch-up contributions of up to $10,000 annually to workplace retirement plans. The catch-up amount for people aged 50 and older in 2023 is $7,500. However, the law applies certain stipulations to individuals earning more than $145,000 annually.
For more information or to request a meeting, visit www.taatjesfinancial.com
Aired Live: January 17th, 2023: Ben Taatjes discusses the new distribution rules associated with SECURE Act 2.0. RMD age will rise to 73 in 2023. By far, one of the most critical changes was increasing the age at which owners of retirement accounts must begin taking required minimum distributions (RMDs). And starting in 2033, RMDs may begin at age 75. If you have already turned 72, you must continue taking distributions. But if you are turning 72 this year and have already scheduled your withdrawal, we may want to revisit your approach
For more information or to request a meeting, visit www.taatjesfinancial.com