Libertas Wealth Management Group, Inc.

Most retirement plans fail long before retirement starts.

Not because of the market. Because there was no real plan.

In the latest episode of The Retirement Fiduciary Podcast, Adam explains why retirement planning should focus on more than portfolio returns. Savings, expenses, liquidity, and risk all matter if you want a plan that can adapt in the real world.

Listen to the latest episode of The Retirement Fiduciary Podcast or watch it on YouTube:

Libertas Wealth Management Group, Inc. 4 likes. "Why Most Retirement Plans Fail"

One of the fastest ways to spot misalignment in financial advice is simple:

Does the conversation start with a plan, or with a product?

When recommendations show up before the advisor fully understands goals, cash flow, risk, taxes (at a high level), and real-world constraints, it’s often a sign the “solution” was pre-selected.

In this episode of The Retirement Fiduciary, Adam Koós explains:

🔘Why “product-first” meetings can be a major red flag
🔘Why every strategy has tradeoffs (and “perfect” is usually a sales pitch)
🔘Why pressure and urgency are often the giveaway

For advisors, this is also a useful self-audit:
1️⃣ Are we building confident clients, or dependent clients?
2️⃣ Are we leading with education and clarity, or with implementation?

Listen to: How to Spot a Bad Financial Advisor
If you want help thinking through your next step, visit https://www.libertaswealth.com/how-to-spot-a-bad-financial-advisor/

Everyone loves a good Cinderella story.

But in both March Madness and investing, long shots rarely play out the way we hope.

Our latest article breaks down why probabilities matter more than gut instinct and how that shows up in real financial decisions.

Read the full article here: https://links.libertaswealth.com/sp/6aa1136bb7d/

Read our newest article here: https://links.libertaswealth.com/sp/6ee3fb01e63

🗞️ Gold prices end lower as investors, rattled by Iran conflict, continue to shelter in the dollar.

Check out Adam's thoughts in the latest MarketWatch article:

Gold prices end lower as investors, rattled by Iran conflict, continue to shelter in the dollar Gold prices declined on Monday, extending their loss from last week, as an escalating conflict with Iran drove fears of sticky inflation on the back of surging prices of oil, and investors again took shelter in the dollar.

🗞️New Article: The Fear Is Real. The Breakdown Isn’t.

READ HERE ⤵️

The Fear Is Real. The Breakdown Isn’t. It’s day 2 of this week’s installment and the markets tried to stage a comeback in the middle of the crisis with Iran, in spite of the negative sentiment laced throughout the minds of investors everywhere.

🗞️New Article: Evaluating S&P 500 Seasonality And NDX Extremes

Read Here:

Evaluating S&P 500 Seasonality and NDX Extremes I’m going to start this week’s 5-par installment with something I’ve never done before. I’m going to share a few of the top charts I’ve found among my everyday R&R (i.e., “reading & research”). The first is a chart from SentimenTrader that shows how the NDX aggregated put/call ratio re...