The Momentous Wealth Podcast

The Momentous Wealth Podcast with Todd PisarczykIn Part 2 of our market volatility series, we’re shifting the focus to investors who are nearing or already in retirement. Todd walks through what we call the Buckets of Money approach—a practical framework we use at Momentous Wealth to help clients maintain a long-term perspective, even when it feels like time horizons are shrinking.When markets are unpredictable, it’s easy to lose sight of the bigger picture. This episode breaks down how segmenting your assets into strategic “buckets” can provide clarity, reduce emotional decision-making, and ensure your retirement plan stays on track—regardless of short-term market noise.If you’re thinking about how to invest more intentionally as you approach retirement, this one’s for you.

The Momentous Wealth Podcast with Todd Pisarczyk.2025 has been a volatile year for the markets, and at Momentous Wealth, we know that uncertainty can raise a lot of questions for investors. In this two-part series, we’re breaking down timely strategies to help you stay grounded and make confident decisions in a shifting landscape.In Part 1, Todd dives into the power of diversification. While it’s not a new concept, we look at why it may be more important than ever right now. We’ll share some data that highlights its effectiveness, explore why market timing rarely delivers long-term value—or peace of mind—and revisit the impact of tariffs back in 2018 to better understand what today’s headlines might mean for your portfolio.Whether you’re a busy professional or enjoying your retirement and trying to make sense of the noise, this episode is designed to help you stay focused on what really matters.

Welcome to a pivotal decade! In this episode, we dive into the crucial strategies every investor in their 40s needs to master. Whether you’re a business owner looking to maximize your wealth or a professional navigating career shifts, we’ll cover the essential moves to grow and protect your nest egg. Discover how to leverage your peak earning years, craft a tax-savvy investment plan, and build multiple income streams for financial freedom. It’s time to take charge of your financial future and turn today’s decisions into tomorrow’s success. Let’s unlock the secrets to building lasting wealth.  

We all know saving for the future is important, but how do you balance that with living your best life right now? In this episode, Todd sits down with special guest Linde Carroll, CFP and co-owner of Momentous Wealth Management, to unpack this very question. Together, they explore practical strategies for managing your money in a way that aligns with your goals and values. How much should you save? How much do you really need? And most importantly, how can you approach saving in a way that reduces stress and anxiety about your financial future? Many of our clients are business owners and busy professionals juggling packed schedules and big aspirations. They want to secure their financial future but also create meaningful experiences for their families today. If you’ve ever wondered how to allocate your resources between saving for tomorrow and enjoying the present, this episode is for you.

In this “emergency episode,” we break down what you need to know about the Federal Reserve's latest move to lower interest rates.  We give several actionable tips along with information about real-life impacts and the typical reaction of the stock market during rate-cut cycles.  The historical performance data we provided for the S&P 500 in response to Federal Reserve rate cut cycles were from a variety of sources: 1 Federal Reserve Economic Data (FRED) 2 S&P 500 Historical Returns – Data was cross-referenced from the S&P 500 index performance archives available through financial databases such as Yahoo Finance and historical market data services like Bloomberg. 3 The Wall Street Journal

It goes by many names, including Seperately Managed Accounts, SMAs, Custom Indexing, Personalized Investing, and more. But no matter what you call it, we have to take notice of the growing popularity of this investment vehicle.  According to data from The Cerulli Edge, SMA assets under management grew from $951 billion to $2.1 trillion from 2017-2023.  In this episode, Todd and Nik discuss some of the main benefits of SMAs, who they might be good for, and how they have used them in their own practice for their clients. 

In this episode, Todd sits down with special guest, Ryland Puzzitiello, Regional Director at Dimensional Fund Advisors. Dimensional Funds is one of the world’s leading Mutual Fund and ETF providers with over $740 billion under management (as of June 30, 2024). They were one of the pioneers of the Evidence Based Investing approach. Todd and Ryland discuss what evidence based investing is and its potential benefit to investors.

This week's episode is a solo episode hosted by Nik Miner about the potential rollback of the current tax laws. As it currently stands, the tax law changes that were implemented in 2017 are set to end (aka "sunset") at the end of 2025. Nik will be discussing what these changes would bring and how you can start to think about planning your finances accordingly. This is a 2-part mini-series that will be concluded later in the year by Linde Carroll. 

According to data from Bloomberg and Charles Schwab, as of July 16th, 2024, the top 10 companies in the S&P 500 now account for over 38% of the index. This type of concentration has not been seen since the 1970's, when the top 10 companies accounted for around 35% of the index. Much of this has to do with the continued growth of the "Magnificent 7". In this episode, Todd and Nik discuss what this means for investors and if this may be a good or bad thing for markets moving forward. They also share some interesting stats on markets for the first half of 2024.https://www.schwab.com/learn/story/breadth-life-market-leadership-shifts

How much should you keep in cash is a very common question we get from clients. With the significant rise in interest rates we have seeing over the last several years investors now have more attractive options for earning interest on their savings than they have in while. In this episode, Todd and Nik discuss the factors you might consider when trying to decide how much to keep in cash and what types of accounts you might consider for the cash.