Market uncertainty has a way of making even disciplined investors second-guess themselves. When volatility rises, headlines grow louder, emotions take over, and decisions that once felt simple suddenly feel overwhelming.

In this episode, Josh breaks down the top investment mistakes people make during uncertain times and why these errors can quietly destroy long-term wealth if left unchecked. Drawing on decades of market history and behavioral finance, we explain why panic selling, waiting for clarity, and chasing headlines are so damaging.

You’ll learn why panic selling often locks in losses at the worst possible time, how waiting on the sidelines causes investors to miss critical recovery days, and why market timing driven by financial news consistently leads to poor outcomes.

Josh also discusses what the long-term performance of the S&P 500—particularly with dividends reinvested—reveals about patience, discipline, and compounding. Most importantly, he explains how a well-designed financial plan acts as a decision-making framework during volatile periods, helping investors stay aligned with their goals instead of reacting emotionally to short-term market noise.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

Borrowing from your 401k can feel like a smart financial move. After all, it’s your money, there’s no credit check, and you’re “paying yourself back.” But in my experience as a financial planner, 401k loans are one of the most dangerous decisions in retirement planning.

In this episode, we break down why we recommend avoiding 401k loans. Not because of complicated spreadsheets or market forecasts, but because of what these loans signal about cash flow, habits, and long-term financial behavior. Even when interest rates are high and the math appears to work, the real cost of a 401k loan is often psychological—not financial.

We discuss why 401k loans sound so appealing on paper, the behavioral traps most people don’t see coming, what borrowing from retirement accounts usually indicates beneath the surface, the risks tied to job changes and accelerated repayment, why “paying yourself back” can quietly undermine long-term freedom, and what to do instead when you need liquidity.

This conversation is especially relevant for families with significant investable assets who want to protect their long-term independence while making disciplined, intentional decisions today.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

The FIRE movement—which stands for Financial Independence, Retire Early—has captured the imagination of millions. Save aggressively. Invest efficiently. Quit work decades ahead of schedule. On paper, it sounds like the ultimate path to freedom.

But is it really worth it, especially for families with real responsibilities?

In this episode, Josh takes a clear-eyed look at the FIRE movement through the lens of an experienced financial planner who works with families every day. He breaks down what FIRE gets right, where it often falls short, and why early retirement alone is rarely the finish line people expect it to be.

You’ll learn what financial independence actually means beyond the spreadsheets, why the “retire early” part of FIRE can create unintended emotional and lifestyle challenges, and how high-income families with children, healthcare costs, and long-term goals experience FIRE differently.

Financial independence can create extraordinary flexibility, resilience, and peace of mind. But without intentional design around purpose, community, and contribution, early retirement can feel surprisingly empty. This conversation is for families who want more than just an exit plan from work. It’s for those asking the deeper question: What am I freeing myself for?

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

If you already have a 401(k), a Roth IRA, and maybe even a Health Savings Account, you might be asking a logical next question: Where does the next dollar go?

In this video, Josh breaks down the often-overlooked role of a taxable brokerage account in a well-designed retirement plan and why, for many high-income families, it becomes one of the most powerful and flexible tools available.

Taxable brokerage accounts are frequently misunderstood. They are not just “extra” accounts or short-term investing vehicles. When used intentionally, they can support early retirement, improve tax efficiency, smooth income over decades, and provide flexibility that traditional retirement accounts simply cannot.

We walk through how taxable brokerage accounts complement tax-deferred and tax-free accounts, why “taxable” does not automatically mean “tax inefficient”, and how long-term capital gains, tax-loss harvesting, and thoughtful asset placement can dramatically change your retirement.

Most importantly, this conversation focuses on retirement planning at the household level—not account by account—so your strategy works across multiple decades, tax environments, and market cycles.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com.

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

Are you confident you’re truly maximizing your retirement account contributions or could small decisions today be limiting your flexibility tomorrow?

Many high-earning families contribute consistently to their retirement accounts, yet still miss opportunities to improve tax efficiency, increase long-term flexibility, and better align contributions with their broader financial plan. In this episode, Josh breaks down how to maximize retirement contributions in a way that is intentional, sustainable, and tax-aware.

You’ll learn how to prioritize retirement accounts strategically, why contribution limits alone should not dictate your strategy, how tax diversification plays a critical role in retirement income planning, and why higher-income households must move beyond one-size-fits-all advice.

Josh also covers commonly overlooked opportunities and the real limiting factor most families face: cash flow. Maximizing contributions is not about perfection—it’s about making informed decisions that compound over time.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

In this episode, Josh breaks down how to incorporate charitable giving into a comprehensive financial plan that is intentional, sustainable, and tax-efficient. If you’ve ever wondered how much you can afford to give, how to align generosity with long-term goals, or how to support the causes you care about without jeopardizing financial security, this conversation is built for you.

You will learn why charitable giving belongs in a well-structured financial plan, how to build a personal giving strategy that reflects your values, and which advanced techniques can help high-net-worth families give more while optimizing tax outcomes.

Josh covers key strategies such as donating appreciated assets, using donor-advised funds, leveraging qualified charitable distributions, and applying charitable bunching to maximize deductions. You will also see how giving fits into retirement planning, estate planning, and legacy conversations with your family.

Whether you’re focused on impact, tax efficiency, or long-term stewardship, you will walk away with a clear framework for giving generously and wisely.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

Planning for retirement is one of the most important financial decisions you will ever make, yet even smart, disciplined families fall into avoidable traps. In this video, we break down the top five retirement planning pitfalls that derail long-term financial independence and peace of mind.

You’ll learn why guessing at your “retirement number” leads to overspending, how retiring too early without a distribution plan can drain your portfolio, why longevity risk magnifies every other financial risk you face.

We also unpack the tax mistakes many households overlook—especially when managing withdrawals across taxable, tax-deferred, and Roth accounts. And finally, we address one of the most underestimated issues: entering retirement without a clear sense of purpose.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

A diversified investment portfolio isn’t about owning as many funds as possible—it’s about owning the right asset classes in the right proportions. In this video, Josh Duncan breaks down how families with significant wealth can build a truly diversified investment portfolio that supports long-term goals, reduces unnecessary volatility, and avoids the clutter that derails even the smartest investors.

Using a simple framework built around five or six core asset classes—US large cap equities, US small cap equities, developed international stocks, emerging markets, real estate, and bonds—Josh explains why simplicity often beats complexity.

You’ll learn how to avoid overlapping investments, how to structure your portfolio at the household level rather than account by account, and how tax-efficient placement of assets can meaningfully improve long-term results.

Whether you're evaluating your current strategy or starting fresh, this video breaks down the purpose of each asset class, the role it plays in risk management, and how to build a unified, well-balanced portfolio across all accounts.

Want to achieve financial freedom for personal significance? Work with us at https://www.f5fp.com

About F5 Financial Planning:

At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.

At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.

Visit https://www.f5fp.com to learn more about our services and planning process.

*****

Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.

Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.