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Foster Financial Services Foster Financial Services. Do you have Retirement Confidence? Learn how to invest with Confidence

In this WANE 15 Money Monday segment, Caleb Doane discusses retirement savings options available to self-employed indivi...
10/24/2026

In this WANE 15 Money Monday segment, Caleb Doane discusses retirement savings options available to self-employed individuals. He explains key differences between Traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs, including considerations such as contribution limits, tax treatment, and flexibility. The discussion also highlights the importance of evaluating business cash flow and selecting a retirement savings strategy that aligns with an individual's financial circumstances and goals.

Topics covered include:

Traditional IRAs
Roth IRAs
SEP IRAs
SIMPLE IRAs
Contribution Limits
Income Eligibility Restrictions
Tax Advantages
Withdrawal Rules

To learn more or schedule a complimentary consultation, contact Foster Financial today. Call us at 260-234-2200 or visit us at www.fosterfinancial.net





Heather Foster, Caleb Doane, and Jonathon Pynchon are investment advisor representatives with Foster Financial Services, LLC. Advisory services are offered through Foster Financial Services, LLC, a registered investment advisor registered with the United States Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training and does not constitute an endorsement by the SEC. The information, opinions, and views expressed herein are provided by representatives of Foster Financial Services, LLC, and are subject to the firm's supervision, review, and compliance oversight. The content provided here is not intended to provide any tax or legal advice or provide the basis for any financial decisions. This sponsored segment is provided by Foster Financial Services, LLC for educational purposes only and should not be construed as investment, legal, or tax advice. The television station and host are compensated through a sponsorship arrangement and are not clients of Foster Financial Services. Any strategies discussed may not be suitable for all investors and are subject to risks, limitations, eligibility requirements, tax consequences, and applicable IRS rules. Investing involves risk, including the possible loss of principal. Tax laws and regulations are subject to change. Individuals should consult qualified financial, tax, and legal professionals regarding their specific circumstances before implementing any strategy. Investment advice will only be given after a client engages in our services by executing the appropriate investment services agreement. Information regarding investment products and services is given solely to provide education regarding our investment philosophy and our strategies. You should not rely on any information provided on our website in making investment decisions. Market data, articles, and other content in this material are based on generally available information and are believed to be reliable. Foster Financial Services, LLC does not guarantee the accuracy of the information contained in this material. Foster Financial Services, LLC will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure), Part 2B (Supplemental Brochures), and Part 3 (Client Relationship Summary) prior to commencing an advisory relationship. You can also view these documents at any time at adviserinfo.sec.gov or by contacting us to request a copy.

Living Local 15 host Jessica Williams sits down with Caleb Doane from Foster Financial as they discuss Self-Employment Retirement Accounts and how a financial advisor can help you find the right op…

10/16/2026

Caleb Doane discusses estate planning, lifetime gifting, and considerations for transferring wealth to future generations. The segment explores gifting limits, IRS reporting requirements, and how these topics may fit into an overall retirement and estate planning strategy.

Topics covered include:

Estate Planning
Beneficiary Designations
Asset Distribution
Lifetime Gifting
Inheritance Planning
Charitable Giving
Estate Tax Exclusion

To learn more or schedule a complimentary consultation, contact Foster Financial today. Call us at 260-234-2200 or visit us at www.fosterfinancial.net





This content is provided for educational and informational purposes only and should not be construed as individualized investment, tax, legal, estate planning, or financial advice. Estate planning, gifting, tax, and inheritance strategies are complex and may not be appropriate for all individuals. Lifetime gifts are generally irrevocable and may reduce assets available for future retirement income, healthcare expenses, long-term care needs, or other financial goals. Federal gift and estate tax laws, exemption amounts, reporting requirements, and contribution limits are subject to change and individual circumstances. Any examples discussed are hypothetical and for illustrative purposes only and are not guarantees of future results. Foster Financial Services does not provide legal or tax advice. Individuals should consult qualified legal and tax professionals regarding their specific circumstances before implementing any strategy. Heather Foster, Caleb Doane, and Jonathon Pynchon are investment advisor representatives with Foster Financial Services, LLC. Advisory services are offered through Foster Financial Services, LLC, a registered investment advisor registered with the United States Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training and does not constitute an endorsement by the SEC. The information, opinions, and views expressed herein are provided by representatives of Foster Financial Services, LLC, and are subject to the firm's supervision, review, and compliance oversight. The content provided here is not intended to provide any tax or legal advice or provide the basis for any financial decisions. This sponsored segment is provided by Foster Financial Services, LLC for educational purposes only and should not be construed as investment, legal, or tax advice. The television station and host are compensated through a sponsorship arrangement and are not clients of Foster Financial Services. Any strategies discussed may not be suitable for all investors and are subject to risks, limitations, eligibility requirements, tax consequences, and applicable IRS rules. Investing involves risk, including the possible loss of principal. Tax laws and regulations are subject to change. Individuals should consult qualified financial, tax, and legal professionals regarding their specific circumstances before implementing any strategy. Investment advice will only be given after a client engages in our services by executing the appropriate investment services agreement. Information regarding investment products and services is given solely to provide education regarding our investment philosophy and our strategies. You should not rely on any information provided on our website in making investment decisions. Market data, articles, and other content in this material are based on generally available information and are believed to be reliable. Foster Financial Services, LLC does not guarantee the accuracy of the information contained in this material. Foster Financial Services, LLC will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure), Part 2B (Supplemental Brochures), and Part 3 (Client Relationship Summary) prior to commencing an advisory relationship. You can also view these documents at any time at adviserinfo.sec.gov or by contacting us to request a copy.

Living Local 15 host Jessica Williams is joined by Caleb Doane, Vice President of Foster Financial, as Caleb discusses what you need to know when it comes to estate planning. Learn more at fosterfi…

10/14/2026

Heather Foster discusses Medicare changes for 2026, including updates to Part D prescription drug coverage and Medicare Advantage plans. She explains how annual changes to benefits, provider networks, and drug coverage may affect Medicare beneficiaries and why reviewing coverage during Open Enrollment can be an important part of healthcare planning.

Topics covered include:

Medicare Changes for 2026
Medicare Part D Prescription Drug Coverage Updates
Medicare Advantage Plan Changes and Coverage Adjustments
Provider Network and Hospital Access Considerations
Prescription Drug Cost and Out-of-Pocket Expenses
Medicare Open Enrollment Planning
Annual Medicare Coverage Reviews

To learn more or schedule a complimentary consultation, contact Foster Financial today. Call us at 260-234-2200 or visit us at www.fosterfinancial.net





Medicare plan availability, benefits, premiums, provider networks, and prescription drug coverage vary by carrier, plan, geographic area, and individual circumstances. Not all plans are available in all locations. A review of Medicare coverage should consider costs, benefits, provider access, prescription drug needs, and personal circumstances. Foster Financial Services and/or its licensed insurance professionals may receive commissions or other compensation from insurance carriers if a Medicare plan is purchased. Compensation may vary by carrier and product but does not directly increase the cost of coverage to the consumer. Independent insurance agencies may represent multiple carriers; however, no agency represents every available Medicare plan or carrier in every market. Consumers should carefully review all available options before making enrollment decisions. This content is provided for educational and informational purposes only and is not individualized insurance, legal, tax, or investment advice. Heather Foster, Caleb Doane, and Jonathon Pynchon are investment advisor representatives with Foster Financial Services, LLC. Advisory services are offered through Foster Financial Services, LLC, a registered investment advisor registered with the United States Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training and does not constitute an endorsement by the SEC. The information, opinions, and views expressed herein are provided by representatives of Foster Financial Services, LLC, and are subject to the firm's supervision, review, and compliance oversight. The content provided here is not intended to provide any tax or legal advice or provide the basis for any financial decisions. This sponsored segment is provided by Foster Financial Services, LLC for educational purposes only and should not be construed as investment, legal, or tax advice. The television station and host are compensated through a sponsorship arrangement and are not clients of Foster Financial Services. Any strategies discussed may not be suitable for all investors and are subject to risks, limitations, eligibility requirements, tax consequences, and applicable IRS rules. Investing involves risk, including the possible loss of principal. Tax laws and regulations are subject to change. Individuals should consult qualified financial, tax, and legal professionals regarding their specific circumstances before implementing any strategy. Investment advice will only be given after a client engages in our services by executing the appropriate investment services agreement. Information regarding investment products and services is given solely to provide education regarding our investment philosophy and our strategies. You should not rely on any information provided on our website in making investment decisions. Market data, articles, and other content in this material are based on generally available information and are believed to be reliable. Foster Financial Services, LLC does not guarantee the accuracy of the information contained in this material. Foster Financial Services, LLC will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure), Part 2B (Supplemental Brochures), and Part 3 (Client Relationship Summary) prior to commencing an advisory relationship. You can also view these documents at any time at adviserinfo.sec.gov or by contacting us to request a copy.

Heather Foster discusses Medicare changes for 2026, including updates to Part D prescription drug coverage and Medicare Advantage plans. She explains how annual changes to benefits, provider networks, and drug coverage may affect Medicare beneficiaries and why reviewing coverage during Open Enrollme...

10/07/2026

In this Women’s Wealth Wednesday segment on WANE 15, Foster Financial Vice President Caleb Doane explains how donor-advised funds can help make charitable giving more tax-efficient. He discusses strategies that may allow donors to maximize deductions, bundle multiple years of contributions into a single tax year, and potentially avoid capital gains taxes by donating appreciated investments instead of cash. Learn how donor-advised funds work, the potential tax advantages they offer, and why they can be a valuable tool for charitable giving and long-term financial planning.

Topics covered include:

Donor-advised Funds
Standard Deduction vs Itemized Deductions
Charitable Giving Strategies
Tax-efficient Philanthropy
Appreciated Stock Donations
Capital Gains Tax Avoidance
Tax-free Investment Growth within DAF
Charitable Distribution Planning

To learn more or schedule a complimentary consultation, contact Foster Financial today. Call us at 260-234-2200 or visit us at www.fosterfinancial.net




Donor-advised funds and charitable gifting strategies may not be appropriate for every investor. Tax benefits depend on individual circumstances, contributions are generally irrevocable, and investors should consult qualified tax, legal, and financial professionals before implementing any strategy. Heather Foster, Caleb Doane, and Jonathon Pynchon are investment advisor representatives with Foster Financial Services, LLC. Advisory services are offered through Foster Financial Services, LLC, a registered investment advisor registered with the United States Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training and does not constitute an endorsement by the SEC. The information, opinions, and views expressed herein are provided by representatives of Foster Financial Services, LLC, and are subject to the firm's supervision, review, and compliance oversight. The content provided here is not intended to provide any tax or legal advice or provide the basis for any financial decisions. This sponsored segment is provided by Foster Financial Services, LLC for educational purposes only and should not be construed as investment, legal, or tax advice. The television station and host are compensated through a sponsorship arrangement and are not clients of Foster Financial Services. Any strategies discussed may not be suitable for all investors and are subject to risks, limitations, eligibility requirements, tax consequences, and applicable IRS rules. Investing involves risk, including the possible loss of principal. Tax laws and regulations are subject to change. Individuals should consult qualified financial, tax, and legal professionals regarding their specific circumstances before implementing any strategy. Investment advice will only be given after a client engages in our services by executing the appropriate investment services agreement. Information regarding investment products and services is given solely to provide education regarding our investment philosophy and our strategies. You should not rely on any information provided on our website in making investment decisions. Market data, articles, and other content in this material are based on generally available information and are believed to be reliable. Foster Financial Services, LLC does not guarantee the accuracy of the information contained in this material. Foster Financial Services, LLC will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure), Part 2B (Supplemental Brochures), and Part 3 (Client Relationship Summary) prior to commencing an advisory relationship. You can also view these documents at any time at adviserinfo.sec.gov or by contacting us to request a copy.

Holistic Financial & Retirement Planning. Work with a Fiduciary.

10/01/2026

In this Money Monday segment, Caleb Doane discusses pension payout options, including the differences between lifetime monthly income and lump-sum distributions. The conversation covers survivor benefits, joint-and-survivor elections, retirement cash flow considerations, IRA rollover options, and how changing interest rates can affect pension lump-sum values.

Topic covered include:

Benefit Pensions
Lump-sum Pension Distributions
Lifetime Income Planning
IRA Rollovers
Retirement Cash Flow Needs
Survivor Benefits
Life Expectancy Considerations
Pension Payout Elections
Interest Rate Impacts on Lump-sum Values
Joint-and-Survivor Pension Options

To learn more or schedule a complimentary consultation, contact Foster Financial today. Call us at 260-234-2200 or visit us at www.fosterfinancial.net




Heather Foster, Caleb Doane, and Jonathon Pynchon are investment advisor representatives with Foster Financial Services, LLC. Advisory services are offered through Foster Financial Services, LLC, a registered investment advisor registered with the United States Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training and does not constitute an endorsement by the SEC. The information, opinions, and views expressed herein are provided by representatives of Foster Financial Services, LLC, and are subject to the firm's supervision, review, and compliance oversight. The content provided here is not intended to provide any tax or legal advice or provide the basis for any financial decisions. This sponsored segment is provided by Foster Financial Services, LLC for educational purposes only and should not be construed as investment, legal, or tax advice. The television station and host are compensated through a sponsorship arrangement and are not clients of Foster Financial Services. Any strategies discussed may not be suitable for all investors and are subject to risks, limitations, eligibility requirements, tax consequences, and applicable IRS rules. Investing involves risk, including the possible loss of principal. Tax laws and regulations are subject to change. Individuals should consult qualified financial, tax, and legal professionals regarding their specific circumstances before implementing any strategy. Investment advice will only be given after a client engages in our services by executing the appropriate investment services agreement. Information regarding investment products and services is given solely to provide education regarding our investment philosophy and our strategies. You should not rely on any information provided on our website in making investment decisions. Market data, articles, and other content in this material are based on generally available information and are believed to be reliable. Foster Financial Services, LLC does not guarantee the accuracy of the information contained in this material. Foster Financial Services, LLC will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure), Part 2B (Supplemental Brochures), and Part 3 (Client Relationship Summary) prior to commencing an advisory relationship. You can also view these documents at any time at adviserinfo.sec.gov or by contacting us to request a copy.

Living Local 15 host Jessica Williams sits down with Caleb Doane from Foster Financial as they discuss different factors when it comes to taking your pension as a lump sum payout. Learn more at fos…

09/26/2026

Caleb explains how inherited brokerage accounts are treated for tax purposes, the benefits of the step-up in cost basis rule, and why diversification should be considered after inheritance to help reduce investment risk.

Topics covered include:

Taxable brokerage accounts vs. retirement accounts
After-tax investing
Inherited investment accounts
Step-up in cost basis
Capital gains taxes
Diversification
Concentrated stock positions
Estate and legacy planning
Risk management in investing
Financial planning after inheritance

To learn more or schedule a complimentary consultation, contact Foster Financial today. Call us at 260-234-2200 or visit us at www.fosterfinancial.net





Heather Foster, Caleb Doane, and Jonathon Pynchon are investment advisor representatives with Foster Financial Services, LLC. Advisory services are offered through Foster Financial Services, LLC, a registered investment advisor registered with the United States Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training and does not constitute an endorsement by the SEC. The information, opinions, and views expressed herein are provided by representatives of Foster Financial Services, LLC, and are subject to the firm's supervision, review, and compliance oversight. The content provided here is not intended to provide any tax or legal advice or provide the basis for any financial decisions. This sponsored segment is provided by Foster Financial Services, LLC for educational purposes only and should not be construed as investment, legal, or tax advice. The television station and host are compensated through a sponsorship arrangement and are not clients of Foster Financial Services. Any strategies discussed may not be suitable for all investors and are subject to risks, limitations, eligibility requirements, tax consequences, and applicable IRS rules. Investing involves risk, including the possible loss of principal. Tax laws and regulations are subject to change. Individuals should consult qualified financial, tax, and legal professionals regarding their specific circumstances before implementing any strategy. Investment advice will only be given after a client engages in our services by executing the appropriate investment services agreement. Information regarding investment products and services is given solely to provide education regarding our investment philosophy and our strategies. You should not rely on any information provided on our website in making investment decisions. Market data, articles, and other content in this material are based on generally available information and are believed to be reliable. Foster Financial Services, LLC does not guarantee the accuracy of the information contained in this material. Foster Financial Services, LLC will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure), Part 2B (Supplemental Brochures), and Part 3 (Client Relationship Summary) prior to commencing an advisory relationship. You can also view these documents at any time at adviserinfo.sec.gov or by contacting us to request a copy.

We chat with Foster Financial’s Holistic Financial Planner Caleb Doane about inheriting taxable brokerage accounts.

09/22/2026

Can a spouse without earned income contribute to an IRA? In this Women's Wealth Wednesday segment on Wane, Caleb Doane explains how spousal IRAs work, who may qualify, contribution limits, potential tax advantages, and important deadlines. Learn how this retirement planning strategy can help maximize retirement savings and create additional tax-free growth opportunities through a Roth IRA.

Topics covered include:

Individual Retirement Accounts (IRAs)
Roth IRAs
Traditional IRAs
Earned Income Requirements
Spousal IRA Rules
Contribution Limits
Tax-free Growth
Taxable Brokerage Accounts
Household Retirement Saving Strategies
Income Eligibility Restrictions

To learn more or schedule a complimentary consultation, contact Foster Financial today. Call us at 260-234-2200 or visit us at www.fosterfinancial.net




Heather Foster, Caleb Doane, and Jonathon Pynchon are investment advisor representatives with Foster Financial Services, LLC. Advisory services are offered through Foster Financial Services, LLC, a registered investment advisor registered with the United States Securities and Exchange Commission. Registration with the SEC does not imply a certain level of skill or training and does not constitute an endorsement by the SEC. The information, opinions, and views expressed herein are provided by representatives of Foster Financial Services, LLC, and are subject to the firm's supervision, review, and compliance oversight. The content provided here is not intended to provide any tax or legal advice or provide the basis for any financial decisions. This sponsored segment is provided by Foster Financial Services, LLC for educational purposes only and should not be construed as investment, legal, or tax advice. The television station and host are compensated through a sponsorship arrangement and are not clients of Foster Financial Services. Any strategies discussed may not be suitable for all investors and are subject to risks, limitations, eligibility requirements, tax consequences, and applicable IRS rules. Investing involves risk, including the possible loss of principal. Tax laws and regulations are subject to change. Individuals should consult qualified financial, tax, and legal professionals regarding their specific circumstances before implementing any strategy. Investment advice will only be given after a client engages in our services by executing the appropriate investment services agreement. Information regarding investment products and services is given solely to provide education regarding our investment philosophy and our strategies. You should not rely on any information provided on our website in making investment decisions. Market data, articles, and other content in this material are based on generally available information and are believed to be reliable. Foster Financial Services, LLC does not guarantee the accuracy of the information contained in this material. Foster Financial Services, LLC will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure), Part 2B (Supplemental Brochures), and Part 3 (Client Relationship Summary) prior to commencing an advisory relationship. You can also view these documents at any time at adviserinfo.sec.gov or by contacting us to request a copy.

Living Local 15 host Jessica Williams is joined by Caleb Doane, Vice President of Foster Financial, as Caleb discusses how spouses can use each other’s earned income to make Roth IRA contributions.…

09/17/2026

John Pynchon explains what the S&P 500 is, how it works, and why understanding its structure matters. Learn how market-cap weighting affects performance, why a handful of large companies influence the index so heavily, and what investors should know about diversification and portfolio allocation.

Topics covered include:

S&P 500
Index Investing
Market Capitalization Weighting
Diversification
Exchange-traded Funds (ETFs)
Mutual Funds
401(k) Investing
Roth IRA Investing
Influence of the "Magnificent Seven" stocks

To learn more or schedule a complimentary consultation, contact Foster Financial today. Call us at 260-234-2200 or visit us at www.fosterfinancial.net




Heather Foster, Caleb Doane, and John Pynchon are investment advisor representatives with Foster Financial Services, LLC. Advisory services are offered through Foster Financial Services, LLC, a registered investment adviser registered with the United States Securities and Exchange Commission. The information, opinions, and views expressed herein are provided by representatives of Foster Financial Services, LLC, and are subject to the firm's supervision, review, and compliance oversight. The content provided here is not intended to provide any tax or legal advice or provide the basis for any financial decisions. This sponsored segment is provided by Foster Financial Services, LLC, for educational purposes only and should not be construed as investment, legal, or tax advice. The television station and host are compensated through a sponsorship arrangement and are not clients of Foster Financial Services. Any strategies discussed may not be suitable for all investors and are subject to risks, limitations, eligibility requirements, tax consequences, and applicable IRS rules. Investing involves risk, including the possible loss of principal. Tax laws and regulations are subject to change. Individuals should consult qualified financial, tax, and legal professionals regarding their specific circumstances before implementing any strategy. Foster Financial Services, LLC is a Registered Investment Advisor registered with the United States Securities and Exchange Commission (“SEC”). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the SEC or by any state securities authority. The information contained in this material is intended to provide general information about Foster Financial Services, LLC, and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages in our services by executing the appropriate investment services agreement. Information regarding investment products and services is given solely to provide education regarding our investment philosophy and our strategies. You should not rely on any information provided on our website in making investment decisions. Market data, articles, and other content in this material are based on generally available information and are believed to be reliable. Foster Financial Services, LLC does not guarantee the accuracy of the information contained in this material. Foster Financial Services, LLC will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure), Part 2B (Supplemental Brochures), and Part 3 (Client Relationship Summary) prior to commencing an advisory relationship. You can also view these documents at any time at adviserinfo.sec.gov or by contacting us to request a copy.

We sit down with Foster Financial’s Holistic Financial Planner John Pynchon to discuss the ins and outs of the S&P 500.

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46825

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