Smarter Vet Podcast

Send us Fan MailWhat does it really mean to be a leader?In this Smarter Vet Podcast Rewind, Tom Seeko sits down with Dr. Ernie Ward to discuss leadership, self-development, imposter syndrome, mental health, and the habits that help veterinary professionals thrive.Dr. Ward shares why leadership isn't limited to practice owners and managers, how veterinarians can overcome self-limiting beliefs, and why investing in your physical and mental well-being is essential for long-term success.Whether you're a new graduate, an associate veterinarian, a practice owner, or somewhere in between, this conversation offers practical wisdom for navigating challenges, building confidence, and becoming the leader of your own life.Listen as they discuss:• Imposter syndrome in veterinary medicine • The difference between managing others and leading yourself • Why mental and physical health drive professional success • Overcoming self-limiting beliefs • The importance of lifelong learning and growthLearn more about Dr. Ward and contact him: Dr. Ernie Ward, DVM, CVFT | Instagram, Facebook | EmailSmarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us Fan MailVeterinarians are making rapid-fire decisions all day — and the cognitive load is real. In today's episode, Tom sits down with Dr. Jamie Laity, founder of SmartVet AI, to talk about how AI can serve as clinical decision support, reduce mental fatigue, and help improve confidence when interpreting blood work.Jamie shares her journey from practice owner to mobile practitioner, and how her day-to-day challenges inspired her to create a tool that blends pattern recognition, differentials, client-friendly summaries, and quick next-step recommendations.SmartVet AI isn't about replacing veterinary brains—it's about supporting them so vets can spend less time wrestling with data and more time focusing on patients, clients, and balance in their lives.

Send us Fan MailIn this episode, Tom sits down with Brian Wine, Founder and CEO of The Wine Group, the leading brokerage specializing in veterinary hospital real estate and practice sales across the United States. Brian shares his unconventional path from film and entertainment into becoming the #1 seller of veterinary real estate in the country, and breaks down the key decisions practice owners face when evaluating whether to buy, lease, sell, or hold their property.You'll learn: • The major differences between owning vs. leasing (and why there's no one-size-fits-all answer) • How lenders evaluate veterinary real estate and why financing may be more accessible than many owners assume • The biggest misconceptions around valuing veterinary properties • How to future‑proof your real estate and avoid costly lease mistakes • Strategies to monetize both your business and your property while protecting long‑term legacyWhether you're an aspiring owner, seasoned practice leader, or preparing for transition, this episode offers practical insights you can apply immediately.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us Fan MailWhat if your veterinary practice could run more efficiently—without adding more stress to your team?In this episode, Tom Seeko sits down with veterinary technician specialist and MBA Kelly Cronin to explore how practices can rethink operations, improve workflows, and better support their teams.From remote team members to AI tools and smarter delegation, Kelly shares practical insights into how practices can reduce front-desk bottlenecks, improve client experiences, and create more sustainable team environments.Whether you're struggling with staffing, overwhelmed by administrative tasks, or looking for ways to better support your team, this conversation offers a fresh perspective on working smarter in veterinary medicine.

Send us Fan MailWhy do so many veterinary practice owners regret selling?In part 4 of this series, CJ Burnett and Tom Seeko break down the most common reasons owners feel uncertain—or even regretful—after exiting their practice.From selling too early or too late, to overlooking taxes and deal structure, to losing identity after the sale… the decision to sell is more than just a financial transaction.You'll learn:Why timing isn't just about the marketHow taxes and deal structure can impact your outcomeWhat many owners overlook before sellingWhy life after the sale needs just as much planning as the exit itselfHow identity, routine, and purpose play a role in regretIf you're thinking about selling—or even questioning when the right time is—this episode will help you think through both the financial and personal sides of the decision.

Send us Fan MailSelling your veterinary practice can create a significant financial milestone—but it also introduces a new challenge: how do you turn that lump sum into reliable income?In Part 3 of this 4-part series, Tom Seeko and CJ Burnett break down what happens after the sale and why many veterinarians feel uncertain about their financial future. From income gaps and market risk to tax considerations and lifestyle changes, this episode explores the real concerns practice owners face.You'll also learn a strategic framework designed to help create more clarity and confidence around income planning—so your next chapter feels as steady as the one you built.

Send us Fan MailThe five years before you exit your veterinary practice matter more than you think—and waiting too long could cost you significantly.In this episode, CJ Burnett and Tom Seeko break down the critical planning window leading up to a sale and why many practice owners delay the process longer than they should. From improving profitability and cleaning up reporting to building a management team and planning for life after the sale, they walk through what actually drives practice value.They also highlight common mistakes owners make—like relying too heavily on revenue instead of profit, mixing personal expenses into the business, and underestimating the emotional side of selling.If you want to maximize your practice value and create a smoother transition, this episode will help you start thinking like a business owner—not just a veterinarian.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us Fan MailVeterinarians often feel stretched thin, overwhelmed, and unsure of how to lead effectively while maintaining balance—but it doesn't have to be that way. In this episode, Tom sits down with Dr. Emily King, founder of All-Star Veterinary Clinic, to explore the leadership principles that helped her grow a thriving practice, build strong teams, and eventually navigate a successful transition to corporate partnership.Emily opens up about:How intentional leadership shaped her culture and successWhy veterinarians struggle with delegationWhat made 2021 the right year to sell her practiceHer growing social media influence and mission to bring positivity to vet medWhat she sees as the next big steps in her careerWhether you're a current owner, future owner, or a veterinarian searching for clarity, you'll find powerful takeaways you can apply today.

Send us Fan MailMany practice owners assume their business will fund retirement — but the real question is: Is your practice actually sellable? In Part 1 of this 4-part series, Tom Seeko and CJ Burnett break down what buyers look for when purchasing a veterinary hospital, and what can quietly reduce practice value.You'll hear how practice value is tied to what transfers to a buyer — including:Consistent profitabilityA strong, stable teamDocumented systems and processesA stable client baseClean financialsLimited owner dependenceThey also cover common value-killers like poor bookkeeping, unclear roles, high turnover, and a practice that can't function without the owner.Reflection question: If you disappeared for 90 days… what happens?Explore more resources: flvetadvisors.com Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us Fan MailTwo veterinarians can earn the same income, live a similar lifestyle, and still end up in completely different financial positions.In this episode of the Smarter Vet Podcast, Tom Seeko and CJ Burnett unpack why financial outcomes are rarely about income alone. They explore the role of perception, habits, and common money mindsets that quietly keep veterinarians stuck—like believing busy equals successful, assuming you'll “catch up later,” or relying on a future practice sale as a retirement plan.This conversation challenges listeners to think differently about control, intentionality, and aligning their business and personal finances to create clarity and confidence.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us Fan MailThis episode marks a major milestone—200 episodes of the Smarter Vet Financial Podcast. To celebrate, CJ Burnett and Tom Seeko step back to reflect on what they've consistently seen work—and not work—for veterinarians over the past decade.They break down three common patterns that hold people back: lack of clarity, believing more income automatically equals progress, and the mindset of “I'll figure it out later.” Then, they share the foundational principles that lead to real financial progress: clarity, consistent saving, and alignment between personal and practice goals.This conversation is about simplifying finances, building sustainable habits, and creating financial independence—without relying solely on practice sales or income growth.

Send us Fan MailPractice ownership can feel like a rollercoaster — incredible highs, heavy responsibilities, and moments that make you question why you started in the first place.In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down the real-world trials and trivia of veterinary practice ownership. From financial pressure and decision fatigue to emotional load and leadership challenges, they unpack the parts of ownership that often go unspoken.They also highlight the quieter wins: building a lasting culture, developing confident associates, creating optionality, and designing a practice that supports both your lifestyle and long-term financial goals.Whether you're aspiring to own, currently owning and overwhelmed, or somewhere in between, this conversation offers clarity on what ownership actually looks like — and how structure and financial clarity can change everything.

Send us Fan MailCommunication isn't just announcements—it's how veterinary teams connect, support each other, and deliver care. In this episode, Tom Seeko sits down with Catherine Haskins, founder/CEO of The Bridge Club and co‑founder of Project Sticker, to talk about the realities of communication inside practices, the shift toward smaller, more intentional networking, and practical ways leaders can support mental health on fast‑moving teams.We cover: • Why “more” communication isn't always better—and when it isn't enough • How to make connection intentional (and doable) in a packed schedule • The role of authenticity, conflict, and clarity in team culture • Project Sticker's simple ideas (like 5‑minute buffers) to protect mental health • A quick win any practice can implement this week: notice → check in → follow upResources & Links:Florida Veterinary Advisors: https://flvetadvisors.comFull Episode (Audio): https://flveterinaryadvisors.com/smarter-vet-financial-podcast/The Bridge Club: https://thebridgeclub.com/Project Sticker: https://stickwithus.vetAVMA QPR Gatekeeper (free): https://www.avma.org/resources-tools/wellbeing/qpr-suicide-prevention-trainingEnjoying the show? Please rate/review on Apple Podcasts or Spotify—this helps other veterinary professionals find us.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us Fan MailVeterinary medicine isn't about the money—but avoiding finances can quietly create stress, burnout, and long-term consequences.In this episode of the SmarterVet Financial Podcast, CJ Burnett and Tom Seeko unpack the hidden cost of financial avoidance in veterinary medicine. From subscription creep and pricing hesitation to discomfort around money conversations, they explore why so many veterinarians sidestep finances—and how that avoidance compounds over time.You'll hear real-world examples of how ignoring financial decisions impacts personal stress, business stability, retirement readiness, and career flexibility. More importantly, CJ and Tom reframe financial clarity not as greed—but as a tool that supports better medicine, stronger practices, and long-term sustainability.If finances feel overwhelming, avoided, or emotionally charged, this conversation will help you see money through a clearer, more constructive lens.

Send us Fan MailIn this episode of the SmarterVet Financial Podcast, Tom sits down with Anthony LaPolla, Founder & CEO of Empower Business Strategies, to explore one of the biggest challenges facing veterinary practices today: retention and HR structure.Anthony shares why so many clinics struggle to keep good people, the hidden causes behind turnover, what strong onboarding and training should look like, and why compliance is almost always the first place to start. They also discuss the importance of leadership, systems, consistency, and building a true people-first culture.If you've ever felt overwhelmed by HR, unsure about your training process, or curious why your team isn't sticking around, this is a conversation you don't want to miss.

Send us Fan MailImposter syndrome affects veterinarians at every stage of their careers—from new graduates to long‑time practice owners. Even when life looks stable on the outside, many still feel behind, exposed, or uncertain if they truly belong.In this episode, CJ and Tom explore: Why imposter syndrome is so common in veterinary medicine How perfection training and comparison culture amplify self‑doubt The hidden emotional roots behind financial fear Why success doesn't always feel successful Practical steps to break the cycle and regain confidenceTune in for a grounded, real‑world perspective on an issue many vets experience but rarely talk about.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us Fan MailVeterinary medicine is full of passion, purpose, and pressure—but how do you build a career and a life that feel sustainable? In this episode, Tom sits down with Dr. Andy Roark to explore the mindset shifts and financial habits that help veterinary professionals create long‑term stability while staying connected to the work they love.Andy shares his winding path into veterinary medicine, how the profession is changing, why affordability conversations must include support staff and veterinarians, and what practices can do to better support their teams. They also dig into long‑term financial health, simple strategies for investing, and why “pay yourself first” matters more than ever.If you're a veterinarian, practice owner, technician, or anyone working in the profession, this conversation offers meaningful perspective you can put into action.Connect with Dr. Andy Roark by visiting his website, listening to his podcast or by finding out more info about Unchartered. Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels: Instagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665#SmarterVet #VetLife #VeterinaryLeadership #VetCareers

Send us Fan MailMany veterinarians build wealth using mutual funds, but once a portfolio grows into the seven‑figure range, the hidden challenges begin. Taxes you didn't expect. Overlapping holdings you didn't realize you owned. Lack of customization. And far less control than your financial life now requires.In this episode, CJ and Tom break down why mutual funds are often great when you're just getting started—but may cause major hurdles once your portfolio exceeds $1M. You'll learn how taxes can quietly erode wealth, why diversification isn't always what it seems, and how high‑net‑worth investors can regain control by structuring their investments with more precision.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances: 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment: Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice: Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a textMost veterinarians assume that more risk equals more return—but that's rarely how real financial life works. In this episode, Tom and CJ break down the hidden risks veterinarians carry mid‑career, how concentration risk shows up in both income and practice ownership, and why chasing high returns can actually set you back.You'll hear stories from real conversations, practical examples, and three powerful questions to help you evaluate whether the risks you're taking truly align with the outcomes you want.Whether you're a practice owner, an associate, or somewhere in between, this is a conversation every veterinarian should hear.Grab a copy of our book Unleashed: The Financial Clarity Every Veterinarian Needs, visit FLVetAdvisors.com for CE and resources, and be sure to rate and review the podcast!Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a textMany veterinarians say they don't make enough, can't change jobs, can't reduce hours, or will “never be able to retire.” But is that really about income… or about options?In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down why financial freedom isn't defined by net worth or a big salary—it's defined by flexibility. Whether it's taking time off, changing clinics, relocating, starting a family, walking away from a toxic workplace, or even pursuing ownership, your options come from liquidity, structure, and boundaries, not your income level.You'll hear how lifestyle creep, locked-up retirement dollars, and lack of structure can make high earners feel broke—and how simple shifts like using a Wealth Coordination Account can help you create space, control, and the ability to choose your next step.If you enjoy this episode, explore race-approved CE, masterclasses, and our book Unleashed: The Financial Clarity Every Veterinarian Needs at FLVetAdvisors.com. And if you haven't already, leaving a rating/review on Apple or Spotify helps more veterinarians find this show.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances: 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment: Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice: Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a textIn this episode of the Smarter Vet Financial Podcast, Tom Seeko welcomes back Andrea Crabtree of Furpaws Consulting for a candid conversation about leadership, communication, and accountability in veterinary practices. Andrea shares insights from her journey from practice manager to consultant and explains why communication breakdowns—not skill gaps—are often the root of practice challenges. Together, they explore simple but powerful ways teams can improve culture, retention, and performance through intentional training and curiosity-driven leadership. This episode is a must-listen for practice owners and managers who want stronger teams and healthier practices.To contact Andrea, please check out the resources below...Furpaws Consulting: https://www.furpawsconsulting.com/   Executive Leadership Workshop:  https://www.furpawsconsulting.com/symposiums  PAWSitive Leadership Podcast: https://www.podbean.com/pi/pbblog-zkq48-9bfab3 LinkedIn: https://www.linkedin.com/in/andrea-crabtree-bs-cvpm-sphr-phrca-ccfp-fear-free-000a7985/  Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a textOn this episode of the Smarter Vet Financial Podcast, Tom Seeko and CJ Burnett, co-founders of Florida Veterinary Advisors, walk through a clear framework for answering one of the most common questions vets ask: “Am I financially on track?” They break your journey into four phases—25–30, 30–40, 40–55, and 55+—so you can see what typically matters most at each.You'll hear practical context around student loans, changing pay scales, the rise (and shifts) in relief work, when ownership or career pivots make sense, and how to build a retirement income plan that supports your lifestyle without guesswork.If you enjoy this show, explore more resources at FLVetAdvisors.com, including our book Unleashed: The Financial Clarity Every Veterinarian Needs. And if this episode helped you, a quick rating/review on Apple or Spotify helps other vets find the show.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances: 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment: Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice: Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a textIs a “no‑fail” retirement plan actually possible?In this episode, Tom and CJ break down why the traditional approach to retirement often falls short — and what it really takes to build income that lasts through every market cycle, tax change, and stage of life.They walk through how to think beyond account balances, how timing risk affects retirement security, why tax diversification matters, and how to create predictable income instead of relying solely on market performance.You'll learn how to structure your assets with intention, build stability into your plan, and create a retirement strategy that works in real life — not just in ideal scenarios. Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textHow do you actually build wealth — not just in theory, but in real life? In this episode, CJ and Tom walk through a simple, practical framework veterinarians can use to make smarter financial decisions with less stress and more clarity.They break down how to assign a time horizon to each dollar, how to make sure money is accessible for real‑life needs, how to think about taxes in a strategic way, and how to evaluate risk beyond just investment volatility.Whether you're early in your career or approaching retirement, this episode helps you understand how to structure your finances so you can adjust, pivot, and stay flexible as life changes.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textIn this episode of the SmarterVet Financial Podcast, Tom Seeko sits down with Lindsay McMakin to explore the real-world challenges and opportunities in veterinary practice management. Lindsay shares her inspiring journey from receptionist to practice manager and consultant, offering actionable strategies for hiring with culture in mind, boosting financial literacy, and using technology to enhance — not replace — the human side of veterinary care. Tune in to learn how aligning your financial systems, improving accountability through regular meetings, and seeking expert guidance can help you build a thriving, sustainable practice.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels:Instagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665 

Send us a textSaving money isn't exciting, flashy, or fun — but it is the one habit that consistently builds real wealth. In this episode, the third of five in the series, CJ and Tom break down why aiming for 20% of your gross income is a game changer, why most people struggle to save, and how their Wealth Coordination Account creates control, clarity, and confidence in your financial life. With a few clicks, you'll be on your way to matching your career goals with your life's passions. We help hundreds of vets, like you, make confident decisions and take the next step toward knowing where you want to go in the future. On this page: https://flveterinaryadvisors.com/5-simple-financial-steps/ you will find resources that can help you become a World Class Saver, produce the most income through retirement, protect your most valuable asset and more. Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textMost financial plans don't fail because of markets—they fail because of unplanned life events. In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko explain why risk is the silent plan killer for veterinarians and practice owners. They break down the real-world risks that can derail a plan, including disability, lawsuits, outdated legal documents, insurance gaps, and business-owner exposure. This conversation reframes risk management as resilience planning and challenges listeners to decide who they want absorbing the risk when life happens.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textIf your finances feel more like a junk drawer than neatly folded laundry, this episode is for you. Tom and We kick off a five-part series by focusing on Step 1: getting financially organized so you can reduce stress, decision fatigue, and the “head-in-the-sand” feeling. You'll hear a simple way to build a snapshot of your money—assets, debts, protection items, and cash flow—plus ideas for storing everything in one secure, easy-to-find place. Check the show notes for a downloadable checklist to help you gather the key documents and start building your system.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textGoing into a new year can bring a lot of financial stress—especially when you're trying to control things you simply can't. In this episode, we break down the big categories you can't control (markets, inflation/interest rates, and unexpected life events) and the areas you can control (savings rate, spending decisions, risk/insurance, debt strategy, and your investing approach). You'll hear practical ways to reduce anxiety, avoid lifestyle creep, and build a financial “wall” that helps you absorb life's curveballs. Pick one action step to start today—like increasing savings by 1%, tracking spending for 24 hours, or reviewing your insurance coverage.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Financial Podcast, Tom sits down with Dr. Jennifer Bruns, Senior Director of Veterinary Relationships at PetSmart Veterinary Services, to explore the many paths a veterinary career can take. Dr. Bruns shares her journey from cleaning kennels and chasing E. coli and salmonella as an epidemiologist to mentoring independent owners inside PetSmart locations. Together, they dive into strategic thinking, financial literacy, and the people skills veterinarians need to thrive as leaders and owners—plus how PetSmart's model helps doctors own a practice without carrying the full weight of real estate and marketing. Whether you're a student, associate, or aspiring owner, this conversation will challenge your assumptions about what's possible and remind you that your DVM can open more doors than you think.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Financial Podcast, Tom sits down with Baxtr founder Mark Hines to talk about how subscription-based wellness plans can transform access to care, client loyalty, and practice revenue. Mark shares his unconventional journey from audio geek and home theater entrepreneur to building simple, powerful membership tools for dental and veterinary practices. They dig into why practices tend to overcomplicate wellness plans, how Baxtr removes the “73 clicks” from the process, and why monthly payments and a member mindset are so valuable for both clients and clinics. If you've been thinking about wellness plans but feel stuck on the logistics, this conversation will give you a practical, low-friction way to finally “just do it.” Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Financial Podcast, Tom sits down with Dr. Bob Murtaugh—founding dean of Rocky Vista University College of Veterinary Medicine, boarded internist and criticalist, and long-time leader in both academia and corporate practice. Dr. Murtaugh shares how saying “yes” to unexpected opportunities—from running a teaching hospital in his 20s to helping scale a hospital group from 15 to 350 locations—shaped his career and impact on vet med. They dive into what it really takes to scale without losing culture, how to navigate consolidation with an open mind, and why the best corporate or independent fit comes down to values, leadership, and communication. You'll also hear his perspective on “preferment” instead of retirement, why veterinarians are spelled L-E-A-D-E-R, and the soft skills that matter most if you want a fulfilling, financially strong career in veterinary medicine.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textThe Smarter Vet Financial Podcast welcomes Dr. Brent Mayabb, Global Chief Medical Officer at Royal Canin, for a candid conversation on purpose, communication, and leading across cultures. Brent shares how transparency and psychological safety help teams navigate hard cases, rising client expectations, and burnout risk. He offers a hopeful outlook for a new wave of private practice ownership and the leadership habits that make it work. Listen for practical takeaways and resources you can use with your team today.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ 

Send us a textIn this episode of the Smarter Vet Financial Podcast, hosts Tom Seeko and guest Eric Benke dive into the financial side of veterinary practice ownership, focusing on the power of key performance indicators (KPIs) to drive profitability and growth. They explore metrics like client retention, revenue per DVM, and net profit margin—explaining how tracking the right numbers can reveal hidden gaps, improve compliance, and guide smarter business decisions. Eric also shares how implementing wellness plans can boost visit frequency and strengthen client relationships. Whether you're just starting to track metrics or looking to optimize your operations, this episode delivers actionable strategies for long-term success.If you'd like to contact Eric about Kanter Consulting Group's services or if you have any questions, visit their website here or call 813-855-5433. Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textShould you pay off debt faster or focus on saving money? It's one of the most common—and confusing—financial questions veterinarians face. In this episode, Tom and CJ unpack the trade-offs, emotions, and math behind debt repayment versus saving, sharing simple frameworks that help you find balance instead of burnout. Learn how to create financial freedom within your money habits, so you can build wealth while still sleeping at night.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textHave you ever paid less for something and later realized it cost you more in time, stress, or mistakes? In this episode, Tom and CJ break down one of the most confusing money concepts—value versus price—and how it shows up in everything from investing to client care. They share real-life examples that help veterinarians think beyond “what does it cost?” and start asking “what is it worth?” Learn how reframing your decisions around value can lead to better outcomes for your practice, your money, and your peace of mind.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textMany veterinarians switch advisors for reasons that have nothing to do with performance—and everything to do with communication, clarity, and trust. In this episode, CJ and Tom unpack the most common breakpoints: “I never hear from them,” unclear fees and value, chasing returns without a real plan, and relationships that simply outgrow the advisor. They explain how to set expectations, what a true plan looks like beyond investments, and why simple, repeatable decisions compound more than headline returns. If you're wondering whether your current relationship is working, this conversation gives you a thoughtful checklist—and a nudge to get a second set of eyes if something feels off.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Financial Podcast, Tom Seeko sits down with Dr. Molly McAllister, Global Chief Medical Officer at Mars Veterinary Health, for a candid conversation about growing as a leader, keeping your energy high, and making an impact that reaches far beyond individual appointments. Molly shares her non-linear path from equine and small-animal practice to executive leadership, why veterinarians are uniquely equipped to lead, and how simple habits (and clear communication) create sustainable performance.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textTalking about money in VetMed shouldn't feel taboo—but it often does. In this episode, Tom and CJ unpack why money talk triggers identity, emotion, and power dynamics for veterinarians, and how culture (and student loans) can make it worse. You'll hear practical ways to build confidence—like tracking net worth yearly, setting values-based goals, and creating a guilt-free zone for financial conversations. If you're ready to replace shame with clarity, this one's for you.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textYour 60s are the crucial handoff from a paycheck to a “balance-sheet paycheck.” In this episode, Tom and CJ break down five common challenges veterinarians face in that decade: mindset shift, debt decisions (including mortgages), retirement income confidence, healthcare/Medicare gaps, and estate/legacy readiness. You'll hear practical ways to align savings, risk, and taxes so your lifestyle doesn't have to shrink after you stop practicing. If this helped you, share it with a colleague and leave a rating so more vets can find the show.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textFeeling the shift as you move through your 50s? In this candid episode, Tom Seeko and CJ Burnett explore the decade when retirement becomes real, bodies change, and financial priorities shift in ways that can feel overwhelming. They talk about how to avoid risky investment moves, prepare for the realities of caring for both children and aging parents, and make wise choices around debt, housing, and estate planning. By connecting health habits with financial outcomes, they show how small, intentional steps today can protect your wealth and help you step into retirement with clarity and confidence.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors Instagram-https://www.instagram.com/flveterinaryadvisors/ YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665  

Send us a text360 Vet Sales (free valuation & consult): 360VetSales.comContact: kia@360vetsales.com | matthew@360vetsales.comThinking about selling your hospital in the next 1–5 years—or just want to know your options? In this episode, Tom Seeko talks with Matt Arena (Founder) and Kia Banisadre (Business Development Officer) of 360 Vet Sales about what it really takes to prepare, go to market, and land a deal you'll feel good about long after closing.In this conversation, you'll learn:Misconceptions that cost owners money (it's not “corporate = bad,” and you don't have to be ready to retire tomorrow).Face value vs. market value: why competition among buyers (not just your P&L) drives price.The 12–24 month prep window: what to fix now in margins, pricing, and reporting to boost valuation.Your deal team: tax pro, financial advisor, M&A attorney—and why a broker often pays for themselves.The emotional side of selling: protecting staff, preserving standard of care, and honoring your legacy.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors Instagram- https://www.instagram.com/flveterinaryadvisors/ YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textYour 40s can feel like the “crunch decade”—income peaks, expenses pile up, and retirement starts to feel real. In this episode, Tom Seeko and CJ Burnett unpack how to balance saving with lifestyle and college costs, avoid lifestyle creep, and shift from “set it and forget it” to intentional planning. They dig into career pivots and burnout in veterinary medicine, plus why insurance and estate planning (wills, trusts, beneficiaries) can't wait. You'll leave with simple moves to prioritize your future self without neglecting the people you love today.Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors Instagram-https://www.instagram.com/flveterinaryadvisors/ YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665 

Send us a textYour 30s can feel like a financial tug-of-war—student loans, mortgages, childcare, career moves, and even the first itch of practice ownership all competing for the same dollars. CJ and Tom break down how to set clear priorities, build a right-sized emergency fund (not a one-size-fits-all $1,000), and save while paying down debt so you're not negotiating “this or that” when “this and that” is possible with a plan. They also cover boundaries to avoid burnout, why insurance and basic legal docs matter now, and a simple target to automate 20% of income toward assets that produce future cash flow. If you're making more than ever but still feel paycheck-to-paycheck, this one's for you.Watch the no-cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors Instagram-https://www.instagram.com/flveterinaryadvisors/ YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textYour 20s bring a whirlwind of firsts—new job, new income, new decisions—and most vets feel pulled between “pay off debt now” and “start living life.” In this episode, Tom and CJ share a balanced approach: build habits first, right-size your emergency fund, and save while paying loans so you don't trade a 6% loan for 20% credit card debt later. You'll hear simple boundaries to prevent lifestyle creep and burnout, plus practical cues for when it's actually okay to make the big purchase. If you want confidence, not chaos, as you launch your career, start here.Watch the no-cost 5-part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors Instagram-https://www.instagram.com/flveterinaryadvisors/ YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textIn this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko dive into the psychology of change—why some people chase it and others avoid it at all costs. From personal habits to financial planning, they explore how meaningful growth often demands stepping outside your comfort zone. You'll hear insights on overcoming resistance, dealing with lifestyle creep, and making space for the behaviors that lead to lasting success. If you've ever struggled with change, this conversation will challenge your mindset and equip you with practical ways to move forward with clarity and confidence.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Financial Podcast, Tom Seeko interviews Dr. Michelle Drake—veterinarian, author, and long-time practice owner. Dr. Drake shares how she built a mission-driven veterinary practice, the importance of planning and leadership, and why working on your business matters. She also discusses the challenges of staying independent and her transition into speaking and writing to mentor others. Tune in for expert advice on veterinary practice management, leadership, and sustainable growth.Learn more about Genius Vets and the work they do here and consider purchasing Dr. Drake's book, Veterinary Leadership: A Practical Guide for Practice Owners and Managers here!Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ 

Send us a textIn this episode of The Smarter Vet Podcast, CJ Burnett and Tom Seeko dive into the often-overlooked emotional and behavioral side of financial planning. From the weight of student loans to the comfort of feeling financially secure, they unpack the different mindsets people have about their futures—and how those perspectives shape real-world outcomes.They explore how spending and saving habits, tax management, and overall financial awareness can either accelerate or stall your growth. You'll discover why understanding your “financial camp” is key, and how proactive planning can replace uncertainty with peace of mind.If you've ever wondered how to break free from financial stress and make your money work harder for you, this conversation is packed with insights to help you get there.

Send us a textIn this episode of The Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko dive into a powerful yet often overlooked principle in both veterinary practices and financial planning: make it easy. They unpack how simplifying client interactions, streamlining internal processes, and being mindful of cognitive biases can drastically improve decision-making, satisfaction, and follow-through.Whether you're scheduling appointments or guiding financial choices, reducing friction is the key to better outcomes. Tune in to learn actionable strategies to create a more welcoming experience, limit overwhelm, and ultimately build stronger, longer-lasting client relationships.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of The Smarter Vet Financial Podcast, hosts CJ Burnett and Tom Seeko unpack why even high earners often struggle to save—and what to do about it. After some lighthearted banter, they dive into the psychology behind spending and introduce a powerful solution: the Wealth Coordination Account (WCA).This simple but strategic system involves routing all income into a separate account before sending a controlled amount to your personal checking. The result? You limit lifestyle creep and start saving with intention.CJ and Tom explain how this structure helps remove emotion from your financial decisions, keeps your spending in check, and aligns your money with long-term goals. If you're ready to break free from unproductive habits and take control of your cash flow, this episode is a must-listen.Need help setting it up? Reach out to our team—we're here to guide you: info@nextstepfinances.com.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of The Smarter Vet Podcast, CJ Burnett and Tom Seeko break down what business owners need to know about selling their business — from why timing is critical to why age shouldn't dictate your exit. They challenge traditional views of retirement, highlight the difference between revenue and true profit, and explain how intentional living and solid financial planning can help you achieve independence beyond your business. If you're thinking about selling or planning for the future, this episode is a must-listen.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ