The Money and Meaning Show

In this episode of Money & Meaning, host Jeff Bernier welcomes back Larry Swedroe, author, consultant, and former Director of Research at Buckingham Strategic Wealth. They explore how retirees and pre-retirees can construct portfolios that reduce risk, smooth returns, and withstand market shocks. Larry breaks down key principles of evidence-based investing, the importance of understanding risk tolerance, and the evolving role of alternative assets like private credit and reinsurance in modern portfolios. Topics covered: Defining ability, willingness, and need to take investment risk Understanding the three-legged risk assessment framework for retirement planning The philosophy and principles behind evidence-based investing Core criteria for evaluating investment assets and risk factors Why beating the market is increasingly difficult for active managers Strategic use of factors like value, quality, momentum, and small-cap stocks Introduction to private market investments and their role in reducing sequence risk Characteristics and advantages of reinsurance, private credit, and infrastructure The role of illiquidity as a feature—not a bug—in long-term investing Shifts in the accessibility and cost of alternative investments How retirees can improve risk-adjusted returns through smarter diversification Common misconceptions around timing and liquidity in private markets Evaluating alternatives based on implementation cost and diversification Useful Links:  Jeff Bernier on LinkedIn  Larry Swedroe on LinkedIn  Larry Swedroe on Substack  TandemGrowth Financial Advisors

In this short-form edition of the Money & Meaning Show, Jeff Bernier shares a perspective on simplifying investment thinking during uncertain times. He outlines three fundamental binary choices investors face: having faith in the future or not, being goal-focused versus performance-driven, and choosing to own businesses versus lending to them. Jeff encourages listeners to return to first principles as they consider how to position themselves for long-term financial success. Topics covered: • Why investing is simple, but not easy • The importance of returning to first principles in volatile times • Faith in the future vs. pessimism • Being goal-focused and planning driven vs. market-focused and performance driven • Ownership of the world's great businesses vs. lending through fixed income • How long-term optimism impacts investment outcomes • Historical stock market performance as context for rational optimism • Simplifying investment decisions to cut through daily noise Useful Links:  Jeff Bernier on LinkedIn  TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier speaks with Rubin Miller, founder and Chief Investment Officer of Peltoma Capital Partners and author of the Fortunes and Frictions blog. They explore Rubin's journey from trading floors to founding a boutique advisory firm, discuss market philosophy, and examine the tension between serving high-net-worth clients and reaching broader audiences. Rubin shares his views on investment process, financial planning, and what it means to live a meaningful life—both personally and professionally. Topics covered:  Rubin's professional path from bond trading to launching Peltoma Capital  His firm's investment philosophy: market efficiency, diversification, and implementation  Thoughts on small-cap and value premiums  How bond portfolios are influenced by the shape of the yield curve  The difference between financial planning timelines and academic investment research  Role of financial advisors: planning vs. investment management  Frictions that prevent investors from executing sound strategies  Rubin's passion for making financial education accessible to all  Defining “a perfect day” and the broader idea of fortune  Reflections on personal growth and recovering from setbacks Useful Links: Jeff Bernier on LinkedIn Peltoma Capital Partners TandemGrowth Financial Advisors

In this Perspectives episode of The Money & Meaning Show, Jeff Bernier explores how long-term investors can maintain confidence amid economic uncertainty. He outlines the frequency of recessions across a typical retirement span and emphasizes the importance of diversification, revisiting foundational investment principles. Drawing on insights from Joe Wiggins' recent blog, Jeff addresses the dangers of "line-item thinking" and highlights how a holistic approach to portfolio construction can lead to better outcomes over time. (Note: This episode was recorded on April 1, 2025. Charts in the broadcast are as of March 31, 2025.) Topics covered: Historical frequency of recessions and their relevance to retirement planning Life expectancy and planning for longevity in retirement Why long-term investment policy should remain steady through market noise Economic uncertainties under the new administration The risks of reacting to short-term market predictions Concept and consequences of "line-item thinking" Performance comparison of U.S. vs. international equities Asset class analysis: small value vs. large core equities Role of bonds in a diversified portfolio during downturns Key takeaways from Joe Wiggins' blog on behavioral finance Building resilient, anti-fragile portfolios for long-term success The real risk: inability to meet financial goals The importance of thinking holistically about portfolios   Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ Joe Wiggins' Behavioural Investment blog: https://behaviouralinvestment.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes Ben Katt, author of The Way Home: Discovering the Hero's Journey to Wholeness in Midlife. Ben is a transformation coach, meditation teacher, and former pastor who helps individuals navigate personal growth and midlife transitions. Together, they explore the significance of Joseph Campbell's Hero's Journey, the process of leaving the familiar, facing the unknown, and returning to a renewed sense of self. Ben shares insights on spirituality, purpose, and belonging, offering practical guidance for those moving into the next chapter of their lives. This conversation is invaluable for mid-to-late career individuals seeking meaning and direction beyond financial success. Topics covered: Joseph Campbell's Hero's Journey and its relevance to personal transformation The three stages of the journey: leaving the familiar, falling into the unknown, and rising to wholeness Identifying and responding to the "call to adventure" in life transitions The importance of solitude, mindfulness, and self-reflection in discovering personal purpose How unresolved childhood patterns shape adult identity and decision-making Learning to embrace uncertainty and trust in life's unfolding process The impact of societal expectations and achievement-driven identities Finding fulfillment beyond financial success in midlife and retirement The role of meditation, spiritual practice, and community in personal growth Practical steps for stepping into a new phase of life with intention Useful Links: Jeff Bernier on LinkedIn Ben Katt on LinkedIn: https://www.linkedin.com/in/benkatt Ben Katt: https://www.benjaminkatt.com/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this Perspectives episode of Money & Meaning, host Jeff Bernier shares insights on handling uncertainty during challenging times. Reflecting on past crises—9/11, the Great Financial Crisis, and the COVID-19 pandemic—Jeff explores how emotions can cloud judgment and why it's essential to develop strategies for managing risk and uncertainty. He provides practical advice on staying grounded, focusing on long-term goals, and avoiding fear-based decision-making. Whether you're feeling anxious about political change, market fluctuations, or the broader economic landscape, this episode offers a thoughtful approach to maintaining clarity and confidence in uncertain times. Topics covered: The cyclical nature of uncertainty and how history offers perspective The difference between risk (manageable) and uncertainty (unbounded) The importance of journaling as a tool for reflection and growth Strategies for handling uncertainty: Clarifying personal values and beliefs Maintaining faith in the future and a long-term perspective Being selective about the media and content consumed Focusing on relationships, opportunities, and personal growth Practicing gratitude and avoiding reactionary decision-making Why politics should not drive investment decisions The role of goal-focused, planning-driven investing versus market-focused, performance-driven investing Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes Phil Huber, Managing Director and Head of Portfolio Solutions at Cliffwater. Phil is also the author of The Allocator's Edge, a modern guide to alternative investments and portfolio diversification. They discuss the evolving role of alternative investments, the challenges facing traditional 60/40 portfolios, and how private markets and new fund structures are reshaping opportunities for financial advisors and individual investors. This episode is essential listening for those looking to build more resilient, well-diversified investment strategies. Topics covered: Phil Huber's background and career journey in wealth management and alternative investing The definition and misconceptions of alternative investments The rise of private credit, private equity, and interval funds Why liquidity matters and how it impacts returns Challenges of the traditional 60/40 portfolio in today's market environment The role of private markets in retirement income planning How rising bond yields affect portfolio allocation decisions Key considerations for investors exploring alternative investments Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ Phil Huber on LinkedIn: https://www.linkedin.com/in/phil-huber Cliffwater: https://www.cliffwater.com/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this special "Money & Meaning Perspectives" episode, host Jeff Bernier shares key insights from recent readings and market trends to help listeners make informed financial decisions. He explores the concept of financial bubbles, including lessons from historical market cycles and current concerns surrounding the concentration of a few major stocks. Jeff also discusses recent breakthroughs in artificial intelligence with the rise of DeepSeek and its potential impact on industries, alongside the importance of international diversification in investment strategies. Tune in for a concise yet insightful update on market trends and strategic investing. Topics covered: The concept of financial bubbles and historical market cycles Lessons from the 1920s auto industry and the 1999 dot-com boom Insights from Howard Marks on market valuation concerns The rise of DeepSeek AI and its disruptive impact on the tech sector Comparisons between the current AI boom and past technological revolutions The importance of international diversification in investment portfolios U.S. market dominance and historical parallels with Japan's market rise Valuation considerations when investing in different global markets The role of diversification in managing investment risk Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier interviews Hunter Ewing, co-founder and director of Private Lines Insurance at Higher Ground Risk. They explore the essentials of risk management, including protecting assets, managing liability, and understanding insurance coverage in today's evolving insurance market. Hunter shares industry insights, practical advice, and personal anecdotes that highlight the importance of proactive financial protection. Topics covered: The fundamentals of risk management in personal financial planning Common types of personal insurance: home, auto, umbrella, and valuable articles coverage The impact of severe weather events on insurance costs Key considerations when purchasing flood insurance Recent industry changes in insurance underwriting and coverage Misconceptions about personal insurance and financial planning integration The importance of working with independent insurance agents Best practices for maintaining adequate insurance coverage How to evaluate insurance needs for new home purchases and renovations Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ Hunter Ewing on LinkedIn: https://www.linkedin.com/in/hunter-ewing-5460a2a2 High Ground Company: https://www.highgroundcompany.com/copy-of-hunter-ewing  Tandem Growth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes back Dr. Daniel Crosby, a New York Times bestselling author and Chief Behavioral Officer at Orion. Together, they discuss concepts from Crosby's new book, The Soul of Wealth, exploring how financial well-being intersects with psychology and personal growth. From defining “soulful wealth” to the psychology behind money and happiness, the conversation offers practical insights on aligning financial decisions with what truly matters for a fulfilling life. Topics covered:  Overview of Dr. Crosby's career and role as Chief Behavioral Officer at Orion  Exploring The Soul of Wealth and its unique, contemplative format  Defining “soulful wealth” and why wealth is about more than finances  The impact of meaningful work on life satisfaction and wealth  Research findings on money and happiness  Spending habits that contribute to lasting happiness and fulfillment  The link between generosity, well-being, and the concept of “wealth”  Behavioral insights for better financial decision-making  The importance of flexibility in financial planning to accommodate personal growth  Unique financial strengths and investment tendencies of women  Setting deeply personal, meaningful financial goals for stronger motivation Useful Links:  Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/  Daniel Crosby on LinkedIn: https://www.linkedin.com/in/danielcrosby  Orion: https://orion.com/  TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ 

In this episode of Money & Meaning, host Jeff Bernier sits down with Sherry Finkel Murphy, founder and CEO of Madrina Molly LLC. Sherry is a seasoned financial planner who focuses on helping midlife women navigate the complexities of financial and longevity planning. They explore the challenges faced by women in the "Triple Decker Club Sandwich Generation," discuss strategies for reinventing life after 50, and dive into Sherry's mission to provide financial education through her community platform, Madrina Molly. This conversation offers valuable insights for those seeking to align their financial resources with their personal values and life goals. Topics covered:  Challenges of the "Triple Decker Club Sandwich Generation" and its impact on midlife women.  Sherry's career journey from financial planner to the founder of Madrina Molly.  Common financial and emotional struggles among midlife women, including shame around money.  The importance of financial education and empowering women over 50.  Strategies for reinventing life after 50, including Sherry's concept of the “glide path.”  Insights on longevity planning and how it intersects with health, location, financial, and purpose planning.  The need for community and purpose in aging and retirement.  Balancing caregiving responsibilities with personal ambitions and business pursuits.  Building a supportive community for women navigating midlife transitions. Useful Links:  Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/  Sherry Finkel Murphy on LinkedIn: https://www.linkedin.com/in/sherryfinkelmurphy  Madrina Molly: https://www.madrinamolly.com/  Tandem Growth Financial Advisors: https://www.tandemgrowth.com/ 

In this episode of the Money & Meaning Show, host Jeff Bernier welcomes Apollo Lupescu, Vice President of Dimensional Fund Advisors. Apollo, known as the “Secretary of Explaining Stuff,” discusses how investors can make sense of financial markets during election years. He shares his insights on investment philosophies, the impact of political events on markets, and strategies for maintaining focus amidst noise. Tune in to learn how to make more informed investment decisions in politically charged times.  Topics Covered:  Introduction to Apollo Lupescu and his journey with Dimensional Fund Advisors  Overview of Dimensional's investment philosophy and core principles  How to think about market uncertainty during election years  The historical performance of markets during election years and what investors can learn  Debunking common myths about the impact of political policies on specific sectors  Evaluating the economic burden of national debt and its influence on investment strategies  The importance of focusing on data-driven decisions over emotional reactions  Final thoughts on separating politics from investment decisions  Useful Links:  Jeff Bernier on LinkedIn  Apollo on LinkedIn  Dimensional Fund Advisors  TandemGrowth Financial Advisors   

In this episode of Money & Meaning, host Jeff Bernier talks with James Grace, Director of Wealth Management at Silver Pine Capital and host of the Modern Financial Wellness podcast. They explore the evolving nature of the wealth management industry, emphasizing holistic financial planning that encompasses not just financial health but also personal fulfillment and purpose. James shares his journey through the financial services landscape and offers insights into how individuals can achieve financial wellness and well-being. Together, they discuss the importance of aligning actions and resources with personal values and goals. Topics covered: Introduction to James Grace and his role at Silver Pine Capital. Evolution of the wealth management industry toward holistic planning. Differences between financial wellness and financial well-being. James's career path from biotech sales to wealth management. The role of behavioral finance and client discovery in financial planning. The significance of aligning financial strategies with personal values. The importance of ongoing financial advice and support. Business models in the financial advisory industry. Insights from the Modern Financial Wellness podcast. Useful Links: Jeff Bernier on LinkedIn James Grace on LinkedIn Silver Pine Capital Modern Financial Wellness Podcast TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier speaks with Gabrielle Welter, a retirement solutions manager at Finance of America. They explore the topic of reverse mortgages, dispelling common myths and misconceptions. Gabrielle explains how these financial tools can provide stability and peace of mind for retirees, addressing key challenges like healthcare costs and market volatility. The discussion delves into the specifics of Home Equity Conversion Mortgages (HECMs), including their benefits, costs, and strategic uses in retirement planning. Topics Covered: Introduction to reverse mortgages and common misconceptions Gabrielle Welter's background and career journey The evolution and safety measures of reverse mortgages Strategic uses of HECMs in retirement planning The financial and psychological benefits of reverse mortgages Differences between HECMs and traditional mortgages Suitability and scenarios for using reverse mortgages Costs and insurance protection associated with HECMs Resources for further information on reverse mortgages Useful Links: Jeff Bernier on LinkedIn Gabrielle Welter on LinkedIn Finance of America TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier interviews Larry Swedroe, a renowned author and expert in evidence-based investing. They discuss Larry's journey and contributions to the financial industry, his approach to investment strategies, and the importance of diversifying portfolios. Larry shares insights on financial planning, the role of fixed income, and the benefits of alternative investments. This episode offers valuable advice for retirees and those seeking a robust investment strategy. Topics Covered Larry Swedroe's career and contributions to financial education Importance of evidence-based investing Historical performance of various asset classes Role of fixed income in portfolios Benefits and risks of alternative investments Challenges retirees face in financial planning Behavioral aspects of investing Diversification and its impact on portfolio performance Useful Links: Larry Swedroe on LinkedIn Jeff Bernier on LinkedIn TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier interviews Paul Ollinger, a former Facebook employee turned stand-up comedian and podcast host of Crazy Money. They discuss Paul's journey from the corporate world to comedy, exploring the themes of finding purpose and meaning beyond financial success. The episode offers valuable insights for mid-to-late career executives planning their next steps and navigating life's transitions. Topics covered: Transitioning from a corporate career to pursuing personal passions Challenges and realizations in leaving a high-stress job for stand-up comedy Impact of Facebook's rapid growth on Paul's career decisions Finding purpose and fulfillment beyond financial success Emotional and psychological challenges of retirement Advice for planning life after a corporate career Dangers of constant comparison in affluent communities Importance of meditation, presence, and personal growth Useful Links: Jeff Bernier on LinkedIn Paul Ollinger on LinkedIn Crazy Money Podcast Tandem Growth Financial Advisors

Join Host Jeff Bernier and Guest Ryan Frederick, founder of the Here movement, as they delve into the importance of place planning and healthy longevity. From personal journeys to proactive wealth management, this episode offers insights into living a fulfilling second half of life. Here is a movement to reshape how we live by helping people better understand the importance of place and by creating tools and frameworks for individuals to make more informed decisions about where to call home.  According to Ryan, Where You Live Matters. Where you live is much more than a physical place. It is one of the most important decisions you make. It shapes your purpose, relationships, health, financial wellbeing and more. Topics Covered: Introduction to holistic wealth management Ryan's journey from Silicon Valley to thought leader in healthy longevity Aligning spirituality and purpose in life Balancing present enjoyment with future preparation The impact of place on well-being and aging Recommendations for a balanced approach to planning Ryan's book, "Right Place, Right Time," and resources on here.life The evolving role of place planning in wealth management Are you in the right place for a long, health and financially secure life? Take Ryan's free assessment. Ryan's book: Right Place, Right Time: The Ultimate Guide to Choosing a Home for the Second Half of Life Interested in learning more about holistic wealth management? Check out TandemGrowth Financial Advisors.

In this enlightening episode of The Money & Meaning Show, host Jeff Bernier teams up with Dr. Jordan Hutchison, a leading figure in wealth management and psychology, to explore the concept of flow in financial advising. Dr. Hutchison, who serves as Vice President of Technology and Operations at RFG Advisory and is an adjunct professor for Kaplan's College for Financial Planning, shares how integrating behavioral finance and positive psychology can amplify personal fulfillment through financial clarity. What is "Flow"? What benefits can it provide for advisors and clients? Dr. Hutchison explains the concept of flow as a state of deep absorption in activities that are intrinsically motivating and enjoyable. Examples from various fields such as music, sports, and crafts like knitting demonstrate how flow can enhance productivity and satisfaction across different activities. Dr. Hutchison describes how "flow" can lead to an increase in productivity, creativity, and well-being. What is Technology's Role in Financial Advising? Will AI replace human advisors? Dr. Hutchison discusses integrating technology to optimize financial advisors' work environments, enabling them to spend more time on meaningful client interactions. He emphasizes the importance of the human element in financial advising, asserting the irreplaceable nature of personal connections despite advances in AI and automation. How Can Incorporating Behavioral Science into Designing Tech Solutions Improve the Experience? The application of behavioral science principles in designing technology solutions to create environments that foster productivity and satisfaction is highlighted.

Host Jeff Bernier and guest Rachael Levine, partner at Peltoma Capital Partners and creator of "Tripping Millennial," delve into the enriching power of experiences over material wealth. In this episode, you'll discover: Rachel's journey from seeking financial stability to embracing a life filled with travel and personal growth

Host Jeff Bernier welcomes guests Doug and Heather Boneparth to this episode! Doug and Heather delve into the key elements of fostering a healthy financial relationship between partners:

Join host Jeff Bernier, President of TandemGrowth Financial Advisors, and guest Ben Felix, Portfolio Manager and Head of Research at PWL Capital, for an enlightening episode of The Money & Meaning Show. Ben Felix shares insights from renowned experts in academia and the financial industry, shedding light on the consensus that owning the market portfolio through low-cost index funds is an excellent starting point for most investors. The conversation also explores the nuances of differentiating from the market—a point of contention among experts. Furthermore, they discuss Professor Scott Cederberg whose research focuses on the long-horizon performance of a range of asset classes and investment types and what the implications may be for retail investors, challenging conventional wisdom that stocks always outperform in the long run and advocating for global diversification. Ben Felix shares insights from interviews with retirement experts, highlighting the importance of embracing uncertainty as investors. Jeff and Ben highlight the role of financial advisors in helping clients navigate uncertainty, creating portfolios aligned with their goals, and providing reassurance during market downturns. The discussion underscores that the art of financial planning and advisory services and how it complements the scientific analysis of asset allocation, as clients' trust and the ability to stick with a chosen strategy are crucial factors in long-term success.   #Investing #EvidenceBasedInvesting #LongTermInvesting

In this special year-end episode of The Money & Meaning Show, host Jeff Bernier delves into the theme of positivity and optimism. Despite the challenges and negativity that often dominate the headlines and social media, Jeff presents a data-driven perspective on the progress humanity has made in various aspects of life. Drawing from historical and contemporary data, he shares insights on economic growth, poverty reduction, increased life expectancy, and more. Jeff encourages listeners to adopt a rational optimism mindset and reflects on how focusing on the positive can inspire personal growth and a sense of purpose. This episode serves as a refreshing reminder to appreciate the progress we've made and look forward to the opportunities that lie ahead in 2024.

Join host Jeff Bernier and special guest Wealth Advisor Mona Fahmy as they dive into the world of year-end financial planning and what it may entail at different life stages. Whether you're still advancing your career and focused on building wealth or navigating retirement, this episode is packed with insights regarding items you might consider for an end of year financial checklist. Learn more about items to review at year end related to open enrollment, tax efficiency, healthcare, charitable giving, cash flow, portfolio management, estate planning, and more!

Host Jeff Bernier welcomes special guest Matt Reiner to explore a wide range of topics that are at the forefront of the financial advisory world: The curse of knowledge: Learn why it's crucial for leaders and growing entrepreneurs to balance their experience with a willingness to adapt and allow new ideas to flourish within their organizations. Unique challenges of family businesses: Matt shares his personal experiences and lessons learned from working in a family business.  Finding a financial advisor: Learn how to trust your instincts and build a relationship that's based on trust, comfort, and authenticity. The authentic culture of a firm will ooze from its employees. Are financial advisors at risk of being replaced by AI? Jeff and Matt discuss how AI is transforming the industry and why the human touch remains invaluable. They explore the evolving value proposition of financial advisors and how AI can ultimately benefit clients. Creating space for creativity: Being purposeful with time and allowing oneself to become bored can be helpful for fostering creativity. Matt encourages maintaining a constant level of curiosity and looking beyond one's immediate field of expertise to gain new perspectives and ideas. Matt Reiner is a CFA® Charterholder, CERTIFIED FINANCIAL PLANNER™, and partner at Capital Investment Advisors, a RIA in Atlanta, Georgia. Additionally, Matt is the managing partner of Wela Strategies, a RIA that deals with the investment needs of the mass affluent.   Jeff Bernier is a CERTIFIED FINANCIAL PLANNER™, Certified Fund Specialist, Chartered Financial Consultant, and President of TandemGrowth Financial Advisors, LLC a RIA in Alpharetta, GA. He has been providing personalized financial advice to individuals and families since 1986. Jeff is the author of The Money & Meaning Journey: A guide to clarity, financial confidence, and joy.

Host Jeff Bernier, CFP®, ChFC, CFS welcomes guest Wes Crill, Senior Investment Director and Vice President, Dimensional Fund Advisors, to The Money & Meaning Show podcast! In this episode, Wes and Jeff dive deep into the world of investments! They cover a wide range of topics, including:

In today's episode, President and Wealth Advisor Jeff Bernier, CFP®, ChFC, CFS delves into the world of investing and explores how a well-defined investment philosophy can be your guiding light through market turmoil and triumphs.

In today's episode, host Jeff Bernier, CFP®, ChFC, CFS welcomes special guest Bruce Johnsen, a former US Navy line officer, Vietnam veteran, and current management consultant to share his inspiring journey from the Navy to consultancy. Bruce reflects on his early days in the Navy and struggles he faced when retiring at the early age of 45. Bruce shares some interesting stories from many years of international work and goes on to offer the life lessons he has learned so far at 85 years young. Jeff and Bruce delve into an insightful discussion on Mitch Anthony's concept "work" and how the role and reason for work evolves through one's lifetime. 

Join host Jeff Bernier in a profound exploration alongside best-selling author Dr. Allen Hunt as they delve into the concept of living a life without regrets. Can it truly be accomplished? Drawing upon his moniker as the renowned "Fourth Quarter Guy" and a wealth of extensive research on aging, dying, and regrets, Dr. Hunt delves into the 8 common regrets that haunt the dying. From these findings, he unearths 5 fundamental keys that pave the way towards living and departing without regrets. No matter what quarter of life you are in, prepare to be inspired as they share invaluable insights on how you can incorporate these keys into your life and financial plan!

In the episode, host Jeff Bernier welcomes guest Cameron Passmore, CIM®, FMA, FCSI, Executive Chairman and Portfolio Manager at PWL Capital in Canada.   Cameron shares his firm's strong belief in evidence-based investing and why they believe so strongly in the philosophy. Jeff and Cameron discuss the importance of an advisor's role in going deep with clients who often aren't thinking broadly enough or deeply enough when it comes to formulating goals. The episode concludes with the topic of portfolio construction - why it's crucial to know your definition of risk, the importance of a plan and sticking with it, and what the industry loves to sell you but Cameron believes isn't needed.    Check out PWL's white paper on non-financial considerations they've deemed worthy of consideration in financial decisions ✨ Finding and Funding a Good Life  

Navigating Social Security can be tricky and confusing. That's why we invited special guest Alicia Lipscomb to The Money & Meaning Show to share her expertise on maximizing Social Security benefits.  Alicia has been with the Social Security Administrator for over 22 years, and she will help you understand the ins-and-outs of Social Security so that you can make sure you are getting the most out of your benefits. In this podcast, she'll go over strategies to maximize payments, tips for spousal benefits, and much more.   Tune in now for all these tips and more!

In today's episode, Jeff welcomes bestselling author and founder of Shaping Wealth Brian Portnoy, Ph.D., CFA to discuss the difference between being "rich" and being "wealthy". Brian is an expert at simplifying the complex world of money. In the episode, Brian touches on a concept from his book The Geometry of Wealth: How to shape a life of money and meaning, that the true meaning of wealth is "funded contentment", the ability to underwrite a meaningful life. As humans, we can get stuck on the hedonic treadmill when no matter what we pursue in life, even when we achieve our goals, we are always left wanting the next thing. Why won't money and stuff alone make you happy? Brian lays out a 3-step iterative process that everyone can follow to help align or calibrate the life you want to live with your balance sheet and portfolio.

Are you in the middle or late stages of your career and struggling with "what's next"?   In today's episode, host Jeff Bernier, CFP®, ChFC, CFS welcomes special guest Dick Gygi. Dick has an impressive resume having served as a President of a number of consumer products companies for over 40 years, most recently as the President of PlusMark, a subsidiary of American Greetings. But, what's more impressive is all that he has been able to accomplish since retiring in 2001.    In the episode, Dick shares life stories that have greatly impacted who he is and led him to create significance in his second half. Dick served as a Master Coach with the Halftime Institute and continues to advise entrepreneurs through FUEL for Good, LLC. He shares some of the advice he gives when coaching mid to late career professionals on how to create meaning in retirement.   Interested in learning more on this topic? Check out Jeff Bernier's latest release which looks into both the head and heart decisions involved in transitioning to your second act: jeffbernierauthor.com.   Important disclosures: bit.ly/3MbScI5

In 2022, during the period between October 15 and December 7, Medicare open enrollment, also known as the annual election period, occurs. The many Medicare options and decisions can often cause confusion among those approaching 65. In today's episode, host Jeff Bernier welcomes Chase Carey, concierge broker with Carey Benefits. Jeff and Chase discuss many of the common questions around Medicare enrollment and coverage. Listen in and check out Chase's free download Busy Executive Guide to Medicare - 2022 which summarizes some of the key points and benefits of Medicare! If you have not already done so, please check out Jeff's new book! The Money & Meaning Journey book   Important Disclosures: bit.ly/3MbScI5 bit.ly/3eB9iCS

Jeff Bernier, CFP®, ChFC, CFS welcomes BIS Benefits, a Georgia company serving businesses for over 24 years to help develop benefit plans, President Ray Bachman and Account Manager John Schmidt. Ray and John share what you should think about as you choose options and choose how to fund them during open enrollment. In addition, they talk about costly mistakes they've seen made and how you can prevent them (reviewing beneficiary designations, long-term disability coverage for high-earners, making sure your doctors are in network). 

In today's episode, host Jeff Bernier, CFP®, ChFC, CFS is joined by Carolyn McClanahan, M.D., CFP® to discuss a sometimes difficult topic: preparing financially, emotionally, and physically for aging.   Carolyn's unique background offers her a different perspective. Carolyn began her career as a physician but later made a career change when she and her husband were unable to find a financial planner to provide them the advice and guidance needed to create a great life. Carolyn and Jeff dive into the big four decisions that need to be made in preparation for aging. The cost of long-term care and insurance, healthcare, and housing can be quite expensive but Carolyn shares some examples of how avoiding these decisions could be even costlier. 

In today's episode, Jeff discusses a potpourri of topics related to bonds and the current market environment: the role of bonds in portfolios possibility of higher correlations between stocks and bonds shares views on a currently popular question:  Is the 60/40 portfolio dead?  With so many articles out there about these topics, Jeff tries to simplify and summarize for listeners and provides his takeaways.

Host Jeff Bernier, CFP®, ChFC, CFS welcomes guest Steven Ryder, President and Founder of True North Networks, LLC, a firm providing IT Support such as technical help-desk support, computer support, and consulting to small and medium-sized businesses since 2002. In the episode, Steve simplifies some of the terms often heard in the news related to cyber security. He shares specific tips and tricks he recommends and uses himself to better protect yourself and your technology among these rising cyber threats.

In today's episode, host Jeff Bernier, CFP®, ChFC, CFS focuses on providing perspective during these uneasy times of inflation, rising rates, and volatility. Over a lifetime of investing, it is his belief that investor behavior is the dominant determinant in the long-term success or failure of an investment strategy.   Jeff shares his thoughts and other academics' expertise in the episode to guide listeners in how to invest rationally and not emotionally by reiterating the importance of a financial plan. To learn more about TandemGrowth's investment philosophy, visit us here.

For parents and grandparents of children with a disability, planning for their needs can often be frustrating and overwhelming. On today's episode, Jeff welcomes special guests attorneys Heather Nadler and Laura Akins Smith from Nadler Biernath LLC Special Needs and Elder Law.   Under the umbrella of estate planning falls a specialty called special needs planning. Heather and Laura talk through some of the complexities of long-term planning for children who have special needs. They explain some benefits that may be available before the age of 18 as well as benefits like Social Security and Medicaid. Their firm encourages and helps families to develop a Life Care Plan - to put all that is in the caregiver's head onto paper. 

Some believe the feeling of financial confidence or the benefits of a financial planner can only apply to the later phases of life. In today's episode, Jeff welcomes Wealth Advisor Mona Fahmy, MBA, CFS, AIF® to the show. Mona discusses the process of engaging a financial planner, what to expect, and common financial struggles she sees. They touch on the many ways a financial advisor can help a person in all stages of life but specifically those in their 40s who are feeling strained in balancing a successful career, a growing family, and financial goals. Jeff describes the metamorphosis he often sees of a client on their journey once they have a plan and understand their choices to a sense of freedom.

Join Jeff Bernier as he welcomes special guest, Chief Investment Officer of Avantis Investors®, Eduardo Repetto, Ph.D. to the show!  As Chief Investment Officer, Eduardo is responsible for directing the research, design and implementation of Avantis Investors® investment strategies, providing oversight of the investment team and the firm's marketing initiatives, and interacting with clients. In today's episode, Jeff and Eduardo discuss the evolution of investment management including some limitations of the great innovation called indexing as well as the outdated definition many have of the term "value." 

When it comes to estate planning, many feel overwhelmed or wonder if they need a plan. In this month's episode, Jeff welcomes Estate Planning Attorney Tony Turner to summarize the three to four legal documents everyone should have in place. They discuss why each of these documents is so important as well as give suggestions for how you can reduce your taxable estate during your life. Tony shares the common mistakes he sees people make when it comes to estate planning and recent changes to the law that may impact your plan.

For pilots, the pre-flight checklist is 100% mandatory. To be sure everything is in working order before takeoff, pilot and co-pilot work through a checklist verifying each step has been completed. From a financial perspective, a detailed pre-flight checklist is just as important. Listen in as Jeff details 5 key items you should check and crosscheck before takeoff on December 31! To view in video format with visual exhibits: bit.ly/3oyf22I

“Humans are wired to act; markets tend to reward inaction.” ― Daniel Crosby, The Behavioral Investor   On today's episode of Money & Meaning, psychologist, behavioral finance expert, and New York Times best-selling author Dr. Daniel Crosby joins Jeff again to discuss the four consistent types of behavioral risk (ego, emotion, conservatism, and attention) and how they impact investment decision-making. He points to goals-based investing as one way to bring about positive behavior. Listen in to Jeff and Daniel describe additional techniques you can use to become a more rational investor!

"The important thing about an investment philosophy is that you have one you can stick with." David Booth, Co-Founder, Dimensional Fund Advisors   What is an investment philosophy and why does it matter? In this month's episode, Jeff tackles the fundamentals of a solid investment philosophy: faith in the capital markets, patience, and a disciplined approach. He shares practical considerations to develop your own investing process using the 6 pillars of TandemGrowth's investment philosophy. Click here for the 6 pillars of the investment journey to financial freedom.

It has been said "if you do what you love, you'll never work a day in your life." In this month's episode, Jeff discusses how this advice is not always true - how passion can become a double-edged sword. As he works with clients to uncover what matters most to them, it's important to recognize if passion has led to burnout. Are you feeling the signs of burnout? Listen in to the episode to find out why certain sectors, more specifically purpose-driven work, put employees at increased risk of burnout, how to recognize it, and what you can do to address it.

Join Jeff he as welcomes back special guest Jake DeKinder, CFA, Head of Client Communication with Dimensional Fund Advisors. They provide a primer on the concept of "evidence-based investing" and discuss how Dimensional evolves and constantly tests its own assumptions as many wonder "is the world different now?". What are Dimensional's views on potential tax increases, ETFs vs mutual funds, asset allocation, and implementation?

Is it time to panic about inflation? In this low yield, rising rate environment, should I even own bonds? As a long-term investor, should I invest in cryptocurrency? As we enter the halfway point of 2021, TandemGrowth recognizes three themes in recent investor questions: inflation, interest rates, and crypto. Join Jeff as he welcomes special guest Jake DeKinder, CFA, Head of Client Communication with Dimensional Fund Advisors. Jake touches on how they address these topics with their investors as well as how you can think about these topics as they relate to your portfolio.

Join Jeff as he welcomes special guest Kevin Korhorn, CFP®, ChFC, AIF®, owner of Korhorn Financial Group, Inc., to explain the some of the recent changes related to the tax code. How could these changes impact your financial plan? Kevin and Jeff will share specific techniques and strategies they suggest as financial planners to their clients. Kevin argues that now more than ever working with a holistic financial planner is crucial as it relates to understanding your personal financial circumstances, developing techniques and strategies around tax planning, and help executing them alongside your tax professional.  Listeners should not assume that this podcast serves as the receipt of, or a substitute for, personalized advice from TandemGrowth or from any other investment professional. Listeners should not use this podcast as the sole basis for any investment, financial planning, tax, estate planning, legal, or other decisions. Rather, a professional adviser should be consulted and/or independent due diligence should be conducted before implementing any options addressed in the podcast. TandemGrowth is neither a law firm nor an accounting firm. Without limiting the foregoing, the tax and estate planning information provided is general in nature. It is provided for informational purposes only, and should not be construed as legal or tax advice. Recipients should consult an attorney or tax professional regarding their specific legal or tax situation.

How do I retire? When can I retire? What do I want to do in retirement? Could lower expected returns or a potential bear market impact my ability to retire? Could I outlive my money? If these are questions you've recently been asking yourself, you may just be our "hero". In this month's episode, Jeff takes us on a journey of a hero, a mid- to late-career executive, using the universal elements of storytelling from Joseph Campbell and Donald Miller. Will our hero find a guide to develop a plan for his or her problem? Listen in to find out!  

Like the Tin Man in the Wizard of Oz, have you lost your heart? Are you struggling to find meaning in your career or retirement? Listen in as Jeff welcomes special guest Mark Danzey with Wisepath Mediation and Coaching. They discuss how declared values and defined goals help create accountability leading to meaning and purpose in life. These answers are within us but often times take a trusted person, coach, or advisor asking the right questions and help discovering, "what's possible?". Learn how you can start right now to create clarity around your passion and purpose so you don't suffer from a lack of direction and missed opportunities!