Podcasts about certified financial planner cfp

The Los Angeles Unified School District created its own 457(b) plan, and it's excellent. It has won not one, but two awards. We speak with two members of the LAUSD Retirement Investment Advisory Committee who were and are instrumental to its success.   LAUSD 457(b) Deferred Compensation Plan Fund Lineup Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Why do we keep making money decisions that go against our best interests? In this episode, I'm sitting down with Hanna Horvath, Certified Financial Planner (CFP®) and financial psychology expert, to unpack why our brains are literally wired to sabotage our financial goals—and what we can do to change that. Hanna shares powerful insights from her work as the creator of “Your Brain on Money,” explaining how cognitive biases like loss aversion and decision fatigue impact everything from investing to impulse spending. We also dive into why more money doesn't automatically equal more peace, how to align your financial habits with your core values, and practical strategies to work with your brain rather than against it. Plus, Hanna reveals the simple mindset shifts that can help you spend without guilt, stop financial perfectionism in its tracks, and finally break free from those unconscious money scripts that are keeping you stuck. You'll hear: Why our brains are wired to make terrible financial decisions The connection between money anxiety and identity How to set up financial guardrails that align with your values The role of decision fatigue in impulsive spending How to separate self-worth from net worth You'll walk away knowing: Our brains are hardwired to make poor money choices. Loss aversion can lead to irrational financial behaviors. Understanding the emotional aspects of money is crucial. Automating financial decisions can reduce decision fatigue. Creating guardrails helps in making better financial choices. The digital age has made spending frictionless and impulsive. Investing can feel less tangible and more emotional than spending. Self-compassion is key in financial decision-making. Recognizing the disconnect between financial reality and emotions is important. Labeling oneself as 'bad with money' can be counterproductive. Practice self-compassion in financial behavior. Financial habits are a journey, not a destination. Social media heightens financial anxiety. Follow Hanna for more financial psychology insights. https://yourbrainonmoney.substack.com/ Website: https://www.hannahorvath.com/ Instagram: https://www.instagram.com/yourbrain_onmoney/ Youtube: https://www.youtube.com/@yourbrainonmoney LinkedIn: https://www.linkedin.com/in/hanna-riley-horvath/ Tiktok: https://www.tiktok.com/@yourbrainonmoney Don't forget to follow us @everyonestalkinmoney for more money mindset content. Learn more about your ad choices. Visit megaphone.fm/adchoices

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Who better to make sense of the tariff situation than one of our favorite guests, Cullen Roche, economist, and founder and chief investment officer of the Discipline Funds, a low-fee advisory firm.    An Autopsy of American Exceptionalism Three Things - China Deal Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

How do you effectively manage finances for a start-up? In this episode, Art shares nine essential tips for anyone looking to launch a business. He also answers listener questions about becoming a Certified Financial Planner (CFP) and using a home equity line of credit (HELOC). Don't miss it!Resources:8 Money MilestonesAsk a Money Question!

Scott finds out just how much commission Equitable salespeople get for selling EQUI-VEST products. No wonder they fight reform so hard. No wonder they love to initiate exchanges.  The Price of Enrollment Podcast on SIOs Plan Fee Disclosure Form for University of Jamestown Equitable Plan Fee Disclosure Brochure Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In this week's episode of "Maximize Business Value," Dave Casey introduces Jeff Sandene, President of Sandene Strategies LLC. Tune in weekly to hear more from Mastery Partners and to receive relevant key content on your journey to maximizing your business value! #maximizebusinessvalue #maximizebusinessvalue #MBVPodcast #PodcastForEntrepreneursLearn More about Dave CaseyDave Casey is a partner at Mastery Partners, working with owners to maximize the value locked up in their businesses. Using his background and experience, he utilizes the four-part process Mastery has perfected to analyze, assess, map out, and execute plans to ensure the business owner realizes the very top valuation for their enterprise. Casey is an engaged business leader with an eye for business transformation, particularly in the verticals of technology, cyber security and IT managed services.  Dave previously founded and grew an IT managed services company, brought it through a successful exit, and today helps companies develop long range plans with an eye to sound security and operational processes. Dave serves on the board of Business Navigators, a business servant leadership non-profit in the DFW area. He is also a founder and board member of Biz Owners Ed, a 501 (c)(3) enabling serious entrepreneurs to dramatically scale and improve their businesses.Learn More about Jeff Sandene Since 1996, Jeff Sandene has built lasting relationships with executives, business owners, and their families by listening attentively to their personal, business, and financial goals. Jeff is known for Implementing strategies objectively, with integrity and with diligence. He strives to help his clients grow and preserve their wealth by creating comprehensive financial plans and professional investment portfolios.Sandene's core philosophies for planning and investing are heavily influenced by evidence-based investing and behavioral economics.  Jeff makes decision based on facts, not emotions or hype, with an intense focus on risk management. Jeff believes that secure financial future requires discipline, hard work, and a long-term perspective.  He has applied those attributes towards completing over 20 marathons, including four Boston Marathons. In addition to achieving the Certified Financial Planner® (CFP®) designation, Jeff also earned an MBA in Finance from The University of Texas at DaMastery Partners Elevating Businesses to Achieve The Business Owner's Dream Exit The unfortunate reality is that for every business that comes on the market (for whatever reason), only 17% of them achieve a successful exit. You read that right. 83% of attempted business transitions never reach the closing table. Mastery Partners is on a mission to change that. We ELEVATE businesses to achieve maximum value and reach that dream exit. Our objectives are simple - understand where the business is today, identify opportunities for dramatic improvement, and offer solutions to enhance the business, making it more marketable and valuable. And that all starts with understanding the business owner's definition of his or her dream exit. Mastery has developed a 4-Step Process to help business owners achieve their dreams. STEP 1: Transition Readiness Assessment STEP 2: Roadmap for Value Acceleration STEP 3: Relentless Execution STEP 4: Decision: Now that desired results are achieved, the business is ready for the next step in the journey! CONNECT WITH MASTERY PARTNERS TO LEARN MORELinkedInWebsite© 2025 Mastery Partners, LLC.

Who better than best-selling author Morgan Housel to help put April's market volatility in perspective? Well we couldn't get Morgan on the pod but we have the next best thing: Morgan Houselisms! Enjoy.  First 100 Days of Trump 2 Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Retired Los Angeles Unified School District teacher, principal and district administrator, Mary Ann Sullivan, is now officially a CFP®! Not only that, she is opening an advice-only, fee-only firm.  Note: Mary Ann meant to say that the number of experience hours needed for a CFP® is 4,000 for apprenticeship and 6,000 for standard pathway (not the 2,000 and 4,000 hours respectively that she mentioned in interview). 395 Financial Planning Retired Teacher Pays It Forward (Maggie Mason/Santa Barbara) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Join The MisFitNation with host Rich LaMonica as he welcomes Jeff Panik, a Certified Financial Planner (CFP®) and MSFS professional with nearly 25 years of experience in financial advising. Jeff shares his insights on wealth management, financial literacy, and smart investing strategies for individuals, families, and small businesses. A U.S. Army veteran, Jeff also discusses how his military service shaped his financial journey and why early financial education is crucial for success. Don't miss this deep dive into balancing living well today while planning for a secure future!

Ted Oakley, Managing Partner and Founder of Oxbow Advisors, joins Julia La Roche on episode 253 to discuss the economy and markets.Sponsor: This episode is brought to you by Monetary Metals. https://monetary-metals.com/julia In this episode, Ted discusses the concerning deterioration in economic indicators despite ongoing investor complacency, warning that earnings expectations are too optimistic while market multiples remain elevated. He shares his approach to maintaining significant liquidity (currently 55%) while selectively investing in value opportunities like consumer staples. Ted also explains his gold strategy, with bullion as a permanent currency hedge and miners as tradable assets. The conversation concludes with insights from his new book "Second Generation Wealth," where he emphasizes the importance of letting children experience financial independence and adversity before introducing them to family wealth.With more than forty years of experience in advising high-net-worth clients in the investment industry, Oakley implements the firm's proprietary investment strategies and the “Oxbow Principles” to provide a unique investment perspective. He is a frequent guest on FOX Business News, Bloomberg Radio, KITCO News, Cheddar TV, Yahoo Finance, and many more. Oakley is a Chartered Financial Analyst (CFA) and a Certified Financial Planner (CFP). He is a member of the Austin Society of Financial Analysts. He is also a Partner of Herndon Plant Oakley Ltd., an investment company. He is a Board Member of Texas State Aquarium, American Bank, and American Bank Holding Company. Mr. Oakley is a United States Army Veteran. Oakley began his career in Dallas, Texas, over 35 years ago. He is the author of nine books: You Sold Your Company, $20 Million and Broke, Rich Kids Broke Kids – The Failure of Traditional Estate Planning, Crazy Time – Surviving the First 12 Months after Selling Your Company, Wall Street Lies, Danger Time, My Story, The Psychology of Staying Rich, and Your Money Mentality. Oakley's primary philanthropic interest is helping children. He is Chairman Emeritus and Founder of the Foster Angels of South Texas, the largest foster child foundation in South Texas, as well as Chairman Emeritus and Founder of Austin, Texas-based Foster Angels of Central Texas. Also, President and Founder of Advocates for Foster Children Foundation.Links:Oxbow Advisors: https://oxbowadvisors.com/YouTube: https://www.youtube.com/@OxbowAdvisorsX: https://x.com/Oxbow_AdvisorsBook: https://www.amazon.com/Second-Generation-Wealth-What-Want/dp/1966629168Timestamps: 0:00 Introduction and welcome0:32 Big picture macro view - deterioration and complacency 2:05 Explaining market complacency despite bearish sentiment 3:21 Liquidity and portfolio positioning 4:45 Appropriate liquidity levels by age group 7:42 Boomers' over-allocation to stocks 8:47 Value Line Investment Survey as a market indicator 10:52 Scaling into investments during market downturns 11:55 Fully invested vs. current 55% liquid strategy 14:09 Market risks: shrinking corporate margins and multiples 16:05 Market decline without recession possibility 17:05 Recent market movement - another chance for liquidity 18:35 Q1 GDP insights and market end-of-month action 19:48 Preparing for potential market scenarios 21:26 Retail buyers and leverage in current market recovery 22:35 Current investment opportunities - consumer staples and value24:48 Gold strategy - bullion as currency hedge vs. miners as trades27:45 Gold's purchasing power preservation over time 30:10 Treasury strategy - staying under two years to maintain control31:36 US fiscal situation and future outlook 33:58 Second Generation Wealth - inheritance and teaching kids about money 36:17 Helping children develop self-esteem and independence 39:16 The importance of adversity and work ethic for children 41:37 Setting an example - treating everyone equally 44:13 Parting thoughts

My guest today is Minoti Rajput. Minoti Rajput began her career in personal wealth planning soon after arriving from India in 1980. She is a Certified Financial Planner (CFP), a Chartered Special Needs Consultant (ChSNC) with an MBA in finance. Minoti Rajput is an entrepreneur and is the founder of Secure Planning Strategies, a company she started more than three decades ago. As a pioneering woman in the Financial Planning industry, she is most passionate about empowering women in financial matters. She is also a nationally recognized special needs planner. Minoti is an educator, author, counselor, and sought-after speaker on various financial planning topics. She is a firm believer in giving back to the community through volunteering. She continues to serve on the advisory board of several organizations dedicated to helping the special needs population. In this episode we discuss financial planning, special needs, financial empowerment and financial literacy.Website - https://www.spsfinancial.com/team/minoti-h-rajput-cfp-chsncIG - https://www.instagram.com/minotirajputLinkedIn - https://www.linkedin.com/in/minotirajput/FB - https://www.facebook.com/minoti.rajputIn this episode you will learn:1. The importance of financial planning for both parents and the children.2. Advice for preparing financially for the unexpected.3. Why it's so important to have emergency funds and legal documents in order and prepared. “I came to the United States in 1980 with an education. I had MBA in finance and banking experience where I did financial planning for business owners while I was employed at the bank in India. But when I arrived in the United States, the banks were not offering financial planning to their clientele.” - 00:02:06“My education for women is how do you feel empowered at any given day? I want whether you are a homemaker and don't work outside your home or you're a financial contributor." 00:30:56“Live the life to the fullest. Every single day counts. Do not dwell constantly as much as you plan for the future. Live for the moment also.” 00:52:21

On a recent episode of the Trust the Plan Podcast, Jim Pilat, CFP® and Preston Gee, CFP® of Peak Wealth delved into a compelling case study featuring a couple in their mid-40s with three kids and a strong household income, now getting serious about their financial future. A Certified Financial Planner (CFP) flagged several red flags in their current approach — Jim and Preston unpack these concerns, offering their perspective on whether they agree with the CFP's assessment and exploring how proactive planning could address these issues before they become costly missteps. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com

In episode two of our new pod series: 403(b) & 457(b) Basics Scott and Dan look at asset allocation. They describe what it is, why it's important and they go over several strategies for allocating a 403(b) and a 457(b).  Importance of Asset Allocation by Barb O'Neill The Price of Peace: Why diversification is difficult, but necessary by Nick Maggiulli Risk Tolerance Assessment Cullen Roche Discipline Funds Basics of the 403(b) & 457(b): How to start a 403(b) (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Are Your Investments Aligned with Your Faith? Many nonprofit organizations accumulate assets for long-term investments, such as endowments and portfolio funds. While these mission-driven organizations would never openly support businesses profiting from pornography, gambling, abortion pills, or other activities contrary to Christian values, they may unknowingly be investing in these very industries. By deploying investment capital into broad index mutual funds or similar vehicles, ministries and nonprofits may see healthy returns. But should they be profiting from businesses that operate against their faith principles? If your nonprofit invests without considering the activities of the companies it supports, it may be time to reconsider. Christian organizations can invest in ways that honor their values while still fulfilling fiduciary duties to maximize long-term, risk-adjusted returns. Faith-based investing allows ministries to express their mission not only in day-to-day operations but also in how they steward financial resources. Meet Our Guest: Douglas R. MacGray. Doug is an experienced financial planner and passionate advocate for faith Driven investing. His journey began as a missionary in Micronesia, where he taught in a Christian boys' boarding school and supported local church outreach. As an attorney, Doug practiced law in Delaware for over a decade, specializing in estate planning and advising nonprofit organizations. He later transitioned into financial planning, obtaining his Certified Financial Planner (CFP) designation and acquiring a financial planning company. Today, he is the sole owner of Stonecrop Wealth Advisors, a fee-only Registered Investment Advisor. Doug works with nearly 200 families and individuals, with about 20% of his business dedicated to nonprofit ministries, including Christian higher education institutions, churches, and other faith-based organizations. Faith, Service and Health Board member at Gordon College, a Christian institution in Massachusetts Former board member at a Christian seminary and K-12 school Volunteer supporter of Edify, an international nonprofit supporting Christian K-12 schools in Latin America and Africa Has traveled to Uganda, the Dominican Republic, and Panama to support faith-based education initiatives Training to run two marathons in 2025 Join host Mark Griffin as he navigates the following key discussion points with his guest Doug MacGray. Hidden Risks in Traditional Investments Many nonprofits unknowingly invest in companies engaging in activities that contradict their faith. Understanding how mutual funds allocate capital is crucial for aligning investments with Christian values. Faith-Based Investing: A Responsible Alternative Nonprofits can structure their investment strategies to uphold Christian principles. Strategies exist to ensure strong financial returns while honoring faith commitments. Practical Steps to Align Investments with Mission How organizations can conduct an investment audit. Resources and advisors available to help nonprofits transition to faith-aligned investing. Call to Action If you serve on the board of a nonprofit, work in Christian higher education, or manage a ministry's finances, now is the time to assess your organization's investment strategy. Faith-based investing is a powerful way to ensure that your financial resources reflect your values. Concerned about your organization's as-is HR programs? The benefits of having a trusted partner guide you and your team to excellence are invaluable. Contact us today. You and your employees will be glad you did. Rise with us by implementing our high-performance remote human-resource programs to help find great people! E-mail us here. Mark A. Griffin is president and founder of IHN HR. Connect with him on LinkedIn and Twitter.

Donald Bielen is the Managing Director of Capital Eleven Advisors, an investment firm specializing in private equity, early-stage venture capital, and real estate development. Donald has completed over 300 business transitions and exit plans for clients across the United States. Before joining Capital Eleven Advisors, he led the Business Transition Services team as Principal at Perkins and Co., was the Director of Business Advisory Services at the Rainier Group, Inc., and was an Operations Manager at a Fortune 100 company. He earned his bachelor's degree in Finance and Economics, followed by an MBA, and holds certifications as a Certified Financial Planner (CFP®) and Certified Merger & Acquisition Advisor (CM&AA). In this episode… Too many business owners wait until they're ready to exit before thinking about what it takes to transition out of their company successfully. But leaving a business isn't just about legal documents and financials — it's deeply personal, emotional, and strategic. How can leaders create a long-term plan that protects their legacy and maximizes business value? Donald Bielen, a seasoned expert in succession planning and business transitions, explains why planning for five to ten years is critical to a smooth exit. Donald shares actionable insights on grooming internal successors, aligning personal and professional goals, and avoiding common pitfalls — like undervaluing the emotional aspect of letting go. He also illustrates his points with real-world stories, including a failed deal involving a pet food company and a successful strategy for a multilocation treatment center. Tune in to this episode of the Smart Business Revolution Podcast as John Corcoran interviews Donald Bielen, Managing Director at Capital Eleven Advisors, about the strategies behind effective succession planning. Donald shares how to build a transferable business, assess readiness for transition, and avoid costly missteps. They explore emotional readiness, internal succession challenges, and aligning strategy with long-term value.

Nicole and Larry Dubill, two Buffalo, NY area educators, share passion for education, music, and 403(b) advocacy.  Cleveland Hill School District 403(b/457(b) Vendor List Hamburg Central School District 403(b)/457(b) Vendor List The Truth About So-Called "No Fee" Products Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Guest:Philip Palumbo, Founder, CEO and Chief Investment Officer, Plaumbo Wealth Management (AUM: approximately $650M)Website: https://palumbowm.com/Bio:Philip G. Palumbo is Founder, CEO and Chief Investment Officer of Palumbo Wealth Management. He is a contributor on CNBC, Bloomberg, Reuters, Schwab Network, and Cheddar News. His market insights have been quoted in such leading publications as The Wall Street Journal and Barron's. He has authored, Make Work Optional, a book dedicated to assisting individuals and families on how to properly plan and invest their money. He served as Senior Vice President and Senior Portfolio Manager at UBS before forming Palumbo Wealth Management, a full-service boutique wealth management firm. Over the past 20 years, Philip has held senior roles with several major financial institutions, and he has successfully assisted families and individuals navigate some of the most challenging market environments in recent history. The leadership Philip provided for his clients during these difficult markets has helped them achieve their most important financial goals as they prepare for retirement.Philip's UBS practice, the Palumbo Wealth Management Group, was a premiere Long Island-based wealth management team. He has lectured and taught several thousands of families and individuals throughout his career at a major university on subjects such as retirement and investment planning, tax, estate and trust planning, family governance and asset protection.Philip has long held a tremendous inner passion for delivering exceptional financial advice and guidance to his clients and always putting their interest first before anyone else, no matter what. He has always felt that the way financial institutions deliver wealth management can be greatly improved. For this reason, Philip registered Palumbo Wealth Management as a Registered Investment Advisor. His vision was to create an environment where the only focus was on what is best for their clients.Philip wants clients to know that the Palumbo Wealth Management serves as legal fiduciaries on every piece of advice it gives them, and the firm has unlimited access to the best in breed products, services and research that are available within the financial services industry. Palumbo Wealth Management isn't just focused on profits, but rather on delivering an incredible world class experience and service offerings that would make clients proud.As the firm's Chief Investment Officer, Philip has spent countless hours researching the changing economic environments and how various investment categories have performed over a 50-year time period. His findings from this research are the foundation to the investment models he utilizes to assist his clients in achieving their financial goals. Philip has 20 years of experience managing money over some of the most difficult and volatile market periods in history and he has used this experience and research to guide his clients effectively in achieving their financial goals.Philip feels we all get one chance at life. Putting your best self forward and doing what you feel is right based on your core values and beliefs systems, is the WHY behind forming Palumbo Wealth Management.Philip has earned the Certified Financial Planner (CFP®) designation. This designation is awarded to individuals who complete two years of specialized education, pass a comprehensive two-day examination, have required experience and meet ethical and continuing education requirements. Topics covered include retirement planning, insurance, employee-benefit planning, income planning, estate and trust planning, tax planning and investment strategies.Read the rest of his bio here:https://palumbowm.com/about/our-team/

This week, Ivy Slater, host of Her Success Story, chats with her guest, Stacy Francis. The two discuss Stacy's journey from launching a nonprofit at a young age to establishing a successful wealth management firm, the complexities of succession planning, and harnessing technology like AI to boost efficiency and client service. In this episode, we discuss: How Stacy embarked on her journey What sparked her mission and why it was so important to her Why succession planning is crucial What role technology plays in buisness How Stacy balanced her personal and professional life     Stacy Francis, CFP®, CDFA®, CES™ Stacy is the President and CEO of Francis Financial, a fee-only boutique wealth management, financial planning and divorce financial planning firm dedicated to providing ongoing comprehensive advice for successful individuals, couples, and women in transition such as divorce or widowhood. She is a Certified Financial Planner™ (CFP®), Certified Divorce Financial Analyst® (CDFA®), and Certified Estate and Trust Specialist (CES™) with over 20 years of experience in the financial industry. Stacy is also the founder of the non-profit, Savvy Ladies™, host of the Financially Ever After podcast, and the author of the white paper, Unveiling the Unspoken Truth: The Financial Challenges Women Face During and After Divorce and Financial Help for Widows - A Complete Resource Guide.   Social Media Handles: Instagram: @francisfinancialinc; Twitter: @FrancisFinance; Francis Financial's Facebook: https://www.facebook.com/FrancisFinancialInc/ Francis Financial's LinkedIn: https://www.linkedin.com/company/francisfinancialinc Stacy's Facebook: https://www.facebook.com/StacyFrancisFinancial/ Stacy's LinkedIn: https://www.linkedin.com/in/stacyfrancis/   Mailing Address: Francis Financial, Inc. 39 Broadway, Suite 1730 New York, NY 10006        

Teacher who sought to educate colleagues about the 403(b) gets threatening email from Equitable. We read and discuss correspondence. Read the letter The Truth about Structured Investing Options (SIOs) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Joining us in this episode of Living Off Rentals is Donald Pearson, a Wealth Management Advisor at Westpac Wealth Partners who holds an impressive list of certifications. Donald is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Retirement Income Certified Professional® (RICP®), and he helps individuals and business owners reach their financial goals as efficiently as possible. A graduate of the United States Naval Academy, Donald was commissioned as a Marine Corps officer and later served as a Financial Manager in the Marine Corps. Listen as he shares his full financial journey, the key areas you need to focus on to achieve financial freedom, and why good financial planning is an ongoing process. He also breaks down the four domains of financial planning and walks us through the “mathematical equation” of financial freedom. Enjoy the show! Key Takeaways: [00:00] Introducing Donald Pearson and his background [08:02] Helping clients become more diversified and well-rounded [12:59] The four domains of financial planning  [17:56] Living into someone's living balance sheet [24:17] Good financial planning and decision-making is an ongoing process [31:09] Where do successful people put their money? [44:54] Connect with Donald Pearson Guest Links: Email: donald.pearson@westpacwealth.com Show Links: Living Off Rentals YouTube Channel – youtube.com/c/LivingOffRentals  Living Off Rentals YouTube Podcast Channel - youtube.com/c/LivingOffRentalsPodcast  Living Off Rentals Facebook Group – facebook.com/groups/livingoffrentals  Living Off Rentals Website – https://www.livingoffrentals.com/  Living Off Rentals Instagram – instagram.com/livingoffrentals  Living Off Rentals TikTok – tiktok.com/@livingoffrentals   

What happens when a certified financial planner sells two homes to buy bitcoin? In this episode, we sit down with Jessy Gilger, Senior Advisor at Sound Advisory, to explore the radical shift happening inside the financial advisory industry. Jessy shares how he went from flipping houses to building multi-generational wealth on a bitcoin standard, and why more clients—and even advisors—are quietly making the leap. We cover how ETFs are changing incentives, how to navigate capital allocation between real estate and bitcoin, and the risks of high bitcoin exposure in retirement. Jessy explains why volatility planning matters, how to survive bitcoin drawdowns, and how to protect your family with proper inheritance planning. We also get into his take on the national bitcoin reserve and potential tax changes.SUPPORT THE PODCAST:→ Subscribe→ Leave a review→ Share the show with your friends and family→ Send us an email podcast@unchained.com→ Learn more about Unchained: https://unchained.com/?utm_source=youtube&utm_medium=video&utm_campaign=TBF-podcast-description→ Book a free call with a bitcoin expert: https://unchained.com/consultation?utm_source=youtube&utm_medium=video&utm_campaign=TBF-podcast-description→ Buy bitcoin in an IRA—sign up today and get your first year free: unchained.com/frontier→ If you can't talk about your bitcoin wealth with your financial advisor, it might be time to find a new advisor. Check out Sound Advisory at thesoundadvisory.com.TIMESTAMPS:00:00 - Intro01:18 - Why Jessy sold two houses for bitcoin02:35 - Jessy's thesis for bitcoin as internet-native money04:13 - How financial advisors react to buying bitcoin05:34 - Why ETFs changed the game for advisors07:26 - When to buy a house vs. buy more bitcoin09:17 - Using long-term mortgages as low-cost leverage12:03 - How Jessy thinks about portfolio allocation13:15 - What 90% bitcoin portfolios look like in real life15:09 - Why retirees need a bitcoin bear market survival plan20:01 - Bitcoin's volatility and the four-year cash barbell24:37 - Could the next 80% bitcoin drawdown be the last?27:06 - The return of austerity and why it matters for bitcoiners30:04 - Tax changes coming in 2025 and what to do now43:37 - When it's time to fire your financial advisorWHERE TO FOLLOW US:→ Unchained Twitter: https://twitter.com/unchainedcom→ Unchained Linkedin: https://www.linkedin.com/company/unchainedcom → Unchained Newsletter: https://unchained.com/newsletter → Joe Burnett's Twitter: https://twitter.com/IIICapital→ Jose Burgos (Director of Media Production) on Twitter: https://x.com/DeFBeD→ Jessy Gilger's Twitter: https://x.com/idahohodl

Erin Witte, Director of Consumer Protection for the Consumer Federation of America, discusses the work she does protecting consumers in the face of a very anti-consumer climate.  Erin Witte Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Colin White has been committed to transforming the financial services industry since 1992. A graduate of St. Mary's University with a Bachelor of Commerce in Accounting, Colin holds the designations of Chartered Professional Accountant®️️️ (CPA), Certified Financial Planner®️️️ (CFP®️️️), and Chartered Investment Manager®️️️ (CIM®️️️). Colin's entrepreneurial journey took off in 2014, and over the past decade, he and his co-founder have grown their business from a team of three with less than $50 million in assets under management to 45 employees and just under $1 billion in assets under management. As the co-founder of Verecan, along with Daniel LeBlanc, Colin has helped build a company designed to eliminate the conflicts of interest that are prevalent in the financial services industry. Although a newer firm, Verecan is rapidly gaining a reputation for its honesty, authenticity, and client-centric approach, setting a new standard for financial advice. Colin and the integrity-driven team at Verecan combine extensive credentials, experience, and perspective to help clients achieve their financial goals. Josh Sheluk, CFA, CFP®️️, CIM®️️, is the Chief Investment Officer at Verecan, where his approach to investment is grounded in a thoughtful understanding of the market's complexities. Believing in a strategy that values long-term growth and stability, Josh guides our investment philosophy with a focus on ethical practices and client interests first. His insights, drawn from a deep commitment to understanding financial trends, have found their way to discussions in notable media outlets as BNN, The Wall Street Journal, The Globe & Mail, Reuters, and the Financial Post. Through these platforms, Josh contributes to the broader dialogue. Josh's role in shaping Verecan's strategies is a testament to the collective effort of our team, aiming to align financial goals with principled, informed decisions. For those looking to understand the intricacies of investment and to explore strategies that align with their financial goals, connecting with Josh offers a gateway to informed, ethical investment decisions. Join Our Community of Canadian Entrepreneurs! Entrepreneurs are the driving force behind Canada's economy, and we're here to support them every step of the way. For exclusive insights, tips, and success stories from Canada's top business leaders, subscribe to our YouTube channel and follow us on Facebook, Instagram, LinkedIn, and Twitter. Want to stay ahead with the latest #entrepreneur podcasts, business strategies, and news? Don't miss out—subscribe to our bi-weekly newsletter for updates delivered straight to your inbox! Join thousands of Canadian entrepreneurs who rely on us for the resources they need to succeed.

Anonymous attendees dish on remarks made at a recent conference by leaders of lobbying group working to keep broken multi-vendor, sales agent-driven K-12 403(b) market in place.  NTSA Works Against Teachers Best InterestsAudio + Transcript of Brian Graff LAUSD Appearance Video of Brian Graff LAUSD Appearance NTSA Puts the Tax in the K-12 403(b) Vanguard Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

"His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.'” — Matthew 25:21Those are the words every believer longs to hear. That's why it's important to regularly reflect on how we're stewarding the resources God has entrusted to us. Today, Rachel McDonough joins us to share three key Scriptures and prayers to help guide us in faithful stewardship.Rachel McDonough is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and a regular Faith & Finance contributor.These passages reveal that what seems wise from a financial standpoint may sometimes be wasteful in God's eyes, and what appears to be wasteful may, in fact, be an act of deep wisdom. True stewardship isn't just about following formulas—it's about surrendering our hearts to God.1. The Woman Who Anointed Jesus: Extravagant WorshipOur first passage comes from a well-known story found in all four Gospels—the woman who anointed Jesus.Jesus was at a dinner party when a woman entered and broke a bottle of expensive perfume, pouring it over Him in an act of extravagant worship. The disciples were outraged, arguing that the perfume should have been sold and the money given to the poor. Yet, Jesus saw it differently. He recognized her act as a prophetic preparation for His burial, honoring her sacrifice.From a financial perspective, this act seemed irresponsible—her life savings were gone instantly. But in God's economy, radical, sold-out worship is never wasted. When Jesus becomes our ultimate treasure, we position ourselves to live in step with His divine purposes.A Prayer for Worshipful Stewardship"God, give us eyes to see that the true treasure is You, not wealth. Help us to pour out extravagant worship at the feet of Jesus, holding nothing back. Teach us to move beyond routine generosity and embrace radical worship. Align our hearts with the rhythms of heaven so that we are available for Your purposes in every kairos moment. Amen."2. The Prodigal Son's Father: A Heart for People, Not Just MoneyWe often focus on the prodigal son in Jesus' parable, but what if we shift our attention to the father?When the younger son demanded his inheritance and squandered it, the father allowed him to make a major financial mistake. From a worldly perspective, this decision was both unwise and unfair—especially to the older, responsible son. But the father's actions reflected God's heart, showing that relationships matter more than wealth.As stewards, we often want to control how money is used, especially when passing wealth to the next generation. Yet, God's example shows that our trust should be in Him, not in financial security. Just as Jesus entrusted the moneybag to Judas despite knowing his character, we, too, must release control and trust God to work in our children's lives.A Prayer for Generational Stewardship"Father God, help us see that real value is found in people, not money. Teach us to cherish and train up the next generation, knowing that they can do far more for Your Kingdom than our wealth ever could. Free us from the fear that leads to control, and fill us with faith that You are the true provider. May Your blessing extend for a thousand generations, shaping hearts that desire to serve You. Amen."3. The Rich Fool: Avoiding Self-Reliance in WealthJesus' parable of the rich fool (Luke 12) warns against the dangers of hoarding wealth without consulting God. When a farmer received an abundant harvest, he decided to build bigger barns to store it all rather than seek God's guidance. He assumed financial security equated to a long, worry-free life. But God called him a fool because his soul would be required of him that very night.When we experience financial blessings, our first instinct is often to protect and preserve. But stewardship isn't about accumulation or self-reliance—it's about trusting God and using our resources for His Kingdom. Wealth must never replace God as our source of security.A Prayer for Humble Stewardship"God, help us to see that the purpose of stewardship is not self-preservation or accumulation. You alone are our provider. Protect our hearts from the deceitfulness of wealth, which falsely promises security and significance. When money tempts us to rely on ourselves—teach us to unclench our fists and give freely. May our generosity reflect our trust in You, and may we cherish what You cherish—loving relationships and eternal Kingdom impact. Amen."True Stewardship Reflects God's HeartStewardship is not just about wise money management—it's about reflecting God's character in the way we handle wealth. When our abundance is found in Christ, generosity flows naturally from a grateful heart.As Proverbs 21:5 reminds us:"The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty."Let us be diligent in our stewardship but also faithful in seeking God's purpose. May our financial decisions flow from a heart that treasures God above all else.For more insights on biblical stewardship from Rachel McDonough, visit WealthSq.com.On Today's Program, Rob Answers Listener Questions:I received $17,000 unexpectedly and wanted to put it in CDs, but my bank no longer offers those high rates. I saw someone on TV suggest looking for high-interest savings accounts, but I'm unsure about using online banks. What would you advise?I'm 65 and taking $2,100 per month from a Jackson fund. I'm putting $900 back into a growth fund, but I'm using the extra $1,100 to help my family. Should I put all $2,100 back into the growth fund instead of enjoying it now, or would that take away from my kids' inheritance later?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Community Credit Union (CCCU)WealthSq.comBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of Coaching In Session, host Michael Rearden sits down with Monica Kaufman, a Certified Financial Planner (CFP) and fiduciary, to delve into the critical importance of financial literacy and wealth-building. Monica shares her journey in financial planning, emphasizing the need for authenticity in financial conversations and the sacrifices necessary to achieve meaningful financial goals.The discussion highlights the widespread issue of financial illiteracy, with 80% of the population lacking basic knowledge about managing their finances. Monica provides actionable strategies for breaking generational patterns, understanding risk tolerance, and building a solid financial foundation. She stresses the importance of balancing debt repayment with emergency savings, choosing the right financial professionals, and adopting a proactive approach to financial education.Whether you're navigating inflation, setting achievable goals, or redefining your beliefs about money, this episode offers practical advice to empower your financial mindset and help you transition from earning money to building lasting wealth.Monica Kaufmanhttps://www.harmonywealthacademy.com/#FinancialLiteracy #WealthMindset #PersonalFinance #FinancialFreedom #MoneyManagement #BreakingBarriers #FinancialPlanning #RiskManagement #DebtRepayment #EmergencySavings #WealthBuilding #MonicaKaufman #CoachingInSession #PositivePsychology #MindsetShift #FinancialEmpowermentSend us a MessageSupport the showWebsite: www.Revenconcepts.comEmail: Coachinginsession@gmail.com Don't forget to subscribe, leave a review, and share the podcast with others who would benefit from it!

We debut a new pod series: Basics of the 403(b) & 457(b). In this series, which will eventually get its own channel, we will go over the basics of how these plans work, and how they can be used to save wisely for retirement. First off: How to Start a 403(b).  403(b) Basics CalSTRS Pension 2 Enrollment Fidelity Enrollment (need an Employer Plan number) Vanguard Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

This week Ivy Slater, host of Her Success Story, chats with her guest, Sherry Finkel Murphy. The two talk about the innovative subscription model at Madrina Molly, the essentials of financial planning, and the practice of radical flexibility in balancing personal and professional life.  In this episode, we discuss: How Sherry Finkel Murphy transitioned from selling her financial planning practice to building a new platform called Madrina Molly, aimed at empowering women with financial and longevity planning education. Why Sherry chose to create a subscription model for Madrina Molly, focusing on democratizing access to financial planning education and support for women who may not have access to traditional financial advisory services. The challenges faced by women in achieving financial education and overcoming industry-related biases that suggest they are doing financial planning wrong. How the dynamics of living in a world with four or five generations contemporaneously affects family relationships and financial planning, emphasizing the continued involvement of grandparents. The whole new way of thinking about retirement, introducing Sherry's "year of not saving" idea – basically encouraging folks to live life now and not just stockpile for the future.      Sherry Finkel Murphy, CFP®, RICP®, ChFC® is the Founder and CEO of Madrina Molly™, which provides insights and education for women who are actively designing their second 50 years. Sherry highlights the reality of the "Triple-Decker Club Sandwich Generation," where women balance caring for aging parents, supporting adult children, and planning for their own financial futures.   She is passionate about helping professional women redefine the phase after work. As a Certified Financial Planner® (CFP®), Chartered Financial Consultant® (ChFC®), and Retirement Income Certified Professional® (RICP®), Sherry draws on her extensive expertise and personal experience to update the old retirement narratives, emphasizing creative multigenerational solutions, financial resilience, and the potential for reinvention in one's 50s, 60s, and beyond.   Her philosophy is grounded in the belief that women can embrace this new phase of life as a time for transformation, purposeful planning, and achieving “amazing” on the other side of “invisible.” With relatable storytelling and actionable advice, Sherry empowers women to take control of their finances, health, and futures with optimism and confidence.     Website: https://www.madrinamolly.com/   Social Media Links:IG - @finkelmurphy Linkedin - https://www.linkedin.com/in/sherryfinkelmurphy/ FB - https://www.facebook.com/MadrinaMolly/  

Teacher gets phishy email from Equitable salesperson. Does it violate FINRA section 2210(d)(1)(A) and (B)? Equitable to Pay $50 Million Penalty What's That Phishy Smell in Your Inbox? Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Lucretia Ryan, financial writer, educator, philanthropist and founder of FinancialFreedomforWomen.org., discusses the options for getting health insurance before age 65. Dan discusses his sudden need for a new healthcare policy.  Retiring Before 65: How to Avoid Health Insurance Nightmares Choose the Best Medicare Plan Congressional District Interactive Map: How Much Will ACA Premium Payments Rise if Enhanced Subsidies Expire? Financial Freedom for Women Dirty Little Secrets of Medicare "Advantage" Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).   

We catch up with New Jersey high school business and personal finance teacher Chris Nye, one of the best 403(b) advocates in the country. He talks teaching personal finance, how teachers may have an excellent 403(b) choice already available and don't know it, and pension drama in New Jersey. Fight for Better (our first pod with Chris) Adding a 457(b) is As Easy As 1-2-3 (Chris's second appearance) Bad 403(b) Vendors with Good Choices Using Aspire Non Advisor Option Become a New Jersey Pension Advocate Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

“I define wealth as the luxury of choice.” –Kaitlyn CarlsonDo you like the sound of financial freedom or work optional? If you're uninspired by the idea of a retirement fund and underwhelmed by the idea of money management, this conversation with certified financial planner Kaitlyn Carlson is for you.A financial planner helps you take the 30,000 foot view of your financial situation. They see your business, your other assets, your liabilities. They see where you are and where you want to be … and the different paths to get you there.If you are looking for the luxury of choice, wealth creation needs to be part of your plan.We talk about: Living in your purpose and looking at your work optional date3 levers you can change the numbers you settle on make you panicWriting down your financial goalsGrowth over time and why to start now even if you can't save what you think you should be savingUsing a retirement calculator Getting help with financial planning instead of feeling like you have to know everything about itABOUT KAITLYNKaitlyn is the Founder & CEO of Theory Planning Partners, a boutique wealth creation firm for the top female entrepreneurs in the United States.Before launching Theory Planning Partners, Kaitlyn spent the majority of her career at UBS Financial Services, Inc., where she held roles in both the southern and northeastern regions of the U.S. There, she developed more than 300 financial plans for clients with assets ranging from $500,000 to $1 Billion. Subsequently, she became an advisor on a private wealth management team that managed over $600 million for a few dozen families. Her career began in asset management with Putnam Investments.Kaitlyn is a CERTIFIED FINANCIAL PLANNER™️ (CFP®), Certified Exit Planning Advisor™️ (CEPA™️), and an Accredited Wealth Management Advisor (AWMA®). Outside of work, she is a spiritual seeker ravenous to understand why we are here and how to make a meaningful life.Kaitlyn lives in Marblehead, MA, with her husband, Jake, their three children, Russell, Luke, and Grace, and their affectionate dog, Bacchus. In her free time, she enjoys exercising, reading, traveling, and trying new restaurants around Boston.LINKStheoryplanning.comhttps://www.instagram.com/theoryplanningpartners/DOABLE CHANGESAt the end of every episode, we share three doable changes, so you can take what you've heard and put it into action. Change comes from action. Sometimes action gets a bad rap. You can be kind to yourself. You can practice being AND doing, but for change to happen you have to take steps. The way we take care of ourselves is making the steps doable and focusing on one thing at a time. We take time to integrate the change and then move on to the next one. Pick a Doable Change that resonates with you the most to start from. Here are three Doable changes that we chose from this conversation. FIND YOUR FREEDOM DATE NUMBER. Use a retirement calculator to figure out how much you need to live the lifestyle you want based on when you want to be work optional.ADJUST YOUR FINANCIAL FREEDOM NUMBER. If your freedom date number scares you, change one of the levers. You can adjust how long before your freedom date, how much money you want to live on monthly, or play with your savings rate. You can keep adjusting too.START INVESTING. Don't think that you have to hit your number right away. Start now with what you can do. Work toward reaching that monthly goal (and know that if you exceed it, you will make up for some of the lower months).

Scott and Dan look at the Employee Retirement Income Security Act (ERISA) which brought a fiduciary standard to most retirement plans. The act went into effect in 1974 but is beginning to show its age.    How a 50-year-old law changed retirement and why it needs a facelift Dawn of ERISA Man with a Better Plan - We almost had a simpler retirement system Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Barbara O'Neill, CFP®, AFC® and Scott Dauenhauer CFP® break down the recently passed Social Security Fairness Act and what it means for some educators. They cover why the WEP and GPO were first put in place and what it's repeal means for: Those currently collecting Social Security benefits Those new eligible to collect Social Security benefits Those lacking enough credits to qualify for Social Security benefits At the conclusion of the recording of this episode Scott got a call from a family member who he had helped apply for this new benefit who shared the good news that she had just received a Social Security check for more than $9,000.  The Social Security Fairness Act: A Holiday Season Miracle Social Security Administration Social Security Fairness Act 403(b) Plans and Social Security  Guardians of SS FBG WEP Chart note: Link mentioned in pod mysteriously stopped working the day after recording. A web search for new link is recommended.  Opinion: Social Security Fairness Act will be tricky to implement Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

“The purpose in a man's heart is like deep water, but a man of understanding will draw it out.” - Proverbs 20:5Man's ultimate purpose is to glorify God, but deciding how to do that can be challenging. Sometimes, we need help from a trusted advisor. I'll discuss that today with Rachel McDonough. Rachel McDonough is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and a regular Faith & Finance contributor.The Cultural Challenge: Are We Asking the Right Financial Questions?Money is more than just a tool—it's a reflection of our values, priorities, and ultimately, our faith. But how do we ensure that our financial decisions align with God's purpose for our lives?As believers, we all want to honor God with the resources He has entrusted to us. However, navigating financial decisions can be overwhelming—especially when culture pushes us in the opposite direction.Traditional financial planning often starts with one simple question: “What are your financial goals?”At first glance, that sounds logical. But the problem? It starts with us—our dreams, our desires—rather than seeking God's plan first.Many people feel pressure to already have their financial goals figured out. If they don't, they may experience anxiety, uncertainty, or even guilt. Instead of feeling liberated, they feel like they're failing.So, how do we shift from “What do I want?” to “What does God want for me?”The Heart of Financial Planning: Start with Your ValuesTake a step back before setting financial goals. Instead of ready, aim, fire—we should first seek to understand:Our values – What matters most in this season of life? Our priorities – How should we allocate resources to reflect these values? God's purpose – What is He calling us to pursue financially?As Paul David Tripp once said:“The thing that is your treasure will control your heart, and what controls your heart will control your words, your behaviors, your choices, and your decisions.”If we start with financial goals before examining our hearts, we risk aiming at the wrong target.A Real-Life Example: Aligning Values with Financial DecisionsRachel shared a story about a couple who initially sought financial advice because they wanted to:Build a cabin on a parcel of land they owned. Renovate part of their house to improve their living space.Sounds reasonable, right? But as they went through a values discovery exercise, something surprising happened.The wife valued respect and security, yet she was deeply stressed in her job, to the point of tears during their financial planning session. The husband valued loyalty and family, which made watching his wife suffer painful for him.After reflecting on their true priorities, they realized now was not the right season for a cabin. Instead, they needed a financial plan that allowed the wife to:Move into a less stressful job (even if it meant earning less) Find financial stability while navigating a large inheritance Postpone the cabin to a future season once their immediate needs were metThe outcome? A plan that prioritized peace, purpose, and financial security—without regret.The Role of a Certified Kingdom Advisor (CKA®)Many financial advisors focus solely on wealth accumulation and goal-setting. But a Certified Kingdom Advisor (CKA®) brings a biblical perspective, asking questions like:“What do you think God is calling you to pursue in this season?” “Do you need more income or more impact?” “What does surrender look like in your financial life?”This kind of financial planning frees people from guilt and regret. Instead of chasing worldly success, they begin pursuing God's best for their lives.Aligning values with financial goals isn't just a nice idea—it requires practical steps. In the case of Rachel's story from earlier, their financial strategy included:The wife transitioning to a lower-stress, lower-income job. The husband re-entering the workforce to ease financial pressure. Using their inheritance wisely to cover healthcare costs before Medicare kicks in. Delaying the cabin goal until it was a better fit for their priorities.Their financial decisions became intentional—not just reactionary.The Fruit of Biblical Financial PlanningWhen people approach financial decisions with a heart of surrender, the results are transformational. The fruit we see in people who adopt this mindset is:Freedom from regret Peace and joy in their financial journey Stronger relationships as they align finances with God's planYou're not alone if you've ever felt uncertain about your financial goals. Instead of feeling pressured to have it all figured out, take a step back and ask:What are my core values? What is God's purpose for my finances? Am I making financial decisions out of trust or fear?And most importantly:How can my money reflect what's most important to me as a Christ-follower?If you're looking for a biblical approach to financial planning, consider working with a Certified Kingdom Advisor (CKA®)—a professional trained to help you navigate money through the lens of faith and stewardship. Find a CKA near you at FaithFi.com and click “Find a Professional.”Because when your finances align with God's purpose, everything changes.On Today's Program, Rob Answers Listener Questions:I would like to know how to invest $5,000 in my 12-year-old daughter's future, specifically how to do so to ensure that the investments align with my biblical values and that the money can grow over time.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationSavingForCollege.comTimothy Plan | Eventide | OneAscentLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Retired educator is prolific writer of state specific retirement guides for teachers (40 and counting); he's running for a seat on the Colorado PERA Board of Trustees; and he writes engaging and educational retirement planning material that he makes available for free. We discuss all of this and more.   Fisch Financial Karl's State Specific Retirement Guides for Educators LA Wildfire Relief Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

The World's #1 Personal Development Book Podcast!  In today's episode, we have the pleasure to interview Jeffrey Panik, author of “Your Future Is Now: A Guide to Understanding Your Finances and Gaining Independence.” Jeff is a Certified Financial Planner (CFP®) and financial advising professional with over 25 years of experience helping families, individuals, and small businesses navigate the complexities of financial literacy. His mission? To empower people to balance living well today while securing a stable financial future. Jeff's expertise stems from a lifetime of learning—from serving in the U.S. Army to becoming the first in his family to attend college and overcoming financial hurdles of his own. In his book, Jeff breaks down the basics of budgeting, saving, and understanding money in clear, actionable ways that anyone can follow. In this episode, Jeff shares invaluable insights on why financial literacy is so critical, how to start budgeting without fear, and why communication about money is essential in relationships. He also tackles the challenges of today's consumer-driven society, offering advice on how to create financial independence in a world of debt and instant gratification. We hope you enjoy this incredible conversation with Jeffrey Panik! To learn more about Jeff and buy his book follow the links below: The Book: https://a.co/d/fw8Ayfb Websites: ​​https://jeffreypanik.com/ https://www.linkedin.com/in/jeffpanik/ https://www.instagram.com/yourfutureisnow12/ https://www.youtube.com/@JeffPanik ________________________________________________ Join the world's largest non-fiction Book community! https://www.instagram.com/bookthinkers/ The purpose of this podcast is to connect you, the listener, with new books, new mentors, and new resources that will help you achieve more and live better. Each and every episode will feature one of the world's top authors so that you know each and every time you tune-in, there is something valuable to learn. If you have any recommendations for guests, please DM them to us on Instagram. (www.instagram.com/bookthinkers) If you enjoyed this show, please consider leaving a review. It takes less than 60-seconds of your time, and really makes a difference when I am trying to land new guests. For more BookThinkers content, check out our Instagram or our website. Thank you for your time!

We discuss Vanguard's settlement with the SEC over issues with target date funds held in taxable accounts.  Vanguard to Pay More than $100 Million Over Target Date Violations US Inflation Calculator 403bwise Vendor Grades LA Wildfire Relief Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Did you know the way you manage your money could mirror how you care for your health? In this episode of Total Health in Midlife, I sit down with Marie Burns, a Certified Financial Planner and former Registered Dietitian, to explore the fascinating connection between financial habits and physical well-being.  Marie shares how behaviors we learned in childhood influence our choices today and how rewriting those narratives can lead to greater balance and confidence. We discuss why financial wellness and physical health are deeply intertwined, offering practical tips to take charge of both.  From uncovering your "money personality" to understanding how stress impacts your finances and health, this episode is packed with relatable stories, actionable advice, and tools you can use to start making positive changes. Whether you're looking to feel more empowered in managing your money or inspired to create a healthier lifestyle, this conversation will leave you with fresh perspectives and a renewed sense of possibility.  Don't miss the valuable insights Marie shares about living more balanced and vibrant midlife. About Marie Burns Marie Burns, a Certified Financial Planner (CFP) with insurance and securities licenses, has been advocating for clients as a financial advisor for over 20 years.  She has helped clients with their financial lives in a fiduciary capacity in a bank setting, accounting firm, at Vanguard, at a financial planning firm, and now writes and speaks and has her own practice with an independent Registered Investment Advisory firm called Focus Point Planning.  She enjoys cooking, reading, walking, hiking, Zumba, and especially creating memories with family and friends.  Get full show notes and more information here: https://elizabethsherman.com/206

Ted Oakley, Managing Partner and Founder of Oxbow Advisors, joins Julia La Roche on episode 226 to share his perspective on the biggest challenges facing investors in 2025. Oakley discusses the potential collision between high government debt levels and rising interest rates. He expresses concerns about the new administration's economic plans sparking inflation, and the difficulties in refinancing government debt given budget shortfalls. Oakley also shares his market outlook, highlighting risks around investor complacency, the popularity of passive investing, and the importance of maintaining liquidity. He provides insights from his decades of investing experience, including how he navigated previous turbulent markets. Oakley also previews his upcoming book on generational wealth and the lessons learned from his own upbringing. With more than forty years of experience in advising high-net-worth clients in the investment industry, Oakley implements the firm's proprietary investment strategies and the “Oxbow Principles” to provide a unique investment perspective. He is a frequent guest on FOX Business News, Bloomberg Radio, KITCO News, Cheddar TV, Yahoo Finance, and many more. Oakley is a Chartered Financial Analyst (CFA) and a Certified Financial Planner (CFP). He is a member of the Austin Society of Financial Analysts. He is also a Partner of Herndon Plant Oakley Ltd., an investment company. He is a Board Member of Texas State Aquarium, American Bank, and American Bank Holding Company. Mr. Oakley is a United States Army Veteran. Oakley began his career in Dallas, Texas, over 35 years ago. He is the author of nine books: You Sold Your Company, $20 Million and Broke, Rich Kids Broke Kids – The Failure of Traditional Estate Planning, Crazy Time – Surviving the First 12 Months after Selling Your Company, Wall Street Lies, Danger Time, My Story, The Psychology of Staying Rich, and Your Money Mentality. Oakley's primary philanthropic interest is helping children. He is Chairman Emeritus and Founder of the Foster Angels of South Texas, the largest foster child foundation in South Texas, as well as Chairman Emeritus and Founder of Austin, Texas-based Foster Angels of Central Texas. Also, President and Founder of Advocates for Foster Children Foundation. 00:00 Introduction and welcome 01:52 Macro outlook: debt vs interest rates 04:42 Inflation concerns with new administration 06:30 Challenges refinancing government debt 09:17 Markets driven by rumors over fundamentals 11:12 Government's economic impact; recession risks 15:54 Oakley's past performance in turbulent markets 19:11 Risks of passive investing given demographics 22:05 Market complacency and emotional investing 25:23 Finding value in stable dividend stocks 28:04 Views on Bitcoin as speculation 31:47 Fed's interest rate dilemma 34:12 Potential paths out of US debt problem 37:29 Recession risks from spending cuts 39:16 Maintaining high liquidity given risks 42:10 Upcoming book on generational wealth 46:40 Instilling work ethic despite wealth 49:41 Closing thoughts on balance and liquidity

Individual barred from acting as a broker goes all in on Florida K-12 market is another example of how broken the K-12 403(b) remains.  FINRA Broker Check LA Wildfire Relief Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Our guest today, Aaron Standish, is the former Financial Literacy Coordinator (K-12) for the School District of Palm Beach County, Florida who recently joined Next Gen Personal Finance as their Partnership & Adoption Manager for the Southeastern part of the country.  ngpf.org NGPF On-Demand Modules The Most Important Class You Never Had Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Barbara O'Neill, CFP®, AFC®, and owner of Money Talk and a regular contributor to 403bwise looks back at key money issues in 2024 and ahead to 2025.   2024 Personal Finance Recap for 403(b) Participants Million Dollar 403(b) Mistake Morgan Housel books & podcasts Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

"Do you not know that in a race all the runners run, but only one receives the prize? So run that you may obtain it." - 1 Corinthians 9:24The apostle Paul exhorted the early church at Corinth to run in such a way as to win the prize, but sometimes, with finances, it feels like we're in a race with no end! Today, Rachel McDonough joins us to talk about setting financial finish lines. Rachel McDonough is a Certified Financial Planner (CFP®), a Certified Kingdom Advisor (CKA®), and a regular Faith & Finance contributor.What Are Financial Finish Lines?Financial finish lines answer the question: How much is enough? This concept is built around two primary purposes for financial resources:Provision: Ensuring we meet our personal and family needs.Kingdom Impact: Using resources generously to advance God's Kingdom.While there's no finish line for Kingdom impact—our generosity can grow indefinitely—establishing clear finish lines in the provision bucket enables us to responsibly allocate more resources for generosity.Setting Finish Lines in the Provision Bucket1. Lifestyle SpendingDefining “enough” for lifestyle spending is the first step. One approach is to use a multiple of the poverty line income for your household. For instance, in 2024, the poverty line income for a family of four is $31,200. Using this as a benchmark, you can determine an appropriate multiple to guide your lifestyle choices.By setting these parameters, you can also calculate how much you'll need for retirement with greater clarity.2. Gifts to Family MembersAnother key area is determining how much is enough when giving to children or grandchildren. While it's natural to want to help, large, unearned gifts can sometimes have adverse effects. Prayerfully discern how to meet the needs of each family member in a way that fosters responsibility and independence. Like Ron Blue has often said: “If I love my children equally, I will treat them uniquely.”3. Asset AccumulationFinish lines for asset accumulation answer the question: How much is enough for future provision? Without setting limits, resources that could be used for Kingdom impact may remain stalled in a “potential future needs” category. Financial planning helps determine this figure, often incorporating a margin for unexpected circumstances.Catalyzing Kingdom ImpactEstablishing finish lines within the provision bucket frees resources for the Kingdom impact bucket. These funds can be directed toward generosity, allowing you to partner with God in advancing His work.A Certified Kingdom Advisor (CKA®) can be an invaluable partner in this process. They can provide tools for cash flow management, budgeting, and financial planning to help you discern how much is enough. As you reflect on your financial goals this year, consider setting finish lines in key areas of your provision. Doing so not only brings clarity and peace but also opens the door to greater Kingdom impact.On Today's Program, Rob Answers Listener Questions:I'm married, but my wife and I disagree on budgeting and spending. I feel we need a budget to manage our money better, but she is more liberal with spending than I am. How can I get us on the same page?I recently bought a car, but now it's not fitting into my budget. The insurance went up, and I have no extra money. I'm worried I'll end up in a hole. Can I return the car or get out of it without hurting my credit?Resources Mentioned:Money and Marriage God's Way by Howard DaytonChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Former Baltimore teacher-turned fiduciary advisor Justin Garritt discuss the top teacher financial mistakes of 2024 that he sees in his practice.  Garritt Financial Solutions Baltimore Banner 403(b) Story Jeff Venables The Student Loan Planner The FIT Position: A Framework for Financial Success Morgan Housel books & podcasts Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

You have to be at least 62 to collect Social Security…maybe because it takes that long to understand the program.Do you have questions about Social Security? Of course, you do. Who doesn't? Well, you don't want to miss today's program. Eddie Holland is back to answer more of your questions about Social Security.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).Can You Claim Benefits Early and Switch Later? You can claim Social Security benefits at 62 and switch to spousal benefits later if the spousal benefit is higher than your own. However, if your benefit is higher, you must take that instead. Conversely, you must wait to claim spousal benefits first and then switch to your benefit at full retirement age; you must take the higher of the two benefits available.Survivor Benefits Exception Survivor benefits are an exception where you can take one benefit and let the other grow. For instance, a widow can claim a survivor benefit as early as 60 and then switch to her benefit at 70, which would have grown due to delayed retirement credits.Taxation of Social Security Benefits Social Security benefits can be taxed based on your combined income, including half of your Social Security benefits, adjusted gross income, and any tax-exempt interest. Federal taxes apply progressively, with higher income leading to more taxable benefits.Roth Conversions and Social Security Be cautious with Roth conversions, as they can increase your combined income and make more of your Social Security benefits taxable. This strategy might push you into a higher marginal tax bracket.Stopping Benefits If you decide to stop your Social Security benefits, you can do so within the first 12 months of receiving them if you're under full retirement age. Beyond that, you can pause benefits after reaching full retirement age to earn delayed retirement credits.Scams and Social Security There is an increasing problem of Social Security scams. Legitimate Social Security issues will be communicated via mail, not phone calls, emails, or social media messages. If in doubt, always verify by setting up an appointment with your local Social Security office.If you have questions about your benefits, consider consulting a Certified Kingdom Advisor (CKA®) who can provide tailored advice for your unique situation. On Today's Program, Rob Answers Listener Questions:I have a substantial amount in an IRA. Should I roll it over to a Roth IRA and pay the taxes upfront, or just leave it in the traditional IRA and pay taxes later when I take distributions?I'm 61 years old and have a car loan with 6.7% interest. I would like to know if I can take money from my 401(k) to pay off this car loan. Would that be a good idea?Resources Mentioned:Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Mai Nguyen, director of the Department of Social and Emotional Wellness Supports for Buffalo Public Schools, talks supporting the whole child and teacher. She also discusses the 403(b)/457(b) event she held that attracted close to 300 educators.  Buffalo Public Schools Department of Social, Emotional, and Wellness Supports Buffalo City Schools 403(b)/457(b) Plan Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

As 2024 comes to a close, real estate investors everywhere are asking: How can I plan strategically for 2025 to optimize my portfolio and build lasting wealth? In this episode of The Real Wealth Show, host Kathy Fettke sits down with Certified Financial Planner (CFP) and seasoned real estate investor Kyle Mast to tackle this critical question. Together, they explore the importance of financial planning for real estate investors, when and why you might need a CFP, and key strategies for tax efficiency, portfolio diversification, and long-term wealth building. Learn how Kyle reached financial freedom by age 37 and how he continues to thrive with a balanced investment approach. Don't miss this opportunity to prepare for the year ahead and gain exclusive advice on building real wealth through strategic real estate investing (00:00) Financial Planning for Real Estate Investors in 2025 (01:28) Kyle Mast Origin Story (05:30) Kyle's First Property (07:33) Real Estate and Portfolio Diversification (13:11) When do I need a CFP? (20:12) Financial Planning Services (24:00) 2024 Savings? OUR GUESThttps://www.kylemast.com/https://www.linkedin.com/in/kyle-mast-71983416/https://twitter.com/whoiskylemasthttps://www.instagram.com/whoiskylemast/ REGISTER FOR THE PASSIVE WEALTH EXPO JANUARY 18, 2025 https://realwealth.com/passive-wealth-expo-how-to-thrive-in-25/ FOLLOW OUR PODCASTS The Real Wealth Show: Real Estate Investing Podcast https://tinyurl.com/RWSsubscribe Real Estate News: Real Estate Investing Podcast: https://tinyurl.com/RENsubscribe DISCLAIMER The views and opinions expressed in this podcast are provided for informational purposes only, and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. For more information, go to www.RealWealthShow.com

Hey BA fam! It's time for another edition of the BAQA. From 401k rollovers and how to find the right Certified Financial Planner (CFP), to the best investment strategies for retirement accounts -- Tiffany has all your financial questions covered. This week, she's stressing the importance of keeping financial accounts organized and breaks down everything you need to know about managing retirement funds and custodial accounts for your kids.We want to hear from you! Drop us a note at brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast  Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.