Podcasts about cfp certified financial planner

O Genial Insights desta semana recebe Ana Leoni, CEO da Planejar, a Associação Brasileira de Planejamento Financeiro. O papo com Genilson Junior e Danielle Fonseca aborda as vantagens da certificação CFP (Certified Financial Planner) e das portas que ela abre. Não perca, dia 20 de janeiro, às 19h15. O Genial Insights é produzido pelo departamento B2B da Genial e é focado no público de planejadores financeiros e agentes autônomos.

Today we're diving into managing financial risk to build a secure future. Joining me is Amanda Neely, Certified Financial Planner™ and CEO of Wealth Wisdom Financial, who specializes in helping families navigate financial planning with practical strategies that minimize unnecessary risk.Amanda shares her inspiring journey from seeing her parents fight about finances as a middle-schooler to building her own business and becoming a trusted advisor. We explore key topics like understanding risk, debunking myths like "no risk, no reward," and using tools like her "Five Smooth Stones" journal to set goals, track progress, and create financial stability. Whether you're balancing your budget or planning for long-term wealth, this episode is packed with actionable insights!Anna's Takeaways:Journey into financial planning (01:23) Impact of the pandemic on business and financial planning (07:29)Defining and managing financial risk (11:57)Examples of financial risk and mitigation strategies (15:00)The role of financial goals and practical tips (20:11)The importance of financial planning for families (27:10)About Amanda Neely:Amanda Neely is a CFP® (CERTIFIED FINANCIAL PLANNER™) professional and CEO of Wealth Wisdom Financial. She makes financial planning more accessible through podcasting and through developing personalized financial strategies for individuals and couples, as well as profitability strategies for small businesses. She works virtually to help every day Americans all over the United States to create smart, stable financial futures. Rate, Review, & Follow on Apple PodcastsMoney Boss Parents! Welcome to Anna's Money Boss Parent podcast, your go-to resource for mastering money management while raising a family. Join me as we explore practical tips, expert insights, and inspiring stories to help you achieve financial success and create a brighter future for your loved ones. Don't forget to subscribe, rate, and review the show to support our mission of empowering parents like you to take charge of their finances and build a prosperous life for their families. Let's thrive together on this incredible journey!FREE GUIDE- Kid Money Boss: School isn't teaching my son about Money. It's up to us Parents. Here are 9 tools I am using to team my son, everything I never learned as a kid.FREE DOWNLOAD: "How to Get Your Money in Order as a New Parent" Take the first step toward becoming a money boss for your family with this essential guide to adapting to your new financial reality.Guest Websites:https://www.linkedin.com/company/wealth-wisdom-financial/https://www.wealthwisdomfp.com/shop - Use the code "moneyboss" for $10 off our journal

In this episode, A.B. Ridgeway breaks down the often-confusing term "financial advisor," explaining how it serves as an umbrella for various financial professionals. He explores the differences between financial planners, brokers, and Registered Investment Advisors (RIAs). Listeners will learn about the significance of professional credentials and the importance of selecting the right advisor for their unique financial needs.3 Key Takeaways"Financial Advisor" is a Broad Term:The title can refer to various professionals, such as stockbrokers, financial planners, and RIAs, each serving different purposes.Credentials Matter—but Research is Key:Not all designations hold equal value. Certifications like CFP (Certified Financial Planner) and CPWA (Certified Private Wealth Advisor) indicate higher standards, but it's crucial to understand what each credential represents.Holistic Financial Planning Provides Greater Value:Unlike brokers who focus solely on investments, financial planners and RIAs take a comprehensive approach, covering everything from wealth transfer to retirement planning and tax strategies.3 Memorable Quotes“A financial advisor is like an umbrella term. A lot of people like to call themselves financial advisors, and that just may not be true.”A.B. Ridgeway highlights the importance of discernment when choosing a financial professional.“Just because someone has letters behind their name doesn't mean that credential really means anything.”A reminder to look beyond titles and dig deeper into what those credentials actually entail.“The more money you have, the more strategies you need to implement—and you need someone to help you implement them.”Ridgeway emphasizes the value of strategic financial planning, especially for high-net-worth individuals.This episode offers valuable insights into understanding financial advisors' roles and helps listeners make informed decisions when seeking professional guidance. Whether you're managing debt, planning for retirement, or building wealth, knowing the right type of advisor to work with is essential.

In this episode, A.B. Ridgeway breaks down the often-confusing term "financial advisor," explaining how it serves as an umbrella for various financial professionals. He explores the differences between financial planners, brokers, and Registered Investment Advisors (RIAs). Listeners will learn about the significance of professional credentials and the importance of selecting the right advisor for their unique financial needs.3 Key Takeaways"Financial Advisor" is a Broad Term:The title can refer to various professionals, such as stockbrokers, financial planners, and RIAs, each serving different purposes.Credentials Matter—but Research is Key:Not all designations hold equal value. Certifications like CFP (Certified Financial Planner) and CPWA (Certified Private Wealth Advisor) indicate higher standards, but it's crucial to understand what each credential represents.Holistic Financial Planning Provides Greater Value:Unlike brokers who focus solely on investments, financial planners and RIAs take a comprehensive approach, covering everything from wealth transfer to retirement planning and tax strategies.3 Memorable Quotes“A financial advisor is like an umbrella term. A lot of people like to call themselves financial advisors, and that just may not be true.”A.B. Ridgeway highlights the importance of discernment when choosing a financial professional.“Just because someone has letters behind their name doesn't mean that credential really means anything.”A reminder to look beyond titles and dig deeper into what those credentials actually entail.“The more money you have, the more strategies you need to implement—and you need someone to help you implement them.”Ridgeway emphasizes the value of strategic financial planning, especially for high-net-worth individuals.This episode offers valuable insights into understanding financial advisors' roles and helps listeners make informed decisions when seeking professional guidance. Whether you're managing debt, planning for retirement, or building wealth, knowing the right type of advisor to work with is essential.

Aaron Spitzner-Financial Advisor and CFP (Certified Financial Planner) at Kowal Investment Group by 96.5 WKLH

In today's episode of the Wealthy Woman Lawyer® podcast, I chat with Niraj Chhabra, Managing Director of Sidebar Advisors, a financial planning firm focused on helping attorneys navigate their unique financial challenges.With an MBA in finance from Rutgers University and certifications as a CFP® (CERTIFIED FINANCIAL PLANNER™), CLTC® (Certified in Long Term Care), and CRPC® (Chartered Retirement Planning Counselor℠), Niraj brings extensive experience in advising legal professionals on family finances, tax strategies, and retirement planning.  Niraj launched Sidebar Advisors in 2022, after serving as an advisor at Ameriprise Financial since 2005, where he worked primarily with clients in the legal profession. His focus is particularly on empowering women lawyers through holistic financial planning and complimentary educational workshops, helping them tackle tax challenges and adapt their financial plans as their careers evolve.  Listen in as Niraj and I discuss:The specific financial challenges faced by attorneys, including managing student loan debt, navigating tax implications, and preparing for retirementHow Sidebar Advisors offers customized financial strategies to women lawyers, focusing on their unique needs as business owners and legal professionalsKey strategies for attorneys balancing personal and business finances, from saving for retirement to managing cash flow for their law firmsThe importance of building a financial safety net and long-term planning for attorneys, particularly those who run small law firmsWhy financial literacy and proactive planning are essential, especially for women navigating complex financial decisionsAnd much more! LINKS TO LOVE:To learn more about Niraj and connect with him, visit his websiteIf you are seeking help to grow a profitable, sustainable, wealth-generating law firm, check out my brand new *free* training—Build a Wealth-Generating Law Firm: 3 Strategies for Women Law Firm Owners That Double Your Revenue Without Doubling Your Workload. 

In this episode of the Inspired Money Live Stream Podcast, host Andy Wang and a panel of financial experts tackle how psychological and emotional factors shape our spending habits. With insights from Dr. Judith Wright, Dr. Bob Wright, Dr. Megan McCoy, and Maggie Klokkenga, this episode breaks down the key influences behind financial decisions and offers strategies to develop healthier spending practices. Understanding the Psychology of Spending Our financial choices are driven by more than just needs; psychological triggers and emotional factors play a significant role. In The Psychology of Spending, we focus on how subconscious behaviors impact our spending and offer practical solutions to manage these impulses.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the importance of understanding tax withholdings in retirement to avoid tax surprises. Unlike during your working years when taxes are automatically withheld from your paycheck, retirement requires a more strategic approach to managing taxes. To help navigate this complex terrain, they bring in Taylor Wolverton, a CFP Certified Financial Planner and EA Enrolled Agent specializing in tax strategy. Taylor shares her expertise on how to adjust tax withholdings and make informed decisions to ensure smooth income flow during tax season.Listen in to learn about how you can avoid unexpected tax bills or penalties by effectively managing your retirement tax withholdings. Taylor provides practical examples and shares real-life scenarios to demonstrate how different income sources, such as Social Security benefits, pensions, and investments, can impact your tax obligations. This episode is a must-listen for anyone looking to develop a robust retirement tax strategy and maintain financial peace of mind.In this episode, find out:How to adjust your tax withholdings in retirement to avoid surprises and penalties.The impact of different income sources, including Social Security and pensions, on your tax obligations.Strategies for maintaining consistent cash flow and managing tax liabilities efficiently.Real-life examples and scenarios illustrating the importance of understanding tax withholdings.Tips on reviewing and adjusting tax withholdings annually to align with your changing financial situation.Tweetable Quotes:"The power of understanding your withholdings is peace of mind—no surprises come tax time." — Radon Stancil"Adjusting withholdings isn't just a set-it-and-forget-it task; it's an annual review to ensure your tax strategy aligns with your retirement goals." — Taylor Wolverton, CFP, EAResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Send us a Text Message.On the latest episode of The Get Ready Money Podcast, I spoke with Darrell Young, the founder and CEO of Karmeq about changing the way we think about money and closing the wealth gap. In this episode we discussed:Why the wealth gap is the single greatest problem facing America today.How the study of economics and the study of scarce resources is the solution.The importance of developing your network.Why gamification does not lead to real life skills. Why giving is valuable and can bring you joy.Why every spend of our money or time is an investment. Darrell Young is the serves as the Founder & CEO of KARMEQ, a broker/dealer investing platform uniquely enabling users to purchase and send Stocks as Gifts.  Coming from the perspective that the Wealth Gap is the greatest problem facing America today, Darrell and his team built KARMEQ not as just another FinTech company – but instead as a FinTeachTM platform designed to help Americans of all ages gain financial literacy. Darrell also serves as Principal of Poplar Global Wealth Management LLC, a boutique registered investment advisory practice.  Darrell began his career in accounting, soon earning designations as a California CPA (“Certified Public Accountant”) and CFP (“Certified Financial Planner”). Outside of work, Darrell enjoys Cub Scouting and other outdoor activities with his family. Connect with Darrell Young:Karmeq Website: https://www.linkedin.com/in/darrell-young-3baba3/Poplar Global Wealth Management website: https://pgwm.com/LinkedIn: https://www.linkedin.com/in/darrell-young-3baba3

Sanjoy Bhattacharya was born in India and grew up in the Chicago area, finishing all of his education there as an MBA, CPA (Certified Public Accountant) and CFP (Certified Financial Planner). He retired at the age of 41 and moved to St. George 25 years ago. Sanjoy has not slowed down one bit since retiring: he has taken classes in 48 straight semesters at the Utah Tech ICL (Institute for Continued Learning); enjoys playing 4 sports each week: pickleball, racquetball, table tennis, and golf; volunteers at multiple venues weekly; and enjoys traveling with his wife (75+ countries so far). He is also a member of a couple of book clubs and several cards and board game groups. He is part of a team that plays pub trivia two evenings a week. Additionally, Sanjoy is a table tennis co-director for the Huntsman World Senior Games and was instrumental in bringing NeuroPong to our Games.If you have ever wondered how another paddle sport, pickleball, got started, you should listen to hear a brief summary of its history.

Retirement planning is crucial for everyone, but it introduces particular challenges for women. With longer life expectancies, as well as reduced earning potential due to the gender pay gap and other factors, women face a unique set of obstacles in preparing for retirement compared to men. Special guest - Jackie Ampe:Jackie is a Senior Vice President and Financial Advisor at Wealth Enhancement GroupShe has a broad base of knowledge and years of experience in the financial industry and is especially passionate about educating women on investing and financial planning.Four-time winner of the FIVE STAR Wealth Managers Award (2019-2023) Highly credentialed, having earned her CFP® (Certified Financial Planner), CERTIFIED RETIREMENT COUNSELOR® Professional designations and is insurance-licensedBS from St. Cloud UniversityWhen not working with clients, Jackie enjoys walking, traveling, gardening and spending time with her husband and six boys, two daughters-in-law and their fur baby, Ralphie.

Stacy and Erin sit down with financial advisor Jeff McDowell of Roadstead Capital Partners to discuss everyone's favorite topic: money. The three discussed investing in the markets, the future of AI and associated stocks, how politics and the election year affect investing concerns and the market in general, conspiracy theories, commercial real estate investments, investment properties including vacation rentals, and the parallels between financial and real estate markets and clients fears - everything top of mind for the money-obsessed! They also discuss how to make important decisions with a level head when there is uncertainty. Jeff provides book and podcast recommendations as a bonus including The Psychology of Money by Morgan Housel.  Jeff is a registered CFP® (Certified Financial Planner) with more than 15 years of experience in the financial services industry which includes working in estate management, trust administration, retirement planning, and portfolio modeling for high-net-worth individuals and families.     Today's episode is brought to you by Bill Payne NMLS ID#: 283298 with First Home Mortgage   Find Out More:   https://www.billpaynemortgagebanker.com Links:  The Psychology of Money Same as Ever Modern Wisdom Podcast with Morgan Housel

In Episode #14 of NAPFA Nation, David Flores Wilson, Managing Partner of fee-only wealth management and financial planning firm Sincerus Advisory, talks with podcast host Marie Swift about his experience representing his Guam in the 200-meter run at the 1996 Olympic Games in Atlanta, Georgia, and his involvement with the Lower East Side Girls Club and other non-profit organizations. To prepare for the Olympics, he took a gap year after high school, and split time between training in Australia and back in Guam with Coach Carl Cruz. He says he would not be where he is today without his family's support, a great education, hard work, and a bit of luck/timing. He has a deep appreciation for the land and people that make the Chamorro culture so unique. Given his background, it's no surprise that he enjoys traveling, reading, Brazilian Jiu-jitsu, yoga and snowboarding in his free time. Wilson discusses his professional credentials, including being a CFA® (Chartered Financial Analyst) and CFP® (Certified Financial Planner) professional, as well as earning designations such as AEP (Accredited Estate Planner) and CEPA (Certified Exit Planning Advisor), and how he specializes in working with business owners and entrepreneurs, providing comprehensive financial planning services. He also works with Gen X and Gen Y clients who are still accumulating wealth, providing pro-active life event and transitions planning (college financial planning, marriage, real estate purchases and sudden wealth). In terms of philanthropy, he encourages clients to be pursue purpose and to be proactive when it comes to giving back. In a nutshell, here's what you'll learn about: The collaborative approach that he and fellow Sincerus partner Dan Ryan took when merging their two independent financial planning firms  The commitment they have to building a firm that offers opportunities for the next generation Creating meaningful impact through financial planning  The pros and cons of using rating systems to evaluate charities and nonprofits based on one's goals and passions  A NAPFA Member since 2018, David Flores Wilson, CFA, CFP®, AEP®, CEPA, was named by Investopedia as one of the Top 100 Financial Advisors in 2019 and 2020. His financial guidance has appeared on CNBC, Yahoo! Finance, the New York Times, US News & World Report, Kiplinger, and InvestmentNews. He sits on the Board of Directors as Treasurer for the Lower East Side Girls Club, and is active with the Entrepreneur Organization Accelerator Program, Estate Planning Council of New York City, Advisors in Philanthropy (AiP), and the Exit Planning Institute. Learn more at www.SincerusAdv.com. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country's leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

Torna la rubrica settimanale dedicata a risparmio e investimenti a partire dai temi di attualità. Interviene Guglielmo Manetti, Amministratore Delegato di Intermonte.Che cos’è la certificazione CFP (Certified Financial Planner)?Il 19 ottobre 2023 è stata introdotta ufficialmente in Italia la certificazione CFP. Si tratta della certificazione più importante al mondo nel campo della pianificazione finanziaria presente in 28 paesi con oltre 213.000 professionisti attivi. I professionisti CFP soddisfano rigorosi standard di istruzione, formazione ed etica e si impegnano a servire al meglio gli interessi dei loro clienti. Ne parliamo nella prima parte della trasmissione con Luca Mainò - Co-founder di Consultique SCF.

This is from episode 130 of my other show 'The Online Business Podcast' - you can subscribe or follow that everywhere podcasts are found.  The clips I posted of this episode have nearly half a million views so I am uploading the full episode on my main show.  I hope it helps you as much as it helped me.  _______________________________________________________ Paul is considered one of Ireland's leading financial advisors, is an internationally recognized CFP® (Certified Financial Planner), as certified by the Financial Planning Standards Board (FPSB). With his straight-talking no-nonsense approach to money and business, he regularly features on TV, radio &, with an ever-growing social following he has quickly become Ireland's favorite financial advisor. Paul Merriman CFP® launched askpaul in 2016 to provide jargon-free expert financial advice to the Irish consumer and provide advice that is centered around them, keeping their best interests at heart This is a podcast that I think is must listen for every Irish person (business owner or otherwise) Here are some of the thing we talked about: ·      His social media growth since 2016 ·      What Irish people need to know about investing ·      Why “a mortgage is the cheapest loan you will ever get” advice s wrong in 2023/2-24 ·      Where you should be investing your money ·      What feels like free money (that nobody talks about)– the Irish pension schemes ·      Improving your financial literacy as an Irish investor ·      And much more   (Website) Ask About Money & Financial Advice in Ireland | askpaul (Tiktok) askpaul (@askpaul) Official | TikTok (Instagram) Paul Merriman (@askpaul.ie) • Instagram photos and videos (Youtube) askpaul The Financial Expert - YouTube (Facebook) Facebook (Linkedin) askpaul -The Financial Experts | LinkedIn  

Christopher Manske, founder and president Manske Wealth Management over half a billion dollars in assets under management. Bio: Chris graduated from West Point and earned his CFP (Certified Financial Planner) from Rice University while working with Merrill Lynch for over a decade. While at ML, he was asked to devise and execute nationwide training for ML brokers. He founded Manske Wealth Management in 2012, which now has over half a billion dollars in assets under management. MWM is consistently rated one of the top wealth management firms in Houston. https://manskewealth.com/staff/christopher-r-manske/In 2020, Chris published his first book The Prepared Investor, which guides investors as to what to do in a crisis. His second book, Outsmart the Money Magicians, will be published with McGraw Hill this fall. It warns investors not to allow what he calls “lifestyle creep” to impede wealth accumulation and informs investors about the conflicts of interest and pressure to sell that challenge even the best-intentioned advisor in a traditional brokerage firm. Website: https://manskewealth.com/ --- Support this podcast: https://podcasters.spotify.com/pod/show/smartmoneycircle/support

Paul is considered one of Ireland's leading financial advisors, is an internationally recognized CFP® (Certified Financial Planner), as certified by the Financial Planning Standards Board (FPSB). With his straight-talking no-nonsense approach to money and business, he regularly features on TV, radio &, with an ever-growing social following he has quickly become Ireland's favorite financial advisor. Paul Merriman CFP® launched askpaul in 2016 to provide jargon-free expert financial advice to the Irish consumer and provide advice that is centered around them, keeping their best interests at heart This is a podcast that I think is must listen for every Irish person (business owner or otherwise) Here  are some of the thing we talked about: ·      His social media growth since 2016 ·      What Irish people need to know about investing ·      Why “a mortgage is the cheapest loan you will ever get” advice s wrong in 2023/2-24 ·      Where you should be investing your money ·      What feels like free money (that nobody talks about)– the Irish pension schemes ·      Improving your financial literacy as an Irish investor ·      And much more   (Website) Ask About Money & Financial Advice in Ireland | askpaul (Tiktok) askpaul (@askpaul) Official | TikTok (Instagram) Paul Merriman (@askpaul.ie) • Instagram photos and videos (Youtube) askpaul The Financial Expert - YouTube (Facebook) Facebook (Linkedin) askpaul -The Financial Experts | LinkedIn    

Have a financial plan. Be ready for life with the right mindset and be OK with asking for help. At the same time, check in on the people you care about. Reach out to them and focus on what's important for you, more than anything. My wonderful guest, Lawrence Sprung, talks with so much passion about his family. As he has been through quite some challenges in his life from a young age, Larry has seen how important being prepared is and he is focusing on his mindset and his physical condition to keep himself away from fear. Get to know my amazing guest: Lawrence “Larry” Sprung, CFP® (Certified Financial Planner) is a husband, father, entrepreneur and mental health advocate.  In 2004 he founded Mitlin Financial, Inc. naming the firm memory of Larry's wife's grandfather, Mitchell, and his mother, Linda.  During his career, Larry has found that a lot of industry terms and concepts can seem confusing to outsiders. That's why he works with the families he serves to break down complex financial topics into easy-to-understand concepts. Larry is the author of the “Financial Planning Made Personal” and also the host of the Mitlin Money Mindset™ a podcast that reminds you to ask yourself “What did you do today that brought you joy?®” In recognition of Larry's significant contributions to his profession, he has received quite a few awards. In 2021, Larry was named to the Investopedia 100 Top Advisors in 2021 and was even more humbled to make their Top Ten list for 2022.  Outside the office, one of Larry's greatest passions is raising awareness for mental health. He spent over 12 years serving on the National Board of the American Foundation for Suicide Prevention (AFSP) and sits on its financial and investment committees.  With his wife, Denise, he has raised more than $1.7 million for the organization through the Keith Milano Memorial Fund. The fund was created in memory of his brother-in-law.   Be prepared! Grab your copy of Financial Planning Made Personal  http://www.financialplanningmadepersonal.com Get in touch with my amazing guest today: Larry Sprung,  CFP® https://www.linkedin.com/in/lawrencesprung/ https://www.facebook.com/lawrencesprung/ https://twitter.com/Lawrence_Sprung https://www.instagram.com/larry_sprung/ Financial Planning Made Personal  https://www.financialplanningmadepersonal.com/ Mitlin Money Mindset™ www.mitlinmoneymindset.com  https://twitter.com/mitlinmoney https://www.linkedin.com/showcase/mitlinmoneymindset https://mitlin.us/MMMYouTube  Mitlin Financial, Inc®  www.mitlinfinancial.com https://www.facebook.com/mitlinfinancial https://www.instagram.com/mitlinfinancial/ https://twitter.com/MitlinFinancial https://www.youtube.com/@MitlinFinancial Enjoy more tools to keep your fears under your control! •••••••••••

In this episode, Chad & Rob discuss various finance and investment topics, including retirement and wealth preservation. Chad highlights the importance of being prepared for retirement and the potential consequences of not doing so. Chad also explains the significance of the CFP (Certified Financial Planner) designation and how it plays a vital role in managing portfolios.  Timestamps: [00:01:31] The CFP designation. [00:05:23] Retirement planning complexities. [00:08:02] Social Security and retirement. [00:11:28] Taxes in retirement. [00:17:36] Long-term care planning. [00:19:03] Medicaid planning and spousal impoverishment. [00:22:24] A sausage grinder inheritance. [00:26:49] Phantom income in taxable accounts. [00:32:07] A successful retirement look. [00:33:19] Higher portfolio value investment options. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

Introducing Jackie Ampe:Jackie is a Senior Vice President and Financial Advisor at Wealth Enhancement GroupShe has a broad base of knowledge and years of experience in the financial industry and is especially passionate about educating women on investing and financial planning.Highly credentialed, having earned her CFP® (Certified Financial Planner), CERTIFIED RETIREMENT COUNSELOR® Professional designations and is insurance-licensedBS from St. Cloud UniversityWhen not working with clients, Jackie enjoys walking, traveling, gardening and spending time with her husband and six boys, two daughters-in-law and their fur baby, Ralphie. Women hold a growing proportion of global wealth1. Women now have discretion over $10 trillion of U.S. household financial assets, about one-third of the total More women work and own their own businesses than ever beforeWomen now earn the majority of college and professional degrees 2. Nine in ten women who are married or live with a partner say they are involved with spending and investing decisions, up from 42% in 2012, according to recent consumer research. 3. Still, there are significant disparities in median household wealth based on age, gender, and marital status.Education is a critical leveler of investment successTwo-thirds of women now invest outside of emergency funds and retirement accounts, according to a 2021 Fidelity Investments Women and Investing study. o Women appear to be more methodical and less emotional about making investment decisionsAligning with Values95% of women ranked “helping others” and 90% reported “environmental responsibility” as important to them. Sixty-two percent of women say that societal causes are more important than wealth accumulation, vs. 53% of men. There's also a growing field of gender-lens investing, that means making investments or gifts to non-profits while considering how women and/or girls might be positively impacted. Next StepsWhat is important to you and how can you align your values with money?How will you generate sustainable income in retirement?How will you plan ahead for tax liabilities?What do you want to leave behind as a legacy for your heirs, or causes you believe in?

Sarah Fontenot is a CFP (Certified Financial Planner), but what she does is unique: Sarah helps people manage their wealth with generosity in mind. Her focus is not just on building and maintaining wealth, but also on how to maximize the amount of good that wealth can impact on the world. In this episode, she shares her story and the role that love plays in her business.

This week on the podcast, Dan, I shared about the wealth of goodness we are grateful for. What is the difference between security and wealth? Is having an abundance of money give you wealth and security? These are some of the questions we explore in today's podcast episode.  During our With too many options, we can become paralyzed and not take action in our life. Our guest, Amanda, encourages people who have done dreaming of what they want in life, but she helps them chart the course and plan for a financial future. Amanda strives to be a part of diverse communities and has found that financial planners are crucial to help everyday Americans with sound financial advice. She is also very clear on the abundance life has offered her and wants others to have the same. Amanda's mission is to help individuals in a community work together to build confidence and wealth. Amanda says that we need to think like millionaires and learn to manage our cash flow. Reviewing how you spend your money and finding what brings us joy with spending can be a great exercise for shifting and learning to budget more effectively.  Amanda Neely is a CFP® (CERTIFIED FINANCIAL PLANNER™) professional and CEO of Wealth Wisdom Financial. She makes financial planning more accessible through podcasting, developing personalized financial strategies for individuals and couples, and profitability strategies for small businesses. She works virtually to help everyday Americans all over the United States to create smart, stable financial futures.Connect with Amanda here: - Youtube: https://www.youtube.com/c/wealthwisdomfinancial - Instagram: https://www.instagram.com/wealthwisdomfp/ - TikTok- Facebook- LinkedInSupport the showThank you for listening to our podcast. Visit our website Join our Facebook GroupInstagram, TikTok We love reviews! Please leave us a review.Contact us if you want to Launch, restart, grow your podcast.

Raquel Tennant, a Certified Financial Planner with 2050 Wealth Partners joins us to share her finance story and best money tips. She is the first in our Money Tips from a CFP (Certified Financial Planner) series. Raquel discusses her Jamaican and Panamanian roots. She shares how she transitioned from spending everything she earned to saving and investing in herself. She shares her journey from restaurant worker to Certified Financial Planner and drops so many financial tips throughout this episode. Be sure to listen to the end of the episode when Raquel shares what has been the biggest impact on her finances and how you can apply that same tactic to your situation. In This Episode We Discuss Raquel's finance journey from growing up as a first generation American and the impacts of this on her as an adult How to budget, track spending, and also support family financially without sacrificing your own How to remove the stigma from money conversations and Resources & Related Posts Connect with Raquel at 2050 Wealth Partners For additional resources, visit blackandbrownmakegreen.com/032 Sign up for the email list by visiting blackandbrownmakegreen.com/subscribe Disclaimer: Any discussion on our podcast is based on our opinions and personal life experiences. We offer information, not advice, and recommend you seek out a certified financial professional to discuss your personal finances or another professional for your needs. Read the full disclaimer here.

Student Loan Planner's very own Meagan Landress, CSLP®, and Sim Terwilliger, CFP®, CSLP®, sit down to discuss the differences between financial planners, financial coaches, and sales representatives. This is an important conversation that will give you more confidence and clarity when it comes to choosing the right professional to trust with your finances! In today's episode, you'll find out: How planners, coaches, and sales reps overlap, and where their roles differ What to consider when you're being marketed insurance products Why the CFP (Certified Financial Planner) is the gold standard designation to look for How these different professionals are compensated (ex. fee only, fiduciary, etc.) How to find an advisor that can specifically help you with your student loans Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

Episode 64 - Morgan N. Lawrence is a Financial Advisor for Thomas Financial, LLC. Ms. Lawrence is a 2018 West Virginia University graduate, receiving a B.S. in finance and a B.S. in accounting. Morgan has been with Thomas Financial since the firm opened in 2017 and has had a variety of roles within the organization, starting as a licensed administrator and eventually working her way up to full-time advisor. Morgan is currently working towards her CFP (Certified Financial Planner) accreditation, where she hopes to continue to help past, present, and future clients plan and achieve their financial goals. The reason she became an advisor, and her personal mission as a financial professional, involves the facilitation and cultivation of financial education and planning. She believes that the stark lack of personal finance education is the reason for the alarming statistics on the screen. With education comes knowledge, and with knowledge comes change. Morgan currently resides in Morgantown, WV, where she was raised. When not working, she enjoys spending time teaching and instructing dance classes, such as ballet or jazz. Morgan is currently an active board member of the local non-profit Morgantown Dance Studio, where she herself grew up training. Apart from Thomas Financial and Morgantown Dance, Ms. Lawrence enjoys relaxing and spending time with her beloved rescue dog, Marvin Luke, a four-year-old Pitbull/Lab mix. Learn More about Morgan here: Morgan Lawrence on LinkedIn WEALTH: Not getting enough clients? GO TO: www.CSIFG.com Book a FREE 15-minute Client Acquisition Consultation with Carter or one of his team members. HEALTH: Low on energy or overweight? Go to www.chemicalfreebody.com/enrichers and grab GREEN 85 Juice Formula or book a FREE 30-minute Health Strategy Session with Tim or one of his coaches.See omnystudio.com/listener for privacy information.

Welcome to another episode of the Conversations for Financial Professionals podcast where we are shaping the next generation of financial advice. Today we have Tanya Frias, CFP®, ChSNC® who is Chief Financial Planner at Freeman Capital and has over 20 years experience in Financial Services with 13 years as a Certified Financial Planner. As the head of all things financial planning, she is committed to providing access to financial planning to underserved communities and eliminating the racial wealth gap. Freeman Capital's #1 goal is to reverse the trend, ensuring our communities and future generations thrive. This is why we go farther than other financial companies and support you through all aspects of growing your net worth.   She is a graduate from City University of NY with a B.S. in Computer Information Systems and has completed the CFPⓇ(Certified Financial Planner) certification program at NYU and the ChSNC (Chartered Special Needs Consultant) certification program at the American College. Tanya will be attending Kellogg-Northwestern's Executive MBA program in Fall 2022. Tanya lives in NYC and spends her free time hanging out with the world's coolest 10-year-old, Zackary.   In our discussion we talked about:  

Welcome back to Don't Retire... Graduate! We have a very fun episode today and couldn't be more excited to have Emily Guy Birken here. She is a lifelong money nerd, award-winning writer, and the co-author of STACKED: Your Super Serious Guide to Modern Money Management, written with longtime DRG friend, Joe Saul-Sehy. Emily joined us to talk about how to look at your money like a game of Tetris, the way gamification can be a powerful tool for change, and, of course, to set the record for the number of times “hemorrhoid” has ever been said on this show.  In this episode we'll talk about: • Emily's goals for every day • How to see your finances as a Tetris game and use it to help with budgeting  • How an emergency fund is the Easy Spin of budgeting  • Taking control of your money rather than seeing it as something out of your control • Gamification of money and when it is good versus when it can be harmful • The mental activation that comes with gamification and identifying what behavior is being rewarded  • Hiring an advisor who won't bleed you dry and the three questions you should ask a financial advisor   • How to know if your advisor is actively doing the work to help you meet your goals and recognize your money values • Why you want an advisor who works with people similar to you •  Paying attention to professional designations and understanding the regulations and standards that come with them • Why a CFP (Certified Financial Planner) is the gold standard of financial advisors • Understanding what an advisor does for his/her clients • Who the perfect Stacked reader is • Emily's retirement readiness checklist and the things you should be thinking about to be ready to retire • Identifying one good thing everyday    No Stacking Benjamins hosts were harmed in the making of this episode.  Visit dontretiregraduate.com for a full transcript of this episode. Download Emily's Retirement Readiness Checklist at emilyguybirken.com/DRG About Emily Guy Birken Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.   She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.    Emily lives in Milwaukee with her family.  www.emilyguybirken.com Facebook: Emily Guy Birken Twitter: @EmilyGuyBirken Instagram: @EmilyGuyBirken  LinkedIn: Emily Guy Birken

It's hard to believe Amy and Jag have been doing this podcast for two and a half years!  We've spent countless episodes talking about your financial future, and the psychology behind investing.Today, we wanted to take a moment to introduce the Thimbleberry Financial team, and how they will work with you to manage your money.Amy and her team focus on six core values.  She explains what each means and translates to.IntegrityPersonalPredictableSimplicityFocusedControlWhile not intentionally created this way, the Thimbleberry team is all female.  It starts with Amy as the advisor (although we will have a second taking her CFP exam soon).  As the firm grows, we will develop service teams to deal with clients in specific sectors, including a paraplanner, operations specialist, and of course our office manager. This will enable us to super-serve our clients, while not overwhelming them with too many people to talk to.   We meet almost all our clients virtually and that will likely continue. As a CFP (Certified Financial Planner), Amy also is held to a fiduciary standard and must act in the best interest of her clients.  She clears up some confusion around this term and explains what it means for you.Finally, Jag asks a question that's been on his mind for the last 30 months.  Where did the name Thimbleberry Financial come from?  You'll like Amy's answer.For questions about  anything related to your financial future, reach Amy Walls and her team at Thimbleberry Financial at (503) 610-6510, or on the web at https://thimbleberryfinancial.com/

No episódio de hoje, a gente volta a descomplicar a vida financeira. Só eu não consigo guardar dinheiro? Qual o melhor jeito para guardar agora que o Banco Central elevou novamente a Taxa Básica de Juros? A Letícia Camargo, planejadora financeira certificada pela CFP (Certified Financial Planner), nos ajuda a descomplicar.

After a short apprenticeship, Christopher Blair founded Blair Financial Planning in 1995 to offer comprehensive financial planning and investment services to Clients in Colorado. Since then, he has grown the firm to include Clients in several states including New Mexico, Kansas, California, Oregon and Washington. He renamed the firm Maestro Associates in 2017 to better reflect the firm's planning advantage and core values.At Maestro Associates, Chris helps his Clients plan for and attain their financial goals, whether it be buying a new car, managing a large real estate portfolio, or preparing for financial independence. His philosophy focuses on understanding Clients' values, goals, and emotional needs in order to produce a comprehensive and effective financial plan.Chris Blair received a Bachelor of Arts Degree from Whitman College in 1990. In 1993, he received both a Juris Doctor and Masters in Business Administration from the University of Denver. Chris attained the CFP (Certified Financial Planner) designation in 2007. He holds FINRA Series 6, 7, 24, 26, 63 and 65 licenses. He also maintains Life, Heath and Annuity licenses in the state of Colorado and numerous other states.Chris is married to Manisha Blair and, together, they have two children, Anand and Sonali. Chris enjoys hiking with his family, travel, reading, and watching soccer and volleyball.Learn More: https://www.maestro-associates.com/ All Securities are Offered Through Money Concepts Capital Corp., Member FINRA/SIPC. Money Concepts Advisory Service is a Registered Investment Advisor with the SEC.Maestro Associates is an independent firm not affiliated with Money Concepts Capital Corp 11440 North Jog Road, Palm Beach Gardens, FL 33418. 561-472-2000.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-blair-founder-of-maestro-associates-a-denver-flat-fee-financial-planning-firm-discussing-the-common-issues-with-estate-planning

After a short apprenticeship, Christopher Blair founded Blair Financial Planning in 1995 to offer comprehensive financial planning and investment services to Clients in Colorado. Since then, he has grown the firm to include Clients in several states including New Mexico, Kansas, California, Oregon and Washington. He renamed the firm Maestro Associates in 2017 to better reflect the firm's planning advantage and core values.At Maestro Associates, Chris helps his Clients plan for and attain their financial goals, whether it be buying a new car, managing a large real estate portfolio, or preparing for financial independence. His philosophy focuses on understanding Clients' values, goals, and emotional needs in order to produce a comprehensive and effective financial plan.Chris Blair received a Bachelor of Arts Degree from Whitman College in 1990. In 1993, he received both a Juris Doctor and Masters in Business Administration from the University of Denver. Chris attained the CFP (Certified Financial Planner) designation in 2007. He holds FINRA Series 6, 7, 24, 26, 63 and 65 licenses. He also maintains Life, Heath and Annuity licenses in the state of Colorado and numerous other states.Chris is married to Manisha Blair and, together, they have two children, Anand and Sonali. Chris enjoys hiking with his family, travel, reading, and watching soccer and volleyball.Learn More: https://www.maestro-associates.com/ All Securities are Offered Through Money Concepts Capital Corp., Member FINRA/SIPC. Money Concepts Advisory Service is a Registered Investment Advisor with the SEC.Maestro Associates is an independent firm not affiliated with Money Concepts Capital Corp 11440 North Jog Road, Palm Beach Gardens, FL 33418. 561-472-2000.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-blair-founder-of-maestro-associates-a-denver-flat-fee-financial-planning-firm-discussing-the-common-issues-with-estate-planning

After a short apprenticeship, Christopher Blair founded Blair Financial Planning in 1995 to offer comprehensive financial planning and investment services to Clients in Colorado. Since then, he has grown the firm to include Clients in several states including New Mexico, Kansas, California, Oregon and Washington. He renamed the firm Maestro Associates in 2017 to better reflect the firm's planning advantage and core values.At Maestro Associates, Chris helps his clients plan for and attain their financial goals, whether it be buying a new car, managing a large real estate portfolio, or preparing for financial independence. His philosophy focuses on understanding Clients' values, goals, and emotional needs in order to produce a comprehensive and effective financial plan.Chris Blair received a Bachelor of Arts Degree from Whitman College in 1990. In 1993, he received both a Juris Doctor and Masters in Business Administration from the University of Denver. Chris attained the CFP (Certified Financial Planner) designation in 2007. He holds FINRA Series 6, 7, 24, 26, 63 and 65 licenses. He also maintains Life, Heath and Annuity licenses in the state of Colorado and numerous other states.Chris is married to Manisha Blair and, together, they have two children, Anand and Sonali. Chris enjoys hiking with his family, travel, reading, and watching soccer and volleyball.Learn More: https://www.maestro-associates.com/ All Securities are Offered Through Money Concepts Capital Corp., Member FINRA/SIPC. Money Concepts Advisory Service is a Registered Investment Advisor with the SEC.Maestro Associates is an independent firm not affiliated with Money Concepts Capital Corp 11440 North Jog Road, Palm Beach Gardens, FL 33418. 561-472-2000.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-blair-founder-of-maestro-associates-a-denver-flat-fee-financial-planning-firm-discussing-the-benefit-to-transparency-of-flat-fees

After a short apprenticeship, Christopher Blair founded Blair Financial Planning in 1995 to offer comprehensive financial planning and investment services to Clients in Colorado. Since then, he has grown the firm to include Clients in several states including New Mexico, Kansas, California, Oregon and Washington. He renamed the firm Maestro Associates in 2017 to better reflect the firm's planning advantage and core values.At Maestro Associates, Chris helps his clients plan for and attain their financial goals, whether it be buying a new car, managing a large real estate portfolio, or preparing for financial independence. His philosophy focuses on understanding Clients' values, goals, and emotional needs in order to produce a comprehensive and effective financial plan.Chris Blair received a Bachelor of Arts Degree from Whitman College in 1990. In 1993, he received both a Juris Doctor and Masters in Business Administration from the University of Denver. Chris attained the CFP (Certified Financial Planner) designation in 2007. He holds FINRA Series 6, 7, 24, 26, 63 and 65 licenses. He also maintains Life, Heath and Annuity licenses in the state of Colorado and numerous other states.Chris is married to Manisha Blair and, together, they have two children, Anand and Sonali. Chris enjoys hiking with his family, travel, reading, and watching soccer and volleyball.Learn More: https://www.maestro-associates.com/ All Securities are Offered Through Money Concepts Capital Corp., Member FINRA/SIPC. Money Concepts Advisory Service is a Registered Investment Advisor with the SEC.Maestro Associates is an independent firm not affiliated with Money Concepts Capital Corp 11440 North Jog Road, Palm Beach Gardens, FL 33418. 561-472-2000.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-blair-founder-of-maestro-associates-a-denver-flat-fee-financial-planning-firm-discussing-the-benefit-to-transparency-of-flat-fees

After a short apprenticeship, Christopher Blair founded Blair Financial Planning in 1995 to offer comprehensive financial planning and investment services to Clients in Colorado. Since then, he has grown the firm to include Clients in several states including New Mexico, Kansas, California, Oregon and Washington. He renamed the firm Maestro Associates in 2017 to better reflect the firm's planning advantage and core values.At Maestro Associates, Chris helps his clients plan for and attain their financial goals, whether it be buying a new car, managing a large real estate portfolio, or preparing for financial independence. His philosophy focuses on understanding Clients' values, goals, and emotional needs in order to produce a comprehensive and effective financial plan.Chris Blair received a Bachelor of Arts Degree from Whitman College in 1990. In 1993, he received both a Juris Doctor and Masters in Business Administration from the University of Denver. Chris attained the CFP (Certified Financial Planner) designation in 2007. He holds FINRA Series 6, 7, 24, 26, 63 and 65 licenses. He also maintains Life, Heath and Annuity licenses in the state of Colorado and numerous other states.Chris is married to Manisha Blair and, together, they have two children, Anand and Sonali. Chris enjoys hiking with his family, travel, reading, and watching soccer and volleyball.Learn More: https://www.maestro-associates.com/ All Securities are Offered Through Money Concepts Capital Corp., Member FINRA/SIPC. Money Concepts Advisory Service is a Registered Investment Advisor with the SEC.Maestro Associates is an independent firm not affiliated with Money Concepts Capital Corp 11440 North Jog Road, Palm Beach Gardens, FL 33418. 561-472-2000.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-blair-founder-of-maestro-associates-a-denver-flat-fee-financial-planning-firm-discussing-owning-income-real-estate

After a short apprenticeship, Christopher Blair founded Blair Financial Planning in 1995 to offer comprehensive financial planning and investment services to Clients in Colorado. Since then, he has grown the firm to include Clients in several states including New Mexico, Kansas, California, Oregon and Washington. He renamed the firm Maestro Associates in 2017 to better reflect the firm's planning advantage and core values.At Maestro Associates, Chris helps his clients plan for and attain their financial goals, whether it be buying a new car, managing a large real estate portfolio, or preparing for financial independence. His philosophy focuses on understanding Clients' values, goals, and emotional needs in order to produce a comprehensive and effective financial plan.Chris Blair received a Bachelor of Arts Degree from Whitman College in 1990. In 1993, he received both a Juris Doctor and Masters in Business Administration from the University of Denver. Chris attained the CFP (Certified Financial Planner) designation in 2007. He holds FINRA Series 6, 7, 24, 26, 63 and 65 licenses. He also maintains Life, Heath and Annuity licenses in the state of Colorado and numerous other states.Chris is married to Manisha Blair and, together, they have two children, Anand and Sonali. Chris enjoys hiking with his family, travel, reading, and watching soccer and volleyball.Learn More: https://www.maestro-associates.com/ All Securities are Offered Through Money Concepts Capital Corp., Member FINRA/SIPC. Money Concepts Advisory Service is a Registered Investment Advisor with the SEC.Maestro Associates is an independent firm not affiliated with Money Concepts Capital Corp 11440 North Jog Road, Palm Beach Gardens, FL 33418. 561-472-2000.Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-blair-founder-of-maestro-associates-a-denver-flat-fee-financial-planning-firm-discussing-owning-income-real-estate

Anders Jones, co-founder and CEO of Facet Wealth, joins the show with Scott Kitun. Facet Wealth is a fintech company offering personalized financial advice and wealth management services. Today, Facet announced a $100 million  Series C round led by Durable Capital Partners LP  to fuel its growth with users, team and tech suite. Through a combination of proprietary tech and access to CFP (Certified Financial Planner) professionals, Facet wants to serve an underserved market of 40 million American households with an affordable subscription model (as opposed to AUM-based fees). Anders talks to Scott about securing the Series C and how he and his cofounders came up with the idea helping their mothers he likes to call "The Tale of the Three Mothers". Scott and Anders talk about changing the standards of financial literacy in the US, changing public perceptions around debt (it CAN be a tool) and offering more sophisticated financial advice than retail investors are privy to through apps like Acorns. They also touch on the rise of meme stocks, the future of retail investing and why fintech companies like Facet have the opportunity to serve underserved populations differently. 

In this week's episode, I talk with Phil Huber, the Chief Investment Officer at Savant Wealth Management and author of the new book The Allocator's Edge. This episode does not include financial advice.* Rather, we talk about the advice Phil gives other people about their finances and the book he wrote about financial advice. We begin the episode with a discussion about financial advising and what goes into becoming a CFA (Chartered Financial Analyst) and a CFP (Certified Financial Planner). We also talk about how it's important to find the right financial advisor as a person's financial life becomes more complex. I ask Phil if any of his clients ever ask if he can YOLO them so hard with investing, and he discusses advisors' business of growing and preserving wealth responsibly. Phil's new book focuses on alternative investments, and he gave us a glimpse of what those investments are. He demonstrates how diversifying clients' portfolios help manage risk. Phil explains catastrophe reinsurance, and we discuss the recent proliferation of alternative investing apps and platforms and how barriers are being broken down to previously inaccessible asset classes for average investors.   Any conversation involving alternative investments would in one way or another, end up with crypto. Phil talks about how advisors are trying to navigate crypto and the current difficulties of incorporating it into clients' investment portfolios as well as possibilities for its inclusion in the future. We end the episode talking about the process of writing a book and how it differs from blogging. Phil wrote The Allocator's Edge for himself ten years ago. By reading his book, Phil believes that investors can become more comfortable discussing and using alternative assets.   Links:    The Allocator's Edge by Phil Huber - https://amzn.to/3m1tu1d   Savant Wealth Management - https://savantwealth.com/    Phil Huber's Twitter: https://twitter.com/bpsandpieces  Topics:   (2:12) - What do you learn as a CFA?   (4:30) - Is there value in normal people getting a CFP or CFA just to make them more stable in their financial knowledge?   (5:35) - At what point does having a financial planner become a necessity?   (7:18) - How are you sure that you're bringing on a competent financial advisor?   (9:18) - How much range is there in the recommendations you give a client or what you specialize in with your practice?   (17:36) - “Diversification preserves wealth, but focus creates it.” Do you see this statement as true with the clients you work with?   (21:43) - How do you hammer home the concept of increasing a client's savings rate?   (25:07) - How do you prepare to be level-headed through times when facing the fears of clients?   (29:00) - The Allocator's Edge    (39:30) - A discussion on Inflation   (42:05) - Catastrophe reinsurance   (46:11) - Accessibility to the average investor   (50:25) - Cryptocurrency   (1:00:42) - Is there a missing product that needs to be built for more mainstream crypto adoption?   (1:06:37) - How does blogging compare to writing a book?   (1:09:11) - How long have you been working on this book?   (1:15:15) - What are the prerequisites to reading this book?   (1:17:57) - What is the ‘Yolo' portfolio?   (1:19:36) - Wrap Up Additional Episodes If You Enjoyed: Mitchell Baldridge: Defeating Taxes, Crypto & Financial Planning   Jason Hitchcock: Your Guide to Web3 (DeFi, NFTs, and The Metaverse)   David Perell: Intellectual Openness & Mental Models for Success   If you want to support the podcast, here are a few ways you can:  >> Buy a copy of the Navalmanak: www.navalmanack.com/  >> Share the podcast with your friends and on social media  >> Give the podcast a positive review to help us reach new listeners  >> Make a weekly, monthly, or one-time donation: https://app.omella.com/o/9Bufa  >> Follow me on Twitter: @ericjorgenson >> Learn more and sign up for the “Building a Mountain of Levers” course and community: https://www.ejorgenson.com/leverage  I appreciate your support!     Important quotes from Naval on building wealth and the difference between wealth and money:   How to get rich without getting lucky. - Naval Ravikant   Making money is not a thing you do—it's a skill you learn. - Naval Ravikant   I came up with the principles in my tweetstorm (below) for myself when I was really young, around thirteen or fourteen. I've been carrying them in my head for thirty years, and I've been living them. Over time (sadly or fortunately), the thing I got really good at was looking at businesses and figuring out the point of maximum leverage to actually create wealth and capture some of that created wealth. - Naval Ravikant   Seek wealth, not money or status. - Naval Ravikant   Wealth is having assets that earn while you sleep. - Naval Ravikant   Money is how we transfer time and wealth. - Naval Ravikant   Ignore people playing status games. They gain status by attacking people playing wealth creation games.    You're not going to get rich renting out your time. You must own equity—a piece of a business—to gain your financial freedom.  - Naval Ravikant   The most important skill for getting rich is becoming a perpetual learner. You have to know how to learn anything you want to learn. The old model of making money is going to school for four years, getting your degree, and working as a professional for thirty years. But things change fast now. Now, you have to come up to speed on a new profession within nine months, and it's obsolete four years later. But within those three productive years, you can get very wealthy. - Naval Ravikant     Important quotes from the podcast by Naval on Leverage:   “Give me a lever long enough and a place to stand, and I will move the earth.”  —Archimedes    To get rich, you need leverage. Leverage comes in labor, comes in capital, or it can come through code or media. But most of these, like labor and capital, people have to give to you. For labor, somebody has to follow you. For capital, somebody has to give you money, assets to manage, or machines. - Naval Ravikant   Fortunes require leverage. Business leverage comes from capital, people, and products with no marginal cost of replication (code and media). - Naval Ravikant   Capital and labor are permissioned leverage. Everyone is chasing capital, but someone has to give it to you. Everyone is trying to lead, but someone has to follow you. - Naval Ravikant   Code and media are permissionless leverage. They're the leverage behind the newly rich. You can create software and media that works for you while you sleep. - Naval Ravikant   If you can't code, write books and blogs, record videos and podcasts. - Naval Ravikant   Leverage is a force multiplier for your judgment. - Naval Ravikant   Apply specific knowledge, with leverage, and eventually you will get what you deserve. - Naval Ravikant   “We live in an age of infinite leverage, and the economic rewards for genuine intellectual curiosity have never been higher. Following your genuine intellectual curiosity is a better foundation for a career than following whatever is making money right now.” - Naval Ravikant   Important Quotes from the podcast on Business and Entrepreneurship   There is no skill called “business.” Avoid business magazines and business classes. - Naval Ravikant   You have to work up to the point where you can own equity in a business. You could own equity as a small shareholder where you bought stock. You could also own it as an owner where you started the company. Ownership is really important.     Everybody who really makes money at some point owns a piece of a product, a business, or some IP. That can be through stock options if you work at a tech company. That's a fine way to start.    But usually, the real wealth is created by starting your own companies or even by investing. In an investment firm, they're buying equity. These are the routes to wealth. It doesn't come through the hours. - Naval Ravikant

Mark Willis, is a CFP® / CERTIFIED FINANCIAL PLANNER - who works with people who want to build real wealth and become financially set for life. He can help you Bank On Yourself! Website: http://nyafinancialpodcast.com/ YouTube: https://www.youtube.com/channel/UCw-DvhKT2EaPFdncLy39LIQ LinkedIn: https://www.linkedin.com/company/lakegrowth Instagram: https://www.instagram.com/notyouraveragefinancial/ Facebook: https://www.facebook.com/lakegrowth Twitter: https://www.twitter.com/lakegrowth CallumConnects Micro-Podcast is your daily dose of wholesome entrepreneurial inspiration. Hear from many different entrepreneurs in just 5 minutes what hurdles they have faced, how they overcame them, and what their key learning is. Be inspired, subscribe, leave a comment, go and change the world! Every entrepreneur featured has been recommended by one of our previous guests. www.CallumLaing.com

EP 57 Continuing Education for Insurance Professionals. I know, it's a boring topic, but I hope to get you thinking outside the box today. Many of you listening might already be doing this, but let's get more people heading this direction. Welcome to another episode of the Business of insurance podcast My name is Debbie DeChambeau, I'm the host of this podcast, I'm an entrepreneurer, business advisor, insurance professional  and content creator. I want to inspire you to think differently and explore ideas that disrupt the status quo.  Todays episode is for everyone in the insurance industry, but if you are dealing with clients or helping to train insurance agents, this episode is especially for you.  You see, getting into the insurance industry is fairly easy. You take a test, get licensed with a carrier or broker and start selling or working.  Most people say the license test doesn't really cover what is needed for the types of policies you will offer as an agent. In my opinion, that statement is 100% correct. It just covers the basics and even covers some things that many of us will never use in our insurance career. But we need to know them for the test. Once you get licensed in the insurance industry, you need to update your license every year or two or three, depending on the state you are in. For many people, they just go online, find a course that they can get the proper number of hours and are done with it until next time. It's an afterthought for many, just doing what they have to do to get by.  We are all busy, I get it.  In addition to barely getting annual CE's in, there are many licensed agents that don't have a dual license, they only have the original license. For example ….. someone that started with a life and health license never gets the property and casualty license. Do they need to???? NO!  But here's why I think it's important to have both. You need to position yourself as an advisor to your clients, not think of yourself as a sales person. The insurance industry has a bad reputation, and in some ways well deserved. It's too easy to get in to the business….but if you are in the business to do the right thing for your clients and not just make a sale, then you will position yourself as an advisor, a risk manager. Someone that is looking at all aspects of insurance protection so that your clients understand their options. If you only have one license, it can make it hard to expand your conversation.  It's hard to position yourself as an advisor because you don't know what you don't know. Just like your clients don't know what they don't know. With the internet, people have the opportunity to learn more, but there's also a lot of misinformation on the internet and it's our job to help our clients understand. That's what we get paid for!  A lot of people get their licenses and then consider themselves an independent agent and open their business doors. The licensing class is what they have to run their business! Minimal product training…., minimal industry training...minimal business training. There's a big learning curve in the industry and most people don't realize that until they are in the middle of it.  While it sounds so great to be on your own, working alone adds additional challenges to learning the technical components of the industry in addition to learning how to be a business owner. It becomes a ‘hope and pray strategy' that they are doing things correctly. In the back of their mind they know they have E&O and think they are good. For this reason, I think it's important that you expand your education and think about getting some additional certifications such as  CIC, CPCU or CRM on the property and casualty side to a CLU, CHFC or even a CFP for those with a life and health license. BREAKDOWN OF DESIGNATIONS:  CIC - Certified Insurance Counselor - geared towards the property and casualty independent side - takes a dive into policy forms and provides a lot of real life examples CPCU - Certified Property and Casualty Underwriter - like the name says, it's geared towards the property and casualty side - has historically been pushed on the carrier sde, particularly for underwriters CRM - Certified Risk Manager - there's a version for commercial and a version for personal lines. I think we could all benefit from understanding risk management.  CLU - Chartered Life Underwriter - it's the life/health equivalent of the CPCU CHFC Chartered Financial Consultant - geared towards financial consultants who are more on the life and health side - CFP - Certified Financial Planner - also geared towards financial planners  but more on the investment side - encouraging them to take a risk management approach for helping their clients, not just focusing on investments. My husband obtained his CFP shortly after 9/11. It was a time when the market was down and a lot of people didn't want to talk about investments, so I actually encouraged him to pursue it because I knew the value long term of how it could help him. While I didn't get the Cruts and Crats portion, I did review the property and casualty portion and could see it was in-depth and valuable. This is showing my geeky side, but I really enjoyed doing some of the reviews with him as I learned a lot for my own practice. This is a high level overview of some of the designations. Do some research to see what makes the most sense for your career. There are many other designations, and new ones are popping up all the time - for example, the CPIA which is the Certified Professional Insurance Agent which is for all agents, and focuses on sales processes, ethics and marketing using insurance as the platform. I earned the CPIA designation about 4 years ago and CiC designation  more than 25 years ago…. With the CIC designation, I have to complete a minimum of 16 hours a year doing an approved update so that I can keep using the designation. Yes, every year I have to update my designation by taking 16 hours through programs with the The National Alliance which is the organization that manages the CIC, CRM and many other designations. For this particular designation, you have to do the update before your birthday each year. I always try to take the sessions that are new, trendy, innovative, because a lot of them are the same and are repeated frequently.. For example, I was fascinated by cyber liability sessions back in the mid 2000's. Not enough businesses have cyber liability today and in light of recent hackings, they are probably more aware of it now than ever. So those people that paid attention to cyber liability years ago should be crushing it now! That combined with a good risk management strategy can open a lot of doors and set agents apart from the pack. In a recent CIC update, I took the medicare and medicaid session. Now,I've done that many times. I admire the instructor a lot. I took a session with him back in 2012 or 2013 and he blew me away. It was right  after the Affordable Care Act had been passed and he read the 2000 plus  pages of the document and taught us what we needed to know. We were talking about aspects of the ACT  before anyone. I digress…..The recent sessions I took were around medicare/medicaid and long term care and different uses of life insurance. I've taken several of this type of session many times over the years and I always learn something new. For example, this time I learned about the new hybrid life and long term care policies. Yes, insurance companies have finally figured it out!  What I always find interesting in these sessions is how many property and casualty agents know very little about life and health. These are agents that have been around for awhile. Many of them do this particular session because they are thinking about retiring in a few years and feel like it's time to start learning.  Think of all the missed risk management opportunities with their clients because they didn't know what they needed to know. Now, I would guess the same would apply to a life and health person sitting in on a property and casualty class but it's like the hands are in front of their face saying, no, I don't want to know about this. It's too overwhelming and my brain can't handle it! I'm not saying you need to be an expert...because I do believe in focusing on one area. But you need to know a little bit...you need to know enough to ask a few questions that could lead to an introduction to someone on your team.  Imagine writing car insurance for someone for 10 years and in year 11 they passed away. They left behind a wife and 3 children under 10…..and no life insurance. You talked to them every year updating their car information but because you focused on car insurance, you never asked them about life insurance. You were their trusted advisor……. In this scenario, you probably wouldn't get sued for not asking about life insurance, but there are circumstances that if you don't address certain issues, and then there is a loss, you could get sued.  As an insurance professional, it is to your benefit to position yourself as a trusted advisor. To take the sales notion out of it and make sure your client is aware of what insurance products are available to protect them. It's important for them to know what is not covered, just as much as it is important for them to know what is covered.  Don't make any assumptions.  I also offer this from first hand experience. You see my sister passed away at the young age of 36. She wasn't sick, she just didn't wake up one morning. She left behind 4 children. One under 5, one under 10 and 2 teenagers. She stayed home and did daycare. Her husband worked but they counted on her income as well. Plus, her staying home meant they didn't have any daycare expenses. When she passed, there was no life insurance. Financially, he was devastated. He lost her in come and had to pay for daycare, so it was almost a double whammy from the financial perspective. I was / am an insurance agent. I never talked to them about life insurance because I focused on commercial insurance. Losing a sibling is hard. Knowing that I never asked an important question is harder! Had I had the conversation, how different might their lives have been if there was some insurance to help them out? A lot of times people don't want to talk about other lines of insurance because they feel like it's sales, but the more you know the more you realize that asking the questions builds trust, it positions you as more of a professional than an order taker and someone selling insurance. We need to work on that mindset.  There are some people who have so many designations, you have to wonder if they ever work. While it is impressive, without a doubt and in my opinion they are probably 10 times more knowledgeable than I am, it's hard to be away from the office doing all of these classes to earn the designations!!  But having one or two designations, particularly the right ones, can make you so much more valuable to your clients and set you apart from other agents. I'm not a big fan of actually touting the fact that you have a designation but the knowledge that it provides you will definitely pay off. The insurance designation organizations haven't done a great job educating the public to look for professionals with these designations. The CFP designation is advertised regularly and most people who are looking for a financial advisor are aware to look for someone with that designation.  There are other ways to get an education in this industry. Self study, on the job training, having a mentor and through networking. I don't think that enough organizations have what I like to call focused networking and that's part of the piece that's missing. I few years ago I attended a conference for IAIP. I interviewed several attendees for the podcast and you can hear the conversations in earlier episodes. This is an organization that has been around for awhile but recently rebranded to be more inclusive. It's the International Association for Insurance Professionals, formerly known as NAIW, National Association for Insurance Women. Now, I'll be honest, I'm not a member and when I went to an NAIW meeting many years ago, I felt like the youngest person in the room and I know I wasn't the youngest at the recent event I attended. But, I could see how people might feel that way.  Yet because of the age difference, it might keep people away if there isn't an ongoing effort to bring in young people into the organization and make them feel welcome. But getting involved in an organization like this is a great way to meet people with experience, people that can answer questions and help you build your career. I would encourage you to be a part of at least one insurance organization to meet your peers. Those friendships will be invaluable.  So to recap, consider advancing your career by obtaining a designation or two, instead of just doing CE's to get them out of the way!  Position yourself as an advisor, ask questions like a risk manager and talk about what isn't covered so that people understand their risks. Get involved in an insurance organization. Not with the intent of getting business, although that could happen, but this industry needs professionals and that's what is promoted in insurance focused organizations. That wraps up the conversation about continuing education but I want to spend a minute to talk about marketing. What are you doing to stay in front of your clients and prospects? If you haven't done so already, check out insurancemailboxpower.com. You see, being top of mind is essential. Yes, you can send an email which is probably more cost effective, but you have to deal with spam, being part of 100's of emails that people receive each week and staying compliant with the Can Spam Act. You can stand out today by sending things to the mail box. A post card, a birthday card or even a be different and send a half birthday card. Not many people are doing that today! Check out insurancemailboxpower.com. And see how you can make a difference in your marketing! Tell them Debbie DeChambeau sent you! Thank you for listening to this episode of the business of insurance podcast. SHOW THE LOVE If you haven't done so already, please follow, like or subscribe to this podcast on your favorite podcast player. We are on all of the platforms including spotify, IheartRadio and Apple podcasts. If you are listening to this podcast online and don't know how to listen to podcasts on your phone, reach out to our host, Debbie DeChambeau and she'll help you. SPONSOR This episode of the Business of Insurance Podcast is sponsored by Insurancemailboxpower.com Stay top of mind with your clients and referral partners by landing in their mailbox, not their inbox where you might get lost in email jail! CONNECT WITH THE PODCAST ON SOCIAL FACEBOOK GROUP FACEBOOK PAGE TWITTER ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneurer, business advisor, insurance professional  and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo.  Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful.  She is the co-author of Renewable Referrals and produces three other podcasts, Business In Real Life and Divorce Exposed and Seniors We Love.   Connect with Debbie on LinkedIn, Twitter or Instagram. 

Those seeking financial literacy may reach out to a professional such as an AFC(Accredited Financial Counselor such as myself), a CFP (Certified Financial Planner) or another licensed professional. Others may get their information from a seemingly trusted source, or even the internet. Then there's the group that loves to read. In this episode I review the popular personal finance book "Simple Path to Wealth" by J. L. Collins, Mr. Money Mustache. I share some of the debt reducing guidelines he provides, what you "should" do in a Bear market, and an interesting way to consider using Target Date Retirement Funds. 

In this episode, I speak with Certified Financial Educator and writer, Eugenié George on women's financial wellness. Eugenié offers a new perspective on finances that embraces ancestry, race, gender, wellness, and mental health.Eugenié offers advice to women who want to move forward in a healthy relationship with their money. She provides practical ideas as to how to address the gender and racial inequities with our current earnings.In this episode, you will learn: How our physical and mental wellness affects our financial wellbeing. Why it's important to get in touch with our past in order to move forward with our money. How we change the tradition of silence around women and money. What we can do to disrupt the financial inequality that exists in race and gender. Advice to women who are struggling with their own financial wellness.About Eugenié George: Eugenié George is a financial wellness specialist and educator, who attributes her success in personal finance from creating an unorthodox way of viewing money. She has always enjoyed money, history, and mental health. Eugenié is a Certified Financial Educator and has an MBA with an emphasis in finance from South University. She is taking the CFP® (Certified Financial Planner) exam — in November 2021.From paying off student loans to navigating her family financial situation, Eugenié understands the old method of wealth building doesn't work for Women of Color. She has created the Money and Flow podcast, where cash and vinyasa flows meet. The Money and Flow podcast is the first podcast that talks about how money stories, looking at an ancestral lens, can help activate a financial wellness plan. She is the Author of Our Money Stories, A Six Week No B.S. Holistic Financial Wellness Plan. Eugenié lives with her  fiance´and two bonus kids in Philadelphia. Connect with Eugenié George: Website: https://eugeniegeorge.comOur Money Stories: https://www.amazon.ca/Our-Money-Stories-Holistic-Financial-ebook/dp/B084GY66HYThe Money and flow Podcast: https://eugeniegeorge.com/podcast

Dan Harrison is a proud father to his 2 year old daughter and is also an ex Financial Advisor turned course creator and online business mentor who specializes in authentic selling, relationship-based marketing and transformational leadership. Before building and selling his digital financial planning practice and then becoming a 6-figure course creator he was a financial advisor for 13 years. He worked with some of the largest asset managers in Canada and has sold and earned millions of dollars as a CFP® (Certified Financial Planner) and trained hundreds of financial advisors in sales, marketing and leadership. In this episode we dive into: How the “provider” role got activated when Dan was becoming a father and what this meant to him. The two most important steps you can take if “financial stress” is present for you. The most overlooked skills and attributes when it comes to successful business owners. Making sure our goals are aligned with our deepest values as a family. The key to balancing time working on his business and time as a present father. So much more…. CONNECT WITH DAN: Website: https://www.danharrisonconsulting.com/ Instagram: @intuitiveentrepreneur CONNECT WITH US: Join a group of like-minded and like-hearted men in the PFP Community: https://www.facebook.com/groups/1658359171033082 Connect with us on instagram: Present Father Project: https://www.instagram.com/presentfatherproject/ Tully O'Connor: https://www.instagram.com/tullyoconnor/ Show Notes: 3:30 What does fatherhood look like? 4:50 Transition to becoming a dad 9:25 Did money mindset change? 14:20 How does Dan navigate different areas of life? 21 Where to start with financial stress? 33 How Dan works with people 42:30 Reframing goals and removing the timeline 48:40 Conditioning around money 54 How has Dan become a present father? 57 Fundamental missing financial piece 1:03 What does it mean to be a present father?

“Probably the most common problem is that people simply don’t have any plan at all. If you ask someone what is their net worth, and if they know how much they need to accumulate before they can retire, sometimes the person can’t answer these simple questions.” - Echo Huang Today’s Brave By Design expert guest is on a mission to let people know that wealth management isn’t just for the wealthy. You don’t have to be wealthy to start managing wealth, and you can start growing it right now from where you stand. However it will take a solid plan, which she shares more about on this episode. Echo Huang is a financial planner with CFP® (Certified Financial Planner) designation and over 25 years of experience in the financial services and accounting industries. She helps executives and entrepreneurs in Minneapolis and St. Paul take the complexity out of their personal and business finances. Born and raised in China, she came to the United States with $800 in her pocket in hopes of pursuing – and achieving – the American dream. Through higher learning, continued education, and hard work, she gained valuable experience and extensive knowledge about wealth management, investment strategies, and tax planning. After years of working as an accountant, a financial advisor and partnering with other financial firms, she founded Echo Wealth Management in 2015. Echo is the author of Own Your Future: One Woman’s Story of Immigration and Financial Freedom.As Echo states in this episode, she wants to be a financial guru for many people, even if she cannot serve as a financial advisor for every person. I think you’re going to learn so much from the financial tips and advice she gives in this informative conversation, which is why I’m so excited to share it with you today. Connect with Echo: http://ownyourfuture.guru/Remember to hit SUBSCRIBE wherever you listen to podcasts! What You’ll Hear In This Episode: Echo's own story of growing up, and how she became a success in the field of finance [4:44]The ways in which she grew from the confidence set before her by her mother [13:05]What the motivation was for Echo to write her book, Own Your Future [18:39]What she considers to be the four major problems people often have when planning for their financial future [21:06]Additional Links & Resources: Get Echo’s Book, Own Your Future Connect with Her on LinkedInEcho’s Facebook, Twitter & InstagramSupport the show (https://www.paypal.me/bravebydesign)

Michael Kalscheur, CFP (Certified Financial Planner) of Castle Wealth Advisors was the guest expert as we discussed the transition of a business from the current owner to a partner, child, employee, a competitor, or outside individual. Michael commented on 'add ons' and how to prepare your business for the sale. He explained how far in advance you should be making the plans to transition out of the business. This was an awesome hour with a lot of information being shared.

What does someone do that is in the top 1% of their profession, has successfully built and sold a company (and helped many others do the same), and committed to significant philanthropic work? They ask for help. And that’s exactly what I get to talk with my good friend Sean Boyd about in this episode.This conversation is special because this guy is special to me. I get to flip the script and pull back the curtain on someone that I’ve watched countless times make a meaningful impact in the lives and businesses of others with his expertise, advice, and empathy. We cover a wide range of ideas and strategies from mindfulness to mastery and managing stress to brainstorming. This interview is packed with useful insights and ideas that we can all relate to and benefit from. Some of what we cover during the interview includes: Asking yourself (and your spouse) hard questionsFinding momentsHandling anger and stressFinding purpose and taking chancesPsychology vs. techniqueThe art of asking for helpWhy moms are the bestWorking through pressure situationsSaying noWalk & TalksPersonal retreats Spending time aloneFinding fulfillmentGiving to be successfulGUEST BIO - Sean Boyd, CPA, CFP, CVASean has over 20 years of public accounting experience specializing in small business and real estate taxation. He is one of northern California's most highly regarded and sought after CPAs with three professional designations; CPA (Certified Public Accountant), CFP (Certified Financial Planner), and CVA (Certified Valuation Analyst) place him in a professional category that less than 1% of all U.S. CPAs have achieved.He has helped hundreds of clients all across the country turn small ideas into successful and profitable businesses and legacies. Sean graduated from George Mason University with a dual major in finance and accounting. After working for the largest Washington DC based CPA firm, he moved to South Lake Tahoe in 1999 to be a glorified ski bum, however, his career followed him and he developed and refined his client niche between powder days. While in Tahoe he was the assistant mogul coach for Heavenly Valley Ski Foundation's freestyle team and has coached and developed three athletes to the U.S. Team, including current member Sho Kashima. Sean is married to his wife Andrea and they have two boys, Jeremy and Josh, both of whom show early signs of adrenaline addiction. Sean loves the outdoors and being with his family. You will often see them taking family walks in the evenings for what Sean calls "life's perfect time".RESOURCESLinkedInWebsite: California AccountingWomen’s Philanthropy Institute ReportCharitiesTower of NicenessSki Duck

Kevin Saunders is the founder of KS4Inspiration, which endeavors to provide inspiration and education to the next generation so that our young people will have the knowledge, discernment, and confidence required to achieve meaningful and impactful goals. Kevin is committed to inspiring high school students, college students, and young professionals as a dynamic speaker, facilitator, and performance artist. Kevin graduated with an MBA from Pace University and obtained the CPA (Certified Public Accountant) and CFP (Certified Financial Planner) designations while working for Deloitte, a reputable global accounting firm. As a Certified EQ (Emotional Intelligence) Practitioner, Kevin challenges the youth population to achieve meaningful goals, going beyond the pursuit of material possessions, in order to propel them towards their true purpose. Kevin's experiences allows him to cover a wide range of topics including: leadership, diversity, inclusion, purposeful living, and EQ. Kevin has also given the world a though-provoking poem on race and equity. Check it out. In each episode, Jeff and Eric will talk about what emotional intelligence, or understanding your emotions, can do for you in your daily and work life. For more information, contact Jeff at jeff@spiritofeq.com, or go to their website, Spirit of EQ. You can subscribe to The Spirit of EQ Podcast on Apple Podcasts, Google Podcasts, subscribe on Android, or your favorite podcast player. New episodes are available on the 2nd and 4th Mondays every month! Please review our podcast in iTunes.  Click on the link for an easy, step-by-step tutorial.

In this episode Mairéad speaks with Paul Merriman from @askpaul_now about looking after your finances when you are single. How to improve your overall financial situation. What percentage of our salary should we be saving. What to do if you are in debt. How to to apply for a mortgage on your own. What financial conversations should you be having before living with a new partner / before you get married. What small financial decisions we can make now to have a big impact on our long term finances. Paul Merriman, QFA, Grad Dip, CFP®️, CEO has over 15 years’ experience in the financial sector and heads up the team at Pax Financial Planning. Paul is considered one of Ireland’s leading financial advisors and is an internationally recognised CFP®️ (Certified Financial Planner), as certified by the Financial Planning Standards Board (FPSB). Paul’s specialities include overall wealth management and holistic financial mapping, strategic investment planning and asset management and restructure. With regular slots on TV3, Q102 and Today FM, Paul’s knowledge and experience is reaching a growing audience all the time. To book a consultation with Paul visit www.askpaul.ie (Episode recorded prior to level 5 restrictions)

How do you raise money-wise teens? Is that really possible? To answer this question I invited Molly Ward to be my guest. Molly Ward, CFP® (Certified Financial Planner), CDFA® (Certified Divorce Financial Analyst) and Founder of Well Lived Wealth, LLC is a Financial Planner based in Houston with more than 20 years of professional experience. When she’s not helping clients take control of their lives through financial management, you can find her throwing a ball in the front yard with her 11-year-old son, late evening dog walking with one of her teen daughters, paddle boarding on gorgeous Texas Hill Country Rivers, playing tennis with a friend, or hosting weekly Friday Fajitas parties. Molly Ward offers securities through Equitable Advisors, LLC, member FINRA/SIPC. Investment advisory products and services are offered through Equitable Advisors, LLC, which is an investment advisor registered with the SEC, and annuity and insurance products are offered through Equitable Network, LLC. Well Lived Wealth is not a registered investment advisor and is not operated or owned by Equitable Advisors or Equitable Network. During this episode we explore these questions. 1. When should you start talking to your kids about money? And what should you talk to your teens about concerning money? 2. What are some of the traps that moms fall into with teens and money? 3. Can teens really manage their money or be responsible with money? 4. How can you train teens to handle money and make spending decisions on their own. 5. How do you keep teens from being entitled when it come to money? Here's Molly's last piece of advice. Give them an allowance that does not give them 100% of what they want. If they want more, they need to get a job. The important part here is getting a job where they have to show up and work. I heard that only 33% of students have a job before entering college. these jobs, well maybe menial are so important to you developing great long-term habits with money. Especially, if you couple it with an Allowance that Isn’t enough for all their wants. there is a big focus on the résumé and the ACT scores, however a job will teach them Real world perspective and be great for the long term and in the short term it will put money in their wallet to buy the coolest pair of tennis shoes. You can contact Molly at http://www.welllivedwealth.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

He has a passion for personal financial planning since college and has been involved in the profession since moving to San Diego from Michigan in 1998. He's been endorsed by the Endorsed Local Provider (ELP) & SmartVestor Pro for Investment Planning and Long-Term Care insurance for the Dave Ramsey Show in San Diego since 2004. He has achieved his CFP® (Certified Financial Planner) designation in 2009. CONNECT WITH THEM www.phase4fs.com   Links to my podcast the Best Morning Routine, Ever! Podcast Apple: https://apple.co/2IXLfel  Podcast Android: http://bit.ly/bmrever Podcast Stitcher: http://bit.ly/33zJcVK Podcast Spotify: https://spoti.fi/33DmeNG Links to my very own morning routine app -- HitSavers: 9-actionable items done in 9-mins to HACK your morning!!! To improve the quality of your day -- your life! Try it today for free: HitSavers App Android: https://bit.ly/2YMCCvE Hitsavers App Apple: https://apple.co/2BWpoTY Connect with me. Habit consulting -- learn how to replace those pesky little habits that formed without your permission: Hack your habits Calendar: https://calendly.com/lunidelouis/hack-your-habits Website: https://lunidelouis.com 

Join Tracy as she welcomes Michelle Nickel to Episode 97 of ADHD for Smart Ass Women. Michelle earned a degree in liberal arts and followed that up with an MBA. She went to work for a major brokerage firm at the age of 25.  Along the way she earned AAMS (Accredited Asset Management Specialist) and CFP (Certified Financial Planner) designations and also holds series 7, 63 and 66 Securities Licenses.  Working in a small town, Michelle did everything from making sure little old ladies didn’t run out of money, designed retirement plans, set up college savings accounts and everything in between.  Her favorite thing to do is to take a giant pile of financial statements and data and turn it into a comprehensible and workable plan for her clients.    Michelle learned how to manage investments from her company, but managing day to day finances was harder, because of her ADHD. After 23 years working as an advisor, Michelle was able to retire at 48. Michelle lives with her husband and two teenage boys, both of whom have ADHD, in Alabama.    Michelle shares with us: The circumstances surrounding her ADHD diagnosis Her ADHD symptoms How to save The importance of automating everything you can How to save if we’re self-employed What we should do with credit cards How to pay bills How to budget The importance of cash The ADHD traits that Michelle feels are responsible for her success The ADHD traits that Michelle still struggles with Her key to living successfully with ADHD Her number one ADHD workaround What it means to make decisions in advance Her future plans for “retirement”   Resources: Michelle's Blog Raymond James Edward Jones The Automatic Millionaire by David Bach

A Base Nacional Comum Curricular determina que, a partir de 2020, a Educação financeira deve ser abordada de forma transversal pelas escolas, ou seja, nas várias aulas e projetos. Parecer do Conselho Nacional de Educação prevê que as redes de ensino adequem os currículos da Educação Infantil e Ensino Fundamental. Qual a importância e como esse ensino impacta a vida dos estudantes brasileiros? Esse é o tema do episódio 13 do PodAprender, que também conta com dicas para os pais incluírem a Educação Financeira em casa.  Participam do programa André Hayashi, mestre em Engenharia da Produção pela UFSC,  coordenador e professor do MBA Executivo em Finanças e Mercado de Capitais da FAE e consultor de investimentos antifrágeis para pessoas e empresas; e Raphael Cordeiro, consultor de investimentos, sócio da Inva Capital, formado em Administração, com especialização em Planejamento Financeiro pela FIPECAFI-USP, possui certificado CFP® (Certified Financial Planner) e a certificação para analistas de investimentos (CNPI). O PodAprender é uma realização da Editora Aprende Brasil com produção da Central Press Brasil. A apresentação é da jornalista Danaê Bubalo. Mais informações: http://sistemaaprendebrasil.com.br/podaprender/   #ParaSeInspirar Raquel Trentin Araújo, professora na EMEF Padre Pedro Piccoli, de Carlos Barbosa (RS).   #MúltiplaEscolha Livros: Dinheiro e vida (Joe Dominguez) A mente acima do dinheiro (Ted Klontz e Brad Klontz) Antifrágil: Coisas que se beneficiam com o caos (Nassim Taleb) O homem mais rico da babilônia (George Samuel Clason) Podcast: Plano de voo    #DiversãoParaCasa Raphael Cordeiro - https://inva.capital/brasil/  André Hayashi - https://www.facebook.com/profehayashi e https://www.instagram.com/andredanielhayashi/ 

Becoming a Certified Financial Planner is no easy task. The requirements for CFP certification are arduous and take years for financial planners to meet. In this video, we'll be breaking down exactly what goes into becoming a CFP and how to meet the requirements for certification. Add me on Instagram - AppleCriderOfficial A CFP or Certified Financial Planner is the premier designation for financial planners. Working with a certified financial planner assures you that the person sitting across from you is competent and is bound by a stricter ethics standard than your standard financial advisor. In order to become a CFP, there are 4 requirements that all CFP candidates need to fulfill. These are the education requirement, the exam requirement, the experience requirement, and the ethics requirement. While there is not a strict order that they need to be fulfilled in, typically the education requirement comes first and is followed by the exam and experience requirements that are sometimes completed simultaneously. The ethics requirement is an ongoing commitment to a high ethical standard that always needs to be maintained. In order to meet the CFP education requirement, you'll need to go through a CFP Board registered program that covers the core topic areas of financial planning. Many colleges now offer CFP Board certified degrees that allow students to have completed the education requirement upon graduation. Personally, that's what I was able to do at UW Madison so that immediately upon graduation OI was ready to sit for the exam. The CFP Exam was hands-down the hardest exam I have ever taken. Cumulatively, I spent over 500 hours studying for this exam (which probably adds up to more time than I spent on studying all throughout college). The exam is 6 hours long and contains 170 questions ranging from taxes, to ethics, to investments, to estate planning, and a whole lot of other financial topics. After passing the exam, you'll need to start racking up experience in the field before you can start calling yourself a CFP. Meeting the CFP Experience Requirement consists of accumulating over 6,000 hours of work in the field. This equates to about 3 years working full-time. If it weren't for this pesky requirement, I'd already be able to call myself a CFP, but because I haven't accumulated enough hours yet, I can't use the marks yet. Last is the ethics requirement. Being a CFP, you are held to a higher ethical standard than other financial professionals. As a CFP, you are required to put the best interests of your clients above your own. While some would argue this is just common sense (myself included), just because someone holds themselves out as a "financial advisor" doesn't mean they have to only think about what is best for you. They might be swayed to make recommendations based on which products make them the most commissions. Not great. Once you have met all 4 of these requirements (and paid some money to the CFP Board), you can now legally hold yourself out as a CFP, add the letters to the end of your LinkedIn profile, and get to work! I hope you found this video helpful and if you are considering going down the path of becoming a certified financial planner, I am wishing you all the best! TIMESTAMPS 0:00 – Intro 2:10 – How To Become A CFP 2:20 - Education Requirement 4:22 – Exam Requirement 6:57 – Experience Requirement 10:06 – Ethics Requirement

For this blog/podcast/video, I'm going to talk about my own personal finances, in hopes that it is helpful for some people.  I'll go over how I invest, budget and what my retirement plans are.  You can see the Video Here I will be expanding about my personal finances in another blog at: aiofinancialplanner.com/blog/ Financial History Let me briefly present my financial history.  I worked as an engineer for about 20 years.  I worked for several firms and started my own consulting firm but I never really liked the work. I lived simply partially to try to retire early. I tried to save at least 25% of my take home income. I was married for 7 years, then divorced – which cost me far more than half of all of the savings that we had at the time, but I didn't have to pay alimony. Getting divorced is generally not a good financial move but, for me, it was well worth it. Shortly after divorcing, at age 36, I joined the Peace Corps and served in Nicaragua (I wanted to get as far away as I could).  I learned that I could have a pretty good life on less than $5,000 per year.  It gave me confidence to do what I wanted to do (or at least not do what I didn't like doing) without just thinking about earning and saving as much as possible. After leaving the Peace Corps, I went to Nogales, Sonora, Mexico to help set up a micro-finance organization then joined my mother's financial planning firm in Tucson, Arizona. I got my CFP (Certified Financial Planner) certification and started meeting with clients.  She had a small business and I earned less than $30,000 per year for the first couple years with my mother.  She specializes in Socially Responsible Investing, or Impact Investing, which really attracted me to the business. I worked hard at internet marketing and growing the business. I bought my first home when I moved to Tucson (at age 37). It is a duplex that cost just over $100,000.  I lived in one unit and rented out the other.  The renters covered most of the mortgage allowing my housing expenses to be very low. I married a woman from Sonora, Mexico (Lupita). We have two girls, now 11 and 7 years old.  My wife and I both started our family late. I'm now 50 years old and she is 49. There are pros and cons to having kids so late. We still have the duplex and rent it. In 2007 (right as the market was tumbling) we bought a single family home to live in.  The duplex is worth a bit more than what we paid for. The home is still worth less than what we paid for it (11 years later). I'm not worried, it was bad timing but we have no plans to sell either for a while. Spending I lived very simply until having kids. There are constant needs with kids: medical, education, clothing, travel, activities, etc.  We still live relatively simply but, as a family, my spending, and waste, has increased greatly. Lupita is from Caborca, Mexico where her father, brother and much of her extended family live. We drive to Caborca every month or two, stay with Lupita's father and mostly visit with family.  We regularly send money to Mexico to help supports some of Lupita's family. The costs of being there are not high compared to other travel but it is a regular expense. We are currently spending approximately 50% of my take home earnings. We did not save at all for a few years when both kids were very young and my salary was significantly lower. Investments Here are some of my personal investing guidelines: My largest asset is my future income. My financial planning business is my most important asset.  I invest into the business with: programs, equipment, support staff, and advertising. There are opportunities to buy other financial businesses, which I have not done yet but I am considering that. I invest in real estate when I am pretty sure that I will not be moving for the next 6 years or more..  I like having a rental property but would not like another. My time is more valuable working as a financial planner t...

Having advised numerous business owner families, Paul West shares his insight on some key personal mistakes business owners miss out on due to focusing on wrong activities.Paul received his Bachelor’s degree from the University of Nebraska-Lincoln and earned his MBA from the University of Nebraska-Omaha. Paul and his wife, Courtney, have three children, twins Cecilia and Liam, and son, Louie. Paul enjoys golf, traveling, hiking and rooting for the Huskers. Questions we addressed: 1.  What are the top mistakes you see business owners making today?2.  How do you help business owners know when enough is enough?3. I see that you are a CAP (Chartered Advisor in Philanthropy) in addition to a CFP (Certified Financial Planner). Why do you think that's important?2 Special Offers:- Election Protection portfolio defense review. If you are concerned about the election and impact on portfolio, we can share a complimentary risk analysis.- Complimentary Business Owner exit planning assessment. Our team will help you assess your long-term readiness approach.  

This week, we asked you to send us your biggest financial conundrums — and a CFP (Certified Financial Planner) answered! Chelsea sits down to talk with CFP Brittney Castro all about how to make good money moves even when you're on a low income, from working out your emergency budget to what to do with the money you can afford to save. To learn more about Intuit’s suite of products: https://intuit.me/2NS2yAq To get started with QuickBooks today: https://intuit.me/TFD To get started with Mint today: https://www.mint.com?cid=soc_pod_s_yr-partner_1_20191230_tfd To get started with Turbo today: https://turbo.intuit.com/?cid=soc_pod_s_yr-partner_1_20191230_tfd Subscribe to The Financial Confessions podcast here: https://lnkfi.re/1QYK1e4R Brittney Castro’s Website: https://www.financiallywisewomen.com/ Brittney Castro’s Twitter: https://twitter.com/Brittneycastro Brittney Castro’s Instagram: https://www.instagram.com/brittneycastro/ Brittney Castro's YouTube: https://www.youtube.com/user/brittneycastro The Financial Diet site: http://www.thefinancialdiet.com Facebook: https://www.facebook.com/thefinancialdiet Twitter: https://twitter.com/TFDiet Instagram: https://www.instagram.com/thefinancialdiet

In this 175th episode I welcome Justin Harvey back to the show to discuss the financial implications of COVID-19 for medical students, residents, fellows and attending physicians. Justin is a fee-only financial advisor and CFP (Certified Financial Planner). References: Recommended student loan consulting company: www.studentloanplanner.com Anesthesiologist-founded physician-specific lending: https://www.doc2doclending.com/ A great flow chart for how to think … Continue reading "Episode 175: Financial Planning in the Time of COVID with Justin Harvey"

Meghan Chomut is the financial consultant for families that have (or want to have) an income property as a part of their investment portfolio. She is a mom, wife, friend, CFP (Certified Financial Planner) and Investment Property Advisor.... Read More

In this episode of Wine and Dime I chat with Echo Huang. The child of educators, she grew up watching Hong Kong TV via an antenna on the roof of her residence. At the age of 20, she applied to the university of Idaho in finance. Echo shares a passion for bringing more women and minorities into the profession through internships and hiring college students. She is the author of Own Your Future, which will be released next month - you can get a copy on www.echohuang.com About Echo. @ECHOHUANGCFP (https://twitter.com/echohuangcfp?lang=en) Echo Huang is a financial planner with CFP® (Certified Financial Planner) designation and over 25 years of experience in the financial services and accounting industries. She helps executives and entrepreneurs in Minneapolis and St. Paul take the complexity out of their personal and business finances. Born and raised in China, she came to the United States with $800 in her pocket in hopes of pursuing – and achieving – the American dream. Through higher learning, continued education, and hard work, she gained valuable experience and extensive knowledge about wealth management, investment strategies, and tax planning. After years of working as an accountant, a financial advisor and partnering with other financial firms, she founded Echo Wealth Management in 2015. MORE ACCOMPLISHMENTS  She offers in-depth financial planning and personalized investment management services for professionals, executives, and entrepreneurs. She is an expert in stock options, trading plans, and Deferred Compensation Plans. As an investment professional with CFP®, Certified Public Accountant (CPA) license and Chartered Financial Analyst (CFA) charter, she is sought after to create personalized financial plans and execute the holistic strategies. Learn more by visiting Echo Wealth Management. (https://www.amazon.com/gp/product/B084X62W8P/ref=dbs_a_def_rwt_hsch_vapi_taft_p1_i0)  is the story of how a poor immigrant came to live the American dream and how you can too. It’s a story of dreams manifested as a result of the guidance offered by the author’s seven core principles: daring to dream, being adaptable, respecting education, setting goals, utilizing smart and deliberate planning to achieve success, seizing opportunities when they arise, and benefiting from the wisdom of others. Based on the author’s twenty-five years of experience in the trenches, not just of investment management but also of private and public accounting, this book educates the reader about wealth management and offers useful tools that can be used to make our financial lives more organized. Echo Huang pulls back the curtain on the wealth management profession as a whole and shows you how to make it work for you, as well as whom and what to trust, who should be on your team, and how they should be working together in a holistic way to help you reach your financial independence day. Wine: Riesling and Mascoto (we would recommend https://prejeanwinery.com/wineshop (https://prejeanwinery.com/wineshop) - Semi-Dry Riesling) THIS EPISODE WAS PRESENTED BY Amy IrvineAND IN COLLABORATION WITH The Seneca Lake Wine Trail (https://senecalakewine.com/) AMY IRVINEROOTED PLANNING GROUP10 EAST MARKET STREETCORNING NY 14830 WWW.ROOTEDPG.COM (https://www.rootedpg.com/) EMAIL: AMY@ROOTEDPG.COM

Meghan Chomut is the financial consultant for families that have (or want to have) an income property as a part of their investment portfolio. She is a mom, wife, friend, a CFP (Certified Financial Planner) and Investment Property Advisor. She helps families and income property owners get their personal + investment property finances organized and make smart investment decisions by designing custom plans and tax strategies. Guest: Meghan Chomut, Investment Property Advisor & Certified Financial PlannerMeghan Chomut is the financial consultant for families that have (or want to have) an income property as a part of their investment portfolio. She is a mom, wife, friend, a CFP (Certified Financial Planner) and Investment Property Advisor. She helps families and income property owners get their personal + investment property finances organized and make smart investment decisions by designing custom plans and tax strategies. For over a decade, Meghan has been working in the finance and investment industry helping people save for their big dreams (retirement, sending their kids to college, going on a beach vacation, etc). She also works with real estate investors to make their rental properties profitable and position their investments for maximum wealth building.You will learn about:– What a FEE ONLY Certified Financial Planner means– Should you incorporate or not?– Biggest mistakes investors make– How often should you meet a financial planner to reach your goals– Mortgage insurance– Using your RRSPs for investing– Tips to get organized for tax seasonGet in touch with Meghan:Website: https://www.meghanchomut.comInstagram: http://instagram.com/meghancfp

Today's guest is Derek Notman a Financial planner in Madison Wisconsin who isn't entirely convinced that buying a house is a particularly good financial choice. Derek shares his experience and advice on a variety of subjects beyond real estate and home ownership... He explains why Cashflow is king. and why knowing Where your money comes from and where it goes is so important About knowing what you really want from life because If you don't know what you want, it's just too easy to do what everyone else is doing. Don't fall in love with a house until you fall in love with the financial picture of that house. Sure your friends are happy to have you visit their big beautiful home, but they don't tell you about the stress it may cause in their lives. And why he believes buying a home might just be one of the worst financial decisions someone can make.   Financial Planning and Advisor Fees reflect my typical fee for these services and are negotiable. Financial Planning Fees are typically collected in full at contract signing, though other arrangements may be available. The advisory fee is calculated and collected monthly. For the Representative Directed Program, the advisor fee range shown is a breakpoint and reflects the assessed advisor fee for all assets as each threshold is crossed. For all other Advisory programs there are two pricing options, the advisor fee range shown may be tiered, that is the range reflects the assessed advisor fee for the portion of assets within the stated band, or may be a breakpoint based on the proposed initial investment. This decision will be part of the discussion when establishing your account. The Financial Planning Agreement and/or the Statement of Investment Selection (SIS), each of which you will sign if you engage in a Financial Plan or open an Eagle account, will reflect your specific fees. For Advisory accounts please note that additional Money Manager, Platform, 12b1, and Expense Ratio fees may apply. You should reference Eagle's Wrap Fee or Firm Disclosure brochure, available at www.eaglestrategies.com/important-disclosures, for additional information on fees including how and when fees may change and the method of calculation. Derek Notman is registered as an Investment Adviser Representative, under Eagle Strategies LLC, a Registered Investment Adviser. Derek Notman, Intrepid Wealth Partners, 999 Fourier Drive, Madison, WI 53717. Intrepid Wealth Partners is not owned or operated by Eagle Strategies LLC and its affiliates. Eagle Strategies LLC and NYLIFE Securities LLC are New York Life Companies. *CFP® & Certified Financial Planner ® is a designation. *Derek Notman is registered as an Investment Adviser Representative, under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of CA, FL, TN, WI, CO, AZ, MN, MA, NY, NJ, NH, VT. As such, these services are strictly intended for individuals residing in WI, MN, MA, NY, NJ, NH, VT. **Derek Notman is also a Registered Representative of and offers securities products & services collectively through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is strictly intended for individuals residing in the states of CA, FL, TN, WI, CO, AZ, MN, MA, NY, NJ, NH, VT. No offers may be made or accepted from any resident outside the specific states referenced. Derek Notman is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of FL, TN, WI, MN, IL, NY, MA, VT, CA (Derek’s - CA Insurance Lic. 0K35010). No insurance business may be conducted outside the specific states referenced. Intrepid Wealth Partners, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates. ^Neither Eagle Strategies, LLC, its affiliates nor Intrepid Wealth Partners or its employees provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional regarding your particular situation. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

This week we asked you to send us your biggest financial conundrums – and a CFP (Certified Financial Planner) answered! From saving vs. spending, to choosing between a Traditional and a Roth IRA, to deciding if couples should mingle their finances, Brittney Castro uses her years of financial wisdom to solve even our most confusing money problems. To learn more about Intuit’s suite of products: https://intuit.me/2NS2yAq To get started with QuickBooks today: https://intuit.me/TFD To get started with Mint today: https://www.mint.com?cid=soc_pod_s_yr-partner_1_20191230_tfd To get started with Turbo today: https://turbo.intuit.com/?cid=soc_pod_s_yr-partner_1_20191230_tfd Brittney Castro’s Website: https://www.financiallywisewomen.com/ Brittney Castro’s Twitter: https://twitter.com/Brittneycastro Brittney Castro’s Instagram: https://www.instagram.com/brittneycastro/ Brittney Castro's YouTube: https://www.youtube.com/user/brittneycastro The Financial Diet site: http://www.thefinancialdiet.com Facebook: https://www.facebook.com/thefinancialdiet Twitter: https://twitter.com/TFDiet Instagram: https://www.instagram.com/thefinancialdiet YouTube: https://www.youtube.com/channel/UCSPYNpQ2fHv9HJ-q6MIMaPw

Gregg is a Certified Financial Planner and consultant who has become a leading advocate for sound parenting, child accountability, and financial literacy. As a father of six, it was his idea to throw away the family paper chore chart and piggy bank to find a way to combine the chore chart with the technology his kids were using. For more than 20 years, Gregg has led a very successful personal insurance and financial services practice. A graduate of Arizona State University with a degree in finance, he has also earned multiple professional designations in his industry including CFP® – Certified Financial Planner, ChFC- Chartered Financial Consultant, CLU- Chartered Life Underwriter and REBC- Registered Employee Benefits Consultant. See omnystudio.com/listener for privacy information.

If you enjoyed this episode, please rate this podcast ★★★★★, review, and subscribe on Apple Podcasts or your favorite podcast player!

To be clear, my financial position and goals are different than most, I’m looking for 30% returns from my investments.  My overriding principle is the investment you do is better than the investment you don’t. If I never lost 40-60% of my stock portfolio during the last major recession, I would never have given my full focus to real estate and the money I lost in stocks is pennies compared to the money I’ve made as a real estate investor. Anyways, enough from me. As someone not qualified to speak to RESP’s and retirement planning, I had my friend Kathleen van den Berg who has a lot of letters behind her name is qualified as the Truth About Real Estate Investing show continues to bring your experts in investing. Kathleen has her Masters in Business Administration, her CFP - Certified Financial Planner and CLU - Chartered Life Underwriter, the Canadia wealth transfer and estate planning designation.  She also owns 10 investment real estate properties. Kathleen is here to explain the three buckets of assets everyone needs and which order to fill them and have even more controversial opinions to share on RESP’s LOL.  Note Kathleen does fee based financial planning and one of the rare CFP’s to do so to ensure she can provide you unbiased financial advice unlike mutual fund sales people so we are really lucky to have Kathleen on the show so we may all learn. If you are already on my email list, you will receive my type notes from the interview. If you would like to receive my personal notes from interviewing guests simply go to www.truthaboutrealestateinvesting.ca and enter your name and email on the right. Without further ado, I give you Kathleen van den Berg, MBA, CFP, CLU and RESP expert ;)

Gregg is a Certified Financial Planner and consultant who has become a leading advocate for sound parenting, child accountability and financial literacy. As a father of six, it was his idea to throw away the family paper chore chart and piggy bank to find a way to combine the chore chart with the technology his kids were using. For more than 20 years, Gregg has led a successful personal insurance and financial services practice. A graduate of Arizona State University with a degree in finance, he has also earned multiple professional designations in his industry including CFP® – Certified Financial Planner, ChFC- Chartered Financial Consultant, CLU- Chartered Life Underwriter and REBC- Registered Employee Benefits Consultant. He was named Chairman of 2014 Smart Money Week for the state of Arizona, as well as, the National Financial Educators Council Financial Education Instructor of the Year. A firm believer that financial education should be a priority in our schools, Gregg has conducted hundreds of media interviews pushing inclusion or parental involvement. Gregg isn't afraid to promote change through his actions. In 2014, Gregg took his family on a pair of RV trips where they traveled nearly 10,000 miles in 31 days. Along the way, the Murset family performed normal household chores for families in need and organizations requesting volunteers. Gregg is considered a pillar of his Arizona community and is regularly attending his kids sporting events or taking them on weekend camping trips.  

Why is retirement Israel is different than retirement in America, or anywhere else on the globe? It’s because retirement plans need to be specific to individuals. Your retirement plan should reflect your individual goals and the current size of your nest egg. If you’re an American living in Israel and having a difficult time working with an American firm, it may be time to switch to an Israeli company that can help you keep your dollar assets and retirement accounts in an American brokerage firm. Retirement in Israel doesn’t mean you have to give up the benefits of an IRA account. It just means you need the advice of a CFP (Certified Financial Planner) who understands cross-border investing and your individual situation. In order to create a long-term financial plan you need to find a balance between growth and risk. The toolkit, “Opening U.S. Brokerage Accounts from Overseas,” a financial guide on brokerage accounts for U.S. investors living in Israel might also help make a difference financially. Rethink your retirement Download the free resource, “What Every American Who Retires in Israel Should Know”. The resource is a summary of retirement in Israel. Have you recently moved to Israel from the United States? Transform your future. Download the free resource and rethink your retirement. The toolkit, “Opening U.S. Brokerage Accounts from Overseas,” a financial guide on brokerage accounts for U.S. investors living in Israel might also help make a difference financially. Download free resource: What Every American Retiring in Israel Should Know If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.

Topics: 6:20 - Knowledge of Finance 11:19 - Awareness to Wealth 20:47 - The Power of Trusts 24:03 - In the Best Interest of the Clients 27:57 - Behavioral Finance 30:09 - Choosing to Become a CFP 36:26 - Knowing the Market and Being a Coach 38:46 - Italy! 41:42 - Amalfi Coast 43:46 - The Gift of Cooking 49:28 - Throwing up with Bill Cosby! 54:50 - Passion Project and Helping Foster Kids through C.A.S.A. 58:12 - Go Home Message Risk & Return If you enjoyed this episode, please rate this podcast ★★★★★, review, and subscribe on Apple Podcasts or your favorite podcast player!

Do you have a plan for what might come “after”? So often, we become hyper-focused on chasing a dream, with no real thought or plan for what might come next or how we need to pivot when circumstances change. My guest today was focused on her dream of being a gold medal Olympic athlete, but then she converted that ambition into other fields when her athlete days were done.  Lauryn Williams, CFP, is a four-time Olympic medalist AND the first American woman to medal in both the Summer and Winter Olympic Games. While pursuing professional sports, Lauryn interacted with two financial advisors who didn’t provide the services she needed. She asked friends what they were doing about their finances, and the answers were vague and unsettling. Constantly looking for ways to make a difference in the lives of others, she decided to put her finance degree and MBA to use to fill the gap for young professionals. Eager to learn everything she could, she then pursued the Certified Financial Planner certification. Her company, Worth Winning, offers virtual services to help young professionals get the answers to the financial questions that matter most to them. Whether that is creating a budget, figuring out a plan for paying off student loans, setting goals for savings, or understanding your 401(k), Worth Winning is ready to help with all things personal finance. An athletic career doesn’t last forever What do you do when one phase of a career is over? Lauryn had no idea what would come next for her. The truth is, when we chase one dream for a long time, we need to be prepared for what happens next. There is no shame in having a Plan B and knowing when to pivot to something else. Having a plan in place is a life skill that Lauryn encourages people to cultivate. Sometimes the transformation is tough when you have to find a new identity and a different dream to chase. TWEET: “Having a back-up plan is NOT a bad thing.” @worth_winning Making financial plans How do you pay for college when your family has limited resources? With no trust fund and no savings for college, Lauryn wasn’t sure how she would pay for college. Even though she had been taught financial responsibility from a young age, she needed an expert to help make plans. People usually do business with someone they know, like, or trust----but Lauryn had none of those connections. The first financial planner she saw didn’t get to know her needs and wasn’t able to help her. What she really needed was someone to teach her financial literacy, which is what Lauryn seeks to do for her clients today. TWEET: “Know how to pay yourself first.” @worth_winning Choosing someone to help Since anyone can proclaim themselves a “financial advisor,” many have a conflict of interest or seek to sell insurance or other services to people instead of helping them with what they really need. Lauryn’s advice is to look for a CFP (Certified Financial Planner) because no one can attach that title without going through the proper training and certification process. It’s important to know which questions to ask and whether the professional is commission-based or fee-only. TWEET: “Time is on your side when you start while you’re young in planning your financial future.” @worth_winning OUTLINE OF THE EPISODE: [:33] Lauryn’s interesting background [1:43] The intersection of academics and athletics [5:43] Becoming a bobsledder [10:08] The average “life span” of an athlete [11:23] What comes after the athletic career? [16:20] Using her financial degrees [20:00] When to hire a financial planner [25:26] How to find a true CFP [32:08] What we need to know about using Lauryn’s “Four Buckets” for budgeting RESOURCES MENTIONED IN THE SHOW: Lauryn’s Website Lauryn on Facebook Lauryn on Twitter Lauryn on Instagram Lauryn on LinkedIn Worth Winning Financial Planner Fee-Only Financial Planners for young people (All of which are CFP's)   TWEETS YOU CAN USE: TWEET: “Chase YOUR authentic dream, not someone else’s.” @worth_winning TWEET: “Growing up, I knew that being smart would be the key to accomplishing my dreams.”@worth_winning TWEET: “If you don’t tell your money where to go, then you’ll always wonder where it went.” @worth_winning  

Shannon Lee Simmons is a CFP (Certified Financial Planner), CIM (Chartered Investment Manager, media personality, and founder of the New School of Finance. As the Author of Worry-Free Money, Shannon is considered a trailblazer in the Canadian financial planning industry. Today, we discuss the financial aspect of being a PR freelancer and/or agency owner. Tune in to hear her great insights! Topics: The New School of Finance How to financially plan for running your own business Opportunities for professional development How to finance professional development Pros and cons of hourly and flat rates The importance of keeping and organizing receipts How to bill appropriately Understanding business taxes The big mistake all freelancers make This podcast is courtesy of Pitch Graphic Design, a Toronto based firm, whose goal is to provide quality graphic designs for Public Relations. If you would like to get in touch with Pitch, please fill out the contact form. Resources: New School of Finance Shannon’s Website Worry-Free Money Pitch Graphic Design on Instagram Quotes: “As a corporation, you get to choose how much money comes out of the corporation to be your personal income.” -Shannon Lee Simmons “Just making sure that you’re up-to-date on what the government allows you to write off...it can be a bit sticky.” -Shannon Lee Simmons “The lack of tracking expenses and then not having enough money put aside for taxes. It is something that can kill your business.” - Shannon Lee Simmons

Having a financial plan and Mary Beth Storjohann is a passionate Certified Financial Planner who loves to educate her audience and I'm so glad we have her with us today on this episode! Mary Beth Storjohann, CFP® and Founder of Workable Wealth is an author, financial planner and accountability coach working to help clients in their 20s-40s across the country make smart, educated choices with their money. Her recent accolades include the “Top 40 Under 40” by Investment News, “10 Young Advisors to Watch” by Financial Advisor Magazine, and “10 of the Best Personal Finance Experts on Twitter.” She frequently appears on NBC as a financial expert and her expertise has been featured in The Wall Street Journal, CNBC, Forbes and more. IN THIS EPISODE 1:18 Mary Beth's dad worked at a local mall and they would have famous people and events and one weekend they had the batmobile so they took it for a cruise. 2:56 The reason why there is confusion around financial planners is that there are not many regulations on who calls themselves a financial planner. 3:46 You want to work with someone who is a CFP - Certified Financial Planner who will help you look at your cash flow, how to pay down your debt, education planning and how much life insurance you need. They look at your values and goals and create a plan to live a life you love. 5:36 If you are looking into a financial planner, ask someone who is going to invest your money, ask how they get paid. If they are commission based, be careful. 6:22 Mary Beth will create a plan for her clients, teach them how to invest their money and she also invests the money for them. She has been in the industry for 10 years and her biggest thing is educating her clients about their options and she wants them to feel empowered around their money. She wants to make sure that her clients are confident that they are in control of their money. 9:00 Her family declared bankruptcy and money was a controversial topic in their household. She grew up with a lot of anxiety around money. When her parents were buying her a car, she had a panic attack around the fact that her parents were buying her a car but couldn't pay for her college. Her mindset was one of scarcity and in college, she would squirrel away her money. Having her own business and being in the financial business, she still has anxiety around the money. She and her husband hired a financial planner and that has helped her let go of controlling her money. 17:30 If you're in a place to hire help, if you have goals and if you're having issues keeping yourself accountable. If you have kids, do you have life insurance, if you have bills to pay, you should not be saving for college yet. Big life events or questions are a great place for getting a financial planner. If you're someone who is in a ton of debt, there are courses like Dave Ramsey. If you're someone who has a 401K, then you can get help figuring out your money. If you have cash and you want to buy a house but need help figuring out how much you can afford. Mindset is one thing, but you have to do the tangible work to figure out where your money is actually going. 22:30 The biggest thing if you're in a place where you're struggling and you need an accountability partner, that's where you want to get started. The creative online entrepreneur world, there is so much fear and anxiety and seeing what other people do. What you're seeing online is all fake. No one is perfect and everyone has their money issues. 23:48 I have two ways of handling clients. I either make a plan and we work on a few things at a time. I also start with those people who come to me and their stuff is all over the place. Try to do one thing each day and that's a step to celebrate. Create a rough budget for yourself. Go to Mint.com and let it create your budget for you. 25:12 When I work with clients, we spend 4-6 weeks of a plan together. We don't do it all at once and get them set up with a bookkeeper or a CPA. I don't have them do things all at once. They work at 2-3 things a month. We measure big progress ever six months. 27:17 You have to train your mind to say no to something. You take baby steps. 28:18 Saving your money and using the course you've already invested in is an important step to getting ahead in your business. There are mindset changes and you should celebrate them. 28:51 When I started college, I started out studying International Business and wanting to move abroad to Italy. When I was selling cell phones, I decided I needed an office job. By that time I'd switched my major to accounting and I'd gotten a receptionist at a CPA firm. I saw financial planners working, people coming in with anxiety and leaving with less anxiety. Something clicked inside of me and I switched my major and I was one of the youngest CFPs in the country. 31:22 Even as a young woman in a predominantly white male job, this is a case of no one will look out for you like you will look out for you either in your finances or your money. I've built my career by looking out for myself. I've almost left a few places because of the sexism and ageism that I faced. 33:10 Where I am right now is that it's all about relationships. Instead of looking for clients who have millions of dollars, what if I find regular people who can get to a million dollars. I have genuine relationships with my clients and my clients become friends. It's so cool I can celebrate with my clients and I love those relationships. 37:44 When you're wanting to work with someone, decide if you want to work virtually or locally. You want to go with someone who is a fee-only financial planner. You want someone who doesn't make a commission because they're getting a cut of what they're selling you. When you meet with me, there's a 30-minute conversation and I ask what their goals or questions are. You can expect 15-20 minutes talking about and your current situation and finances, goals and what the future looks like. You should expect someone to tell you how you work with clients and then have time to ask questions. What type of clients do you work with, what type of experience do you have, how much access do we have, how often can we expect to hear from you, do you have a team we will also hear from you, and ask if they'll act in your best interest. When you meet with me, there's a 30-minute conversation and I ask what their goals or questions are. You can expect 15-20 minutes talking about and your current situation and finances, goals and what the future looks like. You should expect someone to tell you how you work with clients and then have time to ask questions. What type of clients do you work with, what type of experience do you have, how much access do we have, how often can we expect to hear from you, do you have a team we will also hear from you, and ask if they'll act in your best interest and how they're compensated. Ask what how they plan and how they'll hold you accountable. 46:41 Income factor isn't a factor, I look at the income level to see if they can afford me. If I'm not sure if they can, I have a template email that shows where my fees and if they can't afford me then I refer them to others who charge less. No matter who books a consultation with me, I always get back to them. I only work with those who want to do a continuing relationship with me. 51:15 It starting by figuring out what's important to you and what your goals are. [bctt tweet="Financial planning and wealth is starting by figuring out what's important to you and what your goals are." username="tonyarineer"] KEY TAKEAWAYS You want to work with a Certified Financial Planner who will help you look at your cash flow, how to pay down your debt, education planning and how much life insurance you need. No one is perfect and everyone has their money issues. Mary Beth will create a plan for her clients, teach them how to invest their money and she also invests the money for them. There are mindset changes and you should celebrate this. I've built my career by looking out for myself. Where I am right now is that it's all about relationships. How to find a CFP for yourself. EPISODE RESOURCES National Association of Fee Only Financial Planners Financial Planning Association 7 Steps to Financial Freedom by Tony Robbins Free Money Mindset Training- just in case you're ready to take your profit power to the next level! Hang out with us inside our free Facebook Community- where every day is a party! CONTINUE THE PARTY WITH MARY BETH Workable Wealth website Twitter Instagram Facebook

Dan Kuschell: NLP, The Easy Conversation Technique, Fearless Wealth, and Celebrating Dads with RC Peck PLUS: Is this a future star in the making? Listen in on this guest song and hear the story of how she surprised her dad… Every conversation and interaction we have with someone is an opportunity of influence, and people either are moving towards our ideas or moving away. What would happen if you could learn a strategy you can use today to turn any conversation into one that is engaging, eliminates friction and fear, to have people engage in your ideas? Today you'll discover how Certified Financial Planner and Registered Advisor, dad and husband RC Peck does just that, and can help provide you greater clarity, confidence, and capabilities - in this fun, insightful interview, plus you’ll hear a song from this guest who shocked her dad with this very special song.   Here's a sampling of what you'll walk away with: The Easy Conversation Technique and how you can put it in place today for greater influence; What is Neuro Linguistic Programming; Why do people not buy your ideas – and what you can do about it by putting the secret emotion you HAVE to create before you get people to buy at your price; The definition of selling? Dan Sullivan’s definition of selling: “Getting people intellectually engaged in a future result that is good for them, and getting them to emotionally commit to take action to achieve that result.” A strategy to shift change to get your best breakthroughs; How to get control of your thoughts when most thoughts are negative – “When you’re facing doubt, anxiety, distress from outside of you, or with other people, it’s not about you.” “When dealing with negative emotions, it’s not the sign to stop, it’s the time to go.”; How to shift anxiety by realizing, in most cases the thoughts you are having are not your thoughts; RC Pecks view on the 3 Parts of a Company – and the most important one to focus on; Words create emotions and stimulate this subconscious idea: what does this _______; The #1 Feeling you must score well on to win in communication: _______ _________; The subconscious question going on in the mind of someone listening to you: “Am I Safe” ; How to eliminate Decision Fatigue; In your personal and business relationships, what you do either leads into communication or sets the path for confrontation; Listen to this potential future star as she surprises her dad with this song And much, much more...   RC Peck is CFP (Certified Financial Planner), the founder of FearlessWealth.com and The Easy Conversation, as well as a recognized media expert. Learn more about RC at: http://www.fearlesswealth.com or http://www.theeasyconversation.com Get access to the full show here at: http://www.growthtofreedom.com/16 Get more clarity, capabilities, and confidence and join us for a new show at http://www.growthtofreedom.com   =================== ABOUT DAN KUSCHELL: =================== Dan Kuschell is a success driven business growth strategist, a media contributor, and thought leader. He helps entrepreneurs, leaders, and business owners grow and scale their companies 10x by driving the flow of elegant ideas, execution, and team-culture for greater clarity, confidence, and direction. Dan has been recognized worldwide for creating results with his resources, books, and strategies. Meet Dan at http://www.DanKuschell.com Get more access to Dan's wisdom here: http://www.youtube.com/ChampionVision Watch/Listen to the show: http://www.growthtofreedom.com Tweet us at: https://twitter.com/dan_kuschell Follow us on Facebook: https://facebook.com/dankuschellpage LinkedIn: http://www.linkedin.com/in/dankuschell Pinterest: https://www.pinterest.com/dankuschell Instagram: http://www.instagram.com/dankuschell