Podcasts about Chfc

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Latest podcast episodes about Chfc

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
90 From Compliance to Strategy: How Smart Business Owners Build Long-Term Success | Christopher Papin

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All

Play Episode Listen Later Jul 12, 2025 53:25 Transcription Available


From Compliance to Strategy: How Smart Business Owners Build Long-Term Success | Christopher Papin The Entreprenudist Podcast https://entreprenudist.com Episode with Christopher Papin, Owner of Papin CPA In this insightful interview, Christopher Papin breaks down how business owners can shift from basic compliance to strategic, long-term planning by leveraging the power of advisory services, financial insight, and legal integration.

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
91 Skip Wilson: The Secret to Scalable Advertising Execution Without Tech Overload

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All

Play Episode Listen Later Jul 12, 2025 36:59 Transcription Available


Skip Wilson: The Secret to Scalable Advertising Execution Without Tech Overload The Entreprenudist Podcast https://entreprenudist.com On this episode of The Entreprenudist Podcast, we sit down with Skip Wilson, CEO of DRAFT Media Partners, to discuss why empathy and operational excellence—not just technology—are the real engines of sustainable success in advertising. With 100+ clients across four locations, Skip shares exactly how his team builds systems that scale, deliver measurable results, and keep humans—not just tools—at the center of every campaign.

Financial Planning Explained
Final Expense Planning with Scott Mitchell & Kyle Ryan, CFP, ChFC

Financial Planning Explained

Play Episode Listen Later Jul 8, 2025 32:59


On this week's episode of Financial Planning: Explained, host Michael Menninger, CFP is joined by Scott Mitchell and Kyle Ryan, CFP, ChFC. Scott is an Advanced Planning Counselor with Life Celebration. Life Celebration specializes in funeral and final expense planning. In this episode, Scott, Mike, and Kyle discuss final expense planning as it pertains to estate planning. They dive into preparations that should be considered when it comes to documents, prefunding a funeral, and trusts. This is a great episode for anyone who has a loved one without an estate plan in order. ​For more information on Menninger & Associates Financial Planning visit https://maaplanning.com.

Going North Podcast
Ep. 974 – From Bedridden to Bestselling with Amy Rose Herrick, ChFC (@amyroseherrick)

Going North Podcast

Play Episode Listen Later Jul 5, 2025 62:18


"For those of you who have had cancer or treatment, or you've watched family members or friends go through it, it takes everything out of you. It gave me a reason to not just focus on how miserable, tired, exhausted, and isolated I felt, because I could take some of what I had inside that I'd been sharing one-on-one, and I knew I could share it with a larger audience.” – Amy Rose Herrick, ChFC Today's featured #1 bestselling author is a speaker, Chartered Financial Consultant, and America's Profit Building Specialist, Amy Rose Herrick. Amy and I had a fun on a bun chat about her books, her move from Kansas to the Virgin Islands, the importance of planning for financial emergencies, and tons more!!!Key Things You'll Learn:How Amy Rose transformed her battle with cervical cancer into a powerful catalyst for creativity and more successHer views on AI-generated writing and how it sometimes plays a role in her consulting workWhy business owners and authors need to have exit plans and succession strategiesHer content file system and strategies for capturing ideas and staying productiveWhy attention to detail is important in personal brandingThe importance of reputation, ethics, and not sacrificing integrity for moneyAmy's Site: https://www.amyroseherrick.com/Amy's Books: https://www.amazon.com/stores/author/B01KZ0QKA8/allbooksThe opening track is titled, “North Wind and the Sun” by Trevin P. To listen to and download the full track, click the following link. https://compilationsforhumanity.bandcamp.com/track/north-wind-and-the-sunPlease support today's podcast to keep this content coming! CashApp: $DomBrightmonDonate on PayPal: @DBrightmonBuy Me a Coffee: https://www.buymeacoffee.com/dombrightmonGet Going North T-Shirts, Stickers, and More: https://www.teepublic.com/stores/dom-brightmonThe Going North Advancement Compass: https://a.co/d/bA9awotYou May Also Like…Ep. 896 – From Mind to Manuscript with Maggie Mills (@takemaggiesword): https://www.goingnorthpodcast.com/ep-896-from-mind-to-manuscript-with-maggie-mills-takemaggiesword/Ep. 923 – How To Conquer Your Fears and Master Your Stories with Robert B. Foster (@RBF_Fitness): https://www.goingnorthpodcast.com/ep-923-how-to-conquer-your-fears-and-master-your-stories-with-robert-b-foster-rbf_fitness/Ep. 920 – The Surprisingly Simple Art of Getting It Done with Sam Bennett (@realsambennett): https://www.goingnorthpodcast.com/ep-920-the-surprisingly-simple-art-of-getting-it-done-with-sam-bennett-realsambennett/Ep. 453 – The Psychic Yellow Brick Road with Corbie Mitleid (@CorbieMitleid): https://www.goingnorthpodcast.com/ep-453-the-psychic-yellow-brick-road-with-corbie-mitleid-corbiemitleid/#GNPYear3Bonus Episode 5 – Money Honey with Rachel Richards (@MoneyHoneyRach): https://www.goingnorthpodcast.com/gnpyear3-bonus-episode-5-money-honey-with-rachel-richards-moneyhoneyrach/Ep. 509 - Exit Rich With Michelle Seiler Tucker (@MSeilerTucker): https://www.goingnorthpodcast.com/ep-509-exit-rich-with-michelle-seiler-tucker-mseilertucker/#HolidayBonus Ep. – Happy Money with Ken Honda (@KenHondaHappy): https://www.goingnorthpodcast.com/holiday-bonus-ep-happy-money-with-ken-honda-kenhondahappy/Ep. 765 – Love Yourself to Health with Pam Sherman: https://www.goingnorthpodcast.com/ep-765-love-yourself-to-health-with-pam-sherman/Ep. 497 – The Financial Mindset Fix with Joyce Marter (@Joyce_Marter): https://www.goingnorthpodcast.com/ep-497-the-financial-mindset-fix-with-joyce-marter-joyce_marter/100 - Habits of Highly Broke People with Dipo Adesina (@dipo_adesina): https://www.goingnorthpodcast.com/100-habits-of-highly-broke-people-with-dipo-adesina-dipo_adesina/Ep. 399 – Money Is An Energy Game with Madeline Gerwick (@MadelineGerwick): https://www.goingnorthpodcast.com/ep-399-money-is-an-energy/ Ep. 642 – #Financial Strategies for Service Industry Professionals with Barbara Sloan (@tippedfinance): https://tinyurl.com/zh6seje4

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
89 The Entreprenudist Podcast | Cameron Bishop: The Secret to a Successful Business Exit

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All

Play Episode Listen Later Jul 4, 2025 40:18 Transcription Available


The Entreprenudist Podcast | Cameron Bishop: The Secret to a Successful Business Exit   The Entreprenudist Podcast https://entreprenudist.com In this episode of The Entreprenudist Podcast, we're joined by Cameron Bishop, Managing Director at Raincatcher, to explore a topic every business owner needs to understand: “The Secret to a Successful Business Exit.” Whether you're planning to sell your company soon or years down the line, this conversation is packed with insights that could protect — and multiply — the value of your business.

Agency Intelligence
Stuff About Money: The Work/Home Divide: Setting Boundaries That Actually Stick

Agency Intelligence

Play Episode Listen Later Jul 1, 2025 46:01


As a high achiever, your work never really 'stops'—but should it? You feel pressure from the outside and from deep inside that you NEED to find balance. But balance seems elusive. Just when you feel you've found it, it's gone. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris, LMFT break down the myth of work-life balance, the cost of blurred boundaries, and how to set limits that work without guilt or career damage. Episode Highlights: Erik introduces the episode by framing the common struggle of work-life balance and the guilt that often surrounds it. (01:31) Matt discusses how high achievers often experience work creeping into home life and the need to define realistic boundaries. (03:56) Erik explains why he believes work-life balance is a myth and argues for alignment of values instead of perfect balance. (06:45) Matt shares his definition of balance: enjoying both work and home life without one impeding the other. (10:07) Matt emphasizes that integration, not perfection, is the key to sustaining relationships and success. (13:51) Matt explains how unresolved work stress affects sleep, health, and emotional presence. (17:52) Erik highlights the role of self-awareness and coaching in identifying when work is intruding on personal life. (19:20) Matt shares the importance of start-stop rituals and sacred times, noting their role in maintaining boundaries. (24:09) Matt encourages leaders to model healthy habits and communicate boundaries to both teams and clients. (27:31) Matt explains how setting boundaries may trigger guilt and discomfort, but it's a normal part of growth. (36:04) Key Quotes: “ Success shouldn't come at the cost of your personal life.” - Dr. Matt Morris, LMFT “The goal isn't balance or like getting the scales to be weighed. It was more of an alignment of value and purpose.” - Erik Garcia, CFP®, ChFC®, BFA™ “Create sacred times for your family and for personal priorities. These are things that are, for the most part, 99% of the time, non-negotiable.” - Dr. Matt Morris, LMFT Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris, LMFT Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Stuff About Money They Didn't Teach You In School
The Work/Home Divide: Setting Boundaries That Actually Stick

Stuff About Money They Didn't Teach You In School

Play Episode Listen Later Jul 1, 2025 44:16


As a high achiever, your work never really 'stops'—but should it? You feel pressure from the outside and from deep inside that you NEED to find balance. But balance seems elusive. Just when you feel you've found it, it's gone. In this episode, ⁠Erik Garcia⁠, CFP®, ChFC®, BFA™, and ⁠Dr. Matt Morris⁠, LMFT break down the myth of work-life balance, the cost of blurred boundaries, and how to set limits that work without guilt or career damage. Episode Highlights: Erik introduces the episode by framing the common struggle of work-life balance and the guilt that often surrounds it. (01:31) Matt discusses how high achievers often experience work creeping into home life and the need to define realistic boundaries. (03:56) Erik explains why he believes work-life balance is a myth and argues for alignment of values instead of perfect balance. (06:45) Matt shares his definition of balance: enjoying both work and home life without one impeding the other. (10:07) Matt emphasizes that integration, not perfection, is the key to sustaining relationships and success. (13:51) Matt explains how unresolved work stress affects sleep, health, and emotional presence. (17:52) Erik highlights the role of self-awareness and coaching in identifying when work is intruding on personal life. (19:20) Matt shares the importance of start-stop rituals and sacred times, noting their role in maintaining boundaries. (24:09) Matt encourages leaders to model healthy habits and communicate boundaries to both teams and clients. (27:31) Matt explains how setting boundaries may trigger guilt and discomfort, but it's a normal part of growth. (36:04) Key Quotes: “ Success shouldn't come at the cost of your personal life.” - Dr. Matt Morris, LMFT “The goal isn't balance or like getting the scales to be weighed. It was more of an alignment of value and purpose.” - Erik Garcia, CFP®, ChFC®, BFA™ “Create sacred times for your family and for personal priorities. These are things that are, for the most part, 99% of the time, non-negotiable.” - Dr. Matt Morris, LMFT Resources Mentioned: ⁠Cultivate Success Podcast Series Companion Handouts⁠ ⁠Dr. Matt Morris, LMFT⁠ ⁠Matt Morris & Associates⁠ ⁠Erik Garcia, CFP®, ChFC®, BFA™⁠ ⁠Xavier Angel, CFP®, ChFC, CLTC⁠ ⁠Plan Wisely Wealth Advisors⁠

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
88 Build the Business. Live the Life. Exit on Your Terms | Vince Perri | The Liquidity Event 2025

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All

Play Episode Listen Later Jun 30, 2025 27:08


Build the Business. Live the Life. Exit on Your Terms | Vince Perri | The Liquidity Event 2025   The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event June, 2025 | sponsored by Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys.  Vince Perri, CEO of Elite Resolutions, shares his powerful journey of building a thriving business with intention and vision. In his talk, “Build the Business. Live the Life. Exit on Your Terms,” Vince breaks down what it truly means to create a business that supports your lifestyle—and how to plan for the ultimate goal: a successful and purposeful exit. Whether you're just starting or scaling, his insights will help you focus on building with the end in mind. ------------------ Struggling with a denied or delayed insurance claim? Let the experts at Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys, help you get what you're owed. Visit https://insuranceclaimhq.com and take the first step toward the settlement you deserve.  Hosted by Randolph Love III, ChFC®, The Entreprenudist Podcast is a platform where real entrepreneurs and business owners bare it all. Ranked in the top 10% of business podcasts, it shares unfiltered stories, challenges, and triumphs, providing valuable insights for aspiring and seasoned business leaders alike.

Get Ready! with Tony Steuer
Financial Planners Must Understand Human Behavior!

Get Ready! with Tony Steuer

Play Episode Listen Later Jun 27, 2025 45:05


Send us a textOn this episode of The Get Ready Money Podcast, I spoke with Matt Goren, a leader in developing industry leading financial education about changing the way we think about financial planning education.In this episode we discussed:How psychology applies to financial planning. There are the same number of financial planners today as there was 10 years ago.How education accelerates a career in financial planning.How AI will improve financial planning education.Know your own value to whoever is going to be paying you. You should be paid for the value that you're bringing.Connect with Matt Goren, PhD CFP®:  LinkedIn (here) Referenced on the show:Compensation: Salary.com and Glassdoor.com Morgan Housel (here)Michael Kitces (here)The American College - CFP, ChFC and other designations -  (here)Bio: Matt J. Goren, PhD CFP® designs and delivers industry-leading financial planning education - at scale. His approach combines lessons from his own teaching experience with best practices in online education, artificial intelligence, and organizational psychology. He is an Investment News “40 under 40” and his courses and programs have won national awards from ThinkAdvisor, Investopedia, Yahoo! Finance, and the AFCPE. Matt is the Chief Strategy Officer for the Brett Danko Education Center, which helps thousands of current and future financial planners pass the CFP exam. Collectively, those folks go on to provide financial advice and planning to millions of people.Matt co-founded the Global Financial Planning Institute to promote competency in the cross-border financial planning space. In addition, he is a FinServ mentor and serves with the FPA and the AFS to advance financial planning education in higher education and to career changers around the world.Previously, Matt ran Dalton Education as VP of Financial Planning Education at CeriFi from 2023 to 2025. From 2022 to 2023, Matt worked at CFP Board as Director of Knowledge for Practice. From 2018 to 2022, he worked in a series of roles at The American College of Financial Services, culminating as the director of their CFP® and ChFC programs. From 2016 to 2018, he was a professor of personal finance at the University of Georgia. And, from 2016 to 2020, he created and produced the lighthearted personal finance show Nothing Funny About Money on NPR. Before switching careers to financial planning, Matt ran the psychology research consulting firm Beyond Berkeley and taught psychology and statistics courses at UC Berkeley and the University of Georgia.Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

Advanced Planning Sushi
Trust-Owned Annuities: From Basics to Pass In-Kind Wealth Transfers

Advanced Planning Sushi

Play Episode Listen Later Jun 24, 2025 9:43


Carlos Zarate, ChFC, from the AuguStar Advanced Planning Team reviews Trust-Owned Annuities: From Basics to Pass In-Kind Wealth Transfers.

Club Capital Leadership Podcast
Episode 473: From Lieutenant Colonel to Retirement Guru - Tom Hegna's Mathematical Path to Financial Security

Club Capital Leadership Podcast

Play Episode Listen Later Jun 23, 2025 30:29


We're thrilled to welcome Tom Hegna, CLU, ChFC, CASL, to Above the Business. Tom is widely recognized as THE leading expert speaker on optimal retirement solutions and has earned his reputation as the definitive Retirement Income Expert. With an impressive background as a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist, he brings a unique blend of military discipline, corporate leadership, and economic expertise to our conversation with Bradley.Tom has condensed his considerable knowledge into five groundbreaking books:Paychecks and Playchecks: Retirement Solutions for Life - This bestseller ranks in the top 1% of any book ever sold, making retirement planning accessible to millions.Retirement Income Masters: Secrets of the Pros - A compilation of the very best practices from the top retirement experts across the country.Paycheques and Playcheques: Retirement Solutions for Canadians - Bringing his expertise north of the border with solutions tailored for Canadian retirees.Don't Worry, Retire Happy! Seven Steps to Retirement Security - Based on his popular Public Television Special that has reached over 80 million homes in the US and Canada.Don't Worry, Retire Happy! Seven Steps to Retirement Security for Canadians - His most recent work, extending his proven methodology to Canadian audiences.When you listen, you will discover Tom's proven framework for creating optimal retirement income streams, learn why traditional retirement advice often falls short, and understand how to apply military-grade planning principles to civilian retirement challenges. His ability to make the complex simple while maintaining scientific rigor makes this episode essential listening for anyone serious about retirement security.

BootstrapMD - Physician Entrepreneurs Podcast
EP298: Financial Blind Spots Doctors Overlook (and How to Fix Them)

BootstrapMD - Physician Entrepreneurs Podcast

Play Episode Listen Later Jun 18, 2025 36:22 Transcription Available


This episode is sponsored by: My Financial Coach You trained to save lives who's helping you save your financial future? My Financial Coach connects physicians with CFP® Professionals who specialize in your complex needs. Whether it's crushing student loans, optimizing investments, or planning for retirement, you'll get a personalized strategy built around your goals. Save for a vacation home, fund your child's education, or prepare for life's surprises—with unbiased, advice-only planning through a flat monthly fee. No commissions. No conflicts. Just clarity. Visit: https://myfinancialcoach.com/bootstrapmd/ to meet your financial coach and find out if concierge planning is right for you. ____________ Dr. Mike Woo-Ming interviews Enpo Tu, COO of My Financial Coach, to discuss how physicians can avoid common financial missteps while building long-term wealth. Enpo explains the challenges physicians face around health insurance, tax planning, business structures, and financial advising, and how My Financial Coach provides unbiased, subscription-based financial planning without commissions or product sales. Together, they cover how to set up your business with an exit strategy in mind, when and why to create an LLC or S-corp, and how to vet whether your CPA is providing real value. Enpo also shares how My Financial Coach acts as "primary care for your finances," identifying early warning signs and coordinating with vetted experts across legal, tax, and investment disciplines. Three Actionable Takeaways: Start with the end in mind: Are you building to sell, building a legacy, or creating a personal income engine? Check whether you're taking only the standard deduction—if so, ask what your CPA is really doing for you. Focus on optimizing your taxes now for guaranteed returns, rather than worrying about what the markets or government may do. About the Guest: Enpo Tu is Chief Operating Officer at My Financial Coach, where he leads an education-first, process-driven financial coaching model tailored for physicians and high-net-worth professionals. With designations including CFP®, ChFC®, CLU®, CAP®, RICP®, and an MSFS degree, Enpo brings expertise across financial planning, insurance, estate, and retirement planning. Beyond his advisory work, he has led SEO and marketing strategies that have positioned My Financial Coach as a leading resource in the financial coaching space. Enpo regularly speaks and writes on topics such as physician finances, tax efficiency, entity structures, and practice ownership.

Agency Intelligence
Stuff About Money: Do You Even Need a Coach? Recognizing the Signs

Agency Intelligence

Play Episode Listen Later Jun 17, 2025 34:20


You're successful, driven, and operating at a high level—but something still feels off. Maybe you're stuck, overwhelmed, or just not seeing the growth you want. You can use help to get to the next level. Hiring a coach could be the missing piece. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris break down the difference between coaching, therapy, and mentorship, and how to self-assess whether coaching is the right move. Episode Highlights: Matt recalls hiring a golf coach when he felt stuck and needed help improving his score. (01:55) Erik describes hiring a business coach after realizing there were skills he hadn't yet developed. (05:10) Matt emphasizes the value of hiring a coach when you don't know what you don't know (06:27) Erik explains his natural drive to grow and his desire to learn from people ahead of him. (08:50) The two discuss how coaching can help with specific roadblocks or feelings of dissatisfaction. (12:43) Erik outlines how hiring a coach provided objective, emotionally detached insight for better decision-making. (14:00) Matt breaks down the differences between coaching and therapy, clarifying their distinct purposes. (18:00) They compare coaching to financial advising and mentorship, identifying key overlaps and distinctions. (20:45) Erik reflects on the loneliness of entrepreneurship and how coaching offers perspective and clarity. (28:51) Matt and Erik encourage listeners to explore coaching when feeling stuck, off-balance, or in need of accountability. (30:34) Key Quotes: “Coaching is a strategic partnership between me, you, and someone else who just needs to tackle some roadblock in their work life.” - Dr. Matt Morris “Every individual should sit down with a financial planner at least once in their life.” - Erik Garcia, CFP®, ChFC®, BFA™ “You can be content without being complacent. You could be content and still be ambitious to want to do something more.” - Dr. Matt Morris Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Stuff About Money They Didn't Teach You In School
Do You Even Need a Coach? Recognizing the Signs

Stuff About Money They Didn't Teach You In School

Play Episode Listen Later Jun 17, 2025 32:35


You're successful, driven, and operating at a high level—but something still feels off. Maybe you're stuck, overwhelmed, or just not seeing the growth you want. You can use help to get to the next level. Hiring a coach could be the missing piece. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris break down the difference between coaching, therapy, and mentorship, and how to self-assess whether coaching is the right move. Episode Highlights: Matt recalls hiring a golf coach when he felt stuck and needed help improving his score. (01:55) Erik describes hiring a business coach after realizing there were skills he hadn't yet developed. (05:10) Matt emphasizes the value of hiring a coach when you don't know what you don't know (06:27) Erik explains his natural drive to grow and his desire to learn from people ahead of him. (08:50) The two discuss how coaching can help with specific roadblocks or feelings of dissatisfaction. (12:43) Erik outlines how hiring a coach provided objective, emotionally detached insight for better decision-making. (14:00) Matt breaks down the differences between coaching and therapy, clarifying their distinct purposes. (18:00) They compare coaching to financial advising and mentorship, identifying key overlaps and distinctions. (20:45) Erik reflects on the loneliness of entrepreneurship and how coaching offers perspective and clarity. (28:51) Matt and Erik encourage listeners to explore coaching when feeling stuck, off-balance, or in need of accountability. (30:34) Key Quotes: “Coaching is a strategic partnership between me, you, and someone else who just needs to tackle some roadblock in their work life.” - Dr. Matt Morris “Every individual should sit down with a financial planner at least once in their life.” - Erik Garcia, CFP®, ChFC®, BFA™ “You can be content without being complacent. You could be content and still be ambitious to want to do something more.” - Dr. Matt Morris Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

The Retirement Learning Lab, with Van Richards, ChFC®
Social Security Tax Trap: How 85% of Your Benefits Could Be Taxable (And How to Save $4,000+)

The Retirement Learning Lab, with Van Richards, ChFC®

Play Episode Listen Later Jun 13, 2025 16:04


Send us a textAre you walking into a Social Security tax trap without even knowing it? In this eye-opening episode of The Retirement Learning Lab, I reveal why over 50% of Social Security recipients now pay taxes on their benefits - and more importantly, how you can avoid becoming one of them.What You'll Discover:The shocking history: Why Social Security taxation has exploded from 10% to 50%+ of recipientsThe "combined income" formula that catches most retirees off-guardReal case study: How I saved Margaret $3,400 per year in unexpected taxesBreaking news: A proposed $4,000 tax deduction that could save you $880+ annuallyThree proven strategies to minimize or eliminate Social Security taxesGeographic planning: How your state choice can save thousandsKey Takeaways:Social Security benefits can be up to 85% taxable at the federal levelThe taxation thresholds haven't been adjusted for inflation since 1984Strategic income planning can dramatically reduce your tax burdenRoth conversions, income timing, and geographic planning are powerful toolsThis episode is packed with actionable strategies you can implement today to protect your Social Security benefits from unnecessary taxation.Resources Mentioned:Free Complete Social Security Planning Guide: socialsecurityguide.richardsfinancialplanning.comIRS Publication 915 (Social Security taxation details)Social Security Administration calculators at ssa.govImportant Disclaimer: This content is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult with qualified professionals for your specific situation.About Your Host: Van Richards, ChFC®, RICP®, is a Chartered Financial Consultant with over 30 years of experience helping people navigate retirement planning. He's the creator of the "Insecure to In Control" retirement planning framework.Connect with The Retirement Learning Lab:

Wake Up To Your Wealth with Julie Murphy
Be Yourself and Everything Will Fall Into Place

Wake Up To Your Wealth with Julie Murphy

Play Episode Listen Later Jun 12, 2025 5:04


It's supposed to be easy when you are in the flow, and that's when you know you're in soul alignment. ✨ Feel the inner peace as you realize things don't have to be so hard, embracing change and trusting the universe. Discover the power of this wisdom!Discover the power of a heart-centered approach! Join my free workshop where you'll share your challenges and gain valuable insights to move forward. Sign up for the workshop here: https://www.impactyourlifenow.com/impact-workshop-registration-evergreen-newsletterGet my audio book! https://www.impactyourlifenow.com/ayw-book-order-pageThe Four Spiritual Laws of Money: https://www.impactyourlifenow.com/the-4-spiritual-laws-of-moneyJoin Julie on her mission to heal the world financially.Julie Murphy CLU, ChFC, CFP®, is an independent CERTIFIED FINANCIAL PLANNER™, author, and media expert who wants you to heal your emotions to prosper financially and in life.To Schedule Julie on Your YouTube or Podcast Show... Please email Julie at Julie@JulieMurphy.comhttps://juliemurphy.com/Join our community on social media!http://facebook.com/AwakenWithJuliehttps://www.tiktok.com/@awakenwithjuliehttp://Instagram.com/AwakenWithJuliehttps://www.youtube.com/c/JulieMurphyhttps://anchor.fm/juliemurphyhttp://Twitter.com/AwakenWithJuliehttps://www.linkedin.com/in/juliemariemurphy00:00 Introduction00:10 Be Yourself and Everything Will Fall Into Place04:28 The EndTOO MANY PEOPLE HAVE FEARS AND OTHER UNHEALTHY EMOTIONS AROUND MONEY. Whether you were born rich, poor, or somewhere in between, money has always been an integral part of your life. However, too many people have fears and other unhealthy emotions around money. These debilitating beliefs are often subconscious, shaped by a lifetime of early experiences seen through other people—not based on objective reality. So can you break free from these restrictive beliefs and emotions, be able to “dream big,”—and actually accomplish your hopes and dreams? The answer is yes: Now, there is a way to harness the powerful energy around money and build real wealth.Beyond Your Wildest Dreams, LLC has no affiliation with LPL Financial, Sequoia Wealth Management, or JMC Wealth Management, Inc.

Mindset Mastery Podcast by NAPFA
Leveling Up: Scott Levin on Lifelong Learning, Leadership, and Community at NAPFA – Episode #30 of NAPFA Nation

Mindset Mastery Podcast by NAPFA

Play Episode Listen Later Jun 10, 2025 15:25


In Episode #30 of NAPFA Nation, host Marie Swift speaks with Scott Levin, J.D., LL.M., MBA, CFP®, ChFC®, CAP®, MCEP®, Financial Advisor and Senior Estate Planning Specialist at Wescott Financial Group. Levin shares his passion for lifelong learning, the value of advanced education, and the importance of networking within the fee-only financial planning community. The duo discusses upcoming NAPFA conferences, which are designed to offer a wide range of educational content, from beginner to advanced topics, and enhanced networking opportunities. Levin explains how these events help advisors stay current, share best practices, and build professional relationships. Levin also highlights the unique value of working with NAPFA advisors, who are fee-only fiduciaries committed to high ethical standards and continuous improvement. He also shares his motivation for active involvement in NAPFA, including a desire to mentor others and foster a collaborative community. In a nutshell: The power of lifelong learning and credentials     Comprehensive, evolving NAPFA conference programming Motivation, mentorship, and professional fulfillment The fiduciary advantage of working with a NAPFA Advisor 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 www.NAPFA.org.

Wake Up To Your Wealth with Julie Murphy
Can Money Really Be Just Energy? // Conversation with Leisa Peterson

Wake Up To Your Wealth with Julie Murphy

Play Episode Listen Later Jun 6, 2025 30:26


Leisa Peterson is a money mindset coach, author, and financial educator who helps people transform their relationship with money. With over 25 years of experience in financial services, she founded WealthClinic to help people overcome financial anxiety and build wealth from a holistic perspective. Leisa is the author of "The Mindful Millionaire" and hosts The Art of Abundance podcast. She combines practical financial strategies with mindfulness practices to help clients create lasting abundance.Website: https://wealthclinic.com/The Money Catalyst Book: https://moneycatalystbook.com/ FREE GIFTS including 47 page journal and 10+ guided meditations for book purchase by filling out simple opt-in.o Instagram: https://www.instagram.com/leisapeterson/o LinkedIn: https://www.linkedin.com/in/leisapeterson/o Facebook: https://www.facebook.com/leisapetersoncoach/o YouTube: https://www.youtube.com/c/LeisaPetersonWealthClinicDiscover the power of a heart-centered approach! Join my free workshop where you'll share your challenges and gain valuable insights to move forward. Sign up for the workshop here: https://www.impactyourlifenow.com/impact-workshop-registration-evergreen-newsletterGet my audio book! https://www.impactyourlifenow.com/ayw-book-order-pageThe Four Spiritual Laws of Money: https://www.impactyourlifenow.com/the-4-spiritual-laws-of-moneyJoin Julie on her mission to heal the world financially.Julie Murphy CLU, ChFC, CFP®, is an independent CERTIFIED FINANCIAL PLANNER™, author, and media expert who wants you to heal your emotions to prosper financially and in life.To Schedule Julie on Your YouTube or Podcast Show... Please email Julie at Julie@JulieMurphy.comhttps://juliemurphy.com/Join our community on social media!http://facebook.com/AwakenWithJuliehttps://www.tiktok.com/@awakenwithjuliehttp://Instagram.com/AwakenWithJuliehttps://www.youtube.com/c/JulieMurphyhttps://anchor.fm/juliemurphyhttp://Twitter.com/AwakenWithJuliehttps://www.linkedin.com/in/juliemariemurphyTOO MANY PEOPLE HAVE FEARS AND OTHER UNHEALTHY EMOTIONS AROUND MONEY. Whether you were born rich, poor, or somewhere in between, money has always been an integral part of your life. However, too many people have fears and other unhealthy emotions around money. These debilitating beliefs are often subconscious, shaped by a lifetime of early experiences seen through other people—not based on objective reality. So can you break free from these restrictive beliefs and emotions, be able to “dream big,”—and actually accomplish your hopes and dreams? The answer is yes: Now, there is a way to harness the powerful energy around money and build real wealth.Beyond Your Wildest Dreams, LLC has no affiliation with LPL Financial, Sequoia Wealth Management, or JMC Wealth Management, Inc.

Agency Intelligence
Stuff About Money: Episode 90: Complex Isn't Better: Rethinking Your Financial Plan

Agency Intelligence

Play Episode Listen Later Jun 3, 2025 25:51


Why do we assume something has to be complicated to be valuable? That question sparked a spontaneous recording session after ⁠Erik Garcia⁠, CFP®, ChFC®, BFA™, walked into ⁠Xavier Angel⁠'s office to unload a bit of planner frustration. Joined by co-host Xavier Angel, CFP®, ChFC®, CLTC, the two dive into the false narrative that complexity equals effectiveness when it comes to financial planning. Spoiler: it doesn't. In this unscripted and honest conversation, Erik and Xavier explore why simplicity should always be the starting point in financial planning. They break down the difference between necessary complexity and unnecessary confusion—and how chasing sophistication too soon can sabotage progress. If you've ever felt overwhelmed by your financial plan (or someone tried to impress you with one), this episode is for you. Follow the show and share it with someone who needs a little more clarity and a lot less clutter. Episode Highlights: Erik explains the myth that complexity is better than simplicity in financial planning and why he disagrees. (01:19) Xavier explains how some software can be manipulated to justify a particular product sale through overwhelming documentation. (05:02) Erik emphasizes the hidden long-term costs and commitments associated with complex strategies. (07:00) Erik highlights the importance of considering future flexibility and whether the strategy can be explained simply. (10:36) Xavier stresses the value of collaboration and asking the right questions to ensure solutions match the actual problem. (11:41) Erik shares why understanding and simplicity matter, as they increase commitment and long-term success. (12:48) Xavier emphasizes the need to revisit financial strategies regularly as life circumstances change. (18:00) Erik explains how changing laws can render complex strategies obsolete or burdensome over time. (19:08) Erik encourages listeners to push for clarity and not be swayed by flashy but ineffective financial plans. (21:00) Key Quotes: “We like complexity, we like that kind of stuff. It feeds our ego, but man, simplicity generally wins out.” - Erik Garcia, CFP®, BFA “If you're being presented a financial plan, ask questions, push for understanding, don't settle for whatever the advisor or the planner is presenting, just because it sounds good, complex does not equal effective, don't let it feed your ego.” - Erik Garcia, CFP®, BFA “If you don't know what the problem is that you're trying to solve, it's hard to come up with a solution that's going to fit that specific one.” - Xavier Angel, CFP®, ChFC, CLTC Resources Mentioned: ⁠Erik Garcia, CFP®, BFA⁠ ⁠Xavier Angel, CFP®, ChFC, CLTC⁠ ⁠Plan Wisely Wealth Advisors⁠

Stuff About Money They Didn't Teach You In School
Episode 90: Complex Isn't Better: Rethinking Your Financial Plan

Stuff About Money They Didn't Teach You In School

Play Episode Listen Later Jun 3, 2025 24:06


Why do we assume something has to be complicated to be valuable? That question sparked a spontaneous recording session after Erik Garcia, CFP®, ChFC®, BFA™, walked into Xavier Angel's office to unload a bit of planner frustration. Joined by co-host Xavier Angel, CFP®, ChFC®, CLTC, the two dive into the false narrative that complexity equals effectiveness when it comes to financial planning. Spoiler: it doesn't. In this unscripted and honest conversation, Erik and Xavier explore why simplicity should always be the starting point in financial planning. They break down the difference between necessary complexity and unnecessary confusion—and how chasing sophistication too soon can sabotage progress. If you've ever felt overwhelmed by your financial plan (or someone tried to impress you with one), this episode is for you. Follow the show and share it with someone who needs a little more clarity and a lot less clutter. Episode Highlights: Erik explains the myth that complexity is better than simplicity in financial planning and why he disagrees. (01:19) Xavier explains how some software can be manipulated to justify a particular product sale through overwhelming documentation. (05:02) Erik emphasizes the hidden long-term costs and commitments associated with complex strategies. (07:00) Erik highlights the importance of considering future flexibility and whether the strategy can be explained simply. (10:36) Xavier stresses the value of collaboration and asking the right questions to ensure solutions match the actual problem. (11:41) Erik shares why understanding and simplicity matter, as they increase commitment and long-term success. (12:48) Xavier emphasizes the need to revisit financial strategies regularly as life circumstances change. (18:00) Erik explains how changing laws can render complex strategies obsolete or burdensome over time. (19:08) Erik encourages listeners to push for clarity and not be swayed by flashy but ineffective financial plans. (21:00) Key Quotes: “We like complexity, we like that kind of stuff. It feeds our ego, but man, simplicity generally wins out.” - Erik Garcia, CFP®, BFA “If you're being presented a financial plan, ask questions, push for understanding, don't settle for whatever the advisor or the planner is presenting, just because it sounds good, complex does not equal effective, don't let it feed your ego.” - Erik Garcia, CFP®, BFA “If you don't know what the problem is that you're trying to solve, it's hard to come up with a solution that's going to fit that specific one.” - Xavier Angel, CFP®, ChFC, CLTC Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
87 The Entrepreneur Mindset with Tim Brown of HookAgency.com

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All

Play Episode Listen Later Jun 2, 2025 54:28


The Entrepreneur Mindset with Tim Brown of HookAgency.com   The Entreprenudist Podcast https://entreprenudist.com In this episode of the Entreprenudist Podcast, Tim Brown, entrepreneur and CEO of HookAgency.com, shares his journey of building a successful digital marketing agency from the ground up. He opens up about the realities of entrepreneurship—the challenges, the turning points, and the lessons that have shaped his business and leadership style. Tim also gives valuable advice for business owners and aspiring entrepreneurs looking to grow and thrive. In this episode, you'll learn: -Tim's entrepreneurial journey and growth of HookAgency.com -Key challenges he faced and how he overcame them -Lessons every business owner should know -Tips for building a resilient and purpose-driven company This episode is packed with insight and inspiration for anyone on the path of entrepreneurship. Welcome to ShieldWolf Strongholds —

Talk Money, Presented by Shoemaker Financial
“Washington – On the Hill,” “Savvy Strategies for Your Health Savings Account,” and “Important Investment Lessons”

Talk Money, Presented by Shoemaker Financial

Play Episode Listen Later May 31, 2025 49:00


Talk Money with Jim ShoemakerJoin as Jim Shoemaker and Greg Valliere for a discussion on current events in Washington - On the Hill. Michael Powell will share insights in Savvy Strategies for Your Health Savings Account, and Ted Minor will present Important Investment Lessons.                            "Helping You Make the Most of Your Money”Jim Shoemaker, CFP, ChFC, is an investment advisor representative offering advisory services through Cetera Investment Advisers, a registered investment adviser. Securities offered through Cetera Advisor Networks, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Shoemaker Financial is independently owned and operated. 2176 West St, Ste. 100, Germantown, TN 38138

Talk Money, Presented by Shoemaker Financial
“Healthcare Economics and the Crisis We Face” and “Social Security- Are there any upcoming changes?”

Talk Money, Presented by Shoemaker Financial

Play Episode Listen Later May 24, 2025 49:00


Talk Money with Jim ShoemakerJoin as Jim Shoemaker, Kurt Czarnowski, and Scott Jordan as they answer your questions about “Social Security – Are there any upcoming changes?” Colin Green has important information regarding “Healthcare Economics and the Crisis We Face.”                                   "Helping You Make the Most of Your Money”Jim Shoemaker, CFP, ChFC, is an investment advisor representative offering advisory services through Cetera Investment Advisers, a registered investment adviser. Securities offered through Cetera Advisor Networks, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Shoemaker Financial is independently owned and operated. 2176 West St, Ste. 100, Germantown, TN 38138

Get Ready! with Tony Steuer
Revolutionize Insurance Agent Success with Better Training!

Get Ready! with Tony Steuer

Play Episode Listen Later May 23, 2025 44:01


Send us a textOn this episode of The Get Ready Money Podcast, I spoke with Derek Notman, Adam Holt and Dick Weber about changing the way we think about life insurance agent training, retention and compensation. In this episode we discussed:Why life insurance agents struggle to succeed.The compensation structure is at the heart of the issue and needs to be revamped. Very few agents are taught to sell, rather than to service.Consumers need a fiduciary advisor to tell them what insurance they have.Advisors need to facilitate the conversation.We are in a people business and we need technology that facilitates great human connection.Connect with Adam Holt:Websites: (Asset Map) (Rubin Goldman and Associates) LinkedIn: (here) Connect with Derek Notman:LinkedIn:(here)Couplr.ai: (here) Connect with Dick Weber:Website (here)LinkedIn (here)  Podcast: ReThink. Financial Advice podcast with Adam Holt and Derek Notman (here) (YouTube)Bios: H. Adam Holt, CFP, ChFC is the CEO and Founder of Asset Map. Adam has been a financial advisor for over 25 years, during which time he has helped build and manage his wealth management firm to over $1.2B in assets under management. Adam is known for his early adoption of technology to build trend-setting client experiences. This mindset led him to found Asset-Map, a financial technology firm dedicated to creating engaging visual communication tools used throughout the customer and advisor journey and now used by thousands of advisors worldwide and over 1M consumers. Adam is also the co-host of Rethink the Financial Advisor PodcastDerek Notman is a the Founder & CEO of Couplr AI. Using data science and flip-flop-inspired thinking, we're tackling client acquisition & orphan client problems in the investment and insurance industries. Derek is the co-host of Rethink Financial Advice Podcast: We question everything about financial advice, because sometimes the best way to fix things is to laugh at them first.Richard M. Weber, MBA, CLU®, AEP® (Distinguished) is an Insurance Fiduciary® providing fee-only life insurance expertise to individuals, families and businesses seeking to make smart decisions about buying and managing their life insurance assets. Dick was the 2012-2013 President of the Society of FSP. A 58-year veteran of the life insurance industry, he has been a successful agent, an insurance company executive, and now is one of just a handful of fee-only insurance experts in the U.S.  Author of more than 350 articles encompassing products, sales practices, and the due diligence necessary to buy and place insurance and annuities.  Dick currently serves as a Consumer Representative to the NAIC and is a member of the Standards Resource Commission of the CFP Board.Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

Smart Money Circle
Don't Mistake Risk For Stress: Direxion's CEO Douglas Yones on Risk, Reward, and Leveraged ETFs

Smart Money Circle

Play Episode Listen Later May 22, 2025 60:19


Don't Mistake Risk For Stress: Direxion's CEO Douglas Yoneson Risk, Reward, and Leveraged ETFsGuest: Douglas Yones CEO of DirexionCompany: Direxion ETFWebsite: https://www.direxion.com/ AUM: $50 BillionBio:As CEO of Direxion, Douglas Yones spearheads the company's strategic growth, overseeing innovative ETF solutions for retail and institutional investors. He drives partnerships with regulators and distribution channels to solidify Direxion's leadership in Leveraged and Non-traditional ETFs. With decades of expertise in asset management, ETF structures, capital markets, and compliance, Douglas serves on Direxion's Executive Management Committee.Previously, Douglas was Head of Exchange Traded Products at the New York Stock Exchange, managing listings for ETPs, Closed-End Funds, and SPACs. His tenure included supporting over 2,000 ETF launches and consulting with more than 250 asset managers on their inaugural funds. Before that, Douglas spent 17 years at Vanguard, leading Domestic Equity Indexing/ETF Product Management and contributing to ETF development across the United States, Canada, Europe, Latin America, Asia and Australia.Douglas holds a ChFC®, CETF®, an MBA from Villanova, and a bachelor's degree from Penn State. A FINRA-registered Options and General Securities Principal, he is a prominent advocate for ETF investor education globally. His contributions include the creation of ETFcentral.com, furthering the development and adoption of the Certified ETF Advisor CETF® program, and producing educational content via podcasts and digital platforms to advance ETF adoption and understanding for investors worldwide.Note: Please Read The Full Disclaimer On The Company's Website:An investor should carefully consider a Fund's investment objective, risks, charges, and expenses before investing. A Fund's prospectus and summary prospectus contain this and other information about the Direxion Shares. Click here to obtain a Fund's prospectus and summary prospectus or call 866-476-7523. A Fund's prospectus and summary prospectus should be read carefully before investing.Leveraged and Inverse ETFs pursue daily leveraged investment objectives which means they are riskier than alternatives which do not use leverage. They seek daily goals and should not be expected to track the underlying index over periods longer than one day. They are not suitable for all investors and should be utilized only by sophisticated investors who understand leverage risk and who actively manage their investments.Direxion Funds Risks — An investment in the Funds involves risk, including the possible loss of principal. The Funds are non-diversified and include risks associated with concentration risk which results from the Funds' investments in a particular industry or sector and can increase volatility over time. Active and frequent trading associated with a regular rebalance of a fund can cause the price to fluctuate, therefore impacting its performance compared to other investment vehicles. For other risks including correlation, compounding, market volatility and risks specific to an industry or sector, please read the prospectus.Direxion Shares ETF Risks — An investment in the ETFs involves risk, including the possible loss of principal. The ETFs are non-diversified and include risks associated with concentration that results from an ETF's investments in a particular industry, sector or company, which can increase volatility... The rest of the disclaimer is on the company's website

Agency Intelligence
Stuff About Money: Episode 89: Prepare for Future Spending by Practicing the Payment

Agency Intelligence

Play Episode Listen Later May 20, 2025 15:20


In this episode of the Stuff About Money They Didn't Teach You in School podcast, host ⁠⁠Erik Garcia⁠⁠, CFP®, ChFC®, BFA™, shares a practical financial strategy he personally uses—what he calls practicing your future payment. Whether you're planning to buy a home, send a child to college, or take on any significant financial commitment, Erik walks through how simulating that future expense now can reduce stress, build confidence, and help you make smarter money decisions. Plus, he dives into the psychology behind this tactic, including why naming a savings account after your future goal can be surprisingly powerful. Erik outlines three reasons to practice your future payment and three key benefits that come from doing it, including building a custom emergency fund and creating margin before you need it. Backed by behavioral research and real-world application, this episode offers a clear, actionable approach to preparing for life's financial milestones. If this helps you, share it with someone else who's facing a big financial decision, and don't forget to follow the show for more thoughtful money strategies. Episode Highlights: Erik explains the idea of planning for predictable future expenses by simulating those costs in advance. (01:00) Erik outlines three reasons to practice future payments: stress testing your budget, building confidence, and evaluating the decision's wisdom. (01:43) Erik shares the mechanics of how to implement the strategy using a named savings account and automatic transfers. (04:00) Erik provides examples of future costs like buying a house, a car, or college tuition, and explains how to simulate those payments. (04:48) Erik highlights the benefits: building a savings buffer, easing financial transitions, and creating financial margin. (06:27) Erik references research on “episodic future thinking” and its impact on behavior and reduced money-related stress. (09:00) Key Quotes: “I'm speaking as a fellow sojourner with you, someone who is actively trying to manage their finances better.” - Erik Garcia, CFP®, BFA “You're building in some space financially that if things go wrong, you've got money set aside in savings.” - Erik Garcia, CFP®, BFA Resources Mentioned: ⁠⁠Erik Garcia, CFP®, BFA⁠⁠ ⁠⁠Xavier Angel, CFP®, ChFC, CLTC⁠⁠ ⁠⁠Plan Wisely Wealth Advisors⁠⁠

Stuff About Money They Didn't Teach You In School
Episode 89: Prepare for Future Spending by Practicing the Payment

Stuff About Money They Didn't Teach You In School

Play Episode Listen Later May 20, 2025 13:35


In this episode of the Stuff About Money They Didn't Teach You in School podcast, host ⁠Erik Garcia⁠, CFP®, ChFC®, BFA™, shares a practical financial strategy he personally uses—what he calls practicing your future payment. Whether you're planning to buy a home, send a child to college, or take on any significant financial commitment, Erik walks through how simulating that future expense now can reduce stress, build confidence, and help you make smarter money decisions. Plus, he dives into the psychology behind this tactic, including why naming a savings account after your future goal can be surprisingly powerful. Erik outlines three reasons to practice your future payment and three key benefits that come from doing it, including building a custom emergency fund and creating margin before you need it. Backed by behavioral research and real-world application, this episode offers a clear, actionable approach to preparing for life's financial milestones. If this helps you, share it with someone else who's facing a big financial decision, and don't forget to follow the show for more thoughtful money strategies. Episode Highlights: Erik explains the idea of planning for predictable future expenses by simulating those costs in advance. (01:00) Erik outlines three reasons to practice future payments: stress testing your budget, building confidence, and evaluating the decision's wisdom. (01:43) Erik shares the mechanics of how to implement the strategy using a named savings account and automatic transfers. (04:00) Erik provides examples of future costs like buying a house, a car, or college tuition, and explains how to simulate those payments. (04:48) Erik highlights the benefits: building a savings buffer, easing financial transitions, and creating financial margin. (06:27) Erik references research on “episodic future thinking” and its impact on behavior and reduced money-related stress. (09:00) Key Quotes: “I'm speaking as a fellow sojourner with you, someone who is actively trying to manage their finances better.” - Erik Garcia, CFP®, BFA “You're building in some space financially that if things go wrong, you've got money set aside in savings.” - Erik Garcia, CFP®, BFA Resources Mentioned: ⁠Erik Garcia, CFP®, BFA⁠ ⁠Xavier Angel, CFP®, ChFC, CLTC⁠ ⁠Plan Wisely Wealth Advisors⁠

Talk Money, Presented by Shoemaker Financial
“Disability Insurance and Why This is Important” and “Scam School - The Most Recent Known Local Scams”

Talk Money, Presented by Shoemaker Financial

Play Episode Listen Later May 17, 2025 49:00


Talk Money with Jim ShoemakerJoin as Jim Shoemaker, Gregg Beeber and Scott Jordan as they answer your questions about “Disability Insurance and Why This is Important.” Daniel Irwin is here to take us to “Scam School” and update us on the most recent local scams.                                   "Helping You Make the Most of Your Money”Jim Shoemaker, CFP, ChFC, is an investment advisor representative offering advisory services through Cetera Investment Advisers, a registered investment adviser. Securities offered through Cetera Advisor Networks, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Shoemaker Financial is independently owned and operated. 2176 West St, Ste. 100, Germantown, TN 38138

Shares
Ep. 31: Planning for Healthcare Costs in Retirement

Shares

Play Episode Listen Later May 13, 2025 24:11


In this special episode recorded live at The College's Horizons 2025 conference, Lindsey Lewis, MBA, CFP®, ChFC®, managing director and chair of the American College Center for Women in Financial Services, speaks with healthcare professional turned financial educator Carolyn McClanahan, CFP® on how financial professionals can work with clients to maximize their healthcare benefits and avoid costly mistakes. They also discuss the unique challenges facing women in situations where spouses require long-term care or other financial considerations, as well as important elements to focus on in planning with clients such as Medicare/Medicaid, deductibles, tax implications, and more. Find all episodes now at TheAmericanCollege.edu/Shares.

The Military Money Manual Podcast
Is Military Retirement Worth It? | Valuing Military Retirement w/ The Enlisted Money Guy, Brandon Lovingier #174

The Military Money Manual Podcast

Play Episode Listen Later May 12, 2025 34:21


The military retirement is one of the best benefits in the world... but is it worth the cost in years of your life? Summary: How is military retirement pay calculated Military retirement can be worth at least $1,500,000! Benefits for military retirees Intangible benefits of military service What veterans miss about the military after retirement Links: Enlisted Money @enlistedmoneyguy on Instagram Brandon's blog post- Is Doing 20 Years in the Military Worth it? past episodes w/ Brandon include: ep 96- Enlisted Money Basics ep 128- Continuation Pay ep 143- DCFSA Brandon Lovingier, ChFC®, MQFP®, joined the Army right out of high school and has served over 19 years. He wasn't always good with money, but now his family is debt-free and building wealth. He established Enlisted Money to help enlisted service members avoid his mistakes. He earned his Chartered Financial Consultant – ChFC® designation in 2022 and Military Qualified Financial Planner – MQFP® in 2023. He received The American College of Financial Services NextGen Financial Professional Award for 2024. He's spoken at MilMoneyCon and loves mentoring other service members on their own financial freedom journey. For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Agency Intelligence
Stuff About Money: Episode 88: Parent PLUS vs. Private College Loans with John Hupalo

Agency Intelligence

Play Episode Listen Later May 6, 2025 46:51


In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, welcomes back longtime guest and college funding expert John Hupalo from MyCollegeCorner.com. As Erik navigates the emotional rollercoaster of planning for his own child's college costs, he brings listeners along for a candid conversation about the realities of paying for school when savings and cash flow aren't enough. From the tension between dreams and debt to that Rodrigue Blue Dog artwork hanging behind John in New York, this episode blends practical advice with real-world emotion. Erik and John dive deep into the differences between federal Parent PLUS loans and private student loans—unpacking the risks, benefits, repayment structures, and emotional consequences of each. They also share smart strategies for comparing options, planning payments, and managing expectations. Whether you're a parent feeling overwhelmed or a financial professional advising clients, this conversation is packed with insight. If you enjoy the episode, follow the show and share it with someone navigating the same road. Episode Highlights: Erik opens up about the emotional and financial challenges of navigating college costs as both a financial advisor and a parent. (01:19) John explains the three ways families can pay for college: saving, cash-flowing, or borrowing—emphasizing this discussion focuses on borrowing options beyond federal student loans. (02:28) Erik and John discuss the potential dangers of Parent PLUS loans and explain why parents must understand the loan structure and long-term implications before committing. (09:30) John shares how private loans differ from Parent PLUS loans, including credit-based underwriting, variable rates, and the absence of origination fees. (17:01) Erik encourages “practicing the payment” as a proactive strategy—making mock loan payments in advance to test affordability before borrowing. (36:29) John suggests reducing market risk by shifting 529 funds to conservative options in advance of college payments. (38:01) They stress the value of planning for contingencies, including hidden risks like a student withdrawing mid-semester, and mention TuitionGuard as a resource to explore. (39:44) Key Quotes: “You just got to really be careful how far you're willing to reach for your, your students' dreams.” - John Hupalo “This is the time to be realistic and throughout the optimism, throughout the pessimism, and get the family together and talk about what can actually happen.” - John Hupalo Resources Mentioned: John Hupalo Invite Education MyCollegeCorner.com Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Stuff About Money They Didn't Teach You In School
Episode 88: Parent PLUS vs. Private College Loans with John Hupalo

Stuff About Money They Didn't Teach You In School

Play Episode Listen Later May 6, 2025 45:06


In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, welcomes back longtime guest and college funding expert John Hupalo from MyCollegeCorner.com. As Erik navigates the emotional rollercoaster of planning for his own child's college costs, he brings listeners along for a candid conversation about the realities of paying for school when savings and cash flow aren't enough. From the tension between dreams and debt to that Rodrigue Blue Dog artwork hanging behind John in New York, this episode blends practical advice with real-world emotion. Erik and John dive deep into the differences between federal Parent PLUS loans and private student loans—unpacking the risks, benefits, repayment structures, and emotional consequences of each. They also share smart strategies for comparing options, planning payments, and managing expectations. Whether you're a parent feeling overwhelmed or a financial professional advising clients, this conversation is packed with insight. If you enjoy the episode, follow the show and share it with someone navigating the same road. Episode Highlights: Erik opens up about the emotional and financial challenges of navigating college costs as both a financial advisor and a parent. (01:19) John explains the three ways families can pay for college: saving, cash-flowing, or borrowing—emphasizing this discussion focuses on borrowing options beyond federal student loans. (02:28) Erik and John discuss the potential dangers of Parent PLUS loans and explain why parents must understand the loan structure and long-term implications before committing. (09:30) John shares how private loans differ from Parent PLUS loans, including credit-based underwriting, variable rates, and the absence of origination fees. (17:01) Erik encourages “practicing the payment” as a proactive strategy—making mock loan payments in advance to test affordability before borrowing. (36:29) John suggests reducing market risk by shifting 529 funds to conservative options in advance of college payments. (38:01) They stress the value of planning for contingencies, including hidden risks like a student withdrawing mid-semester, and mention TuitionGuard as a resource to explore. (39:44) Key Quotes: “You just got to really be careful how far you're willing to reach for your, your students' dreams.” - John Hupalo “This is the time to be realistic and throughout the optimism, throughout the pessimism, and get the family together and talk about what can actually happen.” - John Hupalo Resources Mentioned: John Hupalo Invite Education MyCollegeCorner.com Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All
79 Will vs. Trust: Secure Your Legacy with Randolph Love III | The Entreprenudist Podcast

The Entreprenudist Podcast: The Place To Hear Real Entrepreneurs & Business Owners Bare It All

Play Episode Listen Later May 4, 2025 54:47


Will vs. Trust: Secure Your Legacy with Randolph Love III | The Entreprenudist Podcast   The Entreprenudist Podcast https://entreprenudist.com In this episode, Randolph Love III, ChFC®, CLU®, FLMI, CPCU—founder of ShieldWolf Strongholds—shares insights on the importance of estate planning and the roles of Wills and Living Trusts in securing your legacy with the residents of Lenox Cove Apartments in Jacksonville, Florida; orgaized by Trinisia “Trish” White of Project Access Resource Centers. Whether you're beginning your wealth-building journey or looking to protect existing assets, this discussion offers valuable considerations for your financial future. Explore Strategic Wealth Protection: Discover how ShieldWolf Strongholds can assist you with business exit planning, tax-free retirement strategies, and legacy building—all through a seamless, fully virtual process.

Talk Money, Presented by Shoemaker Financial
“Update on Social Security for 2025; Silencing the Noise” and “Ways to Stay Confident in Retirement”

Talk Money, Presented by Shoemaker Financial

Play Episode Listen Later Apr 26, 2025 49:00


Talk Money with Jim ShoemakerJoin as Jim Shoemaker, Kurt Czarnowski, and Scott Jordan dive into an “Update for Social Security 2025.” How do we silence the noise? Abby Wilson helps with “Ways to Stay Confident in Retirement.”                                 "Helping You Make the Most of Your Money”Jim Shoemaker, CFP, ChFC, is an investment advisor representative offering advisory services through Cetera Investment Advisers, a registered investment adviser. Securities offered through Cetera Advisor Networks, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Shoemaker Financial is independently owned and operated. 2176 West St, Ste. 100, Germantown, TN 38138

Wake Up To Your Wealth with Julie Murphy
Find the Courage to Be Your True Self

Wake Up To Your Wealth with Julie Murphy

Play Episode Listen Later Apr 24, 2025 4:02


Find the courage to be your true self! This may be hard to do since many of us are used to putting the others around us first. But when we make the change to be our true selves and put ourselves first, the benefits are endless!Discover the power of a heart-centered approach! Join my free workshop where you'll share your challenges and gain valuable insights to move forward. Sign up for the workshop here: https://www.impactyourlifenow.com/impact-workshop-registration-evergreen-newsletterGet my audio book! https://www.impactyourlifenow.com/ayw-book-order-pageThe Four Spiritual Laws of Money: https://www.impactyourlifenow.com/the-4-spiritual-laws-of-moneyJoin Julie on her mission to heal the world financially.Julie Murphy CLU, ChFC, CFP®, is an independent CERTIFIED FINANCIAL PLANNER™, author, and media expert who wants you to heal your emotions to prosper financially and in life.To Schedule Julie on Your YouTube or Podcast Show... Please email Julie at Julie@JulieMurphy.comhttps://juliemurphy.com/Join our community on social media!http://facebook.com/AwakenWithJuliehttps://www.tiktok.com/@awakenwithjuliehttp://Instagram.com/AwakenWithJuliehttps://www.youtube.com/c/JulieMurphyhttps://anchor.fm/juliemurphyhttp://Twitter.com/AwakenWithJuliehttps://www.linkedin.com/in/juliemariemurphyTOO MANY PEOPLE HAVE FEARS AND OTHER UNHEALTHY EMOTIONS AROUND MONEY. Whether you were born rich, poor, or somewhere in between, money has always been an integral part of your life. However, too many people have fears and other unhealthy emotions around money. These debilitating beliefs are often subconscious, shaped by a lifetime of early experiences seen through other people—not based on objective reality. So can you break free from these restrictive beliefs and emotions, be able to “dream big,”—and actually accomplish your hopes and dreams? The answer is yes: Now, there is a way to harness the powerful energy around money and build real wealth.Beyond Your Wildest Dreams, LLC has no affiliation with LPL Financial, Sequoia Wealth Management, or JMC Wealth Management, Inc.

Agency Intelligence
Stuff About Money: Episode 87: Dollar Cost Averaging: Your 401(k)'s Superpower

Agency Intelligence

Play Episode Listen Later Apr 22, 2025 12:58


In this episode of the Stuff About Money They Didn't Teach You in School podcast, certified financial planner Erik Garcia speaks directly to those regularly investing in a 401(k), 403(b), or IRA. With the market constantly shifting, it can be tempting to pause contributions and wait for “better” times. But that move might cost you more than you think. Erik explains why dollar cost averaging—investing consistently regardless of market conditions—is actually your retirement plan's greatest superpower. You'll hear about three powerful benefits of dollar cost averaging, along with two real challenges that make it tough to stick with. This episode is all about helping you stay confident and committed to your long-term plan—even when the headlines say otherwise. If you're wondering whether to keep investing through market noise, this one's for you. Episode Highlights: Erik explains the concept of dollar cost averaging and why it's a hidden 401(k) superpower. (01:01) Erik outlines how volatility can be an opportunity for 401(k) investors through consistent investing. (03:21) Erik shares how dollar cost averaging helps remove emotional decision-making from investing. (04:28) Erik emphasizes the role of automated discipline in building long-term wealth. Erik cautions that dollar cost averaging doesn't remove investment risk and long-term perspective is key. (06:23) Erik warns about the emotional challenge of staying invested during market drops. (07:57) Erik encourages investors to keep contributing, and possibly increase contributions, during down markets. (09:00) Key Quotes: “ The third benefit of dollar cost averaging is you are building a very important habit that's gonna help you build wealth, and that is discipline.” - Erik Garcia, CFP®, BFA “ investing in a down market is actually a very good long-term investment strategy, so stay invested. Keep investing. Use your superpower, your dollar cost averaging superpower to build your wealth in your 401k.” - Erik Garcia, CFP®, BFA Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Stuff About Money They Didn't Teach You In School
Episode 87: Dollar Cost Averaging: Your 401(k)'s Superpower

Stuff About Money They Didn't Teach You In School

Play Episode Listen Later Apr 22, 2025 11:13


In this episode of the Stuff About Money They Didn't Teach You in School podcast, certified financial planner Erik Garcia speaks directly to those regularly investing in a 401(k), 403(b), or IRA. With the market constantly shifting, it can be tempting to pause contributions and wait for “better” times. But that move might cost you more than you think. Erik explains why dollar cost averaging—investing consistently regardless of market conditions—is actually your retirement plan's greatest superpower. You'll hear about three powerful benefits of dollar cost averaging, along with two real challenges that make it tough to stick with. This episode is all about helping you stay confident and committed to your long-term plan—even when the headlines say otherwise. If you're wondering whether to keep investing through market noise, this one's for you. Episode Highlights: Erik explains the concept of dollar cost averaging and why it's a hidden 401(k) superpower. (01:01) Erik outlines how volatility can be an opportunity for 401(k) investors through consistent investing. (03:21) Erik shares how dollar cost averaging helps remove emotional decision-making from investing. (04:28) Erik emphasizes the role of automated discipline in building long-term wealth. Erik cautions that dollar cost averaging doesn't remove investment risk and long-term perspective is key. (06:23) Erik warns about the emotional challenge of staying invested during market drops. (07:57) Erik encourages investors to keep contributing, and possibly increase contributions, during down markets. (09:00) Key Quotes: “ The third benefit of dollar cost averaging is you are building a very important habit that's gonna help you build wealth, and that is discipline.” - Erik Garcia, CFP®, BFA “ investing in a down market is actually a very good long-term investment strategy, so stay invested. Keep investing. Use your superpower, your dollar cost averaging superpower to build your wealth in your 401k.” - Erik Garcia, CFP®, BFA Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Talk Money, Presented by Shoemaker Financial
“Update on the Economy – What is on the Horizon?” and “The Language of the Market - Bankruptcy”

Talk Money, Presented by Shoemaker Financial

Play Episode Listen Later Apr 19, 2025 48:52


Talk Money with Jim ShoemakerJoin as Jim Shoemaker, Rusty Leonard, and Scott Jordan dive into “The Economy” and what could be on the horizon. Max, our producer, will teach us about the “History of the Language of the Market – Bankruptcy.”                                 "Helping You Make the Most of Your Money”Jim Shoemaker, CFP, ChFC, is an investment advisor representative offering advisory services through Cetera Investment Advisers, a registered investment adviser. Securities offered through Cetera Advisor Networks, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Shoemaker Financial is independently owned and operated. 2176 West St, Ste. 100, Germantown, TN 38138

Shares
Ep. 29: Retirement Planning in Volatile Markets

Shares

Play Episode Listen Later Apr 16, 2025 31:22


In this episode, Retirement Income Certified Professional® (RICP®) Program Director Eric Ludwig, PhD, CFP® welcomes Steve Parrish, JD, RICP®, CLU®, ChFC®, AEP®, a fellow professor at The College and retirement planning expert, discuss recent shockwaves across financial markets and how financial professionals can best respond — especially when talking with their clients nearing or in retirement. They explore strategies to ensure clients' assets are secure, put them at ease with historical context, and more. Find all episodes now at TheAmericanCollege.edu/Shares.

Your Money, Your Wealth
Risks Threaten Retirement. Rewire Your Plans - 525

Your Money, Your Wealth

Play Episode Listen Later Apr 15, 2025 55:13 Transcription Available


Tariffs, inflation, healthcare costs... how do you shift from saving to spending in retirement while managing risks like these? Jamie Hopkins is a CERTIFIED FINANCIAL PLANNER® professional, an attorney, and best-selling author of Find Your Freedom and Rewirement: Rewiring the Way You Think About Retirement. He returns to the show today on Your Money, Your Wealth® podcast 525 with Joe Anderson, CFP® and Big Al Clopine, CPA, to share insights on how to rewire your retirement plans. Plus, how should Fred and Ginger in Huntington Beach, California, pay for repairs on their rental properties? How can Peter Lemonjello manage taxes in his early retirement with 72(t) elections, rental income, and an installment sale? Can Calvin and Susie in Lancaster, Pennsylvania, buy an $800,000 beach house - and should they? Free financial resources & episode transcript: https://bit.ly/ymyw-525 DOWNLOAD The Recession Protection Guide WATCH the Market Volatility webinar with Joe Anderson, CFP® and Brian Perry, CFP®, CFA from Pure Financial Advisors on demand  DOWNLOAD 10 Tips for Real Estate Investors WATCH How Your Home Can Create Retirement Income on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Thanks to Million Podcasts for ranking YMYW in several of their "Best of" lists! Read more. Timestamps: 00:00 - Intro 00:59 - Rewiring Spending and Managing Risk in Retirement with Jamie Hopkins Esq., LLM, CFP®, ChFC®, CLU®, RICP® 24:07 - Watch the Market Volatility Webinar On Demand, Download the Recession Protection Guide 24:52 - How Should We Pay for Repairs on Rental Properties? (Fred & Ginger, Huntington Beach, CA) 33:06 - Early Retirement Taxes: 72(t) Timing, Installment Sale, and Rental Income (Peter LemonJello, FL) 44:02 - Watch How Your Home Can Create Retirement Income on YMYW TV, Download 10 Tips for Real Estate Investors 44:33 - Can and Should We Buy an $800K Beach House? (Calvin and Susie, Lancaster, PA) 53:33 - YMYW Podcast Outro

Wake Up To Your Wealth with Julie Murphy
Are you where you want to be financially?

Wake Up To Your Wealth with Julie Murphy

Play Episode Listen Later Apr 11, 2025 6:50


In this video, we dive into the key questions you need to ask yourself about your financial future. Discover how to gain clarity and take actionable steps toward where you want to be financially.Discover the power of a heart-centered approach! Join my free workshop where you'll share your challenges and gain valuable insights to move forward. Sign up for the workshop here: https://www.impactyourlifenow.com/impact-workshop-registration-evergreen-newsletterGet my audio book! https://www.impactyourlifenow.com/ayw-book-order-pageThe Four Spiritual Laws of Money: https://www.impactyourlifenow.com/the-4-spiritual-laws-of-moneyJoin Julie on her mission to heal the world financially.Julie Murphy CLU, ChFC, CFP®, is an independent CERTIFIED FINANCIAL PLANNER™, author, and media expert who wants you to heal your emotions to prosper financially and in life.To Schedule Julie on Your YouTube or Podcast Show... Please email Julie at Julie@JulieMurphy.comhttps://juliemurphy.com/Join our community on social media!http://facebook.com/AwakenWithJuliehttps://www.tiktok.com/@awakenwithjuliehttp://Instagram.com/AwakenWithJuliehttps://www.youtube.com/c/JulieMurphyhttps://anchor.fm/juliemurphyhttp://Twitter.com/AwakenWithJuliehttps://www.linkedin.com/in/juliemariemurphyTOO MANY PEOPLE HAVE FEARS AND OTHER UNHEALTHY EMOTIONS AROUND MONEY. Whether you were born rich, poor, or somewhere in between, money has always been an integral part of your life. However, too many people have fears and other unhealthy emotions around money. These debilitating beliefs are often subconscious, shaped by a lifetime of early experiences seen through other people—not based on objective reality. So can you break free from these restrictive beliefs and emotions, be able to “dream big,”—and actually accomplish your hopes and dreams? The answer is yes: Now, there is a way to harness the powerful energy around money and build real wealth.Beyond Your Wildest Dreams, LLC has no affiliation with LPL Financial, Sequoia Wealth Management, or JMC Wealth Management, Inc.

Wake Up To Your Wealth with Julie Murphy
Money Patterns and the Emotion Behind Money

Wake Up To Your Wealth with Julie Murphy

Play Episode Listen Later Apr 10, 2025 6:54


In this video I dive into the topic of money patterns and the emotion behind money. This topic is one of my favorites as I am sure we can all relate to the emotions behind our money.Discover the power of a heart-centered approach! Join my free workshop where you'll share your challenges and gain valuable insights to move forward. Sign up for the workshop here: https://www.impactyourlifenow.com/impact-workshop-registration-evergreen-newsletterGet my audio book! https://www.impactyourlifenow.com/ayw-book-order-pageThe Four Spiritual Laws of Money: https://www.impactyourlifenow.com/the-4-spiritual-laws-of-moneyJoin Julie on her mission to heal the world financially.Julie Murphy CLU, ChFC, CFP®, is an independent CERTIFIED FINANCIAL PLANNER™, author, and media expert who wants you to heal your emotions to prosper financially and in life.To Schedule Julie on Your YouTube or Podcast Show... Please email Julie at Julie@JulieMurphy.comhttps://juliemurphy.com/Join our community on social media!http://facebook.com/AwakenWithJuliehttps://www.tiktok.com/@awakenwithjuliehttp://Instagram.com/AwakenWithJuliehttps://www.youtube.com/c/JulieMurphyhttps://anchor.fm/juliemurphyhttp://Twitter.com/AwakenWithJuliehttps://www.linkedin.com/in/juliemariemurphyTOO MANY PEOPLE HAVE FEARS AND OTHER UNHEALTHY EMOTIONS AROUND MONEY. Whether you were born rich, poor, or somewhere in between, money has always been an integral part of your life. However, too many people have fears and other unhealthy emotions around money. These debilitating beliefs are often subconscious, shaped by a lifetime of early experiences seen through other people—not based on objective reality. So can you break free from these restrictive beliefs and emotions, be able to “dream big,”—and actually accomplish your hopes and dreams? The answer is yes: Now, there is a way to harness the powerful energy around money and build real wealth.Beyond Your Wildest Dreams, LLC has no affiliation with LPL Financial, Sequoia Wealth Management, or JMC Wealth Management, Inc.

Rainmaker Multiplier On-Demand
The Art of Connection: Networking Strategies for Financial Rainmakers

Rainmaker Multiplier On-Demand

Play Episode Listen Later Apr 10, 2025 31:24


What does successful networking look like for those in the financial services industry, and why does it matter? It's more than just attending a mixer and collecting business cards! Join Kirsten Schlumbohm, Vice President of Annuity Sales at C2P, and special guest Julie Pinkerton, CLU, ChFC, LUTCF®, Chief Executive Officer & Managing Member of Evozen. They discuss the importance of networking, becoming referable, and the unique challenges within the industry, particularly for women and minorities. Pinkerton shares her journey from starting in financial services to founding the ClientFirst™ platform, aimed at enhancing the visibility and success of financial professionals by fostering a more inclusive and supportive community. Tune in for insightful strategies to grow your practice and make impactful connections in the financial industry.ResourcesClientFirst™ — Digital community platform for financial professionalsWomen in Insurance & Financial Services (WIFS) conferenceSourceshttps://www.knoxnews.com/story/money/business/2021/10/14/your-professional-image-starts-great-headshot/5797101001/

Your Money, Your Wealth
Will the Tax Cuts and Jobs Act Be Extended? - 524

Your Money, Your Wealth

Play Episode Listen Later Apr 8, 2025 47:27


Will your taxes go up? Stay the same? Go down, even? Jeffrey Levine is Chief Planning Officer at Focus Partners, Professor of Practice in Taxation at the American College of Financial Services, and the Lead Financial Planning Nerd at Kitces.com. In other words, he's one of the savviest tax minds in the country. Jeff returns to the show today on Your Money, Your Wealth® podcast number 524 with Joe Anderson, CFP® and Big Al Clopine, CPA, with his thoughts on what will happen to taxes under the new administration, saving for retirement in a Roth IRA vs. a traditional IRA, managing inherited retirement accounts, and the future viability of Social Security. Plus, what should you do with required minimum distributions when you don't need the money to live on? How do you calculate the maximum amount you should convert from your retirement account to a tax-free Roth account, and how much should you convert - or not - to keep RMDs under control? Finally, how can minor beneficiaries avoid probate? Free financial resources & episode transcript: https://bit.ly/ymyw-524 LIMITED TIME SPECIAL OFFER: DOWNLOAD The DIY Retirement Guide by Friday April 11, 2025! WATCH Take Control of Your Retirement Plan on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:05 - Will These Historic Low Tax Rates Be Extended? Insight from Jeff Levine, CFP®, CPA/PFS, ChFC®, RICP®, CWS, AIF, BFA™, MSA 19:54 - Make These 3 Investments for a Happy Retirement and Watch Take Control of Your Retirement Plan on YMYW TV 21:06 - What to Do With Required Minimum Distributions When You Don't Need the Money to Live On? (Judi, San Diego) 24:40 - How Much NOT to Convert to Roth to Keep RMDs Under Control? (DH from SoCal) 32:26 - LIMITED TIME SPECIAL OFFER: Download the DIY Retirement Guide by Friday, April 11, 2025! 33:39 - How to Calculate How Much Roth Conversion I Should Do? (Joe, voice) 38:42 - How Can I Reduce My Required Minimum Distributions? (Joel, CA) 40:18 - How Can Minor Beneficiaries Avoid Probate? (Esther, San Francisco) 46:04 - YMYW Podcast Outro

Agency Intelligence
Stuff About Money: How To Prep Your Finances for the Next Recession (Throwback Episode)

Agency Intelligence

Play Episode Listen Later Apr 8, 2025 30:55


In this episode of Stuff About Money They Didn't Teach You in School, I (Erik Garcia, CFP®, ChFC®, BFA™) take a solo journey back to 2019—pre-COVID, pre-pandemic stimulus, pre-whatever the heck this current economy is. It's wild to think how much has changed… and how much has stayed the same. This episode opens with a confusing encounter with a Polish website and a German iPhone—setting the stage for how disorienting the financial world can feel when recession fears start swirling. And lately? With inflation still lingering, market volatility, and general unease—it's giving déjà vu all over again. Though recorded years ago, the financial wisdom in this episode remains rock solid. I unpack five economic realities that hold true no matter the cycle, explain key market terms you're probably hearing more of, and walk through a 4-step plan that works at any income level. Whether you're nervous about what's next or just want to make smarter money moves, this episode is a reminder that fear doesn't have to drive your decisions—clarity and preparation can. Be sure to follow the show and share it with someone who could use a little financial calm in the chaos. Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Stuff About Money They Didn't Teach You In School
How To Prep Your Finances for the Next Recession (Throwback Episode)

Stuff About Money They Didn't Teach You In School

Play Episode Listen Later Apr 8, 2025 29:10


In this episode of Stuff About Money They Didn't Teach You in School, I (Erik Garcia, CFP®, ChFC®, BFA™) take a solo journey back to 2019—pre-COVID, pre-pandemic stimulus, pre-whatever the heck this current economy is. It's wild to think how much has changed… and how much has stayed the same. This episode opens with a confusing encounter with a Polish website and a German iPhone—setting the stage for how disorienting the financial world can feel when recession fears start swirling. And lately? With inflation still lingering, market volatility, and general unease—it's giving déjà vu all over again. Though recorded years ago, the financial wisdom in this episode remains rock solid. I unpack five economic realities that hold true no matter the cycle, explain key market terms you're probably hearing more of, and walk through a 4-step plan that works at any income level. Whether you're nervous about what's next or just want to make smarter money moves, this episode is a reminder that fear doesn't have to drive your decisions—clarity and preparation can. Be sure to follow the show and share it with someone who could use a little financial calm in the chaos. Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Financial Planning Explained
Tax Planning Q&A Part III with Kyle Ryan, CFP, ChFC

Financial Planning Explained

Play Episode Listen Later Apr 1, 2025 27:47


This week on "Financial Planning: Explained”, host Michael Menninger, CFP welcomes back Kyle Ryan CFP. ChFC. Kyle is a financial planner at Menninger & Associates Financial Planning. This is the final episode of a nine-part episode Q&A series. In this episode, Mike and Kyle discuss frequently asked questions regarding tax planning. The guys touch on tax implications of selling your home, Roth IRA conversions, when to start withdrawing for retirement, RMDs, HSAs, and charitable giving. This is a great episode for those looking to minimize their taxes. For more information on Menninger & Associates Financial Planning, visit https://maaplanning.com

Agency Intelligence
Stuff About Money: Episode 86: How to Actually Use Money for Happiness

Agency Intelligence

Play Episode Listen Later Mar 25, 2025 17:17


We all think having more money will make us happier, but what if the way we instinctively spend it isn't actually the key to lasting happiness? In this episode of Stuff About Money, Erik Garcia, CFP®, dives into five ways we can use money, and why the thing we want to do with it—buying more stuff—won't bring us the deep, fulfilling happiness we hope for. Instead, he explores the four things that actually do create happiness: investing in experiences, buying back time, giving generously, and saving for the future. From reflecting on a family trip to Disney World to the conversation we all love to have—“What would you do if you won the lottery?”—this episode challenges the way we think about money and what it can (and can't) buy. Erik breaks down why spending money on experiences creates memories that last, why buying time back only works if you actually use it wisely, and how generosity is one of the most unexpected happiness boosters. Plus, he explains why saving money isn't just about financial security—it's about progress, and progress makes us happy. If you're looking for a way to shift your mindset on money and happiness, this episode is for you. Tune in, challenge yourself to rethink how you spend, and share this episode with someone who could use a fresh perspective on what really leads to financial joy. Plan wisely, live confidently! Episode Highlights: Erik discusses Arthur Brooks' research on money and happiness, sharing insights from his book on how financial choices impact well-being. (03:00) Erik explains why experiences create lasting happiness, while material goods lose their appeal over time. (03:47) Erik explores how using money to buy time can lead to greater fulfillment by prioritizing meaningful activities. (06:00) Erik shares why generosity leads to greater life satisfaction, as highlighted in Brooks' book. (07:00) Erik emphasizes saving as a way to create future opportunities and achieve long-term happiness, a key theme in Brooks' research. (09:19) Erik explains the deeper purpose of financial success and the importance of using money to support meaningful goals, a key lesson from Brooks' book. (14:47) Key Quotes: “Spending money on experiences, buying experiences is a lasting investment into happiness and when you can use your money to buy experiences to create shared memories with people you love, that is a ticket to happiness.” - Erik Garcia, CFP®, BFA “Go out there and find a way to use your money to make a long-term investment in your happiness.” - Erik Garcia, CFP®, BFA “Every dollar that you save is creating a future opportunity and every dollar you waste represents a wasted opportunity in the future. We don't know what the future holds. So having money in savings is a good way to prepare for the unknown” - Erik Garcia, CFP®, BFA Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Financial Planning Explained
Tax Planning Q&A Part II with Kyle Ryan, CFP, ChFC

Financial Planning Explained

Play Episode Listen Later Mar 25, 2025 29:39


On this week's episode of "Financial Planning: Explained”, host Michael Menninger, CFP is join again by Kyle Ryan CFP. ChFC. Kyle is a financial planner at Menninger & Associates Financial Planning. This is the eighth episode of a nine-part Q&A series. In this episode, Mike and Kyle answer frequently asked questions regarding tax planning. The guys discuss tax brackets, common tax mistakes, tax impacts on investing, tax benefits of contributing to a 401(k) and taxes for self-employed individuals. This is a great episode for anyone looking to better understand taxes with an emphasis on investing. For more information on Menninger & Associates Financial Planning, visit https://maaplanning.com

MoneyWise on Oneplace.com
Navigating Finances in Blended Families with Ron Deal and Greg Pettys

MoneyWise on Oneplace.com

Play Episode Listen Later Mar 12, 2025 24:57


Martin Luther once said, “There is no more lovely, friendly, and charming relationship, communion, or company than a good marriage.”A strong marriage is a blessing but requires intentional effort, especially in a blended family. Today, Ron Deal and Greg Pettys join the show to discuss a valuable resource for second marriages.Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Greg Pettys, CLU, ChFC, CFP, has thirty-four years of specialized experience in securities and life insurance sales and services. He is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family.Understanding the Financial Challenges of Blended FamiliesWhen two people enter a marriage with previous financial histories, children, and life experiences, their financial situation becomes more complex than that of a first-time marriage. They may bring:Separate bank accounts and investmentsExisting debts and financial obligationsDifferent parenting and financial philosophiesThe need to provide for children from previous relationshipsConcerns over inheritance and estate planningMerging finances in a blended family isn't just about money—it's about trust, provision, and love. Without clear communication and planning, financial disagreements can create tension, causing stress in the relationship.What Is a Togetherness Agreement?A Togetherness Agreement is a structured approach for blended couples to clarify their financial decisions, ensuring transparency and unity. More than just a financial plan, it is a tool for fostering trust and eliminating fear. It's not just about bank accounts and investments—it's about love, respect, and providing well for one another. It brings clarity to emotionally charged financial topics, ensuring that both partners are aligned in their vision for the future.Why Is a Togetherness Agreement Important?1. It Provides Financial TransparencyMany couples enter marriage with financial baggage—whether it's debt, differing views on money management, or past experiences that have led to distrust. A Togetherness Agreement creates a safe space for full financial disclosure.2. It Helps Prevent Conflict Over MoneyMoney is one of the top stressors in any marriage, but in blended families, the stakes are even higher. The agreement ensures both spouses are on the same page regarding financial expectations and responsibilities.3. It Protects Children and Future GenerationsWithout a clear plan, assets and inheritance can unintentionally drift away from children from previous marriages. The agreement helps ensure that financial resources are distributed according to the couple's wishes, not just default legal systems.4. It Strengthens Marital Trust and UnityA Togetherness Agreement fosters open communication, allowing couples to plan their future confidently rather than fearfully. It shifts financial discussions from potential sources of conflict to proactive, loving conversations.What Should a Togetherness Agreement Include?A Togetherness Agreement can be as formal or informal as a couple chooses. While some opt for a legally binding contract, even a simple written plan can be valuable. Key components may include:Bank Account Structure—Should finances be merged, kept separate, or a combination of both?Debt and Credit Considerations—How will existing debts be managed, and how will future credit decisions be made?Business Ownership—If one spouse owns a business, what will happen to it in the event of death or divorce?Financial Responsibilities—Who is responsible for household expenses, savings, and long-term care for aging parents?Inheritance and Estate Planning—How will assets be distributed to biological and stepchildren?Contingency Plans—What provisions are in place for special needs children, elderly parents, or unexpected life changes?When Should Couples Create a Togetherness Agreement?Ideally, discussions about financial planning should begin before marriage. However, it's never too late to start if you're already married and haven't had these conversations.If you're dating, start the conversation now. If you're already married, don't wait—begin today. The Smart Step Family Guide to Financial Planning provides a step-by-step guide to help you navigate these important discussions.A Togetherness Agreement is an essential tool for blended families to navigate finances with wisdom, clarity, and love. By fostering open communication and financial unity, couples can build a secure foundation for their marriage and their future.If you're in a blended family, consider creating your own Togetherness Agreement today—it might be the most valuable financial decision you ever make.For more insights, pick up a copy of The Smart Step Family Guide to Financial Planning and start building a financial roadmap that aligns with your family's unique needs.On Today's Program, Rob Answers Listener Questions:My question has two parts. First, what is the best way to protect myself from identity theft? And second, our home is paid off - what's the best way to protect ourselves so someone can't come in and put a mortgage or lien on our house without us knowing about it?I'm calling regarding my estate planning. I remember somewhere in the Bible saying we are required or should leave something for our children and grandchildren. How much should we leave for our grandchildren?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineThe Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal, Greg S. Pettys, and David O. EdwardsSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.