Podcasts about financial advisors

Employment attorney Ryan Stygar joins Nicole to hand us the playbook our employers hope they never find. He breaks down what "at-will employment" actually means and the exact moves to make the moment you get that dreaded out-of-nowhere email from HR. He also reveals everything that's negotiable in a severance package: the cash amount, COBRA coverage, equity vesting schedules, and non-disparagement clauses, and shares how he turned a $6,000 severance offer into over $60,000 for one client. Then Nicole and Ryan role-play a firing from both sides of the table — so you know exactly what to say and what never to say. They dig into the issues that disproportionately affect women at work: pregnancy discrimination (the number one form Ryan sees in his practice), his controversial-but-legally-sound advice to disclose your pregnancy early, what rights you have if you miscarry, and how return-to-office mandates are quietly being weaponized as stealth layoffs.  Plus: AI keystroke monitoring, non-competes in the current legal landscape, and the interview questions that are totally illegal — that you're probably being asked right now. Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠  Get Ryan's book ⁠Get It in Writing⁠ Here's what Nicole covers with Ryan:  00:00 Are You Ready for Some Money Rehab?  02:01 Ryan's Path: From Firefighter to Workers' Rights Lawyer  02:52 Nicole Gets Let Go From CNN  03:44 Why HR Is Not Your Friend  05:34 The Right (and Wrong) Way to Fire Someone  06:41 It's Illegal to Fire Someone for Discussing Their Pay  08:44 Building Your Paper Trail From Day One  20:07 At-Will Employment, Explained  24:50 What to Do the Moment You Get That HR Email  26:31 Don't Sign Anything When You're Fired  29:14 Severance Is Negotiable  31:54 How Contingency Lawyers Can Help (Even When You're Broke)  33:38 What Else Is on the Table: COBRA, Equity, and Non-Disparagement Clauses  37:38 Role Play: Getting Fired (What Not to Do)  39:23 Role Play: Getting Laid Off (The Right Way to Handle It)  44:09 How a Good Employer Handles the Conversation  46:34 Freelancers and the 1099 vs. W-2 Trap  49:59 The Fear of Getting Blacklisted for Asserting Your Rights  50:19 Sexual Harassment: Who's Most at Risk and What to Do  52:44 Maternity Leave and Pregnancy Discrimination  55:28 Controversial Advice: Disclose Your Pregnancy Early  59:14 What to Get in Writing When You're Pregnant  01:02:16 Your Rights If You Miscarry  01:04:59 Return to Office as a Stealth Layoff Strategy  01:08:10 AI Tracking and Keystroke Monitoring  01:12:25 Non-Competes: What You Need to Know in 2026  01:17:09 Illegal Interview Questions (Role Play)  01:23:00 Ryan Stygar's Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor or attorney before making any financial or legal decisions.

Check out Erin's channel on YouTube: Erin Talks Money Viral money advice is everywhere—but how much of it actually helps you build wealth? In this episode of Financial Advisors React, Brian Preston, Bo Hanson, and Erin Talks Money break down popular financial clips covering investing, HELOC strategies, saving for retirement, earning more income, index funds, college majors, spending guilt, and wealth-building habits. Learn which advice stands the test of time, which strategies could hurt your financial future, and how Financial Mutants can make smarter decisions with their money. Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim Effner, Founder & President of P2P Group, explains why AI won't replace financial advisors: personal financial services is a human-behavior business where clients need an advisor they can implicitly trust, understand them, and genuinely care. He breaks down the traits, courage, and language that set elite advisors apart. Learn more at https://jimeffner.com/

On this episode of The Table with Anthony ONeal, George Kamel joins us to share insights from his transformative new book, Breaking Free From Broke. George reveals his journey to becoming debt-free, offering a powerful example of how an everyday person on an average salary can achieve financial independence. By following this path, George became a net worth millionaire, demonstrating that true financial freedom is within reach for everyone. His story is a blueprint for changing not just your financial situation, but your family's generational legacy. Tune in to learn how you can take control of your finances and create lasting wealth for generations to come.

Key topics include: -The core differences between direct affiliation and OSJ / enterprise models. -Why payout percentages don't tell the full financial story. -How scale, support, and service models impact long-term net income. -When outsourcing operations can accelerate growth - and when it doesn't. -How larger teams and solo practitioners should think differently about affiliation. -Why affiliation decisions are business decisions, not just platform decisions. Whether you're considering independence for the first time, reassessing your current setup, or planning your next stage of growth, this episode offers a clear, practical framework to help you evaluate your options and avoid costly mistakes. Learn more about our companies and resources: -Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.com -Elite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.com -Elite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.com -JEDI Database Solutions | Technology Solutions for Advisors: https://jedidatabasesolutions.com   Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/

Learn what financial advisor fee structures could mean for your wealth and how to find someone who won't sell you out. What new threats are emerging for identity crime victims? Host Sean Pyles, CFP®, and news colleague Rick VanderKnyff are joined by Mona Terry, chief operating and programs officer of the Identity Theft Resource Center, to walk through the ITRC's 2026 Trends in Identity Report. They explore why more than 1 in 4 victims now face two or more simultaneous identity incidents, how device compromise differs from the scams most people think to watch for, and whether AI is already making identity crimes harder to detect and resolve. Do financial advisors have a built-in conflict of interest that could be costing you money? Sean is joined by co-host Elizabeth Ayoola and NerdWallet Wealth Partners CEO Ryan Sterling to tackle a listener's question about whether they should hire a financial advisor. They dig into how different advisor fee structures — from AUM (assets under management) percentages to flat-fee plans, hourly rates, and commissions — create different kinds of conflicts, what the fiduciary standard actually guarantees (and what it doesn't), and what red flags could signal that an advisor's priorities aren't aligned with yours. Learn more about working with a financial advisor at NerdWallet Wealth Partners: https://nerdwalletwealthpartners.com/smart  How to Prevent Identity Theft: Warning Signs, Protection Services and More https://www.nerdwallet.com/finance/learn/how-to-prevent-identity-theft  Read the ITRC's 2026 Trends in Identity Report: https://www.idtheftcenter.org/post/2026-trends-in-identity-report-hacked-devices-overtake-scams Subscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Your prospect's eyes glaze over about ten minutes into the meeting. You can feel it—they're sitting right there, but they've checked out. And here's the uncomfortable part: it's usually not because your advice is bad.Most advisors lose the room for a reason they never see coming, and they keep doing the exact thing that causes it in every single appointment.In Part 3 of the Missing Visuals series, I break down the one skill I've watched separate the top 1% from everyone else, and why the way you're communicating your best ideas might quietly be costing you clients.3 Insights From This Week's Episode…#1.) Draw: The $10M Client StoryMost advisors rely on words to explain complex ideas, then wonder why prospects nod along but never move forward. I share the story of an advisor who used a simple drawing to help close a $10M client—and why it reveals a bigger problem in how advisors communicate value.#2.) Co-Create: Why Prospects Push BackWhen a prospect feels like a plan is being sold to them, resistance naturally shows up. We explore what changes when the meeting stops feeling like a pitch and starts becoming something the advisor and prospect build together.#3.) Teach: The Risk Of Keeping It In Your HeadA lot of advisor firms are built around the founder's instincts, stories, and ability to explain things in the moment. That works until you need to train advisors, scale the firm, or build something that can eventually run without you. I'll show you how to start turning what lives in your head into something your team can actually use.Triad Sales LabWant to turn more great prospects into lifelong clients? Triad Sales Lab helps advisors use simple visual models to communicate more clearly, strengthen appointments, and improve the way they present their process. Learn more and apply below.SHOW NOTEShttps://bradleyjohnson.com/174FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As advisors, we spend a lot of time working in the business—but not nearly enough time working on the business. In this episode, Libby pulls back the curtain on the exact quarterly CEO Day framework she recently led for her Systems to Scale alumni community. With Q2 coming to a close, she shares how to create the space for strategic thinking, avoid turning your CEO time into a glorified catch-up day, and walk away with a clear plan for the next 90 days. Whether you're a solo advisor or leading a growing team, this episode will help you become more intentional, proactive, and focused as you head into the next quarter.In this episode, you'll learn:How to structure a quarterly CEO Day that actually leads to action instead of becoming another day spent answering emails and putting out fires.The five key business categories every advisor should review each quarter, including people, finances, processes, client experience, and technology.Why brain dumps and structured reflection exercises help uncover opportunities, bottlenecks, and priorities that are easy to miss during day-to-day operations.A practical framework for identifying your next three quarterly goals and turning them into actionable plans that actually get completed.Libby shares the same process she used in her own advisory firm and now teaches inside her coaching programs. If you've ever wondered what it really means to "work on the business," this episode gives you a step-by-step roadmap for creating the time, clarity, and focus needed to move your firm forward. As you wrap up the quarter, consider blocking time on your calendar for your own CEO Day—you may be surprised by how much progress can come from simply creating the space to think strategically.Join the Systems to Scale Group Coaching Program HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Send us Fan MailBrian Margolis joins the show to discuss his new new framework that helps wholesalers get to the top of their game. We also discuss what sales activities are creating the best outcomes for wholesalers. As a bonus, we suggest a few biases that are holding wholesalers and distribution teams back.Access the whitepaper "Wholesaler Roadmap to the Top" at PGwholesaling.comSubscribe to the brand-new Internal Use Only newsletter for more information and updatesThank you to NOBULL for partnering with Internal Use Only to deliver this episode.NOBULL has several wholesaler-approved items for our busy lives. Their new Public Rec collection has men's tops and bottoms that have you covered from your commute, to a meeting, to the course.You can support Internal Use Only by shopping my link below. Use code WELCOME30 for 30% off your first order.Support the show

Chasing a “magic number” for retirement could be leading you in the wrong direction. In this episode, Jim Fox challenges the idea that everyone needs a specific dollar amount to retire and explains why income—not a lump sum—should be considered in driving your plan. Through real-life examples, he highlights how fear and confusion can derail retirement plans, even for well-prepared retirees. The conversation focuses on simplifying the math, aligning your strategy with your lifestyle, and understanding what your savings can realistically support. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

On this episode: Many retirement plans fail in the first 5 years of retirement…why? Is an IRA-to-Roth conversion a good move for you? One article says be careful. How one man had to wait 5 years to settle his father’s estate, only to find out about a big tax surprise. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

A hidden leak nearly flooded his backyard—and it mirrors a financial issue many retirees overlook. In this episode, Brandon Bowen reacts to Jamie Dimon’s take on tackling problems early, using a real-life story to highlight why delays can lead to bigger complications. From managing debt to prioritizing health and addressing estate planning gaps, the conversation focuses on organizing what may be scattered across accounts and advisors. Hear how coordination between professionals—and clear communication—can help bring structure to retirement planning and legacy considerations. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Allie Miller is the number one most-followed voice in AI business and an advisor to Fortune 500 companies , and she's on Money Rehab to tell us that most people are leaving serious money on the table by treating AI like a productivity tool. Today, Allie joins Nicole to break down exactly how to use AI as a wealth strategy in 2026 and beyond. Allie pulls back the curtain on her AI workforce (34 agents named after Friends characters) and explains why delegation is now a financial strategy, not just a productivity hack. She and Nicole dig into the most important question everyone has right now: what's safe to share with AI, and what isn't? From feeding Claude your insurance policy after a disaster, to connecting AI directly to your investment accounts, Allie lays out how to think about risk and leverage when it comes to your financial data. They also tackle the hard questions about kids and AI: AI companionship dangers, AI toys, age limits, whether college is even coming back, and why "AI scams are the new white vans." Finally, Allie shares her honest, unfiltered take on investing in AI companies, why she's long-term bullish, and the bold predictions people are calling her crazy for making today. Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Follow Allie Miller on LinkedIn and Instagram Here's what Nicole covers with Allie:  00:00 Are You Ready for Some Money Rehab? 01:13 Allie's AI Workforce Explained 04:00 How to Build Your Own AI Workforce (No Coding Required) 06:40 What AI Still Can't Replace 10:00 Meet Simon, Rachel, Phoebe and the Rest of the Team 12:03 What to Always (and Never) Outsource to AI 18:30 AI Data Privacy 22:48 Customizing AI With Your Personal Context 31:43 Kids and AI: Raising a '90s Kid in 2026 38:10 What Age Should Kids Start Using ChatGPT or Claude? 44:52 How to Hack AI Sycophancy 47:25 Where Allie Draws the Line on AI Companionship 52:20 Using AI to Manage Investments 57:00 Will AI Replace Financial Advisors? 01:00:13 When Will We Be Working With Humanoids? 01:05:15 Investing in AI Companies and the Bubble Debate 01:09:45 Allie's Boldest Predictions 01:14:22 Allie Miller's Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

In this episode of ThimbleberryU, we talk about what a giant IPO like SpaceX could mean for a personal investment portfolio. The conversation starts with common questions many investors ask when a major private company gets ready to go public. Am I missing out? Is my index fund going to own it? Am I exposed to something I do not understand? Amy explains that many people assume an index fund owns the biggest companies in the market, but that is not always true. Index funds follow rules. For example, a company in the S&P 500 usually has to meet certain requirements around profitability, public trading shares, and time as a public company. So a company can be huge and still not appear in an index fund right away. That distinction matters, but probably not as much as the headlines make it feel. For most investors, one company being absent from an index now or added later is a small part of a diversified portfolio. The bigger risk is behavioral. A headline can create fear of missing out, and that fear can push someone to chase a single hot stock. That reaction can do more damage than the index rules themselves. Amy also explains where this can show up in real accounts. Broad index funds may be held in taxable brokerage accounts, 401(k)s, or IRAs. If those funds are designed to track an index, then the rules of that index shape what the investor actually owns. An index fund does not necessarily mean the investor owns everything. It means the investor owns what the index includes at that time. The episode also explains the difference between active and passive investing. An active fund has a manager making ongoing decisions about what to buy and sell. A passive fund tracks an index mechanically. That does not mean no decisions were made. It means the decisions are built into the index rules rather than made day to day by a fund manager. Amy thinks this is not a one-time issue. Large private companies have been staying private longer and going public at larger sizes. That means investors may keep seeing a large gap between when a company becomes enormous and when it appears in an index fund. The practical takeaway is not to reshuffle a portfolio because of a headline. The better move is to understand what your funds actually own and why they own it. Investors should check whether their index exposure reflects their goals, either with an advisor or through careful research. The calm, fact-based review is more useful than reacting to news. (00:00:00) - Intro (00:00:57) - Do index funds automatically own the biggest companies? (00:01:54) - Does SpaceX's absence actually matter for investors? (00:03:14) - Where this shows up in real accounts (00:04:43) - Active versus passive fund management explained (00:06:15) - Is this a pattern we'll keep seeing? (00:07:23) - What investors should actually do (00:09:18) - Closing and contact info To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

Smart, Not Spoiled: The 7 Money Skills Kids Must Master Before Leaving the Nest by Chad Willardson https://www.amazon.com/dp/1544524250 Chadwillardson.com Two-thirds of American parents today think their children are spoiled. From toys and laptops to smartphones and cars, our kids have grown increasingly entitled in what they believe we should do for them. Kids may not appreciate the value of a dollar, but it's hard to blame them. After all, what have they learned about money? Managing finances is rarely covered in schools, and as a parent, you probably don't know where to start. How do you provide a strong foundation of financial knowledge for your kids with these gaps? What should they learn each year? How do you teach a skill set you never received yourself? In Smart, Not Spoiled, financial expert and bestselling author Chad Willardson provides you with practical tools, tips, and stories that will help you teach the kids in your life how to think about money. Chad explores the seven skills your kids should know—and master—before they're adults and helps you improve the financial literacy of everyone in your household. When it comes to financial success, you want your kids informed and prepared. This book is your chance to learn together so that the new path you forge for future generations is the right one. About the author Chad Willardson, CFF, CRPC, AWMA, is the President of Pacific Capital (a fiduciary wealth advisory firm he founded in 2011 that serves entrepreneurs and families) and ELEVATED (a coaching program for a select group of growth-focused entrepreneurs). He is the author of six best-selling books, creator of a new banking app that helps kids manage money, and Co-Host of The Smart Money Parenting Show, number 2 Podcast on Apple worldwide for Parenting, Kids & Family. Before founding Pacific Capital, he spent 9 years at Merrill Lynch, where he ranked in the top 2 percent of over 16,000 Financial Advisors nationally. In addition to serving the family office clients of Pacific Capital, Chad also manages the 650 million dollar investment portfolio as the elected City Treasurer in his community. Chad is recognized as one of the top wealth management experts in the country and has appeared in The Wall Street Journal, Forbes, Inc., NASDAQ, Yahoo Finance, U.S. News & World Report, InvestmentNews, Entrepreneur, and Financial Advisor Magazine. He lives in Southern California with his wife, Amber, and their five children.

For an estate plan to work in real life, your legal documents, account titles, beneficiary designations, tax strategy, and broader financial plan all need to align. That is why coordination between your estate planning attorney, CPA, and financial advisor matters.In this episode of the A Wiser Retirement® Podcast, Senior Financial Advisor Shawna Theriault, CFP®, CPA, CDFA® sits down with Estate Planning Attorney Arun Gupta of AG Law, and Jordan Gary, CPA of Jones & Kolb to talk about why estate planning isn't a solo effort, and what happens when your professional team actually works together. Related Podcast Episodes: Ep 314. The Simple Estate Planning Error That Could Hurt Your FamilyEp 329. Digital Estate Planning: What Happens to Your Online Life?Related Financial Education Videos:Using an Online Estate Planning Service vs Using a Local AttorneyPrevent Family Conflict with Legacy PlanningOther Links:AG LawJones and KolbLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more!Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

Are you unintentionally setting a tax trap for your future self in retirement? In this episode of Retirement Coffee Talk, Charisse Rivers deconstructs the hidden pitfalls facing everyday investors and do-it-yourselfers. From the surprising realities of retirement income sources to the rigid nature of cookie-cutter target-date funds, discover why generic financial advice often falls short. Learn how overlooked tax planning and Required Minimum Distributions (RMDs) can trigger a costly domino effect on your Medicare premiums and explore the critical role of stress-testing your portfolio against market volatility. Like this episode? Hit that Follow button and never miss an episode!

Sarah Dale is President of Know No Bounds and Partner at Performance Insights, where she works with financial advisors and financial services firms to enhance leadership, team performance, and business growth. Specializing in executive coaching and organizational development, she helps professionals build resilience, strengthen relationships, and maximize their potential. 1:11 Adapting Without Compromising Core Values 5:25 Why Leadership Vision Must Be Lived, Not Framed 10:42 The Career Opportunity That Changed Everything 12:31 Great Advisors Don't Automatically Become Great Leaders 17:20 The 7-Person Team Threshold in Wealth Management 20:32 Financial Advisor Coaching: Building High-Performing Support Teams 28:03 Using DISC to Improve Team Dynamics and Client Relationships 34:06 The Partnership Mistake That Became a Hinge Moment 36:51 Why Mindset Drives Every Leadership Decision 38:42 Mental Toughness in Wealth Management: Adapt or Get Left  Behind 41:51 Abundance Thinking, Hiring, and RIA Growth 45:53 Advisor Succession Planning Is Really About Trust 48:21 The Identity Challenge of Retirement for Financial Advisors 54:27 Stop Pointing Fingers and Take Ownership of Growth   Don't forget you can also follow Dr. Rob Bell on Twitter or Instagram! Follow At: X @drrobbell Instagram @drrobbell Download Your Daily Focus Map! https://drrobbell.com/  5 Mental Toughness Advantages for Financial Advisors: https://pages.drrobbell.com  If you enjoyed this episode on Mental Toughness, please subscribe and leave a review! Dr. Rob Bell  

The Real Reason Most Financial Advisors Fail to Scale Magellan Network Show | Summer Practice Scaling Series, Episode 1 After 32 years of coaching financial advisors, Joe Lukacs has seen the same pattern hold back even the most ambitious practices: it's not strategy, it's identity. In this opening episode of the Summer Practice Scaling Series, Joe unpacks the foundational framework he uses to help advisors double, triple, and quadruple their top-line revenue in three to five years, and it starts long before any business model is built. In this episode: • Why your current identity can't cash the checks your ambition is writing • The 4-Box Framework every successful scaling plan must have (and why most advisors only focus on 2 of them) • The Rocking Chair Test, a powerful exercise to find out if you're truly committed to more • How to set an impossible 10-year goal that forces your brain to think differently Why every business is a direct reflection of the psychology of its leader Whether you're motivated by lifestyle, legacy, or leaving it all on the field, this episode will challenge you to stop hoping for growth and start committing to it.

How can financial advisors get found in AI search, build trust faster, and use online reviews in a compliant way?In Episode 111 of The Influential Advisor Podcast, Paul G. McManus interviews Brian Thorp, Founder and CEO of Wealthtender, about one of the biggest opportunities in advisor marketing today: compliant online reviews as a trust signal for Google, ChatGPT, Gemini, Perplexity, Claude, and other AI-powered search tools.Financial advisors have always relied on referrals, reputation, and trust. But today, before a prospect reaches out, they are often searching online, reading reviews, asking AI tools who to consider, and comparing advisors before the first conversation ever happens.That means your digital reputation matters.In this episode, Paul and Brian discuss how financial advisors can use compliant online reviews, third-party credibility, Google visibility, and AI search optimization to help prospects make a more informed decision about whether you may be the right advisor for them.You'll learn:How financial advisors can get found in AI searchWhy online reviews are becoming a major trust signalHow compliant reviews differ from traditional Google reviewsWhat the SEC Marketing Rule changed for testimonials and reviewsWhy ChatGPT, Gemini, Perplexity, and other AI tools may use reviews to summarize reputationHow reviews can support SEO, AEO, and GEO for financial advisorsWhy “stars” matter, but client stories matter even moreHow advisors can ask for reviews without cherry-pickingHow reviews can help independent advisors compete against larger firmsWhy advisor-level reviews may matter as much as firm-level reviewsHow niche advisors can use reviews to strengthen local and specialized visibilityWhy a book, a website, LinkedIn, Google Business Profile, and reviews all work together as authority signalsThis conversation is especially relevant for independent financial advisors, RIAs, wealth management firms, advisor marketing teams, and practice leaders who want to understand how trust is built in the age of AI search.If you are a financial advisor wondering how to show up when someone asks ChatGPT, “Who is the best financial advisor for me?” this episode will help you think through the credibility signals that matter.Learn more about Influential Advisor Media:https://influentialadvisor.com/Learn more about Wealthtender:https://wealthtender.com/COMMON QUESTIONS ANSWEREDCan financial advisors use online reviews?How can advisors ask clients for reviews compliantly?Do financial advisor reviews help with SEO?Can online reviews help advisors show up in ChatGPT?What is the difference between Google reviews and Wealthtender reviews?How do testimonials work under the SEC Marketing Rule?How many reviews does a financial advisor need?Why do online reviews matter for financial advisor referrals?How can advisors build trust before the first meeting?How can financial advisors improve AI search visibility?#FinancialAdvisorMarketing #FinancialAdvisorReviews #AIsearch #Wealthtender #AuthorityMarketing #FinancialAdvisors #RIAmarketing #AdvisorSEO #AEO #GEO #TheInfluentialAdvisorSupport the show

The right financial advisor can help bring clarity, confidence, and direction to your retirement plan. But not all advisory relationships are created equal. In this week's podcast, we discuss the qualities that matter most in a retirement advisor, the questions every investor should be asking, and how to determine whether you're receiving the guidance you need to help achieve your goals. Whether you've worked with an advisor for years or are simply curious about what great financial planning looks like, this episode offers valuable insights to help you make informed decisions about your financial future. Listen now and discover what to look for in a trusted retirement planning partner.

Scaling sounds great until you find out what it costs you. Every advisor wants the high multiple. Far fewer want the version of themselves required to earn it. Frank LaRosa and Stacey Frank tackle the transition that trips up most advisors, the move from doing the work to owning the business to leading it as a CEO. The dream is an enterprise level practice. The obstacle is that the advisor is still the one holding every relationship and refusing to let go. In this conversation they get into why advisors resist building real infrastructure, why holding onto clients forever quietly limits the business and why the next hire that actually moves the needle is rarely another producer. They also talk through the cost of waiting to invest and the mindset that separates advisors who reach the next level from those who keep talking about it. If you want to grow but keep doing everything yourself, this episode points straight at the thing holding you back.   Questions answered in this episode include: What does it really mean to move from practitioner to business owner to CEO? Why do so many advisors say they want to scale but never actually do it? At what point do you have to stop working directly with your clients? What is the difference between working in your business and working on your business? Why is hiring an executive assistant more important than hiring another salesperson? How early should you build the team for the business you want to become? What does it cost an advisor to keep being cheap with key hires?   Chapters: 00:00:00 The crux of where advisors get scaling wrong 00:00:34 Welcome and the practitioner to CEO transition 00:03:49 Are you ready to be the business owner 00:07:30 The mic drop moment about giving up clients 00:09:33 The real mistake advisors make when they scale 00:11:33 In the business versus on the business 00:19:16 The most important hire is not who you think 00:19:51 Build the team today before you think you need it   Learn more about Elite and our resources: Elite Consulting Partners | Financial Advisor Transitions https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers and Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Elite Wealth Management Insights Report https://eliteconsultingpartners.com/insight-report Listen to more Advisor Talk episodes https://eliteconsultingpartners.com/podcasts/

Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Host: Ben Criddle (@criddlebenjamin) and Co-Host: (ronthe3manweav)Subscribe to the Cougar Sports with Ben Criddle podcast: Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676

If you've ever struggled to come up with meaningful gifts, memorable client experiences, or even remember the little details that matter most to your clients, this episode is for you. In this Efficient Friday episode, Libby dives into the power of building a Client Intel Process—a simple but powerful system for gathering, storing, and using personal information to deepen relationships and create remarkable client experiences. More importantly, she shares the common mistakes advisors make when collecting client intel and how to avoid turning something thoughtful into something transactional. Based on conversations from a live Q&A with advisors inside The First 100 Days course, this episode will help you create more authentic connections with clients while using process to support—not replace—the human element of your practice.In this episode, you'll learn:Why asking clients to fill out a questionnaire about their preferences can actually diminish the impact of future gifts and gesturesHow to gather meaningful client intel naturally through conversations, observation, and the practice of "double-clicking"Creative ways to use personal information to surprise, delight, and strengthen client relationships throughout the yearHow to build a simple process for capturing and accessing client intel so no important details get lost over timeThe best client experiences aren't built on expensive gifts or elaborate gestures. They're built on making people feel seen, known, and valued. By creating a thoughtful Client Intel Process, advisors can use systems and processes to deepen human connection, strengthen trust, and create experiences clients remember long after the financial planning conversation ends.Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Learn practical steps for finding and hiring a financial advisor. Discover how to evaluate credentials, ask the right questions, and build a trusted relationship that helps you simplify decisions and take control of your financial future.

In this episode of the Optimized Advisor Podcast, host Scott Heinila sits down with award-winning marketing strategist Tiffany Markarian, who brings over three decades of experience coaching financial advisors on scaling their businesses and deepening their marketing traction. The discussion opens with the evolving advisor landscape — an aging workforce, the rise of technology and AI, and the expanding geographic reach those tools enable. Tiffany cautions that technology is meant to make the back office more efficient so advisors can be more client-facing, not to replace the relationship-building and networking that actually generate qualified prospects. "Hope is not a plan," she notes, pushing back on the "post and hope" approach to content marketing. From there, the conversation turns to the core distinction between growth and scale. Tiffany argues that most practices are struggling with scale — the day-to-day capacity to serve clients well — rather than a shortage of growth opportunities. She lays out a concrete exercise: run every household in descending order of revenue, tally the hours the entire staff (not just the advisor) spends servicing each one, and tier clients honestly. The numbers often reveal that lower tiers are being over-served at a loss, while top clients point the way toward profitable niche networks the advisor didn't realize they already had. The episode also explores the choice every successful advisor eventually faces — remaining a lead "income producer" or building an enterprise — and emphasizes that both paths are valid as long as the advisor is honest about the trade-offs and listens to their staff. Tiffany and Scott close with a look ahead at continued M&A activity, rapid technology adoption, and clients demanding broader planning services, concluding that a loyal client base anchored in a clear niche is what carries an advisor through whatever changes come.   **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Right now there's a wave building in our industry, and most advisors are standing on the beach pretending it isn't there.AI isn't coming. It's here. And the gap between the advisors who lean into it and the ones who keep waiting is about to get a lot wider.In this episode, I sit down with Michael Hyatt — New York Times bestselling author, longtime entrepreneur, and someone who's quietly built an entire team of AI agents running inside his own business.We get into the tension every financial advisor is thinking about: privacy, client data, compliance, technical knowledge, and where AI actually fits in a relationship-driven business.Michael also explains where this is all headed, and why the biggest opportunity may not be replacing human work, but creating more space for the work only humans can do.If you've been telling yourself you'll figure AI out later, or that it doesn't really apply to a business like ours, this conversation might change your mind about how much time you actually have.3 Insights From This Week's Episode…#1.) The Story That's Quietly Costing Advisors Their FutureWhen AI comes up, a lot of smart, successful advisors check out. They decide it's too technical, too risky, or too late to start. Michael explains why that reaction has nothing to do with age or ability, and everything to do with something far more dangerous.#2.) The Client Data Objection Everyone Hides Behind"I deal with people's finances, so AI doesn't apply to me." It's the most common wall advisors put up, and on the surface it sounds responsible. We dig into why that thinking is more outdated than you'd expect, and what hiding behind it might be costing you.#3.) The New Advantage in a Relationship Business Financial advice is built on trust, presence, and human connection. We explore why AI may actually increase the value of great advisors by helping them show up more prepared, more focused, and more available for the work only humans can do.SHOW NOTEShttps://bradleyjohnson.com/173FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hiring a financial advisor is a big decision. My "How to Interview a Financial Advisor" worksheet gives you the tools to navigate the process and choose an advisor who fits your goals. Download it for free. -----  In this episode, I'm joined by Cameron Passmore, co-host of The Rational Reminder and a leader at PWL Capital, to discuss whether financial advice can scale without getting worse. We explore why the portfolio problem may be easier to solve than the advice-business problem, and what advisors need to do once low-cost, evidence-based investing becomes the starting point rather than the value proposition. Listen now and learn: ► Why Cameron believes the future of advice depends on better firms, not just better portfolios ► How fee transparency could force advisors to better define and defend their value ► What scaled advisory firms can do that solo advisors and smaller practices often cannot ► How private markets, AI, and investor behavior will shape the next decade of financial advice   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)   Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.  

Text a question to Victoria!Do you dread looking at your financial statements? This conversation with Danielle Hayden might be the bit of encouragement you need to change your perspective. Danielle is the founder of Kickstart Accounting Inc. and brings 15+ years of finance experience to help six and seven-figure founders understand their numbers, feel confident making financial decisions, and build sustainable wealth.In this episode, Victoria and Danielle cover the four money personality types she sees most often in entrepreneurs and how understanding your money mindset can change how you run your business. They dive into the impact childhood experiences have on your present-day view of money, money myths that keep entrepreneurs stuck, and why relying on AI tools for financial planning can be problematic.If you've ever told yourself, “I'm just not good with numbers”, spend from a place of fear or lack, or simply avoid looking at your finances altogether, this conversation will inspire you to approach your numbers with clarity and confidence. Whether you're deep cleaning your house or sipping on a latte from your favorite local coffee shop, you'll leave this episode feeling empowered to know your numbers.Links Mentioned in Today's Episode:Work With Kickstart AccountingFollow Kickstart on InstagramFollow Danielle on InstagramListen to Business By the Books PodcastFor show notes, head to www.thebrandingbusinessschool.com/thepodcast/Show notes for episodes 1-91 can be found at www.brandwelldesigns.com/thepodcast/Follow BrandWell on Instagram. Follow The Branding Business School on Instagram.Save on your first year of Honeybook using this link! Save 50% off your first year of Flodesk using this link! Get $30 off your first month of Nuuly using this link!Get up to $150 off your first box of Factor Meals using this link!

Most Retirees Will Run Out of Money. Here's Why. Many Americans enter retirement believing they have enough saved, but the reality can be very different. Inflation, healthcare expenses, taxes, market volatility, and spending habits can put tremendous pressure on a retirement portfolio over time. **Schedule your free virtual consultation

Promoting a high-producing advisor into a leadership role without teaching them how to lead isn't development, it's a risk transfer. Ray Sclafani has seen this pattern play out across hundreds of advisory firms: the best advisor gets promoted, the firm assumes leadership will follow, and within months the culture quietly starts to fracture. In this episode, Ray makes the case that leadership development is not a soft-skills initiative as it is an operational and economic imperative that directly shapes growth, retention, client experience, and enterprise value.What You Will Learn in This EpisodeWhy promoting high performers without leadership training is one of the most common and costly mistakes in wealth managementThe five direct questions every leadership team should ask to diagnose their management infrastructureHow to define what "meeting," "exceeding," and "far exceeding" expectations looks like for every leadership role in your firmHow to build a leadership scorecard that makes accountability observable, coachable, and measurableWhy leadership depth, not any single rainmaker or founder, is what allows a firm to grow without breakingKey Insight from This Episode"Promoting a high-producing advisor into a manager or leadership role without teaching that person how to lead is not development. That is a risk transfer."Leadership is not a reward for strong performance. It is a distinct skill set that requires training, structure, and ongoing accountability. The firms that invest in building that infrastructure now will have the bench depth, the culture, and the continuity to compete at the highest level — and to scale without depending on any one person.The Five Questions to Diagnose Your Leadership InfrastructureAsk your leadership team right now:Performance Reviews: Do you conduct performance reviews more than once a year?One-on-Ones: Do managers hold one-on-one meetings with their direct reports at least monthly?Feedback: Do employees receive regular, real-time feedback — not just at review time?Defined Standards: Have you defined what meeting, exceeding, and far exceeding expectations looks like for every role in your firm?Manager Accountability: Are managers held accountable for engagement, retention, and the development of the people they lead?If the honest answer to most of those is "no" or "not consistently," you have a leadership development gap and that gap has a direct cost.The Four-Step Framework for Building LeadersStep 1 — Define the Leadership Role Vague expectations produce vague performance. When a person is promoted to manager, their scope must be explicit and written down: What do they own? Which decisions are theirs to make? Which require alignment? Which belong elsewhere? Clarity here is not bureaucratic, because it is the foundation of effective leadership.Step 2 — Define What Strong Performance Looks Like For every leadership role, articulate three levels:Meeting expectations — Holds regular one-on-ones, provides timely feedback, follows through on commitments, keeps the team alignedExceeding expectations — Develops talent ahead of need, strengthens team capacity, reduces confusion, helps others make better decisionsFar exceeding expectations — Develops leaders who develop other leaders, builds scalable systems, improves retention, reduces the firm's dependence on any single personOnce the levels are defined, performance conversations, calibration, comp decisions, and development plans all improve. People stop guessing.Step 3 — Build a Feedback Cadence Annual reviews are too slow. By the time the review occurs, everyone already knows what should have been said months earlier. Managers should hold regular one-on-ones, provide feedback in real time, and ask the questions that matter: What is working? What is unclear? What needs to change? What support is required? What are you learning? Where do you want to grow? Feedback should not be dramatic. It should be normal.Step 4 — Hold Leaders Accountable for the People They Lead A manager should be evaluated not only on their personal performance or technical competence, but on the engagement, retention, development, and performance of their team. If a leader is personally successful but leaves behind confusion, burnout, or turnover, that is not strong leadership. Create a leadership scorecard for every manager in your firm. Include five measures: communication rhythm, feedback quality, talent development, accountability, and team health. Review it quarterly. Coach to it. Compensate it.Coaching Questions for ReflectionWhich leaders in your firm, including you, have been promoted based on production or contribution, but never trained to lead?Where have you clearly defined performance expectations, and where are people still guessing?Which leadership behaviors should be measured because they directly shape culture and retention at your firm?What would change if managers were held accountable for the growth of the people they lead?Why This Matters for Enterprise ValueManagers shape the firm's lived experience. Not the values poster in the break room. Not the retreat agenda. Not the title structure. Managers decide how feedback is delivered, whether accountability is real, whether talent is developed or ignored, whether high performers are challenged, whether underperformance is tolerated, whether meetings are useful, and whether people feel stretched, supported, and included.SHRM research shows that only 44% of managers globally have received formal management training. More than 90% of HR executives say people managers are critically important to organizational success — and job satisfaction nearly doubles among workers with highly effective managers.For advisory firms, this isn't abstract. Leadership development affects growth and retention, client experience, and ultimately the enterprise value of what you are building.The firms that develop leaders will win — because they will not rely on any single founder, rainmaker, or heroic operator. They will build bench depth. And that bench depth is what allows a firm to grow without breaking.Resources & References MentionedSHRM — Global Management Training ResearchKorn Ferry — Workforce 2025 Research ReportBuilding the Billion Dollar Business is hosted by Ray Sclafani, founder and CEO of ClientWise, the financial services industry's leading executive coaching and team development firm for elite advisors and wealth management teams.Find Ray and the ClientWise Team on the ClientWise website or LinkedIn | Twitter | Instagram | Facebook | YouTubeBuilding The Billion Dollar Business

Most people come to a wealth manager for one reason: their finances. But what if focusing exclusively on financial wealth is actually making it harder to achieve? Nurturing the various types of wealth (social, physical, mental, time, and financial) is the central idea behind Sahil Bloom's book, The 5 Types of Wealth.  In this episode, host Chris Galeski sits down with Wealth Advisor Bruce Tyson to reflect on Bloom's framework. The conversation weaves together philosophy, personal experience, and practical wisdom, including Bruce's own story of losing his home in the Palisades Fire and how decades of intentional relationship building showed up exactly when it mattered most. Key Takeaways Financial wealth is the starting point, not the destination. Focusing exclusively on money at the expense of your health, relationships, and time can make the very life you are building toward feel empty when you arrive. The five types of wealth work together as a system. Social wealth is the one most likely to get sacrificed — and the hardest to rebuild. People who spend years prioritizing work over relationships often retire to find their social circle has quietly disappeared. The time to invest in relationships is before you need them. Curiosity is one of the few things that can permanently raise your baseline happiness. Most achievements — awards, promotions, financial milestones — produce a temporary lift before happiness returns to its baseline. Intellectual curiosity is different. It compounds. Time wealth is what most people are actually trying to buy. The goal of financial planning is not a number. It is control over your time. Understanding that early changes how you save, spend, and make decisions throughout your life. Living within your means is not a limitation — it is a foundation. The pursuit of wealth that exceeds your actual assets is a reliable source of stress. Knowing what is enough, and being honest about it, is one of the most underrated financial decisions a person can make.  

Send us Fan MailI started taking RMD‘s two years ago. RMDs may be straightforward, but the decision is not!                                                                                                                      Since taxpayers with a qualified retirement plan normally take RMD‘s, there are questions concerning timing and best strategies once RMDs are required.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

On this episode: The over heated stock market, the war, and inflation: Are these things keeping you from retiring? Have we found the perfect number for your IRA-to-Roth conversion? The purpose for a Will and how you spend your inheritance. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

What if the biggest threat to your retirement isn’t the market—but something far more personal and unpredictable? In this episode, Jim Fox takes a raw look at how healthcare, long-term care, and unexpected life events can impact retirement plans. The conversation highlights why planning goes far beyond investments, covering income gaps, Medicare complexities, and the rising cost of care. Jim explains why these real-world risks are often overlooked—and why building a strategy that accounts for them can make a meaningful difference when life doesn’t go according to plan. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Stand-up comedian and writer Josh Johnson returns to Money Rehab nearly two years after his first time on the show. Since then, he has become a hosting correspondent on The Daily Show, reached millions of followers on socials and continued to post a new stand up set to YouTube (he's done this for 156 consecutive weeks). He talks about how he's avoided lifestyle creep as his career has flourished, the best money advice he's received, and why being broke is like drowning in a swimming pool.     Then, Nicole gets Josh's take on some of the strangest recent money headlines, including a woman who reportedly saved $15,000 on groceries by going on dates, Victoria's Secret stock jumping 48% after changing its ticker to “VSXY,” and why taxes are apparently making Gen Z cry. Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Follow Josh Johnson's incredible work and see him live! Listen to Josh's first interview on Money Rehab Here's what Nicole covers with Josh: 00:00 Are You Ready for Some Money Rehab? 01:46 What's Changed Since Last Time 04:10 The Ownership Illusion 06:28 Why Even Billionaires Never Feel Safe 08:00 How to Stop Moving the Goalpost on Financial Safety 09:18 Lifestyle Creep 12:00 Selling Shoes on eBay and Wikifeet 14:03 The Poisoned Pizza Story 15:18 Why Being Broke Is Like Drowning 19:00 Money-Saving Extremes 24:40 The Culture of Greed and “Good Business” 26:39 Food Insecurity in America 32:17 Cheap Corruption and Political Money 33:03 Structured Notes 37:38 Are We Doing NFTs Again? 40:37 Why Josh Is Skipping AI IPOs He Doesn't Understand 43:00 Funny Money 43:12 The Guy Who Asked His Date for a Venmo Refund 44:53 The Woman Who Saved $15K in Groceries by Going on Dates 46:22 Victoria's Secret's 48% Stock Surge From a Ticker Change 49:00 The $80K AI Deepfake Soap Opera Scam 51:39 Have Taxes Ever Made You Cry? 55:31 Trump's Face on a $250 Bill 59:23 Josh Johnson's Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Financial Advisors React is back with some of the wildest money clips on the internet. From “money is just an idea” and private chef tax write-offs to trading challenges, student loan reality checks, and people who have never heard of a 401(k), Brian and Bo break down the financial lessons hidden inside the chaos. Along the way, they cover investing, saving, retirement planning, index funds, wealth building, financial literacy, and why getting rich is usually a lot less exciting than social media makes it look. If you've ever wondered whether internet money advice actually works, this episode is for you. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

The most expensive financial advisor many people will ever have doesn't send an invoice. It doesn't show up on a fee disclosure. It never introduces itself. But it has shaped more financial decisions, and quietly eroded more wealth, than almost any market downturn, bad product, or conflicted advisor ever could. That advisor is fear.  Fear is the most expensive financial advisor you'll ever have because it rarely looks like panic in the moment. It often feels like wisdom, caution, urgency, or responsible planning. And it tends to show up in two forms. There's the fear of losing what you have, driving over-protection, paralysis, and a growing pile of products you can barely explain.  And there's the fear of missing out, driving premature decisions, underestimated risk, and the nagging sense that you need to move before the window closes.  Neither version is obviously destructive from the inside. Both feel like good judgment at the time. https://youtu.be/OY4kzrZGsYU This article isn't an argument against caution, protection, or careful planning. It's an argument for knowing the difference between a decision made from purpose and one made from panic. Because that difference, compounded over years, is enormous. Key takeaways:Fear Is Subjective, and That's Why It's So Hard to AddressHow Financial Fear Gets ManufacturedThe Two Faces of Financial FearWhat Fear-Based Decisions Actually CostThe Opportunity Cost of Displaced CapitalThe Coordination Cost of FragmentationThe Advisory Cost of Fear ManagementThe Confidence Cost Nobody Talks AboutSigns Your Financial Life Is Running on FearThe Antidote Is Clarity of Purpose, Not FearlessnessSafety, Liquidity, and GrowthThe LIFE FrameworkThe Wealth Creator's Cash Flow SystemProtection Is Not Fear, When It's Done RightStart With Clarity, Not FearBook a Strategy CallFrequently Asked QuestionsWhat is fear-based financial decision-making?How does financial fear affect long-term wealth?What is the difference between fear-based planning and prudent planning?What does "clarity of purpose" mean in financial planning?How do I know if my financial advisor is managing through fear?What is the LIFE framework for financial planning? Key takeaways: Fear operates as a financial advisor that most people never identify or fire It appears at both ends of the risk spectrum: loss aversion and fear of missing out Much of the financial marketing ecosystem is designed to manufacture and amplify fear The hidden costs of fear-driven decisions don't appear on any statement Clarity of purpose, not fearlessness, is what replaces reactive decision-making Frameworks like safety/liquidity/growth and the LIFE model transform fear into strategy Fear Is Subjective, and That's Why It's So Hard to Address Financial fear is not a character flaw. I want to be clear about that from the start. It's a real emotional experience, and throwing a spreadsheet at someone who is genuinely afraid does not help them.  That approach respects the numbers, not the person. Behavioral finance research has spent decades documenting this: logic alone doesn't move people out of fear. Education does, but only when the emotion is acknowledged first. Fear is also deeply subjective, which makes it especially difficult to work with. Ask two people how much risk they want to take, use a word like "moderate," and you'll get two completely different answers. And that's before anything has actually happened.  Real risk tolerance isn't revealed on a questionnaire. It's revealed when the market moves, when the headline is bad, when the number on the screen is lower than it was last month. There's a question worth sitting with: if your portfolio could go up $50,000, but you had it positioned too conservatively to capture it, versus if your portfolio simply dropped $50,000, which one would keep you up at night? Neither answer is wrong. But your answer tells you something real about which form of fear has more influence over how you make decisions. Loss aversion and the fear of missing out are both fear. They just feel different from the inside. The goal here isn't to eliminate that fear. That's not possible, and it wouldn't be useful even if it were. The goal is to help you recognize when fear is driving your financial decisions rather than informing them. That recognition, small as it might seem, is where things start to change. How Financial Fear Gets Manufactured Some of the fear you carry is yours. You developed it through experience: a job loss, a market crash, a parent who ran out of money before they ran out of life. That fear is real, and it deserves to be understood on its own terms. But some of the fear in your financial life was handed to you. And it's worth knowing the difference. Much of the financial media and marketing ecosystem runs on fear. Headlines about market crashes, dollar collapse, sequence-of-returns risk, and outliving your retirement savings: these are real concerns, but they're frequently presented in ways designed to provoke a reactive emotional response rather than a considered decision.  Fear sells because it works. Money psychology is clear on this: emotions drive financial action more reliably than information. A financial professional who leads with a terrifying scenario creates urgency. A product that promises to solve that scenario feels essential. Before acting on a financial fear, ask yourself whether it was yours before the conversation. Did you have this concern before you saw the headline, heard the pitch, or sat through the seminar? Or did someone hand it to you? None of this means every financial professional who raises difficult scenarios is acting in bad faith. Many of those scenarios are genuinely worth planning for. But there's a meaningful difference between naming a risk so it can be addressed deliberately and naming a risk to generate anxiety that only one specific product can relieve. The result of a financial life assembled from responses to manufactured fear tends to look the same: a collection of individual products that each solved a specific scary problem, with no one asking whether those products coordinate, complement each other, or serve a single unified strategy.  A friend of mine once described the advice her sister gave every customer at the furniture store where she worked: start with a vision, know what you want the room to feel like, and choose everything together.  Because buying one piece at a time and hoping it comes together almost never produces something coherent. You can furnish a room that way. You just can't furnish a room that works. A financial life built on fear works the same way. The Two Faces of Financial Fear Most people think of financial fear as loss aversion, the fear of markets dropping, money disappearing, and security evaporating. And that version is real. It drives people toward over-protection, toward keeping too much in cash, toward accumulating overlapping insurance products because each one addressed a specific nightmare scenario that someone painted vividly enough. But there's an equally destructive form of fear sitting on the other end of the spectrum - the fear of missing out (FOMO). This is the fear that drives people to retire before their plan can genuinely support it, not because the numbers work, but because they're afraid of missing the active, healthy years of their life.  It's the fear that pushes people toward high-return investments they don't fully understand because everyone else seems to be participating. It's why some people avoid protection strategies entirely: buying life insurance or long-term care coverage feels like an admission of vulnerability they're not ready to make. Imagine it as a bell curve, with loss aversion on one end and FOMO on the other. Neither extreme produces good decisions. The healthy middle is what I'd call abundance thinking: recognizing that money is a replenishable resource, created through relationships, knowledge, and purposeful action. It doesn't ignore risk. It addresses risk from a position of intention rather than anxiety. What Fear-Based Decisions Actually Cost The real expense of fear-driven financial decisions is that almost none of it shows up anywhere you'd look for it. There's no line item. No statement entry. No advisor who sends you an invoice for the cost of reactive decision-making. The costs are real, they compound, and they're almost entirely invisible. The Opportunity Cost of Displaced Capital Every dollar invested in a product purchased out of fear is a dollar that can't be deployed into a more coordinated strategy. If that product carries surrender charges, penalty periods, or reduced liquidity, the cost compounds further. What that capital could have produced in a more purposeful position never appears on any statement. It simply doesn't exist. The Coordination Cost of Fragmentation Fear-driven purchasing happens one product at a time, in response to one scary scenario at a time. The result is strategies that contradict each other: a product purchased to address a tax concern working against an investment approach, a protection strategy drawing capital away from the foundational work that would amplify everything else.  Nobody is watching the whole picture. Nobody has an incentive to. Financial fragmentation is expensive, not because any individual product is wrong, but because nothing is coordinated. The Advisory Cost of Fear Management An advisor who manages primarily through fear has a structural incentive to keep that fear alive. This isn't necessarily malicious, but it's worth recognizing. Fees aren't inherently bad. What matters is whether the fee is buying clarity and coordination, or just temporary relief from anxiety. The Confidence Cost Nobody Talks About This is the most invisible cost of all....

Stephen Kates, Financial Advisor at Bankrate, joins Lisa Dent to discuss the latest market numbers and what those numbers mean for homebuyers and builders, as well as the state of the housing market.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  The SEC is uncovering a troubling pattern across the investment industry: hidden compensation arrangements, undisclosed revenue-sharing agreements, double billing, and clients being charged fees that don't match their contracts. Chris breaks down how some advisors profit from conflicts of interest, cash sweep programs, and questionable fee practices—and explains the red flags every investor should watch for. Before you trust someone with your financial future, make sure you know exactly how they're getting paid.

He's only 22 years old...yet, he has held a Financial Advisor's license for a year, and is currently working with a wealth management firm. Grayson Bishop is a Gen-Z'er who is on the move, and wise beyond his years. He shares his background and how he got into the business sans college. Also, the last interview from the recent SWC (US Christian Chamber Conference)...Karl Diffendurfer shares how he has been impacted from that organization, and how it is growing in his area of Pennsylvania.

What should you really expect from a financial advisor? Is your advisor acting as a fiduciary, managing risk, helping with taxes, retirement income, estate planning, and behavioral coaching, or just selling products and chasing performance? Richard Rosso & Jonathan McCarty break down the real role of a financial advisor, what services matter most, how advisors are compensated, and the warning signs investors often miss. We also discuss fiduciary standards, portfolio management, communication expectations, financial planning, and why transparency matters more than promises.. Here's a topical rundown of today's show: 0:00 - INTRO 0:33 - Jerome Powell, Kevin Warsh, & CPI Review 3:43 - Employment Numbers & Data Centers 5:28 - What Does Your Advisor Do? 9:34 - What Should You Expect? 13:07 - What Are You Getting vs Giving Up? 16:56 - Looking at Taxes on a Continuum 19:26 -Investment Management is Important 24:37 - Financial Advisors with Open Minds 27:41 - Fixed-cost vs Fee-based Financial Planning 26:15 - How to Deal with Emotional & Cognitive Biases 27:11 - Fiduciaries Focus on Things You Miss 28:30 - Proper Asset Location 30:03 - Fee Transparency - How advisors get paid 31:35 - Red Flag Warnings When Choosing an Advisor 33:11 - What Annuities Do (and Don't Do) 34:44 - Big Firms vs Small Firms - KYC 35:38 - Fee-only vs Fee-based Advisors 36:49 - What Comprehensive Wealth Management Should Look Like Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "The Perfect Planning Experiemce" https://realinvestmentadvice.com/ria-e-guide-library/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/HXafEWQMFuI?feature=share ------- Watch today's "Before the Bell" feature, "Momentum Mania Meets Market Rotation," here: https://youtu.be/bNIRIssbDP8 ------- Watch our previous show, "Inflation Surge Hits Markets?" https://youtube.com/live/UOSeQNOhcwI ------- * REGISTER for our next Candid Coffee, THIS Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialAdvisor #RetirementPlanning #Investing #WealthManagement #Fiduciary

Inflation just hit 3.8%, the highest it's been since 2023. That means that $100 you had in January? It's worth about $96.30 today. So today, Nicole breaks down three tools that protect your money when inflation runs hot: I bonds, TIPS, and gold. She explains exactly how each one works, who each is best for, and the critical differences between them — including why gold didn't spike during the pandemic inflation surge the way everyone expected, and why right now might actually be different. Plus, Nicole shares a little-known strategy called the "gift box" method that lets couples legally stack up to $40,000 in I bond purchases in a single calendar year. Here is a Money Rehab episode about how to invest in gold Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ Here's what Nicole covers today:  00:00 Are You Ready for Some Money Rehab?  00:18 Inflation Is Back — And We're All Feeling It  01:33 What's Driving the Surge (It's Not Just Gas)  02:30 What 3.8% Inflation Actually Does to Your Dollars  02:56 I Bonds: The Inflation-Fighting Investment Nicole Loves  04:34 I Bonds 05:06 TIPS  08:04 Gold: Flight to Safety or Inflation Hedge?  10:00 Why Gold Thrives When the Economy Is a Dumpster Fire  11:40 Tip You Can Take Straight to the Bank: The Gift Box Strategy All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Your firm name is not just a label. It is the brand people search for, refer and remember. And most advisors get it wrong. In this solo episode, Frank LaRosa pulls back the curtain on the naming conversations he has with breakaway advisors every week. Many default to their last name without realizing it can scare off the very advisors they hope to recruit. Others fall for a name that sounds great until a quick search turns up an identical practice down the street. Frank explains why your name carries far more weight once you are independent than it ever did inside a wirehouse, where clients simply trust you as their advisor. He digs into the real marketing math too, showing how a name that blends in with dozens of competitors forces you to spend more just to be found online. He closes with the practical checklist he runs through with every client, covering abbreviations, pronunciation, how the name feels when you say it out loud and whether it has a story worth telling. If you are preparing to launch your own firm, this is the framework to get it right before it ever goes live.   Questions answered in this episode include: Why does your firm name matter more after you break away than it did at a wirehouse? What happens when your name is too similar to other firms in your market? How does a crowded name drive up your marketing and SEO costs? Why should breakaway advisors think twice before using their last name? What is the difference between who you are and what you actually do for clients? What checklist should you run through before committing to a firm name?   Chapters: 00:00 The Hidden Cost of a Crowded Name 00:33 Welcome to Advisor Talk 01:00 Why Your Name Matters After You Break Away 02:08 The Story Behind the Name 04:40 SEO, Branding, and Standing Out 06:41 Lessons From Naming Elite 08:55 The Abbreviation and Pronunciation Test 10:46 How Elite Marketing Concepts Helps Advisors   Learn more about Elite and our resources: Elite Consulting Partners | Financial Advisor Transitions https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers and Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Elite Wealth Management Insights Report https://eliteconsultingpartners.com/insight-report Listen to more Advisor Talk episodes https://eliteconsultingpartners.com/podcasts/

Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Host: Ben Criddle (@criddlebenjamin) and Co-Host: (ronthe3manweav)Subscribe to the Cougar Sports with Ben Criddle podcast: Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676

A prospect can sit through an entire meeting, nod along, ask good questions, and still leave without fully understanding why they need you.That's the problem.Many advisors explain their value clearly, but they don't make it easy for prospects to see the difference between where they are today and where they could be with the right plan in place.In Part 2 of this three-part series, I break down one of the simplest ways to make your planning process feel more tangible, more understandable, and more compelling without overwhelming prospects with more information.3 Insights From This Week's Episode…#1.) Why Prospects Struggle To See Your ValueYou may understand the strategy, the software, and the planning opportunities sitting underneath the surface. But your prospect often just sees complexity. I cover why this disconnect matters and how it can quietly hurt your close rate.#2.) The Hidden Cost Of Leading With ComplexityAdvisors often walk into meetings with charts, projections, jargon, and too many decision points. The problem is that more information doesn't always create more clarity. We explore why this can make prospects hesitate instead of move forward.#3.) The Communication Trap That Kills TrustThere's a fine line between helping prospects see what's missing and making them feel judged for not already having it figured out. I unpack the mistake advisors make here and why tone can make or break the conversation.SHOW NOTEShttps://bradleyjohnson.com/172SPONSORED BY BELAYRunning a business is hard enough without trying to do everything yourself. BELAY helps busy leaders find world-class Virtual Assistants who can take tasks off their plate, protect their time, and help them stay focused on the work that actually moves the business forward. Learn more about BELAY and find the right assistant for your business here: http://belaysolutions.com/dbdlFOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Nicole is joined by journalist and podcast host Nayeema Raza, host of Smart Girl Dumb Questions, for a crossover episode! This is a shame-free conversation about the money questions we're all holding in, starting with perhaps the most loaded one of all: should you buy a home? Nicole breaks down the 5% rule for renting vs. buying, why she personally chose not to buy, and how to strip the emotion out of a decision that's usually anything but. She also answers common questions about debt, HSAs, growing generational wealth and more. Plus, Nayeema and Nicole talk about which expenses are worth going into debt for, and what Mark Cuban told Nayeema about how money can make you feel poorer the wealthier you become. Listen to Nayeema's podcast Smart Girl, Dumb Questions Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Here's what Nicole covers with Nayeema:  00:00 Are You Ready for Some Money Rehab?  01:17 Nicole's Controversial Take on Homeownership  04:44 The 5% Rule: Rent vs. Buy Math  08:37 Why Nicole Chose to Rent (And Invest the Difference)  12:30 How the LA Fires Changed Nicole's Relationship to Home  17:00 Not All Debt Is Created Equal: Good Debt vs. Bad Debt  20:02 What Rich People Know About Leverage  24:03 How Nicole Got Into (and Out of) Credit Card Debt  25:51 Avalanche vs. Snowball: Which Debt Payoff Method Wins?  28:09 The Shame Cycle Keeping People Stuck in Debt  29:18 The Debt Game: What's Worth It?  34:35 Investing in Your 20s: Nicole's Biggest Regret  36:27 Nicole's Daughter's Investment Portfolio  37:15 HSAs, 401(k)s, and Where to Put Your Money First  38:39 How Do You Know If You're Rich?  41:26 Mark Cuban on How Money Can Make You Feel Poorer  42:34 Nicole's "Dumb" Question  All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Use code MONEYGUY at Monarch.com to get your first year half off at just $50: https://bit.ly/monarch-moneyguy Americans aren't broke because of inflation, housing prices, or interest rates. The real reasons go deeper than that, and the good news is they're all within your control. Financial Advisors, Brian Preston and Bo Hanson, break down the three core reasons most Americans struggle financially, from the money knowledge most of us were never taught to the costly habits we keep repeating, and share what you can do to stay in control of your financial journey! ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Federal Reserve hasn't been this dramatic in decades. Today, Nicole breaks down everything you need to know about the Fed and exactly what it means for your wallet. Nicole explains how the federal funds rate actually works, why it doesn't directly set your mortgage rate (but still absolutely affects it), and which accounts move immediately when the Fed acts. She unpacks the Fed's dual mandate, and shares her prediction for what Kevin Warsh will do. Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Open a high yield savings account with SoFi at sofi.com/mnn Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:15 Why the Fed Is Bringing the Drama Right Now 00:57 What the Federal Funds Rate Actually Is 01:33 How Banks Borrow From Each Other Overnight 02:01 How the Fed Rate Affects You (And What It Doesn't) 02:21 High Yield Savings Accounts and the Fed 02:39 The Fed's Dual Mandate: Inflation vs. Unemployment 03:36 Where Inflation Stands Right Now 04:04 Inside the FOMC: How Rate Decisions Are Made 04:19 Meet the New Fed Chair: Kevin Warsh 04:49 Hawks vs. Doves Explained 05:08 Trump vs. The Fed: The Political Pressure 05:14 Austan Goolsbee Takes Us Inside the Room 07:30 Internal Dissent at the Fed: Not Seen in 30 Years 07:57 What to Expect from Markets on June 17th 08:53 Nicole's Prediction: Will Warsh Cut or Hold? 09:29 Tip You Can Take Straight to the Bank: High Yield Savings All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Olivia Ferney (@travelwithlivii) is the luxury travel agent to the ultra-wealthy, booking private jets, superyachts, and six-figure vacations for some of the richest people on earth. Today, she pulls back the velvet rope on what it's actually like inside that world. If you're trying to meet a billionaire client or investor, Liv tells you where they're hanging out. Liv tells Nicole the most outrageous client requests she's received, why saying "I have no budget" is the biggest red flag a client can send, and what to say to get a hotel upgrade. She also gets real about how working with billionaires has warped her own relationship with money, and the softer lessons she's taken away about what money actually can and can't fix. Plus: the Instagram-famous destinations she'd never recommend, where billionaires are actually traveling right now, and the shoulder season hack anyone can use to save real money on their next trip. Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Follow Travel with Livii learn more about Top Tier Travel Here's what Nicole covers with Olivia:  00:00 Are You Ready for Some Money Rehab?  02:15 Selling Her First Company at 21 and Moving to Miami  04:49 The Travel Agent Business Model  07:23 Flying Limes From Different Countries and Other Crazy Client Requests  09:36 What Clients Think About the Viral Videos  14:00 Are the Stereotypes About “New Money” True?  20:43 "Rich People F***ing Love a Refund"  22:44 Do Billionaires Have Budgets?  25:18 Overrated Destinations, Best Hotels, and Most Expensive Room Service  28:30 Where Billionaires Are Traveling Right Now  32:26 How to Get a Free Hotel Upgrade  39:16 How Working With Billionaires Changes Your Money Mindset  43:07 Rich and Depressed Is Still Depressed  45:30 Prenups, Working With Your Partner, and Wedding Plans  46:49 Liv's Tip You Can Take Straight to the Bank