Podcasts about financial advisors

Warren Buffett just stepped down as CEO of Berkshire Hathaway and the investing world is holding its breath. Today, Nicole breaks down the frameworks that turned a $1,000 investment in 1965 into over $30 million, and how you can apply them whether you have $100 or $100 million. She walks through the most iconic trades of Buffett's career, from Coca-Cola to Apple to his rare misses, and extracts seven timeless investing principles that have nothing to do with hot tips or market timing. Then Nicole turns to what's next: who is Berkshire's new CEO Greg Abel, what does he inherit, and what does a nearly $400 billion cash pile signal about Berkshire's future direction? 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 The End of an Era: Buffett Retires  01:03 The $30 Million Case for Long-Term Investing  01:27 Buffett's Simple (But Not Easy) Framework  02:00 The Coca-Cola Investment and Brand Loyalty as a Moat  02:53 The McDonald's Play 03:16 The Apple Surprise 04:12 Buffett's Misses 04:59 7 Investing Lessons You Can Use Right Now  06:03 Enter Greg Abel: Berkshire's Next Chapter  06:55 The $400 Billion Question  07:32 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.

On this episode: Should you be backing off your risk in this crazy market? Haven’t saved enough? Maybe you can double your savings in retirement. What works better: Paying taxes now on your 401(k) or pay taxes later? 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.

Tim Mann was raised in a blue-collar family in western New York, today's guest turned discipline, faith, and competition into a 40+ year career in financial services leadership. A former college football player at SUNY Plattsburgh, he went on to serve as Complex Director for Truist Investment Services, leading the firm's most prolific team of 42 client-focused advisors—producing $70M+ in annual revenue and managing $11B+ in assets. After surviving a life-threatening car accident in 2004 that forced him to relearn how to walk and speak, he redefined his approach to leadership. He now serves on the board of Folds of Honor, supporting educational scholarships for the families of fallen and disabled service members and first responders. 2:52 Building a 40-year career leading elite financial advisors 7:41 Early lessons from sports, competition, and mental toughness 11:15 Getting started in financial services and sales 17:30 The moment a life-threatening car accident changed everything 20:55 A month-long coma and the fight to survive 28:31 Learning to walk and talk again after catastrophic injuries 31:23 The slow grind of rebuilding strength and confidence 38:40 Leadership lessons from building high-performing advisor teams 45:10 Why compliance excellence starts with great hiring 52:30 Purpose, service, and giving back through Folds of Honor 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/ If you enjoyed this episode on Mental Toughness, please subscribe and leave a review! Dr. Rob Bell

Frank and Jon unpack: • Why today's competitive landscape means growth-motivated buyers must approach deals differently. • The three core reasons advisors pursue acquisitions - and which ones actually lead to long-term success. • How leverage, bank financing, and EBITDA-based lending really work in practice. • Why “fixer-upper” books may offer the strongest ROI. • How elite buyers win deals by understanding the emotional side of selling a practice. • The art of creating a safe landing place for sellers, their teams, and their clients. • Why phased buyouts and seller glide paths often create better retention and better economics for everyone. Jon also shares numbers, structures, and stories that demystify the math behind buying a practice - and the mindset required to scale from practitioner to true enterprise builder. If you're a buyer, seller, or advisor considering M&A in any form, this episode is a blueprint you can't afford to miss. Resources: Jon Kuttin's LinkedIn: www.linkedin.com/in/jonathankuttin   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 | Data Intelligence for Advisors: https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/ Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners Chapters:   00:00 Introduction 01:08 Meet Jon Kuttin 04:42 What Makes a Buyer Truly Ready 13:56 Building Enterprise Value Through Acquisitions 17:20 Managing Risk, Liquidity & Debt Capacity 21:08 Where the Best Acquisition Opportunities Are 35:20 Why Seller Fit Matters More Than Price 42:02 Structuring Glide Paths, Partial Sales & Long-Term Transitions

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

Thinking about meeting with a financial advisor for the first time? It can feel intimidating... but it doesn't have to! In this episode, Austin, Josh, and Chase break down everything you need to know before your first meeting: what to look for in a financial advisor, which documents (if any) you should bring, and exactly what the process looks like. They'll also tackle some common fears people have going into their first time meeting a financial planner, and explain why you can leave them at the door! By the end, you'll feel confident, prepared, and ready to take the first step toward your financial future. Watch the video version, read the show notes, or check out resources at thewealthmindsetshow.com/s2e32Send in LISTENTER QUESTIONS via text➡️Download Free Resource: 8 Timeless Principles to Investing!

Pete Najarian is an NFL linebacker turned successful options trader and today he joins Money Rehab to break down exactly what's happening in the markets right now, where the big opportunities are hiding, and how to read the signals that the pros don't talk about on TV. Then Pete walks Nicole through a complete options crash course: calls vs. puts, covered calls, naked positions, spreads, and how Warren Buffett secretly uses options to build his biggest positions. He even pulls up Nicole's actual options account live and breaks down what he sees. Then the conversation gets deeper. Pete opens up about losing his dream home, whether he'd run for governor of Minnesota, and the surprisingly simple investing philosophy that's driven all of his success. 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 Pete and learn more at Market Rebellion Here's what Nicole covers with Pete:  00:00 Are You Ready for Some Money Rehab?  01:33 Nicole and Pete's History on the Chicago Trading Floor  03:13 Wolf of Wall Street Era  07:20 Where Pete Is Bullish Right Now 09:30 How to Read Unusual Options Activity (UOA)  11:17 Options 101: Calls, Puts, and Plain English Explanations  12:46 How to Use Options as Portfolio Insurance  16:17 How Warren Buffett Actually Uses Options  18:18 Creating Your Own Dividend Stream with Covered Calls 22:17 Pete Reviews Nicole's Options Account  23:40 Insider Trading and Options  26:12 Are Options Just Gambling?  34:18 Pete's Rules for Protecting Yourself  42:48 Secure the Bag 49:00 Pete on Politics and the Future of Investing in Sports  52:23 Pete Najarian's Tip You Can Take Straight to the Bank All investing involves risk, including loss of principal. Options trading involves additional risks and is not suitable for all investors. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

On episode 455 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are live from Future Proof Citywide in Miami talking with Michael Kitces and Phil Huber about the wealth management business in the age of AI, the private credit crisis of confidence and a very special Animal Spirits roast. This episode is sponsored by Teucrium and Janus Henderson Investors. Find out more at https://teucrium.com/agricultural-commodity-etfs Learn more at https://www.janushenderson.com/ Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've grown your business beyond a solo practice with a small team, you've likely learned the hard way that one bad hire can derail momentum, create internal chaos, and hold your entire business hostage.In this episode, I'm excited to have leadership expert, author, and HR strategist Tom Healy on the podcast. Tom has worked with high-performing organizations, including the U.S. Navy, Harvard Medical School, and Fortune 500 companies, and he's spent decades helping businesses scale the right way — with structure, accountability, and culture at the center.We unpack the mistakes founders make when hiring too fast, how poor performers slowly sabotage organizations, and the exact systems you need to have in place to prevent one person from controlling your business.3 of the biggest insights from Tom …#1.) It's Okay to Overpay for A-Players The cheapest hire is often the most expensive mistake. High performers operate like owners, stay longer, and eliminate the hidden cost of turnover. Paying above market isn't reckless, it's strategic.#2.) Poor Performers Will Hide When There's No AccountabilityIf you don't have clear KPIs, you don't have leverage. Vague feedback creates arguments. Objective metrics create clarity. A-players want coaching. B and C players resist it.#3.) No One Should Be Able to Hold Your Business HostageWhen all knowledge lives inside one person's head, you're exposed. Document systems. Build an internal knowledge center. Consider fractional talent. Structure creates freedom.SHOW NOTEShttps://bradleyjohnson.com/159FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW 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.

The 3 Numbers That Decide If You Can Retire**Schedule your free virtual consultation

In this episode, Libby and Robyn Crane tackle a topic that makes a lot of advisors uncomfortable: referrals. But instead of rehashing outdated scripts or awkward one-liners, this conversation goes much deeper into the psychology behind why clients do or do not refer, what makes referral conversations actually work, and how advisors can position themselves to attract better-fit clients more consistently. They also explore the connection between capacity, client experience, messaging, and marketing, making this a valuable episode for advisors who want to grow intentionally instead of just hoping the next introduction shows up.Why traditional referral asks often feel awkward and inconsistent, and what to do insteadHow the psychology of safety, emotional alignment, and micro-commitments influences whether clients will make an introductionWhy knowing your ideal client and being able to describe them clearly is essential for better referrals and stronger marketingHow advisors can think beyond referrals and use positioning, messaging, and platforms like LinkedIn to attract ideal clients more consistentlyReferrals are not just about asking more often. They are about creating the kind of conversations, client experience, and brand positioning that make people want to introduce you in the first place. If you have ever struggled with how to ask for referrals without sounding awkward, or if you are ready to become more intentional about attracting the right clients, this conversation will give you plenty to think about.To learn more about Robyn's upcoming webinar, go HERE! To learn more about Robyn's Position Yourself For Profits Event, go HERE! Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience 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 a text"Words are, of course, the most powerful drug used by mankind."  — Rudyard KiplingI am a firm believer that words are powerful. But, that power can have both a positive or negative effect.                                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

Most people don’t have a retirement plan—they just have a pile of financial products. In this episode, Jim Fox explains why owning investments isn’t the same as knowing how retirement income will actually show up each month. He walks through the difference between accumulation and distribution, how to identify income shortfalls, and why planning beats guessing when markets, taxes, and life events collide. Using relatable analogies and real‑world examples, Jim highlights why retirement clarity comes from structure, not hope, and why having “a bunch of stuff” without a plan can quietly derail long‑term goals. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Are we in an AI bubble? It's the trillion-dollar question — and depending on who you ask, you'll get completely opposite answers. Today, Nicole cuts through the noise and takes an honest look at what's actually happening inside the AI market right now. She breaks down why sky-high valuations on AI companies are giving investors serious dot com bubble déjà vu, the circular financing deals that are inflating demand, and why the fact that Nvidia drove roughly a fifth of the S&P 500's gains in 2025 should have every investor paying attention. But she also makes the case for why this moment is fundamentally different from 1999 and what that means for your portfolio. 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?  00:24 Both Sides of the AI Bubble Debate  00:44 How Much Money Is Actually Flowing Into AI  01:12 What Sky-High PE Ratios Really Mean  02:14 Dot Com Bubble Déjà Vu  03:32 Circular Financing 03:59 The Warren Buffett Market Indicator 04:19 What's Actually Different This Time  05:10 The Real Risks 05:36 Nicole's Honest Verdict  06:33 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.

We're back to provide a Financial Advisor's perspective on GOOD advice from the Internet! From Humphrey Yang's revealing that median household income can no longer afford median-priced homes to Andy Hill's journey from negative net worth to $1 million in 10 years, we break down what's working and what framework needs adjusting. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to today's ICYMI, where we kick off the week with a quick game-changing tip from one of our guests that you might have missed.  Money can be a major point of shame, anxiety, guilt, and avoidance for a lot of us, so we're throwing it back to this deep dive with financial expert Jessica Moorhouse on the psychology of money and how to heal your relationship with it, so you can stop toxic financial habits and rewire your money mindset. Jessica is a millennial money expert, speaker, Accredited Financial Counsellor Canada®, bestselling author of Everything but Money, host of the More Money Podcast, and a leading voice on personal finance and emotional literacy in financial wellness. Listen to our full episode with Jessica here. Check out Jessica's book, Everything but Money. Follow Jessica on Instagram, YouTube, and her website. Tune in every Monday for an expert dose of life advice in under 10 minutes. For advertising and sponsorship inquiries, please contact Frequency Podcast Network. Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

Need financing for your next investment property? Visit: https://www.academyfund.com/ Want to join us in Charleston, SC on June 1st & 2nd? Visit: https://www.10xvets.com/events ____ Ryan Dau is a former Air Force officer, and founder of ReframeRIA, a consultancy that helps financial advisors streamline their operations, refine their client experience, and optimize their technology stack.  Through ReframeRIA, Ryan partners with advisory firms to improve their workflows, refine their client experience, and implement technology that truly supports their businesses. His mission is simple: remove the operational chaos that slows advisors down so they can spend more time serving clients and growing their firms with confidence. In this episode of the SABM podcast, Scott chats with Ryan about: The Nonlinear Career Path: Ryan's Military, software, and advisory experience shaped his transition into consulting. Serving the Advisor, Not the Tech: Work begins with clarifying an advisor's ideal client and core processes before any tech is added. Fixing Operational Chaos: Streamlined onboarding, workflows, and service calendars help advisors reclaim time. The Rise of AI Note-Taking Tools: AI tools like Jump AI simplify communication and sync data across essential systems. Building Partnerships & Scaling Smart: Ryan's 2026 goals center on advisor partnerships and exploring a future fractional C-Suite Model. Mindset Shifts After Military Service: Adjusting from mission-first service to revenue driven entrepreneurship remains an ongoing mission. Timestamps: 00:41 Ryan's Path to Reframe 03:41 Advisor Pain Points 05:51 Workflow Before Tools 09:01 2026 Goals and Growth 11:42 Fractional C Suite Vision 17:12 Partnerships to Build 19:02 Challenges and Mindset Shift 24:44 Moonshot Be Better Brand 28:37 Connect and Wrap Up Connect with Ryan: LinkedIn | Ryan Dau www.reframeia.com  If you found value in today's episode, don't keep it to yourself—share it with a colleague or friend who could benefit. And if you're a Service Academy graduate ready to elevate your business, we'd love for you to join our community and get started today. Make sure you never miss an episode subscribe now and help support the show: Apple Podcasts Spotify Leave us a 5-star review! A special thank you to Ryan for joining me this week. Until next time! -Scott Mackes, USNA '01  

On this episode: You buy something and they try to add on and add on. Is your financial advisor doing it too? Your risk profile: Where is your bottom? Or is that even the right question? This could be your biggest hurdle if you retire early. 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.

Doug and Strickland, financial advisors? I wouldn't trust the two of them to split the lunch tab correctly. Why would I trust them with my retirement? I'd have more success throwing darts at a list of the S&P 500 and buying whatever they land on. Actually, there's an app out now that lets you mimic stock trades that Congress makes. Those guys have ALL the insider trading tips, stock trading is about the ONLY thing I trust them to do well. If you want to see how this week's sausage was made, click here- https://youtu.be/naWIFDxPqAgDo you want some cool merch? Check out the store here- https://www.niceguysonbusiness.com/merch Need podcast production? We've got your back. https://turnkeypodcast.com/contact Your Voice, your message, fully produced. Leave a voice mail for the Nice Guys: 424-2DJ-DOUG – (424) 235-3684Join our Nice Guys Community. http://www.NiceShortCut.com No time to get to this, but you can read the blog here: 12 Worries Every Entrepreneur Has (or they are lying) Show notes written lovingly by the most anonymous man (or woman) in the world. Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. Need podcast production? We've got your back. https://turnkeypodcast.com/contact Your Voice, your message, fully produced.

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

Why do accounting firms work 70-80-hour workweeks during tax season, only to lose most of their leads anyway?Kristen McGarr, Founder and CSMO of Adroit Insights, breaks down a practical sales strategy for accountants that stabilizes growth within 30 days. She shares how a four-person accounting firm nearly tripled revenue while reducing weekly workload from 70 to 80 hours down to 50 to 60. Why 70 to 80 percent of leads often fall off during tax season, and how that creates unpredictable revenue cycles that make hiring and forecasting difficultInstead of selling harder, the firm built a simple system that delivered consistent outreach, stronger referrals, and up to 300% growth.This is part three of a series focused on helping accounting firms build predictable revenue without losing control during tax season.What You'll Learn:Why 70–80% of accounting leads fall off during tax seasonHow the sales rollercoaster hurts recurring revenueWhat the “Rule of Doubles” means for follow-up timingWhy most firms use a CRM without having a real sales processHow a 30-day system can stabilize growth and forecastingWhy automation should support people, not replace personalizationHow pipeline visibility builds confidence and reduces overworkWhat changed inside a four-person firm that led to 300% growthLearn More from Kristen McGarrNeed help fixing a CRM that sits unused or building a process that works during tax season? Learn more about Kristen McGarr and Adroit Insights: https://adroitinsights.comFollow Kristen for CRM implementation guidance built for accounting firmsLinkedIn: https://www.linkedin.com/in/kristendivineymcgarrResources:Connect with IanDownload a Tackle Box!Supercharge your marketing and grow your business with video case stories today!Subscribe to the YouTube Channel Hosted on Acast. See acast.com/privacy for more information.

In this episode, Libby shares 5 practical ways financial advisors can keep client meetings running on time — starting on time and, just as importantly, ending on time. She breaks down how to balance client experience with practice efficiency so meetings don't bleed into follow-up work, team time, or personal time. If your meetings routinely run over, this episode is for you.What You Will Learn:Why starting and ending meetings on time directly impacts client perception and professionalism  How using a structured agenda keeps meetings focused and prevents last-minute surprises  Simple time-setting techniques to reset expectations throughout the meeting Why having a visible clock and a structured close improves productivity and accountability  Creative ways to create a natural “hard stop” for chatty clients while protecting your schedule Running efficient meetings isn't about rushing clients — it's about respect, clarity, and structure. When you control the time, you protect your energy, your team, and your client experience. Try implementing one or two of these strategies in your next meeting and track the difference.Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience 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.

As women are living longer than men—on average, 5 to 7 years more—the later decades of life promise opportunities to cherish freedom and fulfillment. Yet, as this International Women's Day episode of the Financial Symmetry Show reveals, these extra years often come with both unique financial challenges and disproportionate caregiving responsibilities. Allison Berger bring together Haley Modlin, Niamh Douglas, and Darian Billingsley to spotlight how the "Give to Gain" theme resonates deeply with women navigating retirement and caring for loved ones. We discuss: The Economic Impacts and Cost of Care Employment Factors & the Financial Impact on Women The Impacts to your Financial Plan Tax Implications ***********

Video has quickly become one of the most powerful tools for financial advisors looking to grow their business, build trust, and attract new clients online.In this episode of The Stephen & Kevin Show, we sit down with Colin Day, Wealth Advisor at Mercer Advisors, who has built an engaged audience of nearly 30,000 followers on Instagram by sharing relatable and practical videos about financial planning.Colin's content stands out because it's authentic, personal, and approachable. Instead of overly polished production, he focuses on simple, real conversations about money that connect with everyday people.We talk about how he got started with video, how his well-known “Tree Saga” content series began, and what financial advisors can learn about using video to build their personal brand and grow their practice.If you're a financial advisor considering video marketing, social media content, or YouTube, this episode will give you a practical look at what works and how to get started.What We Cover in This EpisodeHow Colin Day first started creating video as a financial advisorThe story behind his popular “Tree Saga” videosHow often he posts content and plans his videosWhere his financial content ideas come fromWhy Instagram works especially well for financial advisor videoThe role personality plays in building trust onlineHow polished your videos actually need to beMeasuring the ROI of video marketing for financial advisorsAdvice for advisors hesitant to start creating content???? About The Stephen & Kevin ShowThe Stephen & Kevin Show explores marketing, business development, and growth strategies specifically for financial advisors and wealth management professionals.Colin Day is a Wealth Advisor at Mercer Advisors based in Chesterfield, Missouri. The opinions expressed by the speaker are his own and are not intended to serve as specific financial, accounting, or tax advice. They reflect the judgment of the speaker as of the date of publication and are subject to change. “Mercer Advisors” is a brand name used by several affiliated legal entities owned by Mercer Advisors, Inc., including, Mercer Global Advisors, Inc., an SEC registered investment adviser; Mercer Advisors Private Asset Management, Inc., an SEC registered investment adviser; Mercer Advisors Tax Services LLC; Heim, Young and Associates, Inc., (MA Brokerage Solutions); and Mercer Advisors Insurance Services LLC.#FinancialAdvisor #FinancialAdvisorMarketing #FinancialAdvisorVideo #WealthManagement #FinancialPlanning #AdvisorMarketing #RIA #AdvisorGrowth

Frank and Rob dive into: • Rob's path from UBS and Morgan Stanley to launching NewEdge Wealth. • How NewEdge Wealth and NewEdge Advisors differ and advisor profiles that may fit each platform. • How multi-custody and open architecture models can offer flexibility. • Perspectives of some advisors that have experienced business growth after joining the firm. •  The role of private equity and its innovation in wealth management. • How advisors may use niche marketing strategies and referral initiatives to identify opportunities. Whether you're exploring alternatives to a wirehouse or staying informed on industry developments, this conversation offers a practical look at the choices and trade-offs within today's independent landscape. Want to connect? • Reach out to Frank directly at frank@eliteconsultingpartners.com or send him a DM on LinkedIn. • You can also connect with Rob by emailing RSechan@NewEdgeCG.com or visiting his LinkedIn page. Chapters:   0:00 Introduction 1:02 From Wirehouse Advisor to Building a New Platform 6:30 What Makes Elite Financial Advisors Different 8:08 NewEdge Wealth vs NewEdge Advisors Explained 18:08 Why Multi-Custody & Open Architecture Matter 27:00 How Top Advisors Accelerate Growth After Going Independent 36:09 Private Equity's Role in the Future of Wealth Management 40:46 Why Advisors Should Explore the Independent Model 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 & Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/ “Assets “serviced by” the firm includes (i) client assets for which we provide investment advisory services, (ii) client assets for which we provide brokerage services through our affiliate, NewEdge Securities, LLC and (iii) client assets held at affiliated and unaffiliated broker dealers for which we provide supervisory oversight, support services and/or wealth strategy services. Opinions expressed are as of October 7, 2025, and may change without notice. This content is for informational purposes only and does not constitute investment advice or a recommendation regarding any security, strategy, or business relationship. Past performance does not guarantee future results. References to advisor experiences (including business growth, win rates, or referrals) reflect individual circumstances and are not representative of all advisors or outcomes. Results vary and are not guaranteed. Any testimonials or endorsements presented reflect the speaker's opinion at the time made. If compensation or other benefits were provided in connection with a testimonial or endorsement, that fact will be disclosed. Such statements should not be construed as indicative of future performance or experience for all clients or advisors. Third-party firms, custodians, platforms, or services referenced are independent of NewEdge. Their inclusion does not constitute a recommendation, endorsement, or approval. Where third-party ratings or rankings are cited, the source and date apply; methodologies may differ, and ratings may not predict future performance. NewEdge may have business arrangements with certain third parties that present potential conflicts of interest; details available upon request. NewEdge may receive or provide referrals to or from third parties, including custodians, which may involve compensation or other benefits. Additional information about referral relationships and compensation is available upon request, A copy of the NewEdge's current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at www.newedgecg.com. All company names, logos, and trademarks are property of their respective owners and are used for identification only. References to media appearances do not constitute an endorsement.

Just got out of the barbershop… and the weight of what I heard followed me to the car.A barber who moved into a new apartment, week and a half in, lost everything in a fire before he could get renter's insurance. That hit different. Because it's not just him. I've got people in my world dealing with mental health battles, physical health crises, job losses, and no clear answer for what comes next. I've got others who feel stable on paper but still feel the weight of everything pressing down.So let's talk about it. The real version. Not the Wall Street version. Not the version the media will cover between Epstein headlines and political theater.Here's the truth nobody wants to say out loud:We are in it. All of us. And there is no quick fix.Layoffs at levels we haven't seen since before COVID. All-time highs in the stock market and gold while salaries refuse to keep up. Kids' sports getting more expensive. Grocery bills not dropping. Insurance costs through the roof. It's a slow squeeze and the middle class is catching the worst of it because they're trying to hold everything together.In this episode, I talk about why I told someone at the barbershop to go into survival mode and why I said it with a heavy heart. I break down what that actually means, why we need to give each other grace right now, and why realistically we're looking at 12 to 24 months before things shift… depending on what happens with policy and politics.I also get into something that fires me up every time. Money. What it really is. Why billionaires and trillionaires exist. And why the whole system is built around power and control, not prosperity.This episode isn't about doom. It's about reality. It's about understanding what's happening around you so you can make better decisions, hold your people tighter, and stop absorbing everyone else's chaos on social media.Watch on YouTube: https://youtu.be/KXicglbEEF4As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

Bill Gurley is a Wall Street and Silicon Valley legend. He's the analyst who led the Amazon IPO and went on to become one of the most successful VCs of all time and an early investor in Uber, Zillow, and GrubHub. Today, he joins Nicole to answer the biggest questions on investors' minds right now. Bill doesn't mince words: yes, we're in an AI bubble— and he explains exactly why, from circular spending deals that smell like Enron to the speculative behavior that always follows a real wave of innovation. He breaks down why the IPO system is rigged against retail investors, what tokenization could do to fix it, and what a SpaceX IPO would actually mean for everyday investors. He also shares the one market sector he thinks is quietly becoming a buy, and the specific Chinese battery stock he personally owns. Then the conversation shifts to Bill's new book, Runnin' Down a Dream, and his surprisingly personal framework for building a career you actually love. He shares the question he asked himself twice that changed the entire course of his life, his research on career regret, and why chasing passion is a competitive advantage. 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 Bill's book Runnin' Down a Dream  Here's what Nicole covers with Bill:  00:00 Are You Ready for Some Money Rehab?  01:12 SpaceX + xAI: What Elon's Deal Really Means  03:18 Why Retail Investors Keep Getting Shut Out of the Best Companies  05:55 The IPO System Is Rigged  08:36 Inside the Amazon IPO 10:40 Are We in an AI Bubble?  16:30 AI vs. the Dot-Com Bubble 21:15 Which AI Tools Bill Actually Uses  22:00 Bill's Take on AGI Hype  23:30 Where Bill Sees Opportunity Outside of Tech  27:30 The Chinese Battery Stock Bill Personally Owns  28:45 How to Evaluate Stock Options as an Employee  31:50 The Hidden Value of Joining a Fast-Growing Company  33:15 Buy Side vs. Sell Side Analysts  35:40 The Question That Changed Bill's Career Twice  38:00 Why Following Your Passion Is a Competitive Advantage  42:00 How Tito's Vodka Started with a Blank Sheet of Paper  45:20 Bill's Next Chapter: A Policy Institute  48:00 Nuclear Energy, Healthcare, and the Issues Bill Wants to Fix  51:06 Bill Gurley'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.

If you're leading a team and meeting with clients every day, your ability to influence, listen, and read the room matters more than you think. The best advisors aren't just good at numbers, they're good at people. And most of us are missing half the signals.In this episode, I'm joined by mentalist and keynote speaker, Max Major. We recently had the pleasure of having Max perform at our Triad Launch Experience and he absolutely blew the room away. And it wasn't just with his mind-bending demonstrations, it was with the psychology behind influence, body language, and belief systems.We unpack what's really happening beneath the surface in client conversations — how your intent changes the energy in the room, how subtle body language cues reveal internal objections, and how understanding your client's state of mind can completely reshape the way you lead, serve, and earn trust.3 of the biggest insights from Max Major…#1.) Body Language Is About Noticing Shifts, Not JudgmentThere's no universal meaning to crossed arms. The game is noticing changes from open to closed (or closed to open), then stopping and giving them the floor immediately. That's how you handle objections before they become deal-killers.#2.) The Best Salespeople Are Elite ListenersConfidence, rapport, and trust are the three pillars of influence. But the real edge comes from listening deeply enough to let the client write the sales pitch for you and then paraphrase it in your own words.#3.) Your Thoughts Create Your RealityMax unpacks why high performers often run on a hidden program like “I'm not good enough,” how that can drive success for years, and why upgrading the belief can unlock a new level without killing your edge.SHOW NOTEShttps://bradleyjohnson.com/158FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW 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.

On his 14th Ask Me Anything episode, Jesse tackles a set of listener questions that expose the messy, real-world edges of financial planning—where tax rules, behavioral tendencies, and long-term strategy collide. He begins by unpacking a nuanced withdrawal-order debate, explaining why the "optimal" sequence between taxable, tax-deferred, and Roth accounts depends less on rigid rules and more on tax brackets, future income expectations, and optionality over time. From there, he walks through a detailed case involving concentrated stock risk and diversification timing, illustrating how capital gains, risk tolerance, and psychological comfort all factor into decisions that can't be reduced to a single formula. Jesse also addresses the role of Roth conversions in managing lifetime tax liability, carefully outlining when accelerating taxes makes sense—and when it's simply complexity masquerading as strategy. Throughout the episode, he reinforces a consistent theme: financial planning is about managing tradeoffs under uncertainty, not chasing theoretical perfection. By blending technical tax insight with behavioral realism, Jesse shows listeners how to think clearly about multi-year tax strategy, investment risk, and withdrawal flexibility—so decisions today improve both mathematical outcomes and peace of mind tomorrow. Key Takeaways: • Roth conversions are powerful but situational. They're best used in a "Goldilocks" situation—when the time is just right! • Many financial decisions require balancing math and psychology. Risk tolerance is both emotional and financial. • Tax brackets create planning opportunities across time. Lifetime tax arbitrage is central to retirement planning. • Multi-year projections reveal better strategies than single-year snapshots. • Diversification is risk management, not just performance enhancement. • Market predictions should all end with "but, I don't know." Key Timestamps: (01:57) – How Do Dividends Work? (08:52) – Individual Bonds vs. Bond Funds? (18:39) – Is Tax Planning Just a Way for the Rich to Not Pay Their Fair Share? (23:09) – Is an "Opportunity Fund" a Bad Idea? (27:18) – Is Tax-Loss Harvesting a Real Strategy? (32:04) – Should Financial Planners Be Setting Goals and Priorities for Clients? (34:59) – Should You Even Hire a Financial Advisor? (36:19) – Are Roth Conversions Oversold? (41:55) – Why Would You Hire an AUM Advisor? (48:29) – Isn't Rebalancing Just Selling the Good and Buying the Bad? (50:50) – Why Would We Listen to Market Commentary? Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/bonds-vs-bond-funds/ Episode 81: https://open.spotify.com/episode/0JVTRYN8HBrgTI4EhVZglk?si=8183fd564b3b4b56 Episode 124: https://open.spotify.com/episode/5ymIVeacL6et7sBTznzBxw?si=ff4b505ac9dc4149 Episode 127: https://open.spotify.com/episode/2HKGOmdOjWoUPrEkDYz7L4?si=8596295fa38541f8  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears. Here you go — a clean, structured summary of the Sonia Balfour‑Fears interview with Rushion McDonald, plus purpose, key takeaways, and notable quotes, all based on the transcript you provided. SUMMARY OF THE INTERVIEW In this Money Making Conversations Masterclass episode, Rushion McDonald interviews Sonia Balfour‑Fears, a high‑ranking Global Sports & Entertainment Director and Financial Advisor at Morgan Stanley. Sonia discusses the Black wealth gap, financial literacy, investing basics, barriers that minorities face in wealth-building, and the realities of long-term investing. She emphasizes education, discipline, and access as critical factors for closing the wealth gap. She also explains how investors of different ages—from young adults to retirees—share a common need: guidance and a financial plan. Sonia breaks down misconceptions about stock market participation, cryptocurrency, “hot stocks,” risk tolerance, dividend investing, and the best way to start investing even with small amounts of money. Throughout the interview, Sonia provides approachable frameworks for beginners—emergency funds, diversified investing, index funds—and stresses that it’s never too late to begin investing, even at age 60 or older. PURPOSE OF THE INTERVIEW The interview aims to: 1. Educate listeners on financial literacy Sonia explains fundamentals such as emergency funds, risk tolerance, asset allocation, diversification, and long‑term wealth building. 2. Address misconceptions about minority participation in investing She clarifies that minority participation is rising but that more people need professional guidance rather than DIY risk-taking. 3. Provide practical starting points for new investors She gives clear steps for people with small amounts of money and explains how to build wealth intentionally. 4. Encourage multigenerational financial conversations Sonia discusses creating the first African‑American mother‑daughter wealth management team, emphasizing the importance of knowledge transfer. 5. Inspire listeners to rethink age and investing She strongly argues that it is never too late to start building wealth. KEY TAKEAWAYS 1. Closing the Black Wealth Gap Requires Knowledge + Access Wealth-building is tied to discipline, education, and opportunity. Financial literacy helps people understand how money works so they can build long-term wealth..txt) 2. Discipline Is as Important as Income Sonia compares investing discipline to waking up early, exercising, and staying consistent with lifestyle habits..txt) 3. Everyone — Young or Old — Needs Professional Financial Guidance Clients in their 20s and clients nearing retirement share a common need:a roadmap created by someone who does this every day..txt) 4. Minorities Are Investing More — But Not Always With Advisors Many young minorities enter through crypto or apps, but they often lack solid planning..txt) 5. Cryptocurrency Isn’t for Everyone Morgan Stanley limits Bitcoin access to accredited investors with at least $1M on the platform due to high volatility..txt) 6. How to Start Investing: Build an Emergency Fund First 6 months of expenses if single; 3 months if married. After that, “start where you are”—even $100/month..txt) 7. Avoid “Hot Stock” Thinking Sonia discourages short-term stock chasing. Recommends S&P 500 index funds instead of individual picks..txt) 8. Risk Tolerance Shapes Your Portfolio Aggressive = stocks. Conservative = more fixed income. Use personal behavior (e.g., gambling habits) to assess risk comfort..txt) 9. It Is Never Too Late to Invest A 60-year-old caller is reminded she could live to 90–95; that’s 30 years to grow investments..txt) 10. Dividend Stocks Provide Strong Income Today Dividend-paying stocks often yield more income than bonds in today’s market..txt) NOTABLE QUOTES (from transcript) On Closing the Wealth Gap “Education is another way… to understand the different components of building wealth.”.txt) On Discipline “It’s the discipline to really… be intentional about understanding what your money can do for you.”.txt) On Minority Participation “I really see a lot more minorities getting into investing… but working with a financial professional, not as many.”.txt) On Crypto + Risk “We set the criteria very high because the potential for loss is tremendous. So is the potential for gain.”.txt) On Starting with Small Amounts “You start where you are. And if it’s $100 a month, that’s where you start.”.txt) On ‘Hot Stocks’ “Our team primarily focuses on longer‑term investing… it’s all about asset allocation.”.txt) On Being 60 and Beginning to Invest “It is definitely, definitely not too late… If you’re close to 60, we anticipate you’ll live to 90 or 95.”.txt) On Dividend Investing “You get more income from dividends these days than you do from bonds.”.txt) #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Most financial advisors are unknowingly creating tax landmines for their clients' heirs. In this episode, tax experts Neil Wilding and Becky Swansburg of Stonewood Financial break down the inherited IRA crisis advisors can't afford to ignore — and the legacy planning strategies that can fix it.We cover the SECURE Act's 10-year rule and why it's changed everything about inherited IRA planning, the "widow's penalty" and why most advisors never bring it up, why your clients' IRA statement is an illusion, Roth conversions vs. life insurance as a legacy planning strategy, bold predictions for 2026 including midterms and what it means for tax planning, and why taxes are a planning problem — not a product conversation.What you'll walk away with:✅ A simple way to reframe the life insurance conversation so advisors stop leading with the product and start leading with the tax code✅ How to quantify the widow's penalty for a couple sitting in front of you — and why it can represent a 30% increase in taxes overnight✅ Why the best time to do legacy tax planning is always in today's tax environment, not tomorrow'sNeil and Becky are also co-authors of The Road Less Taxed: How to Take Control of Your Retirement from Washington.If your clients have significant assets in tax-deferred accounts, this conversation is not optional.

Most advisors genuinely want to help. But the industry's compensation structures and "hat switching" can create incentives that unintentionally pull advice away from the client's best interest. In this episode, Adam Koós breaks down the most common red flags that show up in sales-driven advice, especially when fee explanations are vague, product recommendations come too early, or clients feel pressured. Then, Adam flips the script and outlines what good advice looks like in practice: planning-first discovery, transparent compensation, clear pros and cons, and a relationship that builds client confidence instead of dependence. This is a practical checklist advisors can use to tighten their own process and investors can use to protect themselves. Episode Timestamps: 00:00 Intro: Why this matters, and why bad advice often "sounds good" 01:00 The 4 advisor types: fiduciary vs hybrid vs broker vs insurance agent 04:00 How incentives can influence recommendations (real examples) 06:00 Hidden fees + conflicts: commissions, trails, revenue sharing 11:00 "Part-time fiduciary" problem + why it matters 12:00 How to find fee-only fiduciaries (NAPFA) 13:00 Product-first vs planning-first red flags 15:00 Pressure, urgency, and defensiveness (major warning signs) 16:00 "Confidence welcomes scrutiny" and why good advisors welcome questions 17:00 Transactional vs consultative relationships + review meeting red flags 18:00 What good advice looks like (the green flags) 20:00 Final thoughts: don't panic, just get clarity and ask better questions Key Takeaways:

Send a text"Curling is nicknamed 'chess on ice' because strategy plays just as important a role as skill." -Brant CurlingThere's something hauntingly seductive in the extreme slowness and choreography guiding the release of the stones.I pondered my attraction to curling and weirdly realized that curling has many similarities to finance.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

What if the biggest threat to your retirement isn’t the market, but debt, taxes, and family obligations that quietly drain your resources? In this episode, Jim Fox breaks down why income—not just returns—is the key to enjoying retirement, and how managing debt, understanding taxes, and setting boundaries with adult children can make or break your financial future. Discover why a personalized plan matters more than one-size-fits-all advice, and how to make decisions that let you sleep at night—even if they aren’t “optimal” on paper. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

The financial news throws around terms that are hard to understand. Let’s break it down for you. 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.

President Trump wants to cap credit card interest rates at 10%, and if you're one of the millions of Americans drowning in credit card debt, that sounds like a dream. But Nicole breaks down why this proposal might not be the hero story it seems, and what you should actually be doing right now while Washington debates. Nicole explains the real reason a rate cap could backfire, why people with lower credit scores could end up worse off, and the actionable moves you can make today (no legislation required). From the debt avalanche method to balance transfers, personal loans, and a surprisingly simple phone call that could save you thousands, this episode is your full playbook for escaping the high-interest debt trap. 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?  00:16 Trump's 10% Credit Card Rate Cap, Explained  01:17 Why This Isn't the Win It Sounds Like  02:10 Who Could Lose Access to Credit Entirely  02:52 The Payday Loan Trap Nobody's Talking About  03:12 What You Can Do Right Now  03:53 Know Your APR  04:31 The Debt Avalanche Method  05:09 Balance Transfer Cards and Consolidation Loans  06:27 How to Negotiate Your Interest Rate  07:01 Why Even $25 Extra a Month Matters  07:41 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.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears. Here you go — a clean, structured summary of the Sonia Balfour‑Fears interview with Rushion McDonald, plus purpose, key takeaways, and notable quotes, all based on the transcript you provided. SUMMARY OF THE INTERVIEW In this Money Making Conversations Masterclass episode, Rushion McDonald interviews Sonia Balfour‑Fears, a high‑ranking Global Sports & Entertainment Director and Financial Advisor at Morgan Stanley. Sonia discusses the Black wealth gap, financial literacy, investing basics, barriers that minorities face in wealth-building, and the realities of long-term investing. She emphasizes education, discipline, and access as critical factors for closing the wealth gap. She also explains how investors of different ages—from young adults to retirees—share a common need: guidance and a financial plan. Sonia breaks down misconceptions about stock market participation, cryptocurrency, “hot stocks,” risk tolerance, dividend investing, and the best way to start investing even with small amounts of money. Throughout the interview, Sonia provides approachable frameworks for beginners—emergency funds, diversified investing, index funds—and stresses that it’s never too late to begin investing, even at age 60 or older. PURPOSE OF THE INTERVIEW The interview aims to: 1. Educate listeners on financial literacy Sonia explains fundamentals such as emergency funds, risk tolerance, asset allocation, diversification, and long‑term wealth building. 2. Address misconceptions about minority participation in investing She clarifies that minority participation is rising but that more people need professional guidance rather than DIY risk-taking. 3. Provide practical starting points for new investors She gives clear steps for people with small amounts of money and explains how to build wealth intentionally. 4. Encourage multigenerational financial conversations Sonia discusses creating the first African‑American mother‑daughter wealth management team, emphasizing the importance of knowledge transfer. 5. Inspire listeners to rethink age and investing She strongly argues that it is never too late to start building wealth. KEY TAKEAWAYS 1. Closing the Black Wealth Gap Requires Knowledge + Access Wealth-building is tied to discipline, education, and opportunity. Financial literacy helps people understand how money works so they can build long-term wealth..txt) 2. Discipline Is as Important as Income Sonia compares investing discipline to waking up early, exercising, and staying consistent with lifestyle habits..txt) 3. Everyone — Young or Old — Needs Professional Financial Guidance Clients in their 20s and clients nearing retirement share a common need:a roadmap created by someone who does this every day..txt) 4. Minorities Are Investing More — But Not Always With Advisors Many young minorities enter through crypto or apps, but they often lack solid planning..txt) 5. Cryptocurrency Isn’t for Everyone Morgan Stanley limits Bitcoin access to accredited investors with at least $1M on the platform due to high volatility..txt) 6. How to Start Investing: Build an Emergency Fund First 6 months of expenses if single; 3 months if married. After that, “start where you are”—even $100/month..txt) 7. Avoid “Hot Stock” Thinking Sonia discourages short-term stock chasing. Recommends S&P 500 index funds instead of individual picks..txt) 8. Risk Tolerance Shapes Your Portfolio Aggressive = stocks. Conservative = more fixed income. Use personal behavior (e.g., gambling habits) to assess risk comfort..txt) 9. It Is Never Too Late to Invest A 60-year-old caller is reminded she could live to 90–95; that’s 30 years to grow investments..txt) 10. Dividend Stocks Provide Strong Income Today Dividend-paying stocks often yield more income than bonds in today’s market..txt) NOTABLE QUOTES (from transcript) On Closing the Wealth Gap “Education is another way… to understand the different components of building wealth.”.txt) On Discipline “It’s the discipline to really… be intentional about understanding what your money can do for you.”.txt) On Minority Participation “I really see a lot more minorities getting into investing… but working with a financial professional, not as many.”.txt) On Crypto + Risk “We set the criteria very high because the potential for loss is tremendous. So is the potential for gain.”.txt) On Starting with Small Amounts “You start where you are. And if it’s $100 a month, that’s where you start.”.txt) On ‘Hot Stocks’ “Our team primarily focuses on longer‑term investing… it’s all about asset allocation.”.txt) On Being 60 and Beginning to Invest “It is definitely, definitely not too late… If you’re close to 60, we anticipate you’ll live to 90 or 95.”.txt) On Dividend Investing “You get more income from dividends these days than you do from bonds.”.txt) #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears. Here you go — a clean, structured summary of the Sonia Balfour‑Fears interview with Rushion McDonald, plus purpose, key takeaways, and notable quotes, all based on the transcript you provided. SUMMARY OF THE INTERVIEW In this Money Making Conversations Masterclass episode, Rushion McDonald interviews Sonia Balfour‑Fears, a high‑ranking Global Sports & Entertainment Director and Financial Advisor at Morgan Stanley. Sonia discusses the Black wealth gap, financial literacy, investing basics, barriers that minorities face in wealth-building, and the realities of long-term investing. She emphasizes education, discipline, and access as critical factors for closing the wealth gap. She also explains how investors of different ages—from young adults to retirees—share a common need: guidance and a financial plan. Sonia breaks down misconceptions about stock market participation, cryptocurrency, “hot stocks,” risk tolerance, dividend investing, and the best way to start investing even with small amounts of money. Throughout the interview, Sonia provides approachable frameworks for beginners—emergency funds, diversified investing, index funds—and stresses that it’s never too late to begin investing, even at age 60 or older. PURPOSE OF THE INTERVIEW The interview aims to: 1. Educate listeners on financial literacy Sonia explains fundamentals such as emergency funds, risk tolerance, asset allocation, diversification, and long‑term wealth building. 2. Address misconceptions about minority participation in investing She clarifies that minority participation is rising but that more people need professional guidance rather than DIY risk-taking. 3. Provide practical starting points for new investors She gives clear steps for people with small amounts of money and explains how to build wealth intentionally. 4. Encourage multigenerational financial conversations Sonia discusses creating the first African‑American mother‑daughter wealth management team, emphasizing the importance of knowledge transfer. 5. Inspire listeners to rethink age and investing She strongly argues that it is never too late to start building wealth. KEY TAKEAWAYS 1. Closing the Black Wealth Gap Requires Knowledge + Access Wealth-building is tied to discipline, education, and opportunity. Financial literacy helps people understand how money works so they can build long-term wealth..txt) 2. Discipline Is as Important as Income Sonia compares investing discipline to waking up early, exercising, and staying consistent with lifestyle habits..txt) 3. Everyone — Young or Old — Needs Professional Financial Guidance Clients in their 20s and clients nearing retirement share a common need:a roadmap created by someone who does this every day..txt) 4. Minorities Are Investing More — But Not Always With Advisors Many young minorities enter through crypto or apps, but they often lack solid planning..txt) 5. Cryptocurrency Isn’t for Everyone Morgan Stanley limits Bitcoin access to accredited investors with at least $1M on the platform due to high volatility..txt) 6. How to Start Investing: Build an Emergency Fund First 6 months of expenses if single; 3 months if married. After that, “start where you are”—even $100/month..txt) 7. Avoid “Hot Stock” Thinking Sonia discourages short-term stock chasing. Recommends S&P 500 index funds instead of individual picks..txt) 8. Risk Tolerance Shapes Your Portfolio Aggressive = stocks. Conservative = more fixed income. Use personal behavior (e.g., gambling habits) to assess risk comfort..txt) 9. It Is Never Too Late to Invest A 60-year-old caller is reminded she could live to 90–95; that’s 30 years to grow investments..txt) 10. Dividend Stocks Provide Strong Income Today Dividend-paying stocks often yield more income than bonds in today’s market..txt) NOTABLE QUOTES (from transcript) On Closing the Wealth Gap “Education is another way… to understand the different components of building wealth.”.txt) On Discipline “It’s the discipline to really… be intentional about understanding what your money can do for you.”.txt) On Minority Participation “I really see a lot more minorities getting into investing… but working with a financial professional, not as many.”.txt) On Crypto + Risk “We set the criteria very high because the potential for loss is tremendous. So is the potential for gain.”.txt) On Starting with Small Amounts “You start where you are. And if it’s $100 a month, that’s where you start.”.txt) On ‘Hot Stocks’ “Our team primarily focuses on longer‑term investing… it’s all about asset allocation.”.txt) On Being 60 and Beginning to Invest “It is definitely, definitely not too late… If you’re close to 60, we anticipate you’ll live to 90 or 95.”.txt) On Dividend Investing “You get more income from dividends these days than you do from bonds.”.txt) #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Jackie Wilke discusses how artificial intelligence is being leveraged by financial professionals to improve productivity and “level up” the client experience.----------------------------------------------------------------------------------------------Subscribe Here to the ROI Podcast & other First Trust Market News Website: First Trust PortfoliosConnect with us on LinkedIn: First Trust LinkedInFollow us on X: First Trust on XSubscribe to the First Trust YouTube ChannelSubscribe to the ROI Podcast YouTube Channel

Behavioral scientist and bestselling author Jon Levy is back to unpack how we can leverage our own psychology to build wealth. He explains why publicly announcing your financial goals can actually sabotage them, how “if-then” plans outperform willpower, and why adopting the identity of “I'm an investor” can become a self-fulfilling prophecy. Then Nicole asks Jon what the science says about whether jerks make better CEOs, and he shares research-backed strategies for becoming a stronger leader. He also gets personal: how growing up as the child of immigrants affected his money mindset, the road to becoming debt-free in eight years, and the amount of money he needs in his bank account to feel safe. Nicole and Jon also discuss how financial frameworks like the sunk cost fallacy apply to relationships and whether your partner might be the best investment you'll ever make. 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 Jon's latest book Team Intelligence  Here's what Nicole covers with Jon: 00:00 Are You Ready for Some Money Rehab?  01:47 Jon's Famous Dinners Explained  04:17 Why Money is a Mental Puzzle, Not a Math Problem  06:16 Why Sharing Goals Fails  07:56 From Housing Markets to Dating Markets 09:42 Is Your Partner the Most Important Financial Decision You'll Make?  15:09 Jon's Leap From Debt to Social Currency  33:37 Money Values in Marriage  38:01 Should You Quit the Zombie Job? 39:27 The Chicken/Egg Problem with Success  45:25 Do CEOs Need to Be Jerks to be Successful?  49:53 What Makes a Leader  58:12 How Self Deprecation Erodes Trust  01:06:57 Jon Levy's Tip You Can Take Straight to the Bank 

In this Greatest Hits episode of Advisor Talk, Frank LaRosa sits down with Cetera CEO Mike Durbin for a wide-ranging, candid conversation about ownership structure, affiliation flexibility, M&A strategy, custody decisions, and what it really means to build a “forever home” for advisors. From private equity misconceptions to succession solutions, this episode explores how advisors can think strategically - not reactively - about their long-term growth. Mike shares insights from his 35-year career working directly with financial advisors, including leadership roles at Morgan Stanley and Fidelity, and explains why he returned to the independent space to help shape the next decade of advisor evolution   You'll hear discussion around: • Why multi-custody and multi-clearing can be a strategic advantage. • How private equity ownership can create stability instead of short-term pressure. • The importance of affiliation flexibility as careers evolve. • Why succession solutions should exist inside a firm - not outside it. • How large firms can still create community and localized support. • What “growth support” really looks like beyond recruiting deals. • Why diversification of revenue matters in a changing rate environment. Rather than focusing solely on headline recruiting deals or advisor headcount, this episode centers on a more important theme: Are you aligned with a partner that helps you play offense - not just react to change? As Mike states, it has never been a better time to be in the wealth management business - but it is changing quickly.   If you're a financial advisor evaluating independence, succession, M&A, or long-term firm alignment, this Greatest Hits conversation offers perspective on how to think about scale, ownership, and growth in a dynamic industry. Chapters: 01:03 – Episode Intro 04:10 – Mike's Background 09:16 – Private Equity & Ownership 14:35 – Affiliation Flexibility 26:24 – Multi-Custody Strategy 32:30 – M&A & Consolidation 37:31 – Scale vs Community 40:06 – Recruiting Economics 44:00 – Growth & Marketing Support 50:26 – Playing Offense 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 & Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/

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

Logan and Allie talk about how to have the best possible relationship with your financial advisor. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you're trying to scale your advisory firm, there's a stage where things start to feel harder than they should. Everyone's busy. Communication gets messy. You're still producing, but you're also trying to lead a team that needs clarity, feedback, and direction.In this episode, I'm joined by Triad's Member Culture Coach, Kenzie Olejnik. Kenzie joined Triad in April of 2022, when we were right in the middle of the chaos as a new company. She helped us turn good intentions into an intentional culture built on clarity, communication, and shared language. You'll hear Kenzie talk about the simple culture moves that actually matter, how to onboard people in a way that builds trust and excitement quickly, and why you can't treat your team like an afterthought if you want clients to have a great experience in every interaction.3 of the biggest insights from Kenzie Olejnik…#1.) Clarity and Communication Fix More Than You ThinkKenzie breaks down why most culture problems aren't “people problems.” They're clarity problems in terms of who owns what, how decisions get made, and how teams communicate when things move fast.#2.) Treat Your Team Like Your Best ClientsFrom onboarding touchpoints to celebrating wins consistently, Kenzie explains how removing friction and making people feel seen creates a culture that scales and protects the client experience.#3.) The Shared Language That Holds the Line and Fosters AccountabilityWe get into why words like “family” can quietly undermine accountability, and how Triad built a shared language that made expectations clear and culture self-sustaining.FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: The Enneagram Cheat SheetDownload here: https://bradleyjohnson.com/157SHOW NOTEShttps://bradleyjohnson.com/157FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW 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. TP02265233532See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What happens when a "late-starter" ER doc finally hits FI at 60, then must figure out how to actually spend the money without blowing it—or hoarding it forever? Bill joins Mindy and Scott on the BiggerPockets Money podcast to walk through his full "caught up to FI" debrief. Here his decade-long sprint from single-digit savings to 40%, taking his money back from a private bank, and the 60th-birthday retirement-readiness check that came back with a 100% success rate. From there, they dig into his move from a simple three-fund portfolio to a risk-parity setup, why he hired a flat-fee planner after years as a DIY investor, and how he's using FI to buy back time and jump-start his kids' wealth with Roth IRAs, HSAs, and tax-savvy living gifts. This episode covers:  ➡️ Going from "rich but broke doctor" to FI in about 10 years ➡️ Boosting a savings rate from single digits to ~40% without feeling deprived ➡️ Shifting from a three-fund portfolio to a risk-parity decumulation strategy ➡️ Using flat-fee, advice-only planner instead of 1% AUM ➡️ Order of withdrawals: taxable, pre-tax, Roth, plus asset location ➡️ Modeling taxes, RMDs, and Social Security timing in real life ➡️ Building a "3-1-1" spending plan for needs, comfort, and luxury/giving ➡️ Helping adult kids fill Roth IRAs and HSAs as part of generational wealth ➡️ Weighing when to actually leave medicine once money is no longer the boss   ==============================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW

Four-year college isn't the default anymore…  but saving for your kid's future absolutely is. Today, Nicole breaks down the modern playbook for affording college whether your kid is a newborn, or if they're applying to colleges now. This is your simple guide to 529 plans, custodial accounts, Coverdells, prepaid tuition plans, and the newest government-backed savings option making headlines. If you've ever wondered, “What happens to a 529 plan if my kid doesn't go to college?” Nicole will teach you a smart move there, too. 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? 01:11 Where To Start If You Have a Newborn 01:28 Everything You Need to Know About 529s 04:44 Where To Start If Your Kid Is in Grade School 05:42 The Pros and Cons of Custodial Accounts 08:17 Where to Start if Your Kid Is in High School 10:32 Tip You Can Take Straight to the Bank All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

The content team has been busy! We're tackling another batch of viral money content to separate financial wisdom from nonsense. Most people think extreme frugality is always admirable, but we break down why some penny-pinching tactics cross the line from smart saving to financial miser territory, and why the "$5 latte" debate is more nuanced than personal finance influencers want you to believe. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Reaching a seven-figure net worth isn't just about income—it's about decisions. In this Milestones to Millionaire episode, a CRNA walks through how he built wealth, why he ultimately fired his financial advisor, and the challenges that came with taking full ownership of his financial life. The conversation covers income and net worth context, the emotional and practical hurdles of managing money independently, and how spousal alignment played a role in long-term success. This episode isn't about shortcuts or market timing. It's about clarity, accountability, and the decisions that mattered most on the path to the first million—especially for high-income professionals navigating complex financial choices. If you're a high-income physician, you already know how hard you work for every dollar. The question is: how much are you actually keeping after taxes? Gelt is a tax firm focused on proactive tax strategy, guided by expert CPAs and optimized via in-house AI tools. They work with physicians and practice owners to use the tax code more intelligently so your structure, deductions, and planning help you keep more of what you earn. As a White Coat Investor reader, you can book a free strategy intro at https://joingelt.com and receive 10% off your first year with Gelt. It's time to start using your tax plan as a lever for growth. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Lucy Guo built one of the most talked-about AI companies in the world before most people finish college. Then, she made headlines when she dethroned Taylor Swift as the youngest self-made female billionaire. Today, she joins Nicole to talk about how she grew wealth, and how you can borrow the money lessons that only show up after you've already “made it.”  Lucy tells Nicole about growing up bullied for not being able to afford the cool brands, scrappy strategies she used to save money when she was building her first company, and navigating the strange attention of being labeled a billionaire while most of that wealth still isn't liquid. She explains the routines that kept her disciplined, the hard boundaries she set around lending money after getting burned, and stories of her wild money hacks like booking refundable flights to eat free meals in the airport lounges.  Nicole and Lucy also dive into the hidden playbook of startup money and the creator economy: how Lucy's fundraising secret is to manufacture FOMO, why the wealthy borrow instead of sell, and the monetization strategy all creators should adopt.  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 Keep up with Lucy on Instagram and learn more about Passes Here's what Nicole covers with Lucy:00:00 Are You Ready for Some Money Rehab? 01:17 Lucy's Routine and the Impact of Success on Hustle 03:39 Childhood Bullying05:08 Lucy's Confidence Reset 08:20 Unpacking “Paper Wealth” and Liquidity 13:40 Should You Lend Money to Friends? 14:35 Lucy's Investing Thesis 18:34 FOMO Strategy in Fundraising 22:22 Billionaire Money Tips 25:03 The Robbery Attempt 27:38 Money Saving Hacks 33:43 Stigma Around “Work Hard, Play Hard” 37:24 Passes and the Creator Economy 53:45 Lucy Guo's Tip You Can Take Straight to the Bank

Today, Nicole breaks down the viral tax strategy everyone on social media is talking about — the claim that buying a short-term rental can legally wipe out your taxes. She explains the simple idea behind bonus depreciation, why it creates massive upfront write-offs, and how real estate investors use upgrades and accounting strategy to dramatically lower taxable income. But she also pulls back the curtain on the part influencers skip: why a $0 tax bill doesn't automatically mean you made money, how much cash you still need to spend, and the risks hiding behind the hype. The Money Rehab Episode About Whether Home Ownership is Overrated   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 00:00 Are You Ready for Some Money Rehab?  00:53 Bonus Depreciation 101 03:10 What Changed with the  Big Beautiful Bill 03:38 What Qualifies (and What Doesn't) 04:22 Fact-Checking the Viral Airbnb Example  05:37 The Caveats 05:54 Cost Segregation Study Workaround 07:36 Don't Let the Tax Tail Wag the Dog'  09:10 Tip You Can Take Straight to the Bank