Podcasts about financial planners

Tim & Tim discuss how to handle a windfall or inheritance with clarity emotionally, financially, and strategically during the biggest wealth transfer in U.S. history. This episode is brought to you by the American Pharmacists Association (APhA). Episode Summary Handling a windfall or inheritance isn't just about the money—it's an emotional, relational, and identity-level shift. Whether it's an inheritance, equity payout, stock options vesting, or another financial surprise, the "right" next step can feel overwhelming. Many people think the challenge is how to invest a large sum… but the real challenge often begins much earlier: Who am I now that money is no longer the limiting factor? In this episode, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® break down how to prepare for, navigate, and thoughtfully plan through sudden wealth. They talk about the emotional side of receiving money, how to avoid rushed decisions, the importance of building the right team, tax considerations, and how to align a windfall with your goals, values, and relationships. With the largest wealth transfer in U.S. history underway, this is a conversation every generation needs to hear. If you've received a windfall, expect one, or simply want to understand how to handle one wisely, this episode will help you slow down, think clearly, and make decisions you won't regret. What you'll learn in this episode: Why sudden wealth creates emotional, identity, and relational shifts—not just financial ones The most common types of windfalls and why they require different planning strategies How to avoid rushed decisions and use a "90-day pause" to regain clarity The key professionals you need on your team before making major moves How taxes, investment priorities, and giving strategies change when a windfall enters the plan Mentioned on the Show Mom and Dad, We Need to Talk by Cameron Huddleston Cerulli Associates "Great Wealth Transfer" data "Die With Zero" by Bill Perkins YFP Episode: 5 Key Questions to Ask Before Hiring a Financial Planner

COSTLY MISTAKES RELOCATING TOO QUICKLY IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Relocating in retirement can be exciting, but moving without proper research can turn into a costly mistake. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain the risks of relocating too quickly—and how to make sure your next move supports both your lifestyle and your financial goals. Full Description A new home in retirement often represents more than just a change of address. For many, relocation symbolizes freedom, fresh opportunities, or a chance to be closer to family. Yet without careful planning, the dream move can bring unexpected expenses and regrets. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explore the common pitfalls of relocating without enough research. They explain how factors like cost of living, property taxes, healthcare access, and state tax laws can have a lasting impact on financial security. Even small differences—such as insurance costs or utility bills—can add up over the years and strain a retirement budget. Listeners will also learn why lifestyle factors matter as much as financial ones. A move to a warmer climate may seem ideal, but access to quality healthcare, transportation, and social networks is equally important. Sandy and Tyler share real-world examples of clients who reconsidered relocation plans after evaluating these details. The key takeaway is that relocation should never be a snap decision. By running the numbers, visiting multiple times, and discussing long-term goals with a financial planner, retirees can ensure their move enhances rather than hinders their retirement. At BWFA, we help clients weigh the financial and lifestyle implications of relocation. This episode offers practical strategies to avoid surprises and make relocation a positive step forward. For more guidance, visit BWFA's Financial Planning Services.

Welcome to the one hundred sixty second episode of the #ExpatChat podcast. We explore the latest tax, investment, and financial issues affecting #AustralianExpats. In this episode, Atlas Wealth Group Managing Director – EMEA, Brett Evans, and Financial Planner, Adam Prentice, unpack What Will the Surprise Inflation Spike do to Markets? Brett and Adam first discuss Australia's surprise inflation spike, which recently hit 3.8%, and then examine its potential effects on property shares, currency, and market expectations. They also analyse the housing sector's growth alongside government policies contributing to the inflation spike, highlighting how these factors may shape upcoming RBA interest rate decisions. Furthermore, the discussion explores the broader impact on borrowing, property affordability, and equities, while offering Australian expats practical insights to navigate markets and make informed investment decisions amid the ongoing surprise inflation spike. Links discussed in this episode: • Upcoming Seminars & Webinars – atlaswealth.com/events • Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum • Ask Atlas – Submit your questions for the podcast: atlaswealth.com/news-media/austra…ian-expat-podcast • Expat Mortgage Podcast – atlaswealth.com/news-media/austra…-mortgage-podcast • Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below. About Atlas Wealth Group: Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you're based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey. To learn more, visit www.atlaswealth.com Connect with us: Facebook: www.facebook.com/atlaswealthmgmt LinkedIn: www.linkedin.com/company/atlas-wealth-management Twitter: www.twitter.com/atlaswealthmgmt Instagram: www.instagram.com/atlaswealthgroup Youtube: www.youtube.com/atlaswealthmgmt

Welcome back to the show where we help financial advisors build efficient, profitable, and deeply human advisory firms. In this episode, Libby dives into the heart of creating a scalable and sustainable client service model. She breaks down the mindset shifts advisors need, the math behind revenue per hour, how to segment your book intentionally, and why aligning your service model with profitability is the key to delivering exceptional client experiences. This is a thoughtful, practical, and empowering conversation to help you reshape your ongoing service in a way that benefits you, your team, and your clients.What you'll learn in this episode: • Why advisors struggle with mental blocks around pricing, fees, and client segmentation  • How to calculate your true revenue per hour and use it to make better capacity decisions • A step-by-step process for segmenting clients and defining aligned service levels • How to avoid client subsidization and ensure each household is serviced profitably • Ways to right-size service for clients who don't meet your hourly rate, without sacrificing care or professionalism As Libby walks through each step, you'll gain clarity, confidence, and a practical roadmap to redesign your client service model so you can serve clients exceptionally well without overwhelming your team. This episode will help you work smarter, stay focused on what matters, and build a practice you love managing every single day ✨.Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) 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 us a text“Don't forget to set your scales back 10 lbs at midnight tonight for the holiday season, Thanksgiving through Christmas."For better or worse, the holiday season is upon us again. It is arguably the best season of the year. It is also the season of each year that I gain the most weight.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

In our latest episode, we discussed FBT and Christmas time. Hosted by Sarah Power: Director of Business Concepts Group, Financial Planner and Accountant The post NV165: FBT and Christmas time first appeared on Business Concepts Group.

The Sixers lost a heartbreaker to the Hawks in double overtime in the return of Joel Embiid and VJ Edgecombe. We talk about Maxey's great night, the return of Edgecombe, and good performances from Grimes and Barlow. Then we talk about the frustrating "will he or won't be play" Joel Embiid situation, and his disappointing rebounding and defense and what it means for their future. Then we meet Mike's new dog, get a frustrated email from a lister, and become a Florida State University football podcast. Donate to Helen's fundraiser here.Reserve your spot for Fly The Process New Orleans here.The Rights To Ricky Sanchez is presented by Draft Kings SportsbookAnthony Degli Obizzi is the official Financial Planner of The Ricky, text RICKY to 484-471-4873 to set up a conversationBecome a MortgageCS Ricky VIP at mortgagecs.com/rickySurfside Iced Tea and Vodka is the official canned cocktail of The Ricky. Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. Additional terms at D K N G dot co slash audio. Limited time offer.

Today's conversation digs deep into one of the most important and misunderstood stages of financial development: the tween years. Research shows our money habits are formed as early as age seven, yet most people don't start investing seriously until their 30s or 40s. So what happens if we bridge that gap? What if kids as young as 10 begin learning how money works, how investing grows wealth, and how to make smart decisions with the dollars they earn, save, and spend?Our guest is Jamie Bosse is a Financial Planner, Author, and Mother of four. She helps her clients navigate life's transitions and overcome and anticipate potential roadblocks along the way. Jamie finds it extremely rewarding to see people organize their financial lives, maximize their human capital, and get closer to their life goals in her work at CGN Advisors. Jamie has a passion for mentoring and financial literacy and is the author of Money Boss Mom: Helping Young Parents Be the “Boss” of Their Financial Future, as well as the Milton the Money-Savvy Pup children's book series.Her next book, Investing for Tweens, is available for preorder here.In this episode, we explore how parents can introduce investing in a way that feels tangible, empowering, and fun — whether that's buying a share of Nike because your kid loves their sneakers or using a custodial brokerage account to let them experience the market in real time. We also talk about helping college-age kids understand the real cost of life, how to communicate money boundaries at home, and how parents can teach healthy financial habits even if they're still working through their own. Hosted on Acast. See acast.com/privacy for more information.

The Infinite Banking Interview Series #38: Lanah DurhamIn this episode of the Interview Series I have the pleasure of speaking with my own, and only, daughter, Lanah.Lanah is 5. This is her first time sitting down and participating in our Family Banking Series (link below) where we talk about private family banking, policy loans, private lending, business deals, and all things concerning keeping more money in the family, intergenerationally. So, since she was with me for an “Office Day” recently, it was time to sit down and have an interview.I hope you enjoy our conversation and learn!RESOURCES:Family Banking Serieshttps://bit.ly/FamilyBankingSeries⚔️ “LIVE & LEAVE A LASTING LEGACY”

At the 2025 FAAA Congress, I walked the floor with one question in mind. How does money influence health? What followed was a series of thoughtful, honest and sometimes surprising conversations with advisers from across Australia. In this roaming special, you will hear from nine advisers who work at the intersection of finance, behaviour and wellbeing. Together, they reveal how financial stress quietly erodes health, how clarity changes the way people live, and why good advice often becomes a health intervention long before clients realise it. We talk about avoidance, overwork, life transitions, grief, retirement, identity and the surprising ways people use money to rebuild their wellbeing. Each adviser brings a different angle, but they all arrive at the same conclusion. When people understand their financial position and feel safe in their decisions, they sleep better, work less, feel more in control and reclaim time for the things that matter. This episode is a reminder that financial advice is not only about growing wealth. It is about supporting the conditions for a good life. Featuring: Shannon Victor, Kelly King, Bianca Musico, Mark O'Flynn, Sarah Leslie, Rob Pyne, Jordan Vaka, Nathan Fradley and Martin McGrath. Listen to this special episode to hear what they each had to say. ABOUT IT'S NEVER ABOUT MONEY: Joe Stephan is a Financial Planner with Stephan Independent Advisory, based in Melbourne, Australia: https://siadvisory.com.au/  It's Never About Money is powered by Stephan Independent Advisory: https://itsneveraboutmoney.com.au It's Never About Money is a proud supporter of Cufa: https://www.cufa.org.au/

In this Thanksgiving special, James and his son Jake sit down to talk gratitude, family, and the simple principles that make life and IBC work. They also touch on the recent IUL conversations in the news and revisit Nelson's timeless insights. As always, we hope you enjoy the episode and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

In this quick episode, you'll learn a simple but powerful tool advisors can use to maintain strong boundaries, protect their time, and still deliver a seamless client experience. We explore why scheduled send and delay delivery matter, how they shape client expectations, and how they support the structure of your Model Week.

Can you really retire comfortably in Vancouver with just $500,000 in liquid assets? Senior Financial Planner Adam Beaudin-Ball from Raymond James sits down with Adam & Matt to reveal his comprehensive wealth-building playbook for Vancouverites. From maximizing the new $40,000 First Home Savings Account to leveraging RESPs for both education and property purchases, Adam breaks down the government programs and investment strategies that most people miss. He shares real client stories - including a blue-collar worker who saved $380,000 by age 29 - while explaining why diversification between real estate and stocks matters more than ever. Why shouldn't interest rates dictate which debt you tackle first? How can you use home equity lines to create tax-deductible investment income? And what's the optimal sequence for contributing to FHSAs, RRSPs, and TFSAs? Don't miss this masterclass on building sustainable wealth in Canada's most expensive city. 

Is the role of the Financial Planner about to change?#In the first episode of the Future Fit Financial Planning series, our host James Walker is joined by Tom Francis of Octopus Money to explore what the next stage of advice might really look like.They discuss how technology and behavioural psychology are reshaping personal finance, why so many people struggle to act on good financial advice, and how scalable, tech-enabled models could help millions make better money decisions. With a clear mission to reach 5 million people and a willingness to share their thinking openly, this conversation offers a powerful glimpse into the future of the profession.In this episode, we cover:The changing role of the financial plannerCoaches vs traditional advisersWhy traditional advice fails to reach most peopleBehavioural nudges and money habitsHuman relationships supported by structured techShort-term lifestyle vs long-term goalsThe future of scalable, accessible adviceIf you're a financial adviser, advice firm leader, or anyone interested in the future of financial planning, this episode is for you. Chapters:00:00 Introduction & Tom's Background09:00 Making Financial Advice Accessible18:30 Technology, Algorithms & Real Life27:30 Behavioural Psychology & Inertia35:45 The Limits of Traditional Financial Planning43:45 Capturing People at the Right Moment52:30 Money Culture & National Financial Habits01:01:00 Shiny Objects vs Long-Term Freedom01:10:15 What Can (and Can't) Be Changed01:18:45 Big Numbers, Misconceptions & Wrap-Up Hosted on Acast. See acast.com/privacy for more information.

COSTLY MISTAKES THE REALITY OF CREDIT MISUSE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Credit cards are convenient, but without careful management, they can become a financial trap. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss how misusing credit cards impacts long-term financial health—and share strategies for avoiding costly mistakes. Full Description Credit cards offer convenience, rewards, and short-term flexibility. Yet for many, they also become a source of debt and financial stress. High interest rates, overspending, and missed payments can quickly add up, making it harder to save, invest, or plan for retirement. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr., and Tyler Kluge discuss the hidden risks of mismanaging credit cards. They explain how carrying balances month after month erodes wealth and why relying on credit for everyday expenses creates long-term challenges. The conversation also covers the impact of late payments on credit scores and how that can affect borrowing costs in the future. Listeners will learn practical strategies for using credit responsibly. Sandy and Tyler share insights on how to avoid common traps, such as making only minimum payments or applying for too many cards at once. They also highlight the importance of budgeting, paying balances in full, and using rewards programs wisely. The key message is that credit cards are not inherently bad—they simply require discipline. With thoughtful use, they can provide flexibility and even benefits. Without discipline, they can derail savings goals and put your financial security at risk. At BWFA, we help clients make informed decisions about debt, savings, and long-term planning. This episode offers actionable advice to help you avoid the pitfalls of mismanaging credit cards and build a stronger financial foundation. For more financial planning resources, visit BWFA's Financial Planning Services.

Certified financial planner Michelle Neiswender discusses her article, "Why physicians should not be their own financial planner." Michelle explains why physicians, despite being brilliant, often make costly financial mistakes when managing their own money. She argues that financial planning is a complex specialty (just like medicine) and that a doctor's time is too valuable to be spent decoding tax rules or tracking stocks. Michelle highlights the unique tax challenges physicians face as high-income earners and how emotional bias (like fear during a market dip) can derail a financial plan. This discussion covers why delegating to a CFP is a wealth-building strategy and how it protects physicians from costly errors in investments, retirement planning, and insurance. Learn why the smartest doctors get a "second opinion" on their financial health. Our presenting sponsor is Microsoft Dragon Copilot. Microsoft Dragon Copilot, your AI assistant for clinical workflow, is transforming how clinicians work. Now you can streamline and customize documentation, surface information right at the point of care, and automate tasks with just a click. Part of Microsoft Cloud for Healthcare, Dragon Copilot offers an extensible AI workspace and a single, integrated platform to help unlock new levels of efficiency. Plus, it's backed by a proven track record and decades of clinical expertise, and it's built on a foundation of trust. It's time to ease your administrative burdens and stay focused on what matters most with Dragon Copilot, your AI assistant for clinical workflow. VISIT SPONSOR → https://aka.ms/kevinmd SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended

COSTLY MISTAKES THE RISK OF OVERLOOKING INFLATION FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Inflation may not seem dramatic day-to-day, but over time it quietly erodes your purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why ignoring inflation is one of the most common and costly mistakes retirees make. Full Description Inflation has always been part of the economic landscape, but recent years have reminded us how quickly costs can rise. Even modest annual increases add up over decades, changing what retirees can afford and forcing tough decisions about lifestyle, travel, and healthcare. Planning without accounting for inflation often leads to budgets that work on paper at the start of retirement but fail later on. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge break down why inflation is called the “invisible thief.” They explain how it reduces the value of savings, increases the cost of essential services, and undermines long-term financial security. Retirees who ignore inflation may find that what felt safe in their 60s becomes inadequate in their 80s. Listeners will learn practical ways to protect against inflation. Strategies include investing in growth assets, diversifying income streams, and reviewing plans regularly to reflect changing conditions. Sandy and Tyler also share how BWFA helps clients stress-test portfolios under different inflation scenarios, offering peace of mind that the plan can adapt to both gradual increases and unexpected spikes. The key takeaway is that retirement planning must look forward, not just focus on today's expenses. By anticipating rising costs and adjusting proactively, you can preserve purchasing power, maintain your lifestyle, and protect the legacy you hope to leave for loved ones. For more guidance, visit BWFA's Financial Planning Services.

Todd Krentz, President of Krentz Financial Group, joins Chris and Amy following a suggestion by President Donald Trump to implement a 50-year home mortgage.

In this episode of Financial Planner Life, Sam Oakes speaks with Tammy Salmon and Emma Layton of Salmon Financial Planning, a partner practice of St. James's Place in Bishop's Stortford.We hear how Emma transitioned from redundancy to a qualified financial planner through the St. James's Place Financial Adviser Academy, supported by Tammy's mentorship. Tammy shares her 20-year journey in financial services and why creating a flexible, values-led business was essential for her success and her team's.Together, they explore:Why women leave financial services mid-careerThe power of local, relationship-led client acquisitionFrom mortgage adviser to business ownerWhy visibility of women in leadership mattersHow motherhood and financial planning can thrive side-by-sideIf you're considering a career in financial planning or want to build a more inclusive practice, this episode is for you.00:00 - Intro to Tammy & Emma's Story01:45 - Why So Few Women Become Financial Advisers04:30 - Tammy's Journey from Mortgage to Financial Advice07:50 - Emma's Career Change & Entry via SJP Academy11:10 - The Role of Mentorship in Career Progression14:30 - Creating a Flexible, Family-First Advice Firm18:15 - Visibility of Women in Leadership Roles22:00 - Local Marketing & The Bishop's Stortford Mummies25:45 - Authenticity Over Aggression in Sales29:00 - Work-Life Balance and Setting Boundaries32:10 - Advice for Women Entering Financial Planning35:20 - Who the SJP Academy is Right For37:45 - Legacy, Purpose & Final Reflections40:00 - Wrap Up & How to ConnectBe sure to follow Financial Planner life on YouTube for extra content about career development within Financial Planning. Reach out to sam@financialplannerlife.com in regards to sponsorship, partnerships, videography or podcast production. Want to appear on the Financial Planner Life podcast? Drop Sam a message.

In this episode, I sit down with Todd Pisarczyk of Momentus Wealth Management to unpack what it really looks like to go from a great advisory practice to a truly scalable, CEO-led firm. Todd shares the behind-the-scenes shifts, the unexpected realizations, and the tangible systems he built through coaching that helped him move from “doing all the things” to running a business with clarity, confidence, and a long-term vision. From refining processes to elevating the client experience, this conversation is packed with real advisor wins and practical inspiration. In this episode you'll learn: • Why even successful advisors hit a wall when their practice starts feeling like a “real business” • How documenting processes changed the game for Todd's team of eight and created repeatability for the next generation • The planning, tax, and client-experience upgrades that now keep almost every client showing up for reviews • How shifting into the CEO role brought Todd clarity, confidence, and a bigger mission for his firm • Why group coaching amplified his growth far beyond what he expectedTodd's story is an amazing reminder that growth doesn't require being a “hot mess.” Sometimes the biggest leaps come from refining what's already working, creating structure around what's been living in your head, and surrounding yourself with advisors who are building remarkable businesses too. His journey shows what's possible when you finally step into the CEO seat, create repeatable systems, and elevate your client experience with intention.Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) 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 us a textIt's Thanksgiving, again!Join me for a mini-Thanksgiving celebration.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

COSTLY MISTAKES HOW TO AVOID RUNNING OUT TOO SOON FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Spending too quickly in retirement can drain savings and create stress later in life. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain the “retirement spending trap” and share strategies to make sure your money lasts as long as you do. Full DescriptionRetirement should be a time to enjoy the results of years of saving and planning. Yet many retirees fall into the spending trap—using their nest egg too quickly in the early years. What feels comfortable in the moment may create long-term financial pressure, especially as healthcare costs rise and lifespans extend. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss the importance of pacing withdrawals. They explain how lifestyle choices, travel, and large purchases in the first decade of retirement can have ripple effects decades later. The conversation also highlights why required minimum distributions and tax considerations should factor into withdrawal strategies. Listeners will learn how to develop a sustainable spending plan that aligns with both current lifestyle desires and future needs. Sandy and Tyler share examples of clients who adjusted their spending pace to preserve financial flexibility while still enjoying retirement. They also emphasize the role of professional planning in stress-testing different scenarios to ensure confidence throughout retirement. The retirement spending trap isn't about avoiding enjoyment—it's about making thoughtful choices that balance today's lifestyle with tomorrow's security. By slowing down spending in the early years and reviewing your plan regularly, you can maintain peace of mind while protecting your financial legacy. For more guidance, visit BWFA's Financial Planning Services.

After you listen:Check out the first episode of this two-part series, "What Makes a Financial Plan Fit Your Life?"Explore Schwab's other educational resources around financial planning.In this episode of Financial Decoder, Mark Riepe and Steph Shadel delve into the intricacies of financial planning and portfolio management. They discuss the importance of aligning a portfolio with your financial goals, understanding risk tolerance, and the significance of diversification and rebalancing. The conversation also addresses common misconceptions about portfolio management, the emotional aspects of investing, and the impact of market conditions on decision-making. Additionally, they explore tax efficiency and the importance of regularly updating financial plans to reflect life changes.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresInvestors in mutual funds and/or ETFs should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus via . Please read the prospectus carefully before investing.This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Diversificatio, asset allocation, and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Rebalancing may cause investors to incur transaction costs and, when a non-retirement account is rebalanced, taxable events may be created that may affect your tax liability.Neither the tax-loss harvesting strategy, nor any discussion herein, is intended as tax advice and Schwab Center for Financial Research does not represent that any particular tax consequences will be obtained. Tax-loss harvesting involves certain risks including unintended tax implications. Investors should consult with their tax advisors and refer to the Internal Revenue Service (IRS) website at www.irs.gov about the consequences of tax-loss harvesting.This information is not a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information. All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1125-DJ7M Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

COSTLY MISTAKES SPENDING BONUSES THE WRONG WAY FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Year-end bonuses can provide a big financial boost, but without a plan, extra income often disappears quickly. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why “blowing your bonus” is a costly mistake—and how to turn windfalls into long-term opportunity. Full Description Receiving a bonus feels rewarding. It can be tempting to celebrate with a big purchase, upgrade, or vacation. But when bonuses are spent too quickly, they fail to create lasting financial impact. Instead of building wealth, they disappear into short-term lifestyle choices. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss the common mistake of “blowing your bonus.” They explain how treating bonuses like “found money” often leads to spending that doesn't align with long-term goals. The conversation highlights how extra income, when used wisely, can accelerate savings, pay down debt, or strengthen retirement plans. Listeners will hear practical strategies for putting bonuses to work. Sandy and Tyler share how dividing bonuses into buckets—such as savings, debt reduction, and enjoyment—creates balance between financial progress and personal reward. They also discuss how ignoring tax implications can lead to surprises, and why planning ahead ensures that a bonus creates lasting value. The key takeaway: bonuses are opportunities, not guarantees. By planning in advance, individuals can avoid the costly mistake of spending without intention. Even small steps—like contributing to retirement accounts, funding emergency savings, or investing for growth—can have an outsized impact when applied consistently. At BWFA, we help clients integrate windfalls like bonuses into their broader financial plans. This episode shows how a thoughtful approach can turn extra income into meaningful progress toward long-term goals. For more insights, visit BWFA's Financial Planning Services.

The Interview Series #36: Jesiah Durham In this episode of the Interview Series I have the pleasure of speaking with my own son, Jesiah. Jesiah is at an age, 10, where we naturally talk about money, things he wants to do and buy, his questions about how we do personal finance in our household (and why), etc. Jesiah and I have spoken before in our Family Banking Series (link below) about private family banking, policy loans, private lending, business deals, etc. So, since he was with me for an “Office Day”, it was time to sit down and have an interview.I hope you enjoy our conversation and learn!RESOURCES:Family Banking Serieshttps://bit.ly/FamilyBankingSeriesI Bought A Car With Infinite Bankinghttps://bit.ly/InfiniteBanking-BuyingACar⚔️ “LIVE & LEAVE A LASTING LEGACY”

Tyrese Maxey scored 54 points to lead the Sixers to a win in Milwaukee. We talk about Maxey's evolution and scoring prowess, Paul George looking good so far in his return, the amazing Dominick Barlow and Jared McCain slowly working his way back. Then we talk about some trade ideas from listeners for Jonathan Kuminga and more.Get tickets to see Spike and Chuck Klosterman here: https://www.eventbrite.com/e/an-evening-with-chuck-klosterman-and-spike-eskin-football-tickets-1964428822489Reserve your spot for Fly The Process New Orleans here: https://www.rightstorickysanchez.com/p/flyThe Rights To Ricky Sanchez is presented by Draft Kings SportsbookKornblau Law is the official law firm of the processAnthony Degli Obizzi is the official Financial Planner of The Ricky, text RICKY to 484-471-4873 to set up a conversationLL Pavorsky Jewelers is where Ricky listeners go and get engageSurfside Iced Tea and Vodka is the official canned cocktail of The Ricky.

In this episode, James sits down with his friend David Stearns, co-director of the Nelson Nash Institute and president of Infinite Banking Concepts, LLC. They discuss the recent $8.5 million IUL lawsuit, the Institute's position on universal life, and Nelson's own comments on indexed UL, variable UL, and traditional UL. It's an honest, straightforward conversation about why IUL is not IBC and what Nelson actually taught. As always, we hope you enjoy the episode and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

In this episode, you'll learn how to create a simple, high-value year-end tax letter that makes tax season easier for your clients, their CPAs, and your team. You'll hear what to include, how to frame it as a value-add, and how to streamline the process so it becomes a repeatable system instead of a stressful scramble.We cover suggested sections for your letter, how to reinforce the behind-the-scenes work you do all year, and a practical workflow to prepare these summaries for your best clients. This episode helps you elevate your client experience, strengthen your CPA relationships, and clearly communicate the value of your planning expertise.I hope you enjoy this new format and I look forward to delivering super fast tips & tricks with you! You can also watch this Efficient Friday as a video on The Efficient Advisor's YouTube Channel!Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) 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.

The Interview Series #35: Nancy HidalgoIn this episode of the Interview Series I interview my friend Nancy Hidalgo.Nancy is a mother, an insurance agent and an Authorized Infinite Banking Concepts Practitioner. It has been a pleasure to get to know Nancy and hear her incredible story of perseverance and learning. As a fellow colleague in this space, I appreciate Nancy's heart and voracious appetite for improving clients' lives through Infinite Banking. Here is her origin story and information about how she's helping clients today. I hope you enjoy our conversation and learn!To connect with Nancy:Instagram: https://www.instagram.com/hidalgoinfinitelegacy?igsh=MW4ydG95Y2JvZmFtbw==Phone: +1 (407) 288-0252⚔️ “LIVE & LEAVE A LASTING LEGACY”

Two New Designing Your Life groups kicking off in January Retirement by Design: Create a meaningful roadmap for what's next. Early registration discount ends 12/15 Limited to 10 spots per group Learn more and sign up today  __________________________ Should you hire a Financial Advisor or do-it-yourself ? Glenn Frank rejoins us with some food for thought. __________________________ Just Asking for a Friend… Retirement brings so many tough questions. Share your question (for a friend, of course…) to be answered in an upcoming retirement podcast episode. Click here to leave a voice message or email me at joec@retirementwisdom.com _____________________ Bio Glenn Frank is the author of Your Encore: Retirement Planning Guide – How to Balance Time, Money and Joy. He was named 2019 Financial Planner of the Year in Massachusetts and one of the top financial advisors in the country for 10 straight years by Worth.   Professor Glenn Frank is a partner at https://www.frankandflanagan.com . Glenn's college teaching experience is extensive. Since 1985 he has taught a large variety of courses in investments, taxes and financial planning. Glenn was the Founding Director of the Master of Personal Financial Planning program at Bentley University. He has been interviewed by the Wall Street Journal, Reader's Digest, Financial Planning, The Boston Globe,  and various other media outlets. _________________________ For More on Glenn Frank Current monthly workshops: “DIY or Advisor”, “How to Build a Lifetime Portfolio” and “Finding a Balance between Time, Money and Joy”. Links can be found at Time, Money and Joy.com (no registration required, extensive slides and resources provided). _________________________ Podcast Conversations You May Like How to Prepare Mentally for Life After Work – Joseph Maugeri The Purpose Code – Dr. Jordan Grumet The Good Life – Marc Schulz, PhD ________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 1.6 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. _________________________ The views and opinions expressed by guests on The Retirement Wisdom Podcast are solely those of the guests and do not reflect the opinion of the host or Retirement Wisdom, LLC. The Retirement Wisdom Podcast primarily covers the non-financial aspects of retirement. From time to time we may invite guests who discuss other aspects of retirement planning, solely for educational purposes. Listeners are advised to consult qualified financial and/or medical professionals on those matters. ________________________

COSTLY MISTAKES SELLING IN A DOWN MARKET FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS   with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Selling investments during a market downturn can feel like the safe move—but it's often the most costly. In this episode, BWFA's Sandy Hornor and Tyler Kluge explain why timing the market rarely works, and how emotional decisions can derail your long-term financial plan. Full Description When markets fall, fear often takes over. Investors may feel pressure to sell their holdings to “avoid more losses,” but history shows that this reaction usually does more harm than good. Selling in a down market not only locks in losses—it also prevents investors from benefiting when markets rebound. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge discuss why selling during downturns is one of the most damaging financial mistakes investors make. They explain how emotional reactions, rather than strategy, often drive poor timing decisions. Once investors move to cash, they face two nearly impossible tasks: deciding when to sell and when to get back in. Missing even a few of the market's best days—many of which occur during volatile periods—can set back long-term growth significantly. Sandy and Tyler share practical strategies to help listeners avoid panic-driven decisions. They emphasize the importance of planning, understanding risk tolerance, and aligning investments with short-, mid-, and long-term needs. They also explain how diversifying portfolios and allocating funds to conservative assets can provide stability during volatile times. A key takeaway: volatility is temporary, but your goals are not. By sticking with a well-structured plan and working with a trusted advisor, you can stay focused on what you can control and weather downturns with confidence. At BWFA, we help clients design portfolios that can endure market cycles without jeopardizing long-term goals. This episode offers perspective, reassurance, and a steady reminder to stay the course. For more insights, visit BWFA's Investment Management Services.

This week on the Financial Planner Life podcast, Sam Oakes sits down with Rosie Hooper, Chartered Fellow and Financial Planner at Quilter Cheviot. Rosie shares her inspiring 26-year journey from her early days in bank management, through corporate employee benefits, to becoming a highly respected private client planner.Rosie talks candidly about how growing up in a household where money was tight shaped her relationship with finances and fuelled her passion for planning. She opens up about the emotional depth of her client work, why she proudly calls herself a "financial planner" rather than an advisor, and how truly understanding her clients' lives, not just their portfolios, makes all the difference.In this episode, you'll learn:The mindset shift from corporate benefits to private client advice, and how the two worlds are more connected than you thinkHow to create a referral engine by delivering a first-class, emotionally resonant client experienceThe power of coaching and mentorship in developing new talent (and why "menchoring" might be the secret sauce)Why confidence is just as important as competence, and how Rosie helps emerging planners build bothHow AI is enhancing client service at Quilter Cheviot while preserving the all-important human touchRosie's two "magic wand" wishes for the future of the financial planning professionPlus, hear about the "health and wealth seesaw” she uses to help clients balance financial goals with living a fulfilling, healthy life. Discover how this approach, alongside her deep client relationships, has earned her the nickname Rosie Poppins.Whether you're new to financial planning or a seasoned pro, this episode is packed with insight, honesty, and practical wisdom for building a client-focused, referral-based business.Be sure to follow Financial Planner life on YouTube for extra content about career development within Financial Planning. Reach out to sam@financialplannerlife.com in regards to sponsorship, partnerships, videography or podcast production. Want to appear on the Financial Planner Life podcast? Drop Sam a message.

If you've ever wondered whether hiring a financial advisor is actually worth it or just another money trap, this episode's for you. We're breaking down exactly what financial planners do, how to know if you need one, and how to find someone who actually works for you, even on a frugal budget.

Chad Hufford joins Something For Everybody this week. Chad is a Financial Planner at Veritas Wealth Management and Dave Ramsey's SmartVestor Pro.  In this conversation, Chad shares his journey from a near-death experience to a life filled with gratitude and optimism. He discusses the importance of perspective, the impact of tragedy on personal growth, and the need for open conversations about money. The discussion delves into financial fundamentals, the significance of living within one's means, and the metaphor of building wealth as cultivating an orchard. Chad emphasizes the importance of patience, discipline, and intentionality in both financial planning and parenting, ultimately defining financial freedom as the ability to live comfortably without relying on a paycheck. - See discounts for all the products I use and recommend: https://everybodyspod.com/deals/ - Shop For Everybody  Use code SFE10 for 10% OFF

Creating a business you love doesn't have to be a fantasy, and in this episode, Libby brings back her best friend and long-time advisor Jen for a real, transparent look at what it takes to reclaim your time, refine your systems, and run a thriving advisory firm with intention.

Send us a textWhat are Estate Documents, and why are they necessary? I had Estate Documents drafted approximately 15 years ago. Why do these documents need to be updated?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

Ep. #123 “In Their Own Words” - Clients & ColleaguesIt has been my great privilege to work with incredible professionals and to work for wonderful clients for several years now. Through educating in the Infinite Banking footprint and building a business as an agent, I have worked for and with some long time friends that are clients and made many new friendships with clients and professional colleagues as well, all throughout America. Here is a small, and quality, collection of the voices willing to express in video their new found security, growth, learning, appreciation of collaboration,  and financial indpenedence through this Infinite Banking Concept. I'm better for knowing all of you here representated, and those many more not, in this video. ⚔️ LIVE & LEAVE A LASTING LEGACY

Infinite Banking Interview #37: Jacob DurhamIn this episode of the Interview Series I have the pleasure of speaking with my own, and oldest son, Jacob. Jacob is 12. He can iron his own clothes, cook a meal for the family, drive, take photos and videos for me, and much more. He's quite a capable young fellow. Finances are another thing that Jacob handles. He works and earns income, pays policy premiums, make policy loan deals within the family and we have spoken about these things before in our Family Banking Series (link below). So, since he was with me for an “Office Day” recently, it was time to sit down and have an interview.I hope you enjoy our conversation and learn!RESOURCES:Family Banking Serieshttps://bit.ly/FamilyBankingSeries⚔️ “LIVE & LEAVE A LASTING LEGACY”

In this third installment, James shares a collection of clips answering foundational IBC® questions. He highlights why the policy owner's actions such as capitalization, premium payments, and loan repayments ultimately shape long-term results. As always, we hope you enjoy the episode and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

In this episode, Kathy Jones and Liz Ann Sonders discuss some recent investor' questions involving credit risks, government debt, and the potential for an AI bubble. Then, Mike Townsend, Schwab's Washington-based political analyst, joins the show to discuss the end of the government shutdown. He and Liz Ann and Kathy cover the provisions within the agreement to reopen the government, including the potential extension of subsidies for the Affordable Care Act. They also discuss the upcoming Supreme Court ruling on tariffs and how the government might take a while to get caught up on data releases involving employment and inflation information. Kathy and Liz Ann routinely answer questions about the effects of government debt and deficits, and they ask Mike Townsend for his thoughts on how and when that issue might be resolved. Finally, they address upcoming changes to the tax code and the political fallout of the shutdown.You can keep up with the latest developments out of Washington—and learn how they might affect investors—by following Mike Townsend on X and LinkedIn. You can also listen to and follow his podcast, WashingtonWise.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.This information is not a specific recommendation, individualized tax  or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(1125-9E27) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ever stop to think how one small word can change the entire vibe of your business? In this episode, Libby breaks down why saying “s—--” might be holding you back — and how a simple language shift can transform how clients see your firm and how your team sees themselves.You'll learn how swapping your language builds confidence, strengthens culture, and positions your practice as a cohesive, professional unit.

Paul and Evan hit a variety of topics in this episode, starting with Tesla's future and Musk's incentives to stay with the company, and then pivoting to a pet peeve of Paul's: trying to use money to solve relationship problems. Listen along as these two advisors discuss innovation in business and why getting married shouldn't be a financial decision, but rather a commitment between partners.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Myths, Mysteries & Misconceptions #25: Whole Life Insurance Has Permanent High PaymentsMany people would have you believe that whole life insurance is has permanent high payments that you can “never get away from” in later life/retirement. Question: Why would one *want to pay as much premium as possible, as often as possible and for as long as possible? (That's a much better question!)I understand that folks would want things to simplify and have their finances to be more passive later in life/ in retirement. Paying significant premiums over as long of a period of time as possible is actually the most advantageous way for our personal economy to have guarantees, growth, access to capital, maintain control of our financing/spending, operate with tax advantages, etc and ultimately achieve intergenerational financial independence and autonomy. Understand this for yourself and you can take back control, and profit, from the banking function in your life, with Infinite Banking. There's more to this misleading idea than at “face value” (pun intended;)Let's clear this myth up!⚔️ LIVE & LEAVE A LASTING LEGACY

In this episode we chat with AJ Lemarier, Financial Planner, about the basics of Medicare and the various options individuals consider when selecting the right plan for their future needs. Links: Take the free financial assessment: Financial Wellness Experience Get in touch with AJ: https://www.trianglefinancialgroup.com/the-team Check out more Medicare options at: https://www.medicare.gov/ Explore more retirement and Medicare resources at: The United States Social Security Administration Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  

Aaron Kersch and Laura Zettel-Watson joined forces to answer the question “What if there was a way to help everyone design their dream retirement before they even stepped into the office of a Financial Planner?” Aaron is the financial planner, Laura is a psychologist and a gerontologist (among other things!) The answer to that question is "The Rewarding Retirement Workbook: Six Essentials Beyond Your Nest Egg”. Today they discuss: Research: 50% of happiness is predetermined by genes, 8-15% comes from circumstances like income Hedonic and eudaimonic happiness Relationships matter more than money for happiness Focus on activities rather than goals Behavioural finance Go-Go Years, Slow-Go Years, and No-Go Years Aaron and Laura also discuss the Six Essentials Beyond our Nest Egg and why we Boomer Women are unique in history. Listen now and then share this episode. Find The Rewarding Retirement Workbook at https://rewardingretirementworkbook.com/ Learn more about Aaron and Laura and find all their links at The Boomer Woman's Podcast: Aaron Kirsch and Laura Zettel-Watson Want to be a guest on The Boomer Woman's Podcast? Send Agnes a message on PodMatch, here:  Agnes on PodMatch  

COSTLY MISTAKES WHY SAVING TOO LITTLE HURTS LATER FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Saving may appear simple, but many individuals underestimate the actual amount they'll require for retirement. In this episode, BWFA's Sandy Hornor and Tyler Kluge delve into the reasons behind insufficient savings and highlight it as one of the most expensive financial blunders. They also provide actionable steps to help you catch up. Full Description Retirement often arrives sooner than expected—and for many, the biggest regret isn't market losses, but simply not saving enough. While most people know they should save, few realize how quickly expenses grow and how inflation can double the cost of living every 20 years. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge break down the realities of under-saving. They explain why retirement “sneaks up” faster than most expect, and how even diligent savers can fall short without a clear plan. The discussion emphasizes the importance of starting early, automating savings, and increasing contributions over time. Sandy and Tyler also highlight the math behind compounding and inflation. A 7% annual return doubles a portfolio roughly every 10 years—but costs double about every 20. The earlier you start, the more power compounding has to work in your favor. For those starting late, they share realistic steps to catch up, such as boosting savings rates, maximizing employer plans, and aligning investments to long-term goals. The conversation wraps with a reminder that successful retirement planning isn't about reacting to markets—it's about integrating all aspects of wealth management. At BWFA, our comprehensive approach includes investment management, financial planning, tax strategy, and estate planning to ensure all parts of your plan work together. If you're wondering whether you're saving enough—or worried you're behind—it's never too late to take control of your future. For more insights, visit BWFA's Financial Planning Services.

In this episode of The Efficient Advisor, Libby sits down with Jen, a powerhouse financial advisor and mom of four who has tripled her revenue in just three years—all while working only three days a week. Jen shares the mindset shifts, systems, and team-building strategies that allowed her to scale her practice with confidence and ease. This conversation is packed with real, actionable advice for advisors who want to grow their businesses without burning out.In this episode, you'll learn:How Jen defined her niche and specialized in serving pre-retirees and widowed women to grow her practice faster.The key systems and templates that freed her time while improving client service and consistency.Why hiring the right team members—even when it's scary—is essential to scaling sustainably.How creating a “model week” transformed her time management and family balance.The importance of investing in coaching, continued learning, and accountability to reach new levels of success.As Libby and Jen reflect on their years of coaching together, they show what's possible when you put in the work, trust the process, and build your business intentionally. You'll walk away inspired to simplify, systematize, and scale—while still having time for the people and things you love most.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.

In this second installment, James shares a collection of clips discussing Universal Life insurance within the Infinite Banking Concept®. He highlights why Nelson Nash emphasized dividend-paying whole life, and how the structure and guarantees differ over time. As always, we hope you enjoy the episode and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Mark J. Kohler, CPA, Senior Partner of KKOS Lawyers, Co-Founder of Directed IRA (no. 391 on Inc. 5000), and bestselling author, has built a career helping American small business owners and entrepreneurs achieve financial success. With over 25 years of experience and 10,000 client consultations, Mark's insights have cemented his reputation as the top-tier tax & legal expert, disruptor, and advisory mogul in the industry. His unique expertise has also been featured in national media outlets, including Fox, NBC, Bloomberg, Yahoo! Finance, Entrepreneur, Wharton School of Business, CNBC, The World Economic Forum in Davos, and the Wall Street Journal. He was awarded Monaco Voice's 40 over 40 and Tax Advisor of the Year at the Global Entrepreneur Festival.Mark's practical, down-to-earth advice reaches millions through his popular YouTube channels, weekly live training, and bestselling books. Mark's relatable teaching style simplifies tax and legal concepts for anyone looking to grow their wealth and reduce the stress of tax season.Through the Main Street Tax Professional Certification, Mark is training thousands of CPAs, Financial Planners, Lawyers and Enrolled Agents to deliver the same transformative strategies to their clients with confidence. His mission is clear: to equip Main Street American business owners with the tools they need to build wealth, reach their financial goals, and drive economic growth.Above all, Mark is a thought leader committed to empowering the next generation of advisors and entrepreneurs, ensuring they have the knowledge and resources to shape our economic landscape for generations to come.To View This Episode- https://youtu.be/3ojpQha33Gc#philfriedrich #whoknewinthemoment #podcast