Podcasts about financial planners

In this episode of the Banking With Life Podcast, James sits down with his friend Roger Cantu to discuss asset-based long-term care and the importance of planning ahead. They explore how long-term care needs can impact families, the differences between traditional and asset-based approaches, and how proper planning can provide greater control over where and how care is received. 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: ➫ soundcloud.com/banking-with-life-podcast━━━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.

Need a hack to finally get better at delegation—without feeling like you have to lower your standards? If you're a financial advisor who knows you need to get more off your plate but keeps thinking, “It's just faster if I do it myself,” this episode is for you. I'm breaking down Gary Vaynerchuk's 15-80-5 framework, a simple approach that lets you maintain ownership of the vision without owning every step of the execution.In this episode you will learn:How the 15-80-5 framework can help you delegate projects without sacrificing quality.Why spending more time communicating your vision upfront can prevent delegation breakdowns.How stepping out of the middle 80% helps your team develop ownership, judgment, and confidence.Why “different” doesn't necessarily mean “wrong”—and how accepting that can make you a better leader.The goal of delegation isn't to lower your standards. It's to build a business capable of meeting those standards without requiring your involvement in every tiny detail. The 15-80-5 framework gives you a practical way to provide clarity, give your team room to execute, and still ensure the finished product meets your expectations—so you can stop being the person everyone is waiting on.Register for the Quin x Efficient Advisor Show & Tell HERE!Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

The Infinite Banking Concept (IBC) isn't simply about buying a whole life insurance policy—it's about creating a better financial environment around the money already flowing through your life or business. In this short video, I discuss how becoming your own banker can provide greater control, liquidity, capitalization, and flexibility for individuals, families, and business owners.With a properly designed participating whole life insurance policy serving as the asset, Infinite Banking provides a system for storing, accessing, and continually putting your capital to work while taking greater control over the banking function in your life.⚔️ LIVE & LEAVE A LASTING LEGACY

Should you be charging for financial planning—and if so, how much? For many advisors, the idea of charging directly for their advice brings up a whole lot of questions (and maybe a little head trash). In this episode, I'm joined by Jacqueline Bradley and Ben from MindShift Financial Coaching to unpack what it actually looks like to move from “working for hope” to confidently charging for the value you provide. We're talking pricing, positioning, separating planning from AUM, communicating your value, and even how to approach existing clients when you've been providing planning for free.In this episode you will learn:How to determine what to charge for financial planning without overcomplicating your pricing.How to clearly separate financial planning from investment management and other transactional services.How to communicate your planning charge with confidence and position the value beyond the financial plan itself.How to begin introducing planning charges to prospects and existing clients without changing your entire business model overnight.If charging for financial planning has been on your mind, this episode will give you practical language, a new way to think about your value, and some simple first steps to get started. And if you're ready for more support, MindShift Financial Coaching offers both a self-paced Financial Planning School and a live cohort beginning October 21st. Efficient Advisor listeners can receive 10% off either option—head to the show notes or visit the Resources page at theefficientadvisor.com for all the details.If you want to learn more about Mindshift and take advantage of the 10% discount: Check it out HERE and use code: LIBBY at check out!Register for the Quin x Efficient Advisor Show & Tell HERE!Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Send us Fan MailIf a person thinks of themselves as a castle, their ego is the wide moat surrounding the castle. A moat was designed to protect and defend the castle against attacks. Having an “inflated ego” is not good, but even a “healthy ego” can become the moat around a person, preventing “change” from entering.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

First of all, save the date, October 17th! Second of all, per request of Ricky listener Maddy, here is every single song we could find or remember that has ever been part of the Ricky, with the story behind it if we have it. Thank you to our musician friends and listeners for making so much interesting, hilarious and amazing music. Sign up for our Bark In the Park team here: https://www.rightstorickysanchez.com/p/barkThe Rights To Ricky Sanchez is presented by Draft KingsAnthony Degli Obizzi is the official Financial Planner of The Ricky, text RICKY to 484-471-4873 to set up a conversationAdam Ksebe is the official realtor of The Ricky at 302-864-8643 or https://www.buyindelaware.com/Become a MortgageCS Ricky VIP at mortgagecs.com/rickySurfside Iced Tea and Vodka is the official canned cocktail of The Ricky

We sat down with Chris Hodge, Chief U.S. Economist at Natixis Corporate & Investment Bank Americas, for his outlook on monetary policy in the current rate cycle. Chris joins host Mark Gatto, co-Founder and co-CEO of CION Investments, to discuss whether recent economic data prints point to a disinflationary trend, and how AI capex is bolstering what Chris calls a "three-speed economy" amid flattened consumer spending and declining wage growth.

Can you use Infinite Banking to pay property taxes? In this installment of our Family Banking series, I show how we use our private family banking system to handle a real expense our family already has: property taxes. Rather than treating Infinite Banking as an abstract financial concept, this is a practical example of how our family uses the banking system we've built with properly structured participating whole life insurance.The point isn't simply how to pay a tax bill—it's learning to think differently about the banking function surrounding the money already flowing through your life. About This ChannelI help hard-working American families, and business owners understand and implement the Infinite Banking Concept (IBC) exactly as it was conceived and codified by R. Nelson Nash, author of Becoming Your Own Banker.As an Authorized Infinite Banking Concept Practitioner with the Nelson Nash Institute and a licensed insurance agent, my practice is exclusively dedicated to helping clients apply the authentic Infinite Banking Concept using properly designed participating whole life insurance policies from mutual Life Insurance companies.If you're looking for genuine education on Infinite Banking, Becoming Your Own Banker, cash value whole life insurance, private family banking, financial independence, wealth building and preservation, legacy planning, and capitalization, you've come to the right place.

In this episode of the Banking With Life Podcast, James continues his conversation with his friend Mark DiTondo about cash balance plans and defined benefit plans for business owners. They discuss incorporating life insurance, planning for future healthcare expenses, and how these strategies can help business owners reduce taxes while building a safe and secure retirement. 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━━━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.

What should financial advisors charge? Too often, advisors answer that question by looking around at what everyone else is charging and picking a number that feels safe. But your clients aren't paying for the number of hours you spend creating a financial plan or the number of meetings on your calendar. They're paying for the years of experience, expertise, and pattern recognition that allow you to help them make better decisions, avoid costly mistakes, and move forward with confidence. In this episode, we're breaking down how to think differently about pricing your advice—and how to determine whether your fees actually reflect the value you create.In this episode you will learn:Why pricing based on what other advisors charge can lead you to undervalue your expertise.How to separate the one-time value of financial planning from the ongoing value you provide.Why you shouldn't immediately lower your price when a prospect pushes back on your fee.A simple exercise to evaluate whether your current fees reflect the value you create for clients.Your clients aren't paying for how many hours it takes you to do the work. They're paying for what your experience, expertise, and time make possible. Take a look at the last five clients you onboarded, identify the value you created and the costly mistakes you helped them avoid, and then ask yourself one important question: Does my fee actually reflect that value?Register for the Quin x Efficient Advisor Show & Tell HERE!Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Jesse shares an exciting new career update. And to celebrate 150 episodes, we're doing a unique AMA episode. Looking for a financial planner?  → PlanWithJesse.com First, Jesse shares an exciting new career update. He has joined a new financial planning firm - as an advisor and an owner. The new firm, Rialto, is focused on serving people JUST like those who read *The Best Interest* and listen to Personal Finance for Long-Term Investors.  Justin Peters takes the microphone around and asks Jesse the questions listeners have been sending in for months—the ones that don't quite fit into a traditional personal finance show. From career changes and family life to engineering, hiking, favorite books, pizza toppings, and what's next for the podcast, you'll get to know the person behind Personal Finance for Long-Term Investors. Along the way, Jesse also shares lessons from leaving aerospace engineering to become a financial planner, why he chose advising over becoming a full-time content creator, how he thinks about risk in his own life, and why long-term thinking extends far beyond investing. Key Takeaways: • The biggest piece of financial advice he would give differently today. • Growing up in rural New York and why Rochester still feels like home. • How the University of Rochester shaped Jesse's confidence and career. • Why Jesse chose financial planning over becoming a full-time content creator. • Favorite travel destinations, books, movies, and hiking adventures. • A preview of a potential new podcast format featuring real listener financial case studies. Key Timestamps: (01:34) – Jesse's New Chapter (04:43) – Leading with Financial Planning (07:58) – Who Are Jesse's Ideal Clients? (10:29) – Celebrating 150 Episodes (12:23) – Who's on Your Team? (13:50) – What Are Jesse's Frivolous Purchases? (15:06) – When Will Jesse Be Financially Independent? (18:06) – What's the Worst Financial Advice Jesse's Given? (20:29) – Would Jesse Ever Leave Rochester? (22:35) – What's Jesse's Family Situation? (27:24) – University, Squash, and Effort (32:32) – Space Telescopes, Engineering, and Results (37:28) – Starting The Best Interest Blog and Becoming a Financial Planner (43:03) – Why Not Just Be a Content Creator? (45:33) – Making a Career Change (50:43) – Travel (53:14) – Books and Movies (56:55) – 46 Peaks (59:00) – Jesse's Pizza Philosophy (01:00:36) – What's Next for the Podcast? 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: Website: https://rialtowealth.com/ LinkedIn: https://www.linkedin.com/in/jesse-cramer-11b58155/ Mentions: Deep Work: Rules for Focused Success in a Distracted World by Cal Newport A Random Walk Down Wall Street: The Best Investment Guide That Money Can Buy by Burton G. Malkiel https://libbyapp.com/ https://www.harpercollins.com/blogs/authors/chris-crutcher https://bestinterest.blog/e123/ https://finconexpo.com/  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  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.

What happens when you discover the Infinite Banking Concept (IBC) but wait nearly a decade to take action? In this short video, I share the story of someone who first encountered Infinite Banking around 10 years ago and is now getting on my calendar to begin the process of becoming his own banker. It's a reminder that investigating and understanding the concept matters—but eventually, implementation requires action.If you've been researching Infinite Banking, R. Nelson Nash, Becoming Your Own Banker, or properly designed whole life insurance for months or even years, perhaps the better question is: What are you waiting for?⚔️ LIVE & LEAVE A LASTING LEGACY

We spend a lot of time talking about how to simplify, systematize, automate, and streamline our businesses—but what about our lives outside of work? After sharing that I recently flew my family to South Africa and back in upgraded seats for mostly free, I got flooded with questions about how I had accumulated so many miles. The answer isn't complicated travel hacking or a spreadsheet filled with credit cards. In this episode, I'm sharing my “easy button” approach to free travel: a simple, mostly automated system that helps me earn points, score travel perks, and save money without turning any of it into another job.In this episode you will learn:How I use SkyKey to automatically find lower fares and get money or miles back after I've already booked a flight.My simple strategy for using companion passes and credit card spending to cover more of my family's flights.How I “double dip” with Uber, SkyMiles Dining, shopping portals, and everyday spending to earn points with minimal effort.How I keep my entire system simple by giving each credit card a specific job for business expenses, personal spending, and travel.This episode isn't about perfectly optimizing every point or becoming a travel-hacking expert. It's about finding your version of the 80/20—using simple systems and automation to get more of the benefits you want without adding more work to your life. Whether your preferred combination is Delta and Marriott or completely different airlines and hotels, the goal is the same: find what works, keep it simple, and use the margin you've worked so hard to create to actually enjoy your life.READ THE BLOG HERE! Register for the Quin x Efficient Advisor Show & Tell HERE!Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

RSUs Explained: Vesting, Taxes, Selling Strategies & How to Avoid Paying Taxes TwiceCFP Lucas Casarez of Techie Personal Finance Boot Camp explains how RSUs work and how to avoid common mistakes, especially paying taxes twice due to incorrect cost basis reporting. He distinguishes startup RSUs (often illiquid and effectively worth zero until a liquidity event) from publicly traded RSUs (valued daily and sellable at vesting), and breaks down vesting schedules, cliffs, refresh grants, and the “golden handcuffs” effect of leaving unvested shares behind. He covers when you can sell (including blackout windows), how RSUs are taxed at vesting, why 22% federal withholding may be insufficient, and how future sales can trigger short- or long-term capital gains. He shares a goal-based framework for deciding to sell, hold, or hybrid, emphasizes concentration risk, and notes resources like an RSU tax calculator and strategy guide. Avoid RSU Double Tax RSU Basics Overview Startup vs Public RSUs Vesting Schedules Explained Golden Handcuffs Effect What Your RSUs Are Worth Selling RSUs and Blackouts RSU Taxes and Withholding Capital Gains After Vesting Fix Cost Basis Errors Sell or Hold Framework Get Help and Wrap Uphttps://www.levelupfinancialplanning.com/restricted-stock-unit-rsus-strategy-guide/ https://www.levelupfinancialplanning.com/restricted-stock-units-rsus-tax-calculator/

Send us Fan MailIt's been a little over one year since I placed some of my assets with a financial advisor. One year, already!!!! A one-year review of my portfolio and its performance was promised. So, here's an update on my portfolio and a one-year review. 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 is the Rule of 72, and what can it teach you about your money? The Rule of 72 is a simple financial calculation that helps estimate how long it takes money to double at a given rate of return or compound growth. In this video, we break down how the Rule of 72 works and why understanding compounding, time, and the cost of capital matters when making long-term financial decisions.For those investigating the Infinite Banking Concept (IBC), the Rule of 72 also provides a useful framework for thinking about capitalization, compounding, and the long-range consequences of where your money is—and who controls it. About This ChannelI help hard-working American families, and business owners understand and implement the Infinite Banking Concept (IBC) exactly as it was conceived and codified by R. Nelson Nash, author of Becoming Your Own Banker.As an Authorized Infinite Banking Concept Practitioner with the Nelson Nash Institute and a licensed insurance agent, my practice is exclusively dedicated to helping clients apply the authentic Infinite Banking Concept using properly designed participating whole life insurance policies from mutual Life Insurance companies.If you're looking for genuine education on Infinite Banking, Becoming Your Own Banker, cash value whole life insurance, private family banking, financial independence, wealth building and preservation, legacy planning, and capitalization, you've come to the right place.

Financial planners are sitting on a confidence problem: a 70% opportunity gap when it comes to closing, and it is costing them business they should be winning.Chris Larkin, founder of training consultancy BigRock, returns to the podcast alongside Mark Rockliffe, CEO of Pembroke Financial Planning, to unpack what is really behind that number and what Pembroke has done differently over the past 12 months, growing from around 80 to 170 people along the way.BigRock's Advisor Advantage diagnostic tool, completed by hundreds of Financial Planner Life listeners, found this audience scoring 48% higher than the industry average on protecting time before and after client meetings, one of several results Chris and Mark break down in this episode.For financial planners, advisers and business owners in financial services who want to close more consultatively, not more aggressively.Key takeaways:●Why "are you happy to go ahead?" is the only closing line advisers need● The acronym BigRock uses to turn a client's own words into the reason they act●What a 137% gap in structured objection handling is really telling the industry●Why only 9% of UK adults take financial planning advice●How Pembroke grew from 80 to 170 people without changing what “selling” means to its advisersFinancial Planner Life is sponsored by Redmill AdvanceWhether you're starting out, already qualified, or building a training academy, Redmill Advance delivers expert-led learning, exam support and CPD from Level 4 to Chartered.✅ Trusted by top UK firms

In this episode of the Banking With Life Podcast, James sits down with his friend Mark DiTondo, who brings 38 years of experience in retirement planning, to discuss cash balance plans and defined benefit plans for business owners. They explore how these plans can create significant tax deductions, provide secure retirement income, incorporate life insurance, and even assist with business succession planning. 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━━━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.

Some of the best efficiency wins in your practice aren't massive system overhauls—they're the small decisions you find yourself making over and over again.In this episode, I'm sharing one incredibly simple process I used in my own advisory practice to eliminate a recurring interruption, empower my team to make more decisions without me, and ultimately give clients faster service. I'll walk you through exactly how we created a “first $20,000” distribution strategy for clients, documented it in our CRM, and built a decision tree that helped my team know exactly what to do when a client called needing cash.In this episode you will learn:How to create a simple “first $20,000” distribution strategy for your clients.How to use your CRM to give your team clear direction without needing to involve you.How to build a decision tree that helps your team confidently handle client distribution requests.How to identify recurring questions and small decisions you can systematically remove from your plate.You don't have to build this process for every client overnight. Start with the clients you're already meeting with next week, document where you'd recommend they access cash if a need comes up, and build from there. Small systems like this can eliminate interruptions, speed up your client service, and gradually train your team to take ownership of more decisions—freeing you to focus on the bigger strategies and conversations that actually require you.Register for the Quin Show & Tell HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Is the stock market dangerously expensive, or are investors overlooking strong future earnings growth? The S&P 500's Shiller CAPE ratio has reached 41, yet the PEG ratio, which incorporates expected earnings growth, is signaling one of the cheapest market valuations in decades. Michael Lebowitz and Lance Roberts examine why these two popular valuation measures are sending completely opposite signals. The key difference comes down to expectations: CAPE relies on historical earnings, while PEG depends heavily on Wall Street forecasts for future growth. We look at the reliability of those earnings forecasts, the extraordinary concentration of expected growth among a handful of large technology companies, the role of AI investment, and whether today's valuations already price in too much optimism. 0:00 INTRO 1:04 - Jobs, JOLTS, & Economic Number Previews 5:01 - Markets are Stuck 11:04 - Vacation & Weekend Plans 12:23 - The Fed: What Will Warsh Do With Rates? 16:12 - The Truth About "Fed Buy Backs" 17:57 - Inflation Expectations are not Reason to Raise Rates 21:29 - No Guidance from the Fed? 23:48 - Valuations - What We Know vs What We Think We Know 28:48 - It all Comes Down to AI 32:12 - The Issue with PEG Ratios 36:12 - Dealing with Earnings Estimates Revisions 37:55 - How AI is Like the Railroads 39:34 -The Use of AI is Growing Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/OOZIdB7YSsw -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "Market Stuck in Neutral," https://youtu.be/bTDPi28yJcg ------- Articles mentioned in this report: "Market Valuation: Expensive CAPE Or Cheap PEG?" hhttps://realinvestmentadvice.com/resources/blog/market-valuation-expensive-cape-or-cheap-peg/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #ValueStocks #SeptemberMarkets #StockMarket #MarketValuation #Investing #SP500 #ArtificialIntelligence

Is the stock market dangerously expensive, or are investors overlooking strong future earnings growth? The S&P 500's Shiller CAPE ratio has reached 41, yet the PEG ratio, which incorporates expected earnings growth, is signaling one of the cheapest market valuations in decades. Michael Lebowitz and Lance Roberts examine why these two popular valuation measures are sending completely opposite signals. The key difference comes down to expectations: CAPE relies on historical earnings, while PEG depends heavily on Wall Street forecasts for future growth. We look at the reliability of those earnings forecasts, the extraordinary concentration of expected growth among a handful of large technology companies, the role of AI investment, and whether today's valuations already price in too much optimism. 0:00 INTRO 1:04 - Jobs, JOLTS, & Economic Number Previews 5:01 - Markets are Stuck 11:04 - Vacation & Weekend Plans 12:23 - The Fed: What Will Warsh Do With Rates? 16:12 - The Truth About "Fed Buy Backs" 17:57 - Inflation Expectations are not Reason to Raise Rates 21:29 - No Guidance from the Fed? 23:48 - Valuations - What We Know vs What We Think We Know 28:48 - It all Comes Down to AI 32:12 - The Issue with PEG Ratios 36:12 - Dealing with Earnings Estimates Revisions 37:55 - How AI is Like the Railroads 39:34 -The Use of AI is Growing Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/OOZIdB7YSsw -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "Market Stuck in Neutral," https://youtu.be/bTDPi28yJcg ------- Articles mentioned in this report: "Market Valuation: Expensive CAPE Or Cheap PEG?" hhttps://realinvestmentadvice.com/resources/blog/market-valuation-expensive-cape-or-cheap-peg/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketOutlook #ValueStocks #SeptemberMarkets #StockMarket #MarketValuation #Investing #SP500 #ArtificialIntelligence

September is starting with a new set of challenges for investors: rising Treasury yields, higher oil prices, persistent inflation, renewed geopolitical tensions, and growing questions about whether the Federal Reserve may have to raise rates again. Add historically weak September seasonality and the uncertainty surrounding the midterm elections, and investors have plenty to think about. Lance Roberts and Danny Ratliff answer your questions about market risk, interest rates, inflation, portfolio positioning, retirement planning, and what investors should be watching next. 0:00 INTRO 0:50 - JOLTS Report Review, ADP/Jobs Preview 2:04 - Oil Prices on the rise (oil risk is transient): What's feeding into Inflation? 3:52 - Broadcom report preview 4:14 - Market working down towards 50-DMA to test support 5:15 - Seasonal weakness for September is present; volatility remains low 8:53 - Any market Rotation? 10:28 - Guidance for Acquiring company stock in 401k 12:37 - Recommendation for Rotation in and out of funds - how & why & controlling risk 15:30 - Dividend yields or reinvest in Creation of Retirement Paycheck? 19:37 - Where to hide money from the "coming doom..." 21:30 - Dealing with the risks in September 22:57 - Portfolio Management Rebalancing, & Target Weighting 26:13 - Data Center & related stocks: Bloom, Anet, ETN 30:15 - Money flow & Breadth Indicator, Momentum signals: Tax avoidance investing 32:56 - Is anyone big enough to move the market to influence the election (Situational Awareness) 36:55 - Changes to mandatory withdrawals 38:38 - Sensible policies to "fix" SS: remove restrictions on IRA's vs need for revenue 43:33 - Brookfield Corp? 45:12 - Worry about IRMAA? 45:56 - Pullback # for S&P 46:33 - Gold & Silver to run in future? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZxnrV8m0F4g?feature=share -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "September Weakness Tests Market Support," https://youtu.be/4xaM1pIhI1w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketCorrection #RiskManagement #SeptemberMarkets #Investing #FederalReserve #RetirementPlanning #MarketRisk

September is starting with a new set of challenges for investors: rising Treasury yields, higher oil prices, persistent inflation, renewed geopolitical tensions, and growing questions about whether the Federal Reserve may have to raise rates again. Add historically weak September seasonality and the uncertainty surrounding the midterm elections, and investors have plenty to think about. Lance Roberts and Danny Ratliff answer your questions about market risk, interest rates, inflation, portfolio positioning, retirement planning, and what investors should be watching next. 0:00 INTRO 0:50 - JOLTS Report Review, ADP/Jobs Preview 2:04 - Oil Prices on the rise (oil risk is transient): What's feeding into Inflation? 3:52 - Broadcom report preview 4:14 - Market working down towards 50-DMA to test support 5:15 - Seasonal weakness for September is present; volatility remains low 8:53 - Any market Rotation? 10:28 - Guidance for Acquiring company stock in 401k 12:37 - Recommendation for Rotation in and out of funds - how & why & controlling risk 15:30 - Dividend yields or reinvest in Creation of Retirement Paycheck? 19:37 - Where to hide money from the "coming doom..." 21:30 - Dealing with the risks in September 22:57 - Portfolio Management Rebalancing, & Target Weighting 26:13 - Data Center & related stocks: Bloom, Anet, ETN 30:15 - Money flow & Breadth Indicator, Momentum signals: Tax avoidance investing 32:56 - Is anyone big enough to move the market to influence the election (Situational Awareness) 36:55 - Changes to mandatory withdrawals 38:38 - Sensible policies to "fix" SS: remove restrictions on IRA's vs need for revenue 43:33 - Brookfield Corp? 45:12 - Worry about IRMAA? 45:56 - Pullback # for S&P 46:33 - Gold & Silver to run in future? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZxnrV8m0F4g?feature=share -------- Watch our previous show, "What Should You Expect From a Financial Planner?" https://youtube.com/live/dRd4fGgwrkc ------- Watch today's "Before the Bell" report, "September Weakness Tests Market Support," https://youtu.be/4xaM1pIhI1w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #MarketCorrection #RiskManagement #SeptemberMarkets #Investing #FederalReserve #RetirementPlanning #MarketRisk

What can Infinite Banking look like when a family actually puts it into practice? In this real-life example, I share the story of a young mom who started building her private family banking systemand, less than a year later, found herself asking what to do with thousands of dollars in additional capital. This is what intentional financial behavior can begin to look like when you take greater control over the banking function in your life.Whether you're raising a family, building a career, running a business, or simply looking for greater financial independence, the Infinite Banking Concept (IBC) is ultimately about taking intentional control of how capital flows through your life.⚔️ LIVE & LEAVE A LASTING LEGACY

What should a good financial planner actually do for you? It should go far beyond choosing investments or building a retirement portfolio. A strong financial planning relationship should provide organization, accountability, objectivity, education, and proactive guidance while coordinating investments, taxes, Social Security, Medicare, insurance, estate planning, and retirement income. Just as importantly, your financial plan should evolve as your life, goals, markets, and tax laws change. Lance Roberts & Jon Penn examine what investors should expect from a financial planner, why personalization and communication matter, how a fiduciary relationship should work, and why good financial advice is ultimately about helping you make better decisions with your money. 0:00 INTRO 0:54 - Economic Previews & late earnings trickle in 3:15 - AI: Dis-inflationary AND Inflationary 4:57 - September is Seasonally Weak: 11:20 - Traditional Buy & Hold vs more active management & fear of gains 14:16 - Capital Preservation is first priority 17:44 - Separately Managed Accounts (SMA) vs S&P 20:04 - The Challenges of starting to build financial plan 26:00 - Getting Your Money's Worth from Financial Advisor 29:21 - The Problem of Account Accumulation & Dilution of Returns 34:02 - Budgeting, stress-testing, & tax planning opportunities 36:17 - Estate planning, medical directives, Durable POA 38:08 - Financial Planning priorities in Investing 39:06 - The Role of Life Insurance in Financial Planning 40:26 - Annuities' Bad rap - does it make sense? 44:00 - How much Liability Protection do You Need? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dRd4fGgwrkc -------- Watch our previous show, "Druckenmiller's Bond Market Warning" https://youtube.com/live/8HuTiqxY7yM ------- Watch today's "Before the Bell" report, "Don't Make a Big Bet Yet," https://youtu.be/9gNpbwdm97w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #MarketCorrection #FinancialPlanning #FinancialAdvisor #RetirementPlanning #PersonalFinance #WealthManagement

What does it actually look like to build a fast-growing advisory firm without sacrificing the depth of your client relationships? In this episode, I'm sitting down with financial advisor Emily Rassam to take a behind-the-scenes look at the client experience, workflows, and team structure she's used to build a thriving practice serving approximately 270 families. We dig into how behavioral finance shapes everything from prospect conversations to financial plans, why every meeting in her firm has a defined purpose and process, and how her team delivers a highly personalized experience without relying on traditional client segmentation.In this episode you will learn:How to use behavioral finance questions to identify ideal clients and create deeper financial planning conversations.Why a structured onboarding process can differentiate your firm before a prospect ever becomes a client.How to build a flexible client service model that combines consistent processes with personalized planning.How strong workflows and delegation allow advisors to step away from prep and follow-up without sacrificing the client experience.If you've ever wondered how to create a more personalized client experience while still building a practice that can scale, this conversation gives you a look under the hood of a firm doing exactly that. You'll walk away with practical ideas for structuring your meetings, strengthening your workflows, using your team more effectively, and creating the kind of processes that give you more capacity to focus on the work you do best.Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

What should a good financial planner actually do for you? It should go far beyond choosing investments or building a retirement portfolio. A strong financial planning relationship should provide organization, accountability, objectivity, education, and proactive guidance while coordinating investments, taxes, Social Security, Medicare, insurance, estate planning, and retirement income. Just as importantly, your financial plan should evolve as your life, goals, markets, and tax laws change. Lance Roberts & Jon Penn examine what investors should expect from a financial planner, why personalization and communication matter, how a fiduciary relationship should work, and why good financial advice is ultimately about helping you make better decisions with your money. 0:00 INTRO 0:54 - Economic Previews & late earnings trickle in 3:15 - AI: Dis-inflationary AND Inflationary 4:57 - September is Seasonally Weak: 11:20 - Traditional Buy & Hold vs more active management & fear of gains 14:16 - Capital Preservation is first priority 17:44 - Separately Managed Accounts (SMA) vs S&P 20:04 - The Challenges of starting to build financial plan 26:00 - Getting Your Money's Worth from Financial Advisor 29:21 - The Problem of Account Accumulation & Dilution of Returns 34:02 - Budgeting, stress-testing, & tax planning opportunities 36:17 - Estate planning, medical directives, Durable POA 38:08 - Financial Planning priorities in Investing 39:06 - The Role of Life Insurance in Financial Planning 40:26 - Annuities' Bad rap - does it make sense? 44:00 - How much Liability Protection do You Need? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/dRd4fGgwrkc -------- Watch our previous show, "Druckenmiller's Bond Market Warning" https://youtube.com/live/8HuTiqxY7yM ------- Watch today's "Before the Bell" report, "Don't Make a Big Bet Yet," https://youtu.be/9gNpbwdm97w ------- Articles mentioned in this report: "Loss: Why Crashes, Timing & Valuations Matter (Chapter 3 of 5)" https://realinvestmentadvice.com/resources/blog/loss-why-crashes-timing-valuations-matter-chapter-3-of-5/dvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #Investing #MarketCorrection #FinancialPlanning #FinancialAdvisor #RetirementPlanning #PersonalFinance #WealthManagement

Send us Fan MailJoin me for the 4th Birthday celebration of the Retiring With Enough podcast.In this podcast I list and discuss the five most listened to podcasts from Retiring With Enough during the last four years.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

How does your approach to retirement change when you begin thinking like your own banker? In this IBC Roundtable, we explore retirement through the lens of the Infinite Banking Concept, R. Nelson Nash's Becoming Your Own Banker, and the principle of thinking long-range.We discuss how capitalization, cash flow, access to capital, participating whole life insurance, and financial control can influence the way families think about preparing for and living through retirement. If you're seriously investigating Infinite Banking and retirement, this roundtable offers multiple practitioner perspectives on building a financial system intended to serve you for the long term.RESOURCES MENTIONED :Annuities - Part 1https://bit.ly/Annuities1Annuities - Part 2https://bit.ly/Annuities2Long Term Care - Part 1https://bit.ly/LongTermCare101Long Term Care - Part 2https://bit.ly/LongTermCare102EMS #26 Non-Forfeiture Optionshttps://bit.ly/NonForfeitureOptionsAbout This ChannelI help hard-working American families, and business owners understand and implement the Infinite Banking Concept (IBC) exactly as it was conceived and codified by R. Nelson Nash, author of Becoming Your Own Banker.As an Authorized Infinite Banking Concept Practitioner with the Nelson Nash Institute and a licensed insurance agent, my practice is exclusively dedicated to helping clients apply the authentic Infinite Banking Concept using properly designed participating whole life insurance policies from mutual Life Insurance companies.If you're looking for genuine education on Infinite Banking, Becoming Your Own Banker, cash value whole life insurance, private family banking, financial independence, wealth building and preservation, legacy planning, and capitalization, you've come to the right place.

 Towards the end of her ten years in law, Imogen worked out that fifteen hour days for three and a half months would get her to the billable hours she needed for her bonus. She did it, hit the number, and then handed in her notice. Sam Oakes speaks to Imogen Winfield, Paraplanner and soon to be qualified financial planner at City Gate Financial Planning, about the five month career break that became a complete change of profession. Imogen spent a decade at a US law firm, qualifying into litigation and working on commercial disputes and investigations with a financial services focus. Her clients were institutional investors, hedge funds and ultra high net worth individuals. What she did not have was control over her own time, and partnership, the destination everyone else was working towards, was the part that appealed least. She took an 84% pay cut to join City Gate, the largest pay cut that Sam has come across from anyone entering the profession. She started as operations manager, moved into paraplanning within four months, and is now close to being signed off as a competent adviser. Key takeaways: • Why partnership does not mean taking your foot off the gas, from someone who watched it up close • The billable hours maths that produced fifteen hour days for three and a half months • The single question that made financial planning click, and it had nothing to do with returns • Why lawyers on six figures need advice years before they think they do • What an operations role teaches a career changer that an admin role never will • The cashflow assumption almost every adviser gets wrong about high earning lawyers  Financial Planner Life is sponsored by Redmill AdvanceWhether you're starting out, already qualified, or building a training academy, Redmill Advance delivers expert-led learning, exam support and CPD from Level 4 to Chartered.✅ Trusted by top UK firms

In this episode of the Banking With Life Podcast, James continues his conversation with his friend Harry about putting the Infinite Banking Concept® into practice. Harry discusses becoming the banker, the flexibility of policy loans, and the importance of sticking to the fundamentals while building greater financial control 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━━━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.

There's one CEO skill that may be quietly capping your success—and it has nothing to do with how smart you are, how many credentials you have, or how good you are at financial planning. It's your ability to make decisions quickly. In this episode, we're talking about why advisors tend to overthink business decisions, how that slows your growth, and the simple framework I use to help advisors make decisions faster without being reckless.  In this episode you will learn:Why your financial advisor mindset might actually be slowing you down as a CEO.How faster decision-making creates momentum, better judgment, and more confidence over time.The Two-Question Rule for knowing when to make a decision quickly and when to slow down.How to use the 80% Rule to stop waiting for perfect information and finally make the call.You don't need to make perfect decisions—you need a framework that helps you make more good decisions, learn quickly, and keep moving. I'll also give you a simple seven-day decision sprint to help you put this into practice and start building your decision-making muscle immediately. Register for The Efficient Advisor x Quin: Workflow Show and Tell HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

In Episode 189 of #ExpatChat, Managing Director (EMEA), Brett Evans and Adam Prentice, Financial Planner, complete this two-part UK Expat 101 series for Australians living in the UK or considering making the move. Relevant Links: • Upcoming events and webinars - atlaswealth.com/events/
 • Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum
 • 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
 X: www.x.com/atlaswealthmgmt
 Instagram: www.instagram.com/atlaswealthgroup
 Youtube: www.youtube.com/atlaswealthmgmt

In this Family Banking episode, I share how we used the Infinite Banking Concept as part of the way our family manages our lifestyle—including buying a dog. This isn't about making a dog purchase sound like a financial strategy; it's about seeing how family banking and Infinite Banking can become part of the way a family thinks about and manages everyday financial decisions. We explore how properly designed whole life insurance, cash value, and policy loans can provide a family with greater control and flexibility over its capital.Want more from our Family Banking Series?Check it out here: https://bit.ly/FamilyBankingSeries ⚔️ LIVE & LEAVE A LASTING LEGACY

We said we'd do it, we're rewatching the Sixers Celtics playoff series from April and May. Today we look back on Games 1 and 2. Then we discuss LeBron's connection to Dodgers owner Mark Walter reported earlier this week by Bloomberg. Watch the Sixers vs. Celtics series this way: https://www.rightstorickysanchez.com/p/the-sixers-vs-celtics-playoff-rewatchJoin the Bark In The Park team and get the Rebel shirt here: https://secure.qgiv.com/event/bitp26/team/1043142/The Rights To Ricky Sanchez is presented by Draft KingsAnthony Degli Obizzi is the official Financial Planner of The Ricky, text RICKY to 484-471-4873 to set up a conversationBriggs Auction is the official auction of The Ricky at briggsauction.comGet 20% off Verb Energy bars with code RTRS and the VERB starter pack at https://verbenergy.com/rickySurfside Iced Tea and Vodka is the official canned cocktail of The RickyBet with DK Sportsbook: Gambling Problem? Call one eight hundred GAMBLER, one eight hundred MY RESET. Connecticut: call eight eight eight seven eight nine seven seven seven seven, visit CCPG dot org. On behalf of Boot Hill Casino in Kansas. Bet tax pass-through may apply in Illinois. Twenty one plus. Void in Canada. Event contract trading with DraftKings Predictions involves risk of loss. Availability varies. Predictions offer void in New York. Bet to get Bonus bets that expire in seven days. Trade to get Predictions Dollars that expire in one year. Fifty dollars in rewards issued every seven days via click to claim for twenty-one days. One non-withdrawable reward redeemable. Terms at d k n g dot c o slash offer. Limited time offer. Nationwide based on Sportsbook, Predictions, and Free-to-Play Sports Contest availability. Varies by State.

How did a college swimmer and circus acrobat become a financial representative? You're about to find out. Today, we sit down with Tripp Crosthwaite of Lifetime Financial Growth, to talk about his path into financial planning and the habits that can help people build a stronger financial foundation. Tripp's background is anything but traditional. He studied biology at the University of Kentucky, competed as a swimmer, worked in medical device sales in Arkansas, and even spent time performing acrobatics with a circus group. He eventually returned home to Michigan and found a new way to use his problem solving skills by helping people with their finances. Tripp explains the difference between having individual financial advisors and working with a financial planner who sees the full picture. He compares financial professionals to the different people who help maintain a car. One person may handle the tires, another the oil, and another the transmission. In the same way, people may work with insurance professionals, CPAs, attorneys, HR departments, and investment professionals. A financial planner can sit in the middle and help coordinate those relationships. A major focus of the conversation is creating better savings habits. Tripp recommends what he calls “saving by default and spending by decision.” Instead of waiting until the end of the month to save whatever is left, the goal is to make saving an automatic part of the budget. Once that money is set aside, the remaining income can support bills, lifestyle expenses, and the things we enjoy. We also talk about balancing long term goals with living life today. Saving does not mean avoiding every purchase or experience. The goal is to place money into the right buckets so there is room for both future needs and current priorities. Tripp also emphasizes that our ability to earn income may be our most valuable financial asset. A house or investment account may seem like the obvious answer, but those assets still depend heavily on continued cash flow. If an illness or accident prevents someone from working, protecting that income becomes critical. Finally, Tripp explains the relationship between wealth accumulation and wealth distribution. Building wealth requires putting money into the appropriate short term, long term, investment, and cash buckets. Retirement then requires thinking carefully about how those assets are withdrawn. Outside of his financial work, Tripp stays involved with the Royal Oak Chamber through its Ambassador Committee and Young Professional Network. His message throughout the conversation is simple: good financial planning starts with education, strong habits, and better conversations. (00:00) Intro (00:31) Meet Tripp Crosthwaite (00:59) Performing With a Circus Group (03:36) Returning Home to Michigan (04:49) Financial Advisor vs. Financial Planner (06:38) Building Better Financial Habits (08:16) Save by Default, Spend by Decision (10:03) Balancing Saving With Enjoying Life (11:52) Your Most Valuable Financial Asset (13:29) Wealth Accumulation vs. Distribution (14:39) Tripp's Michigan Happy Place (16:32) Royal Oak Chamber Involvement (17:43) How to Contact Tripp Learn more about the Royal Oak Chamber of Commerce: https://www.royaloakchamber.com/Connect with our host:Jon Gay from JAG in Detroit Podcasts - http://www.jagindetroit.com/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Money Talks is hosted by Dr Nancy Lottridge Anderson, President of New Perspectives, Ryder Taff, Managing Partner at New Perspectives, and Meredith DeLaune, Financial Planner at New Perspectives. To email a question to the show, send it to money@mpbonline.org. In this episode, Ryder and Meredith talk about some of the financial lessons found in the book, The Psychology of Money by Morgan Housel. If you enjoy listening to this podcast, please consider contributing to MPB. https://donate.mpbfoundation.org/mspb/podcast. Hosted on Acast. See acast.com/privacy for more information.

A properly designed whole life insurance policy can be a remarkably simple and practical asset; especially and particularly for implementing the Infinite Banking Concept. In this Money Memo, we look at the accessibility, simplicity, and usability of whole life as a financial asset—and why simplicity matters when you're building your own banking system.Learn how whole life insurance, cash value, policy loans, and Infinite Banking can work together to give you greater control and flexibility over your capital.⚔️ LIVE & LEAVE A LASTING LEGACY

The “Henssler Money Talks” hosts turn their attention to the financial advice filling social media feeds. “Finfluencers” can introduce younger investors to valuable concepts like building credit, saving, and opening a Roth IRA, but popularity doesn't necessarily equal expertise. We discuss how to distinguish useful financial education from advice that's oversimplified, self-serving, or potentially risky — and why good financial habits still matter no matter where you get your advice.Original Air Date: August 22, 2026Read the Article: https://www.henssler.com/finfluencers-and-financial-advice-who-should-you-trust 

Send us Fan Mail“Learning without reflection is a waste. Reflection without learning is dangerous.” – ConfuciusIt's the day after the night before, and I'm sitting quietly on my front porch. Join me as I reflect on our 50th Wedding Anniversary 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

Is it better to have multiple life insurance policies for Infinite Banking, or can one properly designed policy be enough? In this installment of Myths, Mysteries & Misconceptions, we examine the common idea that you need multiple whole life insurance policies to successfully implement the Infinite Banking Concept (IBC). We'll look at the role of policy design, cash value, premiums, and the actual principles behind Becoming Your Own Banker as taught by R. Nelson Nash.If you're researching Infinite Banking, multiple policies, whole life insurance, cash value life insurance, Infinite Banking policy design, or becoming your own banker, this episode will help you think more clearly about the question.About This ChannelI help hard-working American families, and business owners understand and implement the Infinite Banking Concept (IBC) exactly as it was conceived and codified by R. Nelson Nash, author of Becoming Your Own Banker.As an Authorized Infinite Banking Concept Practitioner with the Nelson Nash Institute and a licensed insurance agent, my practice is exclusively dedicated to helping clients apply the authentic Infinite Banking Concept using properly designed participating whole life insurance policies from mutual Life Insurance companies.If you're looking for genuine education on Infinite Banking, Becoming Your Own Banker, cash value whole life insurance, private family banking, financial independence, wealth building and preservation, legacy planning, and capitalization, you've come to the right place.

I am excited to introduce Efficient Friday! Each week, in 10 minutes or less,  I want to share a super tactical tip, idea, process, hack, etc with you that you can implement in your business right away!In this episode, we dive into a common misstep advisors make—solving for the wrong problem. Are you actually demand-constrained or supply-constrained?

In this episode of the Banking With Life Podcast, James sits down with his friend Harry to discuss his journey practicing the Infinite Banking Concept® and his desire to stop paying interest to the banks. Harry shares how he and his family have used their policies to finance vehicles, home improvements, a wedding, and other expenses while building greater financial control. 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━━━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.

Money Talks is hosted by Dr Nancy Lottridge Anderson, President of New Perspectives, Ryder Taff, Managing Partner at New Perspectives, and Meredith DeLaune, Financial Planner at New Perspectives. To email a question to the show, send it to money@mpbonline.org. In this episode, dividends are explained and broken down for investors.If you enjoy listening to this podcast, please consider contributing to MPB. https://donate.mpbfoundation.org/mspb/podcast. Hosted on Acast. See acast.com/privacy for more information.

In this episode, we're talking about something that might feel a little uncomfortable for advisors who love spreadsheets, checklists, and action plans—but it may be one of the most important conversations you'll have all year. Libby sits down with author, speaker, and former financial advisor Ellen Rogin to explore what abundance really looks like inside an advisory practice. From the way you think about money to the energy you bring into client meetings, Ellen shares how shifting from scarcity to service transformed her career and helped her build a thriving practice rooted in generosity, gratitude, and genuine connection.In this episode you'll learn: Why abundance isn't just a mindset buzzword—and how it directly impacts referrals, growth, client trust, and business successHow to identify scarcity thinking in your practice (even when you don't realize it's there) and replace it with more empowering beliefsThe role your own money story plays in how you advise clients, lead your team, and make decisions as a business ownerSimple daily habits that can help you create more space, clarity, generosity, and abundance in both your business and personal lifeIf you've ever found yourself chasing the next strategy, comparing yourself to other advisors, or feeling like success is always just out of reach, this episode is your invitation to pause and look inward. Because sometimes the biggest breakthrough isn't another tactic—it's learning how to operate from a place of abundance instead of scarcity. And as Ellen shares, when you focus on helping others win, amazing things tend to happen in return.Connect with Ellen HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Retirement talk tends to fixate on a magic number, but Melissa Joy, CFP®, and fellow financial planner and podcaster Stephanie McCullough argue the real work happens well before and long after that number is reached. In this candid conversation, the two planners compare notes on what they see in their own practices: clients who retire on a fixed rule of thumb only to discover it doesn't flex with real life, retirees who under-spend out of fear even when the plan says they can afford more, and families quietly overwhelmed by aging parents' finances, unspoken inheritances, and adult children who haven't yet launched.Melissa and Stephanie also dig into the myths that shape how people think about retirement long before they get there, from the outdated idea that retirement equals age sixty-five, to the belief that a portfolio should get more conservative simply because a client is getting older. They close with a rapid-fire round covering the most overrated retirement rule of thumb, the most underestimated expense, and what people should and shouldn't be losing sleep over, before reflecting on how their own work with retirees has shaped how they each plan to retire themselves.What You'll LearnWhy the idea that retirement equals age sixty-five is outdated, and how ageism, layoffs, and longer lifespans complicate that mathWhy Melissa and Stephanie now encourage many clients to spend more, not less, in the early years of retirementThe difference between a plan “failing” and a plan needing adjustment, and why that framing mattersWhy the four percent rule and age-based portfolio allocation are two of the most overrated pieces of retirement conventional wisdomThe most underestimated retirement expenses, including Medicare surcharges (IRMAA) and dental careHow to navigate family conversations about aging parents' finances, inheritance, and adult children who still rely on financial supportWhy having a plan for aging in place, or choosing not to, is one of the most overlooked parts of retirement planningWhy even confident self-managed investors need a transition plan for handing off financial management as they ageThe previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

We go deep into the mailbag, with just a LOT of topics, Sixers and otherwise. And we also discuss how the Sixers will handle back to backs. Get Eliza Hardy Jones' dad's book here: https://www.barnesandnoble.com/w/a-mother-for-america-charles-hardy-iii/1150194296?terms=free-shipping The Rights To Ricky Sanchez is presented by Draft KingsAdam Ksebe is the official realtor of The Ricky at 302-864-8643 or https://www.buyindelaware.com/Anthony 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 Rights To Ricky Sanchez listeners go and get engaged.Surfside Iced Tea and Vodka is the official canned cocktail of The Ricky

In this nineteenth installment, we've compiled clips from the Banking With Life Podcast focused on controlling your money. James and his guests discuss the importance of controlling the banking function, putting your money to work, and creating greater financial flexibility through the Infinite Banking Concept®. 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━━━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.

Jaylen Brown did a stream talking about LeBron and being disrespected, Mike recalled one of Doc Rivers' biggest asshole moments as Sixers coach, figuring out which Process Era role player you'd want to add to this team, Weekly Becky's return and Mike's about-face on Jaylen Brown.Get the new Ricky shirts here: https://www.rightstorickysanchez.com/p/new-shirts-push-off-power-and-hes The Rights To Ricky Sanchez is presented by Draft KingsLL Pavorsky Jewelers is where Rights To Ricky Sanchez listeners go and get engaged.Adam Ksebe is the official realtor of The Ricky at 302-864-8643 or https://www.buyindelaware.com/Anthony Degli Obizzi is the official Financial Planner of The Ricky, text RICKY to 484-471-4873 to set up a conversationSurfside Iced Tea and Vodka is the official canned cocktail of The Ricky

Still trying to figure out if the LeBron James thing is real. We talk about LeBron the point guard, what order the starting lineup will be announced, what chance they have to win the title, and Mike has some backup center trade targets. Get the new Ricky shirts here!The Rights To Ricky Sanchez is presented by Draft KingsAnthony 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 Rights To Ricky Sanchez listeners go and get engaged.Become a MortgageCS Ricky VIP at mortgagecs.com/rickySurfside Iced Tea and Vodka is the official canned cocktail of The Ricky