Podcasts about financial planning

Are annuities always a bad deal? Not so fast. In today's episode, Richard Rosso & Jonathan McCarty tackle the myths and misconceptions around annuities. From income guarantees to tax-deferred growth, find out how annuities can actually support your retirement strategy—if used the right way. Jonathan shares his changed life as a new father, and a discussion of investor confirmation bias, who's likely to be the replacement for Jerome Powell, and the Shado Fed, tariffs, inflation, and political bias in investing. Rich and Jonathan address the growing impact of AI on the labor market and the velocity of AI. The concept of annuities and life expectancy: How AI can extend your life. Rich's insight to the Texas State Fair and an intriguing business opportunity; Texas History and good music; spending in retirement with stable-income vs variable-income sources. Why most annuities are sold and not planned for. The job of a financial advisor is to be unbiased; origins of the retirement crisis without pensions. SEG-1: Daddy Duty & Investor Confirmation Bias SEG-2: The Velocity of AI in Financial Planning SEG-3: Retirement Spending w Stable vs Variable Income SEG-4: Why Annuities Get a Bad Rap Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=QvoAQJShFsU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this show: "Iran Struck By U.S.: Markets, Risk, and Rational Investing" https://realinvestmentadvice.com/resources/blog/iran-stuck-by-u-s-markets-risk-and-rational-investing/ "The Dollar's Death Is Greatly Exaggerated" https://realinvestmentadvice.com/resources/blog/the-dollars-death-is-greatly-exaggerated/ "Oil Price Rise, Not Tariffs, Will Cause CPI To Tick Up" https://realinvestmentadvice.com/resources/blog/oil-price-rise-not-tariffs-will-cause-cpi-to-tick-up/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "What Oil Prices Are Saying About the Economy," is here: https://www.youtube.com/watch?v=jiMvWO2ZDX8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Fed's Next Mistake," https://www.youtube.com/watch?v=fZ-J2YfNC5w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #AnnuitiesExplained #RetirementPlanning #InvestSmart #AnnuityEducation #SmartInvesting #MarketVolatility #InvestingAdvice #Money #Investing

In this episode, we're diving deep into the often-overlooked power of workflows and SOPs (Standard Operating Procedures). While the topic may not sound thrilling at first, mastering these tools can completely transform your business—from client experience to team delegation and operational consistency. Whether you're starting from scratch or optimizing what you already have, this episode will walk you through exactly how to create workflows that protect your time and wow your clients. Plus, we've included downloadable templates to make implementation easier than ever.Here's what you'll learn in this episode:What a workflow and SOP actually are—and why they matterThe six essential elements of a great SOP (hint: it's more than just steps!)The most common mistakes advisors make when building workflowsHow to test and refine your SOPs before automatingWhy keeping a non-digital copy of your workflows is critical for long-term successBy the end of this episode, you'll have the clarity and tools to begin creating your onboarding SOP template—a foundational piece that will support every client interaction moving forward. This is where your onboarding process becomes referable, repeatable, and remarkable.Let's get building!

Joseph Faucette is a financial planning student at Liberty University, and he joins the show today to share what inspired him to enter the field. If you're interested in pursuing a career in financial planning, getting involved in student-led initiatives, or understanding what today's aspiring planners are looking for in employers, this episode is for you! Listen in as Joseph shares how he discovered the financial planning major, the coursework he's completed, and how he's grown as a leader through involvement in his program. He also discusses his role in his school's peer financial literacy initiative and how it's shaping his future career. You'll hear what he's looking for in an employer, what excites him most about joining the profession, and more. You can find show notes and more information by clicking here: https://bit.ly/3ZuV6ji

Key highlights include:-Why many advisors wait too long - and how that can cost them.-Common emotional roadblocks and how to overcome them.-The difference between financial readiness and business readiness.-Mistakes sellers make when engaging with buyers.-Why a clear "why" can determine the success of your exit.Whether you're actively considering retirement or just thinking ahead, this episode offers straightforward advice from two experts who have helped hundreds of advisors navigate their next chapter.Reach out to Joe at Joseph@EliteConsultingPartners.com.

Think owning a home will bring surprise expenses that wreck your budget? This episode breaks down exactly what you'll pay—and why it's not as scary as you've heard.Synopsis:In this myth-busting continuation of the 20 Most Frequently Asked Questions, David Sidoni tackles one of the biggest fears holding renters back: hidden costs. From rising property taxes and insurance to repairs and HOAs, David exposes the truth behind these so-called “surprises” and shows how proper planning makes them predictable. If you've been scared off by online horror stories or clickbait headlines, this episode gives you the clarity and confidence to stop renting and start planning. You'll walk away with real numbers, smart strategies, and a clear-eyed understanding of how homeownership costs actually work.Promise Delivered:You'll learn how to predict and plan for every cost of homeownership—so nothing feels “hidden” or unexpected. This episode replaces fear with facts and shows that a well-built budget can make homeownership not only possible, but powerful.Quote:“The taxes and insurance are not surprises—they're scheduled and predictable. And if they go up? They go up in rent too. You're just not paying attention.”Highlights:Why most “hidden” costs are just poorly explained (and how to plan for them)How PITI (Principal, Interest, Taxes, Insurance) gives you a complete budget viewWhy rising property taxes and insurance aren't deal breakersThe renter's blind spot: you're already paying these increases—just for someone else's benefitHow to estimate and plan for HOAs, repairs, and future costs with confidenceWhen fear is valid—and when it's just misinformationThe biggest budgeting mindset shift every buyer needsReferenced Episodes:9 – How Much Money Do I Need To Make To Buy My First Home?75 – Inspection Red Flags, New Tips For 2022 Bidding Wars, And…To Wait, Or Not to Wait?110 – Home Inspections For First-Time Home Buyers162 – How Much Home Can You Afford With Your Salary?174 – How much Income do I need to make to Buy? DETAILS186 – INTERVIEW: Buying a Home with 300K of Student Debt219 – How Much Money Do You Need To Make To Buy A Home - For REALS!220 – Interview With Clarisse - Home Inspections: When And How To Walk Away From The Deal280 – Don't think you can buy a home? - Financial Planning 101322 – Am I Ready to Buy a Home? The 5 Questions You Must Ask339 – Don't Get Pre-Qualified—Get a Plan (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)350 – From ‘Years Away' to Homeowner: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!Visit the Podcast library to check out the rest of this series.

What if the biggest threat to your culture was the language you use?As your firm scales, the way you talk about the people on your team can either create clarity or chaos. In this solo episode, I share a painful but powerful lesson I learned while building Triad Partners—from an underperforming team member we were too afraid to let go, to 100+ A-players aligned to a clear mission.You'll hear the exact mistake we made, why we had to course-correct fast, and how shifting a single word completely transformed how we hire, lead, and hold people accountable.If you're trying to scale your business without sacrificing your team's trust or performance, this episode is for you.3 of the biggest insights from Brad Johnson …#1.) Why “Family” Sends the Wrong MessageCalling your team a “family” feels inclusive, but it clouds expectations. It creates hesitation when tough decisions need to be made and sends mixed signals about what's acceptable. Replacing “family” with “team” gives you the clarity and confidence to lead with consistency.#2.) Families Blur Boundaries but Teams Require ThemIn a family, you show up no matter what, even when standards slip. But in business, that thinking weakens accountability. Teams work best when expectations are clear, responsibilities are defined, and everyone knows what it means to pull their weight.#3.) Belonging Should Be Earned, Not AssumedIn a family, you belong by default. On a team, you earn your spot by aligning with the mission. This mindset shift helps you attract the right people, foster buy-in, and build a culture where everyone's rowing in the same direction.SHOW NOTEShttps://bradleyjohnson.com/122FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations.The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for.Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Download Chris's FREE E-Book on “How To Find Ultra High Net Worth Clients" from https://UHNWC.com/  For over 20 years, Robert Schultz (https://www.robschultzwealth.com/) has dedicated his career to providing financial advice and services to physicians across the country, guiding them from residency through retirement. His passion for working with medical professionals has fostered trusting, long-lasting relationships that evolve with each physician's unique and growing practice. He is a Certified Financial Planner currently connected with Artisan Capital Partners, formerly NWF Advisory.In this episode, Chris and Robert discuss:1. Helping Clients Manage Saving vs. Spending Conflicts2. Growing Your Practice Through Educational Seminars3. Working with Negative Net Worth Clients4. How to Help Your Clients Transition from Debt to WealthLinkedIn: https://www.linkedin.com/in/rob-schultz-cfp%C2%AE-cdfa%C2%AE-9315513a/ Website: https://www.robschultzwealth.com/        https://www.artisancap.com/ Maximize your marketing, close more clients, and amplify your AUM by following us on: Instagram:  https://instagram.com/ultrahighnetworthclients TikTok: https://tiktok.com/ultrahighnetworthclients YouTube: https://www.youtube.com/@uhnwcFacebook: https://www.facebook.com/UHNWCPodcast Twitter: https://twitter.com/uhnwcpodcast iTunes:  https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400Spotify: https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDrWebsite: https://uhnwc.com Work with us: https://famousfounder.com/fa DISCLAIMER: This content is provided by Chris Brodhead for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. 

What if your doctor could also help you plan your financial future? In this episode of Mitlin Money Mindset®, Larry Sprung sits down with Carolyn McClanahan, M.D., CFP®, a physician-turned-financial planner and founder of Life Planning Partners. She shares how her medical background shaped her philosophy around financial planning, why empathy and honesty matter in client relationships, and how understanding aging and cognitive decline leads to better financial outcomes.  Together, they explore how to create meaningful conversations and a values-aligned financial life. Carolyn discusses: How her husband's career change sparked her transition from medicine to financial planning and led to the founding of Life Planning Partners Why financial planning should treat the "whole person," integrating tax, insurance, estate, and cash flow considerations, not just investments How her medical training informs her approach to planning for aging, cognitive decline, and real-life health risks often overlooked in financial discussions The importance of communication, emotional intelligence, and mutual respect in advisor-client relationships, including a firm policy of “no mean people” Why advisors should focus clients on using money for value, purpose, and JOY, rather than aimless accumulation And more! Resources: Mitlin Financial   The JOY and Productivity Journal by Lawrence Sprung  Download Your Free Copy of the Couple's JOYful Money Guide Connect with Larry Sprung:  LinkedIn: Larry Sprung Instagram: Larry Sprung Facebook: Larry Sprung X (Twitter): Larry Sprung Connect with Carolyn McClanahan:  LinkedIn: Carolyn McClanahan X (Twitter): Carolyn McClanahan Facebook: Carolyn McClanahan Website: Life Planning Partners About our Guest: Dr. McClanahan is a physician turned financial planner. In addition to working in her financial planning practice, she speaks regularly on the interplay between health and financial issues, particularly regarding aging, chronic illness, end of life, long term care, health care reform, and health care costs. She serves on the CNBC Financial Advisor Council, Investopedia Financial Advisor Council, and writes for Investopedia, CNBC, and Forbes. She is quoted regularly in publications such as the Washington Post and the New York Times. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site.

Our friend Sean Smith from Denim is back on the show, and today, he shares tons of advice for freight brokers and other industry professionals about what shippers are looking for when choosing freight partners! Tune in to know shippers' sentiments in the current market condition, what brokers should prioritize to enhance service delivery and relationships, the importance of effective billing and clean back office processes, and why financial responsibility is critical to business success!   About Sean Smith Sean Smith, VP of Product at Denim, has spent 10 years building and scaling products in the financial services and logistics industries. While leading Product at Denim, he has pioneered new capabilities for the factoring space including risk automation and pricing.  Sean has also led work on our client dashboard, job management and collaboration that have revolutionized the process and workflow for broker clients looking to save time on back office operations. He excels at combining his passion for technology with the ability to drive impact on a balance sheet.   Connect with Sean Website: https://www.denim.com/  LinkedIn: https://www.linkedin.com/in/smithseanp/  Twitter (X): https://x.com/smithseanp  

About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a dynamic organization focused on aligning financial planning with life goals. With extensive experience in financial advising, Amy has carved a niche for herself by integrating life design with financial strategy. A firm advocate for actionable and personalized financial planning, Amy is deeply involved with Money Quotient, where she assists individuals in bridging their life aspirations with their financial plans. She brings a wealth of knowledge and a unique perspective on retirement planning, promoting a holistic view that encompasses more than just financial stability.Episode Summary:Join Amy Irvine, the visionary CEO of Rooted Planning Group, in this engaging debut of the "Retirement Design" series on Money Roots. This episode lays the groundwork for understanding how life's design intersects with financial planning, particularly as one approaches retirement. By leveraging her expertise and the insights from Money Quotient, Amy guides listeners to view retirement as a life phase that requires thoughtful preparation, far beyond financial readiness. This episode sets out to redefine the traditional perceptions of retirement, encouraging both current retirees and younger listeners to envisage a fulfilling life post-retirement.The podcast episode delves into why planning for retirement needs to extend past monetary considerations. Amy Irvine shares statistics and demographics illustrating the longevity and societal shifts that beckon us to rethink retirement paradigms. One key assertion from Amy is that "life is about events supported by your dollars and cents." This episode of Money Roots is enriched with insights about retirement practice, longevity statistics, and transformative life in retirement. Amy introduces a guide/workbook for personal introspection on retirement, emphasizing the psychological transition into retirement as significantly as the financial aspect. Through her expert lens, Amy implores listeners to design their retirement life proactively, seeing it as a transition, rather than an end.Key Takeaways:Retirement should be designed proactively as a significant life transition, not merely a financial milestone.Life expectancy has increased significantly, influencing the need for a broader retirement strategy that includes social networks and active lifestyles.Practicing retirement in the year preceding actual retirement can aid in adjusting to new routines and discovering fulfilling activities.A higher emphasis on personal development and social connections can enhance life satisfaction more than financial gains alone.Retirement is a continuous design process, and individuals should remain flexible, allowing their plans to evolve and change as needed.Notable Quotes:"Life is about events supported by your dollars and cents.""The older you get, typically the longer your life expectancy is.""It's not just the size of your portfolio but the size of your social network that affects life satisfaction.""Retirement should be thought of as a major life transition deserving thought and preparation in all areas.""You get to design life in retirement...and you know what? It can change."Resources:Rooted Planning GroupMoney QuotientAARP Study: "Baby Boomers Look Forward to Toward Retirement"Stay tuned for more insightful episodes in the "Retirement Design" series on Money Roots, where Amy Irvine will continue to offer practical exercises and thought-provoking insights to design a fulfilling retirement. Don't miss out on the upcoming parts...

In this episode, Taryn and DeAndre dive into their spontaneous trip to Roatan, Honduras, uncovering why this Caribbean island deserves a top spot on your travel list. From snorkeling and diving in crystal-clear waters to relaxing at the Kimpton Grand Roatan, they highlight how to travel luxuriously while still being budget-conscious. The conversation also explores local dining, vibrant nightlife in the West End, and their visit to the Mayan Eden animal sanctuary, emphasizing the importance of responsible tourism.They share practical tips for using points to offset travel costs, relying on eSIMs for hassle-free connectivity, and selecting the right activities to strike a balance between adventure and rest. From reef explorations to spa treatments, the episode offers inspiration for travelers seeking to make the most of a Caribbean getaway. Roatan left a deep impression—and by the end of this episode, it might just end up on your travel bucket list too.Key Highlights:Roatan's appeal: The island combines natural beauty, affordability, and unique experiences.Reward travel: Leveraging points can make luxury travel to Roatan more accessible.Stay experience: The Kimpton Grand Roatan stood out with its excellent service and amenities.Connectivity tip: Saily eSIM provided seamless mobile access during the trip.Diving adventures: Roatan is ideal for both beginner and experienced divers.Local culture: Dining and nightlife in the West End offer an authentic island vibe.Meaningful excursions: Visiting Mayan Eden highlighted the importance of responsible tourism.Stay connected abroad with Saily eSIM. Use Code BOLDLYGO for a 15% discount.Resources:Book a Free 30 minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!BoldlyGo Travel With Points & Miles Facebook GroupInterested in Financial Planning?Truicity Wealth ManagementSome of Our Favorite Tools For Elevating Your Points & Miles Game:Note: Contains affiliate/sponsored linksCard Pointers (Saves the average user $750 per year)Zil Money (For Payroll on Credit Card)Travel FreelyPoint.meFlightConnections.comThrifty Traveler Premium

With the uncertain state of the economy right now, money is on most people's minds. Now is the perfect time to explore why our finances are so much more than “just numbers,” and how intricately emotions and money intertwine.My guest, Aja Evans, is a financial therapist and the author of the new book, Feel Good Finance. After noticing how often people in therapy sessions breeze past their money stresses, she set out to make talking through our financial concerns more commonplace. This one is certain to resonate—Aja's insights left me feeling like I'd just had a cathartic therapy session myself.Identify your financial priorities and values with Aja's expert advice:Why we need to consider our childhoods when thinking about money;How we can talk about money with our kids to set them up for their own financial futures;The hefty, wide-ranging impact of financial trauma (and why we need to address it);How to start figuring out our basic needs and making brave changes to get aligned.Related Links:Learn more about Aja's work - https://ajaevanscounseling.com/Get a copy of “Feel Good Finance” - https://bookshop.org/p/books/feel-good-finance-untangle-your-relationship-with-money-for-better-mental-emotional-and-financial-well-being-aja-evans/21301669Connect with Aja on Instagram - https://www.instagram.com/ajaetherapy/Listen to Hidden Brain, “Rewrite Your Money Story” - https://hiddenbrain.org/podcast/money-2-0-rewrite-your-money-story/TAKE ACTION with Bossed Up - https://www.bossedup.org/takeactionBossed Up Courage Community - https://www.facebook.com/groups/927776673968737/Bossed Up LinkedIn Group - https://www.linkedin.com/groups/7071888/

We're halfway through the year, advisors — and you know what that means. It's time to hit pause, get real about what's working (and what's not), and make sure you're set up to finish strong. In this episode, I'm sharing my favorite mid-year exercise: a SQUAD Analysis, plus a peek at how I do my own CEO Day to reset, reprioritize, and refocus for the second half of the year.Here's what you'll learn in this episode: 1️⃣ How to run your own S.Q.U.A.D Analysis (a fresh spin on SWOT just for advisors) 2️⃣ Which strengths you should scale — and which ones you shouldn't 3️⃣ How to spot the quicksand that's secretly dragging you down 4️⃣ The one-page Direction plan to keep you realistic and focused on what matters 5️⃣ How to pick your top 3 goals for the next quarter (without burning yourself out)No matter where you stand right now — ahead, behind, or coasting — this is your chance to recalibrate and play the rest of the year on purpose. Grab a notebook, your favorite coffee (mushroom for me, please), and let's map out a second half you can feel proud of.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! Learn more about the Group Coaching & Mastermind 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.Check out more FREE resources and our FREE video library at http://www.theefficientadvisor.comLooking for all the resources from this episode? Check out this episode's webpage for show notes, transcripts, downloads and more!

Financial planning is of particular value to those who are approaching retirement age, especially during this time of the uncertainty surrounding policies coming out of Washington.

In this special crossover episode between the AICPA's Tax Section Odyssey and PFP Section podcasts, April Walker is joined by Bob Keebler and Mark Gallegos to break down the fast-moving tax legislation landscape. They walk through key provisions in both the House's “One Big Beautiful Bill Act” and the Senate's proposal, sharing what matters most for client conversations right now. Topics include: Timing and reconciliation process in Congress Section 199A and SALT cap updates PTET deduction differences and planning impact Section 174 R&D expensing changes Bonus depreciation and Section 179 updates Opportunity Zones and energy credits Why now is the “opportunity season” for proactive client outreach This episode is your go-to briefing for what's in motion and how to stay ahead. Tune in to hear what tax advisors need to know — and how to start client conversations before the final bill hits the President's desk. Resource: PFP considerations across 2025 legislative proposals

Send us a text“Time is what we want most but what we use worst.” — William PennEach passing year changes and shortens my horizon, just like it does yours.And that changes how one approaches life. Does one buy a new house at age 73 and consider a 30-year mortgage? Or does someone engage in the opposite behavior, refraining from buying green bananas?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

What if your retirement income never ran out—no matter how long you live? In this episode, Brandon Bowen breaks down how to create protected income streams using Social Security and annuities, and why now might be the best time in 15 years to consider one. With real-life examples and a cookie cake analogy you won’t forget, Brandon explains how to spend confidently, reduce market risk, and build a plan that lasts. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

For many older Americans, love and companionship remain vital—but marriage isn't always the best financial or legal choice. In this episode of Tuesday with Tom, attorney Tom Doyle explains why staying unmarried later in life can help protect your assets, benefits, and family inheritance. Learn the key issues to consider and how proper planning can provide peace of mind.

Retirement doesn't come down to a magic number, it comes down to your number. In this episode, we walk through a simple, personalized framework to help you understand when you can truly retire, based on what you want life to look like, not generic benchmarks.We cover the core question: How much do you want to spend each month? From there, we reverse-engineer your retirement target, factoring in taxes, withdrawal strategies, estate planning, and those big one-time expenses that often get missed.And it's not just about the math. We dive into the emotional side of retirement. It's about how to find purpose, identity, and meaning in this next chapter. Whether retirement feels decades away or just around the corner, this episode will help you stop guessing and start planning with clarity.- Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult your CPA or attorney regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Pensions can provide a valuable source of retirement income, but deciding whether to stick with a job solely for the pension is more complex than it may seem. In this episode of A Wiser Retirement® Podcast, we give a breakdown of the key benefits and trade-offs of relying on a pension, and how to assess whether it's the right move for your financial future.Related Podcast Episodes:- Ep 137: Financial Planning in Your 50s Related YouTube Videos:- How Much is Social Security Reduced if I Have a Pension?- What's the difference between pensions and IRAs?Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

Napa Valley is famous for its wine, but this trip brought something louder than Cabernet—an orange Lamborghini Huracán Performante.

In this episode, we tackle one of the most significant financial decisions tech professionals face: knowing when and how to walk away from a job—whether that's to retire or move to another opportunity—especially when equity compensation is in the mix. We emphasize the mental and financial distinction between retiring permanently and transitioning to a new firm. Retirement means permanently stepping away from income and needing a long-term strategy to generate cashflow from your assets. Switching firms, on the other hand, is temporary unemployment with the potential for new income and equity.We walk through how to determine readiness for either scenario. For retirement, it's essential to assess total wealth, stress test sustainable spending, and build a reliable paycheck from assets. For switching jobs, we need ample cash reserves and liquidity, as job searches are unpredictable in length. Equity compensation plays a central role—particularly what we leave behind. We highlight the importance of reviewing company plan documents to understand if retirement will trigger accelerated vesting or forfeiture of RSUs.When it comes to timing, especially for those with stock options or RSUs, planning ahead is critical. If possible, we want to spread taxable events over multiple years to manage the tax burden more efficiently. We also discuss evaluating whether to hold or sell company stock after departure. The decision hinges on one's financial goals, income flexibility, and risk tolerance. Behavioral aspects come into play too—avoiding regret by making informed, goal-aligned choices and not falling into the “shoulda, coulda, woulda” trap.Taxes are unavoidable, but they can be managed with proper planning, especially when dealing with capital gains, ordinary income, and potential AMT from equity compensation. We stress the importance of integrating equity compensation into a long-term financial plan, using it to meet both short-term liquidity needs and long-term diversification goals.Company-specific events like IPOs, mergers, layoffs, or vesting schedules can all influence the decision to leave. Evaluating those triggers through the lens of your goals helps in deciding whether to act now or wait. Lastly, we return to the value of working with a financial planner and the need for intentionality. Walking away—whether to retire or transition—is rarely simple, and it's okay to find the decision hard. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

Dr. Wilner would love your feedback! Click here to send a text! Thanks!Many thanks to Justin Nabity, CFP, for joining me on this episode of The Art of Medicine with Dr. Andrew Wilner! Justin is a Founder and Partner of Physicians Thrive, a wealth planning and financial management service for doctors. Justin explained that optimizing the physician's work contract is the first step in successful financial planning. Physicians Thrive has access to over 100 advisors, attorneys, and negotiating specialists to ensure that physicians receive appropriate compensation, whether employed or self-employed. Next is a financial plan that for many people will include estate planning, a will, an emergency fund, power of attorney, disability, and life insurance options. Once physicians establish these basics, they can consider alternative investments, such as commercial real estate. One step to financial independence is to graduate from trading "time for money," the traditional physician model, to other types of income that pay passively. Justin recommended the book, "Rich Dad, Poor Dad," as required reading for those interested in establishing financial independence. During our 50-minute interview, Justin outlined the steps to become an "accredited investor," which provides access to alternative investments. These high-value real estate investments, such as apartment complexes, are not liquid investments. Investment in residential properties is another alternative, but it tends to have lower yields than commercial properties.  Justin defines "hurdle rate" and provides more insights into commercial property investment. He also explains "opportunity zones." Justin emphasized that physicians should support pending legislation HR10073, which would reverse Medicare reimbursement cuts. Physicians should reach out to their representatives in Congress and underscore the importance of this bill. To learn more, please contact Justin Nabity, please check out the website:https://physiciansthrive.com/ or Email: Please click "Fanmail" and share your feedback!If you enjoy an episode, please share with friends and colleagues. "The Art of Medicine with Dr. Andrew Wilner" is now available on Alexa! Just say, "Play podcast The Art of Medicine with Dr. Andrew Wilner!" To never miss a program, subscribe at www.andrewwilner.com. You'll learn about new episodes and other interesting programs I host on Medscape.com, ReachMD.com, and RadioMD.com. Please rate and review each episode. To contact Dr. Wilner or to join the mailing list: www.andrewwilner.com Finally, this production has been made possible in part by support from “The Art of Medicine's” wonderful sponsor, Locumstory.com, a resource where providers can get real, unbiased answers about locum tenens. If you are interested in locum tenens, or considering a new full-time position, please go to Locumstory.com. Or paste this link into your browser: https://locumstory.com/?source=DSP_directbuy_drwilnerpodcast_ph...

Health insurance is a major decision and a growing trend is reshaping how some employers provide it. Enter the ICHRA, or Individual Coverage Health Reimbursement Arrangement. What is an ICHRA, why are companies offering them, and how can you know if it's a smart decision for you and your family? We're joined by health insurance advisor Corey Johnson to break it down and help you make a wise choice.  Season 10, Episode 44 Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/58wi3rgOfUg  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

On this episode: Moving on from the scarring of the 2008 financial crisis. Where is your comfort zone with cash, and what should that account be used for? Retirement laws are constantly changing. How do you stay ahead? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

In this conversation, John Harcar interviews Ken Pitts, a seasoned mortgage professional, about reverse mortgages. Ken shares his extensive background in real estate and lending, discussing the evolution of the mortgage industry and the common misconceptions surrounding reverse mortgages. He emphasizes the importance of understanding the product and having a solid plan for its use, especially for seniors looking to tap into their home equity for retirement. The discussion also touches on regulatory changes that have made reverse mortgages safer and more beneficial for homeowners. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In what is the longest “Quick Hits” episode ever, DeAndre Coke shares key updates from the travel rewards world and a major shift for the podcast: joining the Voyascape network, a dedicated hub for top-tier travel podcasts. He dives into urgent news, including a once-in-a-lifetime Amex points transfer loophole that's about to end, and a long-awaited Chase feature that now lets you transfer credit lines online. DeAndre also explores tech innovations, such as the TSA's expanding support for digital IDs, changes in Hilton's loyalty program (farewell to late checkout), and new Hyatt promotions that could be worth a booking—listener questions about flight booking strategies round out this information-packed episode.If you're looking to maximize your cards, eyeing your next redemption, or just keeping up with the latest changes, this week's episode is packed with updates that savvy travelers won't want to miss.Key takeaways: Big news: The podcast is now part of the Voyascape network, bringing travel-focused sponsorships and broader reach.Sapphire Refresh: All of the new updates to the Sapphire Reserve and Business Sapphire Reserve credit cardsAmex points loophole: A rare transfer window is closing soon — take action before it vanishes.Chase update: You can now transfer credit lines between Chase cards online — no phone call required.TSA innovation: More airports are supporting digital IDs for faster, app-based security checks.Hilton changes: Late checkout has been removed as a benefit — a significant downgrade for loyalists.Hyatt Promotion: Earn Bonus Points for Eligible Stays Through September.New Aruba resort: Hyatt's Secrets Baby Beach has officially opened — adult-only and all-inclusive.Flight booking tips: Early and last-minute bookings tend to yield the best award space.Community engagement: Listener questions and feedback are always welcome and shape future episodes.Resources:Hyatt Bonus Points PromotionAct now - Protect your points!Book a Free 30-minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!BoldlyGo Travel With Points & Miles Facebook GroupInterested in Financial Planning?Truicity Wealth ManagementSome of Our Favorite Tools For Elevating Your Points & Miles Game:Note: Contains affiliate/sponsored linksCard Pointers (Saves the average user $750 per year)Zil Money (For Payroll on Credit Card)

Send us a textWhat if you suddenly had to manage all your finances alone? Would you be ready?In this episode of Women and Money: The Shit We Don't Talk About, we talk with Samantha Hart, Director of Marketing Content Strategy at North American Company for Life and Health Insurance. Originally from Cape Town, South Africa, Sam spent 20 years in media and publishing before joining North American, where she leads a team focused on spreading awareness about annuities and financial opportunities.Sam brings a fresh, passionate perspective on the realities women face with money—especially around retirement and the looming Great Wealth Transfer. She opens up about her family's journey through divorce and how witnessing her mother's sudden financial vulnerability sparked her commitment to financial literacy. We cover why women need to be proactive, the gaps in retirement confidence, and the power of good guidance.This episode explores how the upcoming wealth transfer isn't just about inheritance—it's about women taking control of trillions in assets by 2030. Whether you're married, single, or somewhere in between, Sam's story will inspire you to face your finances head-on—because knowledge is power, and preparation is peace of mind.Episode Highlights:00:00 The Financial Industry's Disservice to Women 03:03 Introducing Sam and Her Work 08:00 Sam's Personal Financial Journey 16:24 The Great Wealth Transfer 20:12 The Emotional Side of Financial Planning 20:37 Women and Retirement: Key Findings 22:45 Challenges Women Face in Retirement 28:04 The Importance of Advisors 32:14 Taking Control of Your Future 36:49 Debunking Financial Myths 39:23 Defining Financial FreedomReady to plan for what's ahead? Join us June 26 for Money Talks, where we'll dig deeper into why retirement planning is urgent for women—and how to create a future that's truly yours. Click here to register for FREE—and bring your questions!Got a unique financial story? Whether you've crushed debt, built wealth, or had a money moment that changed your life, we want to hear it. Are you a professional helping women with money? Your experience could inspire others. Share your story here.Follow & Connect with Samantha: Website | LinkedInConnect with us! Facebook Page Facebook group Instagram TikTok LinkedIn YouTube Resources Have questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here! Explore our free guides to help you on your financial journey

Key Highlights:-How long it really takes to prepare and execute a successful move.-What you can - and can't - say to clients during a transition.-The emotional cost of waiting too long to leave.-Why your assistant should be part of the due diligence process.-Using the transition conversation to grow your book of business.-Legal tips for navigating non-protocol firms.-The value of having a transition project manager on your team.Whether you're planning a move next month or just starting to consider your options, this episode provides actionable insights and firsthand advice from industry veterans who have seen it all.Ready to talk? Reach out to Stacey at Stacey@EliteConsultingPartners.com.

What if you could unlock the secrets to a healthier relationship with money?   Melissa Hoyer is a certified financial planner and a life & wealth coach. We had a fantastic conversation about money mindset, wealth coaching, and the fascinating concept of money archetypes.   Discover how understanding your money archetype can help you break free from self-sabotaging beliefs and adopt a healthier mindset around investing in yourself and your business.   Melissa shares practical strategies for overcoming common money blocks and emphasizes the importance of creating from a place of joy rather than hustle.   Don't let your beliefs about money hold you back. If you're ready to shift from a scarcity mindset to one of abundance, this episode is for you!   Connect with Melissa: Website: https://www.wayintowealth.com/  LinkedIn: http://linkedin.com/in/melissahoyer    ✨ Join my Mompreneur Glow Up email list. It's your go-to source for all things life, leadHERship, and mindset.  

In this conversation, Dylan Silver interviews Peter Fisher, a seasoned financial advisor and co-founder of Sequent Real Estate and Wealth Management. They discuss the integration of real estate into investment portfolios, focusing on strategies for retirement income through passive real estate investments. Peter explains the benefits of Delaware Statutory Trusts and REITs, the importance of networking and mentorship in the real estate industry, and offers advice for new graduates looking to enter the field. The conversation emphasizes the transition from active to passive investment strategies and the significance of building relationships in raising capital for real estate ventures.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Jordan explores a unique, 12-month new client onboarding process with Thomas Meek, Director of Operations and Financial Planning at PandoWealth, an RIA that works exclusively with Chick-Fil-A franchise owners and corporate employees. During this conversation we discuss a three meeting onboarding process, a detailed description of a 12-month onboarding engagement, and why PandoWealth does a full relationship refresh every 5 years with their clients.

In this episode of FP&A Tomorrow, host Paul Barnhurst sits down with John Sanchez, an expert in Financial Planning & Analysis (FP&A) with over 20 years of experience. John, now the managing director of FP&A Group, discusses his journey from accounting to FP&A, the importance of effective communication in finance, and why understanding the business is crucial to delivering great financial analysis. The episode delves into how FP&A professionals can elevate their work beyond spreadsheets by getting involved with business partners and focusing on the bigger picture.John Sanchez brings over 20 years of experience in FP&A and corporate finance. He has worked with world-class organizations such as Royal Caribbean Cruises and AutoNation, and now trains finance professionals through his consulting firm, FP&A Group. With a background in accounting and M&A, John brings a wealth of knowledge and practical insights to FP&A, including the importance of business acumen and communication skills for financial professionals.Expect to Learn:How great FP&A professionals go beyond Excel to understand the business.The importance of business acumen in making impactful financial decisions.Why communication, especially listening, is crucial in FP&A.Insights on John's career journey from accounting to FP&A.Practical tips for improving communication and networking in finance.Here are a few quotes from the episode:"Great FP&A is about getting out of your chair, away from Excel, and interacting with your business partners to understand how the business really works." - John Sanchez"Communication is everything in FP&A. If you're not a good listener, you're going to miss a lot." - John Sanchez"If you're just good at Excel, you'll always be an Excel monkey. You need to understand the business to truly add value." - John SanchezJohn shares valuable insights, real stories, and practical advice for anyone in FP&A. If you want to level up in finance or just learn from someone who's been there, this episode is for you. He shares what's worked, what hasn't, and the key lessons he's learned along the way.Corporate Finance Institute: Master real-world finance skills with CFI's FMVA program to learn financial modeling, valuations, and strategic insights top finance teams use. Get 30% off any plan and take the next step in your career. Explore now at https://corporatefinanceinstitute.com/pricing-FP&A guy/?utm_source=FP&A guy&utm_medium=organic&utm_campaign=podcast_adsFollow FP&A Tomorrow:Newsletter - Subscribe on LinkedIn - https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6957679529595162624 Follow John:LinkedIn: https://www.linkedin.com/in/fpajohn/ Website: https://thefpagroup.com/ YouTube: https://www.youtube.com/@FPAFastTrack Follow Paul: Website - https://www.theFP&Aguy.com LinkedIn -

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Enjoy this rewind of a popular episode! In Part 3 of a 3 part series, Evon dives into the many financial planning considerations optometrists need to think about when you own a more established, mature private optometry practice - both inside the business and in the household.A few of the planning topics practice owners should think about are:Maintaining your vision for the ideal practice and ownership lifeBuilding guardrails around your practice based on your ideal lifestyleCreate a separation between your practice and personal financesCreate a framework for deciding how to best use the cash flow your practice createsGetting the most from your practice retirement plansPlanning for financial independence and retirementBalancing the growth of different parts of your net worth over timeRisk management, contingency planning in the practice, and estate planningKeep an eye on the other financial goals in your life outside the practiceKeeping in close contact with your professionals. Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:Refractional CFO - Jackson Pace, CPASimple Numbers, Straight Talk, Big Profits! by Greg Crabtree and Beverly Blair HarzogRelated Episodes:The Optometry Money Podcast Ep 64: How to Invest Six Digits A Year Into Your Practice Retirement Plans with Matt RuttenbergThe Optometry Money Podcast Ep 68: Financial Planning Considerations When Preparing for Practice OwnershipThe Optometry Money Podcast Ep 69: Financial Planning Considerations for the Early Years of Practice OwnershipStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFPThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

People love do-it-yourself projects. There's even a DIY Network where you can watch shows about home renovation, landscaping, or interior design…and how to do those things without professional help. Let's talk about the DIY mentality in retirement planning… Contact Information: Website: http://www.ruggierifinancial.com/ Phone: 888-823-7526

As a financial advisor, you're taught to ask, “When do you want to retire?” But what if that question is pointing clients toward a goal they don't actually want?In this episode, I'm talking with Derek Coburn—longtime advisor and author of Let's Retire Retirement—to talk about how changing that one question can completely shift the way you serve your clients.Derek makes a strong case that instead of chasing some number or arbitrary retirement date, we should be asking: Do you even want to retire? And what are you putting off today for a future that might not play out the way you imagine?He shares why helping clients stay engaged in purposeful work—even part-time—can reduce financial pressure, increase fulfillment, and create more space for what matters most right now.Great advising isn't about getting clients to the end, it's about making the in-between years count.3 of the biggest insights from Derek Coburn …#1.) Why “Un-Retirement” Is on the RiseRoughly 25–30% of retirees are returning to work. Not because they need the money, but because they miss purpose, connection, and contribution. Derek explains why it's time for advisors to stop assuming retirement is the goal and start asking if it's even the right fit.#2.) The Time Machine Effect: Would You Pay to Go Back in Time?Derek shares a powerful thought experiment: how much would you pay to go back in time for just one more night with your kid at age 10? It's a reminder that time, not money, is our most valuable asset. As advisors, helping clients reframe retirement isn't just a financial strategy, it's a chance to give them more life in their years right now.#3.) How to Attract Clients You Actually Want to Work WithIf you're taking on clients just to hit a number, it's only a matter of time before your calendar is filled with people who drain you. Derek shares how he shifted from goal-chasing to values-aligned client growth—and why that mindset leads to both fulfillment and better results.SHOW NOTEShttps://bradleyjohnson.com/121FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: Get a copy of Derek's book, "Let's Retire Retirement" [while supplies last]To get access to today's free gift AND become a DBDL Insider with VIP access to future resources and exclusive content, text "121" to 785-800-3235. *Message and data rates may apply. Reply STOP at any time to opt-out of receiving text messages.FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations.The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for.Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP06254535327See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Your business is growing—but is your personal wealth strategy keeping up?In this episode, I sit down with Mark Cecchini, a wealth advisor who works with high-growth founders, to break down what it really means to build a personal capital stack.

Jesse explores the value of financial priorities and the balance between spending and saving with guests Diania Merriam, Justin Peters, Bill Yount, Jeremy Schneider, Doc G, and Joe Saul-Sehy. Diania highlights the “iceberg principle” of stealth wealth—how true wealth is often what you don't see, like deferred purchases and unspent money. Justin shares a personal story about the cost and memories of boat ownership, emphasizing the lesson to buy utility and rent luxury. Bill discusses the different seasons of life in relation to frugality and spending, while Jeremy reflects on ingrained money habits persisting despite sudden wealth. Doc G and Joe Saul-Sehy add their unique perspectives on personal finance and the emotional relationship with money. Together, they unpack how financial decisions shape our lives, the importance of aligning spending with values, and the lessons learned from both scrimping and splurging. Key Takeaways: • Financial freedom doesn't always come with a clear sense of how to enjoy money meaningfully. • Renting luxury experiences can be more satisfying and economical than owning them. • Time, health, and family often become more valuable than money as people grow older. • Community and shared experiences often bring more satisfaction than expensive possessions. Lifestyle upgrades need to be aligned with personal values to feel meaningful. • Former spendthrifts can struggle just as much with letting go of financial vigilance. • Understanding your money story is key to shifting your habits and mindset with intention. Even the financially savvy can be blindsided by lifestyle creep and emotional spending. Key Timestamps: (00:00) – Scar Tissue: Financial Lessons from the Past (13:59) – The Mini Bar Mishap (20:11) –  The $500 Parking Ticket (23:56) – Balancing Financial Optimization and Enjoying Life (24:29) – Time vs. Money: Changing Priorities (25:50) – Keeping Up with the Joneses: A Personal Story (30:59) – The Perils of Consumerism and Stealth Wealth (44:12) – Rent Your Luxury and Buy Utility (45:20) – Frugality Habits: From Broke to Millionaire 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 Bill Yount:  Website: https://catchinguptofi.com/ LinkedIn: https://www.linkedin.com/in/bill-yount-a8033036/  Diania Merriam: Website: https://economeconference.com/about/ LinkedIn: https://www.linkedin.com/in/dianiamerriam/  Justin Peters:  Website: https://podcasts.apple.com/us/podcast/fi-minded-achieve-financial-independence-have-fun-doing-it/id1496701179 LinkedIn: https://www.linkedin.com/in/justinleepeters/  Jordan (Doc G) Grumet:  Website: https://jordangrumet.com/ LinkedIn: https://www.linkedin.com/in/jordan-grumet-38a506179/  Joe Saul-Sehy:  Website: https://www.stackingbenjamins.com/ LinkedIn: https://www.linkedin.com/in/joe-saul-sehy-b3426b31/  Jeremy Schneider: Website: https://www.personalfinanceclub.com/ LinkedIn: https://www.linkedin.com/in/jerschneid/  More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog 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.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares a cautionary tale about the hidden costs of do-it-yourself investing. With relatable personal stories and real client experiences, Darryl explores the traps that DIY investors often fall into - missed opportunities, tax missteps, and emotionally driven decisions - and explains why having a trusted advisor can make all the difference. Whether you're confident in your own financial abilities or know someone who insists on doing it alone, this episode offers a practical, grounded look at why experience, emotional discipline, and guidance matter when navigating your financial future. Show highlights include: What happened when a client chose DIY over working with an advisor. Three qualities a successful DIY investor must have. Common (and costly) DIY mistakes Darryl has seen firsthand. Why advisors act more like copilots and river guides than stock-pickers. A powerful reminder about the role of compounding and proper strategy at any age. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!

The massive costs of caregiving can be a big surprise to most people. It is an expensive undertaking in the best of circumstances and can be a full time job. BETH PINSKER, a columnist at Marketwatch and the author of the new book, "My Mother's Money- A Finanical Guide to Caregiving" takes us through her experience. There are many great tips to help get support for this difficult experience. https://youtu.be/WNYLOR_Pvw8?si=8dS2LPG3vfe1FWIX https://www.amazon.com/My-Mothers-Money-Financial-Caregiving-ebook/dp/B0DW3RLJSF/ https://open.spotify.com/episode/120pb9198YPecMzPir7RyC?si=mqlnY7XmRA-gtRzfJemq_w Outline 00:00 Introduction to Caregiving and Aging 02:15 The Importance of Planning Ahead 08:28 Navigating Legal and Financial Caregiving 10:33 Understanding the Emotional and Physical Toll 14:29 Making Informed Decisions for Loved Ones 19:40 Financial Planning for End-of-Life Care 25:28 Essential Documents and Digital Access Transcript Introduction to Caregiving and Aging Frazer Rice (00:04)This is a real treat for me in the sense that I have had personal experience around this. Your book, which we'll get into in just a second, is going to be coming out in November. I think it's going to be an important resource for pretty much anyone who has ⁓ any exposure to aging or anything like that or any sort of caregiving. Give us a little bit of a sense of the timing of the book first and we'll get that out of the way, far away. Beth Pinsker (00:35)Great, you know what, we're all in this together and nobody's gonna escape any of this. You will either need to care for somebody or you're gonna need to be cared for yourself at some point in time. Like it's inescapable. you ⁓ know, we're all, we all need this information. The reason I put it together was because I couldn't find it out there when I went looking for it. When my mom got sick, there wasn't a resource that told me how to deal with the things that I had to deal with. Being a CFP and being a retirement columnist and a journalist, I got the caregiving information. Then I wanted to put it out there for other people to benefit from it so they could plan a little bit better or get through whatever they were stuck in the middle of. I pulled together a bunch of columns I had written and brought in them out. I interviewed a lot of people, like almost 100 people, especially for this book. Over the years as a journalist, I've interviewed probably, you a thousand people about, you know, planning and estate planning and all of that stuff that goes into it. This book is coming out November 4th from a Penguin Random House imprint. You can pre-order it on bethpinsker.com or through the publishers portal. Hopefully you'll see it everywhere and every bookstore you go to. Frazer Rice (01:51)One of the concepts of the book that I think is vital is that it's important to have these steps. This caregiving analysis, this process established while everyone is at least a little bit on the top of their game. That you're not making decisions under maximum stress, either emotional, financial or otherwise. Maybe take us through a little bit about how you came to that realization and how you articulated that. The Importance of Planning Ahead for Caregiving Beth Pinsker (02:06) Yeah, so I got a call from my mom ⁓ one day. You know, she's perfectly fine, 76 year old, and she's like, I'm gonna have surgery. It's gonna be a big one. I'm gonna get my back operated on so that I can continue to walk. She really wanted to be able to walk and she was losing her abilities. The thing we need, we needed two things. We needed a power of attorney for ⁓ financial needs and a healthcare proxy because she was going to be incapacitated for a certain amount of time. We didn't know how much and we needed those documents. If we would not have had those documents, my life would have been an utter disaster. It was already really hard with those documents,...

 More on dividend growth investing  -> Join our market newsletter! The argument has long been made that venturing beyond America's borders will offer investors higher yields. Many foreign companies do pay attractive dividends, but they lack consistency and predictable growth—factors that have kept us from investing overseas. But in this episode, we break the mold and head to the vineyards of France. Greg explores the under-the-radar story of Rémy Cointreau ($REMYY), the cognac maker behind the iconic Rémy Martin brand. What makes this story remarkable isn't just the 3% dividend yield or the potential for earnings to normalize. It's the value hiding in plain sight: aging inventory that becomes more valuable with time. With a wide moat and one of the most unique inventory structures we've seen, Rémy stands out as a compelling value play with rare downside protection. Markets are mostly efficient—but every now and then, a story slips through the cracks.  Topics Covered:01:46 Exploring Foreign Dividend Opportunities 02:40 Discovering Remy: A Value Play 03:31 A First Look at Rémy's Dividend and Valuation 06:01 Performance History and the Power of Modest Growth 08:11 Understanding the Cognac Market 11:29 How Cognac Is Made and Why It Matters 16:07 What Is Wrong with Remy? 18:38 Cash Flow, EBIT History, and Financial Strength 22:28 The Inventory Advantage 25:18 Future Growth Potential and Valuation Scenarios 27:49 Three Catalysts for Re-Rating 33:32 Final Thoughts and Takeaways Send us a textSchedule a meeting with us -> Financial Planning & Portfolio Management If you submit a question to us and we use it in an episode, we will send you an official The Dividend Mailbox Yeti® Tumbler -> Email us at ethan@growmydollar.com.Notes & Resources:DCM Investment Reports & ModelsVisit our website to learn more about our investment strategy and wealth management services.Follow us on:Instagram - Facebook - LinkedIn - XIf you enjoy the show, we'd greatly appreciate it if you subscribe and leave a review

In this episode of Revolutionizing Your Journey, host DeAndre Coke sits down with Dr. Kevin Lin, a board-certified sleep surgeon and avid traveler, to unpack the complexities of jet lag and how to travel more comfortably. They explore what happens to your body's circadian rhythm during long-haul travel, why traveling east hits harder than going west, and how each traveler's response to jet lag can differ. Dr. Lin shares expert advice on using melatonin, timing meals, and adjusting sleep schedules before departure. The episode delves into the role of technology, including apps like TimeShifter and light therapy, in helping to regulate your body clock across time zones. Practical tips for hydration, smart napping, and managing alcohol consumption on flights are discussed, along with strategies for athletes and frequent flyers to optimize sleep and performance. If you're trying to stay sharp for a business meeting or energized for vacation, this episode offers science-backed strategies to help you show up rested and ready.Key Highlights:Dr. Kevin Lin's background: A sleep surgeon with a passion for travel and optimizing rest.Understanding jet lag: It's a misalignment of your circadian rhythm due to time zone shifts.East vs. West: Traveling east often causes worse jet lag because it shortens the body's day.Personalized reactions: Jet lag affects people differently—preparation is key.Smart prep: Begin shifting your schedule a few days before travel.Melatonin insights: Best taken 3–4 hours before target bedtime in small doses.Meal timing: Adjust your eating schedule to match the destination's schedule to help synchronize your internal clock.Sunlight exposure: Morning light helps reset your body faster upon arrival.Light therapy tools: Helpful for managing long-haul jet lag when natural light isn't an option.Napping strategy: Keep naps short (20–30 minutes) to avoid feeling groggy or experiencing sleep disruption.Sleep trackers: Can help build awareness, but shouldn't be the sole metric of sleep quality.Tips for frequent travelers & athletes: Consistency, nutrition, and hydration are essential for high performance.Resources:Book a Free 30 minute points & miles consultationStart here to learn how to unlock nearly free travelSign up for our newsletter!This month's best current card offersBoldlyGo Travel With Points & Miles Facebook GroupInterested in Financial Planning?Truicity Wealth ManagementSome of Our Favorite Tools For Elevating Your Points & Miles Game:Note: Contains affiliate/sponsored linksCard Pointers (Saves the average user $750 per year)Zil Money (For Payroll on...

In this interview, Kevin Whelan and Manish Kataria delve into the intricacies of SSAS pension, exploring how it can serve as a powerful financial tool for business owners. They discuss the importance of taking action in financial planning, the benefits of collaboration in wealth building, and the implications of inheritance tax on financial strategies. The conversation emphasises the need for financial education and the potential of SSAS pensions to create wealth now, rather than just serving as a retirement fund. In this episode, Kevin speaks about the importance of recurring income, effective financial planning, and the significance of protecting wealth through wills and insurance.  Key Takeaways:Momentum is Better than Meditation: Don't wait for the perfect time—take small actions now to build confidence and results.Nobody Will Ever Care About Your Money More Than You: Taking personal responsibility is at the heart of successful wealth-building.SSAS Pensions Offer Unique Control and Flexibility: Ideal for business owners looking to invest in property, business, or even lend to their own company.Keep It Simple: Simplicity in your finances and investment strategy often leads to better results than chasing complexity.Plan for Both Wealth Creation and Protection: Wills, powers of attorney, and insurance are essential tools for safeguarding your family's future.Focus on Recurring Income: Building assets that pay you every month is the key to long-term financial independence. Resources Mentioned In This Episode:Manish Kataria (LinkedIn)Government Pension Tracing Service (for lost pensions)Connect with WealthBuildersListen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform.