Podcasts about financial planning

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss Trump Accounts with Taylor Wolverton, our Director of Financial Planning and Tax Strategy, breaking down exactly how do Trump Accounts work, who qualifies, and why this new option for Trump Investments is quickly becoming part of the conversation around saving for children and investing for grandchildren. Retirement planning has always started with the accounts you already know, but these works differently, and if you're building a family financial planning strategy or looking for financial gifts for grandchildren, it's worth understanding before you decide whether it belongs in your plan.Listen in to learn about the eligibility rules, the contribution limits, and the one-time $1,000 government deposit that applies to certain children. Radon and Murs also walk through a Roth conversion strategy hiding inside these accounts, one that turns a simple child investment plan into a genuine tool for building generational wealth. Whether you're deep into your own retirement tax planning or just starting to think about a retirement checklist for your family, this episode connects a brand-new account to the same retirement tax strategies you may already be using in your own retirement financial plan.In this episode, find out:What a Trump Account is, who's eligible, and how the application process actually worksThe contribution rules, including the $5,000 annual limit and the one-time $1,000 seed deposit for eligible childrenHow employer contributions work and why they don't add to your taxable incomeThe Roth conversion strategy that can turn contributions into a tax-free retirement account for your childWhen money can be withdrawn, and the penalties to know about before that ageTweetable Quotes:"There's zero money to us in setting up a Trump account. We just wanted to talk it through, because there are real benefits people can take advantage of." - Radon Stancil"There's not many ways you can get a thousand dollars tax-free. If someone was born between 2025 and 2028, it seems like a no-brainer." - Murs TariqResources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

Ryan Hawk arrived at Miami University the day after high school graduation, with a plan to earn the starting quarterback job and make it to the NFL. Two years later, a 6'5" kid from somewhere in Ohio showed up and took the job away from him. That kid turned out to be Ben Roethlisberger. What Ryan did with that moment became the entire foundation of The Learning Leader podcast, one of the most respected leadership shows in the country, and his new book The Price of Becoming. He joins Joe and OG to talk about the habits, frameworks, and daily actions that compound into something exceptional -- and what to do when the plan doesn't survive contact with reality.What You'll Walk Away WithCoach Hepp's three-sentence leadership philosophy that Ryan has never forgotten: have a plan, work the plan, and plan for the unexpectedWhy being told "he gives us a better chance to win than you do" was the most valuable coaching Ryan ever received -- and what it teaches about adding value versus wanting creditThe imitate-then-innovate framework: why The Beatles were a cover band first, why Wayne Gretzky took handwritten notes watching players smaller than himself, and why copying the greats isn't theft -- it's the fastest path to finding your own voiceRyan's first draft pick for becoming exceptional: a five-to-ten minute nightly prompt exercise built around one Charlie Munger question that compounds like a great investmentWhy truth tellers -- people willing to look you in the eye and tell you what you need to hear rather than what you want to hear -- are the most underrated asset in any high performer's lifeThe superpower Ryan has found in every great leader he's interviewed across 11 years and hundreds of conversations: deep, specific curiosity -- and why it's the ultimate form of showing loveSweat more than you watch other people sweat: Scott Galloway's physical discipline framework applied to every area of lifeThe Brock Purdy late-round pick: why bringing a notebook to every meeting -- something almost no intern or young employee does -- is the single easiest way to stand out and learn fasterThe boomerang kids debate: why nearly half of Americans under 30 now live with a parent, when OG thinks it's a great idea, when he thinks you suck, and why it only works if there's a real plan with a real end dateJames from the community: how retiring at 52 let him become his daughter's bank in a hot real estate market -- loan document, market rate, free labor but zero say in the houseWhy This Matters NowThe gap between people who become exceptional and people who almost do isn't talent -- it's the daily actions they're willing to stack. This episode is the practical blueprint for what those actions actually look like.From the BasementRyan Hawk joins Joe and OG to talk about getting benched, the imitate-then-innovate path from cover band to original voice, and the five draft picks that build a great life -- including one that Joe immediately connects to hiding money from himself. The Wall Street Journal's piece on boomerang kids gives OG a platform to explain exactly when it's smart, when it's lazy, and why his kids should not take this as an invitation. Doug arrives with Cleveland trivia and the story of how a newspaper's cheap typesetting permanently changed the name of a major American city. James from the community sends a letter that makes OG quietly admit he was wrong about the appraisal.Resources MentionedThe Price of Becoming: The Compounding Practices of High Performance by Ryan Hawk -- available wherever books are soldThe Learning Leader podcast -- Ryan Hawk; available wherever you listen to podcasts; learningleader.comSteal Like an Artist by Austin Kleon -- referenced for the imitate-then-innovate frameworkSet for Life by Scott Trench -- referenced for Joe's kids; biggerpockets.comBroke Millennial by Erin Lowry -- referenced for Joe's kids; brokemillennial.comWall Street Journal -- "Living With Your Parents Is No Longer Viewed as a Failure to Launch" by Rebecca Picciotto and Nicholas G. MillerStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How do you know when it's worth optimizing your retirement plan and when it's better to keep things simple? This week, Roger answers a listener question by exploring Aristotle's concept of the "golden mean," arguing that the best retirement decisions are rarely found at either extreme. He explains why financial optimization should be measured by the life it enables rather than the dollars it saves and introduces the OODA Loop (Observe, Orient, Decide, Act) as a practical framework for evaluating trade-offs. Roger also answers listener questions about stepped-up cost basis after the death of a spouse, whether dividends can be used to fund an income floor, and when bonds versus CDs make sense in today's interest rate environment.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces today's discussion on balancing financial optimization with simplicity, previews upcoming episodes, and shares updates on the August replay schedule and September Social Security series.RETIREMENT TOOLKIT(02:31) Finding your "golden mean" between optimizing your retirement plan and keeping it simpleWhy retirement planning often overemphasizes financial optimizationThe difference between optimizing for money and optimizing for lifeHow Aristotle's concept of the golden mean applies to retirement decisionsUsing the OODA Loop (Observe, Orient, Decide, Act) to make better decisionsRecognizing personal biases before making financial decisionsEvaluating trade-offs and second-order consequences before pursuing tax strategies, Roth conversions, and other optimization opportunitiesLISTENER QUESTIONS(36:35) Roger answers a listener's question about home cost basis. (41:02) Can dividend income be used to fill the gap in my retirement income floor?(44:55) Are bonds still a good conservative investment, or should I use CDs instead?SMART SPRINT(49:55) Practice using the OODA framework on a small, everyday decision this week to determine whether optimizing is truly worth the extra time and effort.CLOSING THOUGHTS(51:24) Roger reflects on how building a resilient retirement plan isn't just about protecting against uncertainty—it also gives you the confidence to lean into life and enjoy retirement more fullyREFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Financial advisors are being pitched new AI tools almost every day.The promise is simple: more automation, better client service, and fewer hours buried in administrative work.But adding AI to a fragmented technology stack doesn't automatically make your business smarter. If your client data is incomplete, trapped inside disconnected systems, or flowing through tools you haven't properly vetted, AI may amplify the problems you already have.Today, I'm talking with Triad's Chief Technology Officer, Quin Kilgore, to explore why the next era of advisor technology won't be won by the firm with the most software.We discuss why the tools that helped build your firm may not be the tools that carry it forward, where convenience can create hidden compliance risks, and how AI could reshape everything from marketing attribution and advisor coaching to client events and everyday operations.3 Insights From This Week's Episode…#1.) The Hidden Risk Beneath Every AI Tool Advisors tend to focus on what a new AI tool can do. But the bigger risk may be hiding in incomplete client records, fragmented systems, and unclear data policies. We explore why AI adoption can make weaknesses in your firm's foundation much harder to ignore.#2.) Why Today's Tech Stack May Become Tomorrow's BottleneckFor years, advisory firms built their businesses around software that was expensive to customize and painful to replace. Quin explains how quickly that equation is changing, and why advisors may need to reconsider what a “core” technology system even looks like.#3.) The Client Intelligence Advisors Are Leaving BehindYour client conversations contain far more valuable information than a traditional fact finder can capture. We explore what becomes possible when that information can be organized, understood, and used throughout the firm.INTERESTED IN TRIAD'S AI MASTERMIND?Triad's AI Advisor Lab, led personally by Michael Hyatt, is built for financial advisors who want to cut through the hype, apply AI more effectively, and stay ahead as the industry evolves. Apply here to see if the mastermind is the right fit for your firm: https://bradleyjohnson.com/178-ai-advisor-labSHOW NOTEShttps://bradleyjohnson.com/178FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP07265629240See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Divorce is emotional—but it's also one of the biggest financial transitions you'll ever face. I'm joined by returning guest and podcast sponsor Phil Weiss, founder of Apprise Wealth Management, CFA, CPA, and Registered Life Planner (RLP®). Phil is passionate about helping women start fresh financially and guiding individuals and families through life's biggest financial transitions with clarity and confidence.In this episode, we discuss the financial moves that matter most before, during, and after divorce, including: - The biggest financial mistakes people make during divorce- Whether keeping the family home is the right financial choice- The financial documents you should gather first- How to rebuild financial confidence after divorce- The money mindset you need to rewrite for your next chapter If you're navigating divorce or creating a new financial future, this conversation is full of practical advice and encouragement. Follow Phil:Website@philweiss11

An alarming number of people have access to a 401(k) and are either not using it, not getting the full employer match, or not making the simple moves that turn a good account into a great one. Joe and OG dedicate a full episode to the retirement account that most people take for granted -- covering contributions, matching, investment selection, Roth versus traditional, and the specific decisions that separate people who retire comfortably from people who almost got there. Plus wins from the Stacker community and trivia that will make you the most dangerous person at your next dinner party.What You'll Walk Away WithWhy the employer match is the single highest guaranteed return available to any investor -- and the specific contribution level that captures every dollar of itRoth 401(k) versus traditional 401(k): the one question that cuts through all the noise and tells you which one to use right nowWhy your investment menu feels overwhelming and how to make a great choice in under five minutes using one simple filterThe auto-escalation feature most people never turn on -- and why setting it up once can add tens of thousands of dollars to your balance without you doing anything elseWhat to do with your 401(k) when you leave a job: the four options, which one is almost always wrong, and which one most people choose anywayWhy contribution limits are higher than most people think -- and the catch-up contribution that becomes available at 50 that most people in their 40s don't know to plan forThe vesting schedule trap: why your employer match might not actually be yours yet -- and what that means for anyone thinking about leaving their jobWhy 403(b) and 457 plans follow most of the same rules -- and the one unique advantage the 457 has that almost nobody knows aboutOG on the single most common 401(k) mistake he sees in client portfolios -- and how long it typically takes to fixStacker wins from the community: the specific moves people made this month that are already paying offWhy This Matters NowEvery year you don't optimize your 401(k) is a year of compounding you don't get back. The moves in this episode are not complicated -- but most people either don't know about them or keep putting them off. This is the episode to send to anyone who has a 401(k) and has never really looked at it.From the BasementJoe and OG celebrate the 401(k) in mom's basement while OG recovers from completing the Triple Bypass -- a Colorado cycling event that covers three mountain passes and approximately all of the elevation gain in the western hemisphere. OG's wife asked if he'd do it again. He answered with a childbirth analogy. Doug arrives with trivia that will be re-shared all week. The community delivers wins that prove the system works.Resources MentionedStacking Benjamins Basics Guide -- stackingbenjamins.com/basicsguideStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

His mission is to help 100,000 families just like yours achieve financial clarity. As a husband, father, coach, and active community volunteer, he understands the freedom that comes from sound financial planning.Over the past 15 years, he worked his way up from intern to CFP® Financial Advisor, eventually becoming a firm owner before the age of forty. He shares the financial education he was fortunate to receive through podcasts, his book "The Financial Pinwheel," and a variety of online resources.Growing up in Northern New Jersey, he saw firsthand how many people commuted into New York City, working 80-hour weeks in pursuit of financial security—often at the expense of their well-being. He once expected to follow the same path, until a college professor introduced him to a guest speaker who called himself a Financial Planner. This encounter opened his eyes to a career dedicated to helping every day, middle-class families—people just like him.During his internship, he offered to create a financial plan for his mother, a single parent who had returned to work to support their family. Witnessing the relief and confidence his plan gave her; she danced in his office—confirmed his calling. From that moment, he knew he wanted to help others experience the same sense of security and hope. https://www.thefinancialpinwheel.com/abouthttp://www.yourlotandparcel.orgSupport the show

Financial planning for business owners often gets pushed aside while daily operations take over, and certified financial planner William Bissett has seen this pattern for over two decades. Founder of Portus Wealth Advisors, William breaks down why business exit planning, business succession planning, and business retirement planning are not the same conversation, and why confusing them costs entrepreneurs real money. In this episode of Play Big Faster, you will hear why most owners have little saved outside their company, how economic cycles affect the timing of a business exit, what a professional valuation actually reveals about sellability, and why most owners regret selling within a year. Whether you are starting a business or nearing retirement, William shares a practical framework for turning your company into real, lasting wealth. Watch now on YouTube.

Matthew Samuel, UK Chartered Financial Planner and SEC Regulated Financial Planner at Titan Wealth International, has built a career across both the UK and the international market, specialising in advising clients with US connections and US assets from his base in Dubai.He holds his UK chartered status alongside the Series 65 qualification, which makes him a registered investment adviser under the SEC, the US regulator. That means he can advise American expats living anywhere in the world, UK pension holders based in the US, and anyone navigating assets across both jurisdictions. It is one of the most technically demanding niches in financial planning, and it is exactly where he chose to specialise.In this episode of Financial Planner Life, Sam Oakes sits down with Matthew in Dubai to find out what that career actually looks like day to day. How he established credibility as a young adviser without years of experience behind him, and why getting your exams done early is the single best thing a young financial planner can do. How Covid changed the way international advice is delivered, making it possible to speak to clients across New York, Texas and San Francisco all in one evening without boarding a single flight. And what the One Titan philosophy actually means in practice, from following clients across borders as their lives change to having specialists in-house for almost every jurisdiction in the world.Titan Wealth International is expanding into the US with advisers on the ground, building the infrastructure to serve clients wherever in the world they end up.This is an episode for UK financial planners thinking about an international career, for anyone curious about what advising US-connected clients actually involves, and for anyone who wants to understand what a genuinely global financial planning business looks like.The episode's key takeaways:Why Matthew combined his UK chartered status with the Series 65 to advise US-connected clients internationallyHow knowledge compensates for lack of experience in client meetings and why young advisers should prioritise their examsHow Covid changed international financial planning delivery and what that means for advisers thinking about going globalWhat a 401k is and why so many sit dormant and unreviewed for international clientsWhat the IRA rollover actually means and why it matters for US clients with UK connectionsWhat One Titan means in practice and why a borderless financial planning business changes everything for internationally mobile clientsWhy Titan Wealth International is expanding into the US and what that means for financial planners considering an international careerIf you are a UK financial planner thinking about taking your career international, this is the episode to listen to.Learn more about Titan Wealth International at www.titanwealthinternational.comFinancial 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

A mid-year financial checkup can help farmers stay on track before the busy harvest season arrives.Austin Bailey, a commercial livestock lender with FCS Financial, says reviewing finances now allows producers to compare their current situation with the cash flow projections they made earlier this year."We've had a few surprises, but I think for the most part, the cash flows are still close," Bailey says. He notes final results will ultimately depend on yield and overall production.Hear more in the latest FCS Financial Field Notes.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hi my loves

This week, Dr. Brian Jacobsen breaks down the key themes emerging from earnings season and what they could mean for investors. He's joined by Director of Financial Planning Eric Strom to discuss the housing market and mortgage rates.  Plus, we explore the growing number of employed adult children living with their parents and provide practical guidance for evaluating life insurance policies so you can make more informed financial decisions.

Contrary to the traditional flight-to-safety playbook, bond yields are rising alongside oil prices as war-driven inflation fears overwhelm demand for U.S. Treasuries as a haven asset. We examine why this unusual bond market behavior matters for every investor who holds fixed income, and what it signals about the durability of the post-pandemic rate environment.Today's Stocks & Topics: ZIM Integrated Shipping Services Ltd. (ZIM), Market Wrap, Netflix, Inc. (NFLX), High Deficit on Bond Markets, Financial Planning, War Bonds vs. War Stocks: How Treasuries Are Really Responding to the Iran Conflict, KPP Newsletter, Zions Bancorporation, National Association (ZION), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Newmont Corporation (NEM), Edison International (EIX), Archer-Daniels-Midland Company (ADM), FCC Trying To Change Quarterly Earnings Rules.Advertising Inquiries: https://redcircle.com/brands

Tax planning is about much more than filing your tax return each year. In this episode of the Wise Money Show, we break down the four levels of tax planning and explain how proactive tax planning strategies can help individuals, business owners, and entrepreneurs reduce lifetime taxes and build more wealth. Learn the difference between tax preparation and tax planning, discover legal tax-saving opportunities, and avoid common mistakes that can lead to costly tax surprises. We're joined in the studio by special guest and tax planning expert Patrick Lonergan. Season 11, Episode 48 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.   Learn more about Patrick Lonergan and Vital Wealth: https://www.vitalwealth.com/ Listen to Patrick's podcast: https://www.vitalwealth.com/podcasts/    Watch this episode on YouTube: Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   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.

This week on Henssler Money Talks, we're cutting through the noise to focus on the financial issues that could have the biggest impact on your decisions.We begin with a look at the latest market headlines—from CPI data and the start of earnings season to Federal Reserve testimony on inflation and uncertain progress in the U.S.–Iran ceasefire.Then we answer a listener's question many homeowners are asking: If you've locked in a 3% mortgage, should you stay put or move anyway? Sometimes the best financial decision isn't the right decision for your lifestyle. We'll also revisit some of the financial advice that has become accepted as fact and discuss how changing markets, interest rates, and modern lifestyles have challenged some of the guidance investors have heard for decades.Finally, we'll examine why Ponzi schemes continue to fool investors, the warning signs to watch for, and practical steps you can take to help avoid becoming a victim.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks July 18, 2026  |  Season 40, Episode 29Timestamps and Chapters4:43: What's Moving the Markets?14:29: Is Now the Wrong Time to Move?25:06: Does Yesterday's Financial Advice Still Work Today?39:42: When an Investment Is Too Good to Be TrueFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 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.See important disclosures at Henssler.com

A Wall Street Journal story about a 17-year-old helping his family with financial decisions kicks off a much bigger Stacking Benjamins question: who should you actually trust with your money? Joe, Doug, Paula Pant, Jesse Cramer, and special guest Roger Whitney dig into where great advice comes from, why bad advice often comes from people who love you, and how to build a better filter before you act. Along the way, they talk books, podcasts, family advice, AI, confirmation bias, homebuying myths, index funds, retirement plans, and why "smart" isn't enough.What You'll Walk Away WithWhy Roger says "advice" has a high bar: real advice should apply to your specific life, not just sound smart in publicThe difference between information and advice -- and why confusing the two can lead you into troubleWhy books often beat random internet advice: they usually have more vetting, structure, and accountabilityHow well-meaning friends and family can still give terrible money advice when they speak confidently about things they don't really understandPaula's advice pyramid: avoid people who profit from outrage, be skeptical of people with no accountability, and seek sources with both expertise and vettingWhy AI can be useful as a sparring partner, but not as a substitute for your own thinking or fact-checkingThe danger of "always" and "never" advice: always buy a house, always max your 401(k), never finance a car, always buy index fundsWhy renting isn't automatically throwing money away -- and how the price-to-rent ratio can help you think more clearlyWhy maxing out your workplace retirement plan may not always be the right move, especially when tax flexibility, business investment, or other goals matter moreHow confirmation bias, present bias, and absolute certainty can fool you into believing your plan is stronger than it isWhat to look for in your personal board of directors: people you respect, people with a high signal-to-noise ratio, and people who are kind enough to tell you the truthWhy Roger says a kind person is better than a merely nice one when you need real feedbackWhy This Matters NowFinancial advice is everywhere: podcasts, books, TikTok, AI, coworkers, relatives, advisors, and confident strangers with strong opinions. The hard part isn't finding advice. It's knowing which advice deserves your attention. This episode gives Stackers a filter for separating useful guidance from noise before the wrong voice gets too close to their money.From the BasementJoe uses a Wall Street Journal piece about a teenage family financial advisor to launch a bigger card-table debate with Paula Pant, Jesse Cramer, and Roger Whitney. The crew builds a money-advice pyramid, debates which financial rules should be ignored, and explores when to trust yourself versus when to bring in your board of directors. Doug celebrates Art Linkletter with Game of Life trivia, Paula admits she's never played it, and OG's trivia lead might get a little more uncomfortable.Resources MentionedThe Wall Street Journal piece by Oyin Adedoyin about a 17-year-old helping his family with financial decisionsRoger Whitney -- The Retirement Answer Man podcastPaula Pant -- Afford Anything podcastJesse Cramer -- Personal Finance for Long-Term Investors podcastSeth Godin -- LinchpinThomas Stanley and William Danko -- The Millionaire Next DoorRobert Kiyosaki -- Rich Dad Poor DadRobert Cialdini -- InfluenceRichard Feynman -- Surely You're Joking, Mr. Feynman!Beth Kobliner -- referenced as an upcoming Afford Anything guestStacking Benjamins Newsletter, The 201 -- stackingbenjamins.com/201Stacking Benjamins YouTube channel -- youtube.com/stackingbenjaminsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why the financial world is paying attention to Psychedelic Drugs, What Financial Planning looks like today, Next Pints and Portfolios will be in Sunnyvale this Saturday July 18th from 11:30am to 1:30pm with EP Wealth Advisors

Richard Rosso & Jonathan McCarty explore some of the biggest retirement and investing questions facing Americans today. We examine how SECURE Act 2.0 is accelerating the "Rothification" of retirement savings, why catch-up Roth contributions remain a powerful planning tool, and what investors need to know about employer Roth matching and the long-term tax implications. We also tackle one of the hottest debates in retirement planning: Are dividend stocks really safer, or are investors being seduced by yield? We examine the arguments popularized by Dave Ramsey and Suze Orman, discuss whether dividends actually provide better retirement income, and explain why total return—not yield alone—should drive long-term investment decisions. Along the way, we'll discuss how today's market environment, disruptive technologies, and changing tax policies could reshape retirement planning for years to come. Plus, we preview our upcoming "Narrative Busters" series, where we challenge some of Wall Street's most widely accepted investment beliefs. 0:00 INTRO 0:19 - Butt stuff & Taxes 3:39 - MAHA & Homeopathy (Health & Wealth are Connected) 5:45 - Secure Act 2.0 & Rothification of America 9:53 - Do Not Stop Catch-up Contributions to Roths 12:58 - Putting Employer Matches in Roth accounts 14:15 - Dealing with Tax Implications (Bending Over) 15:45 - Temperature Technology 19:11 - Take the Pain of Taxes Now vs Later (Will They Tax Our Roths?) 20:23 - The Roth Saga of Peter Thiel 22:48 - The Tax Cascade is Coming 25:05 - Suze Orman, Dave Ramsey Rationale on Dividend Paying Stocks 27:58 - Dividend = Safety? 32:47 - Seduced by Yield 37:00 - If You Want Income... 39:15 - Impact of Disruptive Companies 40:39 - Narrative Busters tease (Which Ghost Buster is Who? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, 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: ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- 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/ #RetirementPlanning #RothIRA #DividendInvesting #TaxPlanning #FinancialPlanning

At Miller Wealth Planning, we provide Doctors, business owners and other high-net-worth individuals a comprehensive, bulletproof financial plan. Rick has put together an exceptionally talented and experienced team to show you how to manage the numerous risks high-net-worth professionals face.These risks include: tax risk; market risk; longevity risk (running out of money); inflation risk; long-term care risk, lawsuit risk, and loss of income risk, among others. Your freedom from worry is our objective.Rick credentials include: Certificate in Financial Planning; IRMAA Certified Planner; Certified Dementia Practitioner and Investment Advisor Representative.Rick has Master's degrees in English and Counseling along with broad experience in business creation, real estate investing and more.Learn more: https://www.thecaregapsolution.com/The opinions expressed on this show by the host and Fredric W. (Rick) Miller are their own and do not reflect the opinions of this radio or television station. All statements and opinions expressed are based upon information believed to be reliable. Although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-rick-miller-founder-of-miller-wealth-planning-discussing-protecting-the-surviving-spouse-in-retirement

Richard Rosso & Jonathan McCarty explore some of the biggest retirement and investing questions facing Americans today. We examine how SECURE Act 2.0 is accelerating the "Rothification" of retirement savings, why catch-up Roth contributions remain a powerful planning tool, and what investors need to know about employer Roth matching and the long-term tax implications. We also tackle one of the hottest debates in retirement planning: Are dividend stocks really safer, or are investors being seduced by yield? We examine the arguments popularized by Dave Ramsey and Suze Orman, discuss whether dividends actually provide better retirement income, and explain why total return—not yield alone—should drive long-term investment decisions. Along the way, we'll discuss how today's market environment, disruptive technologies, and changing tax policies could reshape retirement planning for years to come. Plus, we preview our upcoming "Narrative Busters" series, where we challenge some of Wall Street's most widely accepted investment beliefs. 0:00 INTRO 0:19 - Butt stuff & Taxes 3:39 - MAHA & Homeopathy (Health & Wealth are Connected) 5:45 - Secure Act 2.0 & Rothification of America 9:53 - Do Not Stop Catch-up Contributions to Roths 12:58 - Putting Employer Matches in Roth accounts 14:15 - Dealing with Tax Implications (Bending Over) 15:45 - Temperature Technology 19:11 - Take the Pain of Taxes Now vs Later (Will They Tax Our Roths?) 20:23 - The Roth Saga of Peter Thiel 22:48 - The Tax Cascade is Coming 25:05 - Suze Orman, Dave Ramsey Rationale on Dividend Paying Stocks 27:58 - Dividend = Safety? 32:47 - Seduced by Yield 37:00 - If You Want Income... 39:15 - Impact of Disruptive Companies 40:39 - Narrative Busters tease (Which Ghost Buster is Who? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, 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: ------- Watch today's "Before the Bell" premarket commentary, "Is Market Leadership Changing?" https://youtu.be/-NtwWZUvZBA ------- Watch our previous show, "Winning Less, Investing Better" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- 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/ #RetirementPlanning #RothIRA #DividendInvesting #TaxPlanning #FinancialPlanning

At Miller Wealth Planning, we provide Doctors, business owners and other high-net-worth individuals a comprehensive, bulletproof financial plan. Rick has put together an exceptionally talented and experienced team to show you how to manage the numerous risks high-net-worth professionals face.These risks include: tax risk; market risk; longevity risk (running out of money); inflation risk; long-term care risk, lawsuit risk, and loss of income risk, among others. Your freedom from worry is our objective.Rick credentials include: Certificate in Financial Planning; IRMAA Certified Planner; Certified Dementia Practitioner and Investment Advisor Representative.Rick has Master's degrees in English and Counseling along with broad experience in business creation, real estate investing and more.Learn more: https://www.thecaregapsolution.com/The opinions expressed on this show by the host and Fredric W. (Rick) Miller are their own and do not reflect the opinions of this radio or television station. All statements and opinions expressed are based upon information believed to be reliable. Although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-rick-miller-founder-of-miller-wealth-planning-discussing-protecting-the-surviving-spouse-in-retirement

How can you build a successful financial planning career in your first year after college? In this episode, I sit down with paraplanners Samantha Buchanan and Garrett Welsh from Allegiance Financial Group Advisory Services to explore their journeys into financial planning, how they chose the right firm, and what they've learned transitioning from students to professionals. Listen in to learn how Samantha and Garrett evaluated career opportunities, why finding the right firm culture mattered, how paraplanners can contribute value from day one, and how technology like AI is changing (but not replacing) the human side of financial advice. You'll also hear practical advice for aspiring planners, including how to build confidence in client meetings and create your own career opportunities. You can find show notes and more information by clicking here: https://tinyurl.com/ycyp7btc  

Why the financial world is paying attention to Psychedelic Drugs, What Financial Planning looks like today, Next Pints and Portfolios will be in Sunnyvale this Saturday July 18th from 11:30am to 1:30pm with EP Wealth AdvisorsSee omnystudio.com/listener for privacy information.

This week's discussion focused on encouraging inflation data, steady consumer spending, and the market implications of continued AI-driven investment. The team reviewed June CPI results, Fed Chair Kevin Warsh's congressional testimony, and the latest Beige Book findings ahead of the July FOMC meeting. While inflation showed signs of moderation, panelists noted that price pressures remain above target and are likely to keep the Fed on hold. The conversation also explored market rotation away from some AI leaders toward cyclical sectors, improving earnings trends, resilient credit markets, and the potential for broader economic participation as growth expands beyond mega-cap technology.03:43 — June CPI, Fed testimony, and Beige Book overview08:25 — Economic outlook, inflation trends, and AI-driven growth12:16 — Fed expectations, rates, and credit market dynamics17:28 — Market rotation, earnings season, and AI stock performance22:55 — Healthcare opportunities and broadening market leadershipAdditional ResourcesRead: Key Questions - Is Artificial Intelligence (AI) a “Bubble”?Read: IRS Releases Its Dirty Dozen Tax Scams and Schemes for 2026 Key QuestionsWeekly Investment BriefSubscribe to our Key Wealth Insights newsletterFollow us on LinkedIn 

Retirement is about more than growing your nest egg; it's also about building friendships, finding purpose, and making informed financial decisions along the way. Join Wes Moss and Christa DiBiase on this episode of the Retire Sooner Podcast as they blend listener questions, new research, and practical conversations about retirement planning, retirement investing, and personal finance. • Hear an inspiring listener story about trading everyday life for a full-time adventure aboard a sailboat in the Caribbean. • Discover new research on how long it may take to build close friendships and why those relationships may matter throughout retirement. • Learn why making new friends often gets tougher with age—and what may help create more meaningful connections. • Explore how The Retire Sooner Method encourages balancing financial security with purpose, relationships, and the experiences often associated with making retirement meaningful. • Explore portfolio diversification, pensions, liquidity, and how stocks, bonds, and cash may work together in a retirement portfolio. • Compare working with a financial advisor versus DIY investing, including what research suggests about each approach. • Review how financial planning may extend beyond investing to include tax planning, estate planning, and family priorities. • Consider ways to balance retirement savings, mortgage payments, and emergency cash reserves when extra income comes your way. • Understand portfolio rebalancing during market volatility and what Treasury notes and yield to maturity mean for fixed-income investors. Whether you're counting down to retirement or already there, this episode offers thoughtful perspectives to help you navigate the road ahead. Listen and subscribe to the Retire Sooner Podcast for more conversations about retirement planning, investing, and living well in retirement. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Investing in Integrity, Ross Overline sits down with Mark Keating, EVP and Global Head of Strategic Finance at State Street — one of the largest financial institutions in the world, with roughly $50T in assets under custody and 15% of the world's daily financial transactions running through its infrastructure.Mark and Ross discuss what it means to build a career of lasting impact inside a globally systemically important bank, how AI is reshaping corporate finance, and the question Mark asks himself and his colleagues to keep them grounded: Do you like the person you've become?Meet Mark Mark Keating is EVP and Global Head of Strategic Finance at State Street, where he leads enterprise Financial Planning & Analysis, Real Estate, Procurement, and Financial Oversight and Planning for Operations & Technology, State Street Markets, Global Credit Finance, Wealth Services, and Corporate Functions. He also leads the firm's Finance Data and AI organization and Finance Transformation. He is a member of State Street's Executive Committee, the company's senior leadership team.Since joining in 1990, he has held a range of executive roles in finance, business, and strategy across the firm. He spent over a decade in Zurich, Luxembourg, and London, and served as CFO for Europe, the Middle East, and Africa and as International CFO for more than 15 years. During that time, he served on the Executive Management Board of State Street Bank International in Germany and held a Senior Manager Function designation under the U.K. Financial Conduct Authority's Senior Manager Regime. In 2025, he stepped in as State Street's interim CFO.Mark also serves on the Board of Trustees of the Cathleen Stone Island Outward Bound School and is the executive sponsor of the State Street Veterans Network (VetNet).Mark holds an undergraduate degree from the Boston College Carroll School of Management and an MBA in international finance and economics from Babson College, where he graduated summa cum laude.

Your clients may have millions in company stock and still struggle with the decisions that matter most: exercise now or later, hold or sell, diversify or stay concentrated. In this episode, we sit down with Marcel Miu, founder of Simplify Wealth Planning in Austin, Texas, to discuss how advisors can help clients navigate equity compensation while building a successful advisory firm.Marcel shares his journey from JP Morgan and Cohen & Steers to launching his own fee-only RIA, and why technical expertise alone isn't enough to grow a business. We discuss the realities of client acquisition, how marketing has evolved, why LinkedIn isn't the opportunity it once was, and why advisors need multiple marketing channels instead of relying on a single strategy.We also explore flat-fee financial planning versus AUM, particularly for tech professionals whose investment portfolios may be simple but whose planning needs are anything but. Marcel explains why a flat-fee model often creates better alignment, how to set clear expectations, and how to determine whether a client is the right fit.Marcel's Social:https://www.linkedin.com/in/marcel-miu/Music in this episode was obtained from Bensound.

Many people think they have a financial plan because they have a 401(k), IRA, brokerage account, or pension, but having accounts is not the same as having a coordinated strategy. In this episode, we explore what comprehensive financial planning really means and why the way your investments, taxes, cash flow, insurance, and estate plan work together matters far more than any single financial decision. You'll learn why goals should drive your plan, why cash flow is the foundation of long term success, and why investment returns alone won't determine your financial future. Whether you're preparing for retirement or simply trying to make smarter financial decisions, this conversation will help you identify the difference between having scattered pieces and having a clear, intentional plan that supports the life you want.

In the 1800s, the smartest financial advice your grandparents could receive was: don't save money, because it will probably go to zero. Stocks were considered scams. Real estate was the only real path to wealth. Crypto isn't the future, it's a replay of something that happened dozens of times before the Civil War. Dr. Joseph Moore is a historian, a New York Times bestselling author, and someone who has spent his career proving that what always worked was always changing. His book is How to Get Rich in American History, and this conversation will make you rethink at least three things you currently believe about money.What You'll Walk Away WithWhy grandparents in the 1800s told their grandchildren never to save money -- and why that advice was completely rational at the timeThe crypto-as-past argument: why self-issued currencies have existed since before the Civil War, why they all eventually went to zero, and what the one thing is that actually made the US dollar trustworthyWhy stocks beating bonds in the long run is only true since World War II -- and what that means for treating any historical financial truth as permanentThe go-ahead philosophy: why Americans used to define success as actively moving forward rather than passively not falling behind -- and why that shift in language reveals something importantWhy financial gurus get a worse reputation than they deserve -- and the German economist's study that showed Dave Ramsey alone has saved the US economy the GDP of a mid-sized nation stateThe FIRE movement isn't new: the original four-hour workday, a man with Ten Acres Enough in 1850s New Jersey, and what the Nearings' Vermont maple farm story actually teaches about the selling of early retirementFast time versus slow time: why the financial media is paid to tell you it's always fast time, why it's almost never fast time, and how to know the difference when it actually mattersWhy the 4% rule and the safe withdrawal rate are research findings worth knowing -- and exactly why building a 30-year financial plan around a fixed number is still a mistakeFive first-half 2026 lessons from the Stacking Benjamins mentor vault: creativity, adversity, mistakes, the go-ahead mindset, and compoundingThe compounding belief problem: why OG's framework for trusting the math you've already lived is the most underrated motivational tool in personal financeWhy This Matters NowEvery financial truth that feels permanent right now -- index funds always win, real estate always appreciates, crypto is either the future or a scam -- is newer than you think and more conditional than it sounds. The investors who build real flexibility into their plans are the ones who survive when the conditions change. And the conditions always change.From the BasementDr. Joseph Moore joins Joe and OG to pick fights with crypto, passive income, real estate mythology, Napoleon Hill, and the entire academic finance establishment -- while making the case that financial gurus, properly understood, have done more measurable good for American wealth than all the finance professors combined. OG is in Colorado acclimating for a bicycle climb that has Doug genuinely concerned about whether a financial co-host counts as a dependent. Doug arrives with trivia tied to today's birthday that connects Nintendo's origins to something nobody expected. Five mentor highlights from the first half of 2026 close the episode -- including clips from George Newman on creativity, Jim Murphy on adversity, Bola Sokunbi on surviving a very expensive rollover mistake, Beth Kobliner on why young people are gambling instead of saving, and Cody Berman on the compounding moment that changes everything.Resources MentionedHow to Get Rich in American History by Dr. Joseph Moore -- New York Times bestseller; available at bookstores and on Amazon; josephmoore.comInner Excellence by Jim Murphy -- referenced for mental strength and adversity; available wherever books are soldClever Girl Finance -- Bola Sokunbi; clevergirlfinance.comAfford Anything podcast -- Paula Pant; referenced in first-half mentor recapRetire by 30 by Cody Berman -- retireby30book.comGet a Financial Life by Beth Kobliner -- referenced in first-half mentor recapStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201; write Joe at joe@stackingbenjamins.com with your favorite first-half lessonStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3630: Erik Carter highlights the critical pieces that many solid financial plans still overlook, including life insurance, diversification, liability protection, long-term care coverage, and estate planning. These often-neglected safeguards can protect your family, assets, and future income from risks that can undo years of smart financial decisions. Read along with the original article(s) here: https://www.financialfinesse.com/2013/02/21/whats-probably-missing-from-your-financial-plan/ Quotes to ponder: "Too often, people just have whatever their employer provides to them, which is usually equal to their salary." "The problem isn't that people don't know the importance of life insurance or can't afford it. The problem is that it's too easy to procrastinate." "One of the biggest investment mistakes I see is having too much in company stock." Episode references: Medicare: https://www.medicare.gov/ Medicaid: https://www.medicaid.gov/ S&P 500 Index: https://www.spglobal.com/spdji/en/indices/equity/sp-500/ Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Roger explains why rebalancing is one of the most important disciplines in retirement planning. In the Retirement Toolkit, he explores the difference between a traditional investment allocation and a retirement allocation, explaining how to organize your assets to support both your current lifestyle and your future needs. Along the way, he answers listener questions about speculative investments, the retirement red zone, the Rule of 55, and managing retirement cash reserves.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger explains why portfolios naturally drift over time and why rebalancing helps keep your retirement plan aligned with your long-term goals.RETIREMENT TOOLKIT(02:45) Roger explains how to rebalance a retirement portfolio, introduces his retirement allocation strategy, and shares practical tips for keeping your investments aligned with the life you want to live.LISTENER QUESTIONS(34:50) BB asks whether a high-risk AI cryptocurrency investment belongs in a retirement portfolio. Roger discusses separating speculative investments from retirement assets and investing with intention.(39:30) Jim asks how the retirement red zone changes for people who retire early. Roger explains sequence of returns risk and why its impact depends on factors like retirement age and overall funding.(44:16) Jamie asks how the Rule of 55 applies to her 401(k). Roger explains why eligibility depends on the employer's retirement plan and recommends checking with the plan administrator.(46:53) Pat asks how to replenish a retirement money market account each year. Roger discusses coordinating withdrawals with tax planning and maintaining flexibility in retirement income.SMART SPRINT(50:10) Roger encourages listeners to identify their target retirement allocation by defining how much they want in their contingency fund, income reserve, and long-term growth portfolio.ON THE BOOKSHELF (51:28) Nicole recommends Undistracted by Bob Goff, and Mark recommends Living Life in Crescendo by Stephen R. Covey and Cynthia Covey Haller. Roger shares his thoughts on lifelong growth and purpose in retirement. REFERENCESSubmit a Question for RogerSign up for The NoodleUndistracted: Capture Your Purpose. Rediscover Your Joy. by Bob GoffLiving Life In Crescendo by Stephen R. CoveyNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Here's a question most advisors can't answer honestly: if you stepped away from your business for a couple of months for more than a vacation, would it survive? For many founders, the answer is no. And that's a bigger problem than it sounds. Not just for you, but for your team, your clients, and the long-term value of your firm.Today, I'm talking with DJ DiDonna, founder of The Sabbatical Project and author of Big Time Off, to talk about why sabbaticals are more than extended vacations. For advisors, they can become the ultimate stress test for the firm, the team, the client experience, and the life you're supposedly building toward.We get into why burnout can show up even after you've built the “dream job,” why a business that depends entirely on you may be more fragile than it looks, and why waiting until retirement to finally live the life you've earned is a risky bet.If you've ever wondered whether your business is giving you freedom or quietly taking it away, this conversation will hit close to home.3 Insights From This Week's Episode…#1.) The Freedom Test Most Advisors AvoidMany advisors say they're building freedom, but their calendar, client model, and team structure make that freedom nearly impossible. We explore what your ability to step away may reveal about whether you've built a real company or just a more sophisticated version of a job.#2.) Why Burnout Can Hit After You WinBurnout doesn't always come from failure. Sometimes it shows up after you've built the business you thought you wanted. DJ shares why that can be so disorienting and what advisors may be missing when they keep pushing through.#3.) The Fear That Keeps Owners From Offering Time Off"What if I create the exit door and my best people walk through it?" It's the first objection every owner raises, and DJ has actual data on what happens when companies make extended leave part of the deal. The numbers aren't what you'd expect.This Week's Free GiveTo Get a Free Copy of Big Time Off: The Transformative Power of Sabbaticals and How to Take One, visit https://bradleyjohnson.com/177SHOW NOTEShttps://bradleyjohnson.com/177FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP07265629233See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We'd love to hear from you. What are your thoughts and questions?Dr. Allen and guest Jeffrey Panik discuss the essential steps for building a solid financial foundation and protecting family wealth. This episode highlights the importance of financial inventory, proactive planning, and avoiding common traps in retirement and estate strategy.Main Points:Create a detailed financial life inventory to understand your current debt, income, and account structure.Build an emergency fund covering 3 to 6 months of expenses to avoid high-interest debt when unexpected costs arise.Review estate planning documents periodically to ensure your trustees and agents still reflect your current life circumstances.Involve both partners in financial decisions to ensure continuity of your financial plan.Research the true costs of Medicare and Social Security before making decisions to avoid potential penalties and coverage gaps.Connect with Jeffrey Panik:jeff@balancewealthpartners.comwww.linkedin.com/in/jeffpanikYT: @balancewealthpartners

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat do you do when your business is profitable on paper, but payroll, taxes, and contractor payments are due before the cash actually hits your account?A cash flow crunch can make even a successful business feel unstable. You may have strong revenue, promising deals, and money on the way—but if the timing is off, your emergency fund is not prepared, the pressure can quickly turn into sleepless nights and reactive decisions. In this episode, Kyle Pearce and Jon Orr unpack why profitability and solvency are not the same thing, and how Canadian business owners can build systems and tools, and better emergency funds that help them handle cash gaps without panic.You'll walk away with:A clearer understanding of why cash flow crunches happen, even in profitable businesses.A smarter way to think about your emergency fund or “wealth reservoir” so cash is not just sitting idle.Practical insight into how business owners can use structured reserves, policy loans, and strategic planning to keep operations moving while still building long-term wealth.Press play now to learn how to stop fearing the cash flow crunch and start building a system that keeps your business steady when timing gets tight.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian entrepreneurs, a strong Canadian wealth plan starts with understanding the difference between profit and cash flow. Even when business growth looks healthy on paper, a cash flow crunch can expose weak cash management, gaps in business finance, and the need for better financial systems. This episode explores how a wealth reservoir can function like a more strategic emergency fund, helping business owners manage payroll, taxes, contractors, and other obligations without derailing long-term financial planning. By building financial systems for entrepreneurs, using corporate wealth planning, considering tax-efficient investing, and aligning personal vs corporate tax planning, business owners can create a stronger business strategy that supports financial freedom Canada, financial independence Canada, passive income planning, legacy planning Canada, and building long-term wealth Canada. Whether you are thinking about salary vs dividends Canada, RRSP optimization, corporation investment strategies, real estate investing Canada, financial buckets, capital gains strategy, estate planning Canada, or an early retirement strategy, the key is to create a flexible investment bucket strategy that supports both modest lifestyle wealth today and long-term wealth building strategies Canada for the future.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3630: Erik Carter highlights the critical pieces that many solid financial plans still overlook, including life insurance, diversification, liability protection, long-term care coverage, and estate planning. These often-neglected safeguards can protect your family, assets, and future income from risks that can undo years of smart financial decisions. Read along with the original article(s) here: https://www.financialfinesse.com/2013/02/21/whats-probably-missing-from-your-financial-plan/ Quotes to ponder: "Too often, people just have whatever their employer provides to them, which is usually equal to their salary." "The problem isn't that people don't know the importance of life insurance or can't afford it. The problem is that it's too easy to procrastinate." "One of the biggest investment mistakes I see is having too much in company stock." Episode references: Medicare: https://www.medicare.gov/ Medicaid: https://www.medicaid.gov/ S&P 500 Index: https://www.spglobal.com/spdji/en/indices/equity/sp-500/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Skip the Queue, Andy Povey is joined by Clive Morris, founder of CCM Consulting, to explore the financial realities facing visitor attractions. They discuss the recent UK VAT changes, why collecting the right operational and financial data matters, and how attractions can strengthen the case for future VAT reform. Clive also shares practical advice on connecting finance with day-to-day operations to support better business decisions. Topics Discussed The recent VAT changes affecting UK visitor attractions Why finance and operations should work more closely together The importance of collecting accurate visitor and revenue data Building the case for future VAT reform Using financial insights to improve operational decisions Common financial challenges facing attractions Practical advice for attraction leaders and finance teams How better reporting supports long-term business growth   Show references:    Clive Morris - founder of CCM Consulting https://cmm-consulting.co.uk/ https://www.linkedin.com/in/clive-morris/   Skip the Queue is brought to you by Merac. We provide attractions with the tools and expertise to create world-class digital interactions. Very simply, we're here to rehumanise commerce. If you like what you hear, you can subscribe on Apple Podcasts, Spotify, and all the usual channels by searching Skip the Queue or visit our website SkiptheQueue.fm. If you've enjoyed this podcast, please leave us a five star review, it really helps others find us. And remember to follow us on LinkedIn.   Credits: Written by Sami Entwisle  Edited by Steve Folland Produced by Emily Burrows and Sami Entwisle (Plaster) Download The Visitor Attractions Website Survey Report - https://www.merac.co.uk/download-the-visitor-attractions-survey We have launched our brand-new playbook: ‘The Retail Ready Guide to Going Beyond the Gift Shop' — your go-to resource for building a successful e-commerce strategy that connects with your audience and drives sustainable growth. Download your FREE copy here

Small company stocks were up nearly 22% in the first six months of 2026. Emerging markets were up 24%. Meanwhile, plenty of people sat on the sidelines convinced those asset classes were dead, chased last year's winners, or just didn't know what they owned. Joe, OG, and Len Penzo break down the first-half scorecard, explain why the lesson isn't about timing -- it's about diversification -- and walk through what an investment policy statement actually is and why having one would have kept most people out of trouble.What You'll Walk Away WithThe first-half 2026 scorecard: Russell 2000 up 21.9%, MSCI Emerging Markets up 24%, S&P 500 up 9.6%, and why the breadth of the rally matters more than the headline numberWhy OG's one-sentence takeaway -- "the plan always works" -- is both right and incomplete, and what Len's personal experience this year adds to the conversationWhat an investment policy statement actually is: the one-page written decision tree that protects you from making bad moves when markets spike or crashWhy the market closes at an all-time high roughly 30% of the time -- and what that means for the "I'm waiting for it to come down" crowdHow to x-ray your portfolio: the specific inventory OG recommends taking before you make any changesWhy you should rebalance all at once rather than filling in holes slowly -- and the one asterisk that applies before you do anything in a taxable accountLen on the mining sector: why GDX returned 154% last year and is down 10% this year -- and exactly what that pattern teaches about chasing returnsWhy trying to explain your investment plan to another human being is the best stress test you haveThe allowance micro-economy problem: what happens when you pay kids per task and they start pricing everything in units of dog poopJessica's win from the Basement: how one Stacker helped her 25-year-old cousin sign up for her first 401(k), get the full company match, and choose index fundsWhy This Matters NowThe second half of 2026 starts now. If you don't know what you own, why you own it, or what you'd do if it dropped 30%, this is the episode to act on before the next six months get away from you.From the BasementJoe, OG, and Len Penzo review the first half of 2026, build a case for why diversification beats prediction every time, and explain what an investment policy statement is and how to write one. Doug celebrates the Hollywood sign's origin as a real estate advertisement and shares two things social media actually taught us -- including a TikTok comedian voicing the thoughts in Mark Zuckerberg's ear during a very long beef discussion. Len's annual sandwich survey is about a month away. True Money Stories is climbing the Amazon charts.Resources MentionedTrue Money Stories by Len Penzo -- available on Amazon; lenpenzo.comLen Penzo dot com -- lenpenzo.com; 3,000 articles, 18 years of personal finance writingStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementOG financial planning calendar -- stackingbenjamins.com/ogSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Money Monday has arrived, and Don kicks off a new weekly series based on his book Financial Fysics. The first “law” may surprise you: according to Don, every dollar ever earned comes from just three sources—luck, theft, or work. He and Tom debate where investing belongs, why entrepreneurship remains one of the best paths to wealth, and how much luck really contributes to financial success.Then they answer a listener's retirement planning question about whether to finance a Florida townhouse or withdraw money from a Roth IRA. Along the way they discuss Roth conversion strategy, Florida HOA reserve funds, special assessments, and why building a retirement plan should always come before deciding where the money comes from.00:00 Welcome to Money Monday00:12 A new weekly Financial Fysics series begins01:35 Why anonymous two-star book reviews are so frustrating02:40 Free Financial Fysics book giveaway03:50 Rule #1: There are only three ways to make money04:45 Luck—including investing, lotteries, and inheritance06:35 Theft, fraud, and unethical financial products07:55 Why successful investing combines work and luck10:30 How most great fortunes are actually built12:10 Entrepreneurship, risk, and creating wealth13:35 Understanding just how large a trillion dollars really is15:50 The biggest takeaway from Rule #117:15 Preview of next week's rule: Supply and Demand18:15 Why listener questions slow down during the summer19:15 Listener Question: Should a retiree finance a Florida townhouse or withdraw money from a Roth IRA?21:10 Florida HOA reserves and avoiding expensive surprises24:30 Why retirement planning comes before choosing an account26:00 Why the Roth IRA is probably the last account to tapQuestions? Comments? Click!

Join Ryan Burklo and Alex Collins as they delve into the crucial role life insurance plays in a well-rounded financial plan. Through an engaging and detailed case study, they highlight the significance of cash flow management, protection strategies, and strategic planning. This episode is designed to empower listeners with the knowledge needed to make informed decisions about their financial future, ensuring they are well-prepared for any eventuality.   Check out our website:  https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   #BuiltForLifeNotJustWealth #financialplanning #lifeinsurance #cashflow #protection #casestudy #wealthmanagement #retirementplanning   Key Topics Importance of life insurance in financial planning Analyzing a client's balance sheet and assets Impact of income and lifestyle on insurance needs Scenario analysis of life insurance coverage Protection from income loss due to unexpected events   Chapters 00:00 Introduction to Financial Planning and Protection 02:28 Analyzing a Client's Balance Sheet 10:59 The Importance of Life Insurance 17:09 Understanding Income Protection and Financial Planning  

Today's show asks one of the trickiest questions in personal finance: when does a good habit go too far? Saving is great. Cutting expenses can change your life. Earning more can open doors. But what happens when you optimize so hard that you accidentally squeeze the joy out of the whole plan? Joe, Doug, Diana Merriam from EconoMe, New York Times financial writer Paulette Perhach, and Doc G from Earn and Invest dig into the messy middle between YOLO and never spending a dime. Plus, Doug brings hockey trivia, the panel talks odd jobs, and everyone tries to define what "enough" actually means. You'll see very quickly why this episode is an integral part of greatest hits week!What You'll Walk Away WithWhy reducing expenses works best when it removes waste -- not when it turns your life into a deprivation contestDiana's throw-pillow test: how to ask whether you actually want something or just inherited the idea that you're supposed to want itThe difference between frugal and cheap -- and why ironing hotel toast or stealing dealership coffee might be a sign you've crossed the lineWhy Doc G says saving money is only useful if it eventually becomes fuel for the life you want to liveThe case for "YOLO responsibly": automate the saving first, then give yourself room to spend without turning every purchase into a morality playWhy high savings rates can be powerful in your 20s -- especially when friends turn frugality into a shared goal instead of social isolationPaulette's reminder that money habits aren't just math; ADHD, dopamine, entrepreneurship, and self-compassion can all change how saving feelsWhy earning more often matters more than cutting more -- and how Diana's denied raise helped push her toward building her own thingDoc G's hospice-doctor warning: nobody gets to the end wishing they had worked more nights and weekends to hit a slightly bigger net worthWhy Coast FI may be the healthier goal for some people: save enough to create options, then stop tolerating work or lifestyles that no longer fitThe guardrails idea: avoid both extremes -- wasting your future and wasting your presentWhy This Matters NowIt's easy to turn personal finance into a scoreboard: lower expenses, higher savings rate, bigger income, faster FI date. But the real goal isn't winning the spreadsheet. It's building a life that feels secure, flexible, and worth living while you're still living it. This conversation is a reminder to use money as a tool, not a dare.From the BasementJoe Saul-Sehy gathers a rare Friday card table with Diana Merriam, Paulette Perhach, and Doc G to talk about saving too much, spending too much, working too hard, and finding the middle before the middle finds you. Doug is salty about not going to FinCon, the panel debates FIRE extremes, someone brings up homemade Gatorade, and the trivia question involves hockey nets. No word yet on whether Mom has removed the throw pillows upstairs.Resources MentionedMrStingy.com -- "Too Much of a Good Thing: Taking It Too Far"Diana Merriam -- EconoMe Conference; economeconference.comDiana Merriam -- Optimal Finance DailyPaulette Perhach -- pauletteperhach.comPaulette Perhach -- New York Times personal finance writing, including ADHD and moneyDoc G / Jordan Grumet -- Earn and Invest podcastDoc G -- Wealth with PurposeThe Fioneers -- referenced in the lifestyle design conversationFrugalwoods -- referenced during the throw-pillow/minimalism discussionStacking Benjamins Newsletter, The 201 -- stackingbenjamins.com/201Stacking Benjamins Community, The Basement -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us Fan MailDivorce can leave you holding a stack of statements and a knot in your stomach, wondering what you actually own, what it means, and whether retirement is still possible. We sit down with Jesse Hurst, a CPA and Chartered Financial Analyst, to talk through the real-world money decisions that hit right after a divorce and how to replace fear with a plan you can live with. Jesse's twist is simple and surprisingly effective: use pop culture, music, and familiar stories to make complicated financial concepts stick, so you're not just being “told” what to do, you understand it. We dig into why people often feel frozen after a major loss, and how to restart with small steps: take an inventory, clarify what matters most to you, and map out the levers that actually drive outcomes. That includes cash flow planning after spousal support ends, deciding when to claim Social Security, and turning a collection of accounts like a 401(k), IRA, brokerage account, CDs, and home equity into a coordinated retirement strategy with an age-appropriate risk profile. We also get concrete about taxes and planning traps. Jesse explains why divorce can come with cost basis headaches that don't exist after a spouse's death, and why filing status changes can feel like a penalty when someone becomes a widow or widower. If real estate is part of the picture, we talk about rental property cash flow, concentration risk, and when selling a non-producing property can improve liquidity and diversification. If you're rebuilding after divorce and want a calmer, clearer way to think about retirement planning and financial independence, hit play. Subscribe to Modern Family Matters, share this with someone who needs it, and leave a review so more families can find real guidance.If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.To learn more about Jesse and how he can help you, you can visit his website at: https://www.impelwealth.com/Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

Scott Galloway doesn't do soft-pedal advice. In this Greatest Hits conversation, the NYU professor, entrepreneur, investor, and author of The Algebra of Wealth joins Joe to talk about why building wealth is less about chasing passion, picking the perfect stock, or waiting for retirement -- and more about focus, discipline, diversification, time, and relationships. Before that, Joe and OG dig into a 401(k) lawsuit involving AllianceBernstein and why comparing your portfolio to the wrong benchmark can send your plan sideways. Later, Alex calls in with a big early-retirement question: how do you access retirement money before age 59 and a half without triggering penalties?What You'll Walk Away WithWhy Scott Galloway says money is not the story -- it's the ink in the pen that can help you build deeper relationships with less anxietyThe "follow your passion" problem: why Scott believes young people should look first for talent, certification, and industries where they can become excellentWhy boring careers can create extraordinary lives -- especially when they offer income, stability, and room to build optionsScott's wealth equation: focus, stoicism, diversification, and time -- and why each piece matters more than trying to look brilliant for one lucky momentThe savings muscle: why measuring spending, gamifying saving, and surrounding yourself with the right people can change behavior faster than good intentions aloneWhy diversification is financial Kevlar -- it may not make you look like a hero, but it can keep one bad investment from becoming a fatal woundThe retirement myth Scott wants to burn down: why the goal isn't necessarily to stop working, but to make work a choice instead of a trapThe 401(k) benchmarking lesson: why Joe and OG say your benchmark should be your goal, not whichever index happened to win over the last decadeWhy chasing the S&P 500 because it recently crushed everything else can become dangerous when you forget that market leadership rotatesWhat the AllianceBernstein lawsuit teaches participants: ERISA protects against imprudence, not against every disappointing stretch of market performanceAlex's early-retirement question: the difference between accessing 401(k) money after separation from service at age 55 and using SEPP rules before thenWhy substantially equal periodic payments can work -- but also why OG says you want experienced help before touching those rulesWhy splitting IRA assets into separate buckets may create more flexibility for early-retirement income planningWhy This Matters NowA lot of people want the shortcut: the best stock, the best index, the perfect retirement number, the magic career move. Scott Galloway's message is more durable than that. Build skills. Save consistently. Avoid lifestyle traps. Diversify. Give time room to work. Keep the people around you strong. That's not flashy, but it is the kind of advice that still works when the market, the economy, and your life refuse to cooperate.From the BasementJoe and OG start with a retirement-plan lawsuit that turns into a bigger conversation about how Stackers should judge their own portfolios. Then Scott Galloway pulls up a chair at the card table to talk about wealth, work, saving, relationships, his mom, Sizzler, bourbon, Tom Petty, and why you don't need to be a hero to build real financial security. Doug brings trivia about the first camera phone, plus a few modeling notes of his own. Later, Alex asks how early retirees can tap retirement accounts before 59 and a half, and the basement joke-off marches toward its dramatic, deeply mathematical conclusion.Resources MentionedScott Galloway -- The Algebra of WealthStacking Benjamins Newsletter, The 201 -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins voicemail line -- stackingbenjamins.com/voicemailStacking Benjamins Community, The Basement -- stackingbenjamins.com/basementStacking Benjamins YouTube channel -- youtube.com/stackingbenjaminsInvestmentNews article by Emil Halasz on the AllianceBernstein 401(k) lawsuitJL Collins -- The Simple Path to WealthPaul Merriman and Peter Mallouk -- referenced during the benchmarking and diversification discussionIRS Rule 72(t) / SEPP rules -- referenced for early retirement account withdrawalsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.