Podcasts about financial planning

Most advisors go into a transition focused on the upfront money. Very few are prepared for everything that happens after they walk out the door. Some surprises are good ones. Clients move faster than expected. Assets go up, not down. The income jump is real. But there are also things advisors consistently underestimate, overlook, and wish they had negotiated differently. In this episode of Advisor Talk, Frank LaRosa and Stacey Frank do a post transition breakdown of the things advisors wish they had known going in, including what they underestimate about client loyalty, what they leave on the table in negotiations, and the operational realities that no one warns them about until it is too late. Frank also breaks down the shrink to grow concept, why payout structure matters more than the upfront check long term, and why the first 30 days of a transition can make or break the entire move. Frank and Stacey also discuss what separates advisors who have a smooth transition from those who struggle, and why the more preparation you put in before the move, the less stress you will face after it. Questions answered in this episode include: How many clients do financial advisors actually retain when they switch firms? What do advisors consistently underestimate when making a move? Should a financial advisor negotiate payout or upfront money? What is the shrink to grow concept in financial advisor transitions? What operational issues do advisors face in the first 30 days after a transition? How should a financial advisor prepare their support staff before making a move? What should advisors ask firms to include in their transition support package? Chapters: 00:00 – What Advisors Wish They Knew Before Leaving 01:07 – Welcome to Advisor Talk 02:26 – The Biggest Surprise: Client Loyalty Is Stronger Than You Think 09:01 – The Income Jump Is Real: What the Math Actually Looks Like 12:50 – What Advisors Wish They Negotiated Differently 15:41 – Shrink to Grow: Why Not Every Client Should Come With You 18:13 – Operational Realities Nobody Warns You About 23:54 – How to Reach Frank and Stacey Learn more about Elite and our resources: Elite Consulting Partners | Financial Advisor Transitions https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers and Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Elite Wealth Management Insights Report https://eliteconsultingpartners.com/insight-report Listen to more Advisor Talk episodes https://eliteconsultingpartners.com/podcasts/

What actually makes for a happy retirement? Today, Joe sits down with retirement expert Wes Moss, author of The Retire Sooner Method, to explore the research behind America's happiest retirees. Wes explains why money is only part of the equation, how community and “super activities” give retirement purpose, why eliminating debt can create more freedom, and how a clear retirement plan can help reduce the fear of running out of money.Then Joe and OG tackle one of retirement's most popular investing strategies: living off dividends so you never have to sell your investments. They break down why dividends feel so appealing, where the strategy can fall short, and why building your retirement income plan around your goals may matter more than chasing a particular yield. Plus, Doug celebrates the anniversary of the ATM with some cash-dispensing trivia.Resources mentionedWes MossThe Retire Sooner Method: The 5 Secrets Behind America's Happiest and Unhappiest RetireesYou Can Retire Sooner Than You ThinkRetirees Love Dividends, but the Stock Market Surge Is Making Them Think Again — The Wall Street JournalField Kit FinanceThe 201 newsletter — stackingbenjamins.com/201Field Kit Finance webinars: Sign up for The 201 to get the full schedule.The Clark Howard ShowFinConDana AnspachBen CarlsonAttorney Tim Semro's recent Stacking Benjamins appearanceFULL SHOW NOTES: https://www.stackingbenjamins.com/wes-moss-retire-sooner-method-1892/Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201Enjoy!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Social Security is one of the most important pieces of a retirement plan, but how does the system work, and will it remain financially viable for future retirees? Roger begins a five-week series on building your Social Security playbook by exploring the program's history, funding structure, and current financial outlook. He also discusses potential paths to solvency, how he accounts for Social Security in retirement planning, and why building a resilient plan remains essential.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN[00:00] Roger introduces a new five-week series designed to help you build your Social Security playbook.[01:37] The Retirement Answer Man YouTube channel is relaunching with weekly videos that complement the podcast.PRACTICAL PLANNING SEGMENT[02:35] Roger outlines the five-week Social Security series and explains what you need to understand to build your own playbook.[05:02] A brief history of Social Security provides context for how the program and its purpose have evolved.[08:18] Roger explains how today's workers fund benefits for today's retirees through payroll taxes.[11:58] Demographic changes and longer lifespans have caused benefit payments to exceed incoming payroll-tax revenue.[15:45] The 2026 Trustees Report projects what could happen in 2032 if Congress does not address Social Security's funding shortfall.[21:50] Roger explores possible paths to solvency and explains how he accounts for Social Security when building a resilient retirement plan.LISTENER QUESTIONS[37:40] Will claiming a reduced benefit at age 62 also reduce a spouse's future survivor benefit?[39:08] Should the decision to claim Social Security early account for the assets that can remain invested?[43:17] Is OpenSocialSecurity.com a useful tool for choosing a claiming strategy, and how can you respond to someone who wants to claim early because they fear Social Security will run out of money? SMART SPRINT[46:42] Claim your personal Social Security account at SSA.gov and consider contacting your federal representatives about addressing the program's solvency.CLOSING THOUGHTS[48:28] A listener demonstrates how small, consistent efforts can compound into meaningful progress over time.[52:50] Allison reviews The Calamity Club by Kathryn Stockett, and Roger shares his current book recommendation.REFERENCESSocial Security AdministrationOpen Social SecuritySubmit a Question for RogerSign up for The NoodleRetirement Answer Man on YouTubeThe Calamity Club by Kathryn StockettThe Way of Excellence by Brad Stulberg

What happens when a client has enough money to retire, but no idea what they're retiring to?That's the tension at the center of my conversation with Mark Hedderman, a second-generation financial advisor from Ireland who's been rethinking what great financial planning should actually look like.Mark started noticing a gap in the traditional model. Clients could accumulate enough money for several lifetimes while quietly neglecting other parts of their lives that become much harder to fix later.We get into why advisors can mistake a growing portfolio for a successful outcome, how retirement can expose problems the accumulation years hide, and why the rise of AI may actually make the human side of financial advice more valuable.4 Insights From This Week's Episode…#1.) Money Is The Vehicle, Not The OutcomeA client can reach every financial milestone and still arrive at retirement unprepared for what comes next. Mark and I explore why the numbers only tell part of the story and what advisors risk missing when accumulation becomes the primary definition of success.#2.) AI May Make The Human Side Of Advice More ValuableTechnology can analyze portfolios, compare fees, and produce financial information faster than ever. The bigger question is what happens to the advisor's value when those things become commodities.#3.) Help Your Clients Retire To SomethingLeaving a career can also mean losing purpose, routine, relationships, and identity. Mark explains why retirement shouldn't feel like slamming on the brakes, and how advisors can help clients gradually transition into a new season filled with meaningful experiences, relationships, and pursuits.#4.) Being Rich And Being Wealthy Aren't The Same ThingMore money can create freedom, but it can also become a scoreboard that never stops moving. Mark challenges the assumption that a larger portfolio automatically creates a better life and explores the point where accumulating more can actually distract clients from what the money was supposed to make possible.FREE GIVEDownload your copy of The Life Care Plan. One place for care preferences, legal and estate details, and the conversations families put off until it's too late. Get your copy here: https://bradleyjohnson.com/184-life-care-plan-download/ SPONSORED BY BELAYIf you're an advisor and you're still scheduling your own appointments, sending your own follow-up emails, or dealing with other tasks keeping you from bringing on other clients, you're the bottleneck. BELAY helps busy leaders find world-class Virtual Assistants who can take tasks off their plate, protect their time, and help them stay focused on the work that actually moves the business forward. Learn more about BELAY and find the right assistant for your business here: http://belaysolutions.com/dbdlSHOW NOTEShttps://bradleyjohnson.com/184FOLLOW 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. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On the Money Meets Medicine podcast, Dr. Jimmy Turner and Justin Harvey answer three listener questions. First, they discuss 457 plans and how to determine if you should be participating in yours, including the three questions to answer to figure it out in your situation. They alos discuss if doctors should have emergency funds and, if so, how large they should be. Finally, they chat about investing bonus money: invest it all in at once? Or let it trickle in through dollar-cost averaging (DCA)?Resources for this episode: Every doctor needs own-occupation disability insurance. Get a quote from Money Meets Medicine Disability Insurance, co-founded by host Dr. Jimmy Turner. Are you looking for a new accountant? Check out Gelt, the tax strategy team that Jimmy Turner personally uses. Use this link to get 10% off Gelt's services the first year you work with them. Looking to increase your financial literacy, but not sure where to start? Get a free copy of Dr. Jimmy Turner's best-selling book, The Physician Philosopher's Guide to Personal Finance. IRS guide on differences between governmental and non-governmental 457 can be found here. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if the marriage at the center of your family is actually the foundation of your entire family legacy? In this episode of Abraham's Wallet, Steve Manuel and Mark Parrett explore marriage as a biblical covenant—not simply a contract between two people—and why protecting that covenant matters for Christian families who want their faith, culture, and wealth to endure for generations. They discuss why divorce can affect far more than finances, how a broken marriage can disrupt family culture, and why husbands need to take their marriage vows seriously. The conversation also explores what Scripture teaches about covenant, the role of God as witness to marriage, and why marriage should be treated as a lifelong commitment even when circumstances become difficult. Mark breaks down four practical ways husbands can protect the marriage covenant: provision, community, capacity, and lordship. Together, they examine what it means to provide for your family, choose a community that strengthens marriage, protect your wife's capacity, and lead your household with both humility and biblical authority. If you're a Christian husband or father thinking beyond yourself and trying to build a family legacy that can last for generations, this conversation is for you. Subscribe to Abraham's Wallet and share this episode with another husband or father who needs to hear it. Chapters (00:00:01) - The One Bond That Will Destroy Your Family(00:00:46) - Steve Manual: Marriage as a Covenant(00:02:16) - A Busy Season for Financial Planning(00:03:16) - Heavenly Baptism in Your 40s(00:07:29) - Protect the Marriage at All Costs(00:12:41) - What is a Covenant?(00:19:03) - How to Remember and Renew Our Covenants(00:20:28) - Human Covenants(00:26:02) - Malachi 2: Guard Your Joint Spirit(00:31:45) - How To Defend Your Wife's Covenant(00:35:22) - 4 Things That Are Important to Protect The Marriage Covenant(00:40:47) - What Happens in Your Church Community When Marriage Is in Crisis?(00:47:18) - Third, Third Word: Capacity(00:52:14) - 4 Signs That the Covenant is Under Attack(00:54:37) - God's Covenant with Married PeopleHelp us equip more biblical bosses!: https://abrahamswallet.com/support AW website | YouTube | Instagram | Facebook | LinkedIn

In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer listener questions on planning for mini-retirements, changing career into financial planning, accessing pensions with a guaranteed annuity rate, and whether to take tax-free cash from a defined benefit pension. They also discuss how to manage inherited money for children approaching financial independence, including ISAs, Junior SIPPs, university costs and future house deposits. Finally, they look at saving and investing alongside the NHS Pension, including using a Stocks and Shares ISA, SIPP contributions and higher-rate tax relief. A practical UK personal finance discussion covering pensions, retirement planning, investing, student loans and long-term wealth building. Shownotes: https://meaningfulmoney.tv/QA59  07:17  Question 1 Hi guys, Financial infrastructure and policy in the UK is built around to support (and likely encourage/enforce) the "standard" life of consistently working for 40 years and then stopping altogether. State and private pensions accessible around age 60, Lifetime ISAS, compounding growth of stocks etc. For various reasons, my wife and I (both 32) don't want to do this. We are in the fortunate position where we can take months or years off at a time and plan to do this several times throughout our lives. We know this means our earning potential and growth will be lower and that we may not end up with as large a pension as we could have. But we may also end up having some sort of income until we're much older. Question: what if anything can people do with today's accounts/tax advantages/schemes to enable this type of lifestyle? Hypothetical question: what type of infrastructure could the government introduce to enable this? How about a "pension" you can take at any time up to some cap per year and only for X years in a row? Given fewer jobs now require physical use of our bodies (and hence 60 may no longer be a necessary stopping point), could we see more people "working" off and on until 70 or 80? Tom   15:36  Question 2 Hi Pete and Roger First of all, thank you for the valuable conversations you bring to listeners. I'm a 32-year-old with a strong interest in personal finance and investing, and I would describe myself as financially literate and proactive in managing my own money. I currently feel I've been underestimating my potential and would like to pivot into financial services. I'm considering self-funding qualifications such as the LP2 (Financial Services – General Route) as a starting point, followed by the RQF Level 4 Diploma in Financial Planning. Do you think starting this pathway at 32 is realistic, or have I left it too late to successfully transition into the industry? Thanks, Darren. G   19:36 Question 3 Hello Pete and Roger, Firstly, I very much enjoy listening to your podcast whilst doing my weekly walks. I currently live in Australia and will be returning to the UK in 6 months to live near my family and will be turning 55 at the same time. My question is: I have a Defined Contribution pension, valued at 70K with a GAR. I am legally required to get IFA before I can drawdown, UFPLS, lump sum etc. There appears to be an exception to this mandatory requirement if I take an annuity. Is this correct? If it is, would this also apply to a fixed term annuity? Secondly, what options do I have to access my pension if no financial advisor is keen to take me on as a client and sign the 'advice taken' form that is required by my pension provider. My provider (Royal London) has said that the advice doesn't have to be positive or negative to what I want to do, I just have to show that I at least went through the procedure. Thanks for your help. Regards Brett   27:08 Question 4 Dear Pete and Rog, Thank you so much for the wealth of wisdom you share with us all - it has helped my family towards a more secure and planned future.  I'm not an expert but as the future recipient of a few small DB pensions I have a question. You often infer Defined Benefit pensions are "solid gold", implying they should be preserved at all costs. I want to challenge your strong preference to avoid taking the 25% tax free cash (Pension Commencement Lump Sum (PCLS)). Isn't it "dangerous" to not clarify the commutation rate more explicitly?  On one hand, with a poor commutation rate isn't the member effectively "selling" inflation-linked, guaranteed income far too cheaply? On the other, with an attractive commutation, by taking the 25% tax-free cash "off the table," a member can: 1. Eliminate mortality risk: If they die early, that cash stays with the family; the DB income disappears. 2. Manage Tax Drag: Using the PCLS to bridge to state pension age can keep a retiree in the basic rate band rather than being pushed into higher rates by a full DB payout. 3. Seek Outperformance: While DB is index-linked, a well-allocated ISA can historically outperform inflation over the long term. Why do you treat the PCLS as a "loss" of income rather than a strategic "de-risking" of the pension asset? Thanks for clarifying - because I think I must be missing something. Gareth   31:55 Question 5 Hi Pete and Roger, I started listening to the podcast when I began Couch to 5K, and it's been really helpful. It also makes me feel quite virtuous, like I'm improving both my health and finances at the same time! I'd value your thoughts on managing money for a child who is approaching financial independence. I'm the trustee for my 16-year-old daughter, who inherited directly from a relative. She has £140k in total, with 42% in cash savings, 46% in investments (mainly low cost global tracker) and 12% in a junior SIPP (also in global trackers). I'm moving as much as possible into ISA wrappers annually. I don't currently plan to add further to the SIPP. She is aware that there is a "good amount" of money saved for her but not actual figures yet and it is referred to as money for a house deposit. I plan to start involving her more directly in managing it from age 17, although we already talk regularly about money and financial habits. She's academic and likely to go to university although also considering degree apprenticeships. She wants a high paying career but has no idea what career yet! A few things I'd really value your perspective on: How should I think about asset allocation? I'm not risk averse and feel like there's too much in cash but mindful that she will be in control in 2 years and may want to use some of the money in the short term, e.g. for university, car, travelling etc. Would you lean towards encouraging her to fund university costs rather than taking out a student loan if she goes, given that under the new plan around 80% are expected to repay their loans in full? At least there would be less available to fritter away or spend on a red Lamborghini! Or keep it invested and position it more clearly as a future house deposit? And finally I have an 11-year-old in the same position. Given the longer time horizon, would you do anything different now in terms of structure, investment approach, or how and when to involve them? Thanks so much — I'd really appreciate your thoughts. Beth   42:51  Question 6 Hi both, hope you're well. I am 28 , working full time in the NHS. My partner and I bought our first home just before Christmas.  I have an emergency fund in an easy access account as well as putting 10% of my salary into a S&S ISA each month which I plan to use to bridge the gap between retirement and access to my NHS Pension. I also recently moved into the 40% tax bracket and so opened a SIPP which I put another 5% of my salary into each month. Any other savings go into high yield interest accounts/ISAs.  I just wanted to ask, is there anything else I should be doing with my money or is it simply a case of keep at it now?  Thanks a lot, Joe  

Sure, you own index funds. But 99% of portfolios have a "shade of gray" that's more active than we realize. This episode dives into the "shades of gray" in passive investing and how they affect our portfolios and benchmarks.  Looking for a financial planner?  → PlanWithJesse.com Jesse explores an important distinction that many investors overlook: owning passive funds does not necessarily mean you have a passive portfolio. He explains why passive investing remains a strong strategy, using research on the small number of stocks responsible for most market returns, the drag created by active-management fees, and the difficulty of separating investment skill from luck. From there, Jesse examines how allocation choices—such as favoring U.S. stocks, concentrating in technology, or tilting toward small-cap and value stocks—represent active decisions even when implemented entirely with index or rules-based funds. He then connects those decisions to benchmarking, explaining why investors need relevant benchmarks that reflect their portfolio's asset classes, geography, risk, and intended strategy. Ultimately, Jesse argues that investors should understand where their portfolios deviate from the broader market and use thoughtful benchmarks to determine whether those choices are delivering the results and risks they intended. Key Takeaways: • Beating the market is possible, but the odds are not 50/50. Stock returns are highly skewed, with a relatively small percentage of companies responsible for much of the market's long-term performance. • Diversification increases the odds of owning the market's relatively few major winners. Trying to identify those winners beforehand creates a difficult stock-picking problem. • Investment success can be difficult to distinguish from luck. Even when someone beats the market, determining whether that performance resulted from repeatable skill is challenging. • Nearly every investor has some degree of active allocation. A theoretically pure passive portfolio would hold the global investable universe according to its market weights, something that is difficult to replicate completely. • Deviating from global market weights is not inherently wrong. The important issue is understanding where and why your portfolio deviates rather than making those bets unknowingly. • The right benchmark should resemble the investment being evaluated. Asset class, geography, risk level, and the investment's intended purpose all matter when selecting a benchmark. Key Timestamps: (2:22) – You Can Beat the Market, But... (5:12) – Stock Performance Is Skewed (7:44) – Fees Make Beating the Market Harder (9:00) – Luck or Skill? (Usually Luck) (11:43) – Not All Funds Are Created Equal (14:23) – Consider the Allocation (19:48) – Are You a True Passive Investor? (22:55) – Risk Is Fungible (23:39) – You Probably Have Active Allocation (25:15) – What Is Investment Benchmarking? (29:30) – Absolute Investing Benchmarks (35:20) – The Benchmark You Should Use (38:40) – Conclusion Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/fewer-needles-bigger-haystack/ https://bestinterest.blog/the-needle-in-the-haystack/   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

The conversation covers a range of financial topics, including year-end financial planning, transitioning to a financial advisory career, the importance of financial literacy and planning, financial planning in your 40s and 50s, balancing finances and life decisions, money as a tool for self-care, and the concept of generosity and financial blessings. The conversation delves into the challenges faced by women in understanding and managing finances, highlighting the lack of exposure to financial discussions in families. It also emphasizes the importance of women's involvement in financial planning and decision-making, especially in the context of retirement and long-term financial security.TakeawaysLongevity and financesGenerosity and financial blessings Financial literacy in womenInvolvement in financial planningChapters00:00 Preparing for Fall and Year-End Financial Planning03:03 Transitioning to Financial Advisory Career06:09 The Importance of Financial Literacy and Planning08:01 Financial Planning in Your 40s and 50s09:45 Balancing Finances and Life Decisions13:01 Money as a Tool for Self-Care17:00 Generosity and Financial Blessings22:24 The Challenge of Financial Literacy29:44 The Importance of Involvement in Financial PlanningLearn more about Lisa Clements and the ways she can empower your fiances For support with hormones, metabolism, breast health, digestion, and whole-body wellness, visit DanaIrvine.com and book a Health Clarity Call.Subscribe to the Wise Divine Women Podcast, leave a review, and share this episode with a woman who is ready to stop fighting her body and start understanding it. 

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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

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

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

Send us Fan MailJoin me for the 4th Birthday celebration of the Retiring With Enough podcast.In this podcast I list and discuss the five most listened to podcasts from Retiring With Enough during the last four years.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

HOW DOES MARYLAND'S NEW TRANSFER-ON-DEATH DEED WORK? WATCH ON YOUTUBE TESSA HALL Media and Communications Specialist NICOLE LIVINGSTON Partner at McKenna Russo About This Episode Beginning October 1, 2026, Maryland homeowners will have a new estate-planning option for transferring real estate after death: the transfer-on-death deed. In this episode of Healthy, Wealthy & Wise, Tessa Hall speaks with estate planning attorney Nicole Livingston about how Maryland's new transfer-on-death deed works, how it may help homeowners avoid probate, and some of the complications homeowners should understand before using one. Nicole discusses multiple beneficiaries, conflicts between a deed and a will, Medicaid liens, and how transfer-on-death deeds compare with life estate deeds and revocable trusts. The new option may appear straightforward, but decisions involving real estate and estate planning can have consequences that extend well beyond completing a form. Explore how BWFA can help you plan for your financial future by visiting our Financial Planning page. Frequently Asked Questions About Maryland Transfer-on-Death Deeds What is a transfer-on-death deed in Maryland? A transfer-on-death deed allows a Maryland homeowner to designate a beneficiary who will receive the property after the homeowner's death without the property passing through probate. The new Maryland law takes effect on October 1, 2026. Nicole explains that estate planning attorneys have previously used tools such as life estate deeds and revocable trusts to accomplish similar probate-avoidance goals. What happens if you name multiple beneficiaries? Naming multiple beneficiaries may create complications for ownership and estate planning. Nicole explains that under the new Maryland statute, beneficiaries named without additional ownership language default to joint ownership with rights of survivorship. That distinction can affect what happens if one beneficiary dies before the homeowner and may produce a different result than the homeowner intended. Does the deed override a will in Maryland? Yes. According to Nicole, the deed controls the transfer of the property even when a will provides different instructions. For example, a will might divide an estate equally between two children while the deed names only one child as beneficiary of the home. In that situation, Nicole explains that the beneficiary named on the deed receives the property. How could this new option affect Medicaid planning? The new deed can interact with Medicaid and estate recovery rules, so homeowners should consider those consequences before using one. Nicole explains that the arrangement does not prevent Maryland from enforcing an applicable Medicaid estate recovery lien against the property. The appropriate strategy may depend on the homeowner's circumstances, marital status, and long-term care planning. Should you prepare the deed without an attorney? Although Maryland's new law is intended to make the process accessible to people without an attorney, mistakes can have significant consequences. Nicole identifies incorrectly describing the property and misunderstanding the effects of naming multiple beneficiaries as two potential problems. Because a home is often a substantial asset, she recommends seeking legal assistance before preparing the deed.  

Stay informed on current events, visit www.NaturalNews.com  - Interview with Billy Bond on Off-Grid Living (0:11) - Special Report on Trump's False Claims About Venezuelan Oil Deal (0:52) - Course on Unbreakable Genetic Survival (11:13) - Detailed Analysis of Venezuelan Oil Deal (11:36) - Challenges of Extracting and Processing Venezuelan Oil (13:10) - Impact of Venezuelan Oil on U.S. Refineries and Gas Prices (16:13) - Moral and Ethical Implications of the Venezuelan Oil Deal (34:45) - Interview with Billy Bond on Permaculture and Sustainable Living (36:03) - Scrapsteading and Resourcefulness (63:25) - Health and Nutrition in a Decentralized World (70:18) - Scalar Testing and Lab Scientists (73:44) - Device Testing and Pollinators (77:56) - Lubka Farm and Biocomplete Compost (80:53) - Nutritionally Modifiable DNA Repair (84:44) - Permaculture and Food Forests (88:42) - Sovereign Health Summit and Mount Readiness (89:00) - Comfrey and Deer Repellent (91:57) - Solar Panels and Electric Skid Steers (99:38) - Preparedness and Practical Skills (108:19) - Financial Planning and UNAs (125:29) - Genetic Survival Course (130:25) - DNA Repair and Anti-Aging (140:57) - Protection Against Radiation and Environmental Factors (142:47) - Nutritional Solutions and Nanotechnology (144:36) - Course Details and Benefits (145:27) Watch more independent videos at http://www.brighteon.com/channel/hrreport  ▶️ Support our mission by shopping at the Health Ranger Store - https://www.healthrangerstore.com ▶️ Check out exclusive deals and special offers at https://rangerdeals.com ▶️ Sign up for our newsletter to stay informed: https://www.naturalnews.com/Readerregistration.html Watch more exclusive videos here:

Companies have gotten frighteningly good at removing friction from spending. One click, stored payment info, a box on your porch before you've even had time to regret the purchase. Today's episode flips that same idea around: what if you engineered your own financial life the same way, making good decisions the path of least resistance and bad decisions just annoying enough to make you pause? Joe and OG close out Financial Action Month with a genuinely useful framework for building systems that work even on the days your willpower doesn't show up.What You'll Walk Away WithWhy discipline isn't a personality trait, it's a system you build once instead of a decision you make every dayA simple "make it easy or make it hard" test you can apply to any financial habit, from retirement savings to late-night online shoppingWhy automating your savings rate removes the single biggest source of decision fatigue in a financial planA smarter way to handle windfalls and bonuses, deciding your split between saving, debt, and fun once a year instead of every single timeWhy canceling a subscription is deliberately made difficult, and the workaround that neutralizes itA four-step "financial action ladder" for turning financial knowledge into permanent, lasting habitsWhy waiting a day before a big purchase, and other small friction points, can save you from regret without requiring any extra willpowerWhy This Matters NowKnowing what to do with your money has never really been the hard part. The hard part is doing it consistently, especially when life gets busy, stressful, or just plain boring. Building your environment so the smart choice is also the easy choice takes the daily grind of willpower out of the equation entirely. That's not a lack of discipline, it's actually the most disciplined move available: deciding once, automating it, and letting the system do the work every day after that.From the BasementA goofy but genuinely fun "make it easy or make it hard" game plays out across everything from emergency funds to concert tickets, and a National Trail Mix Day detour delivers exactly the kind of nonsense only this show could make delightful.Resources MentionedStacko Financial Action Month board — the interactive game with a money move for each squareStacking Benjamins Field Kit — the all-in-one financial organization and subscription-canceling toolProfit First by Mike Michalowicz — the book referenced on flipping the save-then-spend defaultSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Managing money shouldn't be complicated—but for many high earners, the traditional wealth management system feels more like a maze than a roadmap to success. In this episode of The Greatness Machine, Darius sits down with Adam Dell, founder of Domain Money, to explore how financial planning can be simplified for high-earning professionals. Adam shares insights on why traditional wealth management often falls short, the importance of a clear financial roadmap, and how Domain Money is transforming the industry with a transparent, flat-fee approach. In this episode, Darius and Adam will discuss: (00:00 Introduction to Adam Dell and His Journey (04:45) The Evolution of Entrepreneurship (10:12) Navigating Exits and Corporate Transitions (14:58) The Importance of Feedback and Iteration (19:55) Diverse Ventures and Problem Solving (24:50) Wealth Management and Domain Money's Mission (27:20) The Evolution of Wealth Management (30:06) Understanding Domain Money's Target Audience (33:47) Differentiating Domain Money from Traditional Advisors (40:11) The A La Carte Approach to Financial Planning (44:55) Navigating Investment Decisions and Market Trends (49:12) Future Aspirations for Domain Money Adam Dell is the Founder and CEO of Domain Money and a serial entrepreneur with four successful exits, including Clarity Money (Goldman Sachs), MessageOne (Dell), Buzzsaw (Autodesk), and Civitas Learning (Francisco Partners). Previously a partner at Goldman Sachs, he led product development for Marcus by Goldman Sachs, launching Marcus Invest, Marcus Checking, and Marcus Insights. Adam has also served as an adjunct professor at Columbia Business School and the University of Texas School of Law. He holds a B.A. from Tulane University and a law degree from the University of Texas. Connect with Adam: Website: https://www.domainmoney.com/  LinkedIn: https://www.linkedin.com/in/adamdell/  Twitter: https://x.com/adamdell  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine  Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness.

This month, Peter and Jeff take on the United States' $40 trillion national debt, discussing how we got here, what it could mean for the economy and whether AI-fueled growth could offer a way out. Plus, get their tips of the month for helping children and grandchildren get a financial head start. Hosted by Creative Planning's Director of Financial Planning, Jeff Stolper, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won't want to miss each of their monthly tips! Important Legal Disclosure: creativeplanning.com/important-disclosure-information/ Have questions or topic suggestions? Email us @ podcasts@creativeplanning.com

What does financial planning actually mean beyond managing an investment portfolio? Jeremiah Bates and Nic Daniels are joined by Bob Ruelle, Senior Vice President of Financial Planning at Apollon Wealth Management, to walk through how an experienced planner approaches a client's entire financial picture. Bob explains why good planning starts with understanding a person's goals, lifestyle, concerns and priorities before recommending anything—and why the financial plan itself should ultimately be the benchmark for whether a strategy is working. The guys cover tax planning, Roth conversions, retirement withdrawal strategies, RMDs, Social Security, Medicare IRMAA, insurance, risk management and estate planning—and, more importantly, how those decisions affect one another. Bob explains why a good financial plan organizes your finances, while a great one connects them, prioritizes the biggest opportunities and continues evolving as life changes. Later, they discuss common estate-planning mistakes, including outdated trusts and assets that were never properly titled. A caller whose husband is incapacitated after a bicycle accident brings the importance of powers of attorney and incapacity planning into real life. And to wrap it up, whether it can make sense to give children part of their inheritance while you're still alive, including annual gift exclusions, gift-tax reporting, appreciated property, cost basis and the tradeoffs between gifting assets now versus leaving them at death.   Listen, Watch, & Connect! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

There are more millionaires than ever, but is $1 million still enough to retire comfortably? In this episode of Wise Money, we break down what it really means to be a millionaire in 2026, the habits that consistently build long-term wealth, and why your net worth alone doesn't tell the whole story. You'll also learn how automatic investing, living below your means, managing debt, and giving your money time to grow can move you toward financial independence.  Season 12, Episode 2 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.   Watch this episode on YouTube: https://youtu.be/b9e4izivV48  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. This video may discuss estate planning concepts but does not constitute legal advice. Please consult an attorney for advice specific to your situation. 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.

How much national debt is too much? We start with a listener question inspired by an economics lesson from the 1970s, comparing the nation's debt with the size of the economy and discussing what could signal that the debt burden is becoming harder to sustain. We also examine the bond market's role in keeping government borrowing in check and what could eventually threaten the U.S. dollar's status as the world's dominant reserve currency.Then, Henssler Mortgage Advisors' Shanna Squires joins us to break down mortgage rate buydowns. From paying points for a permanently lower rate to temporary buydowns and seller concessions, we look at what buyers are actually paying for, what goes in to calculating your break-even point, and why plans to sell or refinance can change the equation.Finally, a listener considering a sizable charitable gift asks whether it makes more sense to donate cash or highly appreciated stock. We explore the potential tax advantages of donating appreciated securities, why selling the stock first can change the outcome, and whether donating the shares and then buying the investment back could provide an opportunity to reset cost basis while maintaining market exposure.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 August 29, 2026  |  Season 40, Episode 35Timestamps and Chapters6:51: $40 Trillion in Debt: How Worried Should We Be?25:16: Buying Down Mortgage Rates: Worth It or Waste?38:01: Turning Stock Gains into Charitable GivingFollow 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

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Ledwith. Founder of Scholar Ready, discussed how families can successfully prepare for college while minimizing or eliminating student loan debt. Drawing from her personal experience of graduating from college with minimal debt and her work helping students earn scholarships since 2004, she shared practical strategies for test preparation, scholarship acquisition, college planning, and financial decision-making. The conversation focused on the growing cost of higher education, the dangers of excessive student loan borrowing, and the importance of early planning for both students and parents. Purpose of the Interview The interview was designed to: Help families understand how to reduce college costs. Educate parents about scholarships, student loans, and financial planning. Explain the importance of test preparation in securing scholarships. Provide a roadmap for students seeking debt-free college graduation. Raise awareness about common misconceptions surrounding college affordability. Discuss how AI is affecting student preparedness and scholarship applications. Key Takeaways 1. College Planning Should Start Early Jennifer emphasized that waiting until a student reaches senior year can limit scholarship opportunities. The ideal preparation process begins during: Middle school Freshman year Sophomore year Junior year Early preparation creates more options and stronger scholarship opportunities. 2. Scholarships Require More Than Good Grades According to Jennifer, successful scholarship candidates typically excel in three critical areas: Academic performance Standardized test scores Strong personal essays Families often focus on only one area while neglecting the others. 3. Student Loan Debt Can Be Avoided A central message of the interview is that many students can significantly reduce or avoid debt through strategic planning. This includes: Applying for scholarships early Understanding college costs Preparing for admissions exams Making financially sound college choices Jennifer built Scholar Ready specifically to help students accomplish those goals. 4. The Cost of College Requires Serious Financial Planning Jennifer compared paying for college to buying a home. She explained that families often spend months preparing for homeownership but approach college with far less planning despite similar costs. Her advice is to treat college as a major financial investment that requires preparation and professional guidance. 5. Not Every Expensive College Is the Best Financial Choice One of the myths Jennifer seeks to dispel is that private or out-of-state schools are always unaffordable. She explained that: Some private schools offer generous scholarships. Some out-of-state schools offer competitive aid packages. The actual cost may be lower than local options after scholarships are applied. Families should evaluate net cost rather than sticker price. 6. Parents Need Education Too Jennifer stressed that college planning isn't just for students. Parents need a clear understanding of: Scholarships Financial aid Loan options College affordability Long-term financial consequences Scholar Ready offers classes specifically designed to educate parents throughout the process. 7. Student Debt Is Becoming More Complex The interview explored changes in student lending and how borrowing limits can impact families. Jennifer noted that many students and parents are increasingly turning to private loans when federal aid falls short, often creating larger financial risks. 8. AI Can Become a Crutch Jennifer expressed concerns about students overusing artificial intelligence tools for writing assignments. While AI can support brainstorming and editing, excessive reliance can weaken: Writing skills Grammar skills Critical thinking Test performance Students eventually face standardized tests where AI cannot help them. 9. Standardized Tests Still Matter Despite changes in admissions practices, Jennifer believes strong SAT, ACT, and PSAT scores remain valuable, particularly when competing for scholarship dollars. Test preparation continues to play a significant role in scholarship success. 10. Different Families Need Different Solutions Scholar Ready offers multiple service options because every family enters the process with different: Timelines Goals Budgets Academic needs Jennifer believes effective college planning must be customized rather than one-size-fits-all. Key Themes Debt-Free College The interview centers on helping students graduate without burdensome student loan debt. Education as an Investment Jennifer encourages families to view college planning as a long-term financial strategy rather than a last-minute decision. Parent Involvement Parents play a crucial role in preparing students emotionally, academically, and financially. Preparation Creates Opportunity Students who prepare earlier gain access to more scholarship opportunities and better outcomes. Financial Literacy Understanding the financial side of higher education is just as important as academic preparation. Notable Quotes On Her Mission "I wanted to help students do the same thing that I did, which was to graduate from college with little to no student loan debt." On Rising College Costs "The household incomes are not keeping up with the rising cost of college." On College Planning "We need to take that same approach when it comes to college." On Scholarships "The grades, the essays and the test scores have to be on point." On Private Schools "Don't apply to a school out of state, don't apply to a private college because those colleges are going to be too much. No, not necessarily." On Scholarship Strategy "Do not start there. Start at the college or university." On AI "They've been using AI as a crutch." On Standardized Testing "There is no AI on the test." On Preparation "We're starting early." On Student Success "I am trying to pour that into my younger students." Success Highlights Founded Scholar Ready in 2004. Helped students earn scholarships and reduce college debt. Built a nationwide educational services company. Developed programs for both students and parents. Expanded services to include test preparation, essay coaching, and college planning. Studied personal financial planning and became a Certified Financial Planner to better serve families. Bottom Line Jennifer Ledwith's interview provides a practical roadmap for families seeking a more affordable path to higher education. Her message is clear: the rising cost of college requires intentional planning, early preparation, and informed decision-making. Through scholarship strategies, academic preparation, parent education, and financial literacy, students can significantly reduce debt and increase their opportunities for long-term success. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Everybody likes to believe they're too smart for marketing. Companies spend billions of dollars putting jingles and slogans in our heads anyway, and this episode puts that theory to the test. Paula Pant, Len Penzo, and OG face off in a rapid-fire game: Doug reads a slightly modified version of a famous advertising slogan, and they have to name the brand. What follows is a genuinely fun, surprisingly competitive round that proves just how deep this stuff sits in all of our brains, whether we like it or not. This one's a Greatest Hits favorite, originally recorded back in 2020, and the game holds up exactly as well today.What You'll Walk Away WithA fast-paced, genuinely fun game you can replay in your own head (or with friends on a road trip) testing how many classic slogans you actually rememberA real discussion on how much advertising quietly shapes what we believe is smart to buy, invest in, or trust with our moneyA candid conversation about pieces of financial advice that used to be gospel and don't hold up anymore, including homeownership as an automatic wealth-builder and the old "100,000 miles and it's time for a new car" ruleA memorable real-world story about how deeply brand loyalty can override even a clearly better financial decisionA reminder that good financial advice isn't about memorizing fixed rules, it's about regularly checking whether those rules still fit your actual lifeWhy This Matters NowIt's easy to assume you make financial decisions purely on logic. But brand recognition, catchy slogans, and decades of repeated marketing messages shape more of our buying and money decisions than most of us would like to admit. Recognizing that influence doesn't mean living in constant suspicion of every ad you see. It means occasionally asking whether a belief about money, homeownership, cars, insurance, college, is something you actually decided, or something you absorbed because you heard it enough times to assume it was true.From the BasementA wildly competitive slogan showdown ends with a last-to-first comeback, plus a genuinely great story about a five-year-old spotting a McDonald's from the top of the Empire State Building at the exact wrong (or right) moment.Resources MentionedAfford Anything podcast — Paula Pant's showLenPenzo.com — Len Penzo's site, including his sister blog, The Persistent ItchStacking Benjamins Field Kit — the all-in-one financial organization tool referenced in the updated introSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Ledwith. Founder of Scholar Ready, discussed how families can successfully prepare for college while minimizing or eliminating student loan debt. Drawing from her personal experience of graduating from college with minimal debt and her work helping students earn scholarships since 2004, she shared practical strategies for test preparation, scholarship acquisition, college planning, and financial decision-making. The conversation focused on the growing cost of higher education, the dangers of excessive student loan borrowing, and the importance of early planning for both students and parents. Purpose of the Interview The interview was designed to: Help families understand how to reduce college costs. Educate parents about scholarships, student loans, and financial planning. Explain the importance of test preparation in securing scholarships. Provide a roadmap for students seeking debt-free college graduation. Raise awareness about common misconceptions surrounding college affordability. Discuss how AI is affecting student preparedness and scholarship applications. Key Takeaways 1. College Planning Should Start Early Jennifer emphasized that waiting until a student reaches senior year can limit scholarship opportunities. The ideal preparation process begins during: Middle school Freshman year Sophomore year Junior year Early preparation creates more options and stronger scholarship opportunities. 2. Scholarships Require More Than Good Grades According to Jennifer, successful scholarship candidates typically excel in three critical areas: Academic performance Standardized test scores Strong personal essays Families often focus on only one area while neglecting the others. 3. Student Loan Debt Can Be Avoided A central message of the interview is that many students can significantly reduce or avoid debt through strategic planning. This includes: Applying for scholarships early Understanding college costs Preparing for admissions exams Making financially sound college choices Jennifer built Scholar Ready specifically to help students accomplish those goals. 4. The Cost of College Requires Serious Financial Planning Jennifer compared paying for college to buying a home. She explained that families often spend months preparing for homeownership but approach college with far less planning despite similar costs. Her advice is to treat college as a major financial investment that requires preparation and professional guidance. 5. Not Every Expensive College Is the Best Financial Choice One of the myths Jennifer seeks to dispel is that private or out-of-state schools are always unaffordable. She explained that: Some private schools offer generous scholarships. Some out-of-state schools offer competitive aid packages. The actual cost may be lower than local options after scholarships are applied. Families should evaluate net cost rather than sticker price. 6. Parents Need Education Too Jennifer stressed that college planning isn't just for students. Parents need a clear understanding of: Scholarships Financial aid Loan options College affordability Long-term financial consequences Scholar Ready offers classes specifically designed to educate parents throughout the process. 7. Student Debt Is Becoming More Complex The interview explored changes in student lending and how borrowing limits can impact families. Jennifer noted that many students and parents are increasingly turning to private loans when federal aid falls short, often creating larger financial risks. 8. AI Can Become a Crutch Jennifer expressed concerns about students overusing artificial intelligence tools for writing assignments. While AI can support brainstorming and editing, excessive reliance can weaken: Writing skills Grammar skills Critical thinking Test performance Students eventually face standardized tests where AI cannot help them. 9. Standardized Tests Still Matter Despite changes in admissions practices, Jennifer believes strong SAT, ACT, and PSAT scores remain valuable, particularly when competing for scholarship dollars. Test preparation continues to play a significant role in scholarship success. 10. Different Families Need Different Solutions Scholar Ready offers multiple service options because every family enters the process with different: Timelines Goals Budgets Academic needs Jennifer believes effective college planning must be customized rather than one-size-fits-all. Key Themes Debt-Free College The interview centers on helping students graduate without burdensome student loan debt. Education as an Investment Jennifer encourages families to view college planning as a long-term financial strategy rather than a last-minute decision. Parent Involvement Parents play a crucial role in preparing students emotionally, academically, and financially. Preparation Creates Opportunity Students who prepare earlier gain access to more scholarship opportunities and better outcomes. Financial Literacy Understanding the financial side of higher education is just as important as academic preparation. Notable Quotes On Her Mission "I wanted to help students do the same thing that I did, which was to graduate from college with little to no student loan debt." On Rising College Costs "The household incomes are not keeping up with the rising cost of college." On College Planning "We need to take that same approach when it comes to college." On Scholarships "The grades, the essays and the test scores have to be on point." On Private Schools "Don't apply to a school out of state, don't apply to a private college because those colleges are going to be too much. No, not necessarily." On Scholarship Strategy "Do not start there. Start at the college or university." On AI "They've been using AI as a crutch." On Standardized Testing "There is no AI on the test." On Preparation "We're starting early." On Student Success "I am trying to pour that into my younger students." Success Highlights Founded Scholar Ready in 2004. Helped students earn scholarships and reduce college debt. Built a nationwide educational services company. Developed programs for both students and parents. Expanded services to include test preparation, essay coaching, and college planning. Studied personal financial planning and became a Certified Financial Planner to better serve families. Bottom Line Jennifer Ledwith's interview provides a practical roadmap for families seeking a more affordable path to higher education. Her message is clear: the rising cost of college requires intentional planning, early preparation, and informed decision-making. Through scholarship strategies, academic preparation, parent education, and financial literacy, students can significantly reduce debt and increase their opportunities for long-term success. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Ledwith. Founder of Scholar Ready, discussed how families can successfully prepare for college while minimizing or eliminating student loan debt. Drawing from her personal experience of graduating from college with minimal debt and her work helping students earn scholarships since 2004, she shared practical strategies for test preparation, scholarship acquisition, college planning, and financial decision-making. The conversation focused on the growing cost of higher education, the dangers of excessive student loan borrowing, and the importance of early planning for both students and parents. Purpose of the Interview The interview was designed to: Help families understand how to reduce college costs. Educate parents about scholarships, student loans, and financial planning. Explain the importance of test preparation in securing scholarships. Provide a roadmap for students seeking debt-free college graduation. Raise awareness about common misconceptions surrounding college affordability. Discuss how AI is affecting student preparedness and scholarship applications. Key Takeaways 1. College Planning Should Start Early Jennifer emphasized that waiting until a student reaches senior year can limit scholarship opportunities. The ideal preparation process begins during: Middle school Freshman year Sophomore year Junior year Early preparation creates more options and stronger scholarship opportunities. 2. Scholarships Require More Than Good Grades According to Jennifer, successful scholarship candidates typically excel in three critical areas: Academic performance Standardized test scores Strong personal essays Families often focus on only one area while neglecting the others. 3. Student Loan Debt Can Be Avoided A central message of the interview is that many students can significantly reduce or avoid debt through strategic planning. This includes: Applying for scholarships early Understanding college costs Preparing for admissions exams Making financially sound college choices Jennifer built Scholar Ready specifically to help students accomplish those goals. 4. The Cost of College Requires Serious Financial Planning Jennifer compared paying for college to buying a home. She explained that families often spend months preparing for homeownership but approach college with far less planning despite similar costs. Her advice is to treat college as a major financial investment that requires preparation and professional guidance. 5. Not Every Expensive College Is the Best Financial Choice One of the myths Jennifer seeks to dispel is that private or out-of-state schools are always unaffordable. She explained that: Some private schools offer generous scholarships. Some out-of-state schools offer competitive aid packages. The actual cost may be lower than local options after scholarships are applied. Families should evaluate net cost rather than sticker price. 6. Parents Need Education Too Jennifer stressed that college planning isn't just for students. Parents need a clear understanding of: Scholarships Financial aid Loan options College affordability Long-term financial consequences Scholar Ready offers classes specifically designed to educate parents throughout the process. 7. Student Debt Is Becoming More Complex The interview explored changes in student lending and how borrowing limits can impact families. Jennifer noted that many students and parents are increasingly turning to private loans when federal aid falls short, often creating larger financial risks. 8. AI Can Become a Crutch Jennifer expressed concerns about students overusing artificial intelligence tools for writing assignments. While AI can support brainstorming and editing, excessive reliance can weaken: Writing skills Grammar skills Critical thinking Test performance Students eventually face standardized tests where AI cannot help them. 9. Standardized Tests Still Matter Despite changes in admissions practices, Jennifer believes strong SAT, ACT, and PSAT scores remain valuable, particularly when competing for scholarship dollars. Test preparation continues to play a significant role in scholarship success. 10. Different Families Need Different Solutions Scholar Ready offers multiple service options because every family enters the process with different: Timelines Goals Budgets Academic needs Jennifer believes effective college planning must be customized rather than one-size-fits-all. Key Themes Debt-Free College The interview centers on helping students graduate without burdensome student loan debt. Education as an Investment Jennifer encourages families to view college planning as a long-term financial strategy rather than a last-minute decision. Parent Involvement Parents play a crucial role in preparing students emotionally, academically, and financially. Preparation Creates Opportunity Students who prepare earlier gain access to more scholarship opportunities and better outcomes. Financial Literacy Understanding the financial side of higher education is just as important as academic preparation. Notable Quotes On Her Mission "I wanted to help students do the same thing that I did, which was to graduate from college with little to no student loan debt." On Rising College Costs "The household incomes are not keeping up with the rising cost of college." On College Planning "We need to take that same approach when it comes to college." On Scholarships "The grades, the essays and the test scores have to be on point." On Private Schools "Don't apply to a school out of state, don't apply to a private college because those colleges are going to be too much. No, not necessarily." On Scholarship Strategy "Do not start there. Start at the college or university." On AI "They've been using AI as a crutch." On Standardized Testing "There is no AI on the test." On Preparation "We're starting early." On Student Success "I am trying to pour that into my younger students." Success Highlights Founded Scholar Ready in 2004. Helped students earn scholarships and reduce college debt. Built a nationwide educational services company. Developed programs for both students and parents. Expanded services to include test preparation, essay coaching, and college planning. Studied personal financial planning and became a Certified Financial Planner to better serve families. Bottom Line Jennifer Ledwith's interview provides a practical roadmap for families seeking a more affordable path to higher education. Her message is clear: the rising cost of college requires intentional planning, early preparation, and informed decision-making. Through scholarship strategies, academic preparation, parent education, and financial literacy, students can significantly reduce debt and increase their opportunities for long-term success. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Who inherits your IRA could matter just as much as what's in it. The SECURE Act changed the rules for inherited retirement accounts, while newer IRS regulations created additional planning opportunities for trusts and multiple beneficiaries. Richard Rosso & Jonathan McCarty break down IRA beneficiary designations, the 10-year distribution rule, trusts as retirement account beneficiaries, and why outdated estate plans can create unintended tax consequences. Plus, we explain how properly structured trusts and subtrusts may provide greater flexibility for spouses, children, and other heirs. Before assuming your will or trust has your retirement accounts covered, make sure your beneficiary strategy actually works the way you intend. 0:00 INTRO 0:20 - Nana Nun, teaser: Designating Beneficiaries Can Become a Nightmare 2:03 - Uber & Zipline drone delivery; Why the Young "have no money" 9:23 - Account Titling and Probate Avoidance 14:00 - Revocable Living Trusts 15:57 - Setting Beneficiaries on Assets 18:31 - How to Use TOD (Transfer on Death) 20:10 - Mistakes w IRA Beneficiaries 25:39 - The Benefits of Online Savings (adding/subtracting beneficiaries) 27:47 - Best Practices for Titling: Be Specific 29:46 - Naming Contingent Beneficiaries 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: https://youtube.com/live/GpH7q-IgPXs?feature=share -------- Watch our previous show, "Watch our previous show, "Nvidia Says the AI Boom Is Just Getting Started, " https://youtube.com/live/lGSWXLw9dPY " ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #EstatePlanning #InheritedIRA #RetirementPlanning #IRA #FinancialPlanning

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

Who inherits your IRA could matter just as much as what's in it. The SECURE Act changed the rules for inherited retirement accounts, while newer IRS regulations created additional planning opportunities for trusts and multiple beneficiaries. Richard Rosso & Jonathan McCarty break down IRA beneficiary designations, the 10-year distribution rule, trusts as retirement account beneficiaries, and why outdated estate plans can create unintended tax consequences. Plus, we explain how properly structured trusts and subtrusts may provide greater flexibility for spouses, children, and other heirs. Before assuming your will or trust has your retirement accounts covered, make sure your beneficiary strategy actually works the way you intend. 0:00 INTRO 0:20 - Nana Nun, teaser: Designating Beneficiaries Can Become a Nightmare 2:03 - Uber & Zipline drone delivery; Why the Young "have no money" 9:23 - Account Titling and Probate Avoidance 14:00 - Revocable Living Trusts 15:57 - Setting Beneficiaries on Assets 18:31 - How to Use TOD (Transfer on Death) 20:10 - Mistakes w IRA Beneficiaries 25:39 - The Benefits of Online Savings (adding/subtracting beneficiaries) 27:47 - Best Practices for Titling: Be Specific 29:46 - Naming Contingent Beneficiaries 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: https://youtube.com/live/GpH7q-IgPXs?feature=share -------- Watch our previous show, "Nvidia Says the AI Boom Is Just Getting Started, " https://youtube.com/live/lGSWXLw9dPY ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "The Smart Way to Pay for College," Thursday, September 3, 2026: https://streamyard.com/watch/mcE7YgphgMns --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #EstatePlanning #InheritedIRA #RetirementPlanning #IRA #FinancialPlanning

Industrial Talk is talking to Todd Villarrubia, Founding Partner at Wealth Planning Law Group about "Getting your industrial financial house in order". The Industrial Talk podcast episode features a discussion on the importance of financial planning for industrial businesses, particularly in the context of rapid industry changes and cybersecurity. Scott Mackenzie emphasizes the need for financial Sherpas to help compress the time required for financial research and planning. Todd Villarrubia, a 30-year tax attorney and founder of Wealth Planning Law Group, introduces the concept of "Entrepreneurial Beast Mode," which includes business structures, estate planning, asset protection, succession, and taxation. He highlights the benefits of comprehensive financial planning and the role of his virtual family office in providing expert advice to clients. The episode also touches on the importance of storytelling and building trust in business relationships. Outline Barcelona Cybersecurity Congress Announcement Scott introduces the Barcelona Cybersecurity Congress, emphasizing its importance for cybersecurity professionals.The event is scheduled for November 3-5 in Barcelona, with networking opportunities and expert discussions.Scott mentions their own involvement in the event, including broadcasting and discussions on cybersecurity.The Propane Education and Research Council is acknowledged as the sponsor of the podcast episode. Introduction to Industrial Talk Podcast Scott reiterates the podcast's focus on industrial innovations and the success of industry professionals.The podcast aims to celebrate industrial heroes and their contributions to solving problems and improving lives.Scott introduces Todd Villarrubia, the guest for the episode, and the topic of financial planning for industrial businesses. Importance of Financial Planning in Industry Scott discusses the necessity of financial planning for industrial businesses, especially in a fast-paced industry.The conversation highlights the need for financial Sherpas to help compress the time required for financial research and planning.Scott emphasizes the importance of building relationships and trust in the business world, especially in the context of social media and online engagement.The discussion touches on the human element in business, the need for trust, and the importance of telling authentic stories to build relationships. Building Trust and Relationships in Business Scott stresses the importance of being real and vulnerable in business interactions to build trust.The conversation explores the challenges of standing out in a crowded online space and the need for consistent, authentic storytelling.Scott shares personal experiences of receiving unsolicited messages and the importance of demonstrating genuine care for others' success.The discussion emphasizes the need for long-term resilience and the importance of telling customers' stories to foster mutual success. Introduction to Todd Villarrubia and Wealth Planning Law Group Scott introduces Todd Villarrubia, the founder of Wealth Planning Law Group, and his extensive experience as a tax attorney.Todd shares his background, including his role as a founding partner and his work with high-net-worth families through Fountainhead Global.The conversation touches on Todd's personal life, including his role as a father and the recent birth of Scott's grandchild.Scott and Todd discuss the importance of perseverance and overcoming challenges, both in personal and professional life. Entrepreneurial Beast Mode and Its Components Todd introduces the concept of Entrepreneurial Beast Mode, an acronym for Business Structures, Estate Planning, Asset Protection, Succession, and Taxation.The discussion highlights the importance of each component in comprehensive financial planning for entrepreneurs.Todd explains the benefits of proper business structures, such as Section 1202 of the tax code, and the importance of tax liability reduction.The conversation explores the role of estate planning as the foundation for financial planning and the need for ongoing updates due to changing laws and personal circumstances. Engagement Process and Client Relationships Todd outlines the initial engagement process, including a comprehensive intake form and a client information questionnaire.The discussion emphasizes the importance of understanding clients' priorities and developing a tailored plan of action.Todd explains the value of flat fee structures and the efficiency of their firm in executing plans.The conversation highlights the ongoing nature of client relationships and the need for regular updates and reviews. Fountainhead Global and Virtual Family Office Services Todd discusses the establishment of Fountainhead Global and its role in providing fractional family office services.The virtual family office model allows access to a network of vetted professionals in various fields, including legal, financial planning, tax, risk mitigation, and business advisory.The discussion explores the benefits of having a team of experts available to provide specialized advice and support.Todd emphasizes the importance of proactive engagement and the role of the virtual family office in facilitating expert connections. Challenges in Financial Planning and Estate Planning Todd identifies the biggest challenge in financial planning as getting people to act on their plans, especially due to the reluctance to discuss death and disability.The conversation explores the emotional and practical challenges of estate planning, including potential divisions within families.Todd highlights the importance of addressing these challenges and the benefits of having a comprehensive plan in place.The discussion emphasizes the need for ongoing communication and updates to ensure that financial plans remain relevant and effective. Final Thoughts and Contact Information Todd shares additional insights for high-net-worth individuals, emphasizing the importance of implementing family limited partnerships and dynasty trusts.The conversation concludes with contact information for Todd and Wealth Planning Law Group, encouraging listeners to reach out for financial planning advice.Scott thanks Todd for his participation and reiterates the importance of financial planning for industrial businesses.The episode ends with a call to action for listeners to connect with Todd and take steps to secure their financial future. If interested in being on the Industrial Talk show, simply contact us and let's have a quick conversation. Finally, get your exclusive free access to the Industrial Academy and a series on “Why You Need To Podcast” for Greater Success in 2026. All links designed for keeping you current in this rapidly changing Industrial Market. Learn! Grow! Enjoy! TODD VILLARRUBIA'S CONTACT INFORMATION: Personal LinkedIn:...

AI is transforming the technology industry, but it's also transforming how we think about energy. As AI models continue to grow, data centres continue to pop up, and agentic AI becomes part of everyday life, our tech infrastructure is consuming more energy than ever before. So how do we power the next generation of AI? In this penultimate episode of our HPE Labs miniseries celebrating 60 years of innovation, Technology Now is joined by Cullen Bash, Deputy Director of HPE Labs, to discuss:Why energy is becoming a strategic concern for CIOs and CEOsHow the increasing demand for compute in data centres is reshaping how we think about energyWhy innovation in electricity generation is as vital as making infrastructure more efficientHow AI could help solve the very problems it is creating

Before Mel Robbins became one of the most recognized names in personal development, she was $800,000 in debt, unemployed, and numbing the panic with bourbon most nights by six o'clock. She knew exactly what she needed to do to climb out. Knowing wasn't the problem. Taking the first step was. That gap, between knowing and doing, is exactly what this conversation is about, and it's why Mel's simplest tool, a five-second countdown and a high five in the mirror, has been validated by neuroscience, adopted by veterans' organizations treating PTSD, and linked to real behavior change in ways that go well beyond feel-good advice. This episode originally aired in 2021 and earned its spot in our Greatest Hits lineup because the core idea hasn't aged a day.What You'll Walk Away WithThe five-second rule Mel used to physically interrupt anxiety and get out of bed during her lowest financial pointWhy knowing what to do with your money is almost never the real obstacle, and what actually isThe surprising research linking high-fives among NBA teams to which teams went on to win championshipsWhy so many people feel resistance instead of relief the first time they try this exercise, and what that resistance is actually telling youThe neuroscience behind why a simple physical gesture can interrupt a negative thought spiral more effectively than positive self-talkWhy self-worth tied to a bank balance, a job title, or a number on a scale tends to collapse the moment things go wrongA genuinely surprising story about grief, intuition, and a decision that changed the direction of Mel's entire familyWhy This Matters NowYou probably already know several things you should be doing with your money right now. That's rarely the hard part. The hard part is closing the gap between knowing and doing, especially in moments of stress, shame, or overwhelm, exactly the moments financial setbacks tend to create. Building a habit of small, immediate self-support, showing up for yourself before you've accomplished anything, turns out to be one of the most overlooked tools for actually following through on the financial changes you already know you need to make.From the BasementA headline segment on modern, lower-fee annuities gets a healthy dose of skepticism, and a TikTok "wealth hack" involving margin loans gets thoroughly, hilariously debunked, a good reminder that not everything that sounds clever on social media survives contact with how markets actually work.Resources MentionedThe High 5 Habit by Mel Robbins — Mel's book on the science-backed daily practiceStacking Benjamins Field Kit — the all-in-one financial organization tool referenced in the updated introSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this summer replay, Roger talks with Dr. Daniel Crosby about learning what to ignore in an age of information overload. They explore how to filter financial advice, align decisions with your values, and focus your attention on what truly matters to your finances and your life. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN[00:00] Roger introduces this summer replay with Dr. Daniel Crosby and talks about his upcoming Social Security series. SUMMER REPLAY WITH DR DANIEL CROSBY[02:21] Roger revisits his conversation with Dr. Daniel Crosby about filtering out the noise competing for our attention.[09:18] Daniel explains how our spending can reveal whether our choices truly align with our stated values.[14:03] Roger and Daniel share four questions that can help determine whether information deserves our attention.CLOSING THOUGHTS[31:46] Roger looks ahead to the upcoming five-week Social Security series. REFERENCESThe Soul of Wealth by Dr. Daniel CrosbyDeep Work by Cal NewportThe Rational Optimist by Matt RidleySubmit a Question for RogerSign up for The Noodle

What happens when a client has enough money to retire, but no idea what they actually want retirement to look like?Ben Nemtin knows that problem better than most. After struggling with anxiety and depression at 19, he and three friends created a list of things they wanted to do before they died. That experiment eventually became The Buried Life and led to nearly two decades of studying purpose, regret, and what actually makes people feel alive.This week's conversation covers why some clients lose their sense of identity after retirement, why the habits that helped them build wealth can keep them from enjoying it, and how financial advisors can help clients get clearer on what all that money is actually for.3 Insights From This Week's Episode…1.) The Retirement Problem a Financial Plan Can't SolveClients can reach financial independence and still feel completely unprepared for the loss of structure, identity, relationships, and purpose that can come with leaving work. We explore why this transition can be harder than the numbers suggest.2.) Why Some Clients Never Feel “Rich Enough”Saving can become a lifelong default. Even when the plan says they're financially secure, some clients still struggle to spend on the experiences they spent decades working toward. That tension creates an important opportunity for advisors.3.) Trust Is Built Beyond The SpreadsheetClients don't only want to know whether their plan works. They want to know that their advisor understands what the money is actually for. Ben and I explore what advisors may be missing when those deeper conversations never happen.SPONSORED BY BELAYIf you're an advisor and you're still scheduling your own appointments, sending your own follow-up emails, or dealing with other tasks keeping you from bringing on other clients, you're the bottleneck. BELAY helps busy leaders find world-class Virtual Assistants who can take tasks off their plate, protect their time, and help them stay focused on the work that actually moves the business forward. Learn more about BELAY and find the right assistant for your business here: http://belaysolutions.com/dbdlSHOW NOTEShttps://bradleyjohnson.com/183FOLLOW 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. TO09265770638See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Money Meets Medicine, hosts Dr. Jimmy Turner and Certified Financial Planner (CFP) Justin Harvey tackle three listener questions from the Money Meets Medicine community. 1. Should residents pay extra on their student loans if they are in the new Repayment Assistance Plan (RAP)? 2. What are the financial considerations to make working part-time make sense?  3. If you are a parent (or plan to be), should you pay for your kid's college education? If you do, how can you make that work given the new federal student loan borrowing limits?Resources: Every doctor needs disability insurance.  Get it from a source you can trust: https://moneymeetsmedicine.com/disability    Are you a 1099, locums doc, K-1 partner, or business owner? You need a tax strategy team. Get 10% off working with Gelt, the team that Jimmy Turner personally uses here (Gelt): https://moneymeetsmedicine.com/CPA Looking to get a lower interest rate on your student loans? Check out Juno's unique student loan Group Negotiation process at https://moneymeetsmedicine.com/Juno  Not sure what to do with your student loans? Get $100 off a student loan consult: https://moneymeetsmedicine.com/loans Have questions of your own? Send them to Jimmy at Jimmy@moneymeetsmedicine.com  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

An "Ask Me Anything" episode including questions like: Effective tax rates or marginal tax rates…which one matters? I'm at my retirement number, but this stock market is too crazy…should I adjust my portfolio?  What about flexible spending rules in retirement? Which are good, which aren't, and how to use them in practice.  Looking for a financial planner?  → PlanWithJesse.com Jesse answers three listener questions about retirement planning and investing. He explains the difference between marginal and effective tax rates when making decisions about Roth conversions, traditional retirement contributions, and other tax-planning strategies. He then discusses how investors approaching financial independence should think about market valuations, the CAPE ratio, and portfolio allocation, emphasizing that changes should be driven by financial plans and cash flow needs rather than market predictions. Finally, Jesse explores dynamic withdrawal strategies in retirement, comparing guardrails, discretionary spending frameworks, and ratcheting techniques while offering practical guidance for creating flexible spending rules that balance long-term sustainability with real-life uncertainty.   Key Takeaways: • Effective tax rates describe your average tax burden, while marginal rates determine the cost or savings of your next financial decision. • Large Roth conversions may span multiple tax brackets, requiring a blended analysis of marginal rates rather than relying on an effective tax rate. • High market valuations and CAPE ratios have historically been associated with lower future returns, but they are not reliable market-timing tools. • Today's technology-driven economy may justify higher valuation levels than previous generations experienced, making historical comparisons imperfect. • Dynamic withdrawal strategies allow retirees to adjust spending based on portfolio performance rather than relying on fixed withdrawal amounts. • A successful retirement spending strategy combines disciplined planning with the flexibility to adapt as life and markets inevitably change. Key Timestamps: (01:31) – Q1: Should I Look at Marginal or Effective Tax Rates in Retirement? (10:07) – Q2: Making Asset Allocation Adjustments (16:29) – CAPE vs. Returns (22:36) – Q3: Dynamic Spending in Retirement (24:43) – Essential vs. Lifestyle Spending (28:07) – The Ratcheting Technique (31:16) – Five Steps for a Dynamic Withdrawal Strategy 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  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

What happens when you reach a certain level of success and realize the financial strategies you've been using may no longer fit where you are today?In this episode of Capability Amplifier, I sit down with Dana Cornell, founder of Cornell Capital Holdings, for a fascinating conversation about how successful business owners can think differently about taxes, investing, income, risk, and protecting what they've built.Dana has seen both sides of the financial world.He managed more than $1.4 billion at Morgan Stanley, served hundreds of clients, and eventually gained access to the advanced planning strategies being used with families at a very different level of wealth.What he saw changed the direction of his career.Dana realized there was an enormous difference between traditional wealth management and the coordinated approach available to ultra-wealthy families. Eventually, that gap became big enough that he decided to leave and build something different.Dana and I dug into what he learned behind the scenes, the mistakes successful founders often make with their own money, and why your financial strategy needs to evolve as your business and wealth become more complex.In this episode, Dana and I break down:Why Dana walked away from a $1.4 billion practice at Morgan Stanley?The 1% advisory fee that may actually be costing you closer to 20%Why do the ultra-wealthy keep most of their liquid capital out of stocks and bonds?What founders should understand about private and pre-IPO investing?Why the tax planning on a business or real estate sale has to happen before you sell?The risk most wealthy families overlook, and it isn't the marketEveryone has a CPA, an attorney, and an advisor. Almost nobody has a quarterbackOne of my biggest takeaways from this conversation is that financial complexity requires coordination.You can have a great CPA, a great attorney, and a great financial advisor. But if nobody is looking at the entire picture and taking responsibility for how all those pieces work together, opportunities can easily get missed.For successful founders and business owners, this is an important conversation about making sure the wealth you've worked so hard to create is being managed with the same level of intention you bring to your businessTake Dana's free financial diagnostic quiz (10 questions or less — get your wealth score and freedom score): https://cchquiz.comWant Dana's tax calculator? Email info@cornellcapitalholdings.com and he'll send it to you personally. Take the report to your CPA.DISCLAIMER: This episode is for educational and informational purposes only and is not financial, tax, investment, or legal advice. Dana Cornell is affiliated with Cornell Capital Holdings LLC. Nothing here is an offer or solicitation to buy or sell any security. Certain investments discussed may only be available to accredited investors. Consult your own CPA, attorney, and financial advisor before making any decisions.TIME STAMPS[00:00:00] Why Dana Cornell Left Traditional Wealth Management[00:03:42] Building a Career From Door-to-Door Prospecting[00:06:46] The Moment That Changed Dana's Career[00:09:31] How the Ultra-Wealthy Approach Financial Planning[00:12:04] Three Strategies That Move the Needle[00:14:10] Preserve, Produce, Protect, and Pass[00:17:21] Understanding the Real Cost of Advisory Fees[00:20:31] Alternative Investments and the Family-Office Model[00:25:08] Private and Pre-IPO Investing[00:29:47] Planning Around Business and Real Estate Sales[00:32:21] Building a Coordinated Team of Advisors[00:35:47] The Financial Diagnostic and Next Steps PS – When you're ready, here's how I can help: Want to find the hidden revenue in your business? Grab a Cup of Coffee with me: AiAccelerator.com/1kReady to reinvent yourself, your business, and your brand, and create “Your Next Act”? Watch this.Discover More

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 hereYou've built real wealth—but how do you know your corporate cash, investments, taxes, and financial structures are actually working together as efficiently as they could?For incorporated business owners and high-income Canadians, building wealth is only part of the challenge. Retained earnings can sit idle, passive income can create major tax drag, and disconnected advice from accountants, lawyers, and investment professionals can leave costly gaps that no one is responsible for spotting. This episode explores why having substantial assets doesn't necessarily mean your wealth is optimized—and why liquidity, tax efficiency, and coordination matter just as much as the numbers on your statements.You'll discover:How to spot hidden inefficiencies across your financial picture by looking at corporate assets, personal wealth, liabilities, cash flow, and protection together—not in isolation.Why access to capital matters as much as net worth, especially when withdrawing or deploying corporate funds could trigger significant taxes.How coordinated planning can uncover high-leverage opportunities involving compensation, retained earnings, investment structures, tax efficiency, and estate planning that individual advisors may overlook.Press play now to learn how to evaluate whether your wealth is truly optimized—and where the biggest opportunities may be hiding in your financial plan.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 business owners, true wealth optimization goes far beyond choosing a few investment strategies—it requires a coordinated Canadian wealth plan that connects personal and corporate assets, cash flow, retained earnings, taxes, insurance, and long-term goals. A holistic wealth review can uncover opportunities for greater tax efficiency, smarter asset restructuring, stronger corporate wealth planning, and more effective personal vs. corporate tax planning, including decisions around salary vs. dividends in Canada, RRSP optimization, optimizing RRSP room, passive income planning, and corporate structure optimization. By creating better financial systems for entrepreneurs, Canadian business owners can evaluate corporation investment strategies, improve liquidity, reduce unnecessary tax exposure, strengthen business owner tax savings, and build a clearer path toward financial independence in Canada and lasting financial freedom. The right approach to wealth management can also bring together tax-efficient investing, financial diversification, capital gains strategy, retirement planning, estate and legacy planning in Canada, and a practical investment bucket strategy designed to keep capital accessible while supporting long-term growth. Ultimately, effective Canadian tax strategies, thoughtful financial vision setting, and integrated wealth-building strategies in Canada can help entrepreneurs turn complex finances into a more intentional plan for retirement, family security, and building long-term wealth in Canada.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.

Has a strong market left your retirement portfolio more exposed than you realize? Damon Roberts and Matt Deaton examine investor complacency, the risks of buying every dip, and why an allocation that once fit your life may no longer match your retirement timeline. They also discuss preparing for unpredictable life events, reviewing a plan as circumstances change, and coordinating investments, income, and Social Security around your personal situation. A lighter conversation about Buc-ee’s offers an unexpected reminder that financial surprises can come from anywhere. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

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

This week on Financial Planning: Explained, host Michael Menninger, CFP®, welcomes back Nick DeVito, CFP®, for a practical life events financial planning case study focused on three major financial decisions many families face: buying a house, paying for a child's college, and deciding what to do with an inheritance. In Part I of this case study, Mike and Nick walk through how major life events can affect a family's overall financial plan—and why making one decision in isolation can have unintended consequences for other areas of your finances. From purchasing a home and determining how much you can comfortably afford, to preparing for future college expenses and making thoughtful decisions when an inheritance enters the picture, this conversation highlights the importance of looking at the big financial picture before making major moves. Rather than focusing on one-size-fits-all financial advice, Mike and Nick use a real-world planning scenario to explore the questions financial planners consider when helping clients navigate significant life transitions. Listeners will gain valuable insight into: How buying a house can impact your overall financial plan What to consider before taking on a mortgage How to balance homeownership goals with other financial priorities Strategies for planning and paying for a child's college education How college funding can affect retirement and long-term financial goals What to consider when receiving an inheritance How to think through the decision of what to do with inherited assets Why an inheritance shouldn't automatically be invested or spent without a plan How major life events can change your financial priorities The importance of coordinating short-term decisions with long-term goals Why comprehensive financial planning matters during major transitions How working through different scenarios can lead to better financial decisions Major life events often come with major financial decisions. Buying a home, funding a child's education, and receiving an inheritance can each have a significant impact on your cash flow, investments, taxes, retirement strategy, and long-term financial goals. This case study demonstrates why financial planning is about more than simply answering individual financial questions. The goal is to understand how each decision fits into the larger picture—and how thoughtful planning can help families make confident decisions while avoiding unnecessary financial stress. Whether you're buying your first home, preparing to pay for your child's college, expecting an inheritance, or simply trying to build a more comprehensive financial plan, this episode offers practical insights and real-world considerations to help you think through the next major financial decision. For more information on Menninger & Associates Financial Planning, visit: https://maaplanning.com Meet Michael Menninger, CFP®, host of Financial Planning: Explained: https://maaplanning.com/who-we-are/

Send us Fan Mail“Learning without reflection is a waste. Reflection without learning is dangerous.” – ConfuciusIt's the day after the night before, and I'm sitting quietly on my front porch. Join me as I reflect on our 50th Wedding Anniversary Celebration.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

DO YOU HAVE THE RIGHT FINANCIAL ADVISOR FOR RETIREMENT? WATCH ON YOUTUBE Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager Tessa Hall Media and Communications Specialist About This Episode The financial advisor who was right for you 10 or 20 years ago may not be the right fit for your financial life today. As wealth grows and retirement approaches, financial decisions often become more complex. In this episode of Healthy, Wealthy & Wise, Tessa Hall speaks with Sandy Hornor, Managing Director of Wealth Management at BWFA, about how to evaluate your current financial advisor. They discuss trust, communication, comprehensive financial planning, tax strategy, fees, and whether your advisor has grown alongside your needs. Sandy also shares one revealing question to consider: if you were starting over today, would you hire the same advisor again? Explore how BWFA can help you plan for your financial future by visiting our Financial Planning page. Frequently Asked Questions About Changing Financial Advisors How do you know when it’s time to change financial advisors? It may be time to consider changing financial advisors when your current relationship no longer meets the complexity of your financial life. As retirement approaches, your needs may expand beyond investment management to include retirement income, Social Security, taxes, health care, and estate planning. An advisor who was appropriate earlier in life may not provide the comprehensive guidance you need today. What should you expect from a financial advisor as you approach retirement? A financial advisor should help you understand how your investments fit within a broader retirement plan. That may include determining how much you can sustainably spend, planning for Social Security and health care, evaluating taxes, and updating your financial plan as circumstances change. The advisor should also communicate proactively rather than relying solely on scheduled meetings. Should your financial advisor coordinate your investments, taxes and estate planning? Financial decisions should be evaluated across investments, financial planning, taxes, and estate planning because a decision in one area may affect the others. For example, an investment decision can create tax consequences, while estate planning decisions can affect how assets are managed or transferred. BWFA uses a coordinated approach that brings these areas together and, at the client’s request, works with the client’s estate planning attorney. What questions should you ask when evaluating your current financial advisor? Consider whether you trust your advisor, receive proactive communication, understand your fees, and have an updated written financial plan. You should also consider whether your advisor has grown with your financial needs and whether your family knows who to contact if something happens to you. One final question may be particularly revealing: If you were choosing a financial advisor today, would you hire the same person again?

What happens if the market stumbles just as you’re preparing to live on your savings? Kevin Madden explores the balance between growth, risk management, and creating reliable retirement income. The conversation covers why some investors seek alternatives to stock market volatility, how guaranteed income strategies fit into retirement planning, and the importance of knowing whether your savings can support a long retirement. Kevin also discusses preparing for unexpected early retirement, building confidence through income planning, and navigating family conversations about inheritance, legacy goals, and financial expectations. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

There's a version of financial advice that lists fifty things you're supposed to be doing at once: build an emergency fund, pay off debt, invest, get life insurance, start a Roth, build an estate plan. All true, all important, and all completely useless without one missing piece: the order. Joe and OG walk through the exact sequence for figuring out what to tackle first, second, and third, so instead of freezing under the weight of everything, you know precisely where to start today. This one's a Stacking Benjamins classic, originally recorded a few years back, and the framework holds up so well it earned a spot in our Greatest Hits lineup unchanged.What You'll Walk Away WithA simple four-quadrant framework for seeing your entire financial picture in one place, instead of overwhelming yourself with fifty scattered tasksWhy cash flow and risk management should almost always come before any long-term goal-setting, no matter how exciting the goals areThe real difference between a strict budget and an "anti-budget," and how to know which one your situation actually calls forWhy debt consolidation can quietly make things worse if the underlying behavior never changesA clear-eyed look at which insurance actually matters most early in your financial life, and which ones get overhypedWhy starting with your tax strategy or investment picks first is almost always backwards, and what should come before itThe blunt case against co-signing a loan for a family member, no matter how good the reason soundsWhy This Matters NowThe instinct to fix everything at once usually backfires, not because the individual advice is wrong, but because doing five things halfway rarely beats doing one thing completely. A clear order of operations replaces that scattered, everything-at-once anxiety with a simple next step, and that clarity alone tends to build more momentum than any single tactic. Whether you're just starting to get organized or you've been meaning to revisit your plan for a while, knowing what actually comes first changes everything that follows.From the BasementA TikTok "hack" involving sneaking into a hotel breakfast buffet to save on groceries becomes the day's cautionary tale, alongside a genuinely unhinged story about an office keg that taught an entire WeWork floor a hard lesson about unlimited free beer.Resources MentionedStacking Benjamins Field Kit — the all-in-one net worth and budgeting tool referenced in the updated introThe 201 Newsletter — deeper dives on topics covered in the show, written by Kevin BaileySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

You may have spent years building a career, growing your resources, and becoming more effective, while still wondering how those successes might serve a larger Kingdom purpose. What changes when you begin to see not only your money, but also your career, experience, time, and influence as resources God has entrusted to you? MEET YOUR GUIDE: Kurt Cornfield spent more than three decades as a financial advisor before God redirected his calling from serving clients to equipping the next generation. As a professor of financial planning at Liberty University and Director of Student and Emerging Advisors for Kingdom Advisors, Kurt has helped build one of the leading programs preparing Christian financial advisors to combine technical excellence with biblical wisdom. His own journey, from discovering Kingdom Advisors later in his career to leaving a successful practice for the classroom, reveals how understanding God's ownership and defining “enough” can reshape both a career and a life. In this conversation, Kurt shares how Christian financial advisors can help families pursue faithful stewardship, why generosity grows from contentment, and how investing in future advisors creates lasting Kingdom impact. He also offers practical insights on faith-based investing, mentoring young professionals, and using both time and resources with open hands. Through stories of God's provision and decades of experience, Kurt provides a compelling vision for financial advice as a ministry rooted in service, wisdom, and joyful generosity. Listen to discover how equipping faithful advisors today can multiply God's Kingdom impact for generations to come. WHAT YOU'LL GAIN: Viewing financial advising as Kingdom ministry Living from God's ownership of everything Defining enough to unlock generosity Equipping the next generation of Christian advisors Integrating biblical wisdom with financial planning Practicing joyful generosity through everyday stewardship Using faith-based investing to reflect biblical values Multiplying Kingdom impact through mentoring Preparing advisors to serve with excellence and humility HIGHLIGHTS: “I don't want to just crank out kids that want to go into this industry because they want to make a lot of money. I want them to go into the business for the Kingdom purpose.” “God owns it all.” “Once we've provided for our families, it's the abundance from that point on. We can be generous with it.” “It all belongs to God in the first place. It just allows us to be so much more generous and free, free to be generous.” “Our major budget item is giving.” “We need more Christians giving financial advice to Christians, but also to non-Christians because biblical wisdom works in all circumstances.” “The more that we can talk to young people about it, they get excited about it.” “We can get them started the right way. The Kingdom impact of that, the multiplication effect, is crazy.” “I don't want the legacy to be about Kurt Cornfield. I want the legacy to be about the Kingdom.” “The ripple effect on the Kingdom is something we'll never know this side of Heaven for sure.” PEOPLE, BOOKS, AND ORGS: Kingdom Advisors (see our interview with founder, Ron Blue) Ronald Blue Trust, now Blue Trust (see our interview with founder, Ron Blue) Harvest App KEEP EXPLORING Discover more conversations, ideas, and resources to help you think intentionally about generosity, stewardship, and living with an eternal perspective. Visit Finish Line Pledge →

In Part 1 of this conversation, Timothy P. Pope, CFP, started with the first step in tax planning: understanding what the tax number actually means. If you missed that episode, stream it here:In this following part, Tim continues the tax conversation by moving from deductions to longer-term planning, exploring taxable brokerage accounts, investment tax efficiency, tax-loss harvesting, embedded capital gains, and why pilots may benefit from looking beyond a single tax return.He also discusses how taxes can shift across a pilot's career, from early airline years and upgrades to peak earning years, retirement, Social Security, pensions, and future required distributions.The focus is on understanding what can be controlled, what may simply be deferred, and how today's decisions can affect the household's long-term after-tax picture.Get more insights and takeaways from this episode on our newsletter article!If you're enjoying Pilot's Portfolio and finding these conversations helpful, we'd really appreciate a 5-star review on your podcast platform of choice. It helps more professional pilots and their families discover the show:- Apple Podcasts: https://podcasts.apple.com/us/podcast/pilots-portfolio/id1718915375- Spotify: https://open.spotify.com/show/5p2Tkf16Q9lV693lHV4Zo9Have a question you'd like Tim to address, or want to explore how 360 Aviation Advisors helps professional pilots plan around taxes, retirement, investments, and life transitions?Schedule An AppointmentOur Practice's WebsiteContact Us: info@pilotsportfolio.comThis episode is sponsored by: Beacon RelocationTimothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot's Portfolio, in its separate and individual capacity.We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites' privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

Every parent eventually asks the same question: what does my kid actually need to know about money, and when do I teach it? Today's roundtable brings together three genuinely different perspectives, financial educator Karen Holland of Gifting Sense, middle school teacher and author Alaina Trivax, and Rishi Vamdatt, the now-college-bound creator behind Easy Peasy Finance who started teaching kids about money at age eight. Together they build a real, age-by-age roadmap, from swiping a credit card at six years old to filing taxes for the first time at eighteen.What You'll Walk Away WithWhy waiting until kids are "old enough to understand the math" is one of the most common mistakes parents makeA simple age-by-age breakdown of what to teach, from age six all the way through eighteenWhether you should tell your kids exactly how much you earn, and what to say instead if you'd rather notWhy letting kids make small, affordable money mistakes now protects them from much bigger ones laterHow to talk to kids about in-game currencies and microtransactions in a way that actually sticksA refreshingly simple way to build an allowance system that teaches real financial judgment, not just chore complianceWhy you don't need to be great with money yourself to teach your kids well, and what actually matters more than expertiseWhy This Matters NowIt's easy to feel unqualified to teach your kids about money, especially if your own financial journey has had plenty of stumbles. But the goal was never to have all the answers. It's to normalize talking about money at home, model good decision-making out loud, and let kids practice with small stakes before the stakes get real. A little structure around when to introduce which concepts takes the guesswork out of a subject most parents already feel behind on, and turns it into something manageable, even fun.From the BasementA special exhibition round of trivia brings together three guest contestants for a genuinely close guessing game on the current going rate from the Tooth Fairy, complete with inflation commentary that would make any economist proud.Resources MentionedFollow the Money by Alaina Trivax — Alaina's new activity-based book teaching kids about moneyLet's Make It Grow — Alaina's platform helping parents teach financial literacyGifting Sense — Karen Holland's nonprofit teaching kids mindful spending, including the "Spending Ed" programEasy Peasy Finance — Rishi Vamdatt's YouTube channel and book series, including the new release Easy Peasy StocksSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.