Podcasts about pfp

Seven listener questions, one theme: the small stuff you never check is usually the expensive stuff. Fees, insurance add-ons, account order, and the plan you need before retiring decades early. 

Andrew breaks the entire plan down to four calculations you can run in about five minutes using numbers you already know: your monthly income and your monthly expenses. Each one gives you a specific target for your freedom number, your investing rate, your emergency fund, and your spending ceiling. 

Most people save for vacations one trip at a time and start over from zero every year. There is a version where you build the fund once and it keeps paying for your trips forever, and $100 a month is enough to start. 

Coast FIRE is the middle path: invest hard early, hit a specific number, then let compound interest carry the rest while your paycheck only has to cover your bills. Andrew walks through what it is, how to calculate it, and what it unlocks once you get there.

Light Science Technologies CEO Simon Deacon joined Steve Darling from Proactive to discuss the company's unaudited interim results for the six months ended 31 May 2026, describing the period as transformational following a £6.6 million fundraising (£6.1 million net) that funded three strategic acquisitions. Deacon said the acquisitions, particularly the purchase of RLUK Injection Ltd and its patented Injectaclad system, are materially reshaping the group's operational footprint and positioning it for high-margin growth in the second half of the year. Reported first-half revenue was £3.73 million with a 30.5% gross margin, while the adjusted operating loss was £0.69 million as the business absorbed integration costs and experienced delays in Passive Fire Protection (PFP) project approvals. Operationally, the PFP division completed the integration of Injectaclad and established a fully operational northern distribution hub in Manchester. Since the acquisition closed in April, the division has secured significant commercial activity, including contracts announced in May and June valued at between £1.28 million and £1.66 million expected to be recognized during the current financial year. The Contract Electronics Manufacturing division added four new clients expected to contribute up to £1 million annually, while the AgTech division advanced the £0.6 million Nottingham Trent University Smart Agriculture Research Centre project and secured a further £0.3 million university contract in Wales. Deacon said trading momentum has improved sharply since the period end, with £2.15 million of revenue generated in the two months to 31 July 2026 and a committed forward order book of £3.09 million. He added that improving Building Safety Regulator approvals are accelerating pipeline conversion in the PFP division and underpin management's confidence in a substantially stronger second half and a return to profitable growth. #proactiveinvestors #lightsciencetechnologiesplc #aim #lst #PassiveFireProtection #Injectaclad #AgTech #ElectronicsManufacturing #GrowthCompany #UKStocks #IndustrialTechnology #BusinessGrowth #passivefireprotection #contractelectronics #agtech #buildingsafety #UKsmallcap #AIM #investing #proactiveinvestors

67% of Americans say they want to own a business. Only 6% ever do it, and the gap is almost never a lack of money. Alex Smereczniak has data on thousands of franchises, and he breaks down the path that lets you start a business on step three instead of step one. 

You do not have to wait until 65 to actually use your money. There is a version of retirement you can take at 35, at 40, at 45, and Andrew breaks down exactly what it costs, who should not do it, and the step-by-step plan to fund one without derailing your future. 

Technical expertise may earn a client's confidence, but human connection earns their trust. In this episode of the PFP Podcast, Cary Sinnett continues his conversation with Dr. Brian Portnoy, author of The Geometry of Wealth, exploring how CPA financial planners can move beyond numbers and into the conversations that truly matter. Together they discuss why "funded contentment" should be at the center of financial planning, how advisors can uncover what clients truly want their wealth to accomplish, and why emotional intelligence may become one of the profession's greatest competitive advantages. What you'll learn: Why funded contentment starts with defining what "enough" means. Questions that help clients move beyond financial goals to purpose and values. How empathy, active listening, and emotional intelligence strengthen client relationships. A simple communication technique that creates deeper, more meaningful conversations. Why the human side of financial planning is becoming more valuable in the age of AI. Key takeaway: As technical planning becomes increasingly automated, an advisor's greatest value may no longer be producing the right answer but helping clients discover the right questions. Financial planning is ultimately about funding a meaningful life, not simply accumulating wealth. Resources Article: Why EQ is the future of personal financial planning Resource: Personal Financial Planning Body of Knowledge (BOK) Podcast: Andrea Millar, From Financial Expert to Trusted Guide This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

In this Q&A, Andrew answers eight real listener questions, plus an AI privacy leak that could already have your data sitting in Google search results.

At our Warfare Wednesday Service, Pastor Femi Paul led us in fervent prayers following a prophetic exhortation titled "Oh God, Raise a Voice for Me!" Drawing from the ministries of John the Baptist, the repentant thief on the cross, David, Daniel, and Ruth, we were reminded that throughout Scripture, God often raises strategic voices to announce, defend, recommend, and position His people for His divine purpose. While there may be voices of accusation, criticism, or silence, God is able to raise the right voice at the right time to speak favour, open doors, and bring long-awaited opportunities. The message reassured us that our destiny is never dependent on human approval, but on God's sovereign ability to cause the right people to remember, recognise, and speak on our behalf. PFP also reminded us that just as God spoke directly to Samuel concerning David when no one in his own family did, and just as the queen's words brought Daniel before the king, God still orchestrates divine advocacy for His children today. At the same time, we were challenged to become godly voices ourselves, speaking life, encouragement, truth, and honour over others rather than joining the chorus of accusation and negativity. The service culminated in a powerful declaration that every accusing voice would be silenced, while God would raise voices that align with His purpose for our lives. The charge was clear: when God raises a voice for you, no opposing voice can overturn what He has spoken. Confession: Lord, thank You because You are my Defender and my Advocate. Raise the right voices to speak for me in every place You have prepared for me, and silence every voice of accusation, delay, and opposition. Make me a voice of encouragement, truth, and blessing to others, and let Your purpose for my life prevail above every contrary report. In Jesus' name, Amen.

Demi Vollering doet in de tijdrit van de Tour de France Femmes uitstekende zaken in de strijd om de eindzege. Ze verliest slechts 17 seconden op winnares Marlen Reusser. En misschien nog wel belangrijker: ze zet titelverdedigster Pauline Ferrand-Prévot op bijna twee minuten. Wat betekent dat voor de rest van de Tour? Niek Goedvolk bespreekt het in een nieuwe aflevering van In Het Wiel met Roxane Knetemann en verslaggever Maarten Teunisse. Uiteraard hebben we het ook uitgebreid over borstengate en gaan we nog eens in op het gat tussen de toplaag van het vrouwenwielrennen en de rensters daarachter. Luisteren maar!See omnystudio.com/listener for privacy information.

Everyone is chasing the shiny online business while a guy with a pickup truck quietly clears six figures organizing other people's junk. Here are five unglamorous businesses you can start on nights and weekends, with the real numbers behind each one.

At our Testimony & Thanksgiving Service, Pastor Femi Paul, launched us into a new season with a powerful prophetic message titled "Remembered by God!" Drawing from Esther 6 and the story of Mordecai, we were reminded that although his act of loyalty had gone unnoticed by men, heaven had not forgotten. At the appointed time, the king asked, "What honour and reward has been given to Mordecai?" revealing that God's timing is never late. Building on Isaiah 49:15–16, He assured us that while people may forget us, God never does. Our names are engraved on the palms of His hands, and every promise concerning our lives remains continually before Him. The message continued through the life of Joseph, who was forgotten by the chief cupbearer for two full years until the day God orchestrated his remembrance. What others had delayed, God accelerated. The cupbearer suddenly remembered what he had failed to do, Pharaoh sent for Joseph, and in a single day his story changed forever. PFP declared that this same God still remembers His people, bringing long-awaited promises to pass at the appointed time. The prophetic charge for the month was clear: this is the season to be remembered, rewarded, and called forth into God's prepared purpose. Confession: Lord, thank You because You never forget Your children. Though others may overlook or delay me, I rest in the confidence that my times are in Your hands. In this appointed season, remember me for good, reward every labour of love, and bring me into every opportunity You have prepared for me. I declare that my season of remembrance has come, and my life is changing for the best. In Jesus' name, Amen.

Brian Armstrong changed his profile picture to a memecoin. It pumped to thirty million. Ten thousand wallets piled in. Less than twenty-four hours later, he changed it back — and every one of those wallets felt it.That one move cracked open the week's biggest debate: what should Coinbase and Base actually be for? And what does it mean that Robinhood's new L2 — launched three weeks ago, supposedly for tokenized stocks — already has five hundred million in memecoin volume versus thirteen million in RWAs?This week on The Defiant, Camila Russo sits down with three guests who can't agree on anything — and that's exactly why this conversation works.Austin Campbell (Zero Knowledge / NYU Stern) says Base's behavior was both an intellectual and moral failing — memecoins are gambling, and Coinbase can't build payment infrastructure while promoting gambling to young people at the same time. Jason Yanowitz (Blockworks) says the strategy is closer to right than people admit, and the real problem is execution, not direction. Michael Lee (LienFi), a Base builder since day one, says Armstrong's PFP move caused real damage — but mercenary traders have also paid twenty million dollars to creators on Base, and nobody else is stepping in to do that.School bus. Rocket ship. Same company. That's the problem.Guests: Austin Campbell (Zero Knowledge / NYU Stern) | Jason Yanowitz (Blockworks) | Michael Lee (LienFi) Topics: Memecoins, Coinbase, Base, Robinhood L2, content coins, Brian Armstrong, crypto regulation, everything exchange

Healthcare costs have been climbing around 7% a year. Andrew sits down with Doc G (Dr. Jordan Grumet), hospice physician and author of The Healthcare Heist, to break down exactly how a routine ER visit turns into a five-figure bill and where every one of those dollars actually goes.

At our Interactive Midweek Service, Pastor Femi Paul continued teaching on the subject "Rest from Stress!" reminding us that God never designed His children to be consumed by worry, anxiety, or endless striving. Drawing from Psalm 127:2 and Exodus 33:14, we saw that while the world glorifies busyness and anxious labour, God's way is different. His promise is not merely to help us cope with stress, but to personally lead us into His rest. PFP beautifully highlighted the different dimensions of this promise: God's rest brings peace (NLT), victory (NCV), and success (TLB). When God is present, we no longer have to carry life's burdens alone because His reassuring promise remains, "Don't stress, I will give you rest." The message also revealed that God's rest is practical, not theoretical. From 2 Thessalonians, we were reminded that God gives rest to those who are troubled, while 2 Chronicles showed that His rest creates the atmosphere for growth, progress, and fruitfulness, just as King Asa experienced peace to build the nation. Stress may be a reality in our world, but it should never become our identity. God's invitation is to exchange anxiety for His presence, striving for His peace, and fear for confident trust. As we choose to walk with Him daily, we can live with the assurance that everything will indeed be fine because the Lord Himself goes with us. Confession: Lord, thank You for promising to go with me and give me rest. Today I release every burden, anxiety, and pressure into Your hands. I choose to trust Your presence above my circumstances and receive Your peace, victory, and success in every area of my life. I will no longer be ruled by stress, because You are with me and everything will indeed be fine. In Jesus' name, Amen.

The average American spends over $900 a month on car payments for a depreciating asset. Here is how to stop and what to do with that money instead. 

An OpenAI model hacked Hugging Face to cheat its own test. Kain and Taylor break it down — plus Base's failed social bet and the North Korean IT workers still inside crypto. ======================================================== Thank you to our sponsors! ⁠⁠⁠⁠Cape⁠⁠⁠: Your biggest crypto vulnerability isn't your wallet, it's your phone number. Cape is America's privacy-first mobile carrier that rotates your SIM identity daily and blocks SIM swaps before they happen. Get 33% off your first six months at ⁠https://cape.co/unchained⁠ (use code: UNCHAINED). ======================================================== Coinbase just handed Jesse Pollak's Base app to Cobie, days after Pollak posted a public mea culpa admitting that the onchain-social and creator-coin bet behind Base never worked. Kain Warwick and Taylor Monahan trace why Base swung so hard at social instead of perps and prediction markets, and argue Coinbase's bottomless-money culture, the same one that let Google build Android on a whim, makes it nearly impossible for founders to know when a bet has genuinely failed. They also unpack Brian Armstrong's memecoin profile-picture flap, arguing the outrage is almost entirely manufactured by traders chasing volatility, the North Korean IT workers still quietly inside much of the crypto industry, and the strangest story of the week: an unreleased OpenAI model that chained two zero-day exploits to escape its test sandbox and hack Hugging Face's benchmarking servers for the answers. The episode closes on an uncomfortable question: if a model will cheat on a security test just to avoid not knowing its score, what else will it break to get there? Hosts: ⁠⁠⁠⁠Kain Warwick⁠⁠⁠⁠ - Host of Uneasy Money and Founder of Infinex and Synthetix ⁠⁠⁠⁠Taylor Monahan⁠⁠⁠⁠ - Co-host of Uneasy Money and Security Expert Timestamps

The months immediately following a client's death create one of the most important income tax planning windows in estate administration. While many practitioners focus on basis step-ups and beneficiary distributions, one election can fundamentally change how post-death income is managed: the Section 645 election. In this episode, Cary Sinnett sits down with nationally recognized tax expert Bob Keebler to explore how electing to treat a revocable trust and estate as a single taxable entity can create valuable planning opportunities through fiscal year flexibility, income deferral, charitable deduction planning, and more. Bob explains why he believes the Section 645 election should be the default choice in nearly every revocable trust administration and discusses the rare situations where it may not be appropriate. What you'll learn: Why estates receive more favorable income tax treatment than revocable trusts  How the Section 645 election allows a trust to use an estate's fiscal year  Using fiscal year flexibility to defer income and smooth taxable distributions  How the election can effectively stretch certain inherited IRA distributions  Why charitable deductions under IRC Section 642(c) are often more advantageous for estates  The impact of the election on distributable net income (DNI) planning  How the election can improve gain and loss netting in pecuniary funding situations under the Kenan case  The interaction between the Section 645 election and S corporation stock ownership  The limited circumstances where practitioners may intentionally avoid making the election AICPA Resources: Chart: Useful Estate and Trust Decision Charts Podcast: Bob Keebler on Avoiding Costly Estate Planning Mistakes Resource: Summary and initial thoughts — Changes to opportunity zones Resource: 2026 Individual, Estate, and Gift Tax Cheat Sheet Guide: The Adviser's Guide to Financial & Estate Planning - Vol. 4 Program: Estate Planning Certificate Exam This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

One episode packed with everything from debt payoff psychology to investing for a special needs child. 

At our Premium Worship & Prayers Service, Pastor Femi Paul brought us a faith-building message titled "Be It Unto Me..." Tracing Sarah's journey from God's promise in Genesis 17 to its fulfilment in Genesis 21, we were reminded that God always keeps His Word and performs exactly what He has promised, at the appointed time. Although the years between the promise and the manifestation were marked by waiting, questions, and moments of doubt, God's timing never failed. Through Sarah and later Mary's response in Luke 1:38, we saw that faith is not simply believing God can do it, but positioning our hearts to say, "Be it unto me according to Your Word." The message challenged us not to abandon the dreams and promises God has placed in our hearts simply because they seem delayed or unrealistic. Like Sarah, many stop pursuing the promise because time has tested their hope, yet Habakkuk reminds us that though the vision tarries, it will surely come and will not be late. PFP encouraged us to stand secure on God's promises despite the contrary winds of life, knowing that His faithfulness is unwavering and His Word never returns void. The call was simple: keep believing, keep pursuing, and keep declaring, "Be it unto me according to Your Word." Confession: Lord, thank You because You are faithful to every promise You have spoken over my life. I choose to trust Your timing, even when I cannot yet see the fulfilment. Strengthen my faith to keep pursuing every dream You have given me, and let every word You have spoken concerning me come to pass at the appointed time. Be it unto me according to Your Word. Amen.

The government just created a brand new account that hands your kid $1,000 in free money from birth. Here is everything you need to know before you miss the window.

Vanguard just released research showing the most important factor in retirement is not how much you saved. It is how much you withdraw every single year and most people have no idea what that number should be.

That $100 you had in 2020 only buys $77 worth of goods today. Here is exactly how much more expensive every single category of your life has become since then.

Pastor Femi Paul brought our teaching series to a beautiful conclusion with a message titled "God's Loving-Kindness!" Drawing from Psalm 103:1–5, we were reminded that God has not only redeemed our lives, but has crowned us with loving-kindness and tender mercies. PFP explained that the Hebrew word Hesed speaks of faithful love in action: love that is steadfast, dependable, and continually expressed through goodness and mercy. From Jeremiah 31, we saw a God who declares, "I've never quit loving you and never will," whose everlasting love draws us to Himself, rebuilds us, and assures us that we can expect love, love, and more love. The message reached its powerful conclusion in Titus 3:4, where we saw God's loving-kindness move beyond an idea or attribute and appear in a Person: Jesus Christ. God's love did not remain distant or theoretical; it came to us, reached for us, and saved us. His loving-kindness is great beyond measure, His faithfulness is renewed every morning, and wisdom teaches us to recognise His love at work throughout our lives. The series may have concluded, but its call remains: to receive God's love, recognise His loving-kindness, and allow the love we have experienced in Christ to become love in action through us. Confession: Lord, thank You for crowning me with Your loving-kindness and tender mercies. I receive Your faithful love afresh today and rest in the assurance that You have never stopped loving me and never will. Help me to recognise Your goodness throughout my life and, having received Your love so freely, let that same love become visible through me. Amen.

Indexed Universal Life (IUL) insurance is often marketed as a "tax-free retirement income" solution, but how do these policies really work over time? To cut through the noise, financial planner Andy Panko, CFP®, RICP®, EA, decided to run his own real-time experiment. He bought an IUL, fully documented the structure, costs, and performance, and is openly sharing the results year after year. In this episode, Andy joins us to explain what IULs are, why he launched The IUL Experiment, and what every financial planner should know before considering them in retirement planning conversations. We talk about: The structure of IULs and why they're so often misunderstood The gap between marketing promises and actual performance The potential benefits—tax deferral and downside protection—and their trade-offs Why transparency and ongoing tracking matter for evaluating these products How planners can approach IUL conversations with clarity and objectivity Whether you've advised clients on IULs, been pitched on them, or just want to better understand how they fit (or don't fit) into real financial planning, this episode gives you a front-row seat to an experiment playing out in real time. AICPA Resources: Tools: Life insurance policy evaluation Podcast: Life insurance planning strategies for individuals Webcast: Advanced strategies for life insurance policies Checklist: Life insurance policy checkup This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

One episode that covers everything from bankruptcy recovery to retiring in your 40s. 

Most people think being frugal means cutting every expense. The truth is, some frugal habits build wealth while others actually keep you poor.

Love is not a noun. It is a verb. This week, Pastor Femi Paul shifted the conversation from what we believe about love to what we actually do with it. Drawing from 1 John 3:18–19, we were reminded that love is more than words, emotions, or good intentions; it must be demonstrated through sincere and practical action. Building on the truth that love is the essence of God, Pastor Femi explained that kindness is the essence of love, making kindness the clearest expression of love in action. Through the parable of the Good Samaritan, Jesus shifted the conversation from "Who is my neighbour?" to "Go and do the same," teaching us that genuine love is revealed in compassion, kindness, and a willingness to meet the needs of others. The message challenged us to move beyond lip service and become people whose actions consistently reflect the love of Christ. Looking at the early church in Acts 2, we saw a community whose generosity, hospitality, and genuine care for one another caused them to be respected, admired, and attractive to those around them. Pastor reminded us that our actions either validate or contradict our profession of faith. The call was clear and deeply personal: now is the time to put God's love into action, as PFP concluded, "I know you can; I trust you will." Confession: Lord, thank You for loving me so completely and unconditionally. Let Your love move beyond my words and become evident in my actions every day. Fill my heart with kindness, compassion, and sincerity, so that my life points others to You and reflects the love of Christ wherever I go. In Jesus' mighty name, Amen.

Welcome back Pauper fam! Seeker of Skybreak is banned! What does this mean for the Pauper format? We invited Alum of the Pod Brute back on the show to discuss how the Naya Bow deck felt after his recent (and only possible) tournament win with the deck, and we chat about the big winners from this decision and whether or not we're aligned with the PFP's decision. Thank you as always for listening!Join our Discord! https://discord.gg/kdvSavFkpzCheck out our YouTube channel: https://www.youtube.com/@CommonGroundMTGSponsored by: Game Knight (Columbia TN) The premier LGS in the Middle Tennessee area! Check out their upcoming events and order cards for local pickup here: https://www.gameknighttn.com/PFP's Ban Explanation Video Article: https://www.youtube.com/watch?v=_uuwIsGA9McDecklists from Court of Commons Yearly: https://mtgdecks.net/Pauper/court-of-commons-yearly-get-bolted-tournament-258408Upcoming Pauper Events:Every Tuesday @ Game Knight in Columbia TN - Weekly Pauper League feeding into an Invitational alongside Just Roll With It Games' (Spring Hill TN) Pauper League!Check out our Discord's #events channel for more events and information!July 12th - NYC Pauper League's "PauperGenesis" @ Baltimore, MD - https://melee.gg/Tournament/View/409325 - SOLD OUT!July 10th-12th - Summer Paupergeddon @ Lucca, Italy - https://paupergeddon.com/July 18th - Win-A-Dual @ Infinity Games, Clarksville TN - https://topdeck.gg/event/pauper-win-a-dual-2July 19th - Win-A-Box @ Larry's Game Store, Olathe KS - https://www.larrysgamestore.com/products/pauper-win-a-box-july-19-2026-10amThe 4th Common Ground Cup! July 25th @ Game Knight, Columbia TN! $2k+ cash prizes! 100 capacity! Information, Registration, and Live-Stream Links can all be found here: https://linktr.ee/commongroundcupAugust 16th - $2k Pauper Extravaganza @ Mox Boarding House, Portland OR - https://events.moxboardinghouse.com/p/n/jxKkgBBS/v5August 29th - 64-player $1k Pauper Event at TEO-CON @ Lebanon, TN - https://gameknighttn.com/teo-con/The Cascadia Pauper Circuit presented by Pauper PNW: www.PauperPNW.orgNashville-Area Thursday Pauper League @ Middle TN Gaming in Bellevue: https://www.facebook.com/p/Middle-Tennessee-Gaming-61567309793600/Any questions or feedback for us? Email us at: commongroundmtgpod@gmail.com 

Two life-altering losses in one week. One record-breaking fiscal year. Here is what she did differently while everything else was falling apart.

Most people are either ahead or behind financially for their age and have no idea which one. Here are the real numbers by decade so you can find out right now.

Most retirement plans answer one question: Can I afford to retire? But far fewer answer the question that often matters just as much: What am I retiring to? In this episode, Cary Sinnett sits down with renowned researcher and Harvard Business School professor emerita Teresa Amabile to explore the hidden psychological transition that accompanies retirement. Drawing from more than a decade of research and interviews with retirees, she explains why many successful professionals fear retirement, why those fears are often misplaced, and how financial planners can help clients prepare for life beyond the balance sheet. Whether you're guiding clients toward retirement or thinking about your own future, this conversation offers practical insights into identity, purpose, relationships, and creating a retirement that truly works. Questions Discussed: Why do so many successful professionals fear retirement despite being financially prepared? What are the four psychological tasks every retiree faces? How can retirees preserve a sense of identity after leaving work? What role should financial planners play in preparing clients emotionally for retirement? What single question can advisors ask that helps clients begin designing a meaningful retirement? Key Takeaways: Retirement is a transition, not a single event. Financial readiness alone does not guarantee retirement satisfaction. Many pre-retirees fear the unknown, but most retirees ultimately adapt successfully. Identity, relationships, and daily routines are critical components of a fulfilling retirement. Financial planners can add tremendous value by encouraging clients to think intentionally about what comes after their careers. Resources: Article: Retiring: Creating a Life That Works for You Webcast: Financial Planning for Aging Clients Article: 4 Questions to Identify Your Retirement Needs and Goals This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

Every financial decision you make either moves your retirement closer or pushes it further away. Here is the exact math and plan to retire in 10 years or less.

Pastor Femi Paul brought us a faith building message titled "Strength to Birth Your Dreams!" Drawing from Genesis 18 and Hebrews 11:11, we were reminded that God's promises require more than human ability; they require divine enablement. Although Sarah had received the prophecy of a son, her natural strength was no longer sufficient to fulfil it. Scripture declares that "by faith Sarah herself also received strength to conceive." We learned that the fulfilment of God given dreams is not sustained by determination alone, but by strength that comes from God. Grace is God's divine enablement, empowering us to accomplish what our own strength never could. The message also spoke to everyone who has grown weary because of delay, disappointment, or deferred hope. Drawing from Isaiah 40, Psalm 13, Genesis 18:14, and Judges 6:14, PFP reminded us that God gives strength to the weak, hastens His promises at the appointed time, and equips those He calls. Whatever dream God has placed within us, He also supplies the grace to bring it to life. Our prayer is not simply for opportunities, but for renewed strength to carry, sustain, and birth everything God has ordained for our lives. Confession: Lord, thank You for the dreams and purpose You have placed within me. I receive fresh strength by Your grace to carry, nurture, and birth every promise You have spoken over my life. Where I have grown weary, renew me; where I have lost hope, restore me. Nothing is too hard for You, and by Your strength, I will fulfil every assignment You have prepared for me. Amen.

Some of the biggest planning opportunities in trust and estate taxation are also the easiest to miss. In this episode, Cary Sinnett sits down with nationally recognized estate planning authority Bob Keebler to explore three highly technical areas that can dramatically impact client outcomes: portability elections, fiduciary income taxation during periods of market volatility, and the often-misunderstood Kenan doctrine. Bob explains where advisors commonly overlook opportunities, how missed elections may still be salvaged, and why funding decisions inside trusts and estates can create unexpected capital gains. Along the way, he highlights strategies that help CPA financial planners deliver more thoughtful and tax-efficient advice to families across generations.  Questions Answered How does portability work, and when can missed portability elections still be recovered?  When should advisors favor portability versus bypass trusts and GST planning?  What is the Kenan doctrine, and why can funding a trust with appreciated assets trigger capital gains?  How does a Section 645 election change the taxation of trusts during administration? Equal inheritances are not always equal when embedded capital gains and basis differences are considered. Resources: The Adviser's Guide to Financial & Estate Planning - Vol 4 Generation Skipping Transfer Tax Chart Estate Planning & Portability Volatile Markets, Smart Estates: Keebler's Top Tax Plays This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search "AICPA Personal Financial Planning" on your favorite podcast app.

The CEO of Acorns says 96% of people who trade online lose money. Here is why slow and steady is still the only investing strategy that actually works. 

Welcome to PFP!  It's Season 9 Episode 2We're at that episode again where we feature our graduating members ofthe flute studio at the UMICH SMTD.  Six incredible people, all who have a passion for the flute, the arts andeverything to do with the future of the arts. I want to thank them all for being in my life, supporting me as I supported them, allowing me to say without filter what I felt would be their next steps. having been in their shoes and having mentored countless others, I feel I can intuit and through our connection, feel what's right for them. My prayer is this - May the go out into the world to bring joy and music without fear or trepidation.In Alphabetical order by FIRST name we will start with ABI MIDDAUGH from MIAERIN SORICE from NYALAN COOK from TNALEX CHITU from NY ALEXIS PHINNEY from MIKALLIOPI KATSIRIS from IAPEI-LING LUO from TAIWANThanks for being in PFP – I'm so happy you're here.

The decade you are in right now is either working for you or against you. Here is how every age stacks up for building wealth ranked from best to worst.

SpaceX. Anthropic. OpenAI. Everyone is talking about investing in these IPOs. Here is what Warren Buffett would say and what you need to know before you touch any of them. 

Overweighted S&P 500. Accidental landlords. Early retirement in Japan.

Two retirees. Same portfolio. Same returns. One ran out of money at 87. The only difference was when the bad years hit. Here is how to make sure you are not the unlucky one. 

He lost $50 million in 2008 and built it all back. Here is exactly what he did and what he would never do again.

Real millionaires do not look rich. They look boring on purpose, and that is exactly how they got there.

Eight questions. Eight real financial situations. Eight answers that might change the way you think about your money.  

Most people try to retire early by saving more and spending less. The people who actually pull it off use these six strategies instead. 

Millennials and Gen Z are not broke because of laziness but a broken system. Here is what is actually going on and what you can do about it. 

The store already knows how much you are willing to pay. They are just waiting for the right moment to charge you that exact amount.

What if the secret to spending more on what you love is not making more money but having better rules for how you spend it? 

Nobody teaches you that financial independence is a spectrum. Here is the mindset shift that changed everything.