Podcasts about pfp

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.

Everydays de Beeple du 08.07.2026, Token ZeroPour ce 953eme épisode nous recevons Scabanel, l'un des membres francophones les plus actifs de la communauté Normies, pour décortiquer un projet qui ne cesse de surprendre.À première vue, Normies ressemble à une simple collection de 10 000 PFP pixel art. Mais derrière cette apparente simplicité se cache une véritable plateforme créative imaginée par SERC, où chaque NFT peut évoluer, être transformé et même devenir un agent IA.L'actualité est d'ailleurs brûlante puisque Beeple, Adam Weitsman et SERC viennet de dévoiler une collaboration spectaculaire permettant à un Normie d'afficher chaque jour une version pixelisée d'un Everyday de Beeple.Le burn devient un outil de créationL'une des grandes innovations de Normies est son mécanisme de burn.Ici, brûler un NFT ne sert pas uniquement à réduire la supply : cela permet de récupérer des pixels et des Action Points pour enrichir un autre Normie.Chaque holder peut ainsi :* personnaliser son PFP ;* faire évoluer son avatar ;* ou même commander une création à un artiste directement on-chain.Résultat : la collection est vivante. Plus de 25 % des Normies ont déjà été brûlés, faisant passer la collection de 10 000 à moins de 8 000 NFT.Des NFT réellement dynamiquesContrairement à beaucoup de projets qui utilisent le terme “NFT dynamique” comme un argument marketing, Normies pousse le concept beaucoup plus loin.Les holders peuvent modifier leur avatar au fil du temps, changer son apparence, ajouter de nouveaux éléments, ou créer de véritables œuvres uniques.Le projet Beeple illustre parfaitement cette philosophie : un seul NFT capable d'afficher un nouvel Everyday pixelisé… chaque jour.Une API ouverte qui transforme les holders en buildersAutre force du projet : son API publique.Toutes les données de la collection sont accessibles, ce qui permet à la communauté de développer librement des outils, des visualisations, des tableaux de bord ou encore des expériences interactives.Scabanel présente notamment plusieurs de ses créations :* Normies Nexus, un portfolio manager dédié aux holders ;* des outils de visualisation 3D ;* des statistiques avancées ;* un historique complet des burns et de l'activité de la collection.Une approche qui rappelle l'esprit open source, où la communauté enrichit continuellement le projet.Normies devient un NFT agentiqueL'autre grande innovation est l'arrivée des NFT Agentiques.Grâce à l'utilisation de l'ERC 8004 d'Ethereum, chaque Normie peut désormais être “Awakened” pour devenir un agent IA possédant :* un nom ;* une personnalité ;* une mémoire ;* et demain, potentiellement, son propre wallet et ses propres interactions.Cette mécanique, directement liée au NFT, ouvre la voie à une nouvelle génération d'actifs numériques intelligents. OpenSea a d'ailleurs créé une catégorie spécifique autour de cette innovation.Pourquoi ce projet passionne autant ?Au fil de la discussion, plusieurs raisons reviennent :* une vraie innovation technique ;* une communauté extrêmement active ;* un projet entièrement on-chain ;* une licence CC0 favorisant les créations dérivées ;* des collaborations artistiques prestigieuses ;* et une feuille de route qui continue d'évoluer presque quotidiennement.Normies ne se contente plus d'être une collection PFP : le projet devient progressivement une plateforme de création, d'expérimentation et d'innovation autour des NFT.La phrase de l'épisode« Un Normie n'est pas une image figée : c'est un canvas vivant que chacun peut faire évoluer. »Liens utiles* Site web officiel des Normies* Les Normies sur Twitter * Compte Twitter de Scabanel* Compte Twitter de SERC* L'outil Normies Nexus This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.nftmorning.com

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.

Les NFT sont-ils définitivement morts ou assistons-nous simplement à la fin d'un cycle spéculatif ?Suite à une récente vidéo qui a beaucoup fait réagir l'écosystème crypto, nous avons voulu prendre le temps de répondre, sans caricature et sans langue de bois.Dans cet épisode, John, Rem et Brian Beccafico alias Arthemort reviennent sur les chiffres, les arguments et les conclusions avancées pour tenter de distinguer ce qui relève de la spéculation... et ce qui relève d'une véritable évolution technologique et culturelle.Au programme

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.

Pastor Femi Paul ushered the church into an atmosphere of breakthrough prayers with a prophetic charge titled "Surround Me With Songs of Victory!" Drawing from Psalm 32:7, we were reminded that God is not only our hiding place and protector, but the One who surrounds His people with songs of victory even before the battle is over. Using the account of Elisha's servant in 2 Kings 6, we reflected on how circumstances can sometimes appear overwhelming and hopeless. Yet, while the servant saw an army surrounding the city, God had already surrounded His people with a greater and unseen victory. The message encouraged us to look beyond what is happening around us and place our confidence in the God who is always at work on our behalf. Drawing from Psalms 5:12, 125:1–2, and 37:23–24, PFP reminded us that those who trust in the Lord are secure, protected, and upheld by His hand. Just as mountains surround Jerusalem, God surrounds His people with His favour, His presence, and His help. The charge was simple but powerful: no matter what surrounds us, God's protection, favour, and victory surround us even more. As we trust Him, fear gives way to faith, trouble gives way to testimony, and our lives become filled with songs of victory. Confession: Lord, thank You for being my hiding place and my defender. I choose to trust You above what I see, hear, or feel. Surround me and my family with Your favour, protection, and songs of victory, and let every challenge become a testimony of Your faithfulness and power. Amen.

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.

Pastor Femi Paul continued in the place of prayer with an exhortation titled Send David to Deliver Us From Reproach! Drawing from 1 Samuel 17, we reflected on how fear and hopelessness gripped Israel as Goliath continually challenged God's people. Yet the story changed with two powerful words: "Enter David!" We were reminded that when God's people seem overwhelmed by reproach, shame, opposition, or impossible circumstances, God is able to raise a deliverer and send help at the appointed time. Reading scriptures from Luke 1:74–75 and Psalm 22:19–20, PFP led the church in prayers for rescue, deliverance, and divine intervention. The message emphasised that God delivers His people from the hand and power of their enemies so they may serve Him without fear. Together, we declared that evil will not triumph over our lives, families, church, state, or nation, and that God will hasten to help His people. Confession: Lord, thank You for being my Deliverer and Helper. When fear or trouble arise, I choose to trust in You. Rescue me from every reproach, strengthen my faith, and let Your victory be evident in every area of my life. Amen.

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. 

Pastor Femi Paul led the church in fervent prayers for the church and our nation through a stirring exhortation titled Deliver Us From Evil! Anchored on Matthew 6:13, the final petition in the Lord's Prayer, we were reminded that the reality of evil is something believers must confront through prayer and dependence on God. Drawing from Jeremiah 8:15, Pastor highlighted the frustration of hoping for relief, breakthrough, and good fortune only to be met with trouble and terror instead. The message identified three dimensions from which evil may arise: evil from above through spiritual wickedness in heavenly places, evil from around through hostile and malicious forces, and evil from within through betrayals and opposition from unexpected quarters. Yet, in the midst of these realities, God remains our refuge, defender, and deliverer. Drawing from Psalm 50:15, Psalm 140, Psalm 125, and 2 Thessalonians 3, we were encouraged to call upon God in times of trouble with confidence, knowing that He hears, rescues, and preserves His people. PFP reminded us that evil may take many forms, whether spiritual, systemic, or personal, but none is greater than the power and authority of God. Our Senior Pastor led the church in prayers for divine protection, deliverance from wicked and unreasonable people, and preservation from every satanic scheme and violent agenda. The service concluded with the comforting assurance from 2 Thessalonians 3:16 that the Lord Himself is able to give us peace at all times, in every way, and under every circumstance. Our confidence remains in God, whose Kingdom, Power, and Glory endure forever. Confession: Lord, I thank You for being my refuge, protector, and deliverer. Preserve me from every evil plan, every wicked influence, and every attack seen or unseen. Let Your peace guard my heart, Your power defend my life, and Your presence surround me and my loved ones in every circumstance. Amen.

What does the future of the CPA profession look like as advisory, financial planning, and AI reshape client expectations? In this episode of the AICPA Personal Financial Planning Podcast, Cary Sinnett sits down with Sue Coffey, CEO of Public Accounting at the American Institute of Certified Public Accountants, to discuss the profession's transformation from compliance-focused work to holistic trusted advisory. Sue shares why trust has become one of the profession's greatest competitive advantages, how technology and complexity are accelerating change, and why CPA financial planners are uniquely positioned to lead multigenerational client relationships. The conversation also explores how education, credentialing, AI, and evolving firm models are shaping the next generation of CPA advisors. Whether you are building an advisory practice, expanding into financial planning, or thinking about the future direction of the profession, this episode provides an inside look at where the CPA profession is headed and why the opportunity for planners has never been greater. Questions Answered Why is the CPA profession shifting from compliance toward advisory services?  What makes CPA financial planners uniquely valuable to clients and families?  How are AI and technology changing the future of CPA advisory work?  What separates firms that successfully transition into advisory services?  Why did financial planning become part of the CPA exam evolution? How can firms prepare for the future of trusted advisory relationships?  Key Takeaways Trust remains one of the CPA profession's greatest differentiators in an increasingly complex world.  Financial planning is becoming more integrated into the CPA identity and educational pipeline.  AI is expected to enhance CPA capabilities rather than replace advisors.  Successful advisory firms combine technical expertise, relationships, governance, and talent development.  CPA financial planners are well-positioned to serve as the "quarterback" coordinating broader client advice teams. AICPA Resources: Pathways to Practicing Personal Financial Planning Rise2040: Co-creating our profession's future National Accounting Day: What Trust Looks Like in Action Celebrating CPAs 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.

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.

What if the biggest barrier to client action is not the quality of the financial plan, but the lack of purpose behind it? In this episode, Cary Sinnett sits down with Andrea Millar to explore how life planning helps financial planners move beyond technical recommendations and uncover what truly matters most to clients. Andrea shares how deeper conversations around purpose, relationships, fulfillment, and meaning can lead to stronger engagement, clearer decision-making, and more intentional financial behavior. Together, Cary and Andrea discuss how CPA financial planners can integrate life planning concepts into existing client relationships without abandoning technical precision. Questions Answered Why do some clients fail to follow through on financial advice?  How can planners uncover what truly matters most to clients?  Why do "soft skills" often improve technical planning outcomes?  How can advisors begin incorporating life planning concepts into their existing process?  Key Takeaways Clients are more likely to act on recommendations when financial advice connects to personal meaning and purpose.  Technical expertise becomes more powerful when paired with deeper discovery conversations.  Human-centered guidance may become even more valuable as AI advances in technical planning. Resources: The why, what, and how behind legacy planning for your clients Kinder Institute of Life Planning Financial Gratitude: The Behavioral Advantage Every CPA Planner Should Leverage Guide to Practical Retirement Planning 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.

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? 

Sometimes the biggest client wins start with a simple question. In this episode, Cary Sinnett and Jackie Cummings Koski share five fast, high-impact planning ideas that can instantly deepen client conversations and uncover bigger opportunities.  From forgotten 401(k)s and Roth-funded 529 strategies to overlooked HSA and charitable planning moves, these are the kinds of insights that make clients stop and say, "Wait… I didn't know that." If you want practical ideas you can use immediately to create value, strengthen relationships, and spark more meaningful planning engagements, this episode is for you. Questions answered: Can clients really use 529 plans for professional credentials and Roth IRA funding?  How can clients access retirement money before age 59½ without the 10% penalty?  Are advisors overlooking powerful HSA planning opportunities for families?  What charitable giving strategies work best for non-itemizers?  How do clients find forgotten 401(k)s and abandoned accounts? Resources: Retirement Savings Lost and Found Database National Association of State Treasurers Health Savings Accounts Beyond the Basics 529 plan expansion boosts education and CPA access Slott and Keebler on what to watch out for with SECURE 2.0 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.

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

The skills required to start a business are not the same skills you'll need to grow and scale. In this episode, Andrew Simpson talks about the three phases of his leadership journey so far while building PFP, a gym and coaching experience for young athletes. He explains how he moved from hustling, to growth, to scaling the business, and then shares his experience with deciding to explore a new role for himself outside of the CEO position. He also reflects on the strengths that helped him navigate each stage of growth and the ways God has shaped him personally and professionally. Information isn't the gap between failure and success—action is. Path for Growth's 1-on-1 coaching helps you create a plan and execute on what matters most for your business. Apply today at pathforgrowth.com/coaching.Episode Recap:How would you define the phases of your leadership journey? What strengths helped you through the hustle stage, and what weaknesses can you see now? How was God shaping you during the early years of your company?  How do you move past feelings of regret over past mistakes? What did the growth stage look like for your business?  What new strengths did you uncover as the business grew?  How would you define the tipping point between growth and scaling? How was God forming you personally as you scaled the business? Can you talk about your process of considering a new role for yourself? If you're ready to move beyond just gathering information and start executing on what truly matters, Path for Growth's 1-on-1 coaching can help. Apply now at pathforgrowth.com/coaching.Resources:Follow the podcast on Apple or SpotifySchedule a call to learn more about Path for Growth Coaching and CommunityDownload the Free Reading GuideConnect with our Founder Alex Judd on LinkedIn and Instagram

Managing money does not have to mean giving up the things you love. Here is the system that lets you do both at the same time. 

What if the thing keeping you out of the housing market is not the market at all but the advice you have been given? 

The retirement equation is simpler than most people think. The problem is nobody ever told them which variables they actually get to decide. Here is the framework that fixes that. 

Most new investors start building their portfolio completely backwards. Here is the exact framework to build it the right way from the very first dollar. 

Saving $10,000 is a milestone. Investing it correctly is a life changer. Here is the step-by-step plan to do it right.

Single, married, kids, divorced, retired. Every stage of life has a completely different set of financial rules. Here is exactly what to prioritize at every stage of your financial life.

What if the biggest financial threat of 2026 is not a recession or a market crash, but a technology that is already quietly replacing people in your industry?

Car insurance premiums are up 30% and most people have no idea they have the power to push back. This episode gives you that power in 10 steps.

This week discuss the women's and men's  Roubaix!!! A whole lot of Jumbo is discussed as well as MvDP's pedal issue, Pog, Voss and PfP being human and explaining ebay.  This podcast is also supported by the generous and amazing donors to the Wide Angle Podium Network, and buy Hammerhead cycling! Visit hammerhead.io to check out the Karoo cycling computer, and use code SLOWRIDE at checkout to get a Heart Rate strap for free! Find us, and other fantastic cycling podcasts on the Wide Angle Podium Network, at wideanglepodium.com! Check out the brand new WAP app available in the Apple and Android app stores! You can email us at theslowridepodcast@gmail.com

$10,000. $100,000. $1,000,000. Three numbers. Three moments where your entire financial life shifts. Here is what to do at each one.

You make six figures. You should feel ahead. So why does it still feel like you're barely getting by?

Retirement is not an age. It is a number. However, most people have no idea what their retirement number actually is. What if you could calculate it clearly and know exactly where you stand every year? Andrew will walk you through the complete process of finding that number, adjusting it every year, and taking the right steps at every stage of life to hit it in this episode.