Podcasts about registered representatives

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden dive into the world of financial advice driven by Artificial Intelligence.  Computers are becoming more and more sophisticated and nuanced in their ability to answer questions and provide advice and information on a wide range of topics.  Can we rely on AI for good financial advice? In this episode we walk through: Current uses of AI in financial advising including sophisticated note taking and answers to questions based in facts. For example, what is the 401k contribution limit in 2025? We also talk about some of the limits of AI in this world. One of the biggest factors is not knowing what information to provide in order to get a good output. For example, if you forget to prompt for inflation, would that be included in an answer regarding retirement readiness? Financial advice can also be very nuanced and influenced by individual goals, how much risk a person can tolerate, compromises between partners, and personal experiences. It's hard for a computer to know you well enough to take those things into consideration. In short, artificial intelligence may be helpful to solve some of the factual and math questions in finance, but it doesn't seem like we are there yet with the personal side of things.  Which is a very big part of planning!  Listen to the full episode to hear more about ways that AI may be able to help in plan, and areas where it may struggle a bit. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this episode of Widow Wisdom and Wealth, Donna interviews Marie Alessi, who shares her journey into widowhood and how she has navigated the complexities of raising two boys while dealing with profound loss. Marie discusses her mission, her books, and her TED Talk, emphasizing her unique approach to leading through grief with joy. Marie recounts pivotal moments, including a crucial conversation with her late husband, the emotional struggles following his sudden death, and the support that helped her find a new purpose. Now a bestselling author, keynote speaker, and grief coach, Marie offers inspiration on embracing joy in the face of grief. The episode highlights Marie's upcoming speaking engagement at the Sydney Opera House and provides insights into her movement, Loving Life After Loss.   00:00 Introduction to Marie Alessi 01:13 Marie Alessi's Background and Personal Loss 03:17 The Pivotal Conversation and Its Impact 06:15 Practical Steps and Challenges Post-Loss 10:25 Marie Alessi's Career and Mission 11:28 The Early Days of Grief 19:08 Turning Grief into Empowerment 23:52 Creating a Movement: Loving Life After Loss 27:47 Conclusion and Future Endeavors   Connect with Marie: https://www.linkedin.com/in/marie-alessi https://www.facebook.com/MarieAlessiPublicFigure https://www.mariealessi.com/     Connect with Donna:

Disability insurance may feel like just another thing physicians have to figure out. Like a retirement account, your employer may offer a plan, but that is almost never enough to cover your bases. Nate Reineke and Ben Utley are joined by Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF (or Larry to us). From his New York office, he's been working with doctors for more than 30 years. We break down when an individual, private policy is necessary, and when in your career you can consider dropping your policy. Be sure to listen to the end, where Larry explains the most common mistake he sees physicians make and how shopping for an agent, rather than a policy, can help you save on your premiums. If you'd like to work with Larry, you can reach him at lkeller@physicianfinancialservices.com or by phone at 516-677-6211. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures This podcast is intended for general public use and is for informational purposes only. The Physician Family Finances podcast is not affiliated with or endorsed by Park Avenue Securities, Guardian, or Physician Financial Services and opinions stated are their own. Lawrence B. Keller is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 355 LEXINGTON AVE, 9TH FLOOR, NEW YORK NY, 10017, 212-261-1850. Securities, products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Physician Financial Services is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #0C37340, AR Insurance License #1057229. 7545285.4 Exp 8/27

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden unpack many of the assumptions that are built into financial planning.  This is necessary when you can't predict the future, but how conservative or aggressive your assumptions are can greatly impact your chances of success. Some of these assumptions include: Your projected age of retirement How much money you will need to be comfortable in retirement What inflation rates will be between now and then Investment returns Estimated taxes at different points during your career and retirement How much you will be able to save How much income you will receive from social security   No two projections will look the same.  They all rely on assumptions, because we don't have all the data we need for the next 30, 40, or 50 years.  When you are working through financial projections, it is a great idea to adjust the inputs to see how your assumptions are impacting your plans.  For example, if you adjust your inflation estimate from 2.5% to 3.25%, you will need to save MUCH more or modify your standard of living to reach your goals.  We recommend focusing on the things you can control (mostly your spending and your savings) but also understand how different future outcomes outside your control can affect your plans.   For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Most Advisors rely on technical expertise (IQ). But when you work with human beings, IQ alone often isn't enough. You have to combine IQ and EQ (Emotional Intelligence). Shannon Harris, Managing Partner at Ecclesiastes Wealth Partners, has developed an approach that blends IQ with EQ by delivering values-based advice designed to reshape every client conversation. In this episode, she shares why she completely rebranded her firm to focus on values-based advice and the framework she uses to deliver that value in every conversation. You'll Learn: Why IQ alone often isn't enough and how EQ can elevate your business How she applies values-based conversations in every meeting How she uncovers a client's top 5 values with a simple exercise How she uses the client's values to help them make better decisions The common quantitative and qualitative results of embracing this approach To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: Values Exercise - Think2Perform The Ruthless Elimination of Hurry by John Mark Comer Equipping for Impact – Coaching program tailored to financial professionals Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Shannon Harris:  Website: Ecclesiastes Wealth Partners LinkedIn: Shannon Harris About Our Guest:  Shannon Harris is the Managing Partner and an advisor at Ecclesiastes Wealth Partners, recognized by Forbes as one of the Top Women Wealth Advisors. With over 25 years of experience, she blends financial planning with emotional intelligence, delivering values-based advice that aligns money with what matters most. Her unique approach is rooted in behavioral finance and life coaching, helping clients make meaningful, purpose-driven financial decisions. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

In this episode of Widow Wisdom and Wealth, hosts Donna Hendrick and Jim Han discuss parenting after the loss of a spouse. They share their personal journeys—Donna's experience after losing her husband and Jim's experience after his ex-wife's passing. The episode covers how their core parenting skills evolved, the impact of grief timelines on their children's lives, and the balance between sensitivity and enabling behavior. Donna and Jim emphasize the importance of intuition, community support, and honest communication with children. The episode offers insights and anecdotes on handling grief within the family and how to navigate tough situations while being kind to oneself.   00:00 Introduction to Parenting After Loss 01:04 Donna's Journey: Sudden Loss and Immediate Decisions 02:55 Jim's Experience: Preparing for the Inevitable 04:20 Balancing Grief and Parenting: Different Approaches 07:59 Navigating Children's Reactions and Excuses 11:11 Support Systems and Community Resources 12:53 Conclusion and Call for Listener Feedback     CONNECT

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden walk through some details of selling different types of medical practices to private equity.  This trend is growing and could potentially affect you whether you are employed by a large hospital system or the sole owner of your own practice. In this episode, you will hear: Discussion of the movement away from physician-owned private practices to larger groups and hospitals. The growth of private equity in medicine. The objectives of private equity firms and the doctors who are looking for investors. A few examples of how a buyout can be structured. Considerations when you are trying to decide if it is worth it. Or even possible. If you're curious about these sorts of transactions, give this one a listen!  Even if you aren't currently employed in a situation where this is possible, it could come up in the future. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

What if everything you've been taught about preparing clients for retirement is only half the story? Fritz Gilbert spent a decade writing over 400 articles about life after work on his blog The Retirement Manifesto. But the real transformation happened after he actually retired. In this episode, Fritz reveals the surprising emotional challenges retirees face — from losing structure and identity to silently wondering, “Is this all there is?” If you want to help clients move from simply retired to truly thriving, this conversation will teach you how to guide clients through the non-financial side of retirement. You'll Learn: The 4 psychological phases of retirement The 90/10 rule of retirement no one prepares you for How Fritz shifted from a saving to spending mindset The #1 mindset that helped him create a thriving life after work The emotional transition most retirees go through and how to prepare for it         *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: Book: Keys to a Successful Retirement by Fritz Gilbert Book: Control Your Retirement Destiny by Dana Anspach Book: Purpose Code by Jordan Grumet Charity: Freedom for Fido Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Fritz Gilbert:  LinkedIn: Fritz Gilbert Website: The Retirement Manifesto About our Guest:  Fritz Gilbert is a writer focused on helping people achieve a great retirement. Following his 33-year career in Corporate America, he has dedicated his retirement to writing on the topic and has become one of the leading bloggers on the subject of retirement, with a focus on both the "harder" (financial) and "softer" (lifestyle) issues that are critical to success after crossing "The Starting Line". His award-winning blog, The Retirement Manifesto, captures "the present before it becomes the past" as it chronicles his journey to and through retirement. His large following is primarily comprised of people approaching, or living in, retirement. His first book, Keys to a Successful Retirement, is a summary of the 24 keys he has identified and experienced in his own successful transition to retirement and is a "must-read" for anyone within five years of retirement. Fritz and his wife, Jackie, reside in the mountains of Blue Ridge, Georgia with their four rescue dogs. They enjoy cross-country travel in their RV to visit their daughter and her family in the Pacific Northwest and are active in charitable work in their local community. When he's not writing, Fritz enjoys a focus on physical fitness and spends as much time as possible in the mountains surrounding their retirement cabin. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy  Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RF...

In this episode of 'Widow Wisdom and Wealth,' host Donna Kendrick and her husband Jim discuss the complexities of managing a career and parenting during life transitions, particularly in the aftermath of loss. They explore their personal experiences of giving up careers to focus on family, the challenges of solo parenting, and the importance of maintaining consistency while adapting to new circumstances. The conversation covers the evolution of their parenting styles, dealing with grief, and the significance of taking things one step at a time. Tune in for a candid and insightful discussion on resilience, adaptation, and love.   00:00 Introduction to Today's Podcast 01:04 Meet Your Hosts: Donna and Jim 01:26 Parenting Before and After Loss 04:43 Jim's Perspective on Parenting 07:07 Blending Families Successfully 12:00 Advice for Grieving Parents 14:45 Closing Thoughts and Future Topics     CONNECT

This episode of Financial Clarity for Doctors delves into some updates to charitable giving under the new One Big Beautiful Bill as well as some other items in the bill that may affect listeners.  Hosts Corey Janoff and Rachelle Vanderzanden walk through some highlights.  Keep in mind that federal policy evolves as the executive branch and Congress evolve.  This is the tax structure for now, but not forever. Changes under the One Big Beautiful Bill Act include: Non-itemizers may deduct charitable gifts of up to $1,000 per person, $2,000 per couple. Itemized deductions will be limited to gifts exceeding 0.5% of Adjusted Gross Income (AGI). Grouping gifts into a single tax year may still be beneficial for many people. Tax brackets, higher standard deductions, and high estate tax exemptions have been made “permanent”. Student loans from the federal government will be limited for new borrowers. Student loan payment plans will be limited to two options for new borrowers: a standard repayment plan and the income-driven RAP plan. The new RAP plan will be 10% of AGI (not discretionary income). Existing borrowers may need to switch payment plans if they are on SAVE or PAYE before July 2028, but still have more options than new borrowers. Most tax credits geared toward energy efficiency are being phased out. Introduction of “Trump” accounts with a $1,000 federal government deposit for kids born from 2025 to 2028. Increased requirements for Medicaid reimbursements may affect many providers.   This bill was huge!  You can listen to the full episode to hear more, but if there is a specific item you think may affect you, do some additional research.  Pay special attention to the energy tax credit phase out if you were planning to do some of this in your home/life, student loans for your kids and your loans if you still have them, and how Medicaid reimbursements may affect you as a provider.  Listen to the full episode to learn more!   For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Ron Anderson, CFP® and founder of Plan A Wealth Management, grew up in a farming family in Nebraska where seeds of financial wisdom and deep faith were planted early. After college, he launched into the world of financial advising—but it wasn't until years later, after moving through several firms, that he stepped out to start his own practice, one grounded in biblical truth and eternal purpose.   A turning point in Ron's life came at a Generous Giving Conference, where God stirred something new in him—a vision for radical generosity and bold obedience. Since then, Ron has committed his life and work to listening for God's voice and faithfully following where He leads, no matter how uncertain the path. His story is marked by courageous leaps of faith, remarkable provision, and a deep trust in God's economy.   Ron also shares his conviction that rest is a discipline, not a luxury—both for himself and those he serves. In this episode, he opens up about how cultivating rhythms of rest has helped him, his clients, and his community live more joyfully, generously, and purposefully.   Major Topics Include: Ron's early life on a Nebraska farm and faith background How he viewed money and wealth in his early career His introduction to generosity and biblical money principles Tanking leaps of faith in generosity Growing trust through obedience in giving How God speaks to Ron about generosity Learning rest through learning trust in God Creating a structure for sabbath rest in his life His sabbath plan and rest retreat for generous givers What his family sabbath plan looks like each week How sabbath rest has changed his work rhythm  What he wishes more people understood about generosity and rest Ron's passion for faith driven investing Advice for using a giving account QUOTES TO REMEMBER “If you're listening and you're following Him, He's going to take care of you, give you unimaginable opportunities, and an adventure of a lifetime in the process.” “If you say ‘yes' to God, He will take you on a journey that you will never regret going on.” “I asked everyone else how much to give, but I hadn't thought about asking God.” “God was showing me He was in control of how much money I had.” “All I had to do was listen and obey, and He takes care of the rest.” “God takes us on a journey when we relinquish control.” “Generosity costs me a lot and gives me just as much in return.” “I think we're supposed to give to what God cares about.” LINKS FROM THE SHOW Generous Giving (see our interviews with cofounders Todd Harper and David Wills and CEO, April Chapman) Kingdom Advisors (see our interview with founder, Ron Blue) The Finish Line Community Facebook Group The Finish Line Community LinkedIn Group BIBLE REFERENCES FROM THE SHOW Psalm 127:2-3 | He Gives His Beloved Sleep   It is in vain that you rise up early and go late to rest, eating the bread of anxious toil; for he gives to his beloved sleep. Behold, children are a heritage from the Lord, the fruit of the womb a reward.   Hebrews 4:1 | The Promise of His Rest   Therefore, while the promise of entering his rest still stands, let us fear lest any of you should seem to have failed to reach it. WE WANT TO HEAR FROM YOU! If you have a thought about something you heard, or a story to share, please reach out! You can find us on Instagram, Facebook, and LinkedIn. You can also contact us directly from our contact page. If you want to engage with the Finish Line Community, check out our groups on Facebookand LinkedIn.   The views and opinions presented here are for general illustrative and informational purposes only.They are not intended to be specific investment, tax or legal advice for any individual and should not be construed as such. Always consult a financial, tax or legal professional regarding your specific situation. All information presented is believed to be from reliable sources, but we make no representations as to their completeness or accuracy. All economic and performance information is historical and not indicative of future results or performance. All investing carries risk including possible loss of principal. Securities offered by Registered Representatives through Private Client Services. Member FINRA/SIPC. Advisory products and services offered by Investment Advisory Representatives through Plan A Wealth Management, a Registered Investment Advisor. Private Client Services and Plan A Wealth Management are unaffiliated entities.

For those of you that are interested in giving, let's try to do so as tax efficiently as possible!  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff walk through a few ways you can give money to the causes that are near and dear to your heart and pay a little less in taxes at the same time.  Often, the larger the gift, the more tax benefits, but even small gifts can potentially have tax benefits. A few ways to get tax deductions for charitable contributions include: Smaller gifts to qualifying non-profits if you already itemize on your taxes. Gifting appreciated stock from non-qualified accounts. Gifting money to donor-advised funds. Setting up private foundations. Bequeathing money from a potentially taxable estate. Setting up a trust specifically for charitable giving. Some of your tax money may go to causes you support, but choosing your own causes can be much more rewarding and potentially lessen that tax burden.  Listen to the full episode to learn more! For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Most retirees prepare financially, but still feel lost when they step away from work. Why? Because emotional readiness is just as critical as a fully funded retirement account. Tony Hixon, CIMA®, RFC® knows this firsthand. After a personal tragedy reshaped his view of retirement, he realized that wealth without purpose leaves a void. Fortunately, Tony created an innovative solution.  In this episode, he shares how his Refocus Coaching Academy helps retirees find meaning, fulfillment, and purpose in life after work.  He also reveals the four emotional pillars that guide his process—and how adding a life coach to the financial planning team has transformed client outcomes. You'll Learn:  How a life coach fits into financial planning  The four pillars of emotional retirement preparation A step-by-step process to create a purpose-driven retirement How his mom's retirement changed his outlook on retirement Why 89% of clients are emotionally unprepared for retirement  *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: Retirement Stepping Stone: Find Meaning, Live With Purpose, and Live a Legacy by Tony Hixon Refocus Coaching Academy Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Tony Hixon:  Hixon Zuercher LinkedIn: Tony Hixon TonyHixon.com About Our Guest:  Mr. Hixon is Co-Founder and Chief Executive Officer of Hixon Zuercher Capital Management. In addition to leading the firm, Tony also serves on the firm's Wealth Management Team and is a Co-Portfolio Manager on the Asset Management Team. Tony has had experience providing investment services since 2003 and providing financial advisory services since 1999. Prior to co-founding Hixon Zuercher Capital Management, Tony worked at a CPA firm for nearly four years specializing in accounting, tax planning, and tax preparation for high-net-worth individuals. In 2021, Tony released his book: Retirement Stepping Stones: Find Meaning, Live with Purpose and Leave a Legacy.  In it, he shares the heartbreaking story of his mom, Pam Hixon, who tragically took her own life after struggling to find purpose in retirement. Tony instructs his readers on how they can prepare for a meaningful retirement beyond the numbers.  He continues to write weekly articles on topics like family, finances, faith, and retirement at TonyHixon.com. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of R...

**Connect with Us:**- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify- Share your stories or questions:  info@FordFG.com- Find us on the Web: FordFG.comThe opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.Send in your questions!

There is a lot of “common knowledge” in life that may or may not be right for you.  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff debunk some financial planning myths that simply don't hold true for most people any longer.  As always, you should take the specifics of your situation into consideration when making any financial decisions. “Myths” discussed include: You can set up a financial plan once and then call it good! All debt is bad. Renting is a waste of money. Social security will go bankrupt (and there will be no remaining benefits) by the time you retire. The goal of investing is to get the best returns. And so many more! As we start feeling a little more comfortable talking about money, we can learn a lot from the people and resources around us!  But we can also gather information that is incorrect or just isn't appropriate for your own plan.  Take a little time to make decisions (especially big ones) with your personal goals and information in mind and don't rely on “common knowledge”.  Listen to the full episode to learn more! For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

What if your onboarding process could become your most powerful referral engine? Most advisors overlook onboarding as a strategic growth tool—and that's a mistake. In this episode, Brendan Frazier sits down with Libby Greiwe, founder of The Efficient Advisor, podcast host, and author of The First 100 Days: The Advisor's Blueprint for a Remarkable Client Experience. Libby walks through how to assess your current process, design it around your clients' emotions, and shift their experience from uncertainty to confidence. All while laying the foundation for lifelong loyalty and a steady stream of referrals. You'll Learn:  How you can assess your onboarding process to identify areas for improvement  Designing your onboarding experience to align with your clients' emotions  The three layers that make up a great onboarding process  How a “Domino's pizza tracker” style system can help keep clients informed and engaged  How hosting signing parties for paperwork could reduce friction and improve the client experience  The role of remarkable human connections and clear expectations plays in onboarding success  *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources:  The First 100 Days Course Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Libby Greiwe:  The Efficient Advisor LinkedIn: Libby Greiwe About our Guest:  Libby Greiwe helps financial advisors build efficient, systematized businesses—so they can work less, feel less overwhelmed, and fall back in love with their practice. When she began her career in financial services, Libby was logging 80-hour weeks at a large brokerage firm. It didn't take long for her to recognize that most advisors weren't struggling due to a lack of knowledge—they were struggling because they lacked efficient systems. That realization set her on a mission to change the way advisors work. Through The Efficient Advisor, Libby now teaches advisors how to organize their practice, streamline operations, and deliver an exceptional client experience—while reclaiming their time and energy. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

Decisions of the Heart: Helen Bernie on Managing Finances, Family, and Blending Lives | Widow Wisdom and Wealth In this episode of the Widow Wisdom and Wealth podcast, host Donna Dean Kendrick interviews Helen Bernie, a divorcee, small business owner, and health coach. Helen shares her journey of managing her business through a divorce, blending families, and navigating finances in a new relationship while raising four kids. Listen to Helen talk about the importance of proportional income splits and decision-making in relationships, and learn how she expanded her career amidst personal changes and the COVID-19 pandemic. Helen's story is a valuable lesson in balancing personal and professional life and moving forward positively after a significant life change. 00:00 Introduction to Today's Episode  01:18 Meet Helen Bernie: A Journey Through Divorce and Business 02:27 Helen's First Marriage and Career Transition 08:13 Navigating Divorce and New Beginnings 14:46 Blending Families and Managing Finances 17:03 Rewinding the Story 17:29 Deciding to Move 17:58 Children's Reactions 18:40 Financial Dynamics 19:39 80/20 Split Challenges 20:46 Emotional and Financial Struggles 22:37 Decision-Making in Relationships 25:34 Transparency and Vulnerability 28:08 Future Plans and Reflections 30:21 Business and Health Coaching Connect with our guest Helen!  Here are her social media links: https://www.facebook.com/helen.birney.2025 https://www.linkedin.com/in/helen-birney-cultivatehealth https://www.instagram.com/cultivatehealth_with_helen https://www.cultivatehealthcoaching.com  _______________________________ CONNECT

Some investments are flashier or more exciting than others.  But do you really need flashy and exciting to meet your financial goals?  In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden and Corey Janoff talk about alternative investment strategies and whether you may need them as part of your investment strategy. This episode covers some basics of alternative investments including: Advantages and disadvantages of these kinds of tools. Advantages include diversification and potentially higher returns. Disadvantages include potential for greater losses, higher costs, lack of liquidity, and less regulation than more traditional investments. Different types of alternative investments (hedge funds, structured notes, private equity, etc.) How to evaluate whether these may be an appropriate addition to your plan. As always, whether a particular strategy makes sense for you depends on your financial status, goals, and even personality.  Most folks will not need complicated alternative investments to meet their goals, but it can be something to consider for folks who are willing to take on more risks and costs to explore something a little different (and potentially exciting if you are successful). For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

The most common mistake advisors make with prospects? They deliver a logically-driven pitch showcasing all the ways they can help. But, prospects make decisions with the emotional part of the brain. And, that's why logical pitches fall on deaf ears. Stacy Havener, Founder and CEO at Havener Capital Partners, has raised billions for boutique asset managers, and she did it with words, not numbers. Her story-driven method taps into something most pitches miss: emotion. If you want to connect with prospects, you need to master the art of storytelling. In this conversation, she unpacks why logic-based pitches fail, how to structure a first meeting to connect at a human level, and the neuroscience behind compelling narratives that convert. You'll learn:  How you can set the tone for a vulnerable and authentic conversation How to turn a good story into a compelling offer that moves clients to action Structuring prospect meetings to build an emotional connection and trust from the start The science behind storytelling and how it triggers buying decisions at a subconscious level Tips for creating powerful “backstories” and using emotional cues that resonate with your audience *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: The Courage to Be Disliked by Ichiro Kishimi and Fumitake Koga  Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Stacy Havener:  LinkedIn: Stacy Havener Website: Havener Capital Partners About our Guest:  Stacy Havener is the Founder/CEO at Havener Capital Partners, a sales and marketing agency that helps boutique asset managers build, launch and grow funds. Havener Capital is on a mission to level the playing field in asset management by raising $100B for boutiques over the next decade. Stacy holds her Series 6, 7, 24, 63, 66, and 79 licenses and is a registered representative of Compass Securities Corporation. She received her Bachelor of Arts in English Literature from Western Connecticut State University, graduating summa cum laude in 1998. That same year, Stacy was named to both the NCAA and the GTE/CoSida Academic All-American teams for Division III Women's Soccer and subsequently nominated for NCAA Woman of the Year. Based in Newport, RI, Stacy often spends her mornings walking the beach, sipping a Dunkin' coffee, and listening to 90's hip hop – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of...

**Connect with Us:**- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify- Share your stories or questions:  info@FordFG.com- Find us on the Web: FordFG.comThe opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.Send in your questions!

In this episode of Widow Wisdom and Wealth, we dive deep into balancing career and parenthood after experiencing loss. Donna introduces business professional Audrey Faust, a CFO with unique methods that blend financial expertise and personal development. Audrey shares invaluable insights on entrepreneurship, from the importance of separating personal and business finances to strategies for scaling a business. Alongside discussing key financial strategies, Audrey highlights the role of money mindset and manifesting success, revealing how she integrates these concepts into her coaching. The episode is packed with practical advice and empowering stories for sole parents, aspiring entrepreneurs, and those navigating major life transitions. 00:00 Introduction to Widow Wisdom and Wealth Podcast  00:39 Meet Audrey Faust: CFO with a Unique Approach 01:15 Balancing Career and Parenthood After Loss 02:37 Financial Tips for New Entrepreneurs 03:41 Understanding Business Finances 06:40 The Importance of Keeping Business and Personal Finances Separate 13:13 Scaling Your Business: A Case Study 19:26 The Power of Money Mindset and Manifestation 28:53 Personal Stories and Practical Tips 32:36 Exciting Announcements and Future Plans More about our guest Audrey! Audrey Faust is a CFO, financial strategist, and the creator of Profitable Business Academy, where she helps women entrepreneurs master their financials, pricing, and business strategy to build sustainable, scalable, and profitable companies—without burning out. Links: Website: www.audreyfaustconsulting.com LinkedIn: https://www.linkedin.com/in/audreyfaust/ Instagram: https://www.instagram.com/businessfinancialliteracy/ Youtube: https://www.youtube.com/channel/UCfY8RjyfArU1m14acmR3-Lw Buy 'She Grows Rich' Book: https://a.co/d/32IXRAl Join the Profitable Business Academy: https://www.audreyfaustconsulting.com/profitable-business-academy      _______________________________ CONNECT

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss how our expectations adjust over time.  If we continue to want more and more, how will we ever be satisfied with what we already have? Discussions in this episode include: Nostalgia about the “good ol' days”. Comparisons of expected standard of living in the middle of the twentieth century and today. How personal expectations change over time. Most folks don't want to live like college students as working adults! The idea that rising expectations leads to more work and money to meet those expectations. Ways to potentially curb your expectations so you are less reliant on money and work. Much of financial planning is behavioral.  If you can adjust your behavior, it may be much easier to meet your goals. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

What if retirement planning wasn't just about saving but about learning how to spend? In Part 2 of The Human Side of Retirement,  Brendan Frazier continues his conversation with Dan Haylett to explore the emotional and psychological aspects of decumulation. They dig into the behavioral side of this transition, why a "save, save, save" mindset can hold clients back, and how to reframe retirement as a time to pursue fulfillment. And they offer practical strategies advisors can use to guide clients through this transition so retirement becomes not just a financial milestone, but a fulfilling new chapter. You'll Learn:  Mastering the skill of spending money in retirement  Creating intentional spending habits to smooth the transition  Reframing the success rates of financial plans  The significance of the 50 to 70 "sweet spot" years for optimal life experiences  *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Dan Haylett:  Humans vs Retirement LinkedIn: Dan Haylett TFP Financial Planning About Our Guest:  Dan Haylett is the director, Head of Growth, and financial Planner at TFP Financial Planning. As a co-director of TFP, Dan's “pull back the duvet every morning” purpose is helping our clients spend their time and money on what's truly important. His passion for understanding and learning about the emotional, behavioural and financial challenges of life after work makes him a true specialist in helping clients have the freedom and confidence to take advantage of their ‘window of spending opportunity' and live their best life. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

Public Service Loan Forgiveness is a hot topic for many medical professionals still trying to work their way out of school debt.  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff walk through the current state of the program and whether or not it's still worth pursuing. This episode discusses: The basic parameters of Public Service Loan Forgiveness (PSLF). Historical context of proposed changes to the program. The current payment plan drama, including where we are at with the SAVE plan. Possible next steps for folks with federal student loans. As with everything, whether a particular path is appropriate for you depends on your individual circumstances.  If you believed PSLF was a good fit for you previously, chances are that program is still a good “Plan A”.  But just like other parts of your financial plan, it is always helpful to have a Plan B. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Retirement isn't just about reaching a number - it's a deeply personal transition that requires more than financial planning. By understanding what truly matters beyond the numbers, you can better support clients in creating meaningful and fulfilling retirements. In Part One of this episode, Dan Haylett emphasizes the importance of shifting the focus from financial figures to human connection, purpose, and lasting memories. And he walks through the Retirement Planning Workbook he uses with clients to help them live with purpose, joy and meaning in retirement You'll Learn:  The importance of understanding the emotional aspects of retirement and his own experiences helping clients navigate this transition The revolutionary "Retirement Planning Workbook" he developed to address the human side of retirement How to help clients spend their savings meaningfully to create lasting memories *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Dan Haylett:  Humans vs Retirement LinkedIn: Dan Haylett TFP Financial Planning About Our Guest:  Dan Haylett is the director, Head of Growth, and financial Planner at TFP Financial Planning. As a co-director of TFP, Dan's “pull back the duvet every morning” purpose is helping our clients spend their time and money on what's truly important. His passion for understanding and learning about the emotional, behavioural and financial challenges of life after work makes him a true specialist in helping clients have the freedom and confidence to take advantage of their ‘window of spending opportunity' and live their best life. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

Channing Hamlet, Managing Director and Co-Founder of Objective, Investment Banking & Valuation, joins Amanda Ma, CEO & Founder of Innovate Marketing Group, to discuss the rising "flight to quality" in the event industry. Learn how consolidation is transforming the landscape — and how event businesses can adapt, scale, and thrive in a shifting market.About the guest:Channing Hamlet is the Managing Director and Co-Founder of Objective, Investment Banking & Valuation. He leads the firm's Business Services & Life Sciences Practice. With over 25 years of experience in investment banking and business valuation, Channing brings deep expertise and strategic insight to Objective's clients. His recent notable transactions include the sale of 360 Destination Management to H.I.G. Capital and Supreme to Trinity Hunt Partners. An active member of the Los Angeles advisor community, Channing has served on the boards of the Exit Planning Institute, ACG LA, and EO LA. He is also passionate about philanthropy, particularly through his involvement with Reality Changers.  Prior to joining Objective, Mr. Hamlet served as a Managing Director of Cabrillo Advisors, where he was instrumental in both leading their M&A execution and growing the valuation practice from inception into a national entity serving more than 700 clients in five years. Previously, he served as a Director at Vistage; Principal at LLR Partners, a $260 million private-equity firm; and member of Legg Mason's Investment Banking group. He has a Master's Degree in Operations Research and a Bachelor of Science in Mechanical Engineering from Cornell University. He holds FINRA Series 7, 63 and 79 licenses and is a Registered Representative of BA Securities LLC, Member FINRA SIPC.Connect with Channing Hamlet on LinkedIn hereRead about the sale of 360 Destination Management Group hereDownload the The Introspective CEO's Guide to Selling a Business, a high-level workbook covering key considerations for those contemplating a sale here.Objective, Investment Banking & Valuation is a leading firm serving middle market companies across key industries including Business Services, Consumer, Healthcare Tech, Life Sciences, Manufacturing, and Technology. We offer M&A advisory through our investment banking group and a full suite of valuation services for tax, financial reporting, and strategic planning. Since 2006, our team has completed over 500 M&A deals and thousands of valuations. Learn more at objectiveibv.comThis podcast episode is for informational purposes only and does not constitute investment, legal, or tax advice. Securities offered through BA Securities, LLC, Member FINRA, SIPC. Objective and BA Securities, LLC are separate, unaffiliated entities.EventUp is brought to you by Innovate Marketing Group. An award-winning Corporate Event and Experiential Marketing Agency based in Los Angeles, California. Creating Nationwide Immersive Event Experiences to help brands connect with people. To learn more, click here⁠⁠.Follow us!Find us on ⁠⁠LinkedIn, ⁠⁠⁠⁠EventUp Podcast LinkedIn⁠⁠ , and ⁠⁠Instagram

In this episode of Financial Clarity for Doctors Finity Group financial advisors, Corey Janoff and Rachelle Vanderzanden, discuss a few ways you can work through how to value your own time. Valuing your time: Why does it matter? This can help you decide all sorts of things!  Such as…. How much to work (assuming you have the flexibility to decide) Whether it makes sense to do something yourself or pay someone else to do it How to discuss finances with family and loved ones Your time spent in training is an investment in future earnings, which are not simple to predict. As an attending, think about how much time you spend to be able to work. This includes time at work, getting to work, continuing education, and time at home spent on work tasks. If you know your total time commitment per year and your annual pay, you can get a basic hourly rate for yourself and use that to decide lots of things. For example, buying this new car is equivalent to me working five hours per month – is that worth it to me? Money isn't everything.  Some people work to live.  If that's you, take some time to consider how much work you are doing to support your lifestyle and whether that's worth it to you.  Other people love their work!  If that is closer to your attitude, you may want to work more even if the pay is low.  There are no wrong answers if you are making decisions that fit you and your family.  Listen to the full episode to learn more!  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Financial planning is a service-based business. You're selling the invisible. It can't be seen, touched or experienced before buying. Prospects are forced to search for other ways to evaluate the value of working with you (most of which are NOT great options to inform such an important decision!). Fortunately, Michael Lecours, a financial advisor and co-founder of fpPathfinder, joined the show to explain the challenges of communicating the value of an intangible service and share specific ideas to make the financial planning experience more tangible. You'll Learn: How a dentist office made their service more tangible The invisible influences that drive a prospect's decision Using a client journey map to enhance client experiences What Airbnb can teach us about marketing the real value of an advisor *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here   Resources: Harvard Business Review: Know Your Customers' “Jobs to Be Done” fpPathfinder: Popular Checklists & Flowcharts “Alchemy: The Dark Art and Curious Science of Creating Magic in Brands, Business, and Life” by Rory Sutherland  “The Checklist Manifesto: How to Get Things Right” by Atul Gawande Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Mike Lecours:  fpPathfinder LinkedIn: Michael Lecours About Our Guest:  Michael Lecours, CFP® is a Co-Founder of fpPathfinder. He is also a financial advisor and planner at the Wealth Strategies Team. Michael began his career in advertising where he worked to develop marketing strategies for insurance companies, banks, credit unions, RIAs and hedge funds. Now, he leverages his background in advertising to distill complex financial planning concepts into straightforward strategies, apply behavioral finance concepts to the planning process and injects a disciplined approach to all facets of the client experience. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

CFP and host, Bryan Kuderna, discusses the history of Social Security and the current state of the entitlement before explaining how Social Security benefits get taxed. The episode concludes with several tips to mitigate Social Security taxes in retirement. For more information on Social Security, head to https://www.ssa.gov. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194

The conversations you have with clients during uncertain markets are the most important you'll ever have. Helping them safely and confidently navigate times like these is likely the single most important thing you'll ever do… If you know how to do it! In this episode, Brendan walks through a 4-step framework to equip you with everything you need to confidently guide your clients through uncertain markets You'll Learn: The critical mindset shift you must make before these conversations What goes on inside the mind of your clients when they call Why your charts and graphs are a waste of time (unless used correctly) *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

Headlines, federal government funding issues, and stock market volatility can lead people to question how secure their own place is in the economy. How will this impact my job and my income?  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff, walk through a few things that MAY impact the job market for physicians and other medical professionals. As always – It depends! Policy at the federal government level may affect your job, but this is so hard to predict ahead of time! Those effects could be a reduction in staff, changes in pay, or potentially just more work (if other staff is reduced). You may need to make some adjustments in the future if: You are a federal employee Your position is funded (even partially) by grant money from federal institutions You have many patients on Medicaid and/or Medicare You work for a hospital or university with non-profit status. This could be challenged in the future, which could potentially affect student loan repayment and your employer's cash flow. These adjustments may be a change in how much you work, how much time you are spending on research, or even finding a different job entirely. Keep in mind that as a medical professional, you generally have more job security than the average person.  But it's still important to have adequate emergency reserves and a backup plan no matter who you are. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Most advisors know they need to integrate the human element into their practice. But, it's hard to decide WHAT to do and HOW to do it. Fortunately, Danielle Howard has successfully studied, tested and integrated the human element into her practice for over 30 years. And, through those years of learning and testing, she built the “Journey of Financial Health” process. In this conversation, Danielle reveals the steps of this process and how it helps her uncover client's mindsets, beliefs, and identities around money. You'll Learn: The role of identity in financial decisions The “Journey of Financial Health” Client Process The surveys she uses to facilitate deeper conversations A question to help clients focus on their financial “wins” How to run group workshops and hands-on client experiences *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: “The Soul of Money” by Lynne Twist “Atomic Habits” by James Clear “The Body of Money” by Gayle Colman Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Danielle Howard:  Website: Danielle Howard CFP® LinkedIn: Danielle Howard, CFP® CKA® danielle@wbd4u.com 970-927-3909 About Our Guest:  As a CERTIFIED FINANCIAL PLANNER™ author, speaker and founder of Wealth By Design, LLC and Danielle Howard, CFP®, she is a catalyst for change around the financial tools, techniques and temperaments that construct a person's financial life. She is a blogger, podcaster and outspoken advocate for people heading into their fall season of life. Bridging the gap between Wall Street and Main Street, she brings complex financial topics and concepts down to earth. She opens the door to new conversations around money. Her engaging workshop - "Financial Fingerprints to Footprints™" provides an opportunity for people to look at their mindsets around money and learn how to build on the wins or rewrite the scripts. With on-line tutorial opportunities and in person educational events, she brings a fresh perspective to the pecuniary world. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

With the first quarter of the year behind us, Frank Congilose, Managing Partner at C&A Financial Group, and Mike Trudel, Managing Director at BlackRock, reflect on recent market volatility and share insights to help investors stay confident and focused as they plan for the rest of the year.Recorded: April 16, 2025C&A Financial Group is an agency of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: C&A Financial Group: 2111 Route 34, Suite 100, Wall, NJ 07719, (732) 528-4800. PAS is a wholly owned subsidiary of Guardian. This firm is not an affiliated or subsidiaries of PAS. This material is intended for general use. By providing this content Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS). This material is intended for general use. By providing this content The Guardian Life Insurance Company of America and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. C&A Financial Group is not an affiliate or subsidiary of PAS or Guardian. Frank Congilose California License# 0M07287.Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. An opinion stated are their own. Diversification does not guarantee profit or protect against market loss. All investments contain risk and may lose value. Investing in the bond market is subject to certain risks including market, interest rate, issuer, credit, and inflation risk. Equities may decline in value due to both real and perceived general market economic and industry condition. Investing in foreign securities may involve heightened risk including currency fluctuation, less liquid trading markets, greater price volatility, political and economic instability, less publicly available information, and changes in tax or currency laws. Such risks may be enhanced in emergent markets. Past performance is not a guarantee of future results. Data and rates used are indicative of market conditions as of the date shown. Opinions, estimates, forecasts, and statements of financial market trends are based on the current market conditions and are subject to change without notice. References to specific securities, asset classes and financial markets are for illustrative purposes only and do not constitute a solicitation, offer or recommendation to purchase or sell securities. Past performance is not a guarantee of future results. S&P 500 Index is a market index generally considered representative of the stock market as a whole. The index focuses on the large cap segment of the U.S. Equities Market. Industries are managed and cannot invest directly. 2025-7871162.1 Exp 04/27To learn more about C&A Financial Group, schedule a meeting or to consider a career with us, visit www.ca-strategy.com for more information. Follow us online on Facebook, LinkedIn and YouTube

One of the questions our advisors get most frequently from clients is, “Am I on track?”  In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden, walk through a few ways to evaluate progress toward your goals. Steps to assess your progress: First, decide on what you are trying to achieve! Goals are different for everyone. This can be retirement, college savings, debt repayment, and many other financial goals. For debt repayment, if you have a plan and an end date, you can see if you are on track! Simple debt calculators can help with this. Decide on a time frame you'd like the debt to be repaid, enter in the interest rate, principle amount, and time frame and you will know how much you need to pay each month. Could be anything from paying off student loans in five years to repaying your mortgage before you retire at Age 60, For college saving, this can vary dramatically depending on your goals. Simple calculators for this online as well, but must use many assumptions about the costs and investment returns. A little more challenging! Can be very challenging to assess progress toward retirement goals. Think about the lifestyle you'd like to have, when you may want to retire, and how much you are able to save. These are things you can control a bit, whereas you cannot control investment returns. Don't pay attention to benchmarks online. This is different for you based on your career trajectory.  Look at your individual situation. Many young medical professionals are not “on track” based on common online metrics, because you are getting a late start!  Do your best to focus on these goals early in your attending career, and you should be able to make progress very quickly.  Then assess your progress over time. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

The conversations you have with clients during uncertain markets are the most important you'll ever have. Helping them safely and confidently navigate times like these is likely the single most important thing you'll ever do… If you know how to do it! In this episode, Brendan walks through a 4-step framework to equip you with everything you need to confidently guide your clients through uncertain markets You'll Learn: The critical mindset shift you must make before these conversations What goes on inside the mind of your clients when they call Why your charts and graphs are a waste of time (unless used correctly) *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden, discuss some of the basics of pensions.  How do you get one, what are the benefits, and exactly how do these things work? Some pension basics covered in this episode include: What type of employers off these retirement plans and who contributes to them. The types of investment risk associated with these plans (and who takes that risk). How pension benefits are calculated – this can vary but is often offered as a monthly or annual benefit amount in retirement. How to compare the benefit of a pension to other employer retirement plan offerings. This can be especially helpful if you are offered a choice between a pension benefit and a 403b or 401k. Lots of folks think of pensions as an additional benefit provided by employers that are working hard for their employees, but every plan is different.  Some of funded by the employer, some are funded by the employee, or a combination of the two.  Take some time to evaluate the quantitative benefit of any retirement plan when you're considering new employment opportunities. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Talking about money remains one of the most challenging topics for many, often shrouded in silence and taboo.  Why do we hesitate to engage in money conversations, and how can financial advisors help break this cycle? Join Brendan Frazier as he chats with Kathleen Burns Kingsbury, the mastermind behind KBK Wealth Connection and author of "Breaking Money Silence."  Together, they delve into why we're so reluctant to talk about money and offer actionable steps to conquer these barriers. You'll Learn:  The generational silence around money and how it's perpetuated. Real-life stories of breaking money silence and their impact. Risks of avoiding money conversations and unrecognized consequences. Tactical steps for advisors to build trust and facilitate meaningful financial discussions. *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Kathleen Burns Kingsbury:  KBK Wealth Connection LinkedIn: Kathleen Burns Kingsbury About Our Guest:  Kathleen Burns Kingsbury isn't your average money mindset coach; she's a pioneering force in the realm of women and money, setting her apart from conventional counterparts. With over 18 years of specialized experience, she's dedicated herself to empowering women across finance, business, and entrepreneurship. As a mentor to female entrepreneurs, Kathleen offers invaluable guidance, drawing from her extensive background in wealth psychology and client communication. Her expertise extends to working with financial advisors, helping them navigate the complexities of wealth management while fostering stronger client relationships. Her signature program, “Unleash Your True Value™: How to Shift Your Negotiation Mindset, Boost Your Confidence, and Close More Sales,” is the culmination of her expertise, honed through years of helping women executives, financial advisors, and entrepreneurs break free from money silence. A graduate of Harvard Law School's Program On Negotiation, Kathleen served as an adjunct faculty member at the McCallum Graduate School at Bentley University from 2009 to 2019, where she taught the Psychology of Financial Planning in the CFP® program. She currently teaches Strategic Negotiations in the Business and Management School at Champlain College. She is certified Co-Active Coach with a Masters Degree in Psychology and Bachelors Degree in Finance. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser.

In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden walk through some of the most common questions they hear from clients.  Everything from ‘why is the sky blue?' to ‘how do you capture a swarm of honeybees?'  Just kidding!  They're all questions about money.  Below are a few examples. Common questions include: Is now a good time to invest? Should I make changes to my investments based on current news headlines? Should I try to pay off my mortgage quickly? Should I invest in real estate? Should I pay for my new car in cash or take out an auto loan? Do you think PSLF is going away? Do I really need disability or life insurance? And many, many more…. Everyone has questions!  Listen to the full episode to hear how Corey and Rachelle tackle these ones with clients on a day-to-day basis. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Bryan compares Trump's first term including the economic landscape, stock market, global conflicts, and tariff schedule to Trump's second term. He highlights the impact of initial tariffs against China and the Tax Cuts and Jobs Act on the stock market in 2017 and 2018. Many similarities between the two terms and their trade wars can offer insights to investors. This episode's content can be supplemented by a more historical view on economics in Bryan's book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 

Financial advice is no longer just about offering services—it's about creating real, meaningful experiences for clients.  Because an experience unlike any other is the difference between a one-time sale and a lifelong client. You want to create experiences so exceptional that your clients aren't even interested in hearing about an alternative.  And, they can't wait to tell their friends and family about it. Fortunately, Dennis Moseley-Williams is a client experience guru and explains how to elevate your client experience to create raving fans and grow your business. You'll Learn: Why efficiency is the executioner of experience Why all advisors need a secret belief to share with clients The important distinction between service and experience Lessons about the client experience from The Ritz-Carlton A social media experiment to enhance the client experience *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Dennis Moseley-Williams: Serious Shift | Inner Circle by DMW Strategic Consulting Dennis Moseley-Williams Strategic Consulting LinkedIn: Dennis Moseley-Williams About Our Guest:  Dennis is the founder of Dennis Moseley-Williams Strategic Consulting, a practice management company that helps organizations secure and build sustainable relationships by creating experience-driven solutions that deliver results, increase revenues, and build enthusiastic referral-generating communities. A certified expert in the Experience Economy, Dennis helps organizations understand that customer experience is the predominant economic offering in the world today and demonstrates ways in which experiences can be crafted and staged so that they entice, educate, satisfy and transform – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

Most folks, including doctors, do not end up staying in their first jobs long-term.  In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden talk over some of the financial implications of career transitions. These implications include: Changes in income amounts and the structure of pay Differences in work requirements Tax differences from place to place Things to look for in retirement plans and how to compare them Other benefits, including insurances How to negotiate as you consider a change This episode also covers many of the reasons physicians may choose to switch jobs and how to make transitions as smoothly as possible. Job changes can be hugely stressful, and being well-informed is a very important part of that process.  Listen to the full episode for more to keep in mind as you think about making this big life change!   For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

If you want to grow your advisory business by bringing on new clients, you have to get three things right: Your marketing, messaging and meetings. Marketing: You have to attract the right prospects and repel the wrong ones. Messaging: You have to connect with the prospect. Meetings: You have to create an experience that infuses trust and clarity. Most advisors execute one or two of these at a high level. But those excelling at all three are growing the fastest.  David Armstrong, President and Co-founder of Monument Wealth Management, shares how they have married all three to propel the firm's growth. You'll Learn:  Why SEO might be dying as a marketing strategy The “Monument Blueprint Process” to go from prospect to client The 'Peanut Butter and Jelly' fit strategy for ideal client relationships The future of search and the importance of content in AI-driven results How they use whiteboards for a collaborative and visual discovery meeting *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: Perplexity AI Turo Carsharing Company Financial Advisor Magazine 125: Building A Screening Process To Identify Perfect-Fit Prospects Ready To Act with Dr. Meghaan Lurtz Your Money and Your Brain by Jason Zweig Reminiscences of a Stock Operator by Edwin Lefèvre Zero To One by Peter Thiel and Blake Masters Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with David Armstrong:  Linkendln: David B Armstrong Monument Wealth Management Instagram: @monumentwealth Moments in Leadership About Our Guest:  David Armstrong is the president and co-founder of Monument Wealth Management, an RIA based in the DC area, recognized as one of America's top RIAs by Financial Advisor Magazine. Monument Wealth Management is dedicated to providing unfiltered opinions and straightforward advice, which sets them apart from the typical industry offerings. David also hosts the "Moments in Leadership" podcast, where he shares his expertise on leadership and wealth management. The firm's approach focuses on delivering practical, no-nonsense advice to clients in an often crowded market. To learn more about Monument Wealth Management and their unique approach to financial advisory, visit their website at www.monumentwealthmanagement.com. — Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission,

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff walk through some of the attention-grabbing headlines during the first few weeks of President Trump's second term.  Most people have at least some reaction to everything we see, but how might this affect your finances? Topics covered in this episode include: Policy proposals and potential economic impacts (or lack of economic impacts). How is the stock market reacting to dramatic headlines? The potential impacts of new policies on medical careers. Student loans. When you are investing for the long-term, it doesn't usually make sense to adjust your strategies based on what's happening in the world at this moment.  BUT it is completely understandable to want to debrief.  We are all notoriously terrible at how current news headlines will affect the economy and the stock market, so try not to let your knee-jerk reactions impact your investment decisions. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

We all have an idea of what retirement will be like. But what happens when reality doesn't match your expectations? For many, the transition from a structured career to unstructured free time isn't as easy as it seems. That's exactly what happened to Tom Pendergast. Tom is a retired professional who found himself facing an unexpected challenge: boredom In this episode, Tom reveals his personal journey through the human side of retirement—the identity shifts, the search for purpose, and the unexpected struggles that come with it. You'll Learn:  Why Tom's initial idea of retirement didn't match the reality The challenges of shedding a career identity and finding a new purpose Experiments Tom tried to create a more meaningful retirement The role a financial advisor can play in easing the transition *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: 45: Designing A Discovery Process To Maximize Return On Life with Mitch Anthony 120: The Three Cornerstones of a Happy And Fulfilling Retirement with Michael Finke Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Tom Pendergast:  Substack: Tom Pendergast LinkedIn: Tom Pendergast About Our Guest:  Tom Pendergast is a writer and editor with eclectic interests, including cars, birds, outdoor exploration, baking, cybersecurity, and privacy. He often jokes that he's no longer fit for corporate work, but his career has included serving as the Chief Learning Officer at MediaPRO, a cybersecurity and privacy education company. Before that, he founded and ran Full Circle Editorial, a book packaging company, with his wife, Sara. During that time, he authored and edited two dozen books and countless articles. He also served on the local school board and remains interested in local politics. He lives in Snohomish, Washington, with his wife, artist Sara Pendergast. They have two grown children and a close-knit circle of friends. Together, they enjoy hiking, racing cars, drinking beer, gardening, watching birds, and making the most of life. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss all the fun expenses that come along with pet ownership.  When you love something, it tends to cost you a little more! Topics covered in this episode include: Basic ongoing expenses of pet ownership. How the costs of pet ownership have changed over time. The ins and outs of pet insurance. How to be prepared for large, unexpected costs and deal with them when they arise. We have all heard or experienced the horror stories of a nine-week-old puppy eating socks or chocolate.  As a pet owner, expecting the unexpected is a great place to start.  To learn more, listen to the full episode. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this insightful episode of Slick Talk, Wil Slickers introduces a new format that expands beyond hospitality into business and entrepreneurship. Wil is joined by Shane Bauman, founder of RISE Wealth Strategies and host of 'Building the Biz' podcast. Shane shares his vision of freeing people from debt and the constraints of the financial system to enable them to live beyond money. Together, they dive into creating sticky company cultures, overcoming mindset challenges, fostering empathy in the workplace, and the importance of intentionality. Shane also discusses his entrepreneurial journey, personal struggles with shame, and practical strategies for achieving long-term goals. Tune in for a deep and candid conversation packed with valuable insights for entrepreneurs and business leaders navigating today's challenges. This episode is brought to you by our sponsors at: This episode is brought to you by Fido! Professionals know that taking out the trash suck and is often missed! Well, not anymore, because Fido offers amazing bin-to-curb service. If you mention the podcast, they will take great care of you! Go to getfido.com to learn more! Hostfully – Use code SLICKTALK for three months free of their digital guidebook or $100 off their property management platform! Send Squared, the Hubspot for Hospitality Brands & Professionals! Get your business and leads organized and automated with Send Squared, the industry's best CRM! ——– Thank you for tuning into our podcast! Slick Talk is a Hospitality.FM production, and you can find more of our shows at Hospitality.FM or anywhere else you listen to your podcasts! Listen to more episodes on our website and take a look at our amazing podcast and network sponsors that make this all possible! You can also listen to our Monday morning podcast, Good Morning Hospitality, where we discuss the industry in a more casual setting! If you ever want to contact us for guest suggestions or anything else related to the podcast, please fill out our contact form, and we will be in touch! Last but not least, we love to connect on LinkedIn! Let's connect there so you can see the daily content we post beyond the podcast! Disclosure: Shane Bauman is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. RISE is not an affiliate or subsidiary of PAS or Guardian. This podcast is for informational purposes only. The host and their firms are not affiliated with or endorsed by PAS, Guardian, or RISE and opinions stated are their own. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. 7547852.1 Exp. 1/27 Learn more about your ad choices. Visit megaphone.fm/adchoices

We all know that true wealth goes far beyond money. Yet, we all act as though money is the ultimate end game. Like when your client says, “Once I get to $_____, then I'll be ready.” But money is simply a tool to fund the life you want to live. And once you know how to use it, it's a powerful tool for enhancing your happiness, meaning and fulfillment. But what are the ways that money can buy happiness? How can you use money to feel more fulfilled? Fortunately, Dr. Daniel Crosby is a leading expert in behavioral finance and the author of “Soul of Wealth: 50 Reflections on Money and Meaning.”  And, in this episode he'll share specific ways you can use money to fund the life you want to live. What You'll Learn: How and why you should use your money to buy time A simple gratitude idea that instantly boosts your happiness Ideas to help clients cope with the discomfort of market uncertainty An exercise to determine whether your spending aligns with your values A personal story that shook him to realize that true wealth is more than money *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: “The Soul of Wealth: 50 Reflections on Money and Meaning” by Daniel Crosby “Standard Deviations” Podcast by Dr. Daniel Crosby Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Dr. Daniel Crosby:  LinkedIn: Dr. Daniel Crosby, Ph.D X: @danielcrosby About Our Guest:  Dr. Daniel Crosby is a psychologist and behavioral finance expert who helps organizations understand the intersection of mind and markets. Dr. Crosby's first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards and has been translated into 12 languages. His third book, The Behavioral Investor, was Axiom's best investment book of 2019 and is a comprehensive look at the neurology, physiology and psychology of sound financial decision-making. When he's not decoding market psychology, Daniel is a husband and father of 3, a fanatical follower of the St. Louis Cardinals, an explorer of the American South, and an amateur hot sauce chef. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained ...

If you've researched financial planning and professional advice, chances are you have come across the word ‘fiduciary'.  But what does it really mean?  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff unpack the word and other qualifications for Financial Advisors. Tune in to hear more about: The different standards financial professionals are held to depending on their licensing, including: A fiduciary or best interest standard The suitability standard. Regulations in finance and how they have worked over time to protect consumers. Ethics in financial planning. This can be upheld by an employer to a certain extent but is also dependent on individual professionals. Additional certifications that financial professionals can work toward and how they encourage an ethical approach. Regulations and ethics standards are important, but when working with any professional, their ethics and your relationship with them will always be the most important.  Referrals can be a great way to find someone that has already built a trusting relationship with clients.  Folks are unlikely to refer you to someone they don't trust! For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

As Betterment's Director of Behavioral Science, Dan Egan knows that understanding human behavior is key to your client's financial success. But knowing that's true and knowing what to do about it are two different things. There are a lot of opinions thrown around in the behavioral finance space on what works and what doesn't. And you probably don't want to “test” some of these ideas on clients you hope to work with for 10-30 years. For years, Dan has been testing behavioral finance interventions to figure out what actually works (and what is a waste of time). In this episode, he reveals proven ideas you can implement to enhance your client's outcomes without having to go through your own trial-and-error process. What You'll Learn: How to frame taxes to prevent impulsive decisions How visualizing goals makes saving more consistent Why you should NOT engage clients during a market downturn How robo-advisors actually enhance the value of human advisors The two types of clients most likely to panic during market volatility *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here Resources: "Siddhartha" by Hermann Hesse "Zen and the Art of Motorcycle Maintenance" by Robert M. Pirsig "Atomic Habits" by James Clear 30 Lessons for Living by Karl Pillemer, Ph. D. Research by Dilip Soman Research by Eric Johnson Research by Abby Sussman Michael Kitces Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Daniel P. Egan: LinkedIn: Daniel P. Egan Betterment Advisor Solutions About Our Guest:  Dan Egan is a behavioral finance professional and the Director of Behavioral Science at Betterment. With years of experience applying behavioral principles to financial technology, Dan focuses on improving client outcomes by helping people make better decisions, especially during stressful times. His work highlights the powerful intersection of psychology and technology in shaping the future of financial advice. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither our guest nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of our guest. They do not necessarily represent those of RFG Advisory, its employees, or its clients. This commentary should not be regarded as a description of advisory services provided by RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice. Securities offered by Registered Representatives of Private Client Services. Member FINRA / SIPC. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC (“RFG Advisory or “RFG”), a registered investment advisor. Private Client Services and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

In this episode of Financial Clarity for Doctors, Corey and Rachelle check the accuracy of their crystal ball and try out some predictions for next year (even though they have proven they're not great about it!). Tune in to hear more about what they expect on: The stock market Student loans Interest rates Basically, everything that you can't really predict! For 2024, moderate guesses tended to be fairly safe, but the more outlandish ones were way off base. Who would have guessed! Neither thought there would be a recession in 2024 – correct! Both thought there would be modest interest rate decreases – correct! Corey thought Taylor Swift would make the Forbes 400 list – not yet, but she can still make it! Rachelle thought we might meet some aliens in the future – who the heck knows…. Predictions may be fun, but as always, we try to make our plans based on the things we can control.  Things like how much we're spending and how much we're saving.  So have some fun, but make some solid plans as well!  To hear more, listen to the full episode. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.