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Beyond the Portfolio | A Conversation with Sarah Baker, CFP
In this episode of The Impact Farming Show, Tracy sits down with Ken Doll, Senior Financial Planner, for a practical and honest conversation about farm succession in today's reality. With rising land values, multiple heirs, and more off-farm career paths than ever before, farm transition planning has become increasingly complex. Together, Tracy and Ken walk through real-world scenarios farm families face, unpack the challenge of being cash poor and asset rich, and explain why life insurance and financial planning are often the missing link in protecting both the farm and family relationships. The goal of this episode is clarity, confidence, and encouragement — helping farm families move from overwhelm to action.
Andrew Sivertsen is a shareholder and Senior Financial Planner at The Planning Center, Inc., and he joins the show today to share how he found financial planning through one of his siblings and has never looked back. If you're interested in discovering financial planning through a non-traditional path, balancing work and CFP coursework, or growing into ownership and leadership within a firm, this episode is for you! Listen in as Andrew shares how he began his career studying biology before finding his way into financial planning by following in his brother's footsteps. You'll hear how he started in a part-time role, transitioned to full-time work, and balanced going back to school while earning his CFP designation. Andrew also reflects on developing both technical and client-facing skills, becoming a shareholder, and how he now gives back by mentoring newer planners at his firm. You can find show notes and more information by clicking here: https://bit.ly/4q5Hnu2
THE BENEFITS OF STARTING FINANCIAL PLANNING EARLY FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Senior Financial Planner, BWFA About This Episode Starting financial planning early can make a meaningful difference over time. Learn why early action creates flexibility, confidence, and long-term opportunity. Full Description Financial planning is often viewed as something to address later in life, once income increases or major milestones approach. In reality, starting early can provide significant advantages that compound over time. The earlier planning begins, the more flexibility individuals have to adapt, adjust, and stay aligned with their goals. In this episode of Healthy, Wealthy & Wise, Larry and Tyler discuss why early financial planning lays a strong foundation for long-term success. They explain how starting early allows individuals to take advantage of compounding, build healthy financial habits, and make thoughtful decisions without unnecessary pressure. The conversation highlights how early planning is not about perfection, but direction. Establishing clear priorities, understanding cash flow, and setting realistic goals can help individuals navigate life changes with greater confidence. Early planning also creates room to course-correct as circumstances evolve, rather than reacting under time constraints later on. Larry and Tyler also emphasize the value of education and consistency. Small steps taken early can have an outsized impact over time. Whether planning for retirement, managing debt, or preparing for future expenses, starting early allows planning decisions to work together more effectively. Rather than waiting for a “right time,” this episode encourages listeners to view financial planning as an ongoing process that grows alongside them. Early planning supports better decision-making and helps reduce stress as goals become more defined. At BWFA, we help individuals and families build financial plans that evolve with each stage of life. This episode reinforces the importance of starting early and staying engaged over time. To learn more about building a financial plan that fits your goals, visit BWFA's Financial Planning Services.
THE BENEFITS OF STARTING FINANCIAL PLANNING EARLY FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Senior Financial Planner, BWFA About This Episode Starting financial planning early can make a meaningful difference over time. Learn why early action creates flexibility, confidence, and long-term opportunity. Full Description Financial planning is often viewed as something to address later in life, once income increases or major milestones approach. In reality, starting early can provide significant advantages that compound over time. The earlier planning begins, the more flexibility individuals have to adapt, adjust, and stay aligned with their goals. In this episode of Healthy, Wealthy & Wise, Larry and Tyler discuss why early financial planning lays a strong foundation for long-term success. They explain how starting early allows individuals to take advantage of compounding, build healthy financial habits, and make thoughtful decisions without unnecessary pressure. The conversation highlights how early planning is not about perfection, but direction. Establishing clear priorities, understanding cash flow, and setting realistic goals can help individuals navigate life changes with greater confidence. Early planning also creates room to course-correct as circumstances evolve, rather than reacting under time constraints later on. Larry and Tyler also emphasize the value of education and consistency. Small steps taken early can have an outsized impact over time. Whether planning for retirement, managing debt, or preparing for future expenses, starting early allows planning decisions to work together more effectively. Rather than waiting for a “right time,” this episode encourages listeners to view financial planning as an ongoing process that grows alongside them. Early planning supports better decision-making and helps reduce stress as goals become more defined. At BWFA, we help individuals and families build financial plans that evolve with each stage of life. This episode reinforces the importance of starting early and staying engaged over time. To learn more about building a financial plan that fits your goals, visit BWFA's Financial Planning Services.
WHY RAISES CAN STILL LEAVE YOU BEHIND FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS Senior Financial Planner About This Episode As income increases, spending often follows, sometimes without being noticed. In this episode, Thad Ismart explains how lifestyle creep quietly erodes savings and why even small spending increases can have significant long-term financial repercussions. Full Description Lifestyle creep happens gradually. A raise leads to nicer vacations. A bonus can turn into a bigger home or an upgraded car. Over time, higher spending becomes the norm—even when income fluctuates, or unexpected expenses arise. While these changes may feel manageable in the moment, they can quietly undermine long-term financial goals. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner at Baltimore-Washington Financial Advisors, explores the real impact of lifestyle creep and why it's one of the most common challenges in financial planning. Thad explains how incremental spending increases often go unnoticed until savings stall or financial stress appears. The conversation highlights how lifestyle creep affects more than just monthly budgets. It can delay retirement, reduce flexibility, and limit the ability to respond to life's surprises. Thad also discusses how social comparison and changing expectations play a role, making it easy to spend more simply because it feels “normal.” Listeners will learn practical ways to manage lifestyle creep without sacrificing enjoyment. Thad emphasizes the importance of intentional spending, regular financial check-ins, and aligning lifestyle choices with long-term priorities. By setting clear goals and reviewing them as income changes, individuals can enjoy progress without losing control. At BWFA, we help clients create financial plans that balance today's lifestyle with tomorrow's security. This episode encourages listeners to recognize subtle spending shifts and make thoughtful choices that support lasting financial confidence. To learn more about building a sustainable plan, visit BWFA's Financial Planning Services.
WHY RAISES CAN STILL LEAVE YOU BEHIND FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS Senior Financial Planner About This Episode As income increases, spending often follows, sometimes without being noticed. In this episode, Thad Ismart explains how lifestyle creep quietly erodes savings and why even small spending increases can have significant long-term financial repercussions. Full Description Lifestyle creep happens gradually. A raise leads to nicer vacations. A bonus can turn into a bigger home or an upgraded car. Over time, higher spending becomes the norm—even when income fluctuates, or unexpected expenses arise. While these changes may feel manageable in the moment, they can quietly undermine long-term financial goals. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner at Baltimore-Washington Financial Advisors, explores the real impact of lifestyle creep and why it's one of the most common challenges in financial planning. Thad explains how incremental spending increases often go unnoticed until savings stall or financial stress appears. The conversation highlights how lifestyle creep affects more than just monthly budgets. It can delay retirement, reduce flexibility, and limit the ability to respond to life's surprises. Thad also discusses how social comparison and changing expectations play a role, making it easy to spend more simply because it feels “normal.” Listeners will learn practical ways to manage lifestyle creep without sacrificing enjoyment. Thad emphasizes the importance of intentional spending, regular financial check-ins, and aligning lifestyle choices with long-term priorities. By setting clear goals and reviewing them as income changes, individuals can enjoy progress without losing control. At BWFA, we help clients create financial plans that balance today's lifestyle with tomorrow's security. This episode encourages listeners to recognize subtle spending shifts and make thoughtful choices that support lasting financial confidence. To learn more about building a sustainable plan, visit BWFA's Financial Planning Services.
WHAT MOST PEOPLE MISS IN THEIR FINANCIAL PLANNING FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS Senior Financial Planner About This Episode Even when your finances feel “on track,” hidden blind spots can quietly undermine your progress. In this episode, Thad Ismart explains how overlooked behaviors, assumptions, and habits can create financial risk—and how to identify them early. Full Description Many people assume that once they have a budget, an emergency fund, and a basic investment strategy, their financial life is in good shape. But confidence can sometimes create blind spots—areas that go unexamined simply because they're unfamiliar, uncomfortable, or easy to postpone. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner at Baltimore-Washington Financial Advisors, explores common financial blind spots and why they matter. He explains how people often focus on the parts of money management they understand while overlooking equally important areas that can impact long-term outcomes. Thad discusses how phrases like “spend money to make money” can be misunderstood and lead to unnecessary risk. He also explains why common financial rules of thumb—such as avoiding tax refunds at all costs—don't always apply to every situation. What works for one person may not work for another, and rigid thinking can prevent better solutions. Another major blind spot is comparison. Social media and lifestyle envy can distort priorities, pushing people to spend, invest, or borrow in ways that don't align with their goals. Thad also highlights how early life experiences shape our beliefs about money, often influencing decisions without us realizing it. Finally, the episode addresses one of the most common blind spots of all: retirement planning procrastination. Many people delay planning because the future feels uncertain or overwhelming. Thad emphasizes that financial planning is an ongoing process—one that evolves as life changes. This episode encourages listeners to step back, reassess assumptions, and address the gaps they may not even know exist. At BWFA, our financial planning process is designed to identify gaps and help clients make informed decisions over time. For more information, visit BWFA's Financial Planning Services.
WHAT MOST PEOPLE MISS IN THEIR FINANCIAL PLANNING FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS Senior Financial Planner About This Episode Even when your finances feel “on track,” hidden blind spots can quietly undermine your progress. In this episode, Thad Ismart explains how overlooked behaviors, assumptions, and habits can create financial risk—and how to identify them early. Full Description Many people assume that once they have a budget, an emergency fund, and a basic investment strategy, their financial life is in good shape. But confidence can sometimes create blind spots—areas that go unexamined simply because they're unfamiliar, uncomfortable, or easy to postpone. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner at Baltimore-Washington Financial Advisors, explores common financial blind spots and why they matter. He explains how people often focus on the parts of money management they understand while overlooking equally important areas that can impact long-term outcomes. Thad discusses how phrases like “spend money to make money” can be misunderstood and lead to unnecessary risk. He also explains why common financial rules of thumb—such as avoiding tax refunds at all costs—don't always apply to every situation. What works for one person may not work for another, and rigid thinking can prevent better solutions. Another major blind spot is comparison. Social media and lifestyle envy can distort priorities, pushing people to spend, invest, or borrow in ways that don't align with their goals. Thad also highlights how early life experiences shape our beliefs about money, often influencing decisions without us realizing it. Finally, the episode addresses one of the most common blind spots of all: retirement planning procrastination. Many people delay planning because the future feels uncertain or overwhelming. Thad emphasizes that financial planning is an ongoing process—one that evolves as life changes. This episode encourages listeners to step back, reassess assumptions, and address the gaps they may not even know exist. At BWFA, our financial planning process is designed to identify gaps and help clients make informed decisions over time. For more information, visit BWFA's Financial Planning Services.
Most Advisors build plans around numbers. Emily Rassam builds them around people. In this episode of The Human Side of Money, Brendan sits down with Emily Rassam, Partner and Senior Financial Planner, to explore how she infuses purpose and emotion into every aspect of the planning process. Emily's approach goes beyond spreadsheets and projections. It's about helping clients clarify their values, align their decisions, and live intentionally with their wealth. The conversation goes deeper into helping clients define “enough,” connect values to goals, and navigate trade-offs that honor what matters most. Emily offers a window into how she integrates behavioral insights and purposeful planning to make every plan a living, evolving reflection of a client's life. You'll Learn: How to uncover the deeper motivations behind client goals The importance of connecting values and money decisions Ways to help clients spend intentionally and celebrate financial joy How to apply behavioral principles to deepen planning conversations Practical scripts to guide clients through trade-offs and “enough” conversations Listen now to learn how to turn every plan into a purpose-driven partnership that reflects the human side of advice. To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here About Our Guest: Emily Rassam is a Partner and Senior Financial Planner known for blending technical expertise with the emotional intelligence required to guide clients through life's biggest financial decisions. With nearly two decades in the industry, Emily has become a recognized voice in behavioral finance and intentional planning. She's been featured by Investopedia for her insight on creating purpose-driven financial strategies and was recently named a Partner at Archer Investment Management. Her work centers on helping clients move beyond accumulation toward alignment, using money as a tool to live richer, more meaningful lives. Connect with Brendan: RFG Advisory LinkedIn: Brendan Frazier
Keith Wayne, Senior Financial Planner at Mercer Advisors, returns to the show to share how his career has progressed since he first joined us back in episode 97. If you're interested in advancing your career within a firm, developing specialized expertise, or understanding the realities of moving from analyst to senior planner, this episode is for you! Listen in as Keith shares how his role has evolved over the past three years from analyst to financial planner to senior financial planner, where he now builds financial plans in a centralized planning role. He also explains how he pursued additional technical specialties, including college and student loan planning, to deepen his expertise and expand the value he brings. You'll learn how long it took him to feel comfortable with the software, the challenges he's faced, and his advice for navigating the learning curve. You can find show notes and more information by clicking here: https://bit.ly/4nrWEEz
HOW TAX CHANGES WILL AFFECT CHARITABLE GIVING FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS Senior Financial Planner About This Episode Major tax changes are coming in 2026, and they'll reshape how Americans give to charity. In this episode, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, explains what's changing, who's affected, and how to make the most of your charitable donations under the new rules. Full Description Charitable giving is about more than generosity—it's also an important financial planning tool. But as key tax provisions are set to expire in 2026, many households could see the value of their charitable deductions change dramatically. In this episode of Healthy, Wealthy & Wise, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner, outlines the upcoming changes to charitable giving and what donors should consider now. Under current law, those who take the standard deduction may soon qualify for a new above-the-line charitable deduction: $1,000 for individuals and $2,000 for married couples. While that's welcome news for many, itemizers will face new thresholds and reduced deduction rates. Thad explains how these adjustments may affect high-income earners and retirees who rely on charitable giving to manage taxes and support causes they care about. He also discusses how Qualified Charitable Distributions (QCDs) from IRAs remain one of the most efficient strategies for donors over age 70½, offering a way to give tax-free while satisfying required minimum distributions. Listeners will learn how to use timing to their advantage—whether it's accelerating donations before 2026, adjusting income levels, or combining giving strategies with estate and retirement planning. The key takeaway is simple: with the right planning, you can continue giving generously while maximizing your tax benefits. At BWFA, we help clients align charitable goals with financial objectives to create meaningful and lasting impact. This episode offers valuable insights for anyone who wants to give smarter in the years ahead. For more information, visit BWFA's Financial Planning Services.
HOW TAX CHANGES WILL AFFECT CHARITABLE GIVING FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS Senior Financial Planner About This Episode Major tax changes are coming in 2026, and they'll reshape how Americans give to charity. In this episode, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, explains what's changing, who's affected, and how to make the most of your charitable donations under the new rules. Full Description Charitable giving is about more than generosity—it's also an important financial planning tool. But as key tax provisions are set to expire in 2026, many households could see the value of their charitable deductions change dramatically. In this episode of Healthy, Wealthy & Wise, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner, outlines the upcoming changes to charitable giving and what donors should consider now. Under current law, those who take the standard deduction may soon qualify for a new above-the-line charitable deduction: $1,000 for individuals and $2,000 for married couples. While that's welcome news for many, itemizers will face new thresholds and reduced deduction rates. Thad explains how these adjustments may affect high-income earners and retirees who rely on charitable giving to manage taxes and support causes they care about. He also discusses how Qualified Charitable Distributions (QCDs) from IRAs remain one of the most efficient strategies for donors over age 70½, offering a way to give tax-free while satisfying required minimum distributions. Listeners will learn how to use timing to their advantage—whether it's accelerating donations before 2026, adjusting income levels, or combining giving strategies with estate and retirement planning. The key takeaway is simple: with the right planning, you can continue giving generously while maximizing your tax benefits. At BWFA, we help clients align charitable goals with financial objectives to create meaningful and lasting impact. This episode offers valuable insights for anyone who wants to give smarter in the years ahead. For more information, visit BWFA's Financial Planning Services.
10 KEY MEDICARE CHANGES TO KNOW IN 2026 FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS Senior Financial Planner Medicare is changing in 2026, and the updates will impact premiums, drug costs, and benefits. In this episode, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, breaks down the 10 most important changes retirees and families need to know to stay prepared. Full Description Medicare plays a central role in retirement planning, but the program is constantly evolving. Beginning in 2026, significant changes are scheduled that will affect millions of Americans. Some updates may help retirees save money, while others could increase costs or reduce benefits. In this episode of Healthy, Wealthy & Wise, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner, explains the 10 biggest Medicare changes coming in 2026 and what they mean for you. Among the most notable: Part B premiums are projected to increase by more than 11%, making healthcare more expensive for many retirees. On the other hand, prescription drug costs are expected to drop as new pricing rules take effect, and out-of-pocket caps will help limit spending. Thad also highlights program adjustments that may surprise beneficiaries. Medicare Advantage plans could scale back supplemental benefits, while Original Medicare is introducing new pre-authorization requirements in pilot states. These changes underscore the need for proactive planning to ensure coverage continues to align with your healthcare and financial goals. Listeners will gain practical strategies to navigate these shifts. Thad explains how to budget for rising premiums, how to take advantage of reduced drug prices, and why reviewing coverage annually is more important than ever. By understanding these changes in advance, retirees can avoid unpleasant surprises and adapt their plans to maintain stability. At BWFA, we integrate healthcare costs into every financial plan, helping clients prepare for Medicare updates and the long-term expenses of retirement. This episode offers clear guidance on what's ahead in 2026 and how to protect your financial future. For more resources, visit BWFA's Financial Planning Services.
10 KEY MEDICARE CHANGES TO KNOW IN 2026 FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS Senior Financial Planner Medicare is changing in 2026, and the updates will impact premiums, drug costs, and benefits. In this episode, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, breaks down the 10 most important changes retirees and families need to know to stay prepared. Full Description Medicare plays a central role in retirement planning, but the program is constantly evolving. Beginning in 2026, significant changes are scheduled that will affect millions of Americans. Some updates may help retirees save money, while others could increase costs or reduce benefits. In this episode of Healthy, Wealthy & Wise, BWFA's Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner, explains the 10 biggest Medicare changes coming in 2026 and what they mean for you. Among the most notable: Part B premiums are projected to increase by more than 11%, making healthcare more expensive for many retirees. On the other hand, prescription drug costs are expected to drop as new pricing rules take effect, and out-of-pocket caps will help limit spending. Thad also highlights program adjustments that may surprise beneficiaries. Medicare Advantage plans could scale back supplemental benefits, while Original Medicare is introducing new pre-authorization requirements in pilot states. These changes underscore the need for proactive planning to ensure coverage continues to align with your healthcare and financial goals. Listeners will gain practical strategies to navigate these shifts. Thad explains how to budget for rising premiums, how to take advantage of reduced drug prices, and why reviewing coverage annually is more important than ever. By understanding these changes in advance, retirees can avoid unpleasant surprises and adapt their plans to maintain stability. At BWFA, we integrate healthcare costs into every financial plan, helping clients prepare for Medicare updates and the long-term expenses of retirement. This episode offers clear guidance on what's ahead in 2026 and how to protect your financial future. For more resources, visit BWFA's Financial Planning Services.
THE OVERLOOKED $2 MILLION SOCIAL SECURITY MISTAKE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS Senior Financial Planner Social Security benefits can add up to more than $2 million for some households, yet many wealthy families overlook their value. In this episode, Senior Financial Planner Thad Ismart explains how high-net-worth individuals can make the costly mistake of ignoring Social Security—and strategies to maximize its impact. Full Description When people think about Social Security, they often imagine modest monthly checks. But over a lifetime, benefits can exceed $2 million for many high-earning households. Unfortunately, wealthy individuals often dismiss Social Security as irrelevant, leaving valuable opportunities on the table. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner at BWFA, explores how affluent families can misuse—or underuse—Social Security benefits. Thad explains how treating Social Security as “extra” income rather than a strategic asset can lead to missed planning opportunities. The conversation covers practical ways to put Social Security to work. For instance, using benefits to help fund long-term care, cover estate taxes, or purchase life insurance that transfers wealth more efficiently. Thad also highlights strategies like gifting benefits into trusts, which can create tax-smart legacies for heirs. Listeners will come away with a better understanding that Social Security is not just a government check but a tool that can enhance a larger financial plan. Wealthy households that integrate Social Security thoughtfully may free up other assets for investment, giving, or family support. At BWFA, we help clients of all income levels make informed decisions that align with their goals. This episode encourages even high-net-worth families to reconsider the role Social Security can play in their overall strategy. For more insights, visit BWFA's Financial Planning Services.
THE OVERLOOKED $2 MILLION SOCIAL SECURITY MISTAKE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA About This Episode Social Security benefits can add up to more than $2 million for some households, yet many wealthy families overlook their value. In this episode, Senior Financial Planner Thad Ismart explains how high-net-worth individuals can make the costly mistake of ignoring Social Security—and strategies to maximize its impact. Full Description When people think about Social Security, they often imagine modest monthly checks. But over a lifetime, benefits can exceed $2 million for many high-earning households. Unfortunately, wealthy individuals often dismiss Social Security as irrelevant, leaving valuable opportunities on the table. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, Senior Financial Planner at BWFA, explores how affluent families can misuse—or underuse—Social Security benefits. Thad explains how treating Social Security as “extra” income rather than a strategic asset can lead to missed planning opportunities. The conversation covers practical ways to put Social Security to work. For instance, using benefits to help fund long-term care, cover estate taxes, or purchase life insurance that transfers wealth more efficiently. Thad also highlights strategies like gifting benefits into trusts, which can create tax-smart legacies for heirs. Listeners will come away with a better understanding that Social Security is not just a government check but a tool that can enhance a larger financial plan. Wealthy households that integrate Social Security thoughtfully may free up other assets for investment, giving, or family support. At BWFA, we help clients of all income levels make informed decisions that align with their goals. This episode encourages even high-net-worth families to reconsider the role Social Security can play in their overall strategy. For more insights, visit BWFA's Financial Planning Services.
Trying to time the stock market might sound like a smart move, but the reality? It often leads to missed opportunities and emotional decision-making. In this episode, President and Senior Financial Planner, Paul Moffat, and co-host, Director of Financial Planning, Jordan Naffa, break down the real cost of trying to beat the market and why staying invested is almost always the wiser strategy.From Warren Buffett's wisdom to hard data spanning 25 years, Paul and Jordan explore:Why timing the market is so tempting… yet so costlyEye-opening stats on what happens when you miss the market's best days, weeks, or monthsReal-world examples from the COVID crash, Brexit, and recent tariff changesWhy a disciplined, long-term investment approach winsHow Arista clients benefit from staying in their seats when volatility hitsIf you have any questions, call the Arista Wealth Management office located in Las Vegas, NV at 702-309-9970Connect with Arista Wealth:Website: https://www.aristawealth.comEmail: support@aristawealth.comCall our office: 702-309-9970The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.
Have you ever felt the urge to jump into a “hot” stock or mutual fund after seeing it dominate the headlines? You're not alone, and that instinct is exactly what this episode is all about. President and Senior Financial Planner, Paul Moffat, and co-host, Director of Financial Planning, Jordan Naffa,break down why chasing past performance is one of the most common and costly mistakes investors make.In this episode, you'll learn:Why media hype can cloud your investment decisionsHistorical data on how top-performing companies often underperform after gaining popularityHow diversification across global markets helps mitigate risk and capture long-term gainsWhy a slow and steady approach tends to outperform emotional, reaction-based investingWhat a surprising Fidelity study reveals about the best-performing investorsIf you have any questions, call the Arista Wealth Management office located in Las Vegas, NV at 702-309-9970Connect with Arista Wealth:Website: https://www.aristawealth.comEmail: support@aristawealth.comCall our office: 702-309-9970The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.
Are annuities always a bad deal? Not so fast. In today's episode, Richard Rosso & Jonathan McCarty tackle the myths and misconceptions around annuities. From income guarantees to tax-deferred growth, find out how annuities can actually support your retirement strategy—if used the right way. Jonathan shares his changed life as a new father, and a discussion of investor confirmation bias, who's likely to be the replacement for Jerome Powell, and the Shado Fed, tariffs, inflation, and political bias in investing. Rich and Jonathan address the growing impact of AI on the labor market and the velocity of AI. The concept of annuities and life expectancy: How AI can extend your life. Rich's insight to the Texas State Fair and an intriguing business opportunity; Texas History and good music; spending in retirement with stable-income vs variable-income sources. Why most annuities are sold and not planned for. The job of a financial advisor is to be unbiased; origins of the retirement crisis without pensions. SEG-1: Choosing the Best College for Best ROI SEG-2: The Velocity of AI in Financial Planning SEG-3: Retirement Spending w Stable vs Variable Income SEG-4: Why Annuities Get a Bad Rap Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Jonathan McCarty, CFP, plus Senior Financial Planner, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=QvoAQJShFsU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this show: "Iran Struck By U.S.: Markets, Risk, and Rational Investing" https://realinvestmentadvice.com/resources/blog/iran-stuck-by-u-s-markets-risk-and-rational-investing/ "The Dollar's Death Is Greatly Exaggerated" https://realinvestmentadvice.com/resources/blog/the-dollars-death-is-greatly-exaggerated/ "Oil Price Rise, Not Tariffs, Will Cause CPI To Tick Up" https://realinvestmentadvice.com/resources/blog/oil-price-rise-not-tariffs-will-cause-cpi-to-tick-up/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "What Oil Prices Are Saying About the Economy," is here: https://www.youtube.com/watch?v=jiMvWO2ZDX8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Fed's Next Mistake," https://www.youtube.com/watch?v=fZ-J2YfNC5w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Register for our next live webinar, "Retirement Blueprint Candid Coffee," July 19, 2025: https://streamyard.com/watch/qaMtj3cydgDQ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #AnnuitiesExplained #RetirementPlanning #InvestSmart #AnnuityEducation #SmartInvesting #MarketVolatility #InvestingAdvice #Money #Investing
According to a new report released by Bain & Company in May 2025 reveals that up to 75% of luxury goods spending is driven not by high-net-worth individuals—but by middle- and lower-income earners.In this episode, President and Senior Financial Planner, Paul Moffat and co-host, Director of Financial Planning, Jordan Naffa, unpack the implications of this trend, exploring how aspirational consumption is impacting financial behavior, net worth growth, and long-term planning. They contrast short-term consumer psychology with disciplined wealth-building strategies, highlighting the difference between looking successful and building true financial security.If you have any questions, call the Arista Wealth Management office located in Las Vegas, NV at 702-309-9970Connect with Arista Wealth:Website: https://www.aristawealth.comEmail: support@aristawealth.comCall our office: 702-309-9970The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.
Looking for a community that actually supports you as a new financial planner? Blake Pinyan, Senior Financial Planner and Tax Manager at Anchor Bay Capital, joins the show today to talk about the NexGen community of the Financial Planning Association—a community geared towards meeting the needs of younger and newer planners. If you're interested in finding support as a new planner, expanding your network, or getting involved in a thriving professional community, this episode is for you! Listen in as Blake shares how he got involved, what makes NexGen unique, and the real impact it's had on his career. He highlights upcoming programs, in-person events, and the value of the online community for connection, learning, and professional growth. Whether you're looking to expand your network or find your footing in the industry, don't miss hearing how new planners can join and use NexGen to enhance their careers. You can find show notes and more information by clicking here: https://bit.ly/4mbzvpO
Talking about money can be awkward, overwhelming, and honestly, kind of scary. That's why having someone like Jackie Adler in your corner makes all the difference. She's a Senior Financial Planner & Investment Advisor with heart—sharp, empathetic, and someone who just gets the emotional side of money, especially for women navigating big life shifts like divorce or loss. In this episode, we get into all of it: saving, mindset shifts, wills and trusts, paying yourself first, and why the old-school idea of retiring at 65 doesn't really work anymore. If you've ever felt behind, confused, or just unsure about your financial future, this one's for you.
Paul is Senior Financial Planner at Heath & Finance Integrated. Paul's practice specialises in providing complex financial advice for individuals with disabilities, personal injury compensation, and intergenerational wealth transfer, focusing on navigating legal frameworks to optimise financial outcomes and support clients' long-term needs. Paul Conte LinkedIn: https://www.linkedin.com/in/paul-conte-b4724851/ Heath & Finance Integrated Website: https://healthfinance.com.au/ To learn more about LivePreso, view our Solutions Showcase within the AdviceTech space of Ensombl: https://ensombl.com/go/20250403 Recognise real-world learning as CPD: https://ensombl.com/cpd/ General Disclaimer – https://www.ensombl.com/disclaimer/
Looking for a reset financially in the new year? Kyle McBrien, Senior Financial Planner at Betterment Investment Company has some tips.
Thabo Shole Mashao, in for Clement Manyathela, speaks to Rudolph Geldenhuys who is a Senior Financial Planner at WealthUp and Annaline van der Poel who is the CEO for Debt Rescue SA about how people can be financially savvy while spending this Black Friday and during the festive season.See omnystudio.com/listener for privacy information.
Ever wondered why some financial planners choose employment over entrepreneurship? Discover the compelling journey of Sean Banks, Senior Financial Planner at Pembrokeshire Financial Services, as he shares his career progression from administration and paraplanning to financial advice. You'll learn why Sean opted to remain employed, emphasising the unmatched benefits of skill development and personal growth within a structured environment. This episode is a must-listen for anyone feeling stuck in their current roles, offering refreshing perspectives on career pivots and the often misunderstood advantages of moving between employers.Career advancement isn't just about climbing the corporate ladder; it's about finding the right environment and mentors who can guide you to success. Sean Banks' story highlights the essential role of mentorship and foundational roles like paraplanning in shaping a fulfilling career in financial advice. We discuss the challenges faced by aspiring financial advisers and the importance of having a clear career path. Gain insights into how making your career ambitions known to your employer can lead to significant growth, and hear firsthand experiences that underscore the value of internal marketing and proactive engagement.Transitioning from self-employment to an employed role can be daunting, but it can also open doors to new opportunities and personal freedom. We explore various career paths within the financial planning profession, comparing the roles of an employee, self-employed advisor, and business owner. Through personal anecdotes and honest self-reflection, Sean and I debunk the myth that success only comes through entrepreneurship. This episode provides practical advice on navigating career transitions with courage and clarity, highlighting the importance of self-reflection, community, and mentorship in achieving long-term career satisfaction. Tune in to discover how to transform your career trajectory and find success within existing organizations.Begin your financial planning career journey todayWhether you are looking to become a paraplanner, administrator, mortgage and protection adviser or financial planner, the Financial Planner Life Academy is for you. With limited entry-level job roles, giving yourself the best financial planning career education, will not only kick start your financial planning journey with relevant qualifications and skills, but it'll also help you achieve success much faster.&nbsBe sure to follow financial planner life on YouTube for extra content about a career within Financial Planning HIT THAT SUBSCRIBE BUTTON! If you're looking to start your career in Financial Planning, check out the Financial Planner Life Academy hereReach out to Sam@financialplannerlife.com in regards to sponsorship, partnerships, videography or career development.
Emily Rassam is the Senior Financial Planner for Archer Investment Management. She has a true passion for helping clients make sense of their financial lives and develop clear plans to achieve their goals. Before Archer Investment Management, Emily spent 14 years at investment firms in New York and North Carolina working with families, executives, and institutional retirement clients.In her downtime, Emily enjoys traveling, cooking, reading, and hiking with her son, daughter, husband, and dogs. She currently serves as a mentor and run lead for Tri It for Life, an organization empowering women of all ages and athletic abilities to train for their first triathlon. She also serves on the board of YMCA Emerging Leaders in Charlotte, as a foster home for ABC Basset Hound rescue, and as a Regional Leader and Carolinas Chapter Chair for WIPN (WE Inspire, Promote, Network) wipn.org, a women's leadership and networking group for women in the retirement industry.In this episode, Theresa, Ivana, and Emily discussed:Growing by slowing down Balance versus Harmony Assuming the best in others Protect your calendar Key Takeaways:Many times people feel that the meaning of “growth” is to keep getting a bigger title and a bigger salary. However, real growth would sometimes mean that you'd have to pause, slow down, and carefully consider what the most meaningful thing in your life truly is and if you're spending your limited time with the people who mean a lot to you. Work-life balance is like walking on a tightrope - you have to keep each side of yourself equal in order to stay upright. However, being in balance in this way is still a stressful picture. Harmony is different, it's about making one side of your life work well with the other, embracing both and discerning which deserves priority in the moment. It's difficult to see past your own hardships and your own pain. However, when dealing with others, it's better to always assume the best in them and recognize that they might be going through something heavy in their life. You can only know so much about a person, even if you see them every day. It is best to give people the benefit of the doubt. Learn to say no. You don't have to say yes to everything and to everyone. Protect your calendar, be mindful of what you're dedicating your schedule to, and make sure that you are always able to keep your work in harmony with your personal life. When you are given a request, take time to really consider if you should say yes or no to it. “[Work-life] balance to me [is] balancing on a tightrope, if you don't have them equal, then you're not going to be balanced. So harmony just feels better. My goal is just that I feel good about both areas. I'm trying to build both [areas] into my life happily.” - Emily RassamConnect with Emily Rassam:Website: https://archerim.com/ , https://archerim.com/team-members/emily-c-rassam/ LinkedIn: https://www.linkedin.com/in/emilyjcasey/ Connect with Theresa and Ivana:Websites:Theresa, True Strategy Consultants: https://tsc-consultants.com/ Ivana, Courageous Being: https://www.courageousbeing.com/ Instagram:Ivana: https://www.instagram.com/courbeing/ Theresa: https://www.instagram.com/tscconsultants/ LinkedIn: Step into the Pivot: https://www.linkedin.com/showcase/step-into-the-pivot/ Theresa: https://www.linkedin.com/in/tree-conti/ Ivana: https://www.linkedin.com/in/ivipol/
Download “How To Find Ultra High Net Worth Clients" from https://financialadvisorsworkshop.com/ Yusuf Abugideiri, CFP® (https://yebu.com/) is a Partner and Senior Financial Planner at Yeske Buie. Yusuf has been recognized as a top financial professional by several respected publications. Washingtonian Magazine named him a Top Financial Advisor in 2019 and 2020, and he was named to Northern Virginia Magazine's list of Top Financial Professionals in 2020 and 2021. In this episode, Brian and Yusuf discuss: 1. Nurturing Young Talent in Financial Advisory 2. The Human Side of Financial Advisory 3. Planning for Uncertainty in Financial Markets 4. Aligning Strategies with Individual Needs LinkedIn: https://www.linkedin.com/in/yusuf-abugideiri-cfp%C2%AE-737854110/ Website: https://yebu.com/ Twitter: https://twitter.com/yusabu_pro Facebook: https://www.facebook.com/YeskeBuie Article: https://yebu.com/author/yusufa https://www.financialplanningassociation.org/article/journal/SEP17-serving-millennial-clients-3-step-model To see short videos of all our best FA Business Growing tips follow us on: Instagram: https://www.instagram.com/FinancialAdvisorsWorkshop TikTok: https://www.tiktok.com/@faworkshop YouTube: https://www.youtube.com/@financialadvisorsworkshop Facebook: https://www.facebook.com/FinancialAdvisorsWorkshop Twitter: https://twitter.com/FAsWorkshop iTunes: https://podcasts.apple.com/us/podcast/financial-advisors-workshop-with-brian-kasal/id1614768408 Spotify: https://open.spotify.com/show/4OB78889GRx2FHjvWtsyeE Website: https://www.financialadvisorsworkshop.com/ Work with FourStar: https://financialadvisorsworkshop.com/Advisors DISCLAIMER: This content is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. FourStar is an SEC registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov
In this episode of the AIA podcast, host Alex Perny of Advanta IRA welcomes Grant Bledsoe, Founder and Senior Financial Planner of Three Oaks Wealth. Together, they dive into a variety of financial planning options and strategies business owners can use. Subscribe to our YouTube channel and join our growing community for new videos every week. If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com. Learn more about Advanta IRA: https://www.AdvantaIRA.com/ The Alternative Investing Advantage is brought to you by Advanta IRA. Advanta IRA does not offer investment, tax, or legal advice nor do we endorse any products, investments, or companies that offer such advice and/or investments. This includes any investments promoted or discussed during the podcast as neither Advanta IRA nor its employees, have reviewed or vetted any investments, persons, or companies that may discuss their services during this podcast. All parties are strongly encouraged to perform their own due diligence and consult with the appropriate professional(s) before entering into any type of investment.
In this episode of the Marketing Boost Solutions Podcast, Capt. Marco interviews CFP® and CFA, Grant Bledsoe, Founder and Senior Financial Planner of Three Oaks Wealth. Prior to founding it, he was a Senior Manager and Trader in the securities lending group at Charles Schwab & Co., Inc. and also held positions at both Smith Barney and American Express. He is frequently quoted in several publications, including Forbes, CNBC, The Huffington Post, and U.S. News. Grant and his company have the passion for entrepreneurship, and specific expertise working with small business owners. From technical knowledge of retirement plans to understanding the roller coaster you face on a daily basis, they help squeeze the most from your resources & optimize your biggest asset. Capt. Marco and Grant discuss the importance of setting up a business entity and having an operating agreement. Grant highlights common mistakes business owners make and offers advice on handling cash flow, paying oneself, and maintaining a working capital fund. They also discuss the necessity of insurance coverage and strategies to minimize tax payments. Grant emphasizes the importance of diversifying investments and setting up retirement plans. The episode concludes with a discussion on tax fairness and the role of risk-taking entrepreneurs in job creation. Website: www.threeoakswealth.com Facebook: https://www.facebook.com/threeoakswealth Linkedin: https://www.linkedin.com/company/three-oaks-wealth Twitter: https://twitter.com/GSBledsoe Not a Marketing Boost Solutions member yet? Book a free Brainstorming Session with our team today to learn more about our travel incentives. Click here: https://api.automationbooster.com/widget/appointment/brainstorm-session/mb Whether you are a start-up or a well-established business, you need to have a robust platform to help you scale your business with the ease of automating Marketing Boost travel incentives. Schedule a call with our team to explore what Automation Booster can do for you. Book here: https://api.automationbooster.com/widget/bookings/brainstorm-session/ab Timestamps: The importance of entity selection [00:03:58] Grant discusses the importance of choosing the right entity for your business and when it is necessary to establish an LLC for asset protection. The significance of an operating agreement [00:07:27] Grant explains the importance of having an operating agreement, especially for businesses with partners, and how it can prevent disputes and provide guidelines for various scenarios. Comparison to prenuptial agreements [00:08:57] The conversation briefly touches on the similarity between operating agreements for businesses and prenuptial agreements for marriages, highlighting the importance of establishing rules and guidelines in advance. The importance of a properly put together operating agreement [00:09:04] Discussing the potential issues that can arise in business partnerships without a well-drafted operating agreement. The importance of cash flow for business survival [00:17:11] Discussion on the significance of having 3 to 6 months of cash flow to reduce expenses and stay open during unexpected events. Insurance products for business owners [00:18:48] Recommendations for insurance coverage, including errors and omissions insurance, worker's compensation insurance, and life insurance for partners. The importance of retirement planning [00:35:56] Grant discusses the benefits of setting up a retirement plan for business owners and the potential tax deductions associated with it. The importance of setting up a business properly [00:45:24] Discussion on the first steps to follow in setting up a business properly and creating wealth. The role of entrepreneurs in creating employment and growth [00:49:40] Conversation about how risk-taking entrepreneurs create employment and innovation, and the government's role in partnering with entrepreneurs and providing tax benefits.
This evening on Financial Matters, Dr Frank Magwegwe, Head of Financial Wellness and Advisory at Nedbank and GIBS faculty member, joins us to talk about the upcoming tw-pot retirement system that will effective as of 1 March 2024. We look at What is it? Why do we need it? What are its pros and cons? And we will also be briefly joined by Ricky Bucheri, Senior Financial Planner at Nedbank, who will explain how the system will be working.See omnystudio.com/listener for privacy information.
Having an understanding of the role of life insurance can aid you in organizing your family's long-term financial security. In this Arista Wealth Podcast episode, Paul L. Moffat, CEO and Senior Financial Planner, and Samantha Foster, Client Communications Manager, share more about the benefits of securing life insurance and the different kinds of life insurance policies.
In this episode of the Grownlearn podcast, we are joined by Emily Rassam, Senior Financial Planner at Archer Investment Management. Emily shares her expertise and insights on various financial planning topics, with a particular focus on empowering female-led households. She discusses unique considerations that women should keep in mind when it comes to their financial future and provides valuable advice on maximizing lifetime wealth through Roth conversions. Emily also sheds light on the importance of financial organization using the concept of 'buckets of money' and emphasizes the significance of a well-crafted financial plan over investment returns. Additionally, she explores the meaning of being intentional with money and highlights the importance of setting long-term goals for a secure financial future. Tune in to gain valuable knowledge and practical tips from Emily's wealth of experience. Link to schedule a 15-minute no pressure conversation with Emily Rassam: https://archerim.com/book-a-meeting/ -------------------------------------------------------------------------------------------------------------------
There has been speculation lately that the U.S. dollar is on the verge of a major decline and might even lose its status as the world's major reserve currency. In this Arista Wealth Podcast episode, Paul L. Moffat, CEO and Senior Financial Planner, and Samantha Foster, Client Communications Manager, discuss the history of the world's major reserve currency and data behind the current state of the US dollar to put your mind at ease!
It's not every day that we witness the downfall of a financial giant, but that's exactly what happened yesterday. First Republic Bank has been seized, making it the second-largest bank failure in U.S. history. This leaves many people wondering about the safety of their hard-earned money. Luckily, the Arista Wealth Podcast is here to help you navigate through this tough situation. Tune in to our pop-up episode, where our CEO and Senior Financial Planner, Paul L. Moffat, and Financial Planner, Zachary Taylor, shed some light on what happened, how it impacts your finances, and how FDIC Insurance plays a crucial role in protecting your money during bank failures.Don't miss out on this insightful discussion - listen now!
Emily Rassam is the Senior Financial Planner for Archer Investment Management, a virtual independent RIA based out of Texas that oversees $170 million in assets under management for 170 households. After struggling in a position with ever-mounting responsibilities and pressure that kept her away from her family, Emily made it a priority to find a position that not only appreciated the expertise she brought to the table, but also allowed for a better work/life balance. Listen in as Emily shares her experience working towards burnout at her previous firm, how this experience allowed her to get serious about finding a role that was ideal for her, and how she found her current firm and used key questions to determine whether they offered a positive work/life balance. We also discuss how she overcame imposter syndrome, how she became comfortable with shedding the typical stereotype of a financial planner focused on selling services, and why she believes that newer advisors should focus on the value they bring to clients rather than the amount of work they are doing. For show notes and more visit: https://www.kitces.com/312
In this episode, Shellee and Emily discuss:The best time to plan for collegeWhere to put your money for your future needsPreparing the FASFA and CSS profileHaving financial planning conversations with your child with the help of professionals Key Takeaways: Start to save before you have a child. Thinking about and setting goals together, and understanding what type of support and contribution would be made to your future children and their college is easier to do at that time.There are numerous options if you want your child to be able to attend college debt-free - you can either save all your money beforehand, you can invest it in accounts that the FAFSA doesn't look at, or you can invest it in things that make sense to you.Planning your financial future and setting both short- and long-term goals is the best way to prepare your FASFA and CSS profiles in advance.Don't let financial obligations for your child's college get in the way of your financial goals. Ensure that your child understands how his or her college choice will impact their career options, the income they can expect from their career, and the length of time they will be required to work for free.Engage in financial planning conversations with the help of professionals who can objectively zoom out and share figures about return on investment and any other area of financial planning. “It's good to have those conversations and have that goal setting occur first. And the more organized that you are going into that process, the easier those types of profiles become because you have a clear understanding of your balance sheet as it stands today, and how the college education process fits into your overall life plans and life goals.” — Emily Rassam About Emily Rassam: Emily works as a Senior Financial Planner for Archer Investment Management, a 100% digital and virtual firm that serves clients nationwide.She has a genuine passion for assisting clients in making sense of their financial lives and developing clear plans to achieve their objectives. Prior to joining Archer Investment Management, she worked for 14 years at investment firms in New York and North Carolina, where she worked with families, executives, and institutional retirement clients.Emily is currently a mentor and run leader for Tri It for Life, an organization that encourages women of all ages and athletic abilities to train for their first triathlon. She also serves on the board of YMCA Emerging Leaders in Charlotte, as a foster home for ABC Basset Hound Rescue, and as a Regional Leader and Carolinas Chapter Chair for WIPN (WE Inspire, Promote, Network) wipn.org, a women's leadership and networking group for women in the retirement industry.She is a Certified Digital Asset Advisor, Certified Financial PlannerTM, Chartered Retirement Plans Specialist, Accredited Investment Fiduciary Analyst, and National Social Security Advisor. Connect with Emily Rassam:Website: https://archerim.com/LinkedIn: https://www.linkedin.com/in/emilyjcasey/ Connect with Shellee Howard: Website: https://collegereadyplan.com/YouTube: https://www.youtube.com/channel/UCr_WodPHDfSWEbiPdsRDbyQTwitter: https://twitter.com/gocollegereadyInstagram: https://www.instagram.com/collegereadyplan/Facebook: https://www.facebook.com/CollegeReadyPlan/LinkedIn: https://www.linkedin.com/company/college-ready/Email: shellee@collegereadyplan.com Show notes by Podcastologist: Angelica Rayco. Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
Achieving financial freedom and independence is an arduous undertaking for many Americans. the good news is: You're not alone. A little over 55% of Americans do not use a budget to manage their hard-earned income, according to a new survey by The Penny Hoarder. A similar 56% of survey respondents said they didn't know how much money they spent last month. Emily Rassam, is a Senior Financial Planner for Archer Investment Management. “I have a true passion for helping clients make sense of their financial lives and develop clear plans to achieve their goals. Before Archer Investment Management, I spent 14 years at investment firms in New York and North Carolina working with families, executives, and institutional retirement clients. I am a CFP® Professional, Chartered Retirement Plan Specialist, Accredited Investment Fiduciary Analyst, National Social Security Advisor, and Certified Digital Asset Advisor. Credentials aside, I'm a huge budgeting nerd and aim to make financial planning topics accessible to everyone. In my down time, I enjoy traveling, cooking, reading, and hiking with my dogs. I currently serve as a mentor and run lead for Tri It for Life, an organization empowering women of all ages and athletic abilities to train for their first triathlon. I also serve on the board of YMCA Emerging Leaders in Charlotte, serve as a foster home for ABC Basset Hound rescue, and I am a Regional Leader and Carolinas Chapter Chair for WIPN (WE Inspire, Promote, Network) wipn.org, a women's leadership and networking group for women in the retirement industry. I live in Charlotte, North Carolina with my husband, 1 year old son, and 2 dogs.” She joined me this week to tell me more. For more information: https://archerim.com/ LinkedIn: @EmilyCaseyRassamCDAA,CFP
In this episode of Coffee with Evergreen, Evergreen GaveKal's Senior Financial Planner & Regional Director of our Lake Oswego office, Heidi Jeromanovs CFP®, and lawyer, Aaron Frishman at Foster Garvey, discuss the importance of charitable giving. Some topics they cover: Charitable giving is much more than just a tax break. What are some other reasons someone should consider charitable giving? What are essential questions to think about when considering charitable giving? What are the different funds/resources people can use? As always, thank you for listening! This episode was recorded on September 13, 2022.
Chief Investment Officer Troy Harmon is joined by Justin Wagner, AIF® Client Relationship Manager - Retirement Services, and Giuliana Barbagelata CFP®, Senior Financial Planner, to discuss a case study on managing your 401(k)s when you change jobs. Read the Article: https://www.henssler.com/leaving-your-job-dont-forget-to-take-your-401k
Henssler Money Talks – September 10, 2022Season 36, Episode 37This week on “Money Talks,” Chief Investment Officer Troy Harmon is joined by Justin Wagner, AIF® Client Relationship Manager - Retirement Services, and Giuliana Barbagelata, CFP®, Senior Financial Planner to discuss the week's market movements and economic climate. Justin and Giuliana cover a case study on managing your 401(k)s when you change jobs. The experts round out the show by answering a listener's question on the potential taxation of the Biden-Harris Administration's Student Debt Relief Plan.Timestamps and Chapters00:00 Market Roundup: Covering Sept. 5 – Sept. 9, 202222:25 Case Study: Managing multiple 401(k)s33:52 Q&A Time: Will my student loan forgiveness be taxable? Follow Henssler: Facebook: http://bit.ly/HensslerFacebook Twitter: http://bit.ly/HensslerTwitter LinkedIn: http://bit.ly/HensslerLinkedIn Instagram: https://www.instagram.com/hensslerfinancial/YouTube: http://bit.ly/HensslerYouTube “Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/
Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate D.J. Barker, CWS®, and Senior Financial Planner, Giuliana Barbagelata, CFP®, to discuss the issues investors can have when they have a concentrated position in one stock.Read the Article: https://www.henssler.com/all-your-apples-in-one-basket-concentrated-stock-positions
Henssler Money Talks – July 30, 2022Season 36, Episode 31This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate D.J. Barker, CWS®, and Senior Financial Planner, Giuliana Barbagelata, CFP®, discuss the interest rate increase from the Fed and the first reading of second quarter gross domestic product. D.J. and Giuliana team up to discuss the issues investors can have when they have a concentrated position in one stock. The experts round out the show answering listener questions about a European Index fund and how the interest rate increases affect student loans. Timestamps and Chapters00:00 Market Roundup: Covering July 25 – July 29, 202221:47 Case Study: Problems with Highly Concentrated Positions33:29 Q&A Time: European Index Funds and Interest Rates on Student Loans Follow Henssler: Facebook: http://bit.ly/HensslerFacebook Twitter: http://bit.ly/HensslerTwitter LinkedIn: http://bit.ly/HensslerLinkedIn Instagram: https://www.instagram.com/hensslerfinancial/YouTube: http://bit.ly/HensslerYouTube “Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/
Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate Jarrett McKenzie, CFP®, CWS®, and Senior Financial Planner, Clay Norman, CFP®, to explore a fixed-income strategy given the high inflation and rising interest rate environment. Read the Article: https://www.henssler.com/fixed-income-preserve-principal-not-maximize-returns
Henssler Money Talks – July 23, 2022Season 36, Episode 30This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate Jarrett McKenzie, CFP®, CWS®, and Senior Financial Planner, Clay Norman, CFP®, to cover the unexpected rally in the market this week as well as some housing news. The experts team up to discuss a fixed-income strategy given the high inflation and rising interest rate environment. They wrap up the show answering a listener's question on opening and funding a Roth IRA for a teenager. Timestamps and Chapters00:00 Market Roundup: Covering July 18 – July 22, 202222:37 Case Study: Fixed-Income Strategy During High Inflation 41:41 Q&A Time: Opening and Funding a Roth IRA for a Teen Follow Henssler: Facebook: http://bit.ly/HensslerFacebook Twitter: http://bit.ly/HensslerTwitter LinkedIn: http://bit.ly/HensslerLinkedIn Instagram: https://www.instagram.com/hensslerfinancial/YouTube: http://bit.ly/HensslerYouTube “Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/
News about inflation and a looming recession has been dominating the headlines, but what does all of this mean for us and our finances? This is our second and final episode on Inflation, Recession and your Finances here on CFO at Home. In this episode Vince talks with Emily Rassam, Senior Financial Planner with Archer Investment Management, about the importance of sticking to the basics of solid money management during times of economic uncertainty; budgeting, knowing your risk tolerance, and more. Key Takeaways History shows that during times of economic change and uncertainty headlines and media stories often seek not to inform but rather to tap into emotions (especially fear) to attract attention. The basics of a solid financial foundation remain the same regardless of economic conditions Get organized. If you have a written budget, what adjustments can you make to provide a bit more “padding”? If you don't have a written budget, now is the time to start! Gather data on where all of your money is going monthly Create different categories of expenses Fixed monthly expenses (same amount every month) Look at the possibility of re-negotiating internet, subscriptions, etc Look at possibly cutting some subscriptions Variable monthly expenses Identify where you're spending money and ask yourself “is this reasonable”? Identify what your baseline expenses are what can be cut if you experiences a job loss or reduction in income Extras Can you delay or do without? Not budgeting your money ahead of time means you run the risk that it will get spent before you know it on things that may not be a priority. Budgets need to be adjusted monthly because rarely are two months exactly the same. Projecting your budget into the future can be motivating; it lets you project when you will hit your goals. Income/Employment - What can we do to help manage the stability of our jobs/income? Focusing on your long-term financial plan can help you manage through the emotions of uncertainty Your financial plan should be built with decades, not days in mind. Try a “on-line shopping challenge” Don't make any on-line purchases for 30 days. Put things that you would ordinarily purchase in your cart, but don't buy them. At the end of the 30 days look at the list and categorize Yes, going to purchase now Want to have, but not going to purchase now. Add to a “wish list” for others to purchase for you as gifts for holidays, etc. I don't need it at all (at least right now). Delete or save for later. Helps to make purchasing decisions rationally, not emotionally If your partner isn't as “into money” as you are, focus your conversations about finances more towards big picture goals and your plans of how to achieve them Investments Times of market volatility can be a good time to assess your risk tolerance Ways to contact: Book a consultation with Emily Contact the Host - vince@thecfoathome.com
Da-zha Jones is a CERTIFIED FINANCIAL PLANNER TM and financial coach committed to bringing generational wealth within reach. As a Money Strategist, she will help you organize your finances and make decisions with your money that will enable you to reach your life goals. She'll also help you unlock your full financial potential by changing your relationship with money through a personalized strategy that makes sense. Da-zha made it her personal mission to learn as much as she can about money since coming into the financial services industry in 2013. Her experience includes managing investment portfolios and providing holistic financial planning and education for high-net worth clients ranging from $1 to $5 million in investable assets. Currently, she is the Senior Financial Planner to a group of First Generation Millionaires at Capitalwize, a financial planning firm. She is also the Founder of Guided to Wealth, a financial success firm that serves people through financial coaching and financial education. Da-zha is a graduate of the University of Georgia where she received her Masters of Science in Financial Planning. She is also an Accredited Financial Counselor (AFC®). She is a financial planner/ coach who acts as a fiduciary legally obligating her to act in the explicit best interest of her clients. Da-zha currently resides in Charlotte, North Carolina. Connect With Jacent Text “FREEDOM” to 702 829 5260 IG: @jacentsgems IG: @wealthandwellnessuniversity FB Page: @SixFigureMoneyMindsetCoach FB Group: From $90k in Debt to $90k in The Bank: Building Wealth & Wellness Twitter: @jacentsgems LinkedIn: jacent-wamala-m-s-lmft-aa8baa194 Wamala Wellness Youtube: Jacent at Wamala Wellness Therapy Wealth & Wellness University Youtube: Jacent at Wealth & Wellness University Website: www.wamalawellness.com Join Wealth & Wellness University: https://my.wealthandwellnessuniversity.com/fb-group-a-2101 ____________________ Connect With Da-zha Website: https://www.guidedtowealth.com/ Financial Wellness Quiz: https://www.guidedtowealth.com/financialwellnessquiz IG: @guided2wealth --- Support this podcast: https://anchor.fm/jacentsgems/support
Does life sometimes feel monotonous, tedious, and tiresome? Do you find yourself trying to keep it all together: career, family, faith, friendships, and finances, but yet, never feeling like you can? If so, you are not alone! In today's episode, my new friend Anehita Chie and I chat through Part 2 of:
Does life sometimes feel monotonous, tedious, and tiresome? Do you find yourself trying to keep it all together: career, family, faith, friendships, and finances, but yet, never feeling like you can?If so, you are not alone! In today's episode, my new friend Anehita Chie and I chat through Part 1 of:
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