Podcast appearances and mentions of tom seeko

Send us Fan MailWhy do so many veterinary practice owners regret selling?In part 4 of this series, CJ Burnett and Tom Seeko break down the most common reasons owners feel uncertain—or even regretful—after exiting their practice.From selling too early or too late, to overlooking taxes and deal structure, to losing identity after the sale… the decision to sell is more than just a financial transaction.You'll learn:Why timing isn't just about the marketHow taxes and deal structure can impact your outcomeWhat many owners overlook before sellingWhy life after the sale needs just as much planning as the exit itselfHow identity, routine, and purpose play a role in regretIf you're thinking about selling—or even questioning when the right time is—this episode will help you think through both the financial and personal sides of the decision.

Send us Fan MailSelling your veterinary practice can create a significant financial milestone—but it also introduces a new challenge: how do you turn that lump sum into reliable income?In Part 3 of this 4-part series, Tom Seeko and CJ Burnett break down what happens after the sale and why many veterinarians feel uncertain about their financial future. From income gaps and market risk to tax considerations and lifestyle changes, this episode explores the real concerns practice owners face.You'll also learn a strategic framework designed to help create more clarity and confidence around income planning—so your next chapter feels as steady as the one you built.

Send us Fan MailThe five years before you exit your veterinary practice matter more than you think—and waiting too long could cost you significantly.In this episode, CJ Burnett and Tom Seeko break down the critical planning window leading up to a sale and why many practice owners delay the process longer than they should. From improving profitability and cleaning up reporting to building a management team and planning for life after the sale, they walk through what actually drives practice value.They also highlight common mistakes owners make—like relying too heavily on revenue instead of profit, mixing personal expenses into the business, and underestimating the emotional side of selling.If you want to maximize your practice value and create a smoother transition, this episode will help you start thinking like a business owner—not just a veterinarian.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us Fan MailMany practice owners assume their business will fund retirement — but the real question is: Is your practice actually sellable? In Part 1 of this 4-part series, Tom Seeko and CJ Burnett break down what buyers look for when purchasing a veterinary hospital, and what can quietly reduce practice value.You'll hear how practice value is tied to what transfers to a buyer — including:Consistent profitabilityA strong, stable teamDocumented systems and processesA stable client baseClean financialsLimited owner dependenceThey also cover common value-killers like poor bookkeeping, unclear roles, high turnover, and a practice that can't function without the owner.Reflection question: If you disappeared for 90 days… what happens?Explore more resources: flvetadvisors.com Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us Fan MailTwo veterinarians can earn the same income, live a similar lifestyle, and still end up in completely different financial positions.In this episode of the Smarter Vet Podcast, Tom Seeko and CJ Burnett unpack why financial outcomes are rarely about income alone. They explore the role of perception, habits, and common money mindsets that quietly keep veterinarians stuck—like believing busy equals successful, assuming you'll “catch up later,” or relying on a future practice sale as a retirement plan.This conversation challenges listeners to think differently about control, intentionality, and aligning their business and personal finances to create clarity and confidence.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us Fan MailThis episode marks a major milestone—200 episodes of the Smarter Vet Financial Podcast. To celebrate, CJ Burnett and Tom Seeko step back to reflect on what they've consistently seen work—and not work—for veterinarians over the past decade.They break down three common patterns that hold people back: lack of clarity, believing more income automatically equals progress, and the mindset of “I'll figure it out later.” Then, they share the foundational principles that lead to real financial progress: clarity, consistent saving, and alignment between personal and practice goals.This conversation is about simplifying finances, building sustainable habits, and creating financial independence—without relying solely on practice sales or income growth.

Send us Fan MailPractice ownership can feel like a rollercoaster — incredible highs, heavy responsibilities, and moments that make you question why you started in the first place.In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down the real-world trials and trivia of veterinary practice ownership. From financial pressure and decision fatigue to emotional load and leadership challenges, they unpack the parts of ownership that often go unspoken.They also highlight the quieter wins: building a lasting culture, developing confident associates, creating optionality, and designing a practice that supports both your lifestyle and long-term financial goals.Whether you're aspiring to own, currently owning and overwhelmed, or somewhere in between, this conversation offers clarity on what ownership actually looks like — and how structure and financial clarity can change everything.

Send us Fan MailCommunication isn't just announcements—it's how veterinary teams connect, support each other, and deliver care. In this episode, Tom Seeko sits down with Catherine Haskins, founder/CEO of The Bridge Club and co‑founder of Project Sticker, to talk about the realities of communication inside practices, the shift toward smaller, more intentional networking, and practical ways leaders can support mental health on fast‑moving teams.We cover: • Why “more” communication isn't always better—and when it isn't enough • How to make connection intentional (and doable) in a packed schedule • The role of authenticity, conflict, and clarity in team culture • Project Sticker's simple ideas (like 5‑minute buffers) to protect mental health • A quick win any practice can implement this week: notice → check in → follow upResources & Links:Florida Veterinary Advisors: https://flvetadvisors.comFull Episode (Audio): https://flveterinaryadvisors.com/smarter-vet-financial-podcast/The Bridge Club: https://thebridgeclub.com/Project Sticker: https://stickwithus.vetAVMA QPR Gatekeeper (free): https://www.avma.org/resources-tools/wellbeing/qpr-suicide-prevention-trainingEnjoying the show? Please rate/review on Apple Podcasts or Spotify—this helps other veterinary professionals find us.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us Fan MailVeterinary medicine isn't about the money—but avoiding finances can quietly create stress, burnout, and long-term consequences.In this episode of the SmarterVet Financial Podcast, CJ Burnett and Tom Seeko unpack the hidden cost of financial avoidance in veterinary medicine. From subscription creep and pricing hesitation to discomfort around money conversations, they explore why so many veterinarians sidestep finances—and how that avoidance compounds over time.You'll hear real-world examples of how ignoring financial decisions impacts personal stress, business stability, retirement readiness, and career flexibility. More importantly, CJ and Tom reframe financial clarity not as greed—but as a tool that supports better medicine, stronger practices, and long-term sustainability.If finances feel overwhelming, avoided, or emotionally charged, this conversation will help you see money through a clearer, more constructive lens.

Send a textMany veterinarians say they don't make enough, can't change jobs, can't reduce hours, or will “never be able to retire.” But is that really about income… or about options?In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down why financial freedom isn't defined by net worth or a big salary—it's defined by flexibility. Whether it's taking time off, changing clinics, relocating, starting a family, walking away from a toxic workplace, or even pursuing ownership, your options come from liquidity, structure, and boundaries, not your income level.You'll hear how lifestyle creep, locked-up retirement dollars, and lack of structure can make high earners feel broke—and how simple shifts like using a Wealth Coordination Account can help you create space, control, and the ability to choose your next step.If you enjoy this episode, explore race-approved CE, masterclasses, and our book Unleashed: The Financial Clarity Every Veterinarian Needs at FLVetAdvisors.com. And if you haven't already, leaving a rating/review on Apple or Spotify helps more veterinarians find this show.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances: 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment: Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice: Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a textIn this episode of the Smarter Vet Financial Podcast, Tom Seeko welcomes back Andrea Crabtree of Furpaws Consulting for a candid conversation about leadership, communication, and accountability in veterinary practices. Andrea shares insights from her journey from practice manager to consultant and explains why communication breakdowns—not skill gaps—are often the root of practice challenges. Together, they explore simple but powerful ways teams can improve culture, retention, and performance through intentional training and curiosity-driven leadership. This episode is a must-listen for practice owners and managers who want stronger teams and healthier practices.To contact Andrea, please check out the resources below...Furpaws Consulting: https://www.furpawsconsulting.com/   Executive Leadership Workshop:  https://www.furpawsconsulting.com/symposiums  PAWSitive Leadership Podcast: https://www.podbean.com/pi/pbblog-zkq48-9bfab3 LinkedIn: https://www.linkedin.com/in/andrea-crabtree-bs-cvpm-sphr-phrca-ccfp-fear-free-000a7985/  Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send a textOn this episode of the Smarter Vet Financial Podcast, Tom Seeko and CJ Burnett, co-founders of Florida Veterinary Advisors, walk through a clear framework for answering one of the most common questions vets ask: “Am I financially on track?” They break your journey into four phases—25–30, 30–40, 40–55, and 55+—so you can see what typically matters most at each.You'll hear practical context around student loans, changing pay scales, the rise (and shifts) in relief work, when ownership or career pivots make sense, and how to build a retirement income plan that supports your lifestyle without guesswork.If you enjoy this show, explore more resources at FLVetAdvisors.com, including our book Unleashed: The Financial Clarity Every Veterinarian Needs. And if this episode helped you, a quick rating/review on Apple or Spotify helps other vets find the show.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances: 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment: Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice: Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textIn this episode of the SmarterVet Financial Podcast, Tom Seeko sits down with Lindsay McMakin to explore the real-world challenges and opportunities in veterinary practice management. Lindsay shares her inspiring journey from receptionist to practice manager and consultant, offering actionable strategies for hiring with culture in mind, boosting financial literacy, and using technology to enhance — not replace — the human side of veterinary care. Tune in to learn how aligning your financial systems, improving accountability through regular meetings, and seeking expert guidance can help you build a thriving, sustainable practice.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels:Instagram-https://www.instagram.com/flveterinaryadvisors/ Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665 

Send us a textMost financial plans don't fail because of markets—they fail because of unplanned life events. In this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko explain why risk is the silent plan killer for veterinarians and practice owners. They break down the real-world risks that can derail a plan, including disability, lawsuits, outdated legal documents, insurance gaps, and business-owner exposure. This conversation reframes risk management as resilience planning and challenges listeners to decide who they want absorbing the risk when life happens.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textIn this episode of the Smarter Vet Financial Podcast, hosts Tom Seeko and guest Eric Benke dive into the financial side of veterinary practice ownership, focusing on the power of key performance indicators (KPIs) to drive profitability and growth. They explore metrics like client retention, revenue per DVM, and net profit margin—explaining how tracking the right numbers can reveal hidden gaps, improve compliance, and guide smarter business decisions. Eric also shares how implementing wellness plans can boost visit frequency and strengthen client relationships. Whether you're just starting to track metrics or looking to optimize your operations, this episode delivers actionable strategies for long-term success.If you'd like to contact Eric about Kanter Consulting Group's services or if you have any questions, visit their website here or call 813-855-5433. Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Financial Podcast, Tom Seeko sits down with Dr. Molly McAllister, Global Chief Medical Officer at Mars Veterinary Health, for a candid conversation about growing as a leader, keeping your energy high, and making an impact that reaches far beyond individual appointments. Molly shares her non-linear path from equine and small-animal practice to executive leadership, why veterinarians are uniquely equipped to lead, and how simple habits (and clear communication) create sustainable performance.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send Us A Question!Welcome to another episode of Questions With Crocker! In this episode, Dr. Crocker and Shane are chatting with Tom Seeko and CJ Burnett from Florida Veterinary Advisors. They're talking about retirement, finances, and the good ol' student loans.Episodes release bi-weekly on Thursdays at 9am EST and are available on all podcast platforms including a video version on YouTube!Have a question or inquiry for the podcast? Email questionswithcrocker@gmail.com, text us from the link above, or message on social media platforms.00:00 Intro00:25 Florida Veterinary Advisors03:20 Retirement and Financial Independence06:38 Taking Smart Risks as a Veterinarian10:20 Vet Owners compared to Vet Associates17:34 Best way to manage student debt?27:19 New grad vets and their finances37:34 Advice for someone thinking of going to vet school41:02 Reaching out to Veterinary Advisors and how that would go46:28 Why do you like working with people in Vet Med?48:32 Outro

Send us a textFeeling the shift as you move through your 50s? In this candid episode, Tom Seeko and CJ Burnett explore the decade when retirement becomes real, bodies change, and financial priorities shift in ways that can feel overwhelming. They talk about how to avoid risky investment moves, prepare for the realities of caring for both children and aging parents, and make wise choices around debt, housing, and estate planning. By connecting health habits with financial outcomes, they show how small, intentional steps today can protect your wealth and help you step into retirement with clarity and confidence.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors Instagram-https://www.instagram.com/flveterinaryadvisors/ YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665  

Send us a text360 Vet Sales (free valuation & consult): 360VetSales.comContact: kia@360vetsales.com | matthew@360vetsales.comThinking about selling your hospital in the next 1–5 years—or just want to know your options? In this episode, Tom Seeko talks with Matt Arena (Founder) and Kia Banisadre (Business Development Officer) of 360 Vet Sales about what it really takes to prepare, go to market, and land a deal you'll feel good about long after closing.In this conversation, you'll learn:Misconceptions that cost owners money (it's not “corporate = bad,” and you don't have to be ready to retire tomorrow).Face value vs. market value: why competition among buyers (not just your P&L) drives price.The 12–24 month prep window: what to fix now in margins, pricing, and reporting to boost valuation.Your deal team: tax pro, financial advisor, M&A attorney—and why a broker often pays for themselves.The emotional side of selling: protecting staff, preserving standard of care, and honoring your legacy.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors Instagram- https://www.instagram.com/flveterinaryadvisors/ YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Send us a textYour 40s can feel like the “crunch decade”—income peaks, expenses pile up, and retirement starts to feel real. In this episode, Tom Seeko and CJ Burnett unpack how to balance saving with lifestyle and college costs, avoid lifestyle creep, and shift from “set it and forget it” to intentional planning. They dig into career pivots and burnout in veterinary medicine, plus why insurance and estate planning (wills, trusts, beneficiaries) can't wait. You'll leave with simple moves to prioritize your future self without neglecting the people you love today.Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors Instagram-https://www.instagram.com/flveterinaryadvisors/ YouTube- https://www.youtube.com/@floridaveterinaryadvisors7665 

Send us a textIn this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko dive into the psychology of change—why some people chase it and others avoid it at all costs. From personal habits to financial planning, they explore how meaningful growth often demands stepping outside your comfort zone. You'll hear insights on overcoming resistance, dealing with lifestyle creep, and making space for the behaviors that lead to lasting success. If you've ever struggled with change, this conversation will challenge your mindset and equip you with practical ways to move forward with clarity and confidence.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Financial Podcast, Tom Seeko interviews Dr. Michelle Drake—veterinarian, author, and long-time practice owner. Dr. Drake shares how she built a mission-driven veterinary practice, the importance of planning and leadership, and why working on your business matters. She also discusses the challenges of staying independent and her transition into speaking and writing to mentor others. Tune in for expert advice on veterinary practice management, leadership, and sustainable growth.Learn more about Genius Vets and the work they do here and consider purchasing Dr. Drake's book, Veterinary Leadership: A Practical Guide for Practice Owners and Managers here!Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ 

Send us a textIn this episode of The Smarter Vet Podcast, CJ Burnett and Tom Seeko dive into the often-overlooked emotional and behavioral side of financial planning. From the weight of student loans to the comfort of feeling financially secure, they unpack the different mindsets people have about their futures—and how those perspectives shape real-world outcomes.They explore how spending and saving habits, tax management, and overall financial awareness can either accelerate or stall your growth. You'll discover why understanding your “financial camp” is key, and how proactive planning can replace uncertainty with peace of mind.If you've ever wondered how to break free from financial stress and make your money work harder for you, this conversation is packed with insights to help you get there.

Send us a textIn this episode of The Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko dive into a powerful yet often overlooked principle in both veterinary practices and financial planning: make it easy. They unpack how simplifying client interactions, streamlining internal processes, and being mindful of cognitive biases can drastically improve decision-making, satisfaction, and follow-through.Whether you're scheduling appointments or guiding financial choices, reducing friction is the key to better outcomes. Tune in to learn actionable strategies to create a more welcoming experience, limit overwhelm, and ultimately build stronger, longer-lasting client relationships.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of The Smarter Vet Financial Podcast, hosts CJ Burnett and Tom Seeko unpack why even high earners often struggle to save—and what to do about it. After some lighthearted banter, they dive into the psychology behind spending and introduce a powerful solution: the Wealth Coordination Account (WCA).This simple but strategic system involves routing all income into a separate account before sending a controlled amount to your personal checking. The result? You limit lifestyle creep and start saving with intention.CJ and Tom explain how this structure helps remove emotion from your financial decisions, keeps your spending in check, and aligns your money with long-term goals. If you're ready to break free from unproductive habits and take control of your cash flow, this episode is a must-listen.Need help setting it up? Reach out to our team—we're here to guide you: info@nextstepfinances.com.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of The Smarter Vet Podcast, CJ Burnett and Tom Seeko break down what business owners need to know about selling their business — from why timing is critical to why age shouldn't dictate your exit. They challenge traditional views of retirement, highlight the difference between revenue and true profit, and explain how intentional living and solid financial planning can help you achieve independence beyond your business. If you're thinking about selling or planning for the future, this episode is a must-listen.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ 

Send us a textIn this episode of The Smarter Vet Podcast, cohost Tom Seeko sits down with Dr. Link Welborn—veterinarian, entrepreneur, and founder of Veterinary Management Groups (VMG)—to explore the evolving landscape of veterinary practice ownership. They dive into the core traits of successful owners, the ongoing pressures of inflation and client affordability, and the growing role of AI in streamlining operations like medical record-keeping. To learn more about VMG, visit here. Connect with Dr. Welborn on LinkedIn or via email.Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances: 5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment: Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time: https://flveterinaryadvisors.com/contact-usCheck out our social media channels: Facebook – https://facebook.com/flvetadvisors LinkedIn – https://linkedin.com/company/flvetadvisors YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textLife insurance is about more than just replacing income — especially for veterinary practice owners. In this episode of The Smarter Vet Podcast, Tom Seeko and CJ Burnett break down the five key insurable interests every practice owner should understand: human life value, business value, key person coverage, outstanding debts and mortgages, and estate planning strategies. You'll learn how each of these plays a role in protecting your practice, securing your family's future, and ensuring your business can thrive even during unexpected challenges. Tune in to discover how proper risk management through life insurance can help you build a more resilient and confident financial future.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances. 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice. Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

In this episode, Andrea and David sit down with Tom Seeko and CJ Burnett, Co-Founders of Florida Veterinary Advisors, for a deep and practical conversation on financial clarity and independence. They explore the realities behind financial success, the importance of insurance, creating effective financial exit plans, and everything in between. Tom Seeko is a Certified Exit Planner, Financial Advisor, Best-Selling Author, and Podcast Host. He's joined by his business partner, CJ Burnett—also a Financial Advisor, Speaker, and Best-Selling Author. Together, they bring a refreshing approach to money management, offering veterinarians and professionals a clear framework for making confident financial decisions. So, grab your coffee or pour a glass of wine, and join us for an engaging conversation. Stay happy and sane!   Show Links: https://flveterinaryadvisors.com/ https://www.linkedin.com/company/flvetadvisors   Our Links: Website: https://www.pawsitiveleaders.com/   FB: https://www.facebook.com/PAWSitiveLeaders   IG: https://www.instagram.com/pawsitiveleaders/   Furpaws Consulting: https://www.furpawsconsulting.com/   Andrea Crabtree-Wood (Host) LinkedIn: https://www.linkedin.com/in/andrea-crabtree-bs-cvpm-sphr-phrca-ccfp-fear-free-000a7985/  David Liss (Host) LinkedIn: https://www.linkedin.com/in/david-liss-mba-cvpm-rvt-6915743b/ To learn more about our social media: http://www.dogdaysconsulting.com   LinkedIn: https://www.linkedin.com/in/rhondabellcvpm/

Send us a textThinking about buying a home? In this episode of The Smarter Vet Podcast, Tom Seeko and CJ Burnett unpack what every veterinary professional should know before purchasing property. From financial preparedness and market timing to avoiding overspending and aligning your purchase with personal and lifestyle goals, this episode is packed with actionable insights. Tom and CJ also highlight the value of working with experienced mortgage brokers and real estate agents — and why getting pre-approved before house hunting can make or break your success. Don't miss this essential guide to stress-free and financially sound homeownership in today's competitive housing market.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this eye-opening episode of the Smarter Vet Financial Podcast, hosts Tom Seeko and CJ Burnett sit down with Dr. William Anton, founder of CEOeffectiveness.com, for a powerful discussion on personal development and the often-overlooked importance of mental health—especially among high-performing professionals.Dr. Anton challenges the outdated stigma around therapy and psychological coaching, describing it as the “emotional equivalent of graduate school” for those seeking to live and lead more effectively. He unpacks how early life experiences shape the way we see ourselves and the world—and how many of those beliefs quietly limit our potential.From redefining mental health beyond clinical labels to embracing a holistic, strengths-based approach to growth, this episode dives deep into what it truly means to become your best self. Whether you're a practice owner, team leader, or simply striving to grow, this is a must-listen for anyone ready to confront their inner barriers and unlock lasting personal and professional effectiveness.To contact Dr. Anton, or to purchase one of his books, please visit CEOeffectiveness.com. Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances -  5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment Test My Personal Financial IQ - https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice -  Schedule a time: https://flveterinaryadvisors.com/contact-usCheck out our social media channels Facebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Podcast, Tom Seeko is joined by estate planning specialist Eileen Rice to unpack the critical components of a solid estate plan. They discuss why estate planning isn't just for the wealthy or elderly—it's for anyone with assets or dependents who wants to avoid unnecessary complications and costs. Eileen explains key documents like medical directives, powers of attorney, wills, and living trusts, emphasizing how a personalized plan can protect your well-being and ease the burden on your loved ones. Tune in to learn why taking action now provides the ultimate peace of mind later.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances -5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment -Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice -Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Podcast, Tom Seeko and CJ Burnett tackle the common myths and misconceptions about annuities. From misunderstandings about high fees to assumptions that annuities are only for retirees, they break down what you really need to know. Tom and CJ explain key features like surrender charges, internal costs, and guaranteed income options, highlighting why it's essential to dig deeper than the online noise. Tune in for a clear, balanced perspective on a topic that's often misunderstood.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances - 5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment -Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice - Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisors LinkedIn-https://linkedin.com/company/flvetadvisors YouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of The Smarter Vet Podcast, host Tom Seeko talks with Dr. Jennifer Merlo, Vice President of Veterinary Affairs at Fear Free. Dr. Merlo shares her unique career path—from clinic ownership to corporate leadership—highlighting the real challenges of HR, marketing, and financial stress in veterinary practice. She opens up about the importance of financial planning, especially after becoming a parent, and how a trusted advisor made all the difference. The episode also explores the mission behind Fear Free and how it's transforming the veterinary experience for pets, clients, and teams.To learn more about Fear Free and their mission, visit here. Connect with Jennifer on LinkedIn here.Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time: https://flveterinaryadvisors.com/contact-usCheck out our social media channels:Facebook – https://facebook.com/flvetadvisors LinkedIn – https://linkedin.com/company/flvetadvisors YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ7949750.1

Send us a textIn this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down how current global events, inflation, and rising interest rates are affecting both the economy and everyday financial decisions—from buying a home to running a veterinary practice. They explore why pricing adjustments are crucial for business owners, how to navigate uncertain investment opportunities, and the difference between smart investing and speculation. Tune in for practical tips on building long-term financial stability through budgeting, planning, and emergency savings. Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time: https://flveterinaryadvisors.com/contact-usCheck out our social media channels:Facebook – https://facebook.com/flvetadvisors LinkedIn – https://linkedin.com/company/flvetadvisors YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ7977286.1

Send us a textIn this episode of the Smarter Vet Financial Podcast, CJ Burnett and Tom Seeko break down the critical role life insurance plays for veterinarians and business owners. They cover the key differences between term and permanent policies, common uses beyond just death benefits—like income replacement and business buyouts—and why reviewing your coverage regularly is essential. Whether you own a practice or just want peace of mind, this episode helps you align your life insurance with your financial goals.Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time: https://flveterinaryadvisors.com/contact-usCheck out our social media channels:Facebook – https://facebook.com/flvetadvisors LinkedIn – https://linkedin.com/company/flvetadvisors YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ7953951.1

Send us a textIn this episode of The Smarter Vet Podcast, Tom Seeko and CJ Burton simplify financial health by comparing it to checking a patient's vitals. You'll learn the four key "financial vital signs"—cash flow, net worth, debt, and emergency fund—and how small steps like tracking spending can improve them. Progress, not perfection, is what leads to less stress and more control.Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no-cost, 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course – http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time: https://flveterinaryadvisors.com/contact-usCheck out our social media channels:Facebook – https://facebook.com/flvetadvisors LinkedIn – https://linkedin.com/company/flvetadvisors YouTube – https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ7940417.1

Send us a textCohosts CJ Burnett and Tom Seeko dive into the anxiety many veterinarians feel about current events, like tariffs and economic uncertainty. While we can't control everything, they highlight how having a financial plan in place ahead of time can help you stay calm and avoid knee-jerk decisions. Just like preventative care in veterinary medicine, a solid financial plan helps you prepare for the unexpected. They also suggest looking into guaranteed and liquid investments—and focusing your energy on the things you can control. Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”Buy Now: Book – Unleashed | Florida Veterinary Advisors—–Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textCohosts CJ Burnett and Tom Seeko discuss a heavily felt topic that is not often talked about openly. There are good reasons why people stress, and sometimes those stressors can be a result of poorly communicated expectations and prior life experiences. This episode is meant to help expand your mind and, hopefully, see things a bit differently than before to "unstuck" yourself. Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”Buy Now: Book – Unleashed | Florida Veterinary Advisors—–Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textCohosts CJ Burnett and Tom Seeko discuss a common question people ask when a veterinarian starts a new job or when a practice owner starts a 401(k). Before combining all your IRAs into an employer-provided 401(k), there are a few vital considerations and questions to ask. Join CJ and Tom before taking that next step so you can get the most from your savings and investments. Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”Buy Now: Book – Unleashed | Florida Veterinary Advisors—–Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textSelling a veterinary practice is a major decision that requires careful planning and strategy. In this episode, Tom Seeko, co-founder of Florida Veterinary Advisors, sits down with Bill Murray, founder of Wiklow Healthcare Advisory, to discuss the evolving landscape of practice sales. With 25 years of experience in the veterinary industry—primarily in lending—Bill now helps veterinarians navigate their exit strategies.From financial readiness to understanding the emotional side of selling, they break down key factors every practice owner should consider. Whether you're thinking about selling in the near future or just starting to plan your exit, this conversation offers valuable insights on maximizing practice value, avoiding common pitfalls, and ensuring a smooth transition for your team and clients.Find Wicklow Healthcare Advisory on LinkedinFind Bill on LinkedinFind Wicklow Healthcare Advisory on XDiscover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”Buy Now: Book – Unleashed | Florida Veterinary Advisors—–Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of The Smarter Vet Financial Podcast, hosts CJ Bernett and Tom Seeko break down financial strategies for high-income earners. They discuss how marriage impacts money decisions, common mistakes with Roth IRAs, the "backdoor Roth" strategy, and maximizing 401(k) contributions. We also highlight the importance of balancing tax savings with long-term financial goals and offer tips for managing money in relationships. Tune in for expert insights to help you make smarter financial decisions!

Send us a textIn this episode of The Smarter Vet™ Podcast, hosts Tom Seeko and CJ Bernett dive into the financial struggles many face—especially moms living paycheck to paycheck. They explore why so many married couples aren't truly “finance married,” operating on separate financial islands that lead to inefficiencies, stress, and a lack of financial clarity.Key takeaways include the importance of open financial communication with your spouse, tracking income and expenses without guilt, setting healthy money boundaries, and prioritizing savings—even in small steps. The hosts also discuss cultural expectations, the root causes of financial disconnection, and practical steps to regain control of your finances. Plus, they share free resources to help you get started.If you're feeling financially overwhelmed, this episode is a must-listen!Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”Buy Now: Book – Unleashed | Florida Veterinary Advisors—–Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a text In this episode of The SmarterVet Podcast, hosts Tom Seeko and CJ Bernett explore the root causes of financial struggles veterinarians face. Why does money management often feels overwhelming? How do factors like time constraints, misinformation, and lack of financial education contribute to the problem? By shifting mindsets, breaking financial planning into manageable steps, and taking proactive action, veterinarians can overcome these challenges and take control of their financial future with confidence. Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs” Buy Now:  Book - Unleashed | Florida Veterinary AdvisorsExtra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of The Smarter Vet Podcast, financial advisors CJ Burnett and Tom Seeko break down the truth about credit scores—what they really mean, how they're calculated, and why a high income doesn't automatically guarantee a great score. They explore the history of credit cards, the key factors that influence credit scores (like payment history and credit utilization), and the practical steps veterinarians can take to improve theirs.From paying off credit cards weekly to keeping an eye on free annual credit reports, CJ and Tom share smart, actionable strategies to help you manage credit wisely—without obsessing over the numbers. Whether you're looking to buy a home, a car, or simply gain a better understanding of your financial health, this episode is packed with insights to help you make informed decisions. Tune in and take control of your credit with confidence!Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs” Buy Now:  Book - Unleashed | Florida Veterinary AdvisorsExtra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textWhat are the most Googled financial questions in America? In this episode of the Smarter Vet Financial Podcast, hosts Tom Seeko and CJ Burnett break down the top-searched money topics by state—revealing trends in student loans, mortgages, car loans, and retirement planning. They analyze what these searches say about financial habits, debt culture, and the growing need for financial literacy. Don't miss this eye-opening discussion that could change the way you think about money.Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs” Buy Now:  Book - Unleashed | Florida Veterinary AdvisorsExtra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textIn this episode of the Smarter Vet Podcast, our co-founder Tom Seeko sits down with Dr. Annie Chevant, DVM, MBA, Assistant Director of Early Career Initiatives at the AVMA and co-host of the My Veterinary Life Podcast. Together, they explore the financial challenges veterinarians face, from navigating financial decisions in vet school to overcoming financial anxiety and managing life transitions. Dr. Chevant shares valuable insights on building confidence, leveraging problem-solving skills for financial success, and accessing resources to support your financial journey.Take our quick quiz to see how protected you are https://flveterinaryadvisors.com/protected-assessment/Find our book "Unleashed: The Financial Clarity Every Veterinarian Needs" at https://lnkd.in/ehqujdf8-----Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textAlright, let's talk about vacations, shall we? It seems like you're ready to dive into planning that much-needed time off. Like we always say, it's so important to take time to unwind, recharge, and make sure you're getting what you truly want from life. In this episode, co-hosts, Tom Seeko and CJ Bernett, emphasize the importance of time off for preventing burnout and offer practical steps for budgeting time and money for vacations, including defining vacation types (famations, workations), considering planning agencies, and allocating a specific percentage of income for yearly vacations.Buy our book “Unleashed: The Financial Clarity Every Veterinarian Needs” —–Extra resources galore!Listen to more episodesWatch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.Find out what you could be overlooking within your practice by taking our brief assessment "Test My Personal Financial IQ"Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Check out our social media channels:Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Send us a textWe are thrilled for the release of our new book, Unleashed: The Financial Clarity Every Veterinarian Needs.You can find a copy of our book on Amazon in paperback and the Kindle app or device. Grab your copy today.>> Buy a copy now

In this VETgirl veterinary continuing education podcast, we interview financial advisors Tom Seeko and CJ Burnett, co-founders of Florida Veterinary Advisors. Financial health, like mental and physical health is important! Tune in as we discuss financial life hacks for veterinary professionals.