Optimized Advisor Podcast: Recent Episodes
Scott Heinila
This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. Hosted by Scott Heinila.
In this episode, Scott and Eric explore:
- Why "Bitcoin, not crypto" is more than a slogan — and what separates Bitcoin from the ~3,500 other digital assets
- The two functions of money (store of value vs. medium of exchange) and why no historically "sound" money has existed
- The 1913 creation of the Fed, the ~97% decline in the dollar's purchasing power, and the 1971 suspension of the gold standard
- Gold's "weight problem" and how Bitcoin's weightlessness and absolute scarcity are designed to address it
- What absolute scarcity (21 million cap) means versus gold's supply responsiveness to demand
- Why family offices think in third-to-fifth-generation terms — for both wealth and values
- Bitcoin as a "non-sovereign," bottom-up asset that reached regular people before elites
- Objection handling: volatility, "no intrinsic value," and correlation with the NASDAQ/tech markets
- Whether correlation invalidates the monetary thesis — and how the "frame" you enter from changes the answer
- Where Bitcoin sits in its adoption arc: currently more store of value than medium of exchange
- The self-custody vs. ETF trade-off, including multi-sig setups and downside-risk-mitigated ETF structures
- Where a skeptical-but-open advisor should begin their due diligence
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
In this episode, Tom Hegna challenges advisors with the questions that matter most right now:
- Are you using AI, or avoiding it? Tom uses AI every day — building presentations in minutes, sharpening social posts, and coaching himself on strategy. His warning: advisors who say "I'm not AI" will get left behind.
- Would AI approve your plan? When a client runs your illustration through AI, does it endorse your work? Tom argues the fix is to feed it yourself and ask, "Is this the optimal solution for this client?"
- Are you still stuck on accumulation? Tom explains why retirement is about income and risk management, not rate of return — and why he had to make income "sexy" through mortality credits and the academic research behind them.
- Is your client's retirement riding on luck? Sequence-of-returns risk is "nothing more than good luck or bad luck." Tom explains why the solution is guaranteed lifetime income covering basic living expenses.
- Are you building a protection plan or just an investment plan? Tom breaks down the roles of income annuities, cash value life insurance, hybrid and traditional long-term care, and asset protection.
- Do you know what the big institutions are actually saying? BlackRock, Ernst & Young, Barclays, Goldman Sachs and the Wall Street Journal — none of them sell annuities, and all point toward guaranteed income.
- What should you stop doing? Sketchy IUL claims, underfunded UL policies sold on fantasy, and fixed index annuities built on manufactured or back-tested performance.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Most financial advisors are visionaries — fast-moving sales-driven entrepreneurs whose back offices often can’t keep up. In this episode, host Scott Heinila welcomes back Katelynn Graham, Founder and CEO of The Admin Effect, to talk about what it really takes to build operational excellence behind a growing advisory practice.
Katelynn explains why operations should be viewed as an investment rather than an expense, how her firm embeds as an extension of advisor teams serving $15M to $200M+ in annual new assets, and why our industry makes it so unnecessarily hard to serve clients. She shares hard data on cycle times — why money movement that drags 50–60 days should be closer to 10–25 — and the tracking and dashboards that give advisors real visibility into their businesses.
They also cover hiring mistakes advisors make, the difference between industry experience and back-office competence, her hands-on training course and new TAE Ops Leadership Lab, the journey from founder-led to operator-led leadership after hiring a COO, lessons from mentors like Alex Hormozi and Tony Robbins (push vs. pull motivation), and why AI won’t replace advisors — but advisors who use it will replace those who don’t.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
In this episode of the Optimized Advisor Podcast, host Scott Heinila sits down with award-winning marketing strategist Tiffany Markarian, who brings over three decades of experience coaching financial advisors on scaling their businesses and deepening their marketing traction.
The discussion opens with the evolving advisor landscape — an aging workforce, the rise of technology and AI, and the expanding geographic reach those tools enable. Tiffany cautions that technology is meant to make the back office more efficient so advisors can be more client-facing, not to replace the relationship-building and networking that actually generate qualified prospects. "Hope is not a plan," she notes, pushing back on the "post and hope" approach to content marketing.
From there, the conversation turns to the core distinction between growth and scale. Tiffany argues that most practices are struggling with scale — the day-to-day capacity to serve clients well — rather than a shortage of growth opportunities. She lays out a concrete exercise: run every household in descending order of revenue, tally the hours the entire staff (not just the advisor) spends servicing each one, and tier clients honestly. The numbers often reveal that lower tiers are being over-served at a loss, while top clients point the way toward profitable niche networks the advisor didn't realize they already had.
The episode also explores the choice every successful advisor eventually faces — remaining a lead "income producer" or building an enterprise — and emphasizes that both paths are valid as long as the advisor is honest about the trade-offs and listens to their staff. Tiffany and Scott close with a look ahead at continued M&A activity, rapid technology adoption, and clients demanding broader planning services, concluding that a loyal client base anchored in a clear niche is what carries an advisor through whatever changes come.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
This episode is a must-listen for advisors—male or female—who want to better serve women clients, build a sustainable and profitable practice, and protect themselves through industry consolidation. Cary brings honesty, hard-won lessons, and practical frameworks throughout.
About the guest: Cary Carbonaro is a Certified Financial Planner™, author, and nationally recognized women-and-wealth expert. A frequent media commentator and keynote speaker (20–25 engagements a year), she specializes in serving high-earning women and demystifying wealth management for female clients.
Topics covered: The Invest in Women conference and the value of stepping outside your “ecosystem,” Cary’s Goldman Sachs acquisition story, client ownership and self-sourcing, measuring practices on profitability over AUM, the women’s wealth gap, menopause and HRT as planning conversations, the “female-friendly practice” quiz, and how Cary protects her time and well-being.
Mentioned in this episode: Cary’s book on women and wealth; the McKinsey study (2015) on women controlling two-thirds of U.S. wealth by 2030; Harvard Business Review study on financial services being the least sympathetic industry to women; Investopedia’s 2019 advisor rankings.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Van Mueller’s story shouldn’t work. He failed his insurance licensing exam three times, spent 16 years as a self-described “cancer” in his agency, and was eventually fired — by three branch managers simultaneously. Then, in his 17th year, a mentor gave him a single directive that changed everything: stop worrying about yourself and start taking care of people.
The result? 36 consecutive years at Top of the Table, speaking engagements around the world, and a reputation as one of the most effective question-based sales trainers in the insurance and financial services industry.
In this episode, Van sits down with host Scott Heinila to share the framework, the mindset, and the exact questions that have driven his career — and how any advisor can apply them starting today.
In this episode:
The 5 core conversation topics every advisor should be raising with every client
Why “process” questions outperform product pitches every single time
How Van got a $600,000 client by asking one question in a grocery store
The IRA/401(k) question that stops people cold — and opens the door to a full planning conversation
Why Americans love to buy but hate to be sold — and how to position yourself on the right side of that
The three things every advisor must do to build a thriving practice: appointments, inspiration, and finding the money
How Van’s newsletter delivers ready-to-use questions and tax insights advisors can deploy immediately
Why repetition — not more product knowledge — is the real key to mastery
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
After nearly 50 years in the insurance and annuity industry — spanning roles as a producer, home office executive, and distribution leader — Craig Collins sits down with host Scott Heinila for a data-driven deep dive into the state of the annuity marketplace in 2026.
Drawing on fresh LIMRA data, Craig unpacks what’s driving record annuity sales, the meteoric rise of Registered Index-Linked Annuities (RILAs), how shifting consumer psychology is reshaping the industry, and what advisors need to know to capitalize on the biggest wealth transfer opportunity of the decade.
Whether you’re a seasoned annuity producer or just beginning to integrate these solutions into your practice, this episode delivers the context, clarity, and forward-looking insight you need.
In this episode:
- How annuity sales nearly doubled from 2013–2025 and what’s driving continued growth
- Why the fixed & indexed annuity space dominates 2/3 of all sales
- The RILA revolution: 20x growth in 10 years and what it means for independent advisors
- Interest rates, bond markets, and the Fed — separating fear from facts
- Why “process is the new product” and how technology is reshaping distribution
- Guaranteed income, long-term care, and the evolving role of annuities in retirement planning
- $1.5 trillion in maturing annuity assets — and where that money is going next
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
🎙️ About the Guest: Matt Halloran* Started in financial services in 2006 as a life coach under what is now Omani Carson * Author of the Social Media Handbook for Financial Advisors * Co-founded Proud Mouth — the largest financial advisor podcasting company in North America (15,000+ episodes) * Personally hosted approximately 1,000 podcast episodes * Currently serves as Chief Evangelist at Zocks, an AI assistant platform for financial advisors * Launching a new show: Better Practice, Better Life
🏟️ Industry Conferences: Key Takeaways* Conferences allow advisors to connect with peers who share the same challenges and celebrate milestones that can't be shared with friends or family * Future Proof (Huntington Beach) changed the industry ~4 years ago by proving advisor conferences don't have to be boring * Matt's personal conference rankings: #1 Future Proof, #2 Fearless, #3 Nitrogen Ascent, then Orion, T3, and Jolt (biannual, by Snappy Kraken) * Kitces publishes an annual list of top industry conferences — a great starting resource * Tip: Align conference selection with your tech stack and ask your coach or peers for guidance * Caution: Attending only your own firm or ecosystem's conference limits your perspective
🤖 AI in Financial Services* AI will not replace advisors — but advisors who use it will replace those who don't * Matt prefers the term "Augmented Intelligence" — it's meant to make you faster, smarter, and more efficient * AI is as significant a shift as Modern Portfolio Theory was to the industry * On average, AI assistant tools save advisors 8–10 hours per week * Client onboarding can be reduced from days to hours; financial plans from 12–15 hours to minutes * The real opportunity: use freed-up time to improve client service, health, relationships, and mental wellness — not just pile on more work * Most advisors using "AI" today are only using ChatGPT or Gemini for basic tasks — enterprise-level tools like Zox go far deeper
⚙️ Zocks: What Sets It Apart* Described as the "creamy center" of the advisor tech stack — it makes everything else talk to each other * Key features: AI-powered meeting notes, behavioral cues from clients, CRM integration, pre-meeting prep summaries, post-meeting action items * Has processed over 2 million advisor meetings, training outputs based on real advisor conversations * Roadmap focus: making tools like eMoney, Right Capital, and CRM systems sync seamlessly * Users report only using ~20% of the platform's capabilities — significant upside for full adoption
🎙️ Podcasting for Advisors* Only ~22% of advisors are currently podcasting — still a massive untapped opportunity * Key mistakes: starting without a system, publishing monologues instead of conversations, no clear call to action * Best format: video-first, then chop into micro-content for social media * Interview clients, centers of influence, and strategic partners — then get them to share the episode with their audiences * Always include a clear, specific CTA: white paper download, event signup, website visit * Proud Mouth's 9 podcast growth tactics remain the industry gold standard * It takes approximately 3 years of consistent effort to own your niche — stay the course
🎯 Niche Marketing & Brand Building* Marketing to everyone = marketing to no one * You will never outspend Ken Fisher — so stop trying to compete on volume * Pick a hyper-specific niche (orthodontists, ophthalmologists, musicians, etc.) and own that space nationally * Technology removes geographic constraints — your ideal client can be anywhere * Get 1% better every episode, every interaction — compounding wins over time
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Key Topics Covered:* The evolution of fintech and advisor technology * What “conversational financial planning” really means * How AssetMap simplifies client discovery and engagement * Integrating AssetMap with tools like eMoney * Identifying planning gaps with the “6Ls” framework * Why simplicity wins—even for high-net-worth clients * Balancing AI, automation, and human relationships in advice
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
In this episode of the Optimized Advisor Podcast, Dr. Jen joins the show for a candid and practical conversation about the psychology behind success, relationships, and personal growth.
With more than 20 years of experience as a clinical psychologist, former Army psychologist, author, speaker, and coach, Dr. Jen shares how the biggest obstacles to growth are often internal. The discussion explores how negative automatic thoughts, self-limiting beliefs, and emotional immaturity can quietly shape outcomes in marriage, business, leadership, and life.
For financial advisors and entrepreneurs, this episode offers meaningful insight into why success is not just about strategy, but also about mindset, self-awareness, accountability, and the ability to get out of your own way.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
- From Bullying to Black Belt Leadership* Dr. Terry’s journey began at age 13 after being bullied in school.
- His father enrolled him in martial arts, which ultimately transformed his confidence and mindset.
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Martial arts became the foundation for his leadership philosophy.
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Why Only 5% Reach the Black Belt Level Less than 5% of martial arts students earn a black belt*.
- The same pattern appears in business: 70% of businesses fail within 10 years.
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The difference between good and great is the discipline to keep going beyond initial success.
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The Foundation of Leadership: Belief* The first principle in Dr. Terry’s leadership philosophy is belief.
- You cannot achieve what you do not believe you are capable of achieving.
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Leaders must often lend belief to their teams until they develop it themselves.
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The BLACK BELT Leadership FrameworkDr. Terry outlines his leadership acronym:
B – Belief
Confidence in your potential and vision.
L – Learning
Commit to becoming a subject matter expert.
A – Accountability
Take ownership of outcomes and responsibilities.
C – Communication
Great leaders connect, not just communicate.
K – Kinetic (Action)
Success requires action, not just intention.
B – Boldness
Growth requires stepping into the unknown.
E – Equipping
Train others to eventually replace you.
L – Loyalty
Build trust and commitment within your team.
T – Transformation
Commit to becoming a better version of yourself every day.
- The Leadership Trap: Doing Everything YourselfMany advisors struggle to scale because they refuse to delegate.
Dr. Terry teaches the 80/20 rule of leadership:
- If someone can do a task 80% as well as you, let them do it.
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Focus 80% of your time on the 20% of activities you're best at.
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Empowering Teams to Scale Leaders must build organizations of leaders, not followers*.
- Empowering teams means allowing them to fail forward.
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Growth happens when people step outside their comfort zone.
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The 1% Rule for Daily ImprovementOne of Dr. Terry’s most practical leadership strategies:
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Improve just 1% per day in a key area.
- Over 30 days, that creates 30% improvement.
- Start with simple questions like:
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“Is this the best use of my time right now?”
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The Power of RecognitionCelebrating wins creates momentum.
As Tony Robbins says:
"What gets rewarded gets repeated."
Recognition builds:
- team morale
- success habits
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stronger organizational culture.
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The Danger of Stopping GrowthDr. Terry quotes Ray Kroc:
"As long as you're green, you're growing. Once you're ripe, you start to rot."
- Successful leaders:
- pursue lifelong learning
- invest in personal growth
- continuously improve their mindset and skillset.
Key Takeaways* Belief is the foundation of leadership. * Growth requires stepping into discomfort. * Leaders must empower others to scale their impact. * Small improvements compound into massive results. * Lifelong learning separates elite performers from average professionals.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
In this episode of the Optimized Advisor Podcast, we sit down with composer, pianist, and entrepreneur Harlan Hodges for a wide-ranging conversation about identity, resilience, and building a meaningful career. From a West Texas upbringing and a near career-ending skateboarding injury to working in Hollywood and contributing to major film projects, Harlan shares how adversity redirected his path and ultimately shaped his success. His story is a powerful reminder that sometimes the detours define us more than the original plan ever could.
Together, we explore what it means to differentiate yourself in a crowded industry, how to balance artistry with entrepreneurship, and why being fully authentic can be your greatest competitive advantage. Whether you’re a financial advisor refining your practice or a professional navigating your own next chapter, this episode challenges you to define success on your terms, stay committed to growth, and keep moving the ball forward—even when the path isn’t perfectly clear.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
OIP’s long-term care planning framework is a simple four-step process: Educate → Discover → Present Solutions → Execute. Scott and Bill emphasize that LTC (or “elder care/aging with dignity”) planning works best when it starts early and stays plan-first, not product-first—otherwise the conversation turns into a transaction. They also stress that “self-insuring” is still a plan, but many clients underestimate the non-financial consequences (family burden, caregiver strain, and messy dynamics) that show up when there’s no proactive strategy.
Evan explains how Waterlily makes these conversations easier and more personalized: a short client intake generates an individualized care timeline (likelihood, timing, duration, care hours, and zip-code-based costs) and helps clients visualize tradeoffs like family caregiving vs. paid professional care. The platform can also model funding approaches by importing policy PDFs (or illustrations) to simulate how benefits would actually pay during a client’s predicted claim scenario, and it supports quoting/application workflows to reduce friction and improve execution.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
In this festive holiday special of The Optimized Advisor Podcast, host Scott Heinila is joined by his wife Melissa Heinila, Kelly Hodges (Executive Assistant at Optimized Insurance Planning), and Nick Bernatowicz (Planning Director at Optimized Insurance Planning) for a global tasting adventure filled with flavor, laughter, and holiday cheer.
The team samples holiday drinks and snacks from around the world, reacting to surprising flavors, sharing personal favorites, and debating which traditions deserve a spot in future celebrations. Between sips, the conversation turns warm and nostalgic as each guest reflects on beloved holiday traditions, memorable family moments, and the stories that make the season meaningful.
With a fun mix of team camaraderie, cultural exploration, and heartfelt storytelling, this episode delivers a cozy, good-spirited celebration of what the holidays are all about—connection, tradition, and trying something new (even if it tastes a little unexpected).
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
- All financial advisors are entrepreneurs, whether they know it or not.
- Transitioning from commission-based to fee-based planning is crucial for adding value.
- The restaurant business can be seen as an art form, requiring creativity and passion.
- COVID-19 presented unique challenges but also opportunities for profitability in restaurants.
- Maintaining a strong company culture is essential when scaling a business.
- Delegation is key to managing multiple businesses effectively.
- Your calendar reflects your priorities; make time for what matters.
- A clear value proposition is vital for financial advisors.
- Building relationships is more important than digital presence.
- Success in business often comes from promoting from within rather than hiring externally.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
- The podcast aims to optimize the wellbeing of financial professionals.
- Justin Woodbury's journey into insurance began unexpectedly.
- FMOs can vary significantly in how they serve advisors.
- Seminars are a quick way to generate leads for advisors.
- The law of large numbers is crucial in seminar marketing.
- Podcasts serve as an indirect communication tool for advisors.
- A successful podcast requires a clear purpose and business plan.
- Virtual workshops have become more accepted post-2020.
- Engaging existing clients can uncover hidden business opportunities.
- Consistent follow-up is essential for client retention and growth.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
On this episode of the Optimized Advisor Podcast, host Scott Heinila speaks with industry veteran Dan Anderson who shares his journey from four decades in insurance distribution to co-founding Cornerstone Financing. Dan introduces Cheifs, a new financial tool designed to unlock home equity without debt, interest, or age restrictions. The conversation explores how this innovative product can support financial advisors and clients with smarter, more efficient planning strategies.
In this episode You'll Learn the Following:
- Dan’s background in building and selling insurance firms
- Introduction to Cheifs: a way to convert home equity into tax-free cash
- How it differs from reverse mortgages: no payments, no age limit, low fees
- Ideal clients: affluent homeowners with high equity
- Use cases: life insurance funding, estate planning, retirement cash flow
- Advisor access and states where Cheifs is currently available
Connect with Scott on LinkedIn
Connect with Dan on LinkedIn
For more on The Optimized Advisor Podcast click here
For more on Cornerstone Financing/Cheifs click here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Annie Dietrich in studio to dive deep into the world of social media for financial advisors, uncovering strategies to optimize your personal and professional presence in the digital realm. With insights on authentic storytelling, engagement-driven content, and the importance of a social media cadence, this conversation is perfect for advisors ready to elevate their brand and connect with their community.
Annie Dietrich is a seasoned Social Media Strategist and Founder of AC Social. With over 8 years of experience in the ever-evolving world of social media, Annie has established herself as a leading expert in helping businesses and entrepreneurs build their brand, grow their community, and drive sales.
As a Certified Meta Manager and Advertising Specialist, Annie has earned recognition for her expertise in social media campaign management and advertising. Through AC Social, Annie offers personalized social media coaching, strategy, and management services designed to help businesses and entrepreneurs build their brand, grow their community, and drive sales. Annie's mission is to empower her clients with the knowledge and tools they need to succeed in the ever-changing world of social media.
In this episode you will learn the following:
- Insights into the evolving landscape of social media, emphasizing the importance of authenticity and engagement in building a brand presence for financial advisors.
- Key strategies discussed include understanding competition for inspiration, creating a social media cadence, staying relevant with industry trends, crafting engagement-driven and shareable content, and leveraging authentic storytelling to build trust and credibility.
- The importance of video content and metrics, advising financial advisors to focus on engagement, shares, and watch time rather than likes or follower counts, to effectively harness social media for business growth.
Connect with Scott on LinkedIn
Connect with Annie on LinkedIn
For more on The Optimized Advisor Podcast click here
Follow us on LinkedIn
Follow us on Instagram
Follow us on Facebook
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Chris Fuller to the virtual studio for this week's episode! Scott and Chris discuss the role of Right Path Resources in optimizing team dynamics and leadership through behavioral assessments, especially for financial and insurance professionals, while emphasizing personal growth and intentional team development.
Chris Fuller, CSP is an award-winning international leadership speaker, author, and consultant with over 25 years of experience helping organizations build engaged leaders, high-performing teams, and inspired cultures. As President & CEO of RightPath Resources, Chris has expanded the firm’s impact – delivering proprietary behavioral tools and leadership development systems to clients across six continents—including several Fortune 500 companies, and 12 NFL teams.
A gifted storyteller and adventurer, Chris draws leadership lessons from both real-world business challenges and personal adventures, weaving practical insights with bold perspective. He is the author of Iditarod Leadership and InSPIRED Leadership, and holds the Certified Speaking Professional designation.
In this episode you will learn the following:
- How RightPath Resources' behavioral assessment tools help to optimize team dynamics and leadership development in organizations, including NFL teams and various industries.
- The importance of understanding individual wiring through assessments like RightPath to improve hiring processes, team interactions, and overall workplace efficiency, specifically targeting financial and insurance professionals.
- The significance of self-awareness and understanding team dynamics to avoid common issues in organizations, such as miscommunication and ineffective team performance, by using data-driven insights from behavioral assessments.
- Chris Fuller's books including "Iditarod Leadership" and "Inspired Leadership," which focus on leadership principles and team optimization, using storytelling to convey complex concepts.
Connect with Scott on LinkedIn
Connect with Chris on LinkedIn
For more on The Optimized Advisor Podcast click here
For more on RightPath Resources click here
Follow us on LinkedIn
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Ruth Raftery in the studio for a discussion about the importance of education in estate and tax planning, the role of financial advisors in collaborating with estate planning attorneys, and shares insights on effective tax planning strategies.
Ruth Raftery, JD, CPA, AEP® is a licensed attorney and a Certified Public Accountant with over 20 years of experience. As President and co-founder of Advanced Planning Educational Group (APEG), Ruth is responsible for creating and executing the design and strategic direction of APEG’s mission to support the needs of professionals who participate in the holistic planning process. In addition to her role with APEG, Ruth also serves as a Senior Advisor to AltaView Advisors, LLC a business valuation firm with offices in Orange County, San Francisco, Dallas, and New York, and is an instructor at Oakland University in Rochester, Michigan, where she teaches Income Tax in the post-graduate certification program.
Ruth has developed and taught various Estate, Gift, Trust, and Tax courses throughout her career. She is past President of the Estate Planning Council of New York City, past Chair of the Estate Planning Committee of the New York State Society of Certified Public Accountants and is an Accredited Estate Planner designee™ awarded by the National Association of Estate Planners and Councils. Ruth received her undergraduate degree in Accounting from the University of Scranton and her Law Degree from Temple University School of Law. She and her husband Brian live in Westfield, NJ. She and Brian have three college-aged daughters – Brigid, Megan, and Erin.
In this episode you will learn the following:
- The importance of building relationships with attorneys and accountants for financial advisors to effectively incorporate estate and tax planning into their practices.
- The critical role that financial advisors play in educating clients about estate planning without crossing into legal advice.
- Innovative strategies, such as leveraging Roth conversions not just for tax benefits, but also for strategic financial planning, such as funding life insurance policies.
- The unique dynamics of female advisor conferences and the importance of fostering intimate, supportive environments for women in the financial industry. Ruth shares insights into how these settings can encourage authenticity and collaboration, ultimately supporting the growth and success of female financial advisors.
Connect with Scott on LinkedIn
Connect with Ruth on LinkedIn
For more on The Optimized Advisor Podcast click here
For more on APEG click here
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**
This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Steve Prew to the virtual studio for this week’s episode where they discuss discussing the evolution of financial advising, the importance of lifelong learning, and how The American College is adapting its educational offerings to meet the changing needs of both advisors and the financial industry at large.
Steve Prew is the Vice President and National Sales Manager at The American College of Financial Services. In his current role, Steve leads a dynamic sales team focused on exploring, developing, and managing institutional relationships within both the insurance and investment sectors of the industry.
Before joining The American College, Steve held a variety of roles with increasing responsibility, including retail advisor, internal and external wholesaler, key accounts manager, and national sales manager. These experiences have provided him with a well-rounded understanding of the financial services landscape.
A U.S. Navy veteran, Steve holds a Bachelor’s degree in Finance and an MBA with a focus in Strategic Management from Regis University. He currently resides in Highlands Ranch, CO with his wife, Katie. In his free time, Steve enjoys outdoor activities such as golfing, cycling, and bowhunting.
In this episode you will learn the following:
- How The American College of Financial Services focuses on lifelong learning and the evolving landscape of financial services education.
- The importance of continuous education in financial services, emphasizing the American College's role in providing specialized designations like the Tax Planning Certified Professional and Wealth Management Certified Professional.
- The changing dynamics in the financial advisory industry, including the integration of insurance and investments, the recruitment of younger advisors, and the shift away from traditional four-year college degrees.
- The American College's innovative approaches to education delivery, such as their Personal Pathway model and Knowledge Hub, which offer interactive, accessible, and comprehensive learning experiences for financial professionals.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott was joined by Walter Young in the virtual studio for a discussion on retirement income strategies, focusing on Young's book "The Fifth Option," which explores innovative approaches to retirement planning that go beyond traditional methods, such as utilizing actuarial science and investments to create a predictable and efficient income stream.
Walter C. Young ,MBA, RICP, is a dynamic financial expert, national speaker, Industry panelist and Amazon best-selling author of The 5Th Option. Walter helps his audiences learn about the challenges retirees face in a modern economic environment and post pension society. His blend of stories, humor and financial planning theory keeps audiences entertained while learning the very latest academic research in retirement income planning. He earns rave reviews and guests often stay long after his presentation has ended to continue conversations.
With over 20 years of experience in the financial services industry, Walter has become a thought leader in economic-based financial planning theory, helping clients develop strategies to achieve their retirement goals.
Walter holds the prestigious Retirement Income Certified Professional (RICP) designation from the American College of Financial Services and a Master's in Business from Seattle University and is a member of the exclusive Forum 400.
In this episode you will learn the following:
- The "Fifth Option" in retirement planning, which challenges traditional financial planning strategies by integrating actuarial science and investments to recreate the stability once provided by pensions and Social Security.
- The shortcomings of the traditional three-legged stool of retirement (pension, Social Security, and personal savings) and emphasizes the importance of creating a sustainable cash flow strategy, especially in the absence of pensions.
- The "Beat the Bear" strategy, which involves using non-correlated assets like cash value life insurance to protect against market downturns, and the "Bucket Strategy," which segments assets into now, soon, and later buckets to manage risk and income flow over time.
- The need for individuals to rethink retirement planning by focusing on creating predictable, risk-managed income streams using innovative financial products and strategies, aiming for a more efficient and confident retirement experience.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Roger Cantu, Regional Sales Director at One America, in studio for a discussion on the importance of long-term care planning for the aging population, highlighting the financial and familial impacts of unaddressed chronic health care expenses and advocating for advisors to proactively include long-term care solutions in their client discussions.
Roger works with insurance professionals sharing his decades-long experience with One America’s Care Solutions plans. He provides case design strategies, proven sales presentation as well as marketing resources to grow and enhance an individual insurance business or a financial planning practice. For over 34 years, Roger has worked exclusively with the Care Solutions. 15 years under the original company Golden Rule Insurance, and the last 16 under OneAmerica. A resident of Plano, Texas, Roger is married with four adult children and six grandchildren.
In this episode you will learn the following:
- The "Silver Tsunami," referring to the wave of aging baby boomers and the significant long-term care needs they will soon face as they approach ages where such care becomes more common.
- The inadequacy of Medicare in covering long-term care expenses, which are significant and not commonly planned for by individuals.
- The importance of advisors actively discussing long-term care planning with clients is stressed, as many advisors currently avoid or inadequately address the issue.
- The challenges and opportunities presented by state-level initiatives, such as the Washington state law mandating long-term care coverage, which could influence broader adoption of long-term care insurance and planning.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Travis Ivanoff to the studio along with Nick Bernatowicz for a discussion on seminar marketing and Ivanoff Advisors.
Travis has been licensed in the insurance industry for over 16 years. Following in his father’s footsteps, Travis grew up in the retirement planning industry learning his father's best practices. These years proved to him the importance of client relationships.
Travis believes in taking the time to make sure his clients understand the investment subjects before them and which options provide the best fit for their retirement plan. His investment philosophy stresses that it’s not what you make, but what you keep, promoting a safety-first approach with various strategies for growth. Travis founded Ivanoff Wealth Management Inc. to provide clients with a deeper understanding of investment strategies.
Travis resides in Cypress, California with his wife and three daughters. He is the vice president and development director for Pacific Coast Youth Foundation, a nonprofit for at-risk youth in Orange County that began as a memorial to his cousin Ernie. In his free time Travis enjoys snowboarding, surfing, camping, fishing, and golfing.
In this episode you will learn the following:
- Travis’s background and the evolution of his family's advisory practice.
- The importance of consistency and adaptability in conducting successful seminars for client acquisition.
- Long-term care planning is a critical component of holistic financial advising.
- The importance of time management, hiring strategically to scale a business, and balancing professional success with personal life priorities.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Blayne Andersen in studio for a discussion his firm's expansion and strategic approach to financial planning, tax-smart investment strategies, and client relations across multiple states, emphasizing the importance of technology and collaboration with CPAs.
Blayne Andersen, CFP® is the President and Chief Investment Officer of Bander Wealth Management and a Registered Financial Advisor with the NFLPA. With well over a decade of experience in capital markets, he has experience offering best in-class securities and advanced retirement planning strategies to include alternative investments such as real estate, oil and gas, along with structured notes, private equity and venture placements. His commitment to help clients achieve generational-changing wealth is only matched by his fiduciary responsibilities of operating with uncompromising integrity and fidelity to do what is best for our clients and their families.
In this episode you will learn the following:
- Strategic Growth Through Acquisitions and Partnerships
- Emphasis on Client-Centric Communication
- Operational Efficiency and Technology Utilization
- Balancing Professional and Personal Life
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Nick Bernatowicz in studio to discuss finances, annuities, and wellness.
Nick started his insurance career in 2015, dedicating his time to assisting insurance and Financial Advisors and their Clients within the three facets of Protective Portfolio Planning – annuities, life insurance, and long-term care insurance. Nick took his passion for coaching and transitioned it from the fitness world to the insurance and financial world, quickly becoming a resource for advisors throughout the country.
Nick is currently an Insurance Planning Director at Optimized Insurance Planning, a wholesale insurance planning and marketing organization. Over the 8+ years of experience in the industry, Nick has become an expert in Long-Term Care planning, portfolio distribution and protection strategies, as well as legacy planning. Nick has a passion for partnering directly with Financial Professionals and providing them with direct, back-office support to help plan, protect, and enhance their practices. Nick is an active member of the Financial Planning Association (FPA). He maintains the RICP (Retirement Income Certified Professional) designation through the American College and the CLTC (Certification for Long-Term Care) designation.
Nick is very active; exercise and wellness are a big part of his day. In his free time, he enjoys golfing, wine tasting, and spending time with his wife, Britne, and daughter, Kylie. Nick currently lives in Texas.
In this episode you will learn the following:
- Key industry trends: strong performance of annuities, particularly due to favorable interest rates, and the importance of guaranteed renewal rates in providing client security.
- The opportunity for replacing older life insurance and annuity contracts to provide better benefits, such as enhanced long-term care and guaranteed income solutions.
- Maintaining fitness routines through colder months, recommending consistent exercise.
- Optimal pre- and post-workout nutrition.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott Heinila welcomed Sean Humeston to the studio to discuss Sean's unconventional journey from a punk rock band musician to a successful career in the insurance industry. The conversation highlights Sean's innovative approach to marketing annuities, including leveraging newspaper ads and community papers, as well as his experiences with seminars and events.
Sean Humeston was born and raised in Orange County, California where he began his career as a musician in a rock band in 1996 through 2003. During that time, he completed 14 national tours and played in several groups sharing his talents. Sean played bass guitar in these bands, but more importantly he played a huge role in the financial success of these groups. From budgeting to promotion, he developed a passion for finance. Sean then decided to make a shift in his trade and became a licensed retirement planner in 2001, where he specialized in working with school teachers. In 2008, he started Shoreline Financial Services LLC. After 23 years in the financial industry, his areas of expertise have now broadened to include estate and retirement planning, personal budgeting, wealth transfer as well as insurance and income planning. Sean is a proud member of the Better Business Bureau, National Ethics Association and the Institute of Financial Wellness.
Sean now resides in Queen Creek, Arizona. Outside of the office, he loves traveling and spending time with his wife and children. He still has maintained his passion for music over the years and actively plays the piano, guitar and bass.
In this episode you will learn the following:
- How Sean transitioned from being a bass player in a punk rock band to being a financial advisor.
- The Shoreline Financial success story
- The short-term annuity business model to continually engage with clients
- Advertising in the right markets through newspapers and client seminars creates success.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
In this episode, Scott Heinila welcomed Michael Stapleton in studio for a discussion about AI and insuretech. Michael is the CEO & Co-Founder of Leopard, an AI-powered B2B insurtech startup that helps life & annuities distributors identify revenue opportunities in their existing books of business. Prior to Leopard, Michael was VP & General Manager at Policygenius, overseeing the company's B2B offering. He spent time as a management consultant at L.E.K. Consulting and earlier in his career served in B2B SaaS head of marketing roles. Michael holds a BA from Reed College, an MBA from HEC Paris, and a Master’s of Advancement Management from Yale.
In this episode you will learn the following:
- What Leopard is and how it helps optimize revenue opportunities for life and annuity distributors.
- Michael shares his career journey, highlighting his various educational and professional experiences, including his time at PolicyGenius, where he was involved in B2B offerings and strategy. He discusses how these experiences led to the founding of Leopard.
- Inefficiencies in the insurance industry, particularly in managing existing policies and identifying client opportunities. Leopard seeks to address these issues by using AI to streamline data organization, policy management, and client engagement, offering a more efficient process for advisors.
- The broader implications of AI in the financial industry, emphasizing its potential to improve efficiency and free up advisors' time for higher-value activities. Michael outlines his vision for Leopard's future, aiming to create a comprehensive data and automation ecosystem that benefits all stakeholders in the life and annuities distribution process.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott was joined in studio by Katelyn Kucharo, Founder & CEO of The Admin Effect. They discuss how The Admin Effect optimizes financial advisors and insurance professionals' practices. Katelyn Kucharo is the founder of The Admin Effect™, a company dedicated to empowering operations professionals in the financial services industry. With a background in competitive gymnastics and coaching, Katelyn's passion for uplifting others has been a driving force throughout her career. She began her professional journey working for a large insurance marketing organization, where she gained extensive experience in various roles, including contracting and licensing, new business case management, and sales. May 23, 2020, changed Katelyn’s life forever. Her best friend since birth, Sara, passed away at the age of 30 from cancer. Sara’s passing gave Katelyn the courage to leave the corporate world to launch The Admin Effect™. Katelyn’s desire to provide operational support to top financial advisors, her deep industry knowledge, and dedication to empower others, created the foundation for her company. Katelyn resides on beautiful Lake Norman in Cornelius, NC, and enjoys boating, traveling, wine, and fine dining.
In this episode you will learn the following:
- The Admin Effect began by offering virtual administrative services to advisors and quickly expanded through word of mouth, highlighting a demand for outsourced operational support in the financial sector.
- The company offers training and process improvement to advisors' teams, emphasizing the importance of understanding complex applications and improving efficiency within advisor offices.
- Kaitlyn shares personal motivations for founding The Admin Effect, driven by a desire to create positive work environments and help advisors optimize their operations.
- The Admin Effect is expanding its services to consult with insurance carriers, aiming to connect industry dots and improve processes from an advisor's perspective.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott was joined by Dr. Naomi Win virtually for a discussion on behavioral finance and how psychology plays into financial decision making. Dr. Win draws on clinical practice and current research to clarify the psychological factors that shape decision-making. By mapping the cognitive and emotional drivers that define financial behaviors, she upskills those seeking adaptive strategies to enhance well-being and wealth.
In this episode you will learn the following:
1. The importance of understanding clients' emotional responses to financial matters.
2. The role of ego in financial advising.
3. Intolerance of Uncertainty
4. Ways for advisors to enhance their empathy and communication skills.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott was joined by Brad Shepard for a virtual episode about Long-Term Care. Fall and the Holidays will be here before you know it and November is LTC Awareness Month.
For the past 24 years, Brad has enjoyed an area of focus in selling, training and marketing Long-Term Care and Linked Benefit solutions. His current role, Regional Sales Director, with OneAmerica is to help distribution partners, advisors and agents develop and grow their Long-Term Care Planning business through extensive business planning, marketing, training and support. He has also been a speaker, on the topic of Long-Term Care Planning, at hundreds of educational seminars, workshops and webinars across the country.
Brad is a Pennsylvania native and a graduate of the University of Pittsburgh. He resides in New Bloomfield, PA with his wife, Denise, son Logan, and daughter Linsay.
In this episode you will learn the following:
- LTC Awareness: November is LTC Awareness Month, not to be confused with Long-Term Care Insurance Awareness Month. The focus is on planning and awareness of long-term care needs, especially relevant during family gatherings in the holiday season.
- Pension Protection Act (PPA): The PPA, effective since January 1, 2010, allows for the tax-free distribution of gains from non-qualified annuities if used for long-term care expenses. Despite its benefits, it remains relatively unknown among financial professionals.
- Tax Benefits and Plan Design: The PPA allows for tax-deferred gains within non-qualified annuities to be used tax-free for LTC. This involves a 1035 exchange to a PPA compliant annuity, potentially doubling or tripling the annuity value for LTC benefits, providing significant financial leverage.
- Client Examples and Practical Applications: The discussion includes real-life examples and practical advice for advisors on how to leverage non-qualified annuities for LTC planning, emphasizing the importance of educating clients about these tax advantages.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott Heinila welcomed Jason Labrum back to the studio for a discussion on Intelligence Driven Advisers (IDA) holistic and integrated approach to financial planning, which includes in-house CPAs for tax planning, the complexities of annuities, and they share their personal philosophies and lifestyle choices that contribute to a fulfilling life.
Jason has been helping individuals, families, and businesses with comprehensive financial planning, portfolio management, and business retirement plans since 1998. Jason founded Intelligence Driven Advisers (IDA), in 2009 after spending 12 years with two major Wall Street brokerage firms. Jason has been active in his community serving on the Board of Directors at the Boys & Girls Clubs of Carlsbad and Daybreak Community Church. In 2015 he launched Financial Detox®, a consumer advocacy brand with the mission of delivering transparent and simple financial education to the masses. Jason is the author of Financial Detox® published in 2018 as well as a radio show and podcast which can be accessed on any podcast medium. Jason has contributed to the following publications; Fox Business, CNBC, Forbes, Newsmax Finance, and Investor’s Business Daily. When not pursuing his professional endeavors, Jason spends time with his family and enjoys everything active and outdoors.
In this episode you will learn the following:
- IDA’s philosophy on financial planning
- Navigating Annuities: Skepticism, Benefits, Rates, Renewals
- The importance of Financial Advisors to prioritize the client’s best interests.
- Jason & Scott’s thoughts on well-being, time optimization, balancing work and life, quality relationships and more.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott invited David Buck to join the virtual studio for the latest episode to discuss David’s philosophy on time management, emphasizing the proactive nature of "time optimization" over the reactive concept of "time management."
In 35+ years of business development, David developed a strong awareness of what it took for people to be productive and efficient, not just busy. He also personally sought to gain a balance of having a successful career along with the ability to pursue a meaningful personal life.
That led David to start Kairos Management Solutions, and then the Infinity Lifestyle Design program, focusing all his attention to guide business professionals who struggle with a lack of flexibility in their life to gain more quality personal time. Dave helps his clients craft a strategy around their current management of time, and then define a lifestyle of intention, ease, and joy.
In April 2024, David will release his first book called, The Time Optimized Life. The book reframes the reactive nature of time management and replaces it with a proactive method of time optimization.
In this episode you will learn the following:
- David Buck's Background
- Time Management Philosophy
- Client and Advisor Work
- Practical Tools and Book Buck's book, "The Time Optimized Life,"
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Download and work through the Life Purpose Statement click here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Jay Rosencrance, RICP, WMCPin studio for a discussion on annuities and the history of Athene. Jay is the VP/Relationship Manager at Athene.
Jay the VP/Relationship Manager for Athene covering accounts across the country. He has spent bulk of his 32 year career involved in retirement income planning. Prior to Athene, he worked at Genworth Financial as VP, Sports and Entertainment, where he worked on post career income planning for professional athletes. Before that, he was a Master Black Belt at GE Transportation Systems. He finds that wherever he has worked, he bring three key strengths to the table: strong interpersonal skills (team player), detail oriented with strong analytical and problem solving skills, and the ability to succeed through a strong work ethic. When not working, he loves to spend time with his wife of 32 years (Amy), and their 2 children (Sean - 25, and Erin - 22). He also enjoy running, and has completed 10 marathons.
In the episode, you will learn the following:
- The Athene story – Innovative products, distribution channels
- Athene's technological advancements, such as e-applications and index strategy presets, which streamline processes and benefit consumers.
- Planning strategies like partial Roth conversions, emphasizing tax benefits and the mechanics of recharacterizing traditional IRAs into Roth IRAs within Athene products.
- Athene Connect is a valuable resource for advisors, offering tools, webinars, and sales kits to enhance their practice and better serve clients.
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Disclosures:
Guarantees provided by annuities are subject to the financial strength and claims paying ability of the issuing insurance company.
Any information regarding taxation contained herein is based on our understanding of current tax law, which is subject to change
and differing interpretations. This information should not be relied on as tax, legal or financial advice and cannot be used by any taxpayer for the purposes of avoiding penalties under the Internal Revenue Code. We recommend that taxpayers consult with their tax or legal professionals for applicability to their personal circumstances. Under current tax law, the Internal Revenue Code already provides tax deferral to qualified money, so there is no additional tax benefit obtained by funding a qualified contract, such as an IRA, with an annuity; consider the other benefits provided by an annuity, such as lifetime income and a Death Benefit.
Required Minimum Distribution as defined by Internal Revenue Code Section 401(a)(9).
A diversified allocation does not ensure positive interest credits in any given year.
**
This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Brian Ott to the studio along with Nick Bernatowicz to discuss the importance and intricacies of long-term care (LTC) planning.
Brian Ott, RICP, CLTC, is founder and president of 525 Advisors LLC, an independent insurance agency that specializes in asset-based long-term care insurance planning. He is also the host of Long-Term Care Radio which is aired in multiple markets and produced as a weekly podcast. Brian has been recognized nationally as a top producer and continues to build his practice through marketing focused on education.
In this episode you’ll learn the following:
- Specialization in Financial Services: The conversation highlights the value of specialization in financial advising, comparing the resurgence of specialized shops like butchers and cheese stores to the need for specialized financial services.
- Challenges with Long-term Care Insurance (LTCI): LTCI is often avoided due to its complexity and the reluctance of advisors to have personal, emotionally charged conversations. The history and evolution of LTCI from the 1970s to now were discussed.
- Affluent Clients & LTCI: The discussion explores why affluent clients, often overlooked for LTCI, actually benefit from it due to leverage, tax savings, and efficient asset management. The concept of "asset-based" LTCI is emphasized as a better self-insurance method.
- Education and Awareness: Brian Ott stresses the importance of educating both advisors and clients about LTCI, noting that personal experiences with long-term care often drive interest and understanding of its value.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
In this episode, Scott welcomed Paul Garofoli to the studio to discuss annuities. Paul Garofoli, Annuity Regional Sales Director for the Standard, has a 40-year career touching upon all aspects of our industry, especially independent distribution. Nicknamed the “Annuity King,” his enthusiasm is legendary. A nationally recognized speaker, Paul is known for his entertaining presentations.
Most recently, Paul was the recipient of the NAILBA ID 20 Award, honoring a diverse group of insurance professionals who are the most fascinating trailblazers, change-makers or architects shaping the future of independent distribution.
- Annuity Market Dynamics: Paul highlights the recent surge in the annuity market due to rising interest rates and increased acceptance of annuities as a valuable asset class by various financial institutions and the general public.
- The Standard's Offerings: The Standard provides diversified financial products including group insurance, disability insurance, retirement plans, and annuities. Notably, they offer annuities up to age 93 and are Medicaid-friendly with unique features for elder care.
- Enhanced Choice Index Plus: This new product suite includes multiple S&P 500-based indices and a proprietary index, offering competitive rates and a unique death benefit rider (Legacy Max) that compounds at 6%, providing substantial legacy benefits.
- Consumer-Centric Features: The Standard's annuities come with consumer-friendly options like full account value upon death, spousal continuation benefits, and options for beneficiaries to manage the death benefit in a tax-efficient manner.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Part 2 with Lara Galloway:
In this episode Scott was joined by Lara Galloway virtually to discuss building trust and emotional connection in the seminar marketing world. At the time of recording, Lara was the SVP of Channel Management at White Glove, where she leveraged her expertise in Business Development, Marketing, Product and Sales to build enterprise partnerships that offer financial advisors lead-generating workshops and nurturing programs to keep them in front of their clients and prospects. Now, Lara is the Chief Marketing Officer at Goldstone Financial Group.
Her entrepreneurial background and 12-year tenure running her own coaching firm, where she provided advice and consulting to small business owners, make her a valuable coach to White Glove's employees and clients. In her free time, Lara enjoys baking, craft beer, hiking with her husband and kids and spending time with her dog, Tuck.
In this episode you will learn the following:
- The significance of connecting with clients on an emotional level, understanding their needs, and building trust through education and rapport.
- Best practices for both physical and digital workshops, highlighting the value of engaging the audience, asking questions, and using polls to foster interaction.
- The upcoming wealth transfer from boomers to Gen X and women, emphasizing the need for advisors to adapt their approach to connect with these demographics.
- The role of ongoing communication, such as drip campaigns and social media content, in nurturing client relationships and staying top of mind.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
In this episode Scott was joined by Lara Galloway, virtually, to discuss seminar marketing and estate planning. At the time of recording, Lara was the SVP of Channel Management at White Glove, where she leverages her expertise in Business Development, Marketing, Product and Sales to build enterprise partnerships that offer financial advisors lead-generating workshops and nurturing programs to keep them in front of their clients and prospects. Since the recording, Lara changed jobs and is now the Chief Marketing Officer at Goldstone Financial Group.
Lara's entrepreneurial background and 12-year tenure running her own coaching firm, where she provided advice and consulting to small business owners, make her a valuable coach to White Glove's employees and clients. In her free time, Lara enjoys baking, craft beer, hiking with her husband and kids and spending time with her dog, Tuck.
In this episode you will learn the following:
- The importance of humanizing marketing efforts, whether in-person or virtual, and provide tips for success in both formats.
- Success metrics for seminar marketing are discussed, emphasizing the need for realistic expectations and continuous improvement.
- The scalability of workshops through automation and the importance of effective follow-up to convert leads.
- Dive Into White Glove's resources, such as coaching, webinars, and the Fast Podcast, to enhance seminar marketing strategies and grow one's business effectively.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed back Anthony Nizzi to the podcast studio to discuss behavioral finance.
The conversation delved into various biases that can impact decision-making in financial planning and highlighted the importance of understanding these biases to better serve our clients.
In this episode you will learn the following:
- Biases such as anchor bias, ambiguity aversion, myopic loss aversion, and herding bias, and explain how these biases influence decision-making in investments.
- Anthony shares examples and stories to illustrate these biases, emphasizing the importance of working with a financial advisor to make rational decisions based on long-term goals.
- He recommends "The Behavioral Investor" book and highlights his accreditation as a behavioral finance professional from the College for Financial Planning.
- Anthony provides his contact information for further inquiries and encourages listeners to subscribe, like, share, and leave feedback on the podcast.
Anthony is responsible for developing and executing sales strategies with Guaranty’s key partners as well as crafting simplified sales concepts for our financial representatives. In 2022 Anthony earned his Accredited Behavioral Finance Professional Designation from the College for Financial Planning. This unique program is devoted to understanding the nature and role psychological biases and emotions play in the decision-making process in an uncertain environment. Through this program Anthony has learned how to help financial advisors recognize these behaviors in themselves and their clients and provide solutions to mitigate client financial behaviors. Anthony earned his bachelor’s degree in Business Administration from AIB College of Business, holds FINRA Series 6, 63, and 26 licenses as well as Iowa Life & Health Insurance Licenses.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Podcast collaboration episode with The Zandbergen Report:
Host Bart Zandbergen was joined in the podcast studio by Scott Heinila to discuss the art and power of discipline. The duo discussed how discipline plays a factor in their personal and professional lives as they navigate business, relationships, family matters, fitness and beyond. They began by unpacking people’s willingness to, “Do what others won’t do, to be or have what others won’t have,” and how a powerful motivating factor plays into the matter. Whether you are looking to rewrite your story, or design the chapter of your life called 2024, this episode will inspire you to take action to achieve the goals you plan to set for yourself by channeling discipline.
In this episode you will learn the following:
- How consistency and persistency support discipline.
- Why your motivating factor has to be strong enough to carry your through plateaus.
- How to avoid getting lost in a cycle called “the case of the Mondays.”
- Why nutrition and fitness go hand in hand and one without the other works against your fitness goals.
- How to prioritize effectively to create sustainable routines and processes.
- What smart steps are to devote yourself to the big picture so you can work progressively towards your goals.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott was joined in the virtual podcast studio by Dwight Eberts, founder of Coaching 122, to discuss how small business owners and executives gain clarity, confidence, and control over their decisions to live a more fulfilling life.
Dwight Eberts is a dynamic and passionate speaker on the power of transformation. Following a successful 20-year career in business as a partner of a large insurance marketing organization, Dwight founded Coaching 122, where he now leverages his insights to help business owners and leaders juggle both the personal and professional demands they face every day.
His mission is to empower others to develop themselves to better serve their loved ones, teammates, and clients. His commitment to helping individuals thrive both personally and professionally has become the cornerstone of his career. Dwight is passionate and focused to making a lasting impact in the lives of those he speaks to and coaches.
In this episode you will learn the following:
- The concept of freedom of time and the importance of making the right choices in how time is spent.
- The discussion emphasizes the need for clarity around priorities and making better decisions to optimize time and achieve a more fulfilling life.
- The value of coaching, the significance of accountability in achieving goals, and the benefits of working on personal and professional development.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Anthony Nizzi in the studio for a little shop talk. Anthony Nizzi is the Director of Sales Development at Guaranty Income Life Insurance Company. They dive into the simplicity, transparency, and varying options within Guarantee Income Life's product suite, catering to different client needs and ages.
Anthony is responsible for developing and executing sales strategies with Guaranty’s key partners as well as crafting simplified sales concepts for our financial representatives. In 2022 Anthony earned his Accredited Behavioral Finance Professional Designation from the College for Financial Planning. This unique program is devoted to understanding the nature and role psychological biases and emotions play in the decision-making process in an uncertain environment. Through this program Anthony has learned how to help financial advisors recognize these behaviors in themselves and their clients and provide solutions to mitigate client financial behaviors. Anthony earned his bachelor’s degree in Business Administration from AIB College of Business, holds FINRA Series 6, 63, and 26 licenses as well as Iowa Life & Health Insurance Licenses.
In this episode you will learn the following:
- S&P 500 Fixed Index Annuity (FIA)
- Wealth Choice Series by Guarantee Income Life
- Guaranteed Rate Lock Annuity
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott welcomed Brad Shepard back to the Optimized Advisor studio for a third time to discuss the emphasis on creating an emotional connection, engaging in meaningful conversations, utilizing probing questions to explore clients' thoughts, and initiating discussions on long-term care planning to address clients' concerns effectively.
For the past 24 years, Brad has enjoyed an area of focus in selling, training and marketing Long-Term Care and Linked Benefit solutions. His current role, Regional Sales Director, with OneAmerica is to help distribution partners, advisors and agents develop and grow their Long Term Care Planning business through extensive business planning, marketing, training and support. He has also been a speaker, on the topic of Long-Term Care Planning, at hundreds of educational seminars, workshops and webinars across the country.
Brad is a Pennsylvania native and a graduate of the University of Pittsburgh. He resides in New Bloomfield, PA with his wife, Denise, son Logan, and daughter Linsay.
In this episode you will learn the following:
- How to effectively ask open-ended questions as an Advisor discussing long-term care planning solutions with clients
- Avoid discussing numbers and financial aspects of long-term care
- How to optimize client relations and personal experience to create an open dialogue for long-term care planning
Listen to our previous episode with Brad:
Ep. 2 -The Single Largest Unfunded Risk Facing Retirees
Ep. 75 - Home for the Holidays, LTC Awareness with Brad Shepard and Brian Ott
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
**
This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott was invited as a guest to be on The Zandbergen Report’s 6th annual Holiday Wine Pairing Podcast episode with host, Bart Zandbergen.
Host Bart Zandbergen was joined in the podcast studio by co-host Letitia Berbaum, Paula Steurer of Sterling Public Relations, Scott Heinila of Producers Choice Network, and featured guest Landon Patterson, CEO of Hundred Acre. Landon shared tasting insights, pairing notes and little-known facts about the distinctive wines he chose to feature on the episode, while the show’s guests also reviewed several wines from Copper Cane. Special thanks to Devon Ulrich, National Account Vice President, of Copper Cane Wines & Provisions for supporting this year’s podcast episode alongside Hundred Acre. Happy Holidays!
Featured wines in the 2023 edition of the Annual Holiday Wine Podcast include:
- Senza Freni by Paul Lato 2021 Tocai Friulano
- Napa Valley Quilt 2021 Fumé Blanc
- Belle Glos Oeil de Perdrix Pinot Noir Blanc
- Summer Dreams Twilight Pinot Noir 2021
- Belle Glos Pinot Noir Las Alturas
- La Vieux Donjon Chateauneuf Du Pape
- Napa Valley Quilt Cabernet Sauvignon
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
**
This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott was joined in studio in Boston, courtesy of Bill Bonk, by today’s guest Jason Cillo. Jason shared his journey, trials and tribulations and how he defines success today.
Jason Cillo is a holistic financial advisor and tax accountant from Milford, NH. He was born and raised in Milford and today owns two practices there, 21st Century Financial Group and Cillo Tax Services. Being a holistic financial advisor means his approach to financial/retirement planning for his clients’ is about looking at every aspect of one’s financial environment and then arranging those aspects to come together to create a personalized, tailored plan to achieve their goals and dreams. With over 15 years’ experience in the financial and tax industries he believes Social Security strategy, pension planning, income planning, investment planning, long term care planning, tax strategy/planning and legacy planning are all interconnected pieces of the puzzle that create one’s financial/retirement plans and how these puzzle pieces are arranged as a whole is what creates a holistic plan to meet his client’s financial goals. One wrong move could negatively affect the rest of the pieces. Jason holds a Bachelor’s of Science degree from the University of NH, a CRPC (Chartered Retirement Planning Counselor) designation from the College of Financial Planning, and is a published author of the co-authored book, 21st Century Retirement Rescue. As a fiduciary, Jason is always acting in the best interest of his clients at all times and finds great passion in helping people achieve their life -long goals and fulfill their retirement dreams.
In this episode you will learn the following:
- How Jason battled cancer and how it helped change his outlook on life
- Jason’s journey in financial services
- Jason’s book, “21st Century Retirement Rescue”
- Roth Conversions
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
**
This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott was a guest on The Zandbergen Report Podcast with CFP, Bart Zandbergen to discuss long-Term Care benefits, considerations, and possible changes. California is considering a statewide Long-Term Care Insurance program that is also known as AB 567. If passed, this bill would require residents to pay an increased income tax of 0.40% to 0.60% to cover the cost of state-funded long-term care program. In this episode, the duo discusses the importance of being informed so that each person and their families can make the right choices for their individual needs related to their long-term care options.
In this episode you will learn the following:
- What Long-Term Care is, what it consists of, and what various types are available
- Possible changes coming with the proposed Long-Term Care Assembly Bill
- What tax implications should be considered
- What the state mandates would mean for California residents
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
**
This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
Scott was joined in studio by Dr. Morgan Cutlip and Bart Zandbergen for a collaborative episode. Both Dr. Morgan Cutlip and Bart Zandbergen have been guests on the Optimized Advisor Podcast multiple times.
Dr. Morgan Cutlip, PhD in Psychology and highly sought after relationship expert, knows what it feels like to lose yourself in motherhood, and she’s determined to help mothers navigate it better. Throughout her career, she has helped hundreds of thousands of people worldwide learn how to form and maintain healthy relationships. Dr. Morgan has been a featured relationship expert with Good Morning America, Teen Vogue, The New York Times, Women’s Health Magazine, MOPS International, Loveology, and Flo, the #1 app in health and fitness. Her new book, Love Your Kids Without Losing Yourself, is available now!
In this episode you will learn the following:
- Dr. Morgan’s book writing journey
- Tangible tools to take care of yourself emotionally
- How to overcome burnout and optimize your relationship with your partner for a better family dynamic
Listen to our previous episodes with Dr. Morgan Cutlip:
Ep. 048 - Being Intentional With Your Relationships Part II with Dr. Morgan Cutlip
Ep. 008 - Being Intentional With Your Relationships with Dr. Morgan Cutlip
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
**
This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com
Optimized Insurance Planning
On this week’s episode Scott was joined virtually by Todd Kelly & Andy Hickman, Co-Founders of Cumulus College Quest, the college planning partners for Financial Professionals. About our guests...
Todd M. Kelly is known nationwide as a leading authority in the area of college planning. In addition, Todd co-wrote and developed a curriculum for and trained thousands of financial professionals on how properly assist their clients through the complex maze that is college planning. He has also co-created numerous programs and owns several college planning companies designed to assist both families and advisors. Along with his business partner, Andy Hickman, Todd has also co-written The College Planning Parachute, an Insider’s Guide to developing an effective college selection and college funding plan.
Steeped in College Planning for more than 20 years, Andy Hickman is a licensed advisor with a practice that grew almost exclusively as a result of his college planning expertise. Andy co-authored (with his business partner, Todd Kelly) “The College Planning Parachute” (available on Amazon), co-created more than 1000 hours of college planning specific advisor training and has given hundreds of presentations to schools, organizations, and corporations on the topic of college planning. He’s also been quoted or has been a guest on numerous radio programs, newspapers, and magazines on various aspects of college.
In this episode you will learn the following:
- College Planning optimization as a Financial Professional
- The different types of financing for college
- How to request more scholarship opportunities from universities
- Various investment strategies to help client’s save for their children’s future college tuition
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
On this week’s episode Scott was joined by Ryan George, CMO of Docupace; the leading cloud-based fintech platform that simplifies how financial services and wealth management firms process and digitize data. Ryanhas 15+ years of marketing and communications experience in the financial services industry. Before joining Docupace, he served as the Assistant VP, Marketing and Communications at 1st Global, a software solutions provider for CPA firms, where he spearheaded lead gen efforts and contributed to double-digit revenue growth.
He has also held marketing leadership positions at specialized asset managers – GuideStone Capital Management, based in Dallas, and U.S. Global Investors in San Antonio.
In addition to being a finalist for the WealthManagement.com broker-dealer Chief Marketing Officer of the Year award in 2019, Ryan was also a finalist for the 2022 ThinkAdvisor LUMINARIES.
He is a former chair of the Financial Services Institute Marketing Growth and Development Council, composed of top-level sales, marketing, and business development executives from across the industry and a member of the Forbes Communications Council, an invitation-only, fee-based organization of senior-level communications and public relations executives.
In this episode you will learn the following:
- All about Docupace and how it helps advisors optimize their practice
- Fintech/wealth management tech trends: What's worth paying attention to, and what isn’t
- How AI comes into play to analyze data
- The back-office revolution in wealth management: Why enhancing how the work is done is improving the client experience
- Unlocking growth: The future of financial advice and how technology will change the financial services industry in the coming years
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Scott invited Judy Hoberman in the studio for a discussion about her journey, her books, and her mission of helping women succeed. Judy Hoberman is President of Judy Hoberman and Associates, a company focused on empowering professional women. She is an international speaker, trainer, executive coach, author, radio show host and mentor. Her 30 years in business has given her both knowledge and a sense of humor about how men and women lead, sell, manage and recruit differently. She will enlighten you and help you learn how both genders can support each other’s successes in a more productive way. Her experience in sales and leadership has helped her clients realize the importance of building relationships, standing out and being the authority in their market.
Judy also works with companies supporting their diversity and women’s initiatives in the areas of sales, leadership, recruiting, training, coaching, mentoring and retention. In her role as an executive coach and trainer, she is often described as “transformational.”
Judy is the host of “Selling in a Skirt with Judy Hoberman” podcast and has been “The Gender Expert” on Fox News Radio. She has appeared on CNN Headlines, ABC, CBS, CW33 and Good Morning Texas, contributes articles to multiple publications and journals, and appeared on the cover of Exceptional People Magazine.
In this episode you will learn the following:
- How Judy navigated working in a male-dominated industry and succeeded at it
- The two books she authored, Selling In A Skirt and Walking On The Glass Floor
- Having passion for what you do and how to manifest and create the feature you want
- Leadership and communication and how they go hand in hand
- Her mission: To help one woman a day by following an important philosophy- “Women want to be treated equally, not identically ®”
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
On this week’s episode, Scott was joined by Robert Kirk for a discussion on data. Robert is a seasoned financial industry expert with over 30 years of experience, serves as the Founder and CEO of InterGen Data, Inc., a company revolutionizing the banking, financial services, insurance, and home healthcare industries through the adoption of its proprietary and patent-pending Life Stage/Life Event prediction and analysis data. With an impressive track record in leadership roles such as Chief Information Officer at 1st Global Research & Consulting and Principal Consultant at Mphasis (a Blackstone Company), Rob has consistently demonstrated his ability to drive innovation, streamline operations, and foster strategic partnerships. As a visionary with a strong background in technology, data, and wealth management, Rob has led transformative initiatives at companies like Penson Financial Services and Southwest Securities, Inc. His extensive experience and proven expertise in wealth management, financial services, and clearance and settlement make him the driving force behind InterGen Data's disruption of the financial industry.
In this episode you will learn the following:
- How and why Robert started InterGen Data
- How to utilize data in financial and insurance planning
- The explosion of AI and how it helps to analyze data to determine what’s relevant
- How insurance companies are utilizing data for client policy predictions
- How do you help clients effectively plan for their finances, healthcare, or insurance needs? By showing them the future.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
On this week’s episode, Scott welcomed back Andrew Martz to the studio. As a New York native with offices located in Los Angeles, Denver, and Dallas, Andrew’s client base spans the country. His client roster ranges from busy executives, entrepreneurs, and professionals in the sports and entertainment industries. Andrew is the co-host of the “Dollars & Sensibilities” podcast show where he shares his expertise with listeners around the numbers, concepts, and behaviors that can shape a person’s financial life.
In this episode you will learn the following:
- How Andrew co-wrote a book, More Than Money with a group of like-minded Financial Advisors
- Social Media FinFluencers and why their advice may not be the best strategy
- The future of the financial advisor industry
- Andrew’s business optimization strategies
Listen to our previous episode with Andrew: Ep. 22 - Learn from An Optimized Advisor: Andrew Martz, WIS Advisors
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
On this week’s episode, Scott was joined in the virtual studio by Larry Sprung, Founder and Wealth Advisor of Mitlin Financial. In addition, Larry is the author of Financial Planning Made Personal and Host of the Mitlin Money Mindset Podcast. Larry founded Mitlin Financial, Inc., in 2004 with a focus on prioritizing the families we serve. The Mitlin team consistently helps those families make healthy financial decisions and offer a tremendous experience that leverages personalized service with today’s top tools and technology.
In this episode you will learn the following:
- Larry’s background – his how and why for starting Mitlin Financial
- The importance of having Core Values to optimize your business and life
- How Larry wrote his book, Financial Planning Made Personal and his podcast, the Mitlin Money Mindset are resources for his clients
- Larry shares a personal story on mental health and how is an advocate for mental health optimization
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To purchase and learn more aboutFinancial Planning Made Personal click here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott welcomed Annie Dietrich of AC Social Designs back in studio to discuss the latest social media trends and AI. Annie is the Founder of AC Social Designs, a social media marketing and content strategy firm empowering businesses and creators with killer social strategies and captivating content.
In this episode you will learn the following:
- How to optimize your social media strategy utilizing AI tools
- The latest trends in the social media industry including Instagram Reels, Engagement through DMs, and LinkedIn strategies
- How the new Meta verification blue check mark works
- The different AI platforms such as Chat GPT and Jasper, and how to incorporate them while keeping your voice and authenticity
Listen to our previous episodes with Annie:
Ep. 71 - Optimization Strategies to help Advisors Reach Social Media Success with Annie Dietrich, AC Social Designs
Ep. 60 - How to Grow and Optimize Your Social Media with Annie Dietrich, AC Social Designs
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott welcomed Retirement Expert, Economist, Best Selling Author, Public TV host and International Speaker Tom Hegna virtually in studio to have a discussion on financial planning in the current economy, the importance of using the right tools at the right time, and practicing what he preaches when it comes to his own retirement.
Tom Hegna is an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert!
As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 5,000 seminars on his signature "Paychecks and Playchecks" retirement approach, helping Baby Boomers and seniors retire the "optimal" way. He has condensed a large chunk of his considerable knowledge into 5 books.
As a financial professional, after learning from this value packed episode you will walk away with a greater understanding of how wealth preservation strategies can deepen client relationships and grow your business better moving into the future.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in studio by Paul Garofoli, Annuity Regional Sales Director for the Standard to talk about the Annuity Industry. Paul has a 40-year career touching upon all aspects of our industry, especially independent distribution. Nicknamed the “Annuity King,” his enthusiasm is legendary. A nationally recognized speaker, Paul is known for his entertaining presentations.
Most recently, Paul was the recipient of the NAILBA ID 20 Award, honoring a diverse group of insurance professionals who are the most fascinating trailblazers, change-makers or architects shaping the future of independent distribution.
In this episode you will learn the following:
- Fundamentals of sales – door knocking, consistency, success
- The current Annuity Market – short term duration product options
- Where the industry is heading
- How Insurance company representatives are an asset to your team
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in studio by Sean Turner, CEO and Founder of Buffer Insurance. Buffer Insurance is an insurance company offering insurance solutions for employers and seniors. Sean Turner founded Buffer Insurance with the vision that the most meaningful impact we make is in the lives of others. Protecting others and ensuring their future impact is his highest priority at Buffer. Sean educates business owners and human resource professionals on ways to protect their vision and assists seniors transitioning to Medicare by finding coverages that will protect their future. Buffer Insurance is a veteran-led and veteran-owned independent insurance agency. This is made possible through the values and leadership instilled in Sean during his time serving as an infantryman and squad leader in the US Army.
In this episode you will learn the following:
- How Sean started Buffer Insurance
- How Buffer Insurance went viral when Roe v. Wade was overturned
- Outsourcing work to people in other countries to scale and grow profits
- Optimizing your business through your core values, vision, and going back to the why
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Diana Cabrices to discuss the wealthtech industry, content marketing, and what it means to be a Chief Evangelist.
Diana Cabrices is the founder of Diana Cabrices Consulting, a growth consulting firm dedicated to energizing dead demand channels for B2B wealthtech brands as their Fractional Chief Evangelist. Often called a “product demo queen”, Diana has a knack for converting audiences into ambassadors, and won her first public speaking award at the age of 7. When she’s not representing intelligent technology or engaging with financial advisors, she’s usually planning her next trip (18+ countries and counting), convincing her friends and family to live more holistically, elevating women in the birth room as a doula, and spending time with her 15-year old Chiweenie, Guss.
In this episode you will learn the following:
- Diana’s background and how she started her own firm, Diana Cabrices Consulting
- How Advisors can optimize their business through a variety of ways
- Content Marketing and Artificial Intelligence Automation using Canva and Chat GPT
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Bart Zandbergen, for a collaborative episode with the Zandbergen Report Podcast. Bart is the CEO and Founder of The Zandbergen Group, a wealth management firm and he’s the Host of The Zandbergen Report Podcast. In this episode Scott and Bart dive into a recap of 2022 and provide their take on the 2023 financial market and investments.
In this episode you will learn:
- Some brainteaser questions where Bart tests Scott's knowledge
- Scott and Bart’s recap of 2022 in terms of the market and investments
- Scott and Bart’s forecast for 2023, recession, and stock market trends
- Their advice and take on the current markets
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in studio by Cynthia Spigel, Owner and Consultant at Spigel Strategies & Solutions LLC to talk about growing and managing your team. Spigel Strategies & Solutions LLC is a coaching and consulting firm that has an emphasis on execution in institutionalizing your business, creating a distinctive client experience, and growing and managing your team.
In this episode you will learn:
- Create a collaborative & loyal culture
- Define roles & future potential paths
- Define & implement a base & incentive compensation structure
- Empower ownership & develop leadership
- How the 12-Week Year by Brian P. Morgan and Michael Lennington can help optimize your business and time management
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Dr. Ben Sorensen, Founder and President of Sorensen Consulting. Dr. Ben Sorensen provides leadership training, sales training, and executive coaching to corporate and non-profit organizations around the world and across a wide spectrum of industries. Ben trains thousands of senior executives annually. During the past 20 years, Ben has become best known for his rich mix of corporate experience, non-profit work, and teaching ability. Ben focuses on teaching practical, proven skills while customizing all material to the specific needs of each client. Ben is also an Intelligence Officer in the Navy Reserves and is a Pastor in his community.
In this episode you will learn:
- All about Sorensen Consulting and the executive coaching and leadership development
- Behavioral Finance and how best to serve your clients
- How to optimize our time and micro compartmentalizing
- Mindset techniques, managing stress and some of Ben's Navy tacts
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Matt Halloran, Co-Founder and CRO at ProudMouth. ProudMouth is the solution toone of the biggest obstacles professionals and companies face: the ability to consistently produce authentic and valuable content to power their content marketing strategy. Matt has hosted and been on over 1,000 podcast episodes. He’s also the host of ProudMouth podcast, the Top Advisor Marketing Podcast, where he shares marketing strategies tailored for advisors and connects with top industry leaders, and Be Your Own Loud, which features amazing people who’ve gained influence by being unapologetically themselves.
In this episode you will learn:
- Matt’s Five ROI’s of Podcasting
- How ProudMouth and the Pod Rocket Academy can help with marketing initiatives and launching a successful podcast
- How Scott and Matt connect at the Riskalyze Conference with Females & Finance
- Accelerate Your Influence by being an expert in your community
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Conor Anderson, Partner and Head of Advisor Services. AdvisorAssist provides comprehensive turnkey solutions for both new and transitioning advisors as well as established registered investment advisor (RIA) firms.
In this episode you will learn the following:
- Compliance industry updates
- How AdvisorAssist acts as the advisor’s advisor
- How to optimize and protect your business
- Market trend and audits
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in studio by Andrew Costa, Partner at RX3 Growth Partners, to talk about their growth equity portfolio fund. Andrew is responsible for managing all aspects of the fund’s investment process, including sourcing, diligence, investment committee and portfolio management. RX3 Growth Partners is a consumer growth equity firm that helps brands realize their full potential.
In this episode you will learn the following:
- Andrew’s background and role at RX3 Growth Partners
- How RX3 differs from other funds by finding their niche with brands utilizing influencer and celebrity marketing
- Current interest rate market and RX3 Growth Partners Fund 2
- Savvy consumer buying trends in a digital world
Listen our previous episode with Nate Rabe, Co-Founder and Managing Partner at RX3 Growth Partners, Ep. 057 - Empowering Consumer Brands Through Authentic Relationships here
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Email Andrew: andrew@rx3growthpartners.com
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
For the last episode of 2022, Scott was joined in the studio by Nick Bernatowicz and Ryan Dietrich, Founder, Fitness Trainer, and Biohacking Expert at Reaching Dreams LLC to discuss health optimization.
In this episode you will learn the following:
- What is biohacking and how it can help you optimize your health
- Kick off your 2023 health and wellness resolutions with an easy-to-follow toolkit
- How to utilize cold-therapy, heat-therapy, and meditation to help you handle stress in everyday life
- Learn how to join Ryan’s Healthy in 30 Program to optimize your overall health and wellness routine
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in the studio by Nick Bernatowicz, Senior Sales Consultant at Producers Choice Network to discuss what you need to know to increase your Annuity sales in 2023.
In this episode, you will learn the following:
- How the Fed rates correlate to annuities and how to use that to increase sales.
- From the Field: The best annuity products on the market today!
- Insurance companies are growing and changing, and how that affects you, the producer.
Listen to their previous annuity update episode here: Ep. 56 - Annuities: Ken Fisher “hates them”…. should you? here
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For more on Producers Choice Network and the annuity products offered click here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila was joined virtually by Brad Shepard, Regional Sales Director at One America and Brian Ott, Founder and CEO 525 Advisors to discuss Long-Term Care planning during LTC Awareness Month. In the episode they discussed the following:
- LTC Planning and facts
- How to prepare families when their loved ones need LTC
- Brad and Brian shared their personal stories dealing with LTC
Listen to their previous episodes here:
Episode 002: The Single Largest Unfunded Risk Facing Retirees
Episode 026: Learn FromAn Optimized Advisor: Brian Ott, 525 Advisors
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For more on the iLTCI Conference click here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
EPISODE NOTES
Scott Heinila and Nick Bernatowicz virtually joined fellow podcast host and strategic partner, Bart Zandbergen in the podcast studio by co-host Letitia Berbaum, Paula Steurer of Sterling Public Relations for the 5th Annual Holiday Wine Pairing Podcast alongside studio engineer Danielle Ramchandani. This year’s line-up of wines featured some that are well known, some that are hidden gems, and some that were being tried by the podcast crew for the very first time. Led by Bart’s sommelier expertise, the cast discusses what pairings are best tailored with certain dishes alongside some unexpected pairings to consider. Cheers to the 2022 holiday season and blessings to all!
The 2022 wine line-up includes:
- Veuve Cliquot Rose
- Mulderbosch Chenin Blanc
- J Dusi Red Zinfandel
- Robert Bialis Black Chicken Red Zinfandel
- William Selyam Pinot Noir
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Beth Moss, Regional Director of Producers Choice Network and Sheryl Hickerson, CEO and Founder of Females & Finance to discuss their attendance of the Riskalyze Fearless Investing Summit.
They discussed an article title, How Men Can Become Better Allies to Women from the Harvard Business Review.
Here are the top 3 takeaways from that article:
- How men are the biggest advocates of helping women advanced in the financial services industry
- How the Females & Finance Fearless Pledge applies and what it means to the world of women in finance
- A few speakers that have inspired Scott, Beth, and Sheryl
Listen to their previous episode here: Episode 031: Females and Finance with Sheryl Hickerson and Beth Moss
Watch here: Females and Finance with Sheryl Hickerson and Beth Moss
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For more on Females and Finance and to get involved, click here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Laura Shean, the Executive Director of Strategic Partnerships US & LATAM at Centsai to discuss how social media marketing helps advisors expand their reach to their clients and prospects. Centsai is a social media marketing platform that helps advisors optimize their online presence through customizable financial and insurance based content. Laura shares how the Centsai platform works, case studies of how advisors have seen results, and the Producers Choice Network partnership.
If you’re looking for dedicated help to optimize your social media and create your personal or business brand online, this episode is for you.
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Email: infopcn@centsai.com | laura@centsai.com
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in studio by Annie Dietrich, founder of AC Social Designs, to discuss the latest in social media. They dive into how advisors can optimize social media for their business. They expand on the topics of content, quality, cadence, website, newsletter, events and how to tie everything back to social media to promote and tell a story.
Listen to Annie’s previous episodes:
Episode 60: How to Grow and Optimize Your Social Media with Annie Dietrich, AC Social Designs here
Episode 17: Authentic, Intentional, and Simple Social Media Marketing Optimization with Davin Salvagno and Annie Cooper here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Joe Pantozzi for the latest Optimized Advisor Podcast episode. Joe Pantozzi is the CEO and Founder of Alpha Omega Wealth Management. Joe has been in the insurance and financial planning space since 1976. Joe shares his story, what sets him and his business apart. Learn how Joe optimizes his business tools by helping his clients and their families to unlock the keys to their own prosperity by building their wealth through the Infinite Banking Concept utilizing cash value life insurance.
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Scott co-hosted this week’s episode with fellow podcast host and strategic partner, Bart Zandbergen. They sat down with Nick Jordan, the CEO of Wells of Life, a non-profit Christian organization whose mission is to provide rural Ugandans access to safe, clean water through the installation or restoration of stainable borehole water wells and water sanitation and educational programs. Nick shares his story on how he started Wells of Life, the work they do, and how you can get involved. Nick dives into how the organization optimizes their resources to successfully grow and provide water to those in need. This is an inspirational, motivational, and heart-felt episode.
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Contact Nick Jordan directly at 949-584-6166
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
This week Scott sat down with Dwight Eberts for a virtual conversation about the idea of being free from time, time management and optimization. Dwight co-founded Producers Choice Network and has since launched his next venture, 122 Coaching, where he provides executive life coaching and professional development services. Scott and Dwight share insights on how to best optimize your time in all aspects of your life and how being intentional and selfish with your time can help lead to a successful and balanced life.
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For more on 122 Coaching, email Dwighthere: dwight@coaching122.com
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined by Josh Lackowski, Director of Marketing Strategy & Account Services of Producers Choice Network, in studio to discuss branding your business. Josh shares his branding best practices, challenges advisors face with branding, establishing a company mission statement and core values.
Listen to Josh’s previous episodes:
Episode 024 - Meaningful Marketing with Josh Lackowskihere
Episode 063 - Meaningful Marketing Part 2 with Josh Lackowskihere
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in studio with Dave Harris, CEO and founder of DPH Financial Services, and virtually with Trevor Patching, Vice President of Business Development at the Atticus Group. In this episode learn about what the Atticus Group does for creating strategic partnerships. They discuss business development, executive plans, exit strategies, premium financing, finding key asset employees for your business, and much more. This episode is a must listen to optimize your business.
Listen to Dave’s first episode, 007 - Learn From An Optimized Advisor: Dave Harris here
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Scott invited Jason Labrum back in studio to discuss all things mindset. As a successful entrepreneur and certified financial planner, Jason shares his tips and tricks to optimize his life through his mindset. Scott and Jason also discuss getting clients in the right mindset with their finances. Jason is the Founder and CEO of Intelligence Driven Advisers.
Listen to Jason’s first episode, #10- Learn from An Optimized Advisor: Jason Labrum CFP®, AIF® here
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For more on IDA Wealth click here
Purchase Jason's book,Financial Detox®: How To Steer Clear of Toxic Advice, Achieve Financial Independence, and Manage Your Wealth for Maximum Impact, here
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Scott welcomed back Jeff Hoenle in studio for a discussion on financial industry trends, revenue models, broker dealers and more. Jeff epitomizes what it means to be a Wealth Manager. He is Co-Founder and CEO of Platinum Wealth Management Group and lead educator of APEG (Advanced Planning Education Group). His industry expertise and advice are highlighted throughout this episode, get ready to take notes!
Listen to Jeff’s previous episodes here:
Ep. 034: Learn From An Optimized Advisor: Jeff Hoenle, CFP®, CRPC®, AEP®
Ep. 040: What is Advanced Planning Educational Group (APEG) and their Why?
Ep. 041: The Five Pillars of Financial Planning with APEG
Ep. 042: Proper Estate Planning For The Family Vacation Home with APEG
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott welcomed Josh Lackowski in studio to pick up where their conversation on Meaningful Marketing left off (listen to Ep. #24 here). Josh is the Director of Marketing Strategy & Account Services of Producers Choice Network and is a marketing and creative expert that has helped take the Optimized Advisor Podcast to the next level. In this episode they discuss how to break through the noise to become well-known and build trusted relationships, attraction, connection, and how to transform.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in the virtual studio by Neil Willoughby, Media Content Production Specialist at Producers Choice Network to discuss all things video production. In this episode Neil shares how to optimize your video production and gives postproduction tips. Scott and Neil discuss best practices for shooting quality content, editing software, editing tips and more. Neil is our very own podcast editor. Get ready to take notes and take your video content to the next level!
This episode is Part 2 of a 2-Part series. Listen to Part 1 here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in the virtual studio by Neil Willoughby, Media Content Production Specialist at Producers Choice Network to discuss all things video production. In this episode Neil discusses video production 101 and what’s required to create quality video content for a variety of purposes. Neil shares his tips and tricks on video equipment, lighting, microphones to set your video production up the right way. Neil is our very own podcast editor. Get ready to take notes and take your video content to the next level!
This episode is Part 1 of a 2-Part series, stay tuned next week for Part 2.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott invited good friend and founder of AC Social Designs, Annie Dietrich, in studio to discuss all things social media and how to navigate the ever-changing social media world. Annie shared all her tips and tricks to grow on social media such as optimizing your bio, finding your niche, and engagement strategies. AC Social Designs is a creative full-service design and management company that delivers your brand through social media.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott and Bart Zandbergen, CFP and host of the Zandbergen Report Podcast co-hosted this episode and invited Dave Welch, Chief Vision Officer of b.spoke Style, in studio to discuss current menswear fashion trends. With many people either going back to work in an office, while others are working solely from home, and others who are still working remotely entirely, the art of dressing well has shifted. In this episode, the trio discuss the importance of wardrobe consulting, what style trends have emerged, and how to dress to impress here in 2022 and beyond.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott and Bart Zandbergen, CFP and host of the Zandbergen Report Podcast, co-hosted this episode with Nick Bernatowicz and discussed all things fitness. They talked about fitness, motivation, nutrition, proper supplements and creating the right workout routine to meet your optimal results.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott invited Nate Raabe in studio to discuss his company RX3 Growth Partners. Nate is the Co-Founder and Managing Partner of the investment firm. RX3 bridges the gap between capital and culture by facilitating authentic relationships between their community of influential investors and their partner brands to unlock value. Nate shares his career journey to starting RX3 Growth Partners, how he optimizes his time in both business and his personal life. He shares what sets his company apart and how focusing on relationships is key.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott and Nick Bernatowicz sit down in studio to discuss annuities in today’s market. They break down the uses of annuities for growth and income. They talk about the history of annuities and how they fit into an investment portfolio. They also touch on the uses as a solution for long-term care planning.
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Scott invited Angela Sinnett in studio for a conversation all about health and wellness and optimizing your body. Angela is an acupuncturist, nutritionist, herbalist and founder of Magnolia Wellness specializing in holistic, eastern medicine. Angela shares her journey of dealing with her own health issues to starting her practice. They discuss the different services she offers, how someone can start to optimize their health, and Scott asks her questions about his own health and wellness journey. If you’re looking for ways to feel better and overall your health, this episode is for you.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was inspired to record a solo episode on an article called “Eight Questions for Advisors to Optimize Their Business for Growth” by Mindy Diamond. Scott goes over the 8 questions in detail and he shares his experiences, thoughts, and his own goals for personal and business development. This episode is all about optimizing yourself and your business.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Joe Elsasser, Founder and President of Covisum, a financial technology company focused on creating software that improves lives through better financial decisions. Joe shares how Covisum came to be and how it successfully help financial advisors serving mass-affluent clients in our near retirement powers some of the nation’s largest financial planning institutions.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott welcomed back good friend, strategic partner, and fellow podcast host, Bart Zandbergen, in studio to talk all about Mindset and what it means to them. Bart shares how he prepares himself for the new year by working on his Statement of Vision to manifest and set goals for himself. Bart and Scott provide tactical tips to set yourself up for success this year.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott invited David McManus in studio for a discussion on optimization. David is the Senior Wealth Advisor and Co-Founder of Cooper McManus. David shares his journey, how he sets himself apart from other advisors, how efficiently scaled his business and client reach in a virtual environment and much more.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Kicking off 2022 with a brand-new episode focusing on optimizing your business! Scott was joined virtually by Brad Swineheart, SVP of Channel Marketing at Whiteglove. Whiteglove is a seminar marketing and lead generating firm that takes a unique approach to serving financial advisors. Brad and Scott discussed the changes in seminar marketing in the past 2 years, how Whiteglove is different than traditional seminar marketing companies, and how advisors can take advantage of their services. Pivoting and adapting has been the name of the game in the midst of the pandemic where Whiteglove feels they’ve executed and delivered. Please listen and we hope you enjoy.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined in studio with Aaron Hoke, President of AIM Capital, and discussed his journey of getting to where he is today. In this episode they talk about career changes, determination, learning life skills, leadership, working in a virtual environment, and much more. Aaron also shares some insights into how he optimizes his life and the principles he follows.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott invited relationship expert, Dr. Morgan Cutlip, back in studio to dive deeper into relationships. In this episode you’ll learn how Dr. Morgan utilizes social media to educate, entertain, and relate to her audience by sharing her expertise in psychology and relationships. They also discuss the Attachment 101 theory, communicating in relationships, and time management.
Listen to Morgan’s Ep. 008: Being Intentional With Your Relationships here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott sat down with Jared Tanimoto, Founder & President of Ascent Wealth Advisors. Jared is the current President of FPA Orange County and is an Investment News 40 Under 40 Advisor. Jared shared with Scott how he got his start in the industry, how he optimizes his time and all areas of his life. They discussed how they are both Eagle Scouts and how that has shaped Jared’s love for the outdoors and adventure.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Host Bart Zandbergen was joined in the studio by Scott Heinila, Nick Bernatowicz, and Danielle Ramchandani of Optimized Advisor and Paula Steurer of Sterling Public Relations for the 4th annual holiday wine pairing podcast. A certified sommelier, Bart selected 9 wines from his well-curated wine cellar to enjoy with his guests. Mixing it up this year, Bart chose 4 distinct white wines, 3 red wines, a rose, and a champagne to discuss pairing options for, while adding in some wine facts to help listeners elevate their wine knowledge. The 2021 edition of this highly anticipated podcast is certainly memorable and includes answers to pairing questions for unconventional holiday meals as well. Cheers!
In this episode learn more about these featured wines and what they pair perfectly with for holiday meals and beyond:
- Moët Chandon Champagne - Brave & Maiden Rose - Chateau De Maligny Chablis - Groth Sauvignon Blanc - Margerum Viogner - Fess Parker Chardonnay - Louis Jadot Beaujolais - Belle Glos Clark and Telephone Pinot Noir - The Prisoner Cabernet
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott sat down with an Associate of his over on the East Coast. Bill Bonk, Owner/Regional Director of BBIM an Affiliate office of Producers Choice Network. Together they discuss how Bill discovered the world Annuities and becoming an expert wholesale consultant to Advisors within his community. Scott and Bill also discuss a foundational sales idea of Producers Choice and how it’s still fully applicable, maybe even more so, today as it was 20 years ago.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott invited Andrew Kuo and Nick Bernatowicz in studio to discuss Andrew’s journey directly out of college into working for a broker dealer firm and to becoming Managing Director of Western International Securities. They discuss how obtaining designations helped accelerate Andrew along in his career and relationship building. Andrew shares how he optimizes and leverages his time to prioritize and oversee many operational responsibilities.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott and Jamie were joined by Scott Stolz, Head of Insurance Solutions at Simon an fintech solution. SIMON is committed to transforming the digital experience for financial advisors, enabling them to better serve their clients. During their conversation, they discuss the journey and process to Scott writing his first book on annuities, Unlocking the Annuity Mystery, Practical Advice for every Advisor. They also talk about his role at Simon and how it is a key fintech solution for financial advisors and insurance professionals today.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Part 3 of the 3 Part APEG Series: Scott sat down with with the co-founders of APEG, Jeffrey Hoenle, CFP®, CRPC®, AEP® and Ruth Flynn Raftery, JD, CPA, AEP® how to properly plan for the family vacation home.
Listen to Part 1 Ep. 040: What is Advanced Planning Educational Group (APEG) and their Why? here
Listen to Part 2 Ep. 041: The Five Pillars of Financial Planning with APEG here
Listen to Jeff's Ep. 034: Learn From An Optimized Advisor: Jeff Hoenle, CFP®, CRPC®, AEP® here
Listen to Ruth's Ep. 039: Learn From An Optimized Advisor: Ruth Raftery, JD, CPA, AEP here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Part 2 of the 3 Part APEG Series: Scott sat down with with the co-founders of APEG, Jeffrey Hoenle, CFP®, CRPC®, AEP® and Ruth Flynn Raftery, JD, CPA, AEP® and discuss the Five Pillars of Financial Planning with APEG and how their organization takes a unique approach to better serve clients.
Stay Tuned for next week for Part 3 with APEG.
Listen to Part 1 Ep. 040: What is Advanced Planning Educational Group (APEG) and their Why? here
Listen to Jeff's Ep. 034: Learn From An Optimized Advisor: Jeff Hoenle, CFP®, CRPC®, AEP® here
Listen to Ruth's Ep. 039: Learn From An Optimized Advisor: Ruth Raftery, JD, CPA, AEP here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Introducing a 3 Part Series with the co-founders of APEG, Jeffrey Hoenle, CFP®, CRPC®, AEP® and Ruth Flynn Raftery, JD, CPA, AEP® to initially discuss the story behind APEG, how it came to be, the bold goal for success and APEG's WHY.
Stay Tuned for next week for Part 2 with APEG.
Listen to Jeff's Ep. 034: Learn From An Optimized Advisor: Jeff Hoenle, CFP®, CRPC®, AEP® here
Listen to Ruth's Ep. 039: Learn From An Optimized Advisor: Ruth Raftery, JD, CPA, AEP here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila and Jamie Kosharek, MBA, President of Producers Choice Network discuss the keys to obtaining higher levels of significance and growth within a structured organization. By building upon a unified foundation which values placing others first, keeping promises and planning for life, PCN has been able to adapt to a volatile environment and evolve into a stronger company that is able to better serve the needs of others.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Ruth Raftery, attorney, CPA, President, and co-founder of Advanced Planning Educational Group (APEG). Ruth shared her insights with over 20 years in the industry on individual income taxation, estate, gift and trust taxation. Ruth explains how she co-founded APEG as an educational communityso financial professionals, attorneys, and accountants can all have resources to better serve their clients.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Brian Church, Founder and CEO of Advisory DNA. One of the Financial Services Industry’s most dynamic consulting organizations that aides Financial Advisors and Firm Owners in the process of moving, merging, or selling their business. Brian shares how he got into the industry, how he works with financial advisors to optimize their practice, and why expanding on technology is so important in this space.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
September is Life Insurance Awareness Month! It’s a great time for financial advisors and insurance professionals to have the very necessary life insurance conversation with clients. In this episode, Scott and Nick Bernatowicz sit down to discuss and share insights on the topic of life insurance. They break down the different types of life insurance, the benefits of having coverage, and how to be an advocate for insurance.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott spoke with Brooke Thomas and Steve Goldstein, CFP®, ChFC®, the founders of Retirement Analyzer – a fintech solution for retirement and financial planning. They discuss the story behind how Retirement Analyzer began by Founder and Top National Agent Chuck Cravens. They discuss how Retirement Analyzer aims to make the process for retirement planning refreshingly simple. Additionally, Fintech/Insuretech software creation is only the beginning where Retirement Analyzer strives to provide ongoing training, education, prospecting and sales solutions to meet the needs of insurance professionals & financial planners today.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually by Jeff Hoenle for an informative discussion on optimizing your time and practice. Jeff epitomizes what it means to be a Wealth Manager. He is Co-Founder and CEO of Platinum Wealth Management Group and lead educator of APEG (Advanced Planning Education Group). He shares how he got his start in the industry, how he values education and designations to show his clients he is an expert. Jeff shares the Why and Vision behind the creation of APEG to assist other financial planners, estate planning attorneys and CPA's in a mutually beneficial education based national community.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott sat down virtually with Norm Trainor, an author and the President and CEO of the Covenant Group. TCG helps financial service organizations grow market share and increase productivity by improving the practice development capability of their owners, managers, advisors, and agents. Scott and Norm dive into their programs and how they can help optimize advisor’s businesses.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott invited Bill McBride in studio for a discussion all about how Bill has optimized his resources and education to get where he is today. Bill shared how he is a self-proclaimed forever student, obtaining multiple degrees, and is always learning. Scott asks Bill about his journey from his first job at 9 years old to starting his own wealth management firm. They dive into how Bill focuses on his clients, building trust, and focusing on their family and much more.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined by Sherly Hickerson, Founder and CEO, Females and Finance and Beth Moss, Regional Director, Producers Choice Network virtually for a discussion about females in the financial planning industry. Sheryl shared about her organization, Females and Finance and how women utilize their membership resources to connect with like-minded professionals.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott sat down with CPA, Garrett Nyberg of Boroff & Nyberg LLP in studio to discuss all things taxes and accounting. Topics discussed include, Biden’s proposed tax legislation, tax planning preparedness, and on-going best practices for both business and personal taxes.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
During this episode, Scott and Rich Boone discuss building an optimal business within the Financial Services industry. Rich Boone, Founder of IDEAL Plan Coaching walks through the elements of building a business plan: Identify, Determine, Evaluate, Assess and Leverage.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
In this week’s episode, Scott sat down with Ryan Hoke of AIM Capital for a discussion about his family business that started in the 1970’s and how it has evolved and grown to what it is today, a successful insurance agency. The second part of the episode Ryan shared how he value’s Scott’s opinion and calls on him as a trusted resource for just about anything. The tables are turned with Ryan asking Scott a few questions and together they share some fun stories.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott welcomed Peter Buechler CFP®, CLU, ChFC, FLMI, AAPA in studio for an informative discussion. Pete is a long-time friend and professional associate of Scott’s. Currently, Pete is President of Cohesive Insurance Brokerage and he is the Government Relations Chairperson of NAIFA – CA. NAIFA stands for the National Association of Insurance and Financial Advisors, the only organization of its kind that advocates for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of the members. Scott and Pete discuss how NAIFA is an important organization for Advisors to join, all the benefits it provides, and the advocacy efforts they deploy for Advisors and Insurance Professionals. Pete shares how he got involved in NAIFA, what he does in his current role, and much more about the current legislation and regulations within insurance and financial services.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott sat down with Seattle based Advisor, Brian Ott, Founder/CEO of 525 Advisors in studio for a conversation to learn more about his practice. Brian has dedicated his practice to long-term care insurance planning and has seen success from his unique business strategy. Brian shares his background, how he got his start in the industry through firsthand experience, and how he executed on opportunities that have positioned his firm where it exists today. Scott and Brian discuss the current LTC space and how crucial it is to have long-term care planning conversations with clients and planning for the future.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott invited Devon Loquet Ulrich from Foley Family Wines along with Bart Zandbergen and Nick Bernatowicz in studio to celebrate National Wine Day (5/25). Devon informed the group of the Foley Food and Wine Society, the wineries, the restaurants, how to purchase the wines, and the different membership options. Devon also shared about her role within the company and how the industry pivoted during the pandemic from partnering with restaurants, retailers, and the entire wine making supply chain. Throughout the conversation they enjoyed select wines from the Foley Family portfolio.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott was joined virtually with Josh Lackowski, the Director of Marketing Strategy & Account Services of Producers Choice Network to discuss marketing, branding, and how to be intentional in reaching clients. Josh talks about his background in marketing, video production, music and how they have helped shape him in becoming a strategic marketing expert. They discuss how focusing on the mission and vision and putting people first is the key to successful marketing.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott invited Nick back in studio to discuss all things fitness and nutrition, a Part 2 of Ep. 001. Scott and Nick motivate you to get your body in shape for the summer and stay consistent with your workouts while traveling. They dive into how they keep up with their workouts on vacation, share easy-to-follow different ways to get workouts in using what you have at your disposal. They also discuss how nutrition places a key role in achieving your fitness goals and how to make good choices while traveling.
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Listen to Ep. 001: Fitness + Nutrition Optimized: Essentials For A Healthy Lifestyle here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott sat down with Andrew Martz in studio to discuss how Andrew has optimized his life and business. They talked about Andrew’s journey from growing up on the East Coast and then took a chance and moved across the country for a job opportunity in Los Angeles. Andrew shares some insightful ways he manages his relationships with his family, clients, and business. They talk about how important an online presence is, fintech, and much more.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott had Paige McDaniel and Carrie Gilmore in studio to discuss all things real estate. Paige and Carrie, realtors and founders of The McDaniel Gilmore Group, a luxury real estate company servicing the south Orange County area. In this episode, they dive into the current real estate market since COVID and where its heading. Carrie and Paige share their background and how they got their start in the industry, their unique approach, and competitive advantages, and how they optimize their time to best serve their clients and their families.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott sat down with Arthur Cooper, Co-Founder and Managing Director of Cooper McManus, an Irvine based wealth management firm. Arthur shared how he got his start in the industry and how he optimizes his time, strengths, and weakness to reach success. They also discussed Arthur’s passions and he shares a few stories from speakers that have inspired him over the years.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott sat down with Dr. Taylor Pollei, a Facial Plastic and Reconstructive Surgeon, to learn about how Dr. Pollei got his start as a surgeon, why he focused on the face, and the different treatments he offers. They discussed the most popular treatments for men and preventive aging measures. The stats may surprise you on how many men get work done. Scott shared his own blood work to be a patient example and they talk about the different hormone therapies Dr. Pollei offers in his practice.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila sat down with Randy Platt and Rodney Burris, the founders of Care Partners, to discuss their professional philosophy that focuses on compassion and love and is built on a foundation of skilled associates with true expertise delivering exceptional care. Randy and Rodney both came from health care backgrounds and launched Care Partners in 2017. Care Partners is a caregiving organization that provides home care, transitional medicine, and senior placement for patients in need. In this episode Randy and Rodney share their unique approach to optimizing their business, valuing not only their patience but also their staff of caregivers, being intentional about how they pair caregivers to patients, and customer referrals and reviews are the best marketing tool they utilize.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila had Davin Salvagno back on virtually with Social Media Specialist, Annie Cooper, in studio to talk all things social media. Davin shares about his upcoming event, the Purpose Summit which will be May 11 – 13, 2021. Annie and Davin share the benefits of being on social media both personally and professionally, they provide insights on how to reach customers and clients by being vulnerable and building trust. They share simple steps to follow to get your social media pages up and running. This is a must listen if you are looking to take your social media marketing to the next level.
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Listen to Ep. 005: Living Life with Purpose Now and Forever with Davin Salvagno here
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Bonus - Jeff Vallez shares why he has added Long-Term Care planning in his practice and how it is quickly growing into a very important facet of his business.
Scott Heinila and good friend, Jeff Vallez, sat down to discuss Jeff’s unique practice, Shoreline Financial, and how he is an Optimized Advisor. Jeff dives into how he started working at a young age and instilled a strong work ethic that has helped him achieve success. Jeff shares some of the silver linings in dealing with the pandemic, taking a step back, re-evaluating priorities in his life and how to best optimize his time going forward.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila and good friend, Jeff Vallez, sat down to discuss Jeff’s unique practice, Shoreline Financial, and how he is an Optimized Advisor. Jeff dives into how he started working at a young age and instilled a strong work ethic that has helped him achieve success. Jeff shares some of the silver linings in dealing with the pandemic, taking a step back, re-evaluating priorities in his life and how to best optimize his time going forward.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila, Jake Ireland, Nick Bernatowicz, and Ryan Letchford sat down to savor some Off Hours. They discussed how Jake got into the bourbon industry, how he launched his business during the height of the pandemic. A great tasting, easy drinking Bourbon Whiskey made for the moments in between and bucking the trend to be fresh, innovative and conversational.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila sat down with Joni Wu and talked about all things travel. Joni is a Luxury Travel Advisor with Luxe Travel, A FROSCH Company, helping people plan their dream vacations all around the world. Joni gives some insight as to why using a Travel Advisor will help you optimize your time and have a much more memorable experience. Scott and Joni talk about travel during COVID and a few ideas for the not-so-typical vacation. This episode will make you want to plan your next vacation!
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
During this episode Scott Heinila and Ken Cruse dive into what it takes to establish a flourishing hotel brand with a unique Purpose to be good for the Soul, give back to the Community and environmentally respectful to the Planet. They also talk about the hotel industry, its challenges amongst COVID and the future ahead for travel. Tune in to find out more about SPC and their unique properties.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Optimized Advisor Podcast host, Scott Heinila, welcomed dear friend and fellow podcast host, Bart Zandbergen of The Zandbergen Report Podcast in studio with Nick Bernatowicz to talk about annuities and retirement planning on The Zandbergen Report. During this episode, Bart, Scott, and Nick discuss retirement income and why it is essential. Studies show that people spend more time each year planning a one week vacation than they do planning their retirement. This episode poses good food for thought that may have listeners choosing to flip the script and start investing in proper planning.
In this episode learn:
- Why financial independence requires having a plan
- What to consider during your wealth accumulation phase to prepare for its future usage
- What various forms of retirement income are
- Annuities – what they are and what their benefits may be
- Risks that retirees are experiencing today
When asked what his Ultimate Lesson Learned had been during his career, Scott shared, “Don’t let your emotions get the best of you when it comes to your finances.”
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila sat down with Justin Batt, founder of Daddy Saturday, for a virtual conversation about being an intentional father. Daddy Saturday is a global movement that helps fathers to be intentional and engaged with their children in order to change the next generation and end fatherlessness. Scott and Justin talk about how the Daddy Saturday movement started, how implementing it in his own life has made a positive impact on his children, and how fathers can easily adapt a few business-minded strategies to take their family relationship to the next level. Tune in to this inspiring and resourceful episode about being the best, optimized, and intentional father you can be.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
The Life Loving, Adventurous, Giving Adviser.
Scott Heinila sat down with friend and Investment Adviser, Jason Labrum CFP®, AIF® and talked about his journey from starting out in the industry to operating a successful wealth management firm, Intelligence Driven Advisers. They discuss how Jason’s father has mentored him in business and in life, the difference between adviser and advisor, the importance of being intentional with clients, and having a strong team. This insightful conversation covers a wide range of topics on how Jason optimizes himself in all areas of his life.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila sat down Joe Maringer, SVP, National Sales Manager at Great American Insurance Group for an informative industry discussion on the history of Great American and the future of the company. Joe shares how Great American is continuing to innovate by ongoing investment in technologies and new platforms to meet the needs of advisors. They talk about the current state of the annuity marketplace, specifically FIA’s and rapid growth of RILA products.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila sat down with relationship expert, Morgan Cutlip, Ph.D. and a very special guest, his wife Melissa. They discussed ways to optimize relationships by being more intentional, how to manage your time, and why dating your spouse is important. Scott and Melissa shared some insights in how they put their relationship first. Dr. Morgan shares some tangible concepts that Advisors can use when dealing with clients going through a divorce.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila sat down with good friend and Advanced Insurance Planning Professional, Dave Harris. In this episode, Dave shares about how he started in the industry and how he maximizes his centers of influence as his main source for developing new clients. With Dave’s unique boutique approach to his practice, he shares some of his strategies for optimization.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Solo episode with Scott sharing some of the words he operates and lives by as his Law. An individual’s Law are words one lives by that enlighten meaning and bring purpose, a code of sorts. Passion, Professional, Process, Performance and Persistence are some of the words that define Scott’s code. Scott dives into what these words mean to him and shares tactical tips for defining your Law.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila sat down with Davin Salvagno for an impactful virtual discussion. Davin is the CEO and Founder of PurposePoint and author of “Finding Purpose at Work”. In this episode, Scott and Davin dive into what it means to find Purpose in both life and business. Davin shares insightful and tactical practices to better understand and live a life with Purpose now and forever.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Scott Heinila sat down with Bart Zandbergen, CFP, for an informative discussion. With 35+ years of experience and at a point where his practice is optimized, learn how Bart got his start, how his practice has transitioned over the years, how he maximizes his time, among other topics discussed.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Optimized Advisor Podcast host, Scott Heinila, welcomed dear friend and fellow podcast host, Bart Zandbergen, along with his publicist Paula Steurer of Sterling Public Relations in the studio for The Zandbergen Report’s 3rd Annual Holiday Wine Pairing episode. Scott joined in virtually while the studio’s production host Danielle Ramchandani was onsite and joined in on the tasting. During this festive episode, Bart discussed 4 distinct wines with the guests including Nicolas Feuillatte Reserve Exclusive Rose, Fess Parker Dry Riesling, GBR by Etude, and Austin Hope’s Cabernet Sauvignon. From the perfect menu pairings for each to other great wine pairings for less traditional meals that may be enjoyed throughout the holiday season, Bart shared his top recommendations on a range of varietals.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Optimized Advisor Podcast host, Scott Heinila, sat down with Nick Bernatowicz, CLTC®, RICP® - Senior Sales Consultant with Producers Choice Network and Brad Shepard, CLTC® Regional Sales Director with One America. They are experts in Long-Term Care Planning with a combined 25+ years of experience. During this episode they discuss the critically important topic of planning for extended health care.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com
Optimized Advisor Podcast host, Scott Heinila, sat down with Nick Bernatowicz to discuss fitness and nutrition in a busy world. Nick comes with an extensive background in Fitness and Kinesiology. He owned and operated multiple fitness facilities and holds many credentials in fitness training. During their conversation, they dive into different forms of physical training as well as today's top nutritional plans. With so many choices and with time being scarce they identify a path to optimizing your fitness and nutritional balance.
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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com