The Money and Meaning Show: Recent Episodes

moneyandmeaning

Join Jeff Bernier, CFP®, ChFC, CFS each month as he shares insights and real-world strategies to help you gain the confidence and freedom to live a life of personal significance.

Retirement is often viewed as a financial milestone. But what if one of its greatest challenges has little to do with money?

In this episode of Money & Meaning Perspectives, Jeff Bernier explores the transition from achievement to purpose, drawing on reflections from Chip Conley, founder of the Modern Elder Academy, and Arthur Brooks, Harvard professor and bestselling author of From Strength to Strength. Jeff examines why many successful people struggle more with identity than finances after leaving their careers, how our strengths evolve over time, and what it means to become an elder rather than simply grow older. Whether you're within 10 to 15 years of retirement or already retired, this episode offers a thoughtful perspective on the retirement transition, finding purpose after a successful career, and designing a meaningful next chapter.

Topics Covered

Chip Conley’s imagined conversation with his 90-year-old self
● Why preserving past success can limit growth later in life
● Arthur Brooks’ explanation of the Four Ashramas
● The student and householder stages of life
● The “striver’s curse” and the limits of constant achievement
● Retirement as a developmental transition rather than only a financial one
● The difference between becoming older and becoming an elder
● Why identity can become a major challenge after leaving work
● Moving from being indispensable to becoming influential
● The shift from fluid intelligence to crystallized intelligence
● Teaching, mentoring, and sharing wisdom with younger generations
● Becoming a beginner again in retirement
● Redefining success through purpose, service, faith, wisdom, and relationships
● Using wealth as a tool for freedom rather than as a destination
● Questions to consider from the perspective of your 90-year-old self

Useful Links:

- Jeff Bernier on LinkedIn: https://www.linkedin.com/in/jeffberniercfp/
- TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this episode of Money & Meaning, host Jeff Bernier is joined by Dr. Joy Lere, a licensed clinical psychologist and co-founder of Shaping Wealth. They examine retirement as more than a financial milestone, focusing on the shift in identity, purpose, and daily structure that comes with leaving a career. Joy shares how unmet expectations, loss, and identity challenges can shape the transition, along with practical ways to prepare by building a meaningful life outside of work and continuing to contribute beyond a paycheck.

Topics covered:

Retirement as an existential transition, not just a financial one
The gap between expectations and reality in life after work
Normalizing loss, stress, and emotional complexity in transitions
Building a life outside of work before retiring
Balancing meaningful work with other areas of life
Continuing purpose and contribution beyond a paycheck
Identity challenges when stepping away from a long-held role
Shifting mindset from “what you do” to “who you are”
Identifying needs fulfilled by work and finding alternatives
Avoidance and delaying difficult transitions
Processing grief and loss in major life changes
Holding both joy and grief during life transitions

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/
Joy Lere on LinkedIn: https://www.linkedin.com/in/joy-lere-psy-d
Shaping Wealth: https://www.shapingwealth.com/

Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this Perspective episode of Money & Meaning, Jeff Bernier examines one of the most common questions investors ask: whether they’re missing out by not owning the latest high-profile stock or IPO. Using examples ranging from railroads and the telecom boom to NVIDIA, SpaceX, and artificial intelligence, Jeff explores why transformative companies don’t always translate into exceptional investments. He explains the difference between innovation and speculation, why market expectations matter, and how diversification allows investors to participate in long-term human progress without relying on predicting tomorrow’s winners.

Topics Covered

Why investors are drawn to 'hot' stocks and IPOs
The difference between a great company and a great investment
What history teaches us about IPO performance
SpaceX and the role of valuation versus business success
Lessons from railroads and the telecom boom
How artificial intelligence fits into historical innovation cycles
Why market expectations matter more than growth alone
Mean reversion in corporate profitability
Research on the small percentage of stocks that create most market wealth
Why diversification remains a powerful investment strategy

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this episode of Money & Meaning, Jeff Bernier speaks with Peter Nakada, Chief Education Officer at Stone Ridge Asset Management, about alternative investments and the role they can play in building more resilient retirement portfolios. They examine why traditional portfolios are often overly dependent on corporate profits and interest rates, and how “true alternatives” like reinsurance may provide diversification benefits that traditional alternatives cannot. Peter explains catastrophe bonds, quota shares, risk premiums, and the behavioral challenges investors face when allocating to alternative asset classes during periods of uncertainty and market volatility.

Topics covered:

Why traditional portfolios may be overly tied to stocks and bonds
The difference between traditional alternatives and “true alternatives”
How reinsurance works and why it exists
Understanding catastrophe bonds and quota shares
Natural disaster risk as an investable risk premium
Hard and soft insurance markets and how pricing adjusts after losses
Why reinsurance may help improve portfolio resilience in retirement
Expected return assumptions for reinsurance strategies
Portfolio allocation considerations for alternative investments
Behavioral challenges investors face during periods of natural disasters
Probability biases and investor psychology in alternative asset classes
Why staying invested through market cycles matters

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/
Peter Nakada on LinkedIn: https://www.linkedin.com/in/peter-nakada
Stone Ridge: https://www.stoneridgeam.com/

Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this episode of Money & Meaning, Jeff Bernier examines a recent discussion from The Rational Reminder podcast that challenges the common belief that stocks are always safe if held long enough. Jeff explores how market downturns often force investors to sell not because of panic, but because of income shocks, fixed expenses, and limited liquidity. He breaks down research on investor behavior during crises and explains why financial resilience depends not only on portfolio construction, but also on flexibility, liquidity, and lifestyle design.

Topics covered:

Why long-term investing assumes investors can stay invested
Research from The Rational Reminder podcast on investor behavior during market crashes
How income shocks and liquidity challenges force investors to sell
The concept of “hidden leverage” created by fixed lifestyle expenses
Why risk is more than just market volatility
Differences between working professionals and retirees when managing investment risk
The importance of emergency reserves and liquidity buffers
How lifestyle flexibility impacts portfolio decisions
Reframing diversification beyond stocks and bonds
Financial resilience, optionality, and staying invested through uncertainty

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this episode of Money & Meaning, Jeff Bernier is joined by Jason Lina, Founder of Golden Bell Financial Planning. Together, they discuss how thoughtful financial planning goes beyond numbers and why clarity, simplicity, and good decision-making matter more than trying to predict the future.

Topics Discussed

Why much of the challenge in financial planning comes from filtering out poor advice
How experienced advisors think about risk, uncertainty, and long-term investing
The role of diversification, asset allocation, and disciplined portfolio management
Considerations when making decisions like Social Security and mortgage payoff
The connection between your financial resources and what matters most to you

Key Takeaways

Financial planning often involves making thoughtful, consistent decisions over time
A well-structured plan considers a range of possible outcomes, not just one prediction
Simplicity and discipline can play an important role in long-term planning
Financial decisions are not just mathematical. They are personal.

About the Guest

Jason Lina is the Founder of Golden Bell Financial Planning. He is a Certified Financial Planner professional and Chartered Financial Analyst. Jason has been featured in publications such as Forbes, Money Magazine, CNBC, and U.S. News and World Report. He focuses on comprehensive financial planning and long-term investment strategy.

Resources Mentioned

The Psychology of Money by Morgan Housel
Happy Money by Ken Honda
Your Money and Your Brain by Jason Zweig
Die With Zero by Bill Perkins

Connect with Jason

Golden Bell Financial Planning
Jason Lina on LinkedIn

Connect with Jeff

TandemGrowth Financial Advisors, LLC
Jeff Bernier on TandemGrowth

Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this episode of Money & Meaning, Jeff Bernier examines how geopolitical conflict influences oil and gasoline prices, drawing on perspectives from economist John Cochrane and JPMorgan’s Michael Cembalest. He explains how war creates supply shocks, why energy markets react quickly, and how those effects ripple through inflation and the broader economy. Jeff also outlines why the U.S. is less vulnerable today and what investors should focus on when uncertainty rises.

Topics covered:

How war creates supply shocks in global oil markets
Risk premiums, sanctions, and policy responses affecting energy prices
The structure and limitations of global energy supply
Why fossil fuels still dominate and renewable transition is slow
How rising oil prices impact inflation and the broader economy
The U.S. energy shift due to shale production and reduced import reliance
Historical policy mistakes during energy crises
Why price controls and subsidies can worsen outcomes
The cyclical nature of energy shocks and market adjustment over time
Investor perspective: diversification and avoiding macro speculation
Building portfolios that can withstand geopolitical uncertainty

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this episode of Money & Meaning, Jeff Bernier reflects on a recent client conversation sparked by a Wall Street Journal article about an AI “tsunami.” Jeff examines the tension between AI as transformative breakthrough and potential disruption, and what that means for investors. Using recent market performance data, he explains how expectations, valuations, and diversification shape disciplined decision-making during periods of technological change and uncertainty.

Topics covered:

A client conversation about AI and uncertainty
Media narratives: AI as breakthrough vs. disruption
Market expectations versus emotional headlines
Recent performance: IGV vs. VOO and market rotation
How valuations influence future expected returns
The risks of concentration in high-growth sectors
Diversification and systematic rebalancing
Building resilience instead of predicting the future
Maintaining discipline during technological change

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this episode of Money & Meaning, host Jeff Bernier talks with Tommy Newberry—executive coach, Wall Street Journal and New York Times best-selling author, and founder of The 1% Club and head coach of Tommy Newberry Coaching. Together, they explore what it means to live with clarity, purpose, and intentionality, especially in the second half of life. Tommy shares the core habits behind lasting success, the risks of distraction and drift, and how gratitude and reflection help fuel a meaningful life. This conversation offers a framework for those planning their next chapter with energy and direction.

Topics covered:

Tommy's early career journey and founding Newberry Consulting
● The importance of doing work that energizes you
● Finding clarity on what you want versus what you don't want
● The key habits behind long-term success
● The Four D’s that derail progress: Distraction, Dispersion, Drift, and Delay
● Living with your priorities in order, not necessarily "balance"
● Developing habits and rhythms that support your goals
● How gratitude shapes mindset and impacts daily awareness
● The role of reflection in staying aligned with your vision
● Encouragement for midlife professionals in Act II of life
● Why retirement isn't the goal—building and solving remain vital
● Helping young adults create intention in their 20s

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/in/jeffberniercfp/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/
Tommy Newberry:
- https://www.linkedin.com/in/tommynewberry/
- https://www.tommynewberry.com/

In this perspectives episode of Money & Meaning, Jeff Bernier challenges the value of short-term market forecasts and urges listeners to focus instead on long-term financial planning. Drawing from recent blog posts and research by financial thinkers like Bob Seawright, Ruben Miller, and Larry Swedroe, Jeff outlines why predictions often miss the mark and how earnings yield can guide more meaningful expectations. He offers practical advice for building resilient portfolios, emphasizing humility, diversification, and focusing on what we can control in uncertain times.

Topics covered:

Why annual market forecasts are often unreliable
The psychological allure of financial predictions
The difference between short-term forecasts and long-term return assumptions
Insights from Bob Seawright’s “Forecasting Follies”
Ruben Miller’s satirical take on 2026 forecasts
How earnings yield helps set intermediate-term expectations
The role of the CAPE ratio in understanding market valuations
US market overvaluation and the case for international diversification
How government deficit spending has impacted recent market performance
Building resilient portfolios for retirees and pre-retirees
Practical portfolio planning principles for uncertain environments
Encouragement to focus on controllable factors and maintain realistic optimism

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/in/jeffberniercfp/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

TandemGrowth Financial Advisors (“TandemGrowth”), a registered investment adviser, is providing this video which is intended for general educational purposes and is not personalized investment advice. The information provided is not tailored to any individual's specific investment objectives, financial situation, or risk tolerance. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that TandemGrowth has attained a certain level of skill, training, or ability. While the content that will be presented is believed to be factual and up to date, it is based on information obtained from a variety of sources. TandemGrowth believes this information is reliable, however, it has not necessarily been independently verified. TandemGrowth does not guarantee the complete accuracy of all data in this video, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the presenter as of the date of the webinar and are subject to change. This video does not constitute personalized advice from TandemGrowth or its affiliated investment professionals, or a solicitation to execute specific securities transactions. Participants should not use any of this content as the sole basis for any investment, financial planning, tax, legal or other decisions. TandemGrowth is neither a law firm, nor a certified public accounting firm, and no portion of the video content should be construed as legal or accounting advice. We encourage attendees to conduct independent research and seek advice from qualified professionals before making any investment decisions. The information presented in this video should not be the sole basis for investment decisions. Past performance does not guarantee future results. All investment strategies have the potential for profit or loss, and different investments and types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or investment strategy, including those undertaken or recommended by TandemGrowth, will be profitable or equal any historical performance level. Additional information about our Firm, including its Form ADV Part 2A describing its services, fees, and applicable conflicts of interest and Form CRS is available upon request and at www.tandemgrowth.com.

In this episode of Money & Meaning, host Jeff Bernier speaks with Harrison Miller, Charitable Planning Consultant at Fidelity Charitable—the nation's largest grant maker. They explore how donor-advised funds offer families, business owners, and advisors strategic, tax-efficient ways to approach charitable giving. Harrison shares how these vehicles help donors align generosity with their values, optimize tax timing, and even involve future generations in giving.

Topics covered:

● Harrison’s career path and role at Fidelity Charitable

● What donor-advised funds are and how they work

● Tax benefits of contributing appreciated assets

● Strategic giving through bunching and timing deductions

● Differences between national donor-advised funds and community foundations

● Managing investments within donor-advised funds

● How grants are made to charities from the fund

● Contributing privately held assets and the planning required

● Using donor-advised funds to engage the next generation

● Options for fund succession and estate planning

● Current trends in charitable giving and legislative considerations

● Why donor-advised funds are gaining popularity over private foundations

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/
Harrison Miller on LinkedIn: https://www.linkedin.com/in/harrisonmiller

In this solo episode of Money & Meaning, Jeff Bernier explores how markets have a built-in ability to self-correct, a concept informed by his conversations with longtime colleague Larry Swedroe. Jeff ties together research from Joe Wiggins and Jason Zweig to explain how behavior, concentration risk, and market history reveal important lessons for investors. He also revisits the importance of broad diversification and TandemGrowth’s behavioral “bucket approach” for supporting client confidence in uncertain times.

Topics covered:

Behavioral traps investors face in fast-paced market environments
Joe Wiggins’ perspective on making slow, consistent, and infrequent decisions
Larry Swedroe’s concept of the self-healing mechanism of markets
How falling valuations increase expected future returns
Historical periods when stocks underperformed and rebounded strongly
Examples of self-healing in asset classes like value stocks, credit, private credit, and reinsurance
Jason Zweig’s analysis of AI-driven capital spending by big tech firms
The dangers of concentration risk—including going to all cash
Benefits of broad diversification across public and private markets
How the “bucket approach” helps reduce panic and support long-term strategy

Useful Links:

Jeff Bernier on LinkedIn
TandemGrowth Financial Advisors

Disclosures: This podcast is for informational purposes only and should not be considered tax or legal advice. Please consult your tax advisor for personalized guidance.

In this episode of Money & Meaning, host Jeff Bernier speaks with Kacie Walsh, Vice President at Dimensional Fund Advisors. They explore Dimensional’s evolving toolkit of tax-focused investment solutions designed to help clients keep more of what they earn. The conversation spans mutual funds, ETFs, SMAs, exchange funds, and 351 ETFs, explaining how each tool fits into a broader tax management strategy. Kacie also outlines how Dimensional’s daily, data-driven approach supports personalized portfolios and long-term efficiency for investors.

Topics covered:

Kacie Walsh’s professional background and current role at Dimensional Fund Advisors
Why Dimensional’s evidence-based, data-driven approach matters in tax-focused investing
Overview of tax loss harvesting and why fund and ETF lineup depth supports it
Differences in tax efficiency between ETFs and mutual funds—and how Dimensional narrows the gap
Update on Dimensional’s ETF share class application and what it means for investors
SMA (separately managed account) use cases, especially for high net worth individuals
How Dimensional’s SMAs differ from traditional direct indexing solutions
Behavioral and operational considerations of owning hundreds of individual securities
Understanding portfolio lock-up and how to plan for long-term SMA use
Exchange funds as tools for diversifying out of concentrated stock positions
351 ETFs as a strategy to consolidate appreciated securities tax efficiently
Overview of long/short SMAs and how they attempt to generate more tax alpha
How advisors and clients can assess the trade-offs in these advanced strategies

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/
Kacie Walsh on LinkedIn: https://www.linkedin.com/in/kacie-walsh-5787a297

In this episode of Money & Meaning, Jeff Bernier connects 17th-century philosophy with modern financial planning. Using Blaise Pascal’s wager as a framework, Jeff examines how retirement planning isn’t about certainty—but resilience. He discusses scenario analysis, the role of Plan B, and why the best financial plans aren’t fixed, but adaptable. This episode is a timely reminder that thoughtful preparation—not prediction—brings peace of mind in uncertain times.

Topics covered:

Applying Pascal’s Wager to financial planning
The role of low-probability, high-impact risks in retirement planning
Emphasizing resilience over prediction
Scenario analysis and its purpose in building flexible plans
The importance of maintaining a Plan B
Avoiding the mistake of confusing spreadsheets with reality
Why assumptions in planning must remain dynamic
The value of humility in planning for an unknowable future
Embracing flexibility in lifestyle, spending, and investments
“Strong opinions loosely held” as a financial philosophy
Confidence through preparation rather than prediction

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes Rob Hoxton, founder of Hoxton Planning & Management and host of the Last Paycheck podcast. Rob shares his journey from aspiring minister to financial planner, exploring how life experiences shaped his unique approach to wealth management. They examine the evolving role of financial advisors, the impact of AI, and how to define a meaningful retirement. The conversation offers a compelling look at purpose-driven financial planning, multi-generational firm growth, and Rob’s vision for making a difference in underserved communities.

Topics covered:

● Rob Hoxton’s path from ministry to financial planning

● The philosophy behind Grow Greener and Think Ahead

● Defining “live rich vs. die rich” in financial planning

● Experience at Goldman Sachs and returning to independence

● Working with his son and building a multi-generational firm

● The future of financial planning with AI and technology

● Using AI tools to enhance human connection in advising

● Childhood money memories and their impact on financial behavior

● Helping clients uncover what matters most through money mind exercises

● Reframing retirement as a purpose-driven next act

● Rob’s “why” and the mission to serve more families

● Launching Shepherd University's financial planning program

● Looking forward: Rob’s excitement for family, business, and mentorship

● Encouragement for listeners seeking the right financial advisor

Useful Links:

Rob Hoxton on LinkedIn
Hoxton Planning & Management
Last Paycheck Podcast
Jeff Bernier on LinkedIn
TandemGrowth Financial Advisors

In this Perspectives episode of Money & Meaning, host Jeff Bernier explores key year-end tax planning strategies shaped by recent legislation. He breaks down thresholds, deductions, and opportunities to optimize charitable giving—particularly through donor-advised funds and gifting appreciated securities. Jeff also covers how Roth conversions and qualified charitable distributions can be integrated into a comprehensive strategy aligned with both financial goals and personal values.

Topics covered:

Overview of the “One Big Beautiful Bill Act” and its impact on taxpayers
Importance of year-end tax planning under new legislation
Higher standard deduction and changes to itemized deductions
Adjusted income thresholds that affect Medicare premiums and deductions
Expansion and phase-out of SALT (State and Local Tax) deductions
Charitable gifting strategies using appreciated securities
Tax benefits of donor-advised funds for bunching donations
Qualified charitable distributions (QCDs) from IRAs for those over 73
Using Roth conversions in coordination with deduction strategies
Practical next steps for assessing your 2025 tax picture

Useful Links:

Jeff Bernier on LinkedIn
TandemGrowth Financial Advisors

Disclosures: This podcast is for informational purposes only and should not be considered tax or legal advice. Please consult your tax advisor for personalized guidance.

In this episode of Money & Meaning, host Jeff Bernier speaks with Carl Richards, certified financial planner and creator of the New York Times "Sketch Guy" column. Carl discusses his newest book, Your Money: Reimagining Wealth in Simple Sketches, a collection of drawings and essays that spark meaningful financial conversations. Together, they explore why strong financial decisions often begin with reflection, how we view money differently, and the value of building general resilience. Carl also shares practical approaches to planning and decision-making that align money with personal values.

Topics covered:

Carl’s motivation behind his new book and the role of financial conversations
How our individual experiences shape how we see money
The purpose and impact of a one-page financial plan
Identifying and preparing for risks you don’t see coming
Why “strong opinions loosely held” is a powerful planning framework
A three-part mindset for embracing uncertainty and making progress
Aligning money decisions with what truly matters

Useful Links:

Carl Richards on LinkedIn: https://www.linkedin.com/in/thinkingcarl/
Behaviour Gap' Website: https://behaviorgap.com/
Jeff Bernier on LinkedIn: https://www.linkedin.com/in/jeffberniercfp/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning: Perspectives, host Jeff Bernier explores the tension between recognizing serious economic headwinds—such as massive government debt, rising interest rates, and a shifting global financial system—and maintaining a posture of rational optimism. Drawing on insights from Howard Marks, Brian Westbury, Matt Ridley, Mion Tuby, Gail Pooley, and Nick Murray, Jeff examines how to address sobering realities while staying committed to progress, resilience, and long-term investing. It’s a call to balance—informing your perspective without letting fear dictate your financial or life decisions.

Topics covered:

● The reality and risks of rising U.S. government debt and higher interest costs

● Howard Marks’ concerns about ignoring economic fundamentals

● Brian Westbury’s warning on government crowding out private innovation

● Foreign demand for U.S. debt and potential consequences of decline

● The psychological trap of pessimism in investing and life decisions

● Matt Ridley’s framework for rational optimism

● Data from Superabundance on human progress and resource abundance

● Nick Murray’s reminder to “own the future” through consistent participation

● The role of resilience in both economies and investment portfolios

● Diversification as a tool for emotional and financial stability

● Practical ways to stay informed without becoming paralyzed by fear

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes Neil Bage, co-founder of Shaping Wealth, for a wide-ranging conversation on the human side of financial decision-making. They explore how neuroscience, behavioral science, and the pursuit of “funded contentment” intersect in personal finance. Neil shares his journey, the mission of Shaping Wealth, and frameworks like Ikigai to help individuals live more meaningful financial lives. A must-listen for advisors and investors alike addressing life’s transitions.

Topics covered:

Neil Bage's career path from sports science to behavioral finance
The founding and mission of Shaping Wealth
The concept of “funded contentment” and what it means in practice
How neuroscience supports the pursuit of a meaningful life
The Japanese concept of Ikigai and its application in discovering purpose
Why the human brain is poorly equipped for modern financial decision-making
Behavioral tendencies and the challenges of delayed gratification
The dangers of overstimulation and decision overload
Misconceptions about “irrational” investor behavior
The powerful role of financial advisors in reducing cognitive stress
Brain scan research that validates the benefits of quality advice
The emotional and relational value of guidance in uncertain markets

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
Neil Bage on LinkedIn: https://uk.linkedin.com/in/neilbage
Shaping Wealth: https://www.shapingwealth.com/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier reflects on the passing of his father—his personal “George Bailey”—and explores the implications of living longer in today's evolving retirement landscape. Jeff outlines the financial risks and opportunities of extended longevity, including inflation, healthcare costs, market volatility, and potential benefit cuts. He shares how both individuals and the financial industry can adapt their planning strategies to better prepare for a longer, more purposeful retirement.

Topics covered:

Reflections on Jeff’s father and a life of purpose
The impact of increased life expectancy on retirement planning
Longevity risk and the fear of outliving one’s savings
Rising healthcare costs and the role of HSAs
Inflation, market volatility, and behavioral investment risks
Early vs. delayed retirement decisions and flexible retirement paths
Potential Social Security benefit cuts and higher tax burdens
Economic headwinds: government debt, slower growth, and lower returns
"Deep risk" vs. shallow risk in portfolio planning
Strategies for broader diversification in uncertain times
Role of technology and auto-enrollment in retirement plans
Importance of financial planning, adaptability, and investor behavior

Useful Links:

Jeff Bernier on LinkedIn
TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier welcomes back Larry Swedroe, author, consultant, and former Director of Research at Buckingham Strategic Wealth. They explore how retirees and pre-retirees can construct portfolios that reduce risk, smooth returns, and withstand market shocks. Larry breaks down key principles of evidence-based investing, the importance of understanding risk tolerance, and the evolving role of alternative assets like private credit and reinsurance in modern portfolios.

Topics covered:

Defining ability, willingness, and need to take investment risk
Understanding the three-legged risk assessment framework for retirement planning
The philosophy and principles behind evidence-based investing
Core criteria for evaluating investment assets and risk factors
Why beating the market is increasingly difficult for active managers
Strategic use of factors like value, quality, momentum, and small-cap stocks
Introduction to private market investments and their role in reducing sequence risk
Characteristics and advantages of reinsurance, private credit, and infrastructure
The role of illiquidity as a feature—not a bug—in long-term investing
Shifts in the accessibility and cost of alternative investments
How retirees can improve risk-adjusted returns through smarter diversification
Common misconceptions around timing and liquidity in private markets
Evaluating alternatives based on implementation cost and diversification

Useful Links:

Jeff Bernier on LinkedIn
Larry Swedroe on LinkedIn
Larry Swedroe on Substack
TandemGrowth Financial Advisors

In this short-form edition of the Money & Meaning Show, Jeff Bernier shares a perspective on simplifying investment thinking during uncertain times. He outlines three fundamental binary choices investors face: having faith in the future or not, being goal-focused versus performance-driven, and choosing to own businesses versus lending to them. Jeff encourages listeners to return to first principles as they consider how to position themselves for long-term financial success.

Topics covered:

• Why investing is simple, but not easy

• The importance of returning to first principles in volatile times

• Faith in the future vs. pessimism

• Being goal-focused and planning driven vs. market-focused and performance driven

• Ownership of the world’s great businesses vs. lending through fixed income

• How long-term optimism impacts investment outcomes

• Historical stock market performance as context for rational optimism

• Simplifying investment decisions to cut through daily noise

Useful Links:

Jeff Bernier on LinkedIn
TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier speaks with Rubin Miller, founder and Chief Investment Officer of Peltoma Capital Partners and author of the Fortunes and Frictions blog. They explore Rubin’s journey from trading floors to founding a boutique advisory firm, discuss market philosophy, and examine the tension between serving high-net-worth clients and reaching broader audiences. Rubin shares his views on investment process, financial planning, and what it means to live a meaningful life—both personally and professionally.

Topics covered:

Rubin’s professional path from bond trading to launching Peltoma Capital
His firm’s investment philosophy: market efficiency, diversification, and implementation
Thoughts on small-cap and value premiums
How bond portfolios are influenced by the shape of the yield curve
The difference between financial planning timelines and academic investment research
Role of financial advisors: planning vs. investment management
Frictions that prevent investors from executing sound strategies
Rubin’s passion for making financial education accessible to all
Defining “a perfect day” and the broader idea of fortune
Reflections on personal growth and recovering from setbacks

Useful Links:

Jeff Bernier on LinkedIn
Peltoma Capital Partners
TandemGrowth Financial Advisors

In this Perspectives episode of The Money & Meaning Show, Jeff Bernier explores how long-term investors can maintain confidence amid economic uncertainty. He outlines the frequency of recessions across a typical retirement span and emphasizes the importance of diversification, revisiting foundational investment principles. Drawing on insights from Joe Wiggins' recent blog, Jeff addresses the dangers of "line-item thinking" and highlights how a holistic approach to portfolio construction can lead to better outcomes over time.

(Note: This episode was recorded on April 1, 2025. Charts in the broadcast are as of March 31, 2025.)

Topics covered:

Historical frequency of recessions and their relevance to retirement planning
Life expectancy and planning for longevity in retirement
Why long-term investment policy should remain steady through market noise
Economic uncertainties under the new administration
The risks of reacting to short-term market predictions
Concept and consequences of "line-item thinking"
Performance comparison of U.S. vs. international equities
Asset class analysis: small value vs. large core equities
Role of bonds in a diversified portfolio during downturns
Key takeaways from Joe Wiggins' blog on behavioral finance
Building resilient, anti-fragile portfolios for long-term success
The real risk: inability to meet financial goals
The importance of thinking holistically about portfolios

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/
Joe Wiggins' Behavioural Investment blog: https://behaviouralinvestment.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes Ben Katt, author of The Way Home: Discovering the Hero’s Journey to Wholeness in Midlife. Ben is a transformation coach, meditation teacher, and former pastor who helps individuals navigate personal growth and midlife transitions. Together, they explore the significance of Joseph Campbell’s Hero’s Journey, the process of leaving the familiar, facing the unknown, and returning to a renewed sense of self. Ben shares insights on spirituality, purpose, and belonging, offering practical guidance for those moving into the next chapter of their lives. This conversation is invaluable for mid-to-late career individuals seeking meaning and direction beyond financial success.

Topics covered:

Joseph Campbell’s Hero’s Journey and its relevance to personal transformation
The three stages of the journey: leaving the familiar, falling into the unknown, and rising to wholeness
Identifying and responding to the "call to adventure" in life transitions
The importance of solitude, mindfulness, and self-reflection in discovering personal purpose
How unresolved childhood patterns shape adult identity and decision-making
Learning to embrace uncertainty and trust in life's unfolding process
The impact of societal expectations and achievement-driven identities
Finding fulfillment beyond financial success in midlife and retirement
The role of meditation, spiritual practice, and community in personal growth
Practical steps for stepping into a new phase of life with intention

Useful Links:

Jeff Bernier on LinkedIn
Ben Katt on LinkedIn: https://www.linkedin.com/in/benkatt
Ben Katt: https://www.benjaminkatt.com/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this Perspectives episode of Money & Meaning, host Jeff Bernier shares insights on handling uncertainty during challenging times. Reflecting on past crises—9/11, the Great Financial Crisis, and the COVID-19 pandemic—Jeff explores how emotions can cloud judgment and why it's essential to develop strategies for managing risk and uncertainty. He provides practical advice on staying grounded, focusing on long-term goals, and avoiding fear-based decision-making. Whether you're feeling anxious about political change, market fluctuations, or the broader economic landscape, this episode offers a thoughtful approach to maintaining clarity and confidence in uncertain times.

Topics covered:

The cyclical nature of uncertainty and how history offers perspective
The difference between risk (manageable) and uncertainty (unbounded)
The importance of journaling as a tool for reflection and growth
Strategies for handling uncertainty:
Clarifying personal values and beliefs
Maintaining faith in the future and a long-term perspective
Being selective about the media and content consumed
Focusing on relationships, opportunities, and personal growth
Practicing gratitude and avoiding reactionary decision-making
Why politics should not drive investment decisions
The role of goal-focused, planning-driven investing versus market-focused, performance-driven investing

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/in/jeffberniercfp/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes Phil Huber, Managing Director and Head of Portfolio Solutions at Cliffwater. Phil is also the author of The Allocator’s Edge, a modern guide to alternative investments and portfolio diversification. They discuss the evolving role of alternative investments, the challenges facing traditional 60/40 portfolios, and how private markets and new fund structures are reshaping opportunities for financial advisors and individual investors. This episode is essential listening for those looking to build more resilient, well-diversified investment strategies.

Topics covered:

Phil Huber’s background and career journey in wealth management and alternative investing
The definition and misconceptions of alternative investments
The rise of private credit, private equity, and interval funds
Why liquidity matters and how it impacts returns
Challenges of the traditional 60/40 portfolio in today’s market environment
The role of private markets in retirement income planning
How rising bond yields affect portfolio allocation decisions
Key considerations for investors exploring alternative investments

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
Phil Huber on LinkedIn: https://www.linkedin.com/in/phil-huber
Cliffwater: https://www.cliffwater.com/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this special "Money & Meaning Perspectives" episode, host Jeff Bernier shares key insights from recent readings and market trends to help listeners make informed financial decisions. He explores the concept of financial bubbles, including lessons from historical market cycles and current concerns surrounding the concentration of a few major stocks. Jeff also discusses recent breakthroughs in artificial intelligence with the rise of DeepSeek and its potential impact on industries, alongside the importance of international diversification in investment strategies. Tune in for a concise yet insightful update on market trends and strategic investing.

Topics covered:

The concept of financial bubbles and historical market cycles
Lessons from the 1920s auto industry and the 1999 dot-com boom
Insights from Howard Marks on market valuation concerns
The rise of DeepSeek AI and its disruptive impact on the tech sector
Comparisons between the current AI boom and past technological revolutions
The importance of international diversification in investment portfolios
U.S. market dominance and historical parallels with Japan’s market rise
Valuation considerations when investing in different global markets
The role of diversification in managing investment risk

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier interviews Hunter Ewing, co-founder and director of Private Lines Insurance at Higher Ground Risk. They explore the essentials of risk management, including protecting assets, managing liability, and understanding insurance coverage in today’s evolving insurance market. Hunter shares industry insights, practical advice, and personal anecdotes that highlight the importance of proactive financial protection.

Topics covered:

The fundamentals of risk management in personal financial planning
Common types of personal insurance: home, auto, umbrella, and valuable articles coverage
The impact of severe weather events on insurance costs
Key considerations when purchasing flood insurance
Recent industry changes in insurance underwriting and coverage
Misconceptions about personal insurance and financial planning integration
The importance of working with independent insurance agents
Best practices for maintaining adequate insurance coverage
How to evaluate insurance needs for new home purchases and renovations

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
Hunter Ewing on LinkedIn: https://www.linkedin.com/in/hunter-ewing-5460a2a2
High Ground Company: https://www.highgroundcompany.com/copy-of-hunter-ewing
Tandem Growth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier welcomes back Dr. Daniel Crosby, a New York Times bestselling author and Chief Behavioral Officer at Orion. Together, they discuss concepts from Crosby’s new book, The Soul of Wealth, exploring how financial well-being intersects with psychology and personal growth. From defining “soulful wealth” to the psychology behind money and happiness, the conversation offers practical insights on aligning financial decisions with what truly matters for a fulfilling life.

Topics covered:

Overview of Dr. Crosby’s career and role as Chief Behavioral Officer at Orion
Exploring The Soul of Wealth and its unique, contemplative format
Defining “soulful wealth” and why wealth is about more than finances
The impact of meaningful work on life satisfaction and wealth
Research findings on money and happiness
Spending habits that contribute to lasting happiness and fulfillment
The link between generosity, well-being, and the concept of “wealth”
Behavioral insights for better financial decision-making
The importance of flexibility in financial planning to accommodate personal growth
Unique financial strengths and investment tendencies of women
Setting deeply personal, meaningful financial goals for stronger motivation

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
Daniel Crosby on LinkedIn: https://www.linkedin.com/in/danielcrosby
Orion: https://orion.com/
TandemGrowth Financial Advisors: https://www.tandemgrowth.com/

In this episode of Money & Meaning, host Jeff Bernier sits down with Sherry Finkel Murphy, founder and CEO of Madrina Molly LLC. Sherry is a seasoned financial planner who focuses on helping midlife women navigate the complexities of financial and longevity planning. They explore the challenges faced by women in the "Triple Decker Club Sandwich Generation," discuss strategies for reinventing life after 50, and dive into Sherry’s mission to provide financial education through her community platform, Madrina Molly. This conversation offers valuable insights for those seeking to align their financial resources with their personal values and life goals.

Topics covered:

Challenges of the "Triple Decker Club Sandwich Generation" and its impact on midlife women.
Sherry’s career journey from financial planner to the founder of Madrina Molly.
Common financial and emotional struggles among midlife women, including shame around money.
The importance of financial education and empowering women over 50.
Strategies for reinventing life after 50, including Sherry’s concept of the “glide path.”
Insights on longevity planning and how it intersects with health, location, financial, and purpose planning.
The need for community and purpose in aging and retirement.
Balancing caregiving responsibilities with personal ambitions and business pursuits.
Building a supportive community for women navigating midlife transitions.

Useful Links:

Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/
Sherry Finkel Murphy on LinkedIn: https://www.linkedin.com/in/sherryfinkelmurphy
Madrina Molly: https://www.madrinamolly.com/
Tandem Growth Financial Advisors: https://www.tandemgrowth.com/

In this episode of the Money & Meaning Show, host Jeff Bernier welcomes Apollo Lupescu, Vice President of Dimensional Fund Advisors. Apollo, known as the “Secretary of Explaining Stuff,” discusses how investors can make sense of financial markets during election years. He shares his insights on investment philosophies, the impact of political events on markets, and strategies for maintaining focus amidst noise. Tune in to learn how to make more informed investment decisions in politically charged times.

Topics Covered:

Introduction to Apollo Lupescu and his journey with Dimensional Fund Advisors
Overview of Dimensional’s investment philosophy and core principles
How to think about market uncertainty during election years
The historical performance of markets during election years and what investors can learn
Debunking common myths about the impact of political policies on specific sectors
Evaluating the economic burden of national debt and its influence on investment strategies
The importance of focusing on data-driven decisions over emotional reactions
Final thoughts on separating politics from investment decisions

Useful Links:

Jeff Bernier on LinkedIn
Apollo on LinkedIn
Dimensional Fund Advisors
TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier talks with James Grace, Director of Wealth Management at Silver Pine Capital and host of the Modern Financial Wellness podcast. They explore the evolving nature of the wealth management industry, emphasizing holistic financial planning that encompasses not just financial health but also personal fulfillment and purpose. James shares his journey through the financial services landscape and offers insights into how individuals can achieve financial wellness and well-being. Together, they discuss the importance of aligning actions and resources with personal values and goals.

Topics covered:

Introduction to James Grace and his role at Silver Pine Capital.
Evolution of the wealth management industry toward holistic planning.
Differences between financial wellness and financial well-being.
James's career path from biotech sales to wealth management.
The role of behavioral finance and client discovery in financial planning.
The significance of aligning financial strategies with personal values.
The importance of ongoing financial advice and support.
Business models in the financial advisory industry.
Insights from the Modern Financial Wellness podcast.

Useful Links:

Jeff Bernier on LinkedIn
James Grace on LinkedIn
Silver Pine Capital
Modern Financial Wellness Podcast
TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier speaks with Gabrielle Welter, a retirement solutions manager at Finance of America. They explore the topic of reverse mortgages, dispelling common myths and misconceptions. Gabrielle explains how these financial tools can provide stability and peace of mind for retirees, addressing key challenges like healthcare costs and market volatility. The discussion delves into the specifics of Home Equity Conversion Mortgages (HECMs), including their benefits, costs, and strategic uses in retirement planning.

Topics Covered:

Introduction to reverse mortgages and common misconceptions
Gabrielle Welter's background and career journey
The evolution and safety measures of reverse mortgages
Strategic uses of HECMs in retirement planning
The financial and psychological benefits of reverse mortgages
Differences between HECMs and traditional mortgages
Suitability and scenarios for using reverse mortgages
Costs and insurance protection associated with HECMs
Resources for further information on reverse mortgages

Useful Links:

Jeff Bernier on LinkedIn
Gabrielle Welter on LinkedIn
Finance of America
TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier interviews Larry Swedroe, a renowned author and expert in evidence-based investing. They discuss Larry's journey and contributions to the financial industry, his approach to investment strategies, and the importance of diversifying portfolios. Larry shares insights on financial planning, the role of fixed income, and the benefits of alternative investments. This episode offers valuable advice for retirees and those seeking a robust investment strategy.

Topics Covered

Larry Swedroe's career and contributions to financial education
Importance of evidence-based investing
Historical performance of various asset classes
Role of fixed income in portfolios
Benefits and risks of alternative investments
Challenges retirees face in financial planning
Behavioral aspects of investing
Diversification and its impact on portfolio performance

Useful Links:

Larry Swedroe on LinkedIn
Jeff Bernier on LinkedIn
TandemGrowth Financial Advisors

In this episode of Money & Meaning, host Jeff Bernier interviews Paul Ollinger, a former Facebook employee turned stand-up comedian and podcast host of Crazy Money. They discuss Paul's journey from the corporate world to comedy, exploring the themes of finding purpose and meaning beyond financial success. The episode offers valuable insights for mid-to-late career executives planning their next steps and navigating life's transitions.

Topics covered:

Transitioning from a corporate career to pursuing personal passions
Challenges and realizations in leaving a high-stress job for stand-up comedy
Impact of Facebook's rapid growth on Paul's career decisions
Finding purpose and fulfillment beyond financial success
Emotional and psychological challenges of retirement
Advice for planning life after a corporate career
Dangers of constant comparison in affluent communities
Importance of meditation, presence, and personal growth

Useful Links:

Jeff Bernier on LinkedIn
Paul Ollinger on LinkedIn
Crazy Money Podcast
Tandem Growth Financial Advisors

Join Host Jeff Bernier and Guest Ryan Frederick, founder of the Here movement, as they delve into the importance of place planning and healthy longevity. From personal journeys to proactive wealth management, this episode offers insights into living a fulfilling second half of life.

Here is a movement to reshape how we live by helping people better understand the importance of place and by creating tools and frameworks for individuals to make more informed decisions about where to call home.

According to Ryan, Where You Live Matters. Where you live is much more than a physical place. It is one of the most important decisions you make. It shapes your purpose, relationships, health, financial wellbeing and more.

Topics Covered:

Introduction to holistic wealth management
Ryan's journey from Silicon Valley to thought leader in healthy longevity
Aligning spirituality and purpose in life
Balancing present enjoyment with future preparation
The impact of place on well-being and aging
Recommendations for a balanced approach to planning
Ryan's book, "Right Place, Right Time," and resources on here.life
The evolving role of place planning in wealth management

Are you in the right place for a long, health and financially secure life? Take Ryan's free assessment.

Ryan's book: Right Place, Right Time: The Ultimate Guide to Choosing a Home for the Second Half of Life

Interested in learning more about holistic wealth management? Check out TandemGrowth Financial Advisors.

Right Place, Right Time: The Ultimate Guide to Choosing a Home for the Second Half of Life

In this enlightening episode of The Money & Meaning Show, host Jeff Bernier teams up with Dr. Jordan Hutchison, a leading figure in wealth management and psychology, to explore the concept of flow in financial advising. Dr. Hutchison, who serves as Vice President of Technology and Operations at RFG Advisory and is an adjunct professor for Kaplan's College for Financial Planning, shares how integrating behavioral finance and positive psychology can amplify personal fulfillment through financial clarity.

What is "Flow"? What benefits can it provide for advisors and clients?

- Dr. Hutchison explains the concept of flow as a state of deep absorption in activities that are intrinsically motivating and enjoyable. Examples from various fields such as music, sports, and crafts like knitting demonstrate how flow can enhance productivity and satisfaction across different activities.
- Dr. Hutchison describes how "flow" can lead to an increase in productivity, creativity, and well-being.

What is Technology's Role in Financial Advising? Will AI replace human advisors?

- Dr. Hutchison discusses integrating technology to optimize financial advisors' work environments, enabling them to spend more time on meaningful client interactions.
- He emphasizes the importance of the human element in financial advising, asserting the irreplaceable nature of personal connections despite advances in AI and automation.

How Can Incorporating Behavioral Science into Designing Tech Solutions Improve the Experience?

- The application of behavioral science principles in designing technology solutions to create environments that foster productivity and satisfaction is highlighted.

Host Jeff Bernier and guest Rachael Levine, partner at Peltoma Capital Partners and creator of "Tripping Millennial," delve into the enriching power of experiences over material wealth.

In this episode, you'll discover:

Rachel's journey from seeking financial stability to embracing a life filled with travel and personal growth 🌐
The impact of an "adult gap year" on personal growth and happiness (Rachael's took her to over 36 countries!) 😊
How Rachael says we can experience the world more deeply through sabbaticals, remote work experiences, and long term travel opportunities 🌍 acquiring experiences > acquiring things
A debate on the F.I.R.E. (Financial Independence Retire Early) movement and the potential pitfalls of the movement 🔥
Tips for balancing career, passion projects, and adventure 🌟

➡️➡️ Click here to view full video! ⬅️⬅️

We'd love to hear your ideas on topics you'd like covered in future episodes! Please feel free to email: moneyandmeaning@tandemgrowth.com.

Find out more about Rachael Levine 👇 https://www.peltomacapital.com/team/rachael-levine

Tripping Millenial 🗺️ https://www.trippingmillennial.com/ https://www.instagram.com/trippingmillennial/

Interested in knowing more about Jeff? View his latest release here 📖 https://www.jeffbernierauthor.com/

Interested in knowing more about TandemGrowth Financial Advisors? 🪴https://www.tandemgrowth.com/

TandemGrowth Financial Advisors (“TandemGrowth”), a registered investment adviser, is providing this podcast which is intended for general educational purposes and is not personalized investment advice. The information provided is not tailored to any individual's specific investment objectives, financial situation, or risk tolerance. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that TandemGrowth has attained a certain level of skill, training, or ability. While the content that will be presented is believed to be factual and up to date, it is based on information obtained from a variety of sources. TandemGrowth believes this information is reliable, however, it has not necessarily been independently verified. TandemGrowth does not guarantee the complete accuracy of all data in this video, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the presenter as of the date of the webinar and are subject to change. This video does not constitute personalized advice from TandemGrowth or its affiliated investment professionals, or a solicitation to execute specific securities transactions. Participants should not use any of this content as the sole basis for any investment, financial planning, tax, legal or other decisions. TandemGrowth is neither a law firm, nor a certified public accounting firm, and no portion of the video content should be construed as legal or accounting advice. We encourage attendees to conduct independent research and seek advice from qualified professionals before making any investment decisions. The information presented in this video should not be the sole basis for investment decisions. Past performance does not guarantee future results. All investment strategies have the potential for profit or loss, and different investments and types of investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment or investment strategy, including those undertaken or recommended by TandemGrowth, will be profitable or equal any historical performance level. Additional information about our Firm, including its Form ADV Part 2A describing its services, fees, and applicable conflicts of interest and Form CRS is available upon request and at www.tandemgrowth.com.

Host Jeff Bernier welcomes guests Doug and Heather Boneparth to this episode!

Doug and Heather delve into the key elements of fostering a healthy financial relationship between partners:

🤝 Connection: Start by initiating conversations about your money beliefs and behaviors, using resources like therapist-guided questionnaires to guide the discussion.

🗣️ Communication: Schedule dedicated times for distraction-free discussions, ensuring both partners have the space to express their thoughts and feelings about finances without interruptions.

➕ Contribution: Recognize and honor each other's contributions to the relationship, going beyond financial aspects to include personal contributions and household responsibilities.

🛠️ Collaboration: Establish transparency by understanding where money is coming from and going, utilizing tools like net worth tables and budgeting spreadsheets to facilitate productive conversations about financial decisions.

⏰ Consistency: Commit to regular check-ins, ideally on a quarterly basis, to review changes in net worth, spending habits, and overall financial goals, fostering long-term financial health and relationship strength.

----more----Check out Doug and Heather's book 📙 https://bonefidewealth.com/millennial-money-fix/

Check out Jeff's book 📗 https://www.jeffbernierauthor.com/

----more----

Interested in knowing more about TandemGrowth Financial Advisors? 🪴https://www.tandemgrowth.com/

Join host Jeff Bernier, President of TandemGrowth Financial Advisors, and guest Ben Felix, Portfolio Manager and Head of Research at PWL Capital, for an enlightening episode of The Money & Meaning Show.

Ben Felix shares insights from renowned experts in academia and the financial industry, shedding light on the consensus that owning the market portfolio through low-cost index funds is an excellent starting point for most investors. The conversation also explores the nuances of differentiating from the market—a point of contention among experts.

Furthermore, they discuss Professor Scott Cederberg whose research focuses on the long-horizon performance of a range of asset classes and investment types and what the implications may be for retail investors, challenging conventional wisdom that stocks always outperform in the long run and advocating for global diversification.

Ben Felix shares insights from interviews with retirement experts, highlighting the importance of embracing uncertainty as investors. Jeff and Ben highlight the role of financial advisors in helping clients navigate uncertainty, creating portfolios aligned with their goals, and providing reassurance during market downturns. The discussion underscores that the art of financial planning and advisory services and how it complements the scientific analysis of asset allocation, as clients' trust and the ability to stick with a chosen strategy are crucial factors in long-term success.

Investing #EvidenceBasedInvesting #LongTermInvesting

In this special year-end episode of The Money & Meaning Show, host Jeff Bernier delves into the theme of positivity and optimism. Despite the challenges and negativity that often dominate the headlines and social media, Jeff presents a data-driven perspective on the progress humanity has made in various aspects of life. Drawing from historical and contemporary data, he shares insights on economic growth, poverty reduction, increased life expectancy, and more.

Jeff encourages listeners to adopt a rational optimism mindset and reflects on how focusing on the positive can inspire personal growth and a sense of purpose. This episode serves as a refreshing reminder to appreciate the progress we've made and look forward to the opportunities that lie ahead in 2024.

Join host Jeff Bernier and special guest Wealth Advisor Mona Fahmy as they dive into the world of year-end financial planning and what it may entail at different life stages. Whether you're still advancing your career and focused on building wealth or navigating retirement, this episode is packed with insights regarding items you might consider for an end of year financial checklist.

Learn more about items to review at year end related to open enrollment, tax efficiency, healthcare, charitable giving, cash flow, portfolio management, estate planning, and more!

🎧 Listen to the episode on your favorite podcast provider or download the episode by clicking here..

📽️ Watch the full episode on YouTube by clicking here.

TandemGrowth Financial Advisors (“TandemGrowth”), a registered investment adviser, is providing this podcast which is intended for general educational purposes and is not personalized investment advice.

financialplanningchecklist #financialreview

Host Jeff Bernier welcomes special guest Matt Reiner to explore a wide range of topics that are at the forefront of the financial advisory world:

The curse of knowledge: Learn why it's crucial for leaders and growing entrepreneurs to balance their experience with a willingness to adapt and allow new ideas to flourish within their organizations.
Unique challenges of family businesses: Matt shares his personal experiences and lessons learned from working in a family business.
Finding a financial advisor: Learn how to trust your instincts and build a relationship that's based on trust, comfort, and authenticity. The authentic culture of a firm will ooze from its employees.
Are financial advisors at risk of being replaced by AI? Jeff and Matt discuss how AI is transforming the industry and why the human touch remains invaluable. They explore the evolving value proposition of financial advisors and how AI can ultimately benefit clients.
Creating space for creativity: Being purposeful with time and allowing oneself to become bored can be helpful for fostering creativity. Matt encourages maintaining a constant level of curiosity and looking beyond one's immediate field of expertise to gain new perspectives and ideas.

Matt Reiner is a CFA® Charterholder, CERTIFIED FINANCIAL PLANNER™, and partner at Capital Investment Advisors, a RIA in Atlanta, Georgia. Additionally, Matt is the managing partner of Wela Strategies, a RIA that deals with the investment needs of the mass affluent.

Jeff Bernier is a CERTIFIED FINANCIAL PLANNER™, Certified Fund Specialist, Chartered Financial Consultant, and President of TandemGrowth Financial Advisors, LLC a RIA in Alpharetta, GA. He has been providing personalized financial advice to individuals and families since 1986. Jeff is the author of The Money & Meaning Journey: A guide to clarity, financial confidence, and joy.

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Host Jeff Bernier, CFP®, ChFC, CFS welcomes guest Wes Crill, Senior Investment Director and Vice President, Dimensional Fund Advisors, to The Money & Meaning Show podcast!

In this episode, Wes and Jeff dive deep into the world of investments! They cover a wide range of topics, including:

💰👩‍⚕️Understanding the difference between financial capital and human capital and how their impact and risk profile change throughout our lives

🌟 Exploring the fundamentals of factor investing, the characteristics associated with higher expected returns, and how to determine how far to tilt

🪙 Delving into the world of fixed income, its relevance when cash is yielding nearly 5%, and discussing strategies to manage different types of risks with it

🤖 Wes's intriguing perspective on Artificial Intelligence and its potential impact (or lack thereof) on capital markets and investment strategies.

MoneyAndMeaning #InvestmentInsights #FactorInvesting #ArtificialIntelligence #FinancialIntelligence

Dimensional Fund Advisors, founded in 1981, has a long history of applying academic research to practical investing. They offer a full range of equity and fixed income strategies designed to target higher expected returns. Learn more by clicking here.

TandemGrowth Financial Advisors, founded in 2003, offers you a big advantage: an on-call financial advisor who will get to know you and collaborate with you. TandemGrowth believes the high value they place on client relationships sets them apart from other investment advisors. Together, you and TandemGrowth can create a customized financial strategy and they'll be there to help navigate all of life’s financial choices. Learn more by clicking here.

In today's episode, President and Wealth Advisor Jeff Bernier, CFP®, ChFC, CFS delves into the world of investing and explores how a well-defined investment philosophy can be your guiding light through market turmoil and triumphs.

📈 From the Great Financial Crisis to the dominance of AI-driven stocks, we journey through changing financial landscapes over our investing lifetime. Uncovering the power of a solid investment strategy may help long-term investors stay the course.

🌐 Jeff discusses the importance of understanding who you are and what you believe, and how these factors shape your investment choices. Take inventory of your resources – both financial and non-financial – and craft a strategic plan that enables you to stick to it even in challenging times.

🔑 Learn broad principles for long-term investing: thinking beyond the now, diversifying wisely, and keeping costs low while tax efficiency remains high. Discover how managing behavior and expectations can be pivotal in your investment journey, as we decode the happiness equation: reality - expectations.

🌍 Owning the world’s great businesses has proven to be an effective wealth-building strategy. We explore how the last 50 years have seen remarkable growth, with US stocks increasing about 32 times, driven by factors such as population growth and innovation.

🛤️ Join Jeff as he outlines key principles to implementing a long-term investment portfolio, backed by evidence-based research. He'll also dive into the importance of diversification across asset classes and the recognition that the future might not always mirror the past.

🎯 The ultimate goal? Helping you build and preserve wealth over time, by staying true to your investment philosophy. Tune in to this episode to gain valuable insights and strategies that may empower you to weather market fluctuations and build a prosperous financial future.

https://www.tandemgrowth.com/resources/money-meaning-show

InvestmentPhilosophy #StayTheCourse #RationalInvesting

In today's episode, host Jeff Bernier, CFP®, ChFC, CFS welcomes special guest Bruce Johnsen, a former US Navy line officer, Vietnam veteran, and current management consultant to share his inspiring journey from the Navy to consultancy. Bruce reflects on his early days in the Navy and struggles he faced when retiring at the early age of 45. Bruce shares some interesting stories from many years of international work and goes on to offer the life lessons he has learned so far at 85 years young. Jeff and Bruce delve into an insightful discussion on Mitch Anthony's concept "work" and how the role and reason for work evolves through one's lifetime.

Join host Jeff Bernier in a profound exploration alongside best-selling author Dr. Allen Hunt as they delve into the concept of living a life without regrets. Can it truly be accomplished?

Drawing upon his moniker as the renowned "Fourth Quarter Guy" and a wealth of extensive research on aging, dying, and regrets, Dr. Hunt delves into the 8 common regrets that haunt the dying. From these findings, he unearths 5 fundamental keys that pave the way towards living and departing without regrets.

No matter what quarter of life you are in, prepare to be inspired as they share invaluable insights on how you can incorporate these keys into your life and financial plan!

In the episode, host Jeff Bernier welcomes guest Cameron Passmore, CIM®, FMA, FCSI, Executive Chairman and Portfolio Manager at PWL Capital in Canada.

Cameron shares his firm's strong belief in evidence-based investing and why they believe so strongly in the philosophy. Jeff and Cameron discuss the importance of an advisor's role in going deep with clients who often aren't thinking broadly enough or deeply enough when it comes to formulating goals. The episode concludes with the topic of portfolio construction - why it's crucial to know your definition of risk, the importance of a plan and sticking with it, and what the industry loves to sell you but Cameron believes isn't needed.

Check out PWL's white paper on non-financial considerations they've deemed worthy of consideration in financial decisions: Finding and Funding a Good Life

Find Jeff's latest release, The Money & Meaning Journey, which covers many of the same topics discussed in this podcast in more depth here.

Navigating Social Security can be tricky and confusing. That's why we invited special guest Alicia Lipscomb to The Money & Meaning Show to share her expertise on maximizing Social Security benefits.

Alicia has been with the Social Security Administrator for over 22 years, and she will help you understand the ins-and-outs of Social Security so that you can make sure you are getting the most out of your benefits. In this podcast, she'll go over strategies to maximize payments, tips for spousal benefits, and much more.

Tune in now for all these tips and more!

In today's episode, Jeff welcomes bestselling author and founder of Shaping Wealth Brian Portnoy, Ph.D., CFA to discuss the difference between being "rich" and being "wealthy". Brian is an expert at simplifying the complex world of money. In the episode, Brian touches on a concept from his book The Geometry of Wealth: How to shape a life of money and meaning, that the true meaning of wealth is "funded contentment", the ability to underwrite a meaningful life.

As humans, we can get stuck on the hedonic treadmill when no matter what we pursue in life, even when we achieve our goals, we are always left wanting the next thing. Why won't money and stuff alone make you happy? Brian lays out a 3-step iterative process that everyone can follow to help align or calibrate the life you want to live with your balance sheet and portfolio.

The Geometry of Wealth: How to shape a life of money and meaning

Are you in the middle or late stages of your career and struggling with "what's next"? In today's episode, host Jeff Bernier, CFP®, ChFC, CFS welcomes special guest Dick Gygi. Dick has an impressive resume having served as a President of a number of consumer products companies for over 40 years, most recently as the President of PlusMark, a subsidiary of American Greetings. But, what's more impressive is all that he has been able to accomplish since retiring in 2001.

In the episode, Dick shares life stories that have greatly impacted who he is and led him to create significance in his second half. Dick served as a Master Coach with the Halftime Institute and continues to advise entrepreneurs through FUEL for Good, LLC. He shares some of the advice he gives when coaching mid to late career professionals on how to create meaning in retirement.

In 2022, during the period between October 15 and December 7, Medicare open enrollment, also known as the annual election period, occurs. The many Medicare options and decisions can often cause confusion among those approaching 65.

In today's episode, host Jeff Bernier welcomes Chase Carey, concierge broker with Carey Benefits. Jeff and Chase discuss many of the common questions around Medicare enrollment and coverage. Listen in and check out Chase's free download Busy Executive Guide to Medicare - 2022 which summarizes some of the key points and benefits of Medicare!

If you have not already done so, please check out Jeff's new book! The Money & Meaning Journey book

Important Disclosures:

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Jeff Bernier, CFP®, ChFC, CFS welcomes BIS Benefits, a Georgia company serving businesses for over 24 years to help develop benefit plans, President Ray Bachman and Account Manager John Schmidt. Ray and John share what you should think about as you choose options and choose how to fund them during open enrollment. In addition, they talk about costly mistakes they've seen made and how you can prevent them (reviewing beneficiary designations, long-term disability coverage for high-earners, making sure your doctors are in network).

In today's episode, host Jeff Bernier, CFP®, ChFC, CFS is joined by Carolyn McClanahan, M.D., CFP® to discuss a sometimes difficult topic: preparing financially, emotionally, and physically for aging.

Carolyn's unique background offers her a different perspective. Carolyn began her career as a physician but later made a career change when she and her husband were unable to find a financial planner to provide them the advice and guidance needed to create a great life. Carolyn and Jeff dive into the big four decisions that need to be made in preparation for aging. The cost of long-term care and insurance, healthcare, and housing can be quite expensive but Carolyn shares some examples of how avoiding these decisions could be even costlier.

In today's episode, Jeff discusses a potpourri of topics related to bonds and the current market environment:

the role of bonds in portfolios
possibility of higher correlations between stocks and bonds
shares views on a currently popular question: Is the 60/40 portfolio dead?

With so many articles out there about these topics, Jeff tries to simplify and summarize for listeners and provides his takeaways.

Host Jeff Bernier, CFP®, ChFC, CFS welcomes guest Steven Ryder, President and Founder of True North Networks, LLC, a firm providing IT Support such as technical help-desk support, computer support, and consulting to small and medium-sized businesses since 2002. In the episode, Steve simplifies some of the terms often heard in the news related to cyber security. He shares specific tips and tricks he recommends and uses himself to better protect yourself and your technology among these rising cyber threats.

In today's episode, host Jeff Bernier, CFP®, ChFC, CFS focuses on providing perspective during these uneasy times of inflation, rising rates, and volatility. Over a lifetime of investing, it is his belief that investor behavior is the dominant determinant in the long-term success or failure of an investment strategy.

Jeff shares his thoughts and other academics' expertise in the episode to guide listeners in how to invest rationally and not emotionally by reiterating the importance of a financial plan. To learn more about TandemGrowth's investment philosophy, visit us here.

For parents and grandparents of children with a disability, planning for their needs can often be frustrating and overwhelming. On today's episode, Jeff welcomes special guests attorneys Heather Nadler and Laura Akins Smith from Nadler Biernath LLC Special Needs and Elder Law.

Under the umbrella of estate planning falls a specialty called special needs planning. Heather and Laura talk through some of the complexities of long-term planning for children who have special needs. They explain some benefits that may be available before the age of 18 as well as benefits like Social Security and Medicaid. Their firm encourages and helps families to develop a Life Care Plan - to put all that is in the caregiver's head onto paper.

Some believe the feeling of financial confidence or the benefits of a financial planner can only apply to the later phases of life. In today's episode, Jeff welcomes Wealth Advisor Mona Fahmy, MBA, CFS, AIF® to the show. Mona discusses the process of engaging a financial planner, what to expect, and common financial struggles she sees.

They touch on the many ways a financial advisor can help a person in all stages of life but specifically those in their 40s who are feeling strained in balancing a successful career, a growing family, and financial goals. Jeff describes the metamorphosis he often sees of a client on their journey once they have a plan and understand their choices to a sense of freedom.

Join Jeff Bernier as he welcomes special guest, Chief Investment Officer of Avantis Investors®, Eduardo Repetto, Ph.D. to the show!

As Chief Investment Officer, Eduardo is responsible for directing the research, design and implementation of Avantis Investors® investment strategies, providing oversight of the investment team and the firm's marketing initiatives, and interacting with clients.

In today's episode, Jeff and Eduardo discuss the evolution of investment management including some limitations of the great innovation called indexing as well as the outdated definition many have of the term "value."

When it comes to estate planning, many feel overwhelmed or wonder if they need a plan. In this month's episode, Jeff welcomes Estate Planning Attorney Tony Turner to summarize the three to four legal documents everyone should have in place. They discuss why each of these documents is so important as well as give suggestions for how you can reduce your taxable estate during your life. Tony shares the common mistakes he sees people make when it comes to estate planning and recent changes to the law that may impact your plan.

For pilots, the pre-flight checklist is 100% mandatory. To be sure everything is in working order before takeoff, pilot and co-pilot work through a checklist verifying each step has been completed. From a financial perspective, a detailed pre-flight checklist is just as important. Listen in as Jeff details 5 key items you should check and crosscheck before takeoff on December 31!

To view in video format with visual exhibits: bit.ly/3oyf22I

“Humans are wired to act; markets tend to reward inaction.” ― Daniel Crosby, The Behavioral Investor

On today's episode of Money & Meaning, psychologist, behavioral finance expert, and New York Times best-selling author Dr. Daniel Crosby joins Jeff again to discuss the four consistent types of behavioral risk (ego, emotion, conservatism, and attention) and how they impact investment decision-making. He points to goals-based investing as one way to bring about positive behavior. Listen in to Jeff and Daniel describe additional techniques you can use to become a more rational investor!

"The important thing about an investment philosophy is that you have one you can stick with." David Booth, Co-Founder, Dimensional Fund Advisors

What is an investment philosophy and why does it matter? In this month's episode, Jeff tackles the fundamentals of a solid investment philosophy: faith in the capital markets, patience, and a disciplined approach. He shares practical considerations to develop your own investing process using the 6 pillars of TandemGrowth's investment philosophy. Click here for the 6 pillars of the investment journey to financial freedom.

It has been said "if you do what you love, you'll never work a day in your life." In this month's episode, Jeff discusses how this advice is not always true - how passion can become a double-edged sword. As he works with clients to uncover what matters most to them, it's important to recognize if passion has led to burnout. Are you feeling the signs of burnout? Listen in to the episode to find out why certain sectors, more specifically purpose-driven work, put employees at increased risk of burnout, how to recognize it, and what you can do to address it.

Join Jeff he as welcomes back special guest Jake DeKinder, CFA, Head of Client Communication with Dimensional Fund Advisors. They provide a primer on the concept of "evidence-based investing" and discuss how Dimensional evolves and constantly tests its own assumptions as many wonder "is the world different now?". What are Dimensional's views on potential tax increases, ETFs vs mutual funds, asset allocation, and implementation?

Is it time to panic about inflation? In this low yield, rising rate environment, should I even own bonds? As a long-term investor, should I invest in cryptocurrency?

As we enter the halfway point of 2021, TandemGrowth recognizes three themes in recent investor questions: inflation, interest rates, and crypto. Join Jeff as he welcomes special guest Jake DeKinder, CFA, Head of Client Communication with Dimensional Fund Advisors. Jake touches on how they address these topics with their investors as well as how you can think about these topics as they relate to your portfolio.

Join Jeff as he welcomes special guest Kevin Korhorn, CFP®, ChFC, AIF®, owner of Korhorn Financial Group, Inc., to explain the some of the recent changes related to the tax code. How could these changes impact your financial plan? Kevin and Jeff will share specific techniques and strategies they suggest as financial planners to their clients. Kevin argues that now more than ever working with a holistic financial planner is crucial as it relates to understanding your personal financial circumstances, developing techniques and strategies around tax planning, and help executing them alongside your tax professional.

Listeners should not assume that this podcast serves as the receipt of, or a substitute for, personalized advice from TandemGrowth or from any other investment professional. Listeners should not use this podcast as the sole basis for any investment, financial planning, tax, estate planning, legal, or other decisions. Rather, a professional adviser should be consulted and/or independent due diligence should be conducted before implementing any options addressed in the podcast. TandemGrowth is neither a law firm nor an accounting firm. Without limiting the foregoing, the tax and estate planning information provided is general in nature. It is provided for informational purposes only, and should not be construed as legal or tax advice. Recipients should consult an attorney or tax professional regarding their specific legal or tax situation.

How do I retire? When can I retire? What do I want to do in retirement? Could lower expected returns or a potential bear market impact my ability to retire? Could I outlive my money?

If these are questions you've recently been asking yourself, you may just be our "hero". In this month's episode, Jeff takes us on a journey of a hero, a mid- to late-career executive, using the universal elements of storytelling from Joseph Campbell and Donald Miller. Will our hero find a guide to develop a plan for his or her problem? Listen in to find out!

Like the Tin Man in the Wizard of Oz, have you lost your heart? Are you struggling to find meaning in your career or retirement? Listen in as Jeff welcomes special guest Mark Danzey with Wisepath Mediation and Coaching. They discuss how declared values and defined goals help create accountability leading to meaning and purpose in life. These answers are within us but often times take a trusted person, coach, or advisor asking the right questions and help discovering, "what's possible?". Learn how you can start right now to create clarity around your passion and purpose so you don't suffer from a lack of direction and missed opportunities!

A behind the scenes glimpse of investment planning topics you might hear covered while listening in to an Investment Committee meeting. Join Jeff as he welcomes special guest David Hulstrom, MBA, CFP®, CFA, ChFC®, CAIA, CPWA®, CIMA®, co-founder and chief investment officer of Financial Architects. David is a thought leader in the wealth management industry and serves as a consultant to many firms' investment committees.

Included in the discussion are topics such as expected returns, risk tolerance, diversification, equity risk premium, forecasting, factors, frame of reference risk, what to keep in mind when constructing a retirement income portfolio, and why you should "save like a pessimist and invest like an optimist" as Morgan Housel says.

"Process saves us from the poverty of our intentions." -Elizabeth King, world-renowned sculptor

Is it easy for you to get so focused on the future that you fail to live in the present? Listen in as Jeff discusses a topic often on people's minds in the month of January - goal setting. He provides some tips from experience as well as knowledge he has gained from experts on the subject of goals. Have you defined and committed to your 20 Mile March? Do you have a daily success ritual? In addition, Jeff explains what it means that TandemGrowth provides goal focused, planning driven wealth management and the importance of that distinction.

Have you found yourself confused with the complexity and ever-changing state and federal regulations related to planning around Medicaid, eldercare, long-term care, or Veteran's Aid & Attendance? Join Jeff and Mike as they welcome elder law attorney, Dan Munster, who has been practicing law in Georgia for 27 years. Dan tries to simplify the eligibility rules surrounding these complex issues and debunk some of the myths about Medicaid.

With rates at historic lows, many are wondering if they should consider refinancing or buying a home. Join Jeff and Mike as they welcome Ed Wheeler, a seasoned mortgage loan officer, to discuss the history of the mortgage industry, how to compare rates, costs, and terms, and if now is a good time to refinance. If you're interested in reading more about this topic, consider revisiting Jeff's July blog post Don't Waste the Crisis: Should You Refinance Your Mortgage?

"If you mix politics and investing you're making a big mistake." -Warren Buffett

There's a lot of NOISE around the election this year. With all that's going on this year, Jeff still remains a rational optimist. Listen in to hear why as Jeff and Mike discuss the election and the markets while addressing frequently asked questions from clients.

A Risk Management Plan can free you to enjoy your journey by feeling confident that you protected your income, assets and loved ones from possible future risks. We insure against things that can go wrong so that we have the luxury to invest for things that we hope "go right”. Depending on your age and career status, your future income may be your largest asset which should be protected. Join Jeff and Mike as they discuss income protection planning with Tyler Smith, a specialist in designing insurance solutions for disability income protection.

What can we learn from investors who have had bad experiences working with an advisor? Jeff and Mike are joined by Robert C. Port, an Atlanta litigation attorney, who will share what he has learned while representing clients in matters related to investment advice. They discuss an unlikely collaboration, the benefits of a fiduciary relationship, and an investment philosophy that evolved from experiences in court.

Is it different this time? Unprecedented, historical, tumultuous, and chaotic are all words that could describe what’s happened to the stock market and investment universe in 2020. And we’re only halfway through the year! Jeff and Mike discuss what is shaping the investment landscape today and whether today’s unusual situation actually does make this stock market different than before.

If you or someone you care about is turning 65, listen in! Even with closures due to COVID, deadlines still exist for Medicare enrollment. Join Jeff as he welcomes special guest, Melinda Caughill, to answer many questions related to the ins and outs of Medicare and what has and has not changed in the Medicare landscape. Melinda is a Medicare expert and co-founder of 65 Incorporated and i65 Medicare guidance software.

Do you have Time Poverty? If so, you're not alone. Our society and our minds conspire against us when it comes to time and happiness. Join Jeff as he welcomes Dr. Ashley Whillans, associate professor at Harvard University, where they discuss her book Time Smart: How to Reclaim Your Time and Live a Happier Life.

Time Smart: How to Reclaim Your Time and Live a Happier Life

This podcast was recorded back in late February before the Coronavirus upset our world. While some of our comments about an April tax filing deadline are certainly no longer relevant, the value of taking time to “Go Deep” is still relevant. Maybe our current “shelter in place” lifestyle will afford us an opportunity to carve out time for less distractions and more focus.

When the SECURE Act was signed into law last December, it delivered the most sweeping changes to retirement planning we’ve seen in decades—some of which will have major repercussions for years to come. On today’s episode of Money & Meaning, Jeff and Mike discuss the changes that impact pre-retirees and retirees the most (including the elimination of the “stretch” provision for IRAs) and share how to use the SECURE Act to your advantage to protect your retirement savings and support multi-generational planning.

Giving is often fundamental for those traveling the path from success to significance. On today’s episode of Money & Meaning, Jeff and Mike welcome special guests Boyd Bailey and Rachel Watson of the non-profit National Christian Foundation to discuss tax-advantaged gifting strategies. Whether you are seeking a strategy to support your normal pattern of giving, or you are looking for new ways to support your personal generosity, vehicles like Donor-Advised Funds, Qualified Charitable Distributions, and Single Charity Funds can help you make the most of every gift.

As we kick off the New Year, it’s a great time to get intentional about creating a meaningful future. On today’s episode of Money & Meaning, Jeff and Mike offer a buffet of insights and information to help you start the year out strong. Focusing on key goals that drive improvements across your life; operating from a place of humility and gratitude; and working with a coach that offers technical, operational, and relational excellence are at the forefront of this wealth management smorgasbord.

One of the biggest financial decisions in your 60s is when and how to claim Social Security. Postponing your claim until age 70 can significantly increase your benefit amount, and yet more than half of eligible recipients file at age 62—decreasing their potential monthly income by as much as 57%. On today’s episode of Money & Meaning, Alicia Lipscomb (aka “The Social Security Lady”) sheds light on strategies to increase your lifetime benefits, as well as how to claim spousal benefits (even if you’re no longer married) and benefits for widows and dependents.

By its nature, holistic wealth management encompasses a lengthy list of components. As year-end approaches, working through a carefully constructed checklist is one of the best ways to ensure every piece of your own financial puzzle is fully optimized. On today’s episode of Money & Meaning, Mike and Jeff walk through the most critical items on the list, what has to be tackled when, and how to manage time-sensitive tasks that must be completed by December 31.

Does it surprise you to know that how an investor behaves can have a much greater impact on the success or failure of an investment strategy than an investment strategy itself? On today’s episode of Money & Meaning, psychologist, behavioral finance expert, and New York Times best-selling author Dr. Daniel Crosby discusses the psychological and biological factors that can thwart wise investment decisions, and why doing less is often better then doing more in the world of investing.

Often, the path to building a meaningful second half of life is rooted in challenges from the past. On today’s episode of Money & Meaning, Rick Thompson, co-founder of Atlanta-based Champions Community Foundation, shares his own story of how parenting a child with mitochondrial disease inspired a public charity that empowers young adults with conditions such as cerebral palsy, spina bifida, muscular dystrophy, and physical injury to live independent, productive, and physically active lives.

Every decision in our lives plays a role in dictating our future. In this special episode of Money & Meaning, Dimensional Fund Advisors’ Moulaya Niang shares how his own decisions and long-term outlook took him from his boyhood dreams of becoming a pro soccer player in Senegal, to becoming a star athlete at the University of Kansas, to helping investors and advisors build efficient portfolios.

Things don’t always go as planned—in our lives or in our finances. The challenge is to take every experience, good or bad, to learn and move forward with greater confidence. In this episode of Money & Meaning, Jeff and Mike discuss what to do when things go awry and how to answer the question, “Where do I go from here?”

In his book Factfulness: Ten Reasons We're Wrong About the World--and Why Things Are Better Than You Think, Hans Rosling provides powerful insights into how knowing the facts (which are often far different from the headlines) can help us perceive the world more accurately. In this episode of Money & Meaning, Jeff and Mike discuss how this new perspective can make us all better investors.

Factfulness: Ten Reasons We're Wrong About the World--and Why Things Are Better Than You Think

Every generation views money differently. As a result, how we communicate with our kids and grandkids about our financial values can have a huge impact on the future--both theirs and our own. In this episode of Money & Meaning, Jeff and Mike welcome Cam Marston, President of Generational Insights, who shares his thoughts on helping the next generation achieve 'money & meaning' in the decades to come.

There are certain financial products that promise to bring safety to your retirement income strategy. But is it possible that this ‘cure’ may actually be the cause of the disease? In today’s episode of Money & Meaning, Jeff and Mike discuss the true cost of certainty, and how understanding what truly increases the risk of not having enough income in retirement can help you create a strategy that can deliver.

However you choose to define “retirement,” financial freedom in your post-career years requires a rising income stream—one that not only lasts for the duration of your lifetime, but also outpaces the rate of inflation. In today’s episode of Money & Meaning, Jeff and Mike discuss the challenge of building an investment strategy that can grow your income once you’re no longer trading your own labor for a paycheck.

What is your Retirementality? In today’s episode of Money & Meaning, Jeff and Mike welcome special guest Mitch Anthony, a pioneer in the financial life planning movement and author of The New Retirementality. Join us as Mitch shares his perspectives on the true definition of work, and how rethinking the “artificial finish line” of retirement can transform your life—no matter what your age today.

If the capital markets have you concerned, today’s episode of Money & Meaning can help. In this precursor to our January 24 investment review webinar, Jeff provides some perspective as he discusses the risks and opportunities ahead, the value of a sound investment strategy, and how investors can prepare heading into the New Year.

In this final episode of 2018, Jeff and Mike welcome David Hultstrom, co-founder and Chief Investment Officer of Financial Architects who shares his 4 rules for guaranteed financial success. From the obvious (start saving as early as possible) to the less intuitive (hedge as much risk as you reasonably can), his guidelines are great suggestions for balancing what you have with what you need—today and far into the future.

Are you using the right information to build your long-term investment portfolio? In today’s episode of Money & Meaning, Jeff discusses why it may be time to rethink traditional market assumptions, the reason ‘expected returns’ don’t always deliver expected outcomes, and why a ‘perfect’ portfolio isn’t always a perfect choice.

It’s a topic no one likes to talk about, but careful planning is the best way to ensure that money is the very last thing your loved ones will need to worry about should you die or become disabled. In today’s episode of Money & Meaning, Jeff discusses the important role of life insurance in your holistic wealth management plan.

It’s said that true wisdom doesn’t have to be complicated, and yet for many of us, the path to wise investing is anything but a straight line. In today’s episode of Money & Meaning, Jeff sheds light on ways to streamline that path, and how evidence-based investing can help you reach your long-term investment goals.

No one likes surprises—especially when it comes to money. But in an unpredictable world, how can investors make wise choices to reach their life goals? In today’s episode of Money & Meaning, Jeff shares the importance of focusing on the things that matter and instilling rules, habits, and disciplines that lead to success.

Building a concrete vision of your end game is really the only way to create meaningful change in your life. In today’s episode of Money & Meaning, Jeff welcomes special guest Jeff Spadafora, a Christian life coach and author The Joy Model. Jeff shares his own path toward meaning and offers insights on how to build a life of greater joy.

It’s often said that investors who fail to reach their goals do so not because of what their investments do, but what they do to their investments. In today’s episode of Money & Meaning, Jeff reveals how an evidence-based investment approach encourages healthier investor behavior and, ultimately, improves the potential for a rising income stream over time.

Your unique abilities are found in places where passion, excellence, and the ability to serve others intersect. But recognizing that confluence when it happens is often easier said than done. In today’s episode of Money & Meaning, Jeff walks through processes and tools that can help you excavate and identify your greatest strengths.

For many people, charitable giving is vital to Money & Meaning. In today’s episode, Jeff shares how the new tax law’s “free bridges” can be used to preserve your capital resources and align your gifting strategy with your personal values.

Great financial planning is much broader than investing alone. In today's episode of Money & Meaning, Jeff asks, "What are your great life goals?" and then shares how allocating your limited resources to support your goals can drive a better, more personalized financial plan.

Understanding what truly matters most in our own lives is rarely as obvious as we’d like to think. In today’s episode of Money & Meaning, Jeff walks through the 4 key questions that can help ensure that the “things that matter most are never at the mercy of the things that matter least.”

Being authentic in life is critical to achieving your goals. Jeff shares how his personal experiences have led him to his current philosophy and why, after three decades as a financial planner, he believes that aligning your values and your resources should be every investor’s number-one goal.