Only Fee-Only: Recent Episodes

Broc Buckles and Peter Ciravolo

This podcast interviews fee-only financial planners to learn about how they are helping their clients and serving their specific niches.

What does a successful financial planning firm actually look like?

For Andrew Damcevski, founder of AJD Wealth Management, the answer isn’t building the biggest firm possible. It’s working with 100 great clients, providing a high level of service, and building a business that gives him control over his time.

In this episode, Andrew joins us to talk about his path from starting in the insurance world and moving to the fee-only world, starting and selling a firm, and eventually launching AJD Wealth Management.

We get into the value of learning sales early in your career, the realities of starting from scratch, why keeping your personal expenses low can give new firm owners more runway, and the tradeoffs between building a large enterprise and intentionally staying small.

Sometimes the goal isn’t a bigger practice. It’s building the practice you actually want.

Andrew's website: ajdwealth.com

Linkedin: https://www.linkedin.com/in/andrew-damcevski-cfp%C2%AE-tpcp%C2%AE-4832b365/

Music in this episode was obtained from Bensound.

What happens when a Dow Chemical employee turned real estate investor can't find a financial planner willing to look at his whole picture? He becomes one himself.

In this episode of Only Fee Only, Peter and Broc talk with Ethan Kok, owner of Sage Wealth Planning. Ethan shares how his search for real financial advice as a young investor in Midland, Michigan opened his eyes to the fee-only model — and ultimately pulled him out of a corporate career and into financial planning. He breaks down how he built his early client base by mastering Dow's complex employee benefits, why offering flat-fee planning to clients without big portfolios is an opportunity most advisors miss, and what he learned from purchasing Sage from its founder, including why the transition plan matters just as much as the purchase price.

Ethan also talks about his team's shared passion for tax planning, how his appreciation for insurance planning has grown over the years, the "downer meeting" his firm uses to help clients get real about life insurance and estate planning, and his advice for anyone at a big company thinking about a career change into this profession.

Ethan's Social:

https://www.linkedin.com/in/ethan-kok/

Music in this episode was obtained from Bensound.

Your clients may have millions in company stock and still struggle with the decisions that matter most: exercise now or later, hold or sell, diversify or stay concentrated. In this episode, we sit down with Marcel Miu, founder of Simplify Wealth Planning in Austin, Texas, to discuss how advisors can help clients navigate equity compensation while building a successful advisory firm.

Marcel shares his journey from JP Morgan and Cohen & Steers to launching his own fee-only RIA, and why technical expertise alone isn't enough to grow a business. We discuss the realities of client acquisition, how marketing has evolved, why LinkedIn isn't the opportunity it once was, and why advisors need multiple marketing channels instead of relying on a single strategy.

We also explore flat-fee financial planning versus AUM, particularly for tech professionals whose investment portfolios may be simple but whose planning needs are anything but. Marcel explains why a flat-fee model often creates better alignment, how to set clear expectations, and how to determine whether a client is the right fit.

Marcel's Social:

https://www.linkedin.com/in/marcel-miu/

Music in this episode was obtained from Bensound.

A $10,000 commission check can feel like a reset button—until the next closing gets delayed.

In this episode, we're joined by Cody Hawkins, Lead Planner at PeaceLink Financial Planning, to discuss why his firm specializes in helping top-producing real estate agents navigate the unique financial challenges that come with variable income and running a business.

We discuss:

Why lifestyle creep can become a major challenge for successful agents
How to create predictable cash flow despite inconsistent income
Common tax mistakes 1099 professionals make
The importance of quarterly tax payments and proper business structure
Why liquidity matters just as much as building long-term wealth
How PeaceLink helps clients separate business and personal finances

Cody also shares his path into financial planning, how PeaceLink found its niche serving real estate professionals, and why focusing on systems instead of chasing the next commission helps clients build lasting financial confidence.

Whether you're a financial advisor looking to better serve business owners or a real estate professional trying to create more stability, this episode is full of practical takeaways.

Cody's Linked and Website:

https://www.linkedin.com/in/cody-hawkins-cfp%C2%AE-5129a217a/

https://www.peacelinkfp.com/

Music in this episode was obtained from Bensound.

Money advice tends to break down in one predictable place: the messy middle between knowing what you should do and actually doing it this week. That's where Linda Grizely shines.

Linda is a financial coach, speaker, and podcast host who took a winding path into financial services. She brings a rare mix of empathy and practicality for people who feel behind, ashamed, or priced out of traditional financial planning.

We talk about what she learned in sales-driven environments, why advice-only and coaching can better serve everyday households, and how meeting people where they are changes everything. Linda shares how her own life experiences shaped her mission to help the people many advisors overlook, especially clients without the assets for an AUM relationship or the budget for a full fee-only plan. The through-line is simple: clear education, no jargon, and systems that make progress feel possible.

Then we get into her Me Money Method, a behavioral approach to budgeting and cash flow that turns gray-area spending into an intentional container. You will hear the story that inspired it, how it reduces guilt, improves communication between couples, and creates better choices without shaming lattes, shoes, golf trips, or vacations. Linda also breaks down five money personality types and how advisors can listen for cues to tailor strategies people will actually follow.

If you want a realistic way to track spending, build money habits, and lower money stress, hit play. Subscribe, share this with a friend who feels stuck, and leave a review so more listeners can find the show.

Linda's Website: https://www.lindagriz.com/

Linkedin: linkedin.com/in/linda-grizely/?skipRedirect=true

Music in this episode was obtained from Bensound.

Money decisions are rarely just about math. The hardest part is often the human side. Rafael Melendez of NextGen Financial Planning joins us to discuss how fee-only financial planning helps younger families move from stress and uncertainty to confident, intentional decisions.

We explore Rafael’s path into the profession, what he learned from sales-driven environments, and how those experiences shaped his client-first approach. We also break down what “fee-only” really means and why it can be a great fit for people who need planning guidance without having millions invested.

Rafael shares his journey from joining NextGen during the pandemic to becoming a partner as the firm evolved. We discuss firm ownership, balancing growth with flexibility, and his advice for aspiring RIA owners: design the life you want first, then build the business around it.

We also walk through a real-world planning scenario involving a high-stress job, stock compensation, student loans, and the decision to earn less in exchange for a better quality of life.

Subscribe for more conversations like this, share with a planner friend, and leave a review. What value matters most in your next financial decision?

Rafael's Social and Website

https://www.linkedin.com/in/rafael-melendez/

https://www.nextgenfinancialplanning.com/

A hedge fund job that started with weeding a garden? Colin Page's career story is unique, but the lessons are practical for anyone building a fee-only financial planning firm.

We sit down with Colin, founder of Oakleigh Wealth Services in Charlottesville, Virginia, and trace his path from teaching high school math after the 2009 financial crisis, to more than a decade investing in distressed securities and bankruptcies, to launching his own independent practice.

We talk about what changes when you move from markets to people. Colin shares why hedge fund work can feel disconnected from real goals, and what pulled him toward fiduciary planning for retirees and near-retirees: retirement income, tax-efficient withdrawals, Medicare choices, and legacy planning. We also get specific about the messy early decisions every advisor faces around niche, marketing, compliance, and building a firm without an existing book.

Colin breaks down the mental game too: pricing "head trash," choosing between AUM, advice-only, and flat-fee models, and designing onboarding that respects your time. His document-first consultation approach is a simple filter that signals seriousness and keeps a lifestyle practice sustainable as referrals grow.

If you're trying to build a practice that supports your life, not the other way around, this one is worth your time.

Subscribe for more conversations with fee-only advisors, share this with a friend building their firm, and leave a review so more people can find the show. What part of building a practice feels hardest right now?

Colin's Social:

https://www.linkedin.com/in/colin-page-oakleigh/

Website:

https://www.oakleighwealth.com/

Music in this episode was obtained from bensound.

Your income can grow fast and still leave you feeling behind. That's the paradox we dig into with Sean Rawlings, founder of WealthBound Advisors, who works with young, high-income earners scaling toward $500K or seven figures only to realize they have no system for taxes, spending, or big decisions.

Sean shares his story: Southern California roots, a start at a mutual firm, and the growing discomfort of watching "financial planning" turn into product pitches. He explains what pushed him toward independence, how he found the fee-only model, and why building an RIA is more achievable than many new advisors think.

From there, we get specific. Sean covers what great onboarding looks like for first-time planning clients, how he uses modern tools (including AI like Claude) to stay efficient while keeping things high-touch, and the biggest pain point for fast-growing earners: tax planning around variable income. We close with real estate as an asset class, when it's worth the complexity, and how concepts like cost segregation and 1031 exchanges fit into a coordinated plan.

Sean's Linkedin: https://www.linkedin.com/in/sean-rawlings/?skipRedirect=true

Music in this episode was obtained from Bensound.

A lot of wealth management still assumes you've already "made it" before you deserve real advice. Chelsea Ransom-Cooper, CFP®, co-founder of Zenith Wealth Partners, is challenging that assumption by building a fee-only RIA designed to serve women and people of color with relatable, high-quality financial planning.

Chelsea walks us through the turning points that shaped Zenith: discovering fee-only planning through early networking, recognizing in 2020 that her client base didn't reflect the people who inspired her to enter the profession, and partnering with co-founder Jason Ray to build what they couldn't find in the market. She shares a concrete early-business tactic we loved — using a simple "30-name" validation list to prove demand and build confidence before making the leap, then turning those early conversations into her first wave of clients.

We also get specific on how to scale without losing the mission. Chelsea explains how Zenith thinks about capacity (targeting 60 to 80 clients per advisor), support staffing, and using EOS to put the right people in the right seats. We dig into their flexible fee structure, including why they hold a minimum fee for service, avoid asset minimums, and blend planning engagements, retainer-style work, and AUM as clients' balance sheets evolve.

Chelsea also shares how she manages a packed calendar through delegation, why that creates real growth opportunities for the next generation of advisors, and how her "zone of genius" in equity compensation helps her stand out. If you care about accessible financial advice, building a sustainable fee-only firm, and scaling with intention, this one is for you.

Subscribe, share with a fellow advisor or founder, and leave a review with your biggest takeaway.

Chelsea's Linkedin: https://www.linkedin.com/in/chelsea-ransom-cooper-cfp-6b198346/

Zenith Wealth Partners Website: https://zenithwealth.partners/

Music in this episode was obtained from Bensound.

A lot of advisors want to launch their own fee-only RIA, but the gap between "I'm ready" and "I have clients" can feel enormous. We're talking with Matt Ryan, founder of Focused Mission Financial in San Diego, about how he made the leap in 2022 after nearly a decade inside planning-focused firms, and what it actually looked like to build momentum from the ground up.

We get specific about how his growth really happened: boots-on-the-ground marketing through coffees, lunches, and golf, backed by consistent touchpoints like a newsletter and short-form video. Matt also shares the truth about shiny objects, including paid lead programs like SmartAsset, and why some tactics fall flat for a solo RIA without the time and speed to follow up like a larger team.

On the client service side, Matt walks us through how his process evolved into a formal six-step onboarding system, plus what changed when he hired an operations specialist to tighten workflows. We also dig into his work with self-employed clients, including solo 401(k) planning and tax planning, and how those needs show up differently than traditional retiree households.

Finally, we talk about scaling with intention, integrating clients from a retiring advisor's book, and setting a boundary around lifestyle so growth never crowds out family time.

If you're building an advisory firm, refining your financial planning process, or trying to find marketing that fits your personality, you'll take away practical ideas you can use right away. Subscribe for more conversations like this, share the show with another advisor, and leave a review with your biggest takeaway.

Matt's Linkedin:

https://www.linkedin.com/in/matt-ryan-fmf/

Music in this episode was obtained from Bensound

A "backup plan" PowerPoint deck can become a real firm faster than you'd think, but the messy middle is where most people quit. Ryan Johnson, founder of Hundred Financial Planning, joins us to talk through what it actually takes to build a fee-only firm from the ground up.

Ryan shares how he found the fee-only RIA community through cold outreach, why he wanted ownership of a book of business, and what the first two years really felt like. We get into client experience, including the early mistake of overwhelming plan presentations and how he's shaping an ongoing service model that stays structured without feeling rigid.

We also dig into growth: why LinkedIn finally started generating leads, why silent followers often turn into your best prospects, his niche focus on high-earning young families, and the values-first discovery meeting that helps clients feel heard before any numbers come out. We close with AI in financial advice, where it helps, where it breaks, and why the risk of a wrong answer makes a human advisor worth the cost.

Subscribe, share with an advisor friend, and leave a review with your biggest growth question!

Ryan's Linkedin:

https://www.linkedin.com/in/ryanjohnsonku/

Music in this episode was obtained from Bensound

You can feel stuck in a successful career and still know it's not the life you want.

In this episode, we talk with Jacob Tally of Prospero Wealth about what it actually looks like to pivot later, especially after years in high-intensity environments like startups, corporate finance rotations, and big-name financial services.

Jacob shares the practical side of making the move: deciding between going solo or joining an independent RIA, why fee-only planning mattered to him, and how he evaluated firm fit before jumping.

We also get into planning for tech and startup employees, where equity compensation, job changes, and sudden life transitions create complexity that generic advice can't solve.

The most useful part is the decision framework. We dig into risk management beyond investing: pressure testing your situation, spotting blind spots, and using fear setting to turn vague anxiety into clear options. Jacob also challenges the obsession with goals, reframing growth around principles that keep you moving when life doesn't follow a neat timeline.

If you're considering a career change, building a financial plan, or trying to make a brave decision without guessing, this conversation gives you language and structure you can use right away.

Please subscribe, share, and leave a review. What decision are you trying to get clarity on right now?

Jacob's Social:

https://www.linkedin.com/in/jhtally/

Prospero Wealth website:

https://prosperowealth.com/

Music in the episode was obtained from Bensound

Most financial advice is built around a default life plan — and it quietly breaks down when you've opted out of that script. Cory Smith is a fee-only financial life planner and founder of Discretionary Inc. in Reno, Nevada, where he works exclusively with childfree individuals, couples, and business owners who want their finances to support the life they actually want — not the one they were expected to want.

In this episode, we get into his core concept of discretion: the freedom to determine your own best course of action. We talk about what changes in planning when there are no assumed heirs, why longevity and support structures deserve more attention in this space, and how he works backward from a client's vision to build a financial framework around it.

Cory also shares the path that shaped his philosophy — from commission-driven environments and door knocking at Edward Jones to the fee-only model — and how he integrates George Kinder's Real Life Planning process into a modern client experience, including a concurrent planning approach that delivers early wins while the deeper work unfolds.

We also cover what's working in his business today: partnerships, community building, and using short-form and long-form content to reach people who are quietly rewriting the rules.

If you're interested in values-based planning and building a life on your own terms, this one's worth your time.

Cory's Social and Website

https://www.linkedin.com/in/dincwithcory/

https://www.discretionaryinc.com/

Ethan Miller had a six-month waitlist… while still working a full-time job.

We sat down with the founder of Planning for Progress to talk about how he went from union organizing to building a thriving fee-only firm just outside DC—without taking a reckless leap.

He shares how he found fee-only planning, built early momentum through project work, and knew commissions weren’t the path for him. We also get into what it actually looked like to earn his CFP while working nights and weekends—and the moment he knew it was time to go all in.

We also cover how he’s designed a lifestyle practice of ~50 households, how he thinks about client fit, and why being a “people person” can matter more than a finance background when starting out.

If you’re thinking about making the jump into financial planning, this is a grounded, real-world blueprint.

Ethan's Social:

https://www.linkedin.com/in/ethan-miller-cfp%C2%AE-41139430/

Music in this episode was obtained from Bensound.

He didn’t grow his RIA through ads or a content machine. He grew it through trust, a simple fee model, and doing the unglamorous work when it mattered most.

In this episode, we’re joined by Logan Valentine, CFP®, founder of Valentine Wealth Management in Seymour, Indiana. We unpack his path from insurance to Charles Schwab, how earning the CFP shifted his thinking, and what clicked when he discovered the fee-only RIA model.

We also talk about the reality of building a firm early on—tight runway, young family, and the mindset required to keep going when things feel uncertain.

Then we get practical. Logan breaks down his pricing structure, including a minimum fee and capped maximum, and explains why he avoids charging on held-away assets like 401(k)s and 529s. The result: fewer conflicts and a simpler, more transparent sales process.

On the marketing side, this isn’t about hacks. It’s about what actually works for most advisors—strong reputation, Google reviews, local presence, SEO, and creating long-term advocates by helping people whether they become clients or not. (At one point, someone even found him by asking AI who to call.)

We wrap with the client experience—from discovery to onboarding—why cash flow is the foundation of good planning, and how thoughtful tax decisions can lead to real, tangible savings.

If you’re building a firm—or looking for transparent, fee-only advice—there’s a lot here you can take and apply.

Logan's social and website:

https://www.linkedin.com/in/logan-valentine-cfp/

https://www.valentinewm.com/

Music in this episode was obtained from Bensound

One of the most uncomfortable questions in financial planning is also one of the most important: if you can’t speak for yourself, who will?

We’re joined by Maddy Roche, Chief Growth Officer at Childfree Trust and a long-time leader in the fee-only advisor community, to explore the planning gaps that often arise for clients who are child-free or permanently childless. This isn’t a niche situation—about one in four Americans doesn’t have kids, and that number is even higher among younger generations.

We discuss how a child-free lens can reshape a financial plan, from Monte Carlo projections and decumulation strategies to estate planning priorities and insurance needs. Maddy explains why life insurance may be less relevant for many in this group, while disability insurance, long-term care planning, and a clear medical power of attorney become even more important.

We also touch on the emotional side—the peace of mind that comes from having a professional, unbiased third party in place, rather than leaving difficult decisions to friends or distant relatives.

Maddy outlines what Childfree Trust offers nationwide, including serving as financial POA, medical POA, executor, or trustee, along with building detailed care plans covering everything from key contacts to pet care to end-of-life preferences.

For advisors, this conversation highlights the risks of overlooking these roles and documents—and how making the right referral can add meaningful value across your client base.

Subscribe for more conversations that make fee-only planning more practical. Share this with someone who needs a better backup plan

Maddy's Social and Childfree Trust Website

https://www.linkedin.com/in/maddy-roche-25962032/

https://childfreetrust.com/

Geoffrey Schaefer thought he’d work in finance. The Army had other plans.

After serving as a U.S. infantry officer, Geoffrey eventually found his way back to the industry—now as a fee-only fiduciary wealth advisor and partner at an independent firm serving families, retirees, and small business owners.

In this episode, we talk about starting out in a product-driven environment where the tools can be impressive, but the incentives can quietly shape the planning relationship. Geoffrey explains the long-term impact of production culture, why many clients end up with “an investment guy” instead of a real financial planner, and how the conversation changes when you can say the only people who pay you are the clients themselves.

We also go behind the scenes of running an advisory firm—partner dynamics, dividing responsibilities like compliance and investment management, outsourcing what doesn’t belong on an advisor’s desk, and building a multi-generational planning model that serves parents, kids, and grandkids through major life transitions.

Geoffrey closes with practical advice for newer advisors on humility, mentorship, and why earning the CFP early can make a real difference.

If you enjoy conversations with real planners about how this profession actually works, subscribe to the show, share the episode with a colleague, and leave a quick review so others can find it.

Geoff's Blog and Social:

https://thesteadfastfiduciary.com/

https://intergywealth.com/

https://www.linkedin.com/in/geoffrey-schaefer-intergy/

Music in this episode was obtained from Bensound

Two weeks before the shutdown, Dan Ryan left a big firm to launch Sinceris Advisory with a simple plan: stay virtual, serve clients deeply, and let great work drive growth. Then COVID hit. Meetings vanished, Zoom became standard, and he had to adapt fast.

Today, the firm manages $226M for 150 families. Dan shares the real story—cancelled deals, “tire kickers,” 80-hour onboarding weeks, and learning that referrals are the only growth channel that truly compounds.

We also talk about operations and hiring (most advisors wait too long), bringing on partner David Wilson in May 2020, and their decision to avoid client handoffs—protecting service quality even if it limits scale.

Dan works across tech equity comp and physician practices, which keeps the work engaging and prevents burnout. His advice to founders: it doesn’t get easier, but autonomy is worth it. Lead with compassion, set boundaries, and price sustainably.

Website: https://sincerusadv.com/

Music in this episode was obtained from Bensound.

Andy Fisher spent 25 years leading operations at a Fortune 500 company before launching Path Setter Financial, a fee-only RIA built on clarity, transparency, and calm.

In this episode, we talk about his transition from corporate leadership to advisory firm owner—and what engineering discipline taught him about building better financial planning processes.

We discuss how fee structures influence outcomes, why fiduciary advice truly changes the conversation, and how Andy structures discovery to help couples align spending with values. His philosophy is simple: the math is straightforward, but behavior drives results.

We also get into real advisor topics—navigating stock comp, pensions, and early retirement windows; launching an RIA; early operational mistakes; implementing a CRM; outsourcing strategically; and the role peer groups play in momentum and accountability.

If you’re building or refining your firm, this conversation offers practical insight into process design, client communication, and helping families move from analysis to action.

If you found it valuable, follow the show, share it with another advisor, and leave a quick review.

Andy's Social:

https://www.linkedin.com/in/andy-fisher-16522410/

Music from this episode was obtained through Bensound.

Meet the person you want on your side when policies get real. We sit down with Charles Priest, our new head of Property and Casualty at BC Brokerage, to unpack how a planning‑first mindset turns confusing coverage into clear, confident decisions for households and businesses. Charles brings 16 years of experience helping clients navigate tough choices, manage risk trade‑offs, and pick carriers that stand up when a claim lands—not just when a quote looks cheap.

We start with the basics that most people miss: why umbrella liability is a cornerstone of personal protection, how to right‑size auto and home limits, and the small tweaks that lower friction without raising exposure. For advisors, Charles lays out quick checks that surface red flags fast, from missing umbrellas to deductibles that don’t match cash reserves. Then we move to the commercial side where growth outpaces coverage, and cyber risk demands real defenses. Social engineering and ransomware aren’t fringe threats anymore; they’re everyday business hazards. Charles explains what good cyber insurance should fund—incident response, forensics, notification, restoration, and business interruption—and how to align limits with the data and dollars at stake.

We also dig into timing and markets. The ideal window to shop is roughly 60 days before renewal so we can clarify goals, work with underwriters, and tailor terms. Mid‑term updates can still deliver value with pro‑rated changes. Most of all, we challenge the myth of “apples to apples”: policy wording, exclusions, and claims handling vary widely, and the cheapest option can become the costliest mistake when it matters. If you’re an advisor seeking a smarter P&C partner or a client who wants fewer surprises and better outcomes, this conversation offers a clear path.

If you find this helpful, follow the show, share it with a colleague, and leave a quick review—what P&C question should we tackle next?

Why do some advisors thrive without managing assets? We talk with Kelly Nilsson, founder of Brava Financial, about building a planning-first, advice-only practice that focuses on real-life risk—not just market returns. With a background in insurance, Kelly believes households are more often disrupted by death, disability, or long-term care than by volatility, and her plans are built to handle those moments.

Kelly shares how she launched a virtual RIA, why project-based planning fuels her growth, and how clear scope, flat fees, and objective advice create better client outcomes. “Rent my brain” means no product pressure, no discounts, and clients who are ready to implement.

This episode covers practical ways to identify the right clients, use paid consults as discovery, and design services people actually understand. A must-listen for advisors questioning the AUM default and looking to build a sustainable, planning-led practice.

Kelly's Social:

https://www.linkedin.com/in/kellynilssoncfp/

Music in this episode was obtained from Bensound.

Imagine walking into tax season already knowing the number.

That’s what happens when a fee-only planner and a proactive CPA plan the year together—before December 31. In this episode, we’re joined by Elliot Vaughn, CFP®, and Ryan Hickel, CPA, to show how they turn scattered inputs like Social Security, IRA distributions, pensions, and equity sales into one coordinated plan.

We break down their joint workflow: fall reviews that forecast income, model marginal tax rates, and evaluate moves like Roth conversions while there’s still time to act. Elliot explains why “everything a planner does ends up on a tax return,” and Ryan translates that into brackets, credits, and phaseouts clients can actually understand.

You’ll hear why the years around retirement are prime for conversions and gain harvesting, and how early-career professionals can build a strong foundation with the right savings order and tax-aware decisions.

We also cover the bigger picture: delivering a family-office experience without massive wealth, coordinating with specialists when needed, and pushing back on popular myths—like calling permanent life insurance a “Roth on steroids.” The theme is simple: fiduciary collaboration and clean process matter more than buzzwords.

If you want fewer April surprises and more confident decisions, this episode shows what a real advisor–CPA partnership looks like. Subscribe, share it with a friend, and leave a review with the tax topic you want covered next.

Elliot's Social:

https://www.linkedin.com/in/elliottvhw/

Ryan's Social:

https://www.linkedin.com/in/ryan-hickel/

Music in this episode was obtained from Bensound

A simple spreadsheet for his dad sparked a complete career pivot. In this episode, Andy Cole breaks down his move from civil engineering to fee-only financial planning—and how he built a lean, resilient practice while working full time and raising a family. What began as a deep dive into risk-adjusted returns evolved into a planning-first firm serving engineers with a flexible, transparent fee model.

Andy shares the early challenges of running a solo RIA—compliance, invoicing, endless paperwork—and the turning point when he found a corporate RIA structure that gave him real leverage. By outsourcing back-office work while keeping full autonomy, he accelerated growth and regained the joy of advising. We also get into the numbers, including payout grids and the math that helped him reach roughly $200k in revenue with low personal overhead.

We talk niche and pricing strategy, too. Engineers often want DIY portfolio control, so Andy pairs flat-fee planning with optional low AUM. He also offers practical marketing advice: increase your at-bats, stay consistent on LinkedIn, and build offers for a specific audience—not everyone.

If career change, fee-only planning, or intentional business design resonates with you, hit follow, share with a colleague, and leave a quick review so others can find the show.

Andy's Linkedin:

https://www.linkedin.com/in/andy-cole-pe/

Music in this episode was obtained from Bensound.

Want a founder story that includes spreadsheets, a stint as a roadie, an Atlantic crossing, and a will-signing party that packed the room? Meet Shane Mason of Brooklyn FI — a CPA/CFP who went from Big Four tax to touring life, then teamed up with AJ to build a 20-person advisory firm rooted in transparency, productized service, and genuine hospitality.

We dig into the early days: running a tax practice out of a bar booth, pricing low to get at-bats, and taking weekend prospect meetings to sharpen the offer. Shane explains why he and AJ decided from day one to build an enterprise rather than a lifestyle practice, documenting workflows so every client gets the same quality of service no matter who’s in the seat. That mindset shaped their hiring, retention, and their eventual shift from serving creatives to working with tech employees navigating ISOs, NSOs, RSUs, and liquidity events.

The conversation gets practical fast. Shane shares why most equity compensation issues are really tax issues, why offering refunds can be a reputation-saving move, and how turning estate planning into a social, notarized event helps clients finally take action. We also explore the difference between small giants and scalable firms, the value of serialized advice, and what happens when founders step back from client work to rethink the business. Plus, a look at Gemifi, the fintech platform Brooklyn FI built to help advisors visualize vesting schedules and future balance sheets.

If you’re building or scaling an RIA, this episode is full of hard-won insights on niches, processes, client experience, and leading through growth.

Shane's Linkedin:

https://www.linkedin.com/in/shanemasoncpacfp/

How do you go from knocking on doors in the snow to running a referral-driven, tax-focused retirement firm? Hamilton Brandenburg shares his path from Chick-fil-A’s “my pleasure” culture, to prospecting at Edward Jones, to launching a fee-only practice built around tax-smart retirement planning. A near-lapsing whole life case pushed him toward a model where taxes, decumulation, and clear service rhythms give clients real value they can feel.

Hamilton talks about the habits that mattered early, how they evolved into surge meetings and a proactive review schedule, and why retirees need more than pie charts. They need coordination on withdrawals, Roth conversions, Social Security timing, and account sequencing that keeps lifetime taxes low.

We also get into the chapter where he built a virtual practice from a 46-foot fifth wheel while raising four kids, and how remote work forced cleaner systems and sharper communication. He shares practical advice for advisors going independent and simple ways retirees can evaluate whether an advisor is really planning through taxes.

Social:

https://www.linkedin.com/in/hamilton-brandenburg-9a361b12b/

Is it in this episode was obtained from Bensound.

Krystal Fortner built a thriving, advice-only firm by choosing clarity, community, and client-first values over sales pressure. In this episode, we trace her path from cold-calling at a wirehouse to launching her RIA with same-day state approval, and how learning product sales made her a stronger fiduciary.

Krystal shares how witnessing a "don't ask questions" sales culture shaped her ethical approach and how one generous Saturday conversation sparked a lasting referral flywheel.

We also dig into launching with XY Planning Network, how their compliance, registration, and peer support helped her hit the ground running, and the early days of signing her first clients. Krystal talks about finding quality leads, paying it forward, and designing a sustainable life that includes marathon training, CrossFit, and boundaries that protect her energy.

For new planners, she offers a surprising tip: spend time in a wirehouse. You’ll learn the complex products clients bring to the table and how to untangle them with empathy. Then build the model that fits your values.

If this episode helps you see a better way to serve clients, follow the show, share it, and leave a quick review so more planners can find it.

Social:

https://www.linkedin.com/in/krystalfortner/

What if you could scale your advisory firm without rushing to hire and manage a full team?

In this episode, we talk with Michelle Wong, founder and CEO of Nifty Advisor Support, about how solo and small RIAs can build lasting capacity through remote support, strong processes, and a culture-first approach.

Michelle shares how Nifty grew from a pre-COVID launch to supporting more than 60 firms today, and how the rise of remote work changed the way advisors handle client service, marketing, and operations. She explains Nifty’s two main ways of working with firms: ongoing support that feels like a dedicated team member, and short project sprints designed to solve specific problems.

We also cover the “Nifty Fit” framework, which focuses on matching both technology and communication style so advisors avoid costly hiring mistakes.

Michelle opens up about the real bottlenecks that hold firms back—piled-up service work, inconsistent follow-up, and operational debt—and how her team helps fix them. She also introduces the Nifty Lab, a community where advisors and ops pros share templates and ideas before committing to ongoing support.

If you’re a fee-only or fee-based RIA thinking about outsourcing, this episode gives you a clear roadmap for what to delegate first, how to measure success, and how to reclaim your time.

Social and Website:

https://www.linkedin.com/in/hellomiwo/

https://www.niftyadvisorsupport.com/

How does a fee-only firm grow without losing its purpose? In this episode, we talk with Sean Gillespie, president of Redeployment Wealth Strategies, about the lessons behind raising fees, building the right team, and serving military families with care and consistency.

Sean explains why their first-year planning fee reflects the real work of sorting through insurance, TSP choices, and transition planning, and how they keep ongoing service affordable for younger service members.

One story sums it up well: a client calls mid-PCS, asking if they can buy a beach house near family. Within a minute, Sean knows the answer and the funding source. That’s the value of clear planning—fast decisions, managed risks, and confidence in the next step.

We also discuss why “hire us for returns” is a losing pitch, how RWS uses a passive, factor-based approach, and what it takes to hire and train through SkillBridge. Sean shares how their firm grew by focusing on character over titles and why their biggest competitor isn’t another advisor—it’s Google.

Finally, he explains how they simplified compliance by co-founding Apforia, an SEC-registered umbrella that helps independent firms keep their brand while easing regulatory headaches.

If you care about fair pricing, meaningful planning, and building a business that lasts, this conversation is full of practical lessons you can use.

Episode #44 with Sean:

https://www.buzzsprout.com/1943910/episodes/12637266

Website: https://www.redeploymentwealth.com/

Linkedin: https://www.linkedin.com/in/sean-gillespie-1801316/

Prudence Zhu (pronounced "zoo"), CPA, CFP®, CFT™, is the founder and CEO of Enso Financial, a fee-only financial planning firm dedicated to helping couples, families, and entrepreneurs thrive through open communication and values-driven money management.

Born in rural China, Prudence moved to the U.S. in 2012 alone with few belongings and achieved financial freedom nine years after through conscious spending and smart investment decisions. She transitioned from a successful corporate finance career to entrepreneurship, focusing on serving cross-cultural couples, small business owners, and foreign-born professionals.

Prudence is the author of A Couple’s Guide to Money: Grow Closer, Dream Bigger, Thrive Together, which blends financial planning with communication coaching to build lasting financial success. Prudence is passionate about transparent, fiduciary advice and believes that love and money together can be a true superpower.

Buy the book here: https://www.amazon.com/dp/B0FS58FXFG

Book website: www.InvestWithPrudence.com

LinkedIn: https://www.linkedin.com/in/prudencezhu/

Austin Preece went from selling insurance to building a thriving fee-only financial planning firm—by doing things differently. He rejected the traditional AUM model in favor of charging 0.5% of net worth, aligning his fees with client outcomes. When he realized a 100% prospect close rate meant his pricing was too low, he raised his fees and built a sustainable practice around clients who truly value his expertise.

Rather than broad marketing, Austin carved out a niche with real estate professionals, using his expertise in 1031 exchanges and Delaware Statutory Trusts to help agents manage feast-or-famine income cycles. From zero clients to now overseeing $40–50 million in assets, his journey is a blueprint for building a values-driven firm—and a must-listen for anyone navigating the future of financial planning.

Austin's Social:

https://www.linkedin.com/in/austinpreece/

Music in this episode was obtained from Bensound.

What happens when someone who used to sell financial technology decides to become a financial advisor? Clark Jeffries, founder of Jeffries Wealth Management, takes us inside his transition from FinTech sales to running his own independent practice.

After five years at Hidden Levers (later acquired by Orion Advisor Tech), Clark worked closely with hundreds of advisory firms and noticed a major gap. High-earning professionals weren’t being well served—many were managing money on their own, sticking with family advisors, or fielding product pitches from old acquaintances. Clark saw an opportunity to create something different.

Making the switch wasn’t without surprises. He quickly realized that while technology is helpful, clients don’t actually care about your tech stack—they care about how you can genuinely help them. Integrations fail, updates cause issues, and advisors often use only a fraction of their tools. What really matters, Clark says, is the human connection.

Instead of adopting a polished, corporate image, Clark chose authenticity. By being himself, he attracts the clients who align with his style and values. He views financial planning as an ongoing process, not a static plan, and believes long-term trust is built on real relationships.

Social and Website

https://www.linkedin.com/in/clark-jeffries-11366112a/

jeffrieswealth.com

How do you build a financial planning practice that succeeds without losing your values?

Fran Walsh, co-founder of Opulus LLC and one of Investopedia’s Top 100 Advisors, believes the key is authenticity. From a football award that unexpectedly introduced him to his future business partner to launching his firm just before COVID hit, Fran’s path has been anything but straight. His mindset has stayed the same: “The people who never quit and just keep going are going to be inevitably successful.”

At first, Fran didn’t rush to pick a niche. Instead, he worked with a range of clients while building momentum, eventually focusing on high-earning millennials, athletes, and business owners who share his drive for constant improvement. He also made a conscious choice to skip the traditional corporate image: “We wear t-shirts every day. We want clients to see we’re normal people just like them.”

His approach shows that being yourself can strengthen client relationships while building a business you actually enjoy running.

Fran's Social:

https://www.linkedin.com/in/fran-walsh-b12775a3/

X: @FranWalsh73

Newsletter: https://www.opulusmethod.com/

Meet Dev Thompson – the newest addition to the BC Brokerage team.

Dev’s journey to insurance is a unique one—from college football player to strength coach at Purdue and Kentucky, to fee-only financial planner, and now a trusted resource for advisors across the country.

His background blends a passion for personal finance with the discipline of athletic coaching, giving him a thoughtful and client-focused approach to planning. Dev brings a deep understanding of how insurance fits into the bigger picture, especially when it comes to bridging property & casualty gaps for clients in multiple states.

At BC Brokerage, Dev helps advisors keep insurance implementation in-house, so recommendations turn into action—without handing clients off to outside agents.

He’s passionate about making the complex feel simple, and helping advisors feel confident navigating insurance alongside their clients.

Want to connect? Come meet Dev and the BC Brokerage team at XYPN Live—we’ll be there as a green sponsor and hosting a happy hour on the Corinne Patio.

Dev’s Linkedin:

https://www.linkedin.com/in/devthompsonbrk

What does it take to build a successful financial planning firm—while living off the grid in a cabin-caboose hybrid?

Ryan Sullivan of Off the Beaten Path Financial did just that. After leaving a career in engineering that lacked the flexibility and impact he wanted, a chance meeting led him to financial planning. Despite industry warnings, he launched his RIA while still working full-time.

He and his wife bought 20 acres in remote Montana, where their home—half log cabin, half 1890s train caboose—is only accessible by snowmobile in winter. Ryan commuted up to four hours a day while building his firm on nights and weekends.

Early growth was slow—until he hired a coach, shifted away from rigid service models, and focused on project-based planning for architects and engineers. His technical mindset became his advantage, and the business took off.

In January 2025, he earned more than in the previous two years combined. Now, he runs his firm fully off-grid, embracing the lifestyle and clients that make it truly off the beaten path.

Ryan Social

https://www.linkedin.com/in/ryan-sullivan-pe/

Matt Zeigler and Ben Tuscai of Sunpoint Investments take a different approach to wealth management. Instead of just managing money, they combine deep financial planning with investment consulting to build real relationships and help clients make smarter decisions.

Their paths into the industry were unique—Matt was a music major, and Ben worked for the Phillies before spending eight years at Vanguard. That experience helps them think more broadly about client needs. At Sunpoint, they helped redesign the firm’s service model to go beyond portfolios and address the full picture of a client’s life.

They work with everyone from young professionals to billion-dollar families, applying the same core principles: track cash flow, build strong balance sheets, plan for life events, and manage risk. For ultra-wealthy families, they focus on education—teaching kids as early as sixth grade to understand money and avoid entitlement.

They call it “garden glove service”—hands-on, practical, and focused on building something meaningful. They also emphasize five types of capital: financial, human, intellectual, social, and wisdom.

Their planning helps clients avoid tax mistakes, close insurance gaps, and navigate big life transitions. As Matt says, they often just “stand between clients and stupid.”

You can follow Ben on LinkedIn or The Advisor Dads YouTube channel, and Matt on Linkedin and Twitter @cultishcreative.

Music in this episode was obtained from Bensound.

A lot of financial planners don’t actually want to run a business.
They just want to help people.

But when the only way to do that is to launch your own firm… you end up becoming an accidental entrepreneur—juggling compliance, operations, tech, and marketing instead of focusing on clients.

Stephen Fox saw that problem firsthand.

Marine Corps veteran. Financial planner. Firm builder.
And now, the founder of Advice Only—a platform built for planners who want to offer advice without managing assets or selling products.

Instead of taking a percentage of revenue, Advice Only charges a flat fee.
Instead of leaving you to build everything from scratch, it handles the RIA, compliance, and infrastructure.
Instead of forcing you into a traditional model, it gives you space to just be a planner.

It’s not just idealistic—it’s practical.

✅ Lower overhead
✅ Faster path to revenue
✅ Easier compliance
✅ Access to a broader client base

Stephen believes advice-only planning is the future—and after hearing his story, you might agree.

Catch the full conversation on the latest episode.
Then visit adviceonly.com or connect with Stephen to learn more.

Stephen's Social:

https://www.linkedin.com/in/stevenfox3/

Choosing the right tech for your advisory firm can feel overwhelming. In this episode, we talk with Joe Moss, COO at January Capital Advisors and founder of Connector, about how to build a tech stack that actually improves your client experience.

Joe shares his story from mowing lawns to helping advisors cut through the noise of outdated and overpriced software. He explains how to evaluate tools based on ease of use, real value, and what people actually use—not just name recognition.

Joe also talks about why your technology choices shape your client experience and why human connection still matters in an AI-driven world. As someone who is building community and creating content consistently, Joe brings a mix of practical tips and big-picture thinking.

Whether you are just starting out or looking to improve your current setup, this episode will help you make smarter tech decisions and stay focused on what matters most: serving clients well.

Connect with Joe on LinkedIn (Joe Moss 🔥) or check out advisortechbook.com for his top picks.

Joe's Social:

https://www.linkedin.com/in/joemoss-xyz/

Music in this episode is brought to you by Bensound.

The way financial advisors market themselves is evolving—and testimonials are leading the charge. Brian Thorp, founder of WealthTender, joins us to break down how SEC rule changes have opened the door for compliant client reviews.

WealthTender, the first SEC-compliant review platform, helps over 500 advisors use testimonials effectively. For just $49/month, advisors gain visibility without referral fees or commissions—making it accessible and authentic for both advisors and the 500,000+ annual site visitors.

Brian outlines the three key disclosures for compliance and shares WealthTender’s recent partnership with AGC, building community and connection for 150+ advisors.

We also explore tools on the horizon to promote reviews across digital channels. If you’re ready to modernize your marketing and stand out, this episode is your roadmap.

Brian's Social and Website:

https://wealthtender.com/

https://www.linkedin.com/in/briancthorp/

Music in this episode was obtained from Bensound.

What if financial planning could be simpler—and better?

Guy Penn, founder of Core Planning, joins us to share how building the simplest version of an RIA has led to something powerful: a close-knit community of advisors built on generosity, trust, and support.

At Core, everything starts with one question: “What can we remove to make this better?” Instead of adding layers of complexity, the firm focuses only on what helps clients and advisors. The result? A place where people come first and relationships thrive.

Generosity is the core value. Advisors help each other, share ideas, and grow together—without sacrificing their own unique way of working.

Guy also challenges the idea that experience is everything. He believes new advisors bring fresh insight and asks the questions others overlook. At Core, they’re welcomed and empowered to use the tools that work best for them.

And for those struggling with impostor syndrome? Guy’s advice is simple: “If you act with integrity and are willing to find the answers, this profession needs you.”

Connect with Guy Penn on LinkedIn or check out Core Planning to learn more.

Guy's Social:

https://www.linkedin.com/in/guypenn/

X: @guympenn

Music in this episode was obtained from Bensound.

What happens when two advisors decide to completely rebuild their firm from the ground up?

In this episode, Tommy Blackburn and John Mason share how they transformed Mason & Associates from a commission-based practice to a thriving fee-only RIA focused on federal employees.

Driven by a desire for stronger client relationships and a clear vision for the future, they took on the challenge of “rightsizing” their client base—John had been serving over 250 families. The transition allowed them to realign their firm with the kind of practice they truly wanted to run.

They break down how they made those tough decisions, how they preserved relationships, and why having a partner with complementary strengths made the journey possible.

Their niche-focused marketing—including a podcast and YouTube channel—now attracts exactly the clients they want to serve.

Thinking about your own transition? Their advice: plan for scale early, embrace technology, find a community, and specialize fast.

Learn more at masonllc.net or subscribe to their Federal Employee Financial Planning Podcast.

What happens when your lifestyle practice takes off faster than you ever expected?

Andy Panko, founder of Tenon Financial, didn’t set out to build a firm. After leaving the corporate finance world in 2019, his goal was simple: work with 50 clients, enjoy flexibility, and ease into retirement on his own terms.

But within two years, he was at capacity—and suddenly facing a new question: Now what?

In this episode, Andy shares how he navigated that inflection point and grew Tenon Financial without sacrificing the lifestyle he set out to protect. Rather than hiring assistants or junior staff to “scale,” he took a different route—bringing on experienced advisors with decades of prior careers who operate independently with their own client bases. The result is a lean team of three serving more clients without compromising autonomy or quality of life.

Andy opens up about his approach to hiring, compensation, and why he places intentional limits on growth. “I don’t want the business to consume me,” he says. “Since I started Tenon, I’ve never once felt like I had to go to work.”

We also dive into industry-wide tensions around product sales and compensation structures. Andy, who owns an IUL policy himself but regularly calls out misleading marketing, offers a nuanced view on where insurance fits—and where it goes wrong.

If you're a solo advisor wondering what comes next—or just want to hear what it looks like to grow without giving up control—this conversation is a must-listen. As Andy puts it:

“When you take ‘just being about money’ off the table, it’s actually very liberating.”

Andy's links and Social:

retirementplanningeducation.com

https://www.linkedin.com/in/andypanko/

Taylor Stewart didn’t set out to build software. He created a simple spreadsheet to help with his own planning, and it quickly caught the attention of other advisors. When one offered to buy it, he named a price that felt too high—and they said yes without hesitation. That moment sparked the creation of Income Mapper, and later, the tools that would become the foundation of Partheon, where Taylor now leads financial advice. He also runs his own fee-only firm, Adaroke Wealth.

As a second-generation advisor, Taylor grew up watching his father build a traditional AUM practice. His experience taught him something many advisors miss: we tend to undervalue our own ideas. It also taught him that waiting for clients to show up doesn’t work. After a year of slow growth, he realized the problem was fear—of showing up, of being seen, of failing. So he started sharing. Through podcasts, writing, and social media, he began to attract the right people by leading with value.

Taylor doesn’t measure success by revenue. In his words, “I don’t even know how much my firm makes.” He focuses on the impact—helping people make better financial decisions. Whether through planning or software, that mission drives everything he does. His advice to advisors who feel stuck is simple: “Just go create the problem. You’ll fix it.”

Listen now to learn how authentic positioning, value-based pricing, and showing up with purpose can reshape your advisory business.''

Taylor's Social and Websites:

https://www.linkedin.com/in/taylor-stewart/

x: @oTaylorStewart

https://www.parthean.com/

https://www.ataroke.com/

Many advisor websites feel like digital brochures—bland, generic, and forgettable.

Colton Etherton wants to change that.

A former financial advisor turned web designer, Colton now helps advisors build sites that actually convert. Through his firm, Slices Design, he’s helping advisors stand out from the sea of sameness in financial services.

In this episode, Colton shares:

The #1 website mistake most advisors make (hint: it’s your homepage)
Why clear messaging beats credentials
How to use your niche to attract the right people
When it’s time for a full website overhaul

Even if most of your clients come from referrals, Colton reminds us: “They’re still going to check your website before reaching out.”

Whether you need a full revamp or just a few tweaks, you’ll walk away with practical steps to make your site more compelling.

Listen now and start turning visitors into clients.

Colton's Social:

https://www.linkedin.com/in/coltonetherton/

x: @slices_design

Music in this episode was obtained from Bensound

In this episode, Allen reflects on the pivotal transition his firm has made—from what felt like the teenage years of figuring things out to what now feels like a confident, grown-up business. He talks about raising fees to match his value, navigating rejection, and developing a marketing approach that feels authentic—focusing on LinkedIn, directory listings, and client referrals instead of cold calls.

He also shares the tools that help him run a lean and effective operation, including Guardrails Financial for planning and Quiver CRM for systematizing client service. Whether you're in the early years or looking to refine your existing practice, this episode offers grounded, real-world insights into building a firm with intention and clarity.

Allen's Social:

https://www.linkedin.com/in/allenrmueller/

x:@7Saturdaysaweek

Music in this episode was obtained from Bensound.

Struggling to connect with clients through video?

Katie Braden, founder of Advisor Video Marketing, says most advisors are overthinking it. With a background in photography and as a CFP, she’s helped advisors use simple, authentic videos to build real connections.

Forget fancy production. Katie once shot a quick 42-second iPhone video in the dark and wind—and it got over 167,000 views. Why? Because people connect with real, not perfect.

She recommends short, personal videos—like 45-60 seconds for follow-ups, birthday messages, or thank-yous. It’s an easy way to show you care.

Katie gets the challenges advisors face and has built a system that uses video throughout the client journey—marketing, onboarding, service, even internal updates. Her 12-week workshop helps you set up, create content, and get confident on camera.

The big takeaway? Video isn’t just about marketing—it’s about building trust. A short, thoughtful video can make a big impression.

Katie's Social:

https://www.linkedin.com/in/katieabraden/

x: @KatieABraden

Music in this episode was obtained from Bensound.

Jamie Lima returns to the Only Fee Only podcast to share how his firm has grown. As founder of Woodson Wealth Management and Allegiant Divorce Solutions, Jamie combines financial planning with divorce-focused advice to help clients navigate complex situations.

He offers mediation for peaceful splits and detailed analysis for cases involving pensions, retirement accounts, and other tricky assets. Jamie also uses short-form video on TikTok and social media to bring in new clients—sometimes over 100 a month.

His advice for new advisors: “If it’s not a ‘hell yes,’ it’s a no.” Follow Jamie on LinkedIn to learn how specialized planning can make a big difference.

Jamie's social:

https://www.linkedin.com/in/jamielima/

x: https://x.com/JamieMLima

music in this episode was obtained from Bensound

On this episode of Only Fee Only, we’re joined by Nate Hoskin, founder of Hoskin Capital and co-founder of N2 Content Marketing with Nick Meyer.

Since 2020, Nate has grown his practice to well over 150 clients using the power of short-form video. Now, through N2 Content Marketing, he’s helping advisors nationwide do the same. We break down the strategies that work, how advisors can create engaging content without overcomplicating it, and why short-form video is a game-changer for growth.

If you’ve been thinking about leveraging short-form video marketing for your firm, this episode is a must listen!

Nate’s social:

https://www.linkedin.com/in/nghoskin?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app

X: Nate Hoskin

https://www.n2contentmarketing.com/

Tax season can be stressful for financial advisors, but it doesn’t have to be. In this episode, we talk with Catherine Tindall, a CPA and tax strategist who specializes in helping advisors save money and stay ahead of tax challenges.

Catherine breaks down common tax misconceptions and explains how advisors can take control of their tax planning instead of feeling stuck with whatever the IRS decides. She shares practical strategies, including how choosing the right business structure can make a big difference in tax outcomes.

We also cover common tax mistakes, how to avoid them, and why proactive planning is key to running a successful practice. Catherine’s advice will help you feel more confident and prepared when tax season rolls around.

Tune in to learn how to optimize your tax strategy and take charge of your financial future. Don’t forget to subscribe, share, and leave a review!

Social:

https://www.linkedin.com/in/ctindallcpa/

x: @CTindallCPA

After meeting Sarah Toole and the CircleBlack team at XYPN Live, we knew we had to have them on the podcast. Many financial advisors are drowning in tech, juggling too many platforms that don’t talk to each other. Sarah joins us to break down a better way.

We dig into how fintech can actually make an advisor’s life easier instead of more complicated. Sarah shares how CircleBlack’s open architecture gives advisors the freedom to build the tech stack they want—without losing a unified view of their clients. Clunky systems and hidden fees? Not here.

Technology should simplify, not frustrate. We get into the biggest tech mistakes advisors make, what to look for in a platform, and how transparency in pricing is reshaping fintech.

If your tech feels more like a burden than a benefit, this episode is for you.

Social and Website:

www.circleblack.com

https://www.linkedin.com/company/circleblack-inc-/

https://www.linkedin.com/in/sarah-toole-787716aa/

Email: sales@circleblack.com

Music in this episode was obtained from Bensound.

Rachael Camp, founder of Camp Wealth and host of the Becoming Work Optional podcast, shares her journey from the corporate world to building a thriving financial planning practice. She reveals how she leveraged Twitter and LinkedIn to grow her brand and client base, emphasizing consistency, engagement, and staying authentic in a crowded space.

She also breaks down the business side of financial advising from lead generation to relationship-building and explores the path to a work-optional lifestyle. If you are looking for insights on entrepreneurship, social media strategy, and financial independence, this episode is packed with practical advice.

Rachael’s Social:

https://www.linkedin.com/in/camprachael?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app

X: camp_wealth

What if you could simplify financial administration with just a click? Parker Ence, CEO and founder of Jump, joins us to reveal how this AI-powered tool is transforming the lives of wealth managers and financial advisors. Backed by a recent $20 million Series A funding, Jump automates note-taking, compliance, and CRM updates—freeing up advisors to focus on what truly matters: building meaningful client relationships.

We explore Jump’s journey from early experimentation to securing partnerships with industry giants. With a founding team blending sales, product design, and engineering expertise, Jump delivers solutions that scale from solo advisors to large enterprises, offering seamless setups and tailored integrations.

Parker also shares his entrepreneurial insights, drawing inspiration from Elon Musk and reflecting on the role of AI in enhancing—not replacing—human expertise. Whether you're a small team or a large firm, Jump AI is designed to help you stay ahead in the ever-evolving financial technology landscape.

Jump's website:

https://jumpapp.com/

Social:

https://www.linkedin.com/in/parkerence/

https://www.linkedin.com/company/jump-app-ai/

Curious about how financial planning is evolving for Ukrainians worldwide? Lyubomyr Ostapiv, founder of Wealth Gardens and co-founder of iPlan.ua, has been a key figure in bringing fee-only financial planning to Ukrainians. Inspired by American financial experts like Michael Kitces, he shares how the opening of the U.S. stock market to Ukrainian investors in 2017 created new opportunities and reflects on his own move to the U.S.

Lyubomyr also discusses the differences between financial markets in the U.S. and Ukraine and how content marketing and education have helped him build a trusted advisory firm. His YouTube channel, Immigrants Financial Freedom, provides financial guidance for first-generation immigrants in both English and Ukrainian. This conversation explores the future of financial planning and the potential for international diversification.

Connect with Lyubomyr on LinkedIn, and follow along with his journey!

Social:

https://www.linkedin.com/in/lyubomyr/

x: @lostapiv

Youtube Channel:

https://www.youtube.com/channel/UCnaOpmbSYjQMiROFZ6Fdvdg

What if you could transform the tax service industry? In this episode, Logan Holman and Claire Gallant, co-founders of Vivify, share their journey from a chance meeting in Cincinnati to building a company that simplifies taxes for everyday taxpayers. Combining Logan's CPA expertise with Claire's wealth advisory background, they identified a gap for W-2 employees and 1099 contractors facing tax challenges.

Vivify specializes in working with the fee-only financial planning community and their clients, offering flat-fee, client-centered services like personalized tax scorecards, withholding assistance, and secure portals with video walkthroughs. By collaborating closely with wealth advisors and addressing the limitations of traditional tax software, Vivify is making tax season more efficient and effective for everyone involved. Tune in to learn how they’re reshaping personal finance and empowering taxpayers nationwide.

Social:

https://www.linkedin.com/in/loganholman/

https://www.linkedin.com/in/clairegallant/

https://www.usevivify.com/

Music in this episode was obtained from Bensound.

Root Financial, led by James Conole, explores how to effectively scale a financial advisory firm while prioritizing culture and client experience. Key topics include the Sequoia System, marketing strategies, and the establishment of Root University to train advisors, alongside insights on creating a vibrant workplace.

• Introduction of James and Root Financial

• Explanation of the Sequoia System and its significance

• Overview of marketing strategies, particularly YouTube and podcasts

• Streamlining the sales process for better client onboarding

• Importance of internal training through Root University

• Focus on creating a fun and engaging work culture

• Discussion on long-term business strategies versus short-term profits

• Vision for the future of Root Financial and its impact on the industry

James Social and Webiste:

https://www.linkedin.com/in/jamesconole/

https://www.rootfinancial.com/

Music in this episode was obtained from Bensound.

Matt Pruitt, founder of Exhale Wealth Management, is back for his second appearance on the podcast, and his journey continues to impress. After leaving institutional investment management, Matt built a firm that’s thriving by serving tech workers with equity compensation. His business has seen remarkable growth in a short time, a testament to the power of a clear niche and strategic focus.

In this episode, Matt dives into what’s driving his success—focusing on the right clients, leveraging a strong referral network, and outsourcing to stay efficient. He also shares the value he’s found in collaborating with peers and learning from groups like the XY Planning Network.

Beyond the numbers, Matt talks about how he manages his time effectively to prevent burnout and balance running a growing business with family life. His approach is practical and grounded, offering insights that advisors at any stage can learn from.

Tune in to hear Matt’s story and gain valuable takeaways for building your own practice.

Matt's Social:

https://www.linkedin.com/in/matt-pruitt-cfp%C2%AE-cfa-02aab548/

Music in this episode was obtained from Bensound.

What if you could turn your financial advising practice into a seven-figure business while working just three days a week? In our latest episode, Libby Greiwe, host of the Efficient Advisor podcast, shares how she built a thriving practice by focusing on underserved clients and creating systems that align with her values and lifestyle.

We dive into her “systems to scale” framework—a proven method to refine your niche, attract ideal clients, and streamline operations. Whether you’re looking for quick wins or a full business overhaul, Libby offers actionable strategies to help you build a balanced, successful practice.

Connect with Libby on LinkedIn or visit theefficientadvisor.com for more insights.

Social:

https://www.linkedin.com/in/libby-greiwe?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app

Simplify your financial advisory business with insights from Sara Grillo. Known for her no-nonsense approach, Sara shares how clear communication and transparency can set you apart as a fee-only advisor. Learn practical tips for cutting through jargon, creating SEO-friendly content, and building stronger client connections.

Discover how to use LinkedIn effectively without resorting to the hard sell. Sara breaks down straightforward steps to connect with potential clients, from filtering connections to crafting genuine outreach messages. It’s all about focusing on service, not sales, to build lasting relationships.

We also explore how educational content is reshaping the financial services industry. Sara offers advice on overcoming self-doubt, committing to continuous learning, and navigating client interactions with confidence. Whether you’re exploring new opportunities or looking to improve your practice, this episode is packed with actionable strategies to help you succeed.

Sara’s social:

https://www.linkedin.com/in/sgrillo?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app

X: @grilloinvest

Learn the keys to financial advisor marketing with James Pollard, founder of The Advisor Coach and host of the Financial Advisor Marketing Podcast. In this episode, James shares how he built a business focused on helping financial advisors succeed, offering insights into practical strategies that work.

James dives into the continued power of traditional marketing methods, like direct mail, and how they can complement modern approaches to grow your business. He explains how building credibility through strategic efforts can help advisors stand out, attract more clients, and establish trust in their niche.

We also cover email marketing tailored for financial advisors, including tips for crafting warm emails, lead magnets, and automated sequences that engage without overwhelming. Whether you're just starting or refining your marketing strategy, James offers actionable advice you can implement right away.

Social:

https://www.linkedin.com/in/theadvisorcoach/

X: @theadvisorcoach

Website: https://www.theadvisorcoach.com/

Music in this episode was obtained from Bensound.

What if growing your financial advisory business was as simple as grabbing your phone and hitting record? In this episode, we chat with Nick Meyer, the most-followed CFP on TikTok with over 1 million followers. Nick takes us behind the scenes of how he turned short-form video content into a powerful tool for connection and growth, starting during the 2020 lockdowns.

We talk about what works (and what doesn’t) when it comes to creating authentic, engaging content. Nick shares why follower counts aren’t the only thing that matters and how being yourself on camera can be a game-changer. Whether it’s adding a personal touch to your branding or stepping in front of the camera instead of hiding behind a logo, Nick’s approach proves that financial advice doesn’t have to be boring.

We also break down the basics of video creation, including tips for crafting straightforward, effective content. From quick talking-head videos to creative ideas that stand out, Nick’s strategies are simple enough for anyone to start using today. He shares tools, tricks, and examples that show how short-form video can drive real results, from more referrals to better client engagement.

If you’re a financial advisor looking to grow online, this episode is full of practical advice to help you start (or improve) your content game.

N2 Content Marketing Freebies: https://www.n2contentmarketing.com/freebies

Social:

https://www.linkedin.com/in/nick-meyer-cfp%C2%AE-0b679a113/

X: nicktalksmoney

TikTok: nicktalksmoney

Music in this episode was obtained from Bensound.

Ever wonder how to align financial goals with core values? Join us for an inspiring conversation with Justin Castelli, a creative entrepreneur and financial advisor. As the founder of RLS Wealth and a leader in Advisors Growing as a Community, Justin shares his journey from traditional advising to life planning, emphasizing authenticity in both his personal and professional life.

Learn how the Kinder Method and the Evoke process transformed Justin’s approach to financial planning, helping clients align their money with their values. He shares how creative outlets like spoken word and music have pushed him out of his comfort zone, leading to personal growth and self-discovery.

Justin also discusses staying authentic in environments that often demand conformity, balancing life’s spiritual, mental, and physical aspects, and using signs and omens to guide decisions. Don’t miss his thoughtful insights on integrating creativity, individuality, and purpose into financial planning.

Justin's Social:

https://www.linkedin.com/in/justincastelli/

X: @jus10castelli

https://www.justincastelli.io/

Music in this episode was obtained from Bensound

Curious about building a thriving RIA in just three years? Thomas Kopelman, co-founder of All Street Wealth, shares how he did it by focusing on content creation and tailoring services for high-income millennials and professionals with equity compensation. In this episode, Thomas walks us through his unique tax planning approach—adding value that goes beyond standard advice.

We also dive into the balance of scaling a firm while keeping a boutique feel, from hiring specialized planners to keeping communication crystal clear. Thomas reveals the power of authentic client relationships and content as a growth engine. Tune in for practical tips on scaling your advisory business and strengthening client connections!

👉 **Want more from Thomas? Check out his social media course to level up your online presence and reach the clients you want!

https://www.allstreetacademy.com/advisor

Social:

x:** @TKopelman

Linkedin: https://www.linkedin.com/in/thomaskopelman/

Explore the journey of Tim and Alexis Woodward of Blend Wealth, where financial planning meets bookkeeping and accounting. Originally focused on blended families, they’ve expanded to support business owners by streamlining essential services into one integrated offering. In this episode, Tim and Alexis discuss how strategic partnerships and innovative thinking helped them turn challenges into opportunities for smoother client experiences.

Hear how they evolved from a lifestyle practice to a thriving boutique firm, driven by consistency and a strong focus on customer experience. They’ve built a network of loyal clients, embedding exceptional service into their daily operations—minimizing the need for constant prospecting and setting the foundation for sustainable growth.

Tim and Alexis also share the importance of personal development and building authentic relationships in the industry. Their story highlights the value of learning from experts and creative mentorships to overcome early obstacles. Plus, don’t miss insights into Blend Wealth’s latest marketing campaign and follow their journey on Instagram for more updates.

Erik Baskin returns to share his journey from active duty military service to building a thriving financial planning business. He reveals how he’s grown Baskin Financial Planning to serve 40 households, with a strong focus on providing top-tier client service. Erik also opens up about the early challenges he faced and how patience and persistence have been key to his success. His recent move to Colorado Springs marks an exciting new chapter, both personally and professionally.

As a solopreneur, Erik shares how he balances business growth with efficiency, managing a growing client base while keeping things streamlined. He emphasizes the importance of family time and delivering quality service over chasing aggressive expansion. By leveraging tools like Zapier, Wealthcom, and BC Brokerage, Erik has found smart ways to automate and outsource, giving him more time for what matters most. Tune in to hear Erik’s insights and learn how staying clear on your priorities can drive both business success and personal fulfillment.

Erik's Social:

Linkedin: https://www.linkedin.com/in/erikbaskin/

X: @ErikMBaskin

Cody Garrett joins us for the second time to talk about his journey from musician to financial planner. In this episode, he shares how hosting financial planning meetings on YouTube has attracted a large audience and boosted his business. Cody discusses the growth of his solo RIA, Measure Twice Financial, and his educational platform, Measure Twice Planners, which now has over 400 members. He also explains how he maintains a healthy work-life balance by focusing on projects he loves.

We explore the changes in financial advising and how technology is reshaping the industry. Cody talks about his work in the FinTech space, helping startups create software that truly meets planners’ needs, and highlights the shift from product sales to planning-first approaches.

Cody also emphasizes the importance of education for both consumers and planners, advocating for better life insurance evaluations for non-working spouses and practical financial education in university programs.

Cody's Social:

https://www.linkedin.com/in/codylgarrett/

x: @MeasureTwiceMNY

https://www.measuretwicemoney.com/

Music in this episode was obtained from Bensound.

Want to simplify health insurance? Tune in to the Only Fee Only podcast where we chat with Cole Craven from Move Health Partners. Cole breaks down pre-65 healthcare, health insurance, and Medicare open enrollment, offering practical tips for financial advisors and their clients.

Cole shares insights into key enrollment periods like Medicare Annual Enrollment and the Affordable Care Act marketplace, and why annual plan reviews are crucial to ensure clients have the right coverage.

Learn about Move Health, a platform that integrates healthcare planning seamlessly into advisory practices, making it easier to manage healthcare decisions. Plus, Cole highlights the importance of reviewing a retiree’s modified adjusted gross income for better planning.

https://movehealth.io/

Social:

https://www.linkedin.com/in/cole-craven/

Music in this episode was obtained from bensound.

We are excited to announce the BC Brokerage Mixer at XYPN Live 2024! All fee-only planners are welcome. Join us from 7 PM to 11 PM in the Northwoods Room at the Hyatt Regency on the second floor for great music and drinks. We’ll have a DJ, cocktails, and mocktails. Drinks are on us! It’s the perfect way to unwind after a long day. Bring a friend and RSVP via the link below. Looking forward to seeing you there!

https://www.linkedin.com/events/bcbrokeragexypnlivemixer7244741904142065

Ever wonder how to cut through the marketing noise in the financial world? We sit down with Lauren Hong, president of Out and About Communications, to hear her journey from freelance designer to running a boutique marketing agency. Lauren shares how her team crafts targeted strategies that help RIAs and financial firms stand out, and why avoiding shiny distractions is essential for growth.

We also talk about the power of consistency in content creation, whether it's podcasts or webinars. Lauren explains how sticking with a strategy can lead to real connections and growth. She also highlights why working with like-minded clients and focusing on quality over quantity is key. Tune in for practical marketing tips and insights that can transform your business!

Lauren's Social:

https://www.linkedin.com/in/honglauren/

@honglauren_

We are excited to announce the BC Brokerage Mixer at XYPN Live 2024! All fee-only planners are welcome. Join us from 7 PM to 11 PM in the Northwoods Room at the Hyatt Regency on the second floor for great music and drinks. We’ll have a DJ, cocktails, and mocktails. Drinks are on us! It’s the perfect way to unwind after a long day. Bring a friend and RSVP via the link below. Looking forward to seeing you there!

https://www.linkedin.com/events/bcbrokeragexypnlivemixer7244741904142065

In our 101st episode, we sit down with Simon Granner, founder of PCFO, to explore his journey from his early days to building a network of personal CFOs that help entrepreneurs manage their finances. Simon shares how PCFO supports business owners at every stage, offering the same strategic support a corporate CFO would provide.

We dive into exit and entry planning, growth strategies, and how Simon’s team delivers clear, client-first financial advice. He also talks about the importance of honest branding and collaboration in building strong client relationships.

Social:

https://www.linkedin.com/in/simongranner/

X: @SimonGranner

Music in this episode was obtained from Bensound.

We are excited to announce the BC Brokerage Mixer at XYPN Live 2024! All fee-only planners are welcome. Join us from 7 PM to 11 PM in the Northwoods Room at the Hyatt Regency on the second floor for great music and drinks. We’ll have a DJ, cocktails, and mocktails. Drinks are on us! It’s the perfect way to unwind after a long day. Bring a friend and RSVP via the link below. Looking forward to seeing you there!

https://www.linkedin.com/events/bcbrokeragexypnlivemixer7244741904142065

In this episode, we reflect on the creation and growth of the “Only Fee Only” podcast as we celebrate our 100th episode. From the early days, it’s been an incredible journey, meeting and talking to so many remarkable guests who have shared their stories and insights with us.

Looking ahead, we’re excited about the new possibilities on the horizon, including featuring guests with differing viewpoints to enrich our discussions. This episode is a tribute to our journey, and we see this 100th episode as just one step in an ongoing adventure. Join us in the celebration and see what the future holds for the “Only Fee Only” podcast!

We are excited to announce the BC Brokerage Mixer at XYPN Live 2024! All fee-only planners are welcome. Join us from 7 PM to 11 PM in the Northwoods Room at the Hyatt Regency on the second floor for great music and drinks. We’ll have a DJ, cocktails, and mocktails. Drinks are on us! It’s the perfect way to unwind after a long day. Bring a friend and RSVP via the link below. Looking forward to seeing you there!

https://www.linkedin.com/events/bcbrokeragexypnlivemixer7244741904142065

Want to make your financial advisory business more efficient? Andrew Burgess, founder of AdvisorOps360, shares his journey from math major to operations expert. He talks about the shift from traditional advisor roles to running his own firm, which helps RIAs streamline their operations through training, development, and transition support.

Andrew highlights the importance of knowing the true value of your time as an advisor. By tracking your daily tasks, you can identify inefficiencies and delegate work that doesn’t maximize your skills. He also stresses the need to hire administrative support sooner rather than later.

Learn about flexible engagement models like hourly blocks, retainers, and project-based pricing, and discover how Andrew serves as a “defensive coordinator” for advisors. Don’t miss this chance to hear practical advice on outsourcing and operational strategies that can help your business thrive.

Andrew's Website and Social:

https://www.advisorops360.com/

https://www.linkedin.com/in/andrew-burgess-098828207/

We are excited to announce the BC Brokerage Mixer at XYPN Live 2024! All fee-only planners are welcome. Join us from 7 PM to 11 PM in the Northwoods Room at the Hyatt Regency on the second floor for great music and drinks. We’ll have a DJ, cocktails, and mocktails. Drinks are on us! It’s the perfect way to unwind after a long day. Bring a friend and RSVP via the link below. Looking forward to seeing you there!

https://www.linkedin.com/events/bcbrokeragexypnlivemixer7244741904142065

What if your financial advisor could help you achieve your deepest life goals? Join us on the Only Fee Only podcast as we welcome George Kinder, a leader in life and financial planning. George is known for his innovative approach, combining mindfulness with financial planning. He shares his journey from a traditional fee-only planner to a global mentor for thousands of advisors, offering a fresh perspective on aligning financial strategies with personal values and dreams.

Learn about the power of deep listening and how it can transform the client-advisor relationship. George explains his unique method, focusing on understanding clients deeply rather than just discussing retirement plans or portfolios. He uses key questions about life goals and regrets to turn financial advisors into true life partners. This episode will change your view of financial planning by linking it closely with your most meaningful life goals.

We also discuss the evolution of life planning and its impact on society. From its start at the Kinder Institute to its widespread practice today, George reflects on the growth and challenges of this approach. He highlights the importance of mindfulness and living in the present, sharing insights on true freedom and enjoying each moment. Whether you’re a financial professional or someone seeking a more fulfilling life, this episode is full of wisdom and practical advice.

George’s Social

https://www.linkedin.com/in/george-d-kinder-0749196?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app

X: @GeorgeDKinder

George’s new book:

https://www.amazon.com/dp/1960044001/ref=nosim?tag=thekindinst-20

We are excited to announce the BC Brokerage Mixer at XYPN Live 2024! All fee-only planners are welcome. Join us from 7 PM to 11 PM in the Northwoods Room at the Hyatt Regency on the second floor for great music and drinks. We’ll have a DJ, cocktails, and mocktails. Drinks are on us! It’s the perfect way to unwind after a long day. Bring a friend and RSVP via the link below. Looking forward to seeing you there!

https://www.linkedin.com/events/bcbrokeragexypnlivemixer7244741904142065

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Curious about turning a love for numbers into a fulfilling career in financial planning? Join us for a chat with Brittany Brinkerhoff of Hilltop Wealth Advisors. Brittany shares her journey from college intern to leading the Ascend program, aimed at helping young professionals and families secure their financial futures. Learn about the subscription-based service she created for high-income clients needing flexible, affordable financial planning.

Brittany also discusses the challenges of moving to an independent advisory firm and the strategies used to keep client trust. She highlights the support from the XY Planning Network, which helped attract younger clients through online searches and local referrals.

In the final part of our conversation, Brittany emphasizes the importance of visual roadmaps in financial planning to reduce stress. She shares stories of clients with high incomes and significant student loan debt, showing how financial advice can turn anxiety into peace of mind. Connect with Brittany on LinkedIn or visit Hilltop Wealth Advisors' website to learn more. This episode is packed with insights for anyone interested in financial planning or improving their financial health.

Social:

https://www.linkedin.com/in/brittanybrinckerhoff/

What if financial planning could be both personal and professionally fulfilling? Join us for a chat with Brenna Baucum from Collective Wealth Planning. Inspired by her grandparents' values, Brenna aligns personal values with financial planning, offering a unique perspective. This episode celebrates what would have been her grandmother’s 95th birthday and is a must-listen for those in the financial sector or anyone who enjoys heartwarming community stories.

Brenna shares her career path, from mentorship to starting her own firm with the support of the XY Planning Network. She talks about the rewards and challenges of launching a solo practice. If you're curious about the role of community and shared values in financial planning, Brenna’s story is essential to listen to. We also discuss serving Oregon public employees and retirees, highlighting their complex pension system.

Learn about the power of genuine community engagement in building authentic client relationships. Brenna stresses the importance of being a reliable volunteer and creating free community resources to build trust. She offers insights on effective outsourcing and marketing strategies for efficiency and genuine client interactions. This episode is packed with valuable lessons on seizing opportunities and the enduring importance of authenticity in both personal and professional life. Don’t miss Brenna's heartfelt advice on building a personal brand and staying true to one’s values in the financial advisory industry.

Brenna's Social:

https://www.linkedin.com/in/brennabaucum/

Ever wondered what makes a successful financial advisor stand out? Check out this episode featuring Nancy Bleeke Noël, founder and president of SalesPro Insider. Nancy shares her secrets to overcoming sales roadblocks and transforming your approach.

With over 25 years in sales, Nancy talks about her journey and mission to make sales a positive conversation rather than a dreaded task. She explains how overcoming mental barriers, like negative biases and lack of confidence, can boost your effectiveness and benefit your clients.

Nancy dives into effective sales strategies, focusing on the shift from rigid scripts to flexible outlines for genuine conversations. Independent advisors, who often lack the resources of larger firms, will find Nancy’s training solutions especially valuable. We discuss aligning sales processes with client decision-making, and the importance of consistency, accountability, and managing specific challenges like funnel management and conversion rates.

We also share inspiring stories of financial advisors who overcame hurdles to build successful client bases. Nancy highlights the importance of persistence, consistency, and authenticity in sales. We address the social stigma around sales and its impact on professional interactions, offering practical ways to build client relationships through trust and clear communication.

Nancy's Social:

https://www.linkedin.com/in/nancybleeke/

Join Shane Sideris, co-founder of Nectarine and Synchronous Wealth Advisors, as he shares insights from his career. Learn how he moved from an eight-year career at BlackRock to creating a flexible, hourly financial guidance service. Discover Nectarine's unique advice-only marketplace, designed for clients who prefer not to commit to annual fees.

Shane explains the process of recruiting and vetting financial advisors at Nectarine. He shares strategies for balancing supply and demand and using Instagram for lead generation. Shane also emphasizes the importance of targeted marketing and a strong social media presence.

Explore Nectarine's innovative one-hour engagement model and the new eight-week program for more complex planning. Shane also discusses Nectarine's transition to an SEC-registered RIA, enhancing their nationwide service. With nearly perfect advisor ratings and plans for variable pricing and more filtering options, this episode offers valuable insights for financial advisors and those interested in the evolving financial landscape.

Shane's Social:

X: @shane_sideris

https://www.linkedin.com/in/shane-sideris/

When a music performer turns to finance, unexpected things happen. David Bowman's journey from the arts to financial planning is one such story. In this episode, David shares how he discovered financial planning at Ohio State University and succeeded at a Central Ohio RIA.

Now the Director of Partnerships at XY Planning Network (XYPN), David's career path has been diverse: from odd jobs and recruitment to organizing conferences and founding a college planning education company. He discusses the growth of XYPN from a startup to a support hub for financial advisors.

David highlights the role of technology at XYPN and the collaborative spirit within the network, where advisors actively refer clients to one another. Additionally, David emphasizes the importance of partnerships and sponsorships, detailing the enriching experience of witnessing the mutual growth and success of both companies and members within the network.

Dave's Social and Website:

https://www.linkedin.com/in/david-bowman-cfp/

https://www.xyplanningnetwork.com/

Music in this episode was obtained from Bensound.

Discover the secrets to building a successful financial planning business with Brent Gargano, founder of Infinite Wealth Planning and adjunct professor at the University of Cincinnati. Learn how his upbringing in a banking family and experiences during the 2008 financial crisis shaped his unique approach to financial advising. Follow Brent's journey from a chemistry major to a finance career at Fidelity, and eventually to entrepreneurship.

Understand the transition from corporate life to starting his own business, the importance of foundational skills, and the impact of early jobs. Hear about balancing family responsibilities with business goals, maintaining liquidity, and securing initial clients. Discover why personal well-being is just as crucial as business strategy.

Explore the emotional aspects of financial advising through Brent's client relationships and the value of focusing on existing clients' needs. Learn how financial advisors help clients make confident decisions on various financial matters. Stay updated on Infinite Wealth Planning through the Money Alchemist Podcast.

Brent's Social:

https://www.linkedin.com/in/brent-gargano-cfp%C2%AE-2067b573/

X: @Brent_Gargano

Eric Scruggs, the founder of Hark Financial Planning, shares his journey into fee-only financial advisory, highlighting the importance of community support among solo advisors. Discover the benefits of a subscription-based financial planning model, allowing clients to seek advice without additional costs.

Eric discusses the challenges and rewards of marketing a solo practice and his strategy for capturing client interest through short-form videos. Explore the differences between traditional tax firms and holistic financial planning for lawyers. Eric covers proactive tax planning, investment strategies, insurance, and retirement planning, addressing the unique financial pressures of big law attorneys.

Tune in to learn how to balance present enjoyment with future security and get a sneak peek into Eric's marketing strategies for new partners. This episode is packed with valuable insights for anyone looking to elevate their financial planning game.

Eric's Social:

https://www.linkedin.com/in/ericscruggs/

Join Cole Craven of Move Health Partners as we dive into the complexities of health insurance and Medicare, offering valuable insights for retirees and entrepreneurs. Health insurance can be confusing, but Cole's extensive experience helps simplify the process. Our discussion covers everything from the unique aspects that make Move Health a trusted industry name to the entrepreneurial drive behind their mission.

As we explore Move Health's operations, you'll get firsthand entrepreneurial insights. Cole shares the unexpected challenges of marketing and the essential value of an in-house team. We also talk about achieving work-life balance and building partnerships with financial advisors to bridge the gap between retirement planning and health insurance needs. This episode offers actionable advice for anyone navigating the intersection of healthcare and financial planning, or simply trying to understand their coverage options.

In the final segment, Cole discusses the future of Move Health Partners and their development of technologies to enhance client experiences. Learn how integrity is central to their services, countering the skepticism often associated with the insurance industry. This episode is about more than just the mechanics of health insurance—it delves into the motivations behind decisions and their impact on lives. Get inspired by a company committed to being a positive force in a complex field, ensuring clients receive honest advice.

Coles"s Social:

https://www.linkedin.com/in/cole-craven/

Chris Arnold from SecFi shares his journey in financial planning, starting in Louisville where discussions about money were a regular part of family life, influenced heavily by his grandfather's investment practices. His career in finance has shown him the importance of mixing technical knowledge with real human connections to guide clients effectively.

Chris discusses his focus on specialization within financial planning, especially after realizing the benefits of mastering equity compensation at SecFi. He highlights the importance of empathy, recalling a client meeting where the agenda shifted to address immediate emotional and financial needs after a personal tragedy.

As we wrap up, Chris discusses the intersection of startup equity, financial planning, and technology. He explains how SecFi's services have expanded from niche lending to comprehensive advisement, powered by continuous learning and collaboration. He also mentions fintech tools that help provide a seamless experience for clients. For those interested in more insights, Chris encourages following their social media channels for updates on startup trends and financial advice.

Chris's Social and WebsiteL

https://secfi.com/

https://www.linkedin.com/in/chrisarnold20/

X: @CArnold_CFP

Have you ever considered how your feelings affect your money? Amy Mullen, President of Money Quotient, talked with us about how understanding emotions helps with managing money. She told us about how Money Quotient started to teach people about money in a way that connects with their feelings. We learned that understanding how emotions and money are connected is really important for helping people make better financial choices.

We also heard some stories about how Money Quotient has helped people with different levels of financial knowledge. From helping people who spend a lot learn to save money to giving detailed advice, Money Quotient's tools really work.

If you want to understand how money works with feelings, this episode is for you!

https://www.moneyquotient.com/

Amy's Social:

https://www.linkedin.com/in/amynmullen/

Join financial expert Jamie Hopkins as we delve into career development in the unpredictable financial services sector. Jamie went from being an enthusiastic private equity attorney to leading roles as co-director of the New York Life Center for Retirement Income and CEO at Bryn Mawr, sharing valuable insights along the way. He discusses the importance of trust in financial planning and his commitment to improving retirement income security, offering practical advice for seasoned professionals and newcomers.

We explore how perseverance, flexibility, and excellent communication skills are often more crucial than academic achievements for financial success. We examine why these traits are vital, and I share how my varied career path highlights the importance of adaptability. We discuss the importance of nurturing these qualities, especially in tough times.

The episode also highlights the lack of diversity among Certified Financial Planners compared to academic circles and discusses the importance of creating a more inclusive financial world. Our bridge program has successfully kept diverse talent through mentoring, coaching, and professional development. Additionally, we talk about how activities like running and yoga can improve mental focus and help maintain a balance between professional and personal life.

Jamies Website: JamieHopkins.com

Social:

https://www.linkedin.com/in/jamiehopkinsfinancialservices/

X: @RetirementRisks

Music in this episode was obtained from Bensound.

Learn about effective homebuying with Angela McCaffrey from American Pacific Mortgage. She emphasizes financial education in the mortgage process, going beyond basic costs to consider long-term impacts and emotional factors of owning a home. This insight is crucial for fee-only planners aiming to blend investment advice with real-life implications for clients. The episode offers practical advice for navigating real estate investments wisely.

Angela McCaffrey is a valuable resource for fee-only planners dealing with the mortgage industry. She uses her extensive experience to explain mortgage complexities and the importance of aligning financial plans with clients' personal goals. It's a useful listen for those looking to advise clients with confidence in real estate, making informed and fulfilling decisions.

Beyond the purchase, Angela discusses long-term homeownership strategy, emphasizing preparation and a reliable advisory team to tackle financial challenges. She invites advisors and listeners to deepen their understanding of mortgage management, offering tools for successful homebuying advice and financial stability for clients.

Social:

https://www.linkedin.com/in/angelamccaffrey/

Have you ever thought about how a leader's different experiences can influence an entire industry? Vince Hockett, President of XY Planning Network, will share his varied career, from manufacturing to international business, and how these roles shaped his leadership style at XYPN. He will discuss the importance of learning and mentorship in building a community and support system at XYPN.

Vince also does an amazing job at highlighting what sets XYPN apart in a competitive field, such as its principles, leadership, and culture. Insights on the role of empathy in leadership and the psychological aspects crucial in financial planning will be shared. The talk aims to inspire with a vision of a mission-driven organization that impacts lives beyond just numbers. Join to discover how having a purpose can transform your approach to work, growth, and success at xyplanningnetwork.com

Vince's Linkedin: https://www.linkedin.com/in/vhockett-take-a-look/

Music in this episode was obtained from Bensound.

Ever wondered about the importance of really listening, or how being genuinely interested can improve a conversation? In our latest podcast episode of Only Fee Only, we're joined by Brendan Frazier, an expert in understanding people's emotions in finance. He talks about how he went from a regular advisor to promoting understanding and empathy in financial advice. Brendan will share tips on how to really connect with clients beyond just the numbers.

This episode is perfect for planners looking to make their client meetings more engaging and meaningful. Brendan uses his own experiences to show us how to have deeper conversations that really get to the heart of what clients want and need. If you're tired of the same old sales methods and want to learn how to ask better questions and be more curious, this is for you.

We also talk about the several keys to success in financial advice: having the right mindset, emotional intelligence (EQ), and intelligence (IQ). Brendan discusses why being positive is crucial, and how good communication—especially listening—can change your relationships for the better. By the end of this episode, you'll want to improve how you listen, understanding the role of empathy in every chat. Don't miss out on Brendan's valuable advice on how to be better at the human aspect of financial advice.

Brendan's Social:

https://www.linkedin.com/in/brendanfrazier/

X: @jbrendanfrazier

Music in this episode was obtained from Bensound.

Join us as Travis Johnson from XY Compliance Solutions helps us understand the rules of fee-only financial planning in simple terms. In this episode, we'll learn how dealing with rules can actually help your advisory business grow. Travis will share his expert tips on dealing with new fee systems and state ruled.

We'll also find out why following rules shouldn't scare you. We talk about how the XY Planning Network is making it easier for advisors to follow the rules. Travis will explain the main reasons firms look for help with these rules and the challenges they face as these rules change. He'll give valuable advice on how to prepare your firm for reviews and why it's important to keep good records.

This isn't just about following rules; it's about knowing them so that you can expand your financial planning services confidently. We'll compare different payment models and discuss how to offer many different solutions ethically. Join us for a clear and helpful conversation that aims to provide you with strategies and support for ethical, client-focused financial planning.

Social Media:

https://www.linkedin.com/in/travis-johnson-iaccp%C2%AE-13149aa0/

Music in this episode was obtained from Bensound.

In this episode, Stevyn, a health expert and founder of Grow Wellthy, tells us how she went from being an exercise physiologist to a wellness advisor for financial professionals. We talk about how health and money are connected and important for a good retirement.

We also discuss how hormones and stress can secretly harm your health, even if you eat well and exercise. Stevyn believes in treating health like an investment, similar to financial planning. We go over the first steps to starting your own health plan, including looking at your whole life and understanding mental barriers.

Finally, we talk about balancing lifespan with healthspan and the costs of getting sicker. Steven gives financial advisors tips on including health checks in their services, helping clients live better lives. She gives advice for eating out and how to use her resources if you want to improve your health. Listen to this episode to learn how to take care of your health and treat it as important as financial wellness.

Stevyn's Social and Website:

https://www.linkedin.com/in/stevyn-guinnip/

https://www.growwellthy.com/

Music in this episode was obtained from Bensound.

Join us on this episode as AJ Ayers, CEO of Brooklyn FI, shares the story of transforming a vision into a successful financial planning firm. Starting with Spotify's IPO in 2018, AJ discusses how they navigated the tech IPO trend and adjusted their strategy post-pandemic. We'll explore Brooklyn FI's growth, their move beyond the solo practitioner model, and how they've made a name for themselves nationally while staying connected to the New York tech community.

AJ offers insights into Brooklyn FI's early days, their journey to becoming a key player in financial planning, and the challenges of scaling up. She also talks about the importance of strategic partnerships and decisions in the competitive finance startup space.

As the episode winds down, AJ talks about her golfing escapades that serve as an oasis from the demands of financial advisory. We dive into the art of branding in finance, stressing the importance of authenticity to create a brand that resonates deeply with clients.

AJ's Social:

https://www.linkedin.com/in/ajayers/

X: @aallyjane

Music in this episode was obtained from bensound.

Join Aaron Krafft, CPA at Luminary Wealth Management, for practical insights into tax planning and entrepreneurship. Learn how to leverage financial strategies to boost your business, debunking the myths and viral "tax hacks" that complicate finances more than they help.

Discover the benefits of integrating accounting expertise into Registered Investment Advisor (RIA) firms, enhancing growth and client services. Aaron will discuss the impact of a digital presence for attracting clients and the importance of aligning online engagement with core values. Plus, gain perspective on balancing ambitious business goals with family and personal well-being for a fulfilling journey in both finance and life.

Aaron's Social:

https://www.linkedin.com/in/aaronkrafftcpa/

Music in this episode was obtained from bensound.

Join us as we take a closer look at the world of financial planning with Ashley Quamme, a trailblazer in the role of a fractional financial behavior officer. Her company, Beyond The Plan, goes beyond the usual number-crunching. Here, the emotional and psychological aspects of managing money are given just as much importance as the financial statements. Ashley shares her journey from being a therapist to pioneering this innovative approach in financial behavior, showing us how the right kind of conversation can transform those intimidating discussions about money into supportive and constructive dialogues.

As we dive into Ashley's professional story, we see the crucial role that emotional intelligence plays in financial advising. Starting Beyond the Plan was more than just launching a new business; it was about creating a new direction for the financial industry, fostering a deeper connection between advisors and their clients. Ashley's commitment to integrating financial therapists into advisory teams underscores her passion for her field. In this conversation, we explore her insights and visions for the evolving landscape of financial services.

Ashley's Social:

https://www.linkedin.com/in/ashley-quamme/

X: @bamconsults

Music in this episode was obtained from Bensound.

Join us as we explore Tim White's journey, the Co-founder of Wealth.com and former Chief Partnership Officer of Emailage. We'll talk about his innovative approach to estate planning and how financial advisors play a key role in this field. The discussion includes Tim's success in building a strong company culture, acquiring the Wealth.com domain, and adapting to major changes in business.

We'll also look at how Wealth.com uses feedback from strategic advisors to improve its products and pricing, and learn from their marketing experiences. Tim will share insights into how he balances his demanding startup life with hobbies like biohacking and mountain biking, and how these activities help him stay grounded. This episode offers a comprehensive view of Tim's professional and personal growth in the entrepreneurial world.

Tim's Social and Website:

https://www.linkedin.com/in/twhiteaz/

Wealth.com

Music in this episode was obtained from Bensound.

Explore Diana Cabrices' remarkable journey, from freelance work to becoming Wealthbox's Chief Evangelist and a beacon in financial technology. Fresh from her Women in Wealth Management Up and Comer win, Diana shares her transition from teaching in Europe to impacting the fintech sector.

The episode delves into the evolving role of financial advisors, the importance of education over technology, and the challenges in marketing and tech integration. We discuss the rise of video content and upcoming marketing trends for 2024. The conversation also covers the resurgence of in-person networking post-COVID, testimonial marketing, and high-impact conferences like Future Proof.

Diana offers insights on work-life balance, time management, and client prioritization for advisors, fintech professionals, and conference organizers. Tune in for valuable insights and strategies for success in the dynamic financial landscape.

Diana's Social:

https://www.linkedin.com/in/dianacabrices/

Website: https://dianacabrices.com/

X: @dianacabrices

Join us for a great conversation with Jenny Roselle, the paralegal who evolved into a key player in Indiana's estate and elder law scene. Jenny's story is more than just a career shift; it's about transforming the way we think about estate planning. With a flair for blending professional expertise with real-life examples, she makes navigating this complex field surprisingly relatable.

Follow along as Jenny delves into the moments that make us ponder our legacy – from family milestones to unexpected health twists. She brings a down-to-earth perspective on safeguarding your family's future and why it's smart to team up with financial experts. Jenny also cuts through the noise about online estate planning, highlighting the value of personalized advice.

Wrapping up, Jenny shares insights on making a personal brand resonate in the legal world. She talks about the power of referrals, the role of social media, and podcasts in carving out a unique professional identity. It's an engaging, no-nonsense conversation that proves discussing legal matters can be as enjoyable as your favorite casual podcast. So grab a seat and prepare for some straightforward, engaging legal insights.

Jenny's Social:

https://www.linkedin.com/in/jenniferrozelle/

X: @jennyrozelle

Podcast: https://www.legalteapodcast.com/

In our latest podcast episode, we talk to Peter Lazaroff, the Chief Investment Officer at Plancorp, who shares his personal and professional journey in the world of finance. Starting from a childhood interest in money, sparked by a unique gift of Nike stock, Peter discusses his career evolution. He talks about the transition from stock analysis to a leadership role in management, emphasizing the importance of aligning with a company that reflects his values.

Peter also explores the changing landscape of financial advising, focusing on a holistic approach that aligns with clients' core values. He offers insights into effective communication, the importance of ongoing learning, and the role of mentorship in the finance industry. This episode provides a realistic and informative perspective for anyone interested in personal development or professional growth in the finance sector.

Peter's Book:

https://www.amazon.com/Making-Money-Simple-Complete-Financial/dp/1119537878

Social:

https://www.linkedin.com/in/peterlazaroff/

X: @PeterLazaroff

Making Money Simple: The Complete Guide to Getting Your Financial House in Order and Keeping It That Way Forever

Ever grappled with the complexities of the American financial system as a foreign-born individual? Today, we bring our conversation with Jane Mepham, a financial planning maestro who turned her personal struggle in understanding systems like 401ks and credit cards into a mission to aid others in similar situations. Jane, originally from Kenya, is the founder of Elgon Financial Advisors, her firm dedicated to guiding foreign nationals and tech professionals through America's fiscal labyrinth. Together, we unravel the perplexities of budgeting, retirement planning, and financial issues that foreign workers often face.

Venturing into the second part of our conversation, Jane imparts her wisdom about the nuances of building a successful advisory business. Her tried-and-tested client acquisition strategies run the gamut from writing articles and building relationships with immigration lawyers to maximizing the power of SEO. Learn how content creation forms a crucial aspect and what specific planning questions foreign nationals often face. Lastly, we take a tour of Jane's experience in starting her financial planning firm. From navigating the choppy waters of compliance and E&O to the significance of continuous learning, Jane provides a comprehensive lens into her field. Get ready to be inspired by how Jane envisions her firm's growth into a boutique business with advisors eager to tackle complex cases. You don't want to miss this episode.

Jane's Kitces Article:

https://www.kitces.com/blog/investing-for-work-visa-holders-nonimmigrant-challenges-foreign-workers-h1b/

Jane's Podcast:

https://www.theimcafe.com/

Jane's Social:

Twitter - @ElgonFinancial

Linkedin - https://www.linkedin.com/in/janemepham/

Have you ever wondered how someone goes from being a physics major and 2x National Championship football player to a financial advisor? Today, we're having a chat with Kyle Newell, the founder of Newell Wealth Management. He's got a unique story, transitioning from the football field to financial planning. Particularly interesting is his focus on Disney employees and their families. Kyle will share how his experiences at the University of Florida's national championship teams influenced his career path.

In our conversation, Kyle shares some light-hearted stories about moving from engineering to finance and the unexpected lessons along the way. He'll talk about his time learning the ropes at big names like Merrill Lynch and TIA, especially in selling his services. He'll also discuss his 'project 100, 200' strategy for building business. To wrap up, Kyle gives us a glimpse into his work with Disney employees, discussing the challenges, benefits, and how crucial referrals are in his field. Join us for an insightful episode filled with financial wisdom and life lessons from someone who's truly a great person!

Ever dreamt of a retirement filled with baguettes in France, or basking in the rustic charm of an Italian villa? Today, we're chatting with Tommy Sikes, the mastermind behind Wander Wealth and the Traveltirement newsletter, where he guides us through the intriguing process of retiring abroad, and the financial planning that goes into it. No journey is complete without a few challenges, and we'll also touch on the potential hurdles you might face when considering a retirement lifestyle in a different country.

If the thought of a lower cost of living, healthier food, and a better quality of life sounds appealing, you won't want to miss our discussion on the growing appeal of retiring in Europe.

From budgeting to spending an extended period in a different country, we'll explore the various forms of travel experiences people seek. We'll also touch on the idea of using travel as a means to create a lasting legacy for future generations. So, if you've got a case of the travel bug or you're dreaming of a peaceful retirement overseas, join us for a journey through the wonders of travel and the excitement of retiring abroad.

Linkedin: https://www.linkedin.com/in/tommy-sikes/

Twitter: @wander_wealth

Could rewiring your thought patterns be the key to success? Stephanie Bogan, founder and Chief Possibility Officer at Limitless Advisor Coaching, shares her journey from founding her first company at 24, to being part of the executive team of a Fortune 500 company, and eventually to designing a life she loves. She brings her considerable experience and wisdom to bear as she discusses how she successfully harnessed a growth mindset and best business practices to achieve her goals.

We delve into the fascinating realm of mindset and success coaching as Bogan offers insight on overcoming mental roadblocks to achieve desired outcomes. She shares the power of curiosity and challenge in fostering growth, and how she has applied this knowledge to make a significant positive impact on her clients' lives. Learn about the profound influence of early formative beliefs on our worldview, and how questioning these ingrained thoughts can lead to breakthroughs.

As we conclude our compelling discussion, Bogan sheds light on the science behind our thought habits, explaining how our brains craft narratives to process information, and the profound significance of a compelling "why" behind your plans for success. The conversation reveals the importance of taking control of our mindset, time, and vision to chart a clear path to success and positive change. Through engaging stories of her clients' victories, Bogan illustrates how mindset and personal agency can propel exponential growth. This episode promises to be a treasure trove of wisdom and inspiration for anyone seeking to elevate their life through the power of the mind.

We're thrilled to bring you an exciting conversation with our newest team member, Josh Passler. Josh is no ordinary addition to the team – he's a former financial advisor turned graphic designer with a passion for educating people about the complex world of finance in a visually compelling way. This episode promises to take you on a unique journey as Josh shares his transformative career shift, from financial advising to advisor marketing, and his vision to revolutionize the BC brand.

You won't want to miss the insights Josh brings to the table about the power of visuals in making abstract financial concepts more understandable. His distinctive skillset positions BC brokerage to stand out from other agents and his role as a team member allows him to focus on creating relatable visuals that help our clients better comprehend the insurance terrain. Furthermore, we delve into his grand plans for the BC brand, aiming to shift perceptions and break down negative stigmas around the insurance industry. Get ready for a lively discourse that mixes finance, art, and a fresh perspective on insurance.

Picture this: you're a financial advisor in the heart of sunny California. Sounds like a dream, right? Our guest, Scott Frank, founder of Stone Steps Financial in Encinitas, California, shares his fascinating journey from his beginnings in Noblesville, Indiana to becoming a sought-after name in the financial planning industry. Buckle up as we explore his alliances, his commitment to active listening, and his take on the CFA and CFP certifications.

Transitioning a business is never easy. Scott talks about the decision to leave pervious firms and what led him to that decision. He provides valuable advice to advisors finding the partnership promise short of reality, highlighting the importance of a clear plan and action steps for a successful transition.

Finally, we delve into why Scott believes in sharpening communication skills in financial advising. He shares his involvement with the XY Planning Network and thoughtfully explains his unique marketing plan. Despite being a well known figure in the industry, Scott acknowledges his thoughts on growing an enterprise and why he has chosen to keep his firm small. We also get a glimpse into Scott's social media presence and find out what he believes is the best platform to reach his target audience. If you're ready to see the world of financial advising through Scott's lens, join us for this captivating conversation.

Ever wondered how some people manage to retire earlier than anticipated? Financial whiz Steve Drost joins us in this episode, revealing his innovative pre-retirement planning approach that has left many of his clients in awe, retiring ahead of their schedules. He provides a captivating account of his journey, transitioning from a financial planning intern to co-founding Drost Financial. Steve's story is a testament to ambition, landing the right job, and the power of resilience when nurturing a clientele base. His team is mighty efficient, featuring a key player - his mom serving as an advanced admin.

Ready to revolutionize your service delivery as a financial advisor? Get an inside look at Steve's other venture, Quiver CRM, developed in tandem with his brother. Designed as an all-in-one solution for swift delegation, this platform is a game-changer for small firms. Steve's goal was clear - make enough money to do what he wanted while having the freedom to do just that. So, he invested in building Quiver CRM - a tool that keeps everything in one place and enables rapid delegation. Hear how this tool is helping advisors deliver top-notch services to their clients. While you’re at it, get a peek into Steve's life as he balances his work with his family. Join us for this amazing chat with Steve Drost who is redefining retirement and financial planning.

Want to safeguard your cleint's income from unforeseen circumstances? In this episode, Dr. Rodney Mogen and Peter Ciravolo shed light on how disability income insurance can be a great financial safety net. Promising to guide you away from the complex jargon and into the heart of what truly matters, they decode the language of insurance policies, and help you see why it's more about income protection than disability insurance. They navigate through the different scenarios that could affect someone's ability to work and discuss the importance of being ready for them.

Looking for a deep-dive into the mechanics of disability income insurance and group coverage? There's no better duo than Rodney and Peter, who will walk you through the two primary ways of obtaining disability insurance. They'll breakdown the various definitions of disability and the complexities of group coverage, including taxable income and caps. They’ll give you insights into the importance of understanding the details of a policy before signing on the dotted line.

Finally, we'll explore the intricate partnership between your income and disability insurance. We'll talk active versus passive income, and the impacts of different income sources like rental properties and dividends on the total coverage people can get. Rodney and Peter also emphasize the importance of considering a client's complete financial picture. This is an episode designed to equip you with the knowledge and tools you need to navigate the world of DI intelligently. Get ready to empower yourself to make informed decisions about disability income insurance for your clients!

Imagine trading your comfortable desk job for the unpredictable world of finance - that's precisely the leap our guest, Allen Mueller, founder of Seven Saturdays Financial, took. Allen found his calling in the movement of FIRE (Financial Independence, Retire Early), transitioning from engineering to corporate finance, and launching his firm in the midst of a pandemic. He shares the incredible journey he undertook to gain control over his time and carve a path towards financial independence.

In the second phase of our chat, Allen gets candid about the initial struggles he faced in growing his business. He recounts the pivotal moment of investing in a sales training course during a business dry spell, which sparked remarkable growth and set a course for future expansion. We also touched on a critical discussion about the role of transparent pricing and reducing conflicts through flat fee models in financial advisory. Strap in for fascinating insights from a man who dared to break the mould, chase financial independence, and navigate the world of financial planning on his terms.

https://www.linkedin.com/in/allenrmueller

Twitter: @7Saturdaysaweek

Ever wondered how to grow a financial planning firm from a start-up to an enterprise-level success? Today, we're giving you an exclusive seat at our enlightening chat with James Conole, the founder of Root Financial Planning. Imagine managing over 250 million AUM – James and his team do just that and he shares the insightful lessons he learned on his journey.

We explore the intriguing paths available to entrepreneurs in the fee-only community. James gives us a firsthand account of his innovative strategies: how he leverages his platform, expands into various platforms, and maintains a consistent, reliable, and positive client experience. He unveils the secret of the Sequoia System developed by Root Financial Planning. No stone is left unturned as we discuss the challenges of managing an inflow of prospects, building a successful team, and hiring the right people to support growth.

Finally, a discussion with James wouldn't be complete without delving into the vast opportunities available in the financial planning industry. Are you considering a career in this field? Root Financial is hiring. James shares his experiences and offers invaluable advice on finding the right fit and fosters an engaging conversation about the role of the Sequoia System in enhancing a successful client experience. Get ready for an episode packed with expert insights and transformative advice you won't want to miss!

Social:

https://www.linkedin.com/in/jamesconole/

Twitter: @jamesconole

Music in this episode was obtained from bensound.

In this Episode Kevin, Peter, and Rodney talk about hybrid asset based long-term care and how it has changed the landscape of the LTC market.

Music in this episode was obtained from Bensound.

In this Episode Kevin, Peter, and Rodney talk about traditional long-term care and how the industry has grown and changed over the years.

Part 2 next week will cover hybrid / asset based policies and when those can make sense.

Music in this episode was obtained from Bensound.

Vrishin's Bio:

I am Vrishin Subramaniam (he/him), IAR, CFP® candidate, and Founder of CapitalWe

Originally born and raised in New Delhi, India, I came to the USA when I was 17 to attend college at the University of Illinois at Urbana-Champaign. A little over a decade later, I have worked as a technology consultant, lived in 7 cities, gotten married to my lovely wife Sharanya, and picked up a liking (plus a license!) for Scuba diving. We have been calling the DC area (Arlington, VA) home for just under a year, although we do spend a considerable time in sunny California!
I want to make financial planning more accessible to more people (especially people on an H1b or GC) while eschewing the suit and tie

In 2014, I graduated college without a job offer lined up, so I moved to the Bay Area in search of a job. Desperate after a couple months of non-stop job searching, I took the first offer I got, which paid a low salary (by Bay Area standards). I found it challenging to cover bills and rent even while being paid a “coveted” bay area tech salary. In order to make ends meet, I quickly became obsessed with optimizing each dollar and eventually with the FIRE movement (Financial Independence / Retire Early). After speaking with friends, family and colleagues who were all struggling with similar challenges, I realized this is a universal problem.

Having learnt about investing, I wanted to find a good advisor who would be able to round out my spreadsheets and was willing to work with young professionals, but found the advisors either had high minimums or were trying to sign me up for sub-par financial products to earn their commissions. I started CapitalWe to relieve financial stress for all young professionals as they transition between various stages of life: school, marriage, home-buying and all other firsts!

Social:

https://www.linkedin.com/in/vrishin/

Twitter: @Vr1sh1n

Devin's Bio:

Growing up lower middle-class in Pittsburgh, money was always an issue. But I had two things going for me: my immigrant father instilled in me the hustler mentality and my mother always stressed academics. So in middle school I started mini-businesses to make extra cash, trying my best to stay out of trouble, while making straight A’s. In high school I realized I was too soft to make it in the trades, but knew I had a knack for numbers and people. So I decided to focus on my education. Hello, college.

After graduating from Penn State with a finance degree, I went right back to school and studied accounting at Notre Dame. Master’s degree in hand, I kicked off my career at Ernst & Young (auditing), moved over to KPMG (consulting), and eventually jumped to PNC (banking). Over the course of 15 years, I worked with some of the most recognizable names in finance (and logged over 700 Marriott nights).

Now, I’m a full-time husband, father, and CFP® with an eclectic (read: weird) set of interests ranging from football, photography, and Frank Lloyd Wright to languages, Latin music and Leonardo da Vinci. I love traveling overseas, reading five books at once, and creating Spotify playlists.

Devin's Social:

https://www.linkedin.com/in/devinfaddoulcfp/

Twitter: @devin_sami

Kevin's Bio:

Hello! My name is Kevin Lao. I am first and foremost a family man. My amazing wife, Jessica, and I are blessed with three active boys. Tristan came first, and our twins, Julian and Jackson, a short 16 months later. They are my "why," and I do my best to lead by example and pursue my passions in hopes my boys pursue theirs.

After spending my first 12 years in the financial services industry split between two fortune 500 companies, I developed an obsession for helping people plan for retirement. It sounds simple, but many people don't have the systems and processes in place to achieve financial independence. Life gets busy, and all of a sudden you are 10 years away from 60 and unsure if you’re on track.

However, I came to realize the conflicts of interests inherent with the "big firm" mentality didn't align with my personal value system. As a result, I launched Imagine Financial Security as a Flat Fee Financial Planner/Fiduciary, and have the ability to work with clients locally in Jacksonville, FL as well as across the United States virtually.

I am originally from the suburbs of DC, but have lived in the Jacksonville, FL area for almost 8 years. We are fortunate to have family close by as it takes a village with our crew!

When I am not running my business or spending time with my wife and kids, I enjoy "dad-golf," fishing, cooking, reading, researching, writing, teaching and being in the outdoors.

Go Gamecocks! Go DC Sports!

Kevin's Social:

https://www.linkedin.com/in/kevin-lao-cfp%C2%AE-ricp%C2%AE-4181a29/

Music in this episode obtained from Bensound.

Will's Bio:

EDUCATION

Butler University
B.S. Finance, International Business
B.A. French

CERTIFICATIONS

Certified Financial Planner™

INDUSTRY EXPERIENCE

Since 2014

VALEO EXPERIENCE

Since 2015

HOMETOWN

Cape Girardeau, MO

RESIDES

Indianapolis, IN
COMMUNITY INTERESTS
Little Wish Foundation
Indianapolis Neighborhood Housing Partnership
LIDS Foundation

Social:

https://www.linkedin.com/in/will-kinder-cfp%C2%AE-23653483/

Eric's Bio:

In 2018, after graduating the U.S. Air Force Academy with an Economics degree, I began my professional career as a hospital administrator in the Air Force. As I was sitting in my apartment in Cheyenne, Wyoming after work every day, I quickly realized that this wasn't going to be a career for me. It was a great first job, but wasn’t ultimately my calling and didn’t get me up out of bed every morning. I was captain of a Division I hockey team in college, and I still have that competitive drive that I need to harness into something. I knew that I needed to start a business, I just didn't know what yet.

For the next 9 months, I binged business and entrepreneurship books and researched business ideas. I had a One Note with about 20 different ideas. I was teaching myself to code computer software, trade foreign exchange, and anything else that I could get my hands on.

One book in particular called the $100 Startup by Chris Guillebeau said that you should find something that people naturally come to you for, something that you are passionate about, and something that people will pay for. This was my lightbulb moment. For me, that thing has always been investing and personal finance. I was always interested in the stock market, and many times found myself in conversations giving people finance pointers. I had also seen what the typical financial advisor did for family and friends, and was very frustrated with the lack of transparency, and lack of value for the fees that are paid.

From there on out, I was dead set on building a fee-only financial planning firm to help families align their money with their values. I began building the groundwork for Baskin Financial Planning in early 2019 while getting my MBA, studying for and passing the CFP exam, then finally launching the business in 2021 all while serving on active duty.

Through my time as a financial planner, I have found that the military community is not properly served by one single service and pricing model. Not everyone can afford or needs the help of an ongoing financial planner at all times in their life. To address this problem, I have now gone on to develop specific offerings to best serve the military community and each families’ unique stage in life from younger military members just getting started, to transitioning military members, to Veterans and business owners building life changing wealth.

Social:

https://www.linkedin.com/in/erikbaskin/\

Music in this episode obtained from Bensound.

Andy's Bio:

While studying toward a finance degree at the University of Delaware, I decided to work toward a career helping others with their finances. I didn't quite know what that job would look like, but I figured it must exist. I assumed it would involve helping and educating

In my senior year at Delaware, I interviewed at a few of the large household name financial services companies for roles they called "financial advisor." I assumed those would be the sort of financial planning careers I was thinking of. Unfortunately, I quickly realized those jobs were not about giving financial advice or guidance. Instead, they were just commissioned sales positions to sell the companies' products - life insurance, annuities and mutual funds. I was completely turned off by that and gave up on trying to find a financial planning job. I ended up getting a corporate job at a large insurance company

After graduating college in 2000, I spent the next 19 years working for multiple global insurance, banking and brokerage firms. I worked in functions that involved the creation, risk management, trading, portfolio management and financing of many of the insurance and investment products and strategies used throughout the financial services industry. My roles included pension risk management, investment management, securities financing and investment fund analysis and diligence

Along the way I went back to school - in 2004 I earned a Master of Business Administration degree from Rutgers Business School. I've also taught multiple semesters as an adjunct lecturer for the finance department of Rutgers Business School

In 2016, I had an experience that reignited my desire to do personal financial planning. My mother was transitioning into retirement and was trying to figure out how best to claim her Social Security benefits. After getting different answers from different people - including different answers from within the Social Security Administration itself - I dug in and helped her research the relevant laws and regulations. We ultimately got to the correct answer and she was able to make the best claiming decision for her and her circumstances

At that point, the proverbial light went off for me - helping people make decisions about their retirement finances was what I was supposed to be doing with my life. Since that point in 2016, I committed myself to getting educated on all things related to financial planning for retirement. In that journey, I obtained the CERTIFIED FINANCIAL PLANNER™ ("CFP®") designation, the Retirement Income Certified Professional® ("RICP®") designation and the IRS Enrolled Agent ("EA") license

In 2019, I left the institutional investment and banking world to launch Tenon Financial. I also started a separate tax return preparation and filing company, Tenon Tax Preparation. And I remain committed to sharing knowledge and helping educate others

Andy

Andy's Social:

Twitter: @TenonFinancial

Linkedin: https://www.linkedin.com/in/andypanko/

Episode Details:

In this episode, we talk to Abby Morton, who is the head of community and culture at The Elements Financial Monitoring System. We touched on what eEements is great for and how it can help advisors grow their practice. This episode is a part of our Vendor Series for advisors.

Abby's Social:

https://www.linkedin.com/in/abbymorton/

Twitter: @AbbyMortonCFP

Music in this episode was obtained from Bensound.

Taylor's Bio:

In 2014, I left the wirehouse world and launched Define Financial, a fee-only financial planning firm headquartered in San Diego, CA.

I started my firm for three main reasons:

To create a business model that adhered to the Fiduciary standard.
To specialize in helping people over age 50 lower their taxes in retirement.
To creatively grow my practice and build a platform to help more people.

Since launching Define Financial, I’ve been recognized as “The #2 Independent Advisor in the U.S.” by Investopedia and a “Top RIA in America” by Financial Advisor Magazine.

I’m also:

Co-Founder of The AGC™ Community for Advisors
Host of the Experiments in Advisor Marketing Podcast (Apple Top 50)
Host of the Stay Wealthy Retirement Podcast (Forbes Top 10)
Co-Host of Kitces Summit’s w/ Michael Kitces
Founder of the Retirement Podcast Network
Regular Contributor to Kiplinger

When I’m not perfecting financial plans, you can find me traveling with my wife and kids, searching for the next best carne asada burrito, or trying to master Adam Scott’s golf swing.

Social:

https://www.linkedin.com/in/taylorschulte/

Twitter: @DefineFinancial

Music in this episode obtained from bensound.

Patricia's Bio:

In 2009 I founded Game Theory Academy, a nonprofit that teaches financial skills to teenagers through the lens of strategic decision-making. My favorite part of that work has been guiding young people to set their own goals outside of what their grownups want for them and then align their day-to-day decisions with those goals. I bring that same strategic curiosity to financial planning. Prior to Game Theory Academy, I was CFO of a news media organization, Pacific News Service/New America Media. I hold an MBA from Yale and a BA in Political Science from UC Berkeley. I hold a Series 65 securities license and completed the certificate in Personal Financial Planning at UC Berkeley Extension. I have a lifelong interest in economics and am excited to do the heavy lifting of financial planning so people can focus on what they love to do. When I’m not creating financial plans, I’m the mother of a child with avid and ever-changing interests, and I love to play guitar and sing bluegrass, roots, and old-time music, with a pop twist.

Social:

https://www.linkedin.com/in/patricia-johnson-96b9757/

Music in this episode was obtained from Bensound.

Brian's Bio:

As the founder and CEO of Wealthtender, I'm proud of our growing impact in helping thousands of Americans each month make more informed and educated decisions, whether hiring a financial advisor or managing money on their own.

Since founding the company in 2019, Wealthtender has become an industry-leading digital marketing platform providing hundreds of financial advisors with impactful benefits to rank higher in search engines, build authority online, and accelerate the growth of their business.

We also know regulatory change creates opportunities for marketplace disruption. After 60 years of prohibition, the Securities and Exchange Commission (SEC) changed its rules, permitting financial advisors to solicit and promote client testimonials in their marketing activities. With thousands of hours spent evaluating all aspects of the new SEC Marketing Rule and adapting our platform accordingly, Wealthtender launched the first SEC-compliant financial advisor online review platform.

Wealthtender reaches tens of thousands of people each month who visit wealthtender.com, follow us on social media, and view our content syndicated nationally on sites like MSN.com, Associated Press affiliates, and popular personal finance websites.

Our story is just getting started. I'm grateful for the financial advisors in our community, friends throughout the industry, and consumers we hear from each month who inspire us to reinvest in our business, so we can continue in our mission to help millions of Americans enjoy life more with less money stress.

Social:

https://www.linkedin.com/in/briancthorp/

Music in this episode was obtained from Bensound.

Rodney's Bio:

Rodney Mogen is a 20+ year veteran in the financial industry. He graduated from Macalester College, in St Paul MN in 1999 with a double major in Economics and Finance, and minors in Psychology, History, and Art.

Rodney, has proven himself as an expert in Advanced Life Insurance strategies, long Term Care, Disability Insurance, and Small Business Solutions. He has spoken across the country in many state legislatures, and at many organizations to be able to provide up to date factual information to better serve you the client. He actively coaches and educates advisers on these complex topics in order to make sure clients get the best service possible.

With his wife of 15 years, Myrta, Rodney also runs a non profit for physically abused children and battered/trafficked women to give them outlets. Rodney also sits on several boards including the NAIFA Texas board, the Red Cross of Austin, The National DBA Society, Insurance Industry Government Regulations, and also the Norwegian Society of Austin Board.

Music in this episode obtained from Bensound.

Zack's Bio:

Zack joined the firm in 2019 as a Financial Advisor in the firm’s Institutional Consulting Group. He served as the primary advisor and financial coach for employees of our Corporate Retirement Plan clients. In summer 2022, Zack was promoted to Director of Financial Planning and Participant Engagement. As Director, Zack leads a team of financial planners that help our Private Wealth advisors deliver comprehensive financial plans to their clients and also deliver personalized planning and advice to the participants in the retirement plans that our corporate retirement advisors work with. Prior to joining Greenspring, he worked in a financial planning capacity for RBC.

Favorite Thing About Working With Clients

“I love helping clients articulate their dreams and then collaboratively create a plan to achieve those dreams. I will never grow tired of being there the moment that the client realizes that the life they want is within reach.”

My Philosophy On Client Service

“We may be the experts in the financial stuff, but clients are the experts in their lives. A collaborative approach is key.”

In this episode Broc and Peter Recap what the podcast experience has been like up to this 50th episode. We talk about the podcast setup and many of the awesome things that we have gotten to talk to the awesome fee-only community about!

Enjoy!

Nick's Bio:

Nick Nauta has been practicing financial planning since moving to the Lansing area in 2006. After studying Financial Management and Economics at Northern Michigan University, Nick ventured into the financial planning industry. Having a young daughter and wife, Nick wanted to stay in Michigan. At the time he graduated, one of the few jobs available for a finance major was as a financial advisor.

Nick struggled through his first few years in the profession. He relates the struggle to his early memories of money living in Spring Lake, Michigan. One of the things he learned about money when he was growing up was the people who seemed to have the most of it, weren’t inherently happier than those who didn’t. When he started in the financial advising industry, the profession appeared to be all about making money, something he didn’t hold in high esteem.

Some years later, around the time his son was born, Nick finally started to figure out his place in the financial planning world. He was challenged to answer the question of why he did what he did. Thinking back on his early memories of money, he concluded he was in the financial planning profession to help people realize their life goals.

Nick enjoys giving back to the community as well as his profession. He is currently the past president of the Davies Project, Treasurer of Loaves and Fishes homeless shelter, President of Delta-side business association, and Secretary of Kiwanis of Delta Township. Nick is a Certified Financial Planner™, Chartered Life Underwriter™, Registered Life Planner™, board member of the Greater Lansing Estate Planning Council, and a member of the following professional associations:

CFP® Board

National Association of Personal Financial Advisors (NAPFA)

Financial Planning Association (FPA)

Fee-Only Network

XY Planning Network (XYPN)

Kinder Institute of Life Planning

Greater Lansing Estate Planning Council

Nick's Social:

https://www.linkedin.com/in/nicknautacfp/

Matt's Bio:

Matt Trogdon is a financial planner who lives and works in Washington, DC. He has worked in the financial services industry for 15 years and he entered the field of financial planning because he wanted to help everyday people make better financial decisions. Matt grew up in a family that talked about saving and investing quite a bit, and he recognized the importance that financial fluency has had throughout his life.

Outside of work, Matt teaches financial literacy seminars through Babson College. He also enjoys reading and writing about personal finance, and he spreads the word about saving and investing as much as he can.

Many years ago, Matt graduated from the University of Virginia with a degree in history. He remains an avid history lover and Cavaliers fan today. He lives in DC with his fiancee, Sarah, and their treasured dog, Maisie.

Social:

https://www.linkedin.com/in/mtrogdon/

Twitter: @Matt_Trogdon

Jeff's Bio:

While my interest in personal finance dates back to grade school “stock picking” assignments and investment fundamentals senior projects in high school, my career helping individual investors began in 2003. After spending time managing a branch office for a large online brokerage firm, I joined one of the nation's largest retirement plan providers as an advisor providing comprehensive financial planning advice for high net worth clients.

I received a bachelor's degree in finance and an MBA both from the University of Central Florida. In 2016 I completed the requirements to earn the CERTIFIED FINANCIAL PLANNER™ designation. Over time I have gained nearly two decades of experience evaluating investments, retirement plans, insurance offerings, and many of the complicated elements of your financial life you may be struggling with. More recently in 2021, I added the Certified Student Loan ProfessionalTM designation to gain the knowledge to provide more complete planning around student loans within a client's overall financial plan.

I always had a vision for a firm dedicated to helping people become financially independent, not just helping those who are already there. The decisions we make early in our financial lives, whether they are good or bad, will compound positively or negatively for decades into the future. In 2020 I founded Create Wealth Financial Planning to help the individuals and families I work with make positive financial decisions while they still have time to make a dramatic impact.

In between client meetings I like to keep a clear head playing piano - usually classical or rock songs, or weightlifting out in the garage and getting myself ready to compete some day. I also enjoy working on my public speaking as a member of the Deerwood Toastmasters of Jacksonville, FL. On a nice morning you might catch me hacking up the golf course. I married my wonderful wife Michele in 2007 after we met in college a few years earlier. We live in Saint Johns, Florida raising our two amazing daughters and we love spending time with family and friends, a quick trip to St. Augustine or to the beach, and cheering on our favorite sports teams.

Jeff's Social:

https://www.linkedin.com/in/jmcdermott/

Twitter: @Jeff_McD_CWfp

Instagram: dollarsanddeadlifts

Music in this episode was obtained from Bensound.

Brett's Bio:

I’m a born and raised Buffalonian, and the founder of Eudaimonia Wealth.

I’ve spent the majority of my career working for a large wealth management firm. Over time, I realized the focus was more on how to make the firm more money, not how to make a greater difference in the lives of the families served. I knew there was a better way.

In 2019, I chose to leave the brokerage world and establish Eudaimonia Wealth. As an independent, fee-only registered investment advisor, I'm proud to provide advice 100% of the time under the fiduciary standard; a legal requirement to always put the interests of my clients first.

I’m passionate about the work I do and the opportunity to make a meaningful impact in the lives of others. I hold the CERTIFIED FINANCIAL PLANNER™ designation, and am a member of the following professional organizations:

CFP Board
National Association of Personal Financial Planners (NAPFA)
Financial Planning Association (FPA)
XY Planning Network
Fee-Only Network

I grew up in Kenmore, attended Canisius College, and live in the Elmwood Village alongside my wife, Erin. I currently serve on the board of directors for Habitat for Humanity Buffalo, the board of directors for the Financial Planning Association of WNY, and enjoy staying actively involved in the many things that make Buffalo great.

On the personal side, I'm a Buffalo sports enthusiast, have played ice hockey and soccer for most of my life, and love the shift in perspective that traveling provides. Here are a few fun facts about me that you might not find elsewhere!

Brett's Social:

Twitter - @brett_koeppel

https://www.linkedin.com/in/brettkoeppel/

Matt's Bio:

I spent over 10 years helping corporations, hedge funds and institutional investors squeeze every last dollar out of their investments before I finally asked myself: what is most important in life, and what's keeping me from getting there?

So, what's important to me: spending time with my family, pursuing a career I'm passionate about and running a business that allows me to partner with like-minded individuals.

My dad passed away at age 58 and I constantly remind myself that life is short, and I better not regret how I live it. I am now lucky enough to say I work in a field that brings me happiness and fosters my personal values.

A perfectionist by nature and self-proclaimed finance/tax nerd, I genuinely love helping individuals simplify their financial lives so they too can focus on what's most important to them.

Social:

https://www.linkedin.com/in/matt-pruitt-cfp%C2%AE-cfa-02aab548/

Website:

https://exhalewealth.com/

Sean's Bio:

I graduated from the U.S. Naval Academy in 1992 and served in the Navy for twenty years as a surface warfare officer. My education in financial planning began in the spring of 1994 when a Naval Academy classmate who cared enough about my wife and me to not take no for an answer told us, “We’re going to dinner Wednesday night.” Tom routinely chose great restaurants, so we showed up at the appointed place and time without discussion or complaint.

Dinner was unremarkable. Fixed menu rubber chicken fare. Perfectly adequate, just not the over-the-top good stuff we were used to Tom picking out. But the seminar given during dessert changed our lives. In less than sixty minutes, we were shown the simple outline of a financial plan to get us moving in a sustainable fashion toward a comfortable retirement. And afterward, Tom introduced us to the man who would be our agent for twenty years. Dave helped put us on our path to financial independence in 1994 and helped us make the adjustments along the way to keep us on it. And when I retired after twenty years of Navy service, he mentored me into the financial services business.

Among dozens of things Dave taught me over twenty years, two of them were critically important. One of them was the sort of product knowledge that got me credentialed and sufficiently competent to help others identify their own goals for financial independence. Far more important was the spirit of service he exemplified every day. Lots of people talk the “client always comes first” talk. Dave walked it, being just as candid with us when we were on track as when he thought we were getting ready to make a mistake. And we always felt his recommendations were in our best interests. It wasn’t just that his interests were secondary. They didn’t enter into the conversation at all. It was in that spirit that I got licensed in 2013 to help families plan for their own sustainable financial futures.

My wife Jennifer and I have been married since 1992. When I retired, we decided to put down roots in Chesapeake Virginia, in the community where we have owned a home since 2001 and, when not stationed overseas, raised our three daughters.

Social:

https://www.linkedin.com/in/sean-gillespie-1801316/

Andrew's Bio:

Hi, I’m Andrew.

I help educators and government employees make sense of their finances so they can focus on living life.
When I was a teacher and DC Public Schools staff member, I signed up with one of the salespeople pushing expensive 403(b) plans. When I learned I was set up to pay hundreds of thousands of dollars in unnecessary fees over the course of my career, my outrage fueled a passion to help other educators.
Now I’m a CERTIFIED FINANCIAL PLANNER™ professional working with educators and government employees in Washington, DC, Maryland, and Virginia.

Andrew's Social:

https://www.linkedin.com/in/andrew-katz-moses-cfp%C2%AE-7987299/

Twitter: @mrkatzmo

Jesse's Bio:

Jesse serves as an Associate Relationship Manager at Cobblestone. He received an M.S. and B.S. in Mechanical Engineering from the Hajim School of Engineering at the University of Rochester. Prior to joining Cobblestone, Jesse worked for six years at L3Harris, specializing in Mechanical Analysis on satellite telescopes. Jesse’s written articles on personal finance and investing have been featured on CNBC, Yahoo Finance, and the Wall Street Journal. Jesse, his wife Kelly, and their foster dogs reside in Gates.

Social:

Twitter - @BestInterest_JC

Linkedin - https://www.linkedin.com/in/jesse-cramer-11b58155/

Bio:

COLIN OVERWEG, CFP®

Professional:
I was sick of commission, proprietary products, sales quotes, clucky technology and being told how to help my clients so left the broker dealer world forever and launched Advize Wealth!
Since then I've been name an Investopedia Top 100 Advisor in the Country, serve on the Board for the Financial Planning Association, frequently guest lecture at Universities have been feature in multiple publications.
My passion is to power yours!

Personal:
I live in Los Angeles, CA with my amazing wife, Alyse! We make frequent visits to our home towns in Michigan to visit friends and family.
When I'm not working, you can find me at the beach attempting surf, long boarding, mountain biking, making financial vlogs, golfing and traveling!

Social:

https://www.linkedin.com/in/colinoverweg/

Twitter: @colinoverweg

Guy's Bio:

With over 20 years in the financial services industry, Guy has extensive experience as a family-centric investment advisor. He specializes in estate planning, inheritance oversight, and wealth transfer strategies for families.

Previously with Citi, Bank of America Investment Services, and MML, his ultimate ambition was to provide unbiased estate oversight and launched a private practice in 2010 which would grow into core planning.

Growing up in south Ferguson, Guy attended De Smet Jesuit High School through its work-study scholarship while earning a full ride as an Evans Scholar to the University of Missouri-Columbia. After studying Finance and Fine Arts at Mizzou, he followed up with a Masters Degree in Finance at Webster University in St Louis.

Nationally recognized, Guy's advice has been quoted by such outlets as Inc. Magazine, Newsweek, Forbes, US News, Consumers Digest, Fox Business, TheStreet.com, Parade Magazine, MSN Money, Nasdaq.com, Financial Advisor Magazine, On Wall Street, and Yahoo Finance among others.

Blessed with wonderful family and friends, Guy loves outdoor activities such as trail-running, kayaking, hunting and fishing. He is actively engaged in the community, volunteering on multiple nonprofit board seats.

Always cultivating creative imbalance with art: oil, acrylic, and fused glass.

He and his wife, Jaime Lee, live in O'Fallon, Missouri with their four amazing, loud, and loving children.

Social:

https://www.linkedin.com/in/guypenn/

Twitter: @guympenn

Tyrone's Bio:

Tyrone Ross is the CEO and Co-founder of Turnqey Labs, Inc. and President and Founder of 401 Financial, a registered investment adviser. Formerly as the CEO and Co-founder of Onramp Invest he raised $7M in venture capital from Gemini’s Frontier Fund, Coinbase Ventures, SoftBank’s Opportunity Fund and others. He has been recognized by Investment News 40 under 40 (2019), and WealthManagement.com as a top ten advisor set to change the industry in 2019. FinancialPlanning.com named him as one of 20 people who will change wealth management in 2020. He was recently named as Investopedia’s Top 100 financial advisors, Think Advisor’s 2021 IA25: VIP’s Pushing Advisors Forward, and most recently acknowledged as one of Barron’s 10 people to watch in wealth management in 2022.

Social:

https://www.linkedin.com/in/tyroneross/

Twitter: @TR401

Colin's Bio:

Colin is the founder of Zizzi Investments along with his brother Brennan. Investing and soccer have been two of his biggest passions for as long as he can remember.

Colin studied finance and accounting at American University, where he was also a four year member of the NCAA Division 1 soccer team. After college, he moved to Spain for 16 months to pursue his dream of playing professional soccer. He returned home to play professional soccer in Central PA for the next three years.

While still playing soccer, it was by completely by chance that he joined a local advisory firm where he spent the next 10 years. During this time, Colin earned his CFP®, AIF®, and CEPA® designations while helping to oversee more than $500 million of qualified retirement plan assets and $100 million of individual wealth management relationships.

Colin resides in Mechanicsburg, PA with his wife Molly, his son's Carter, Julian, and Leo, and his dog Sage.

Colin's Social:

https://www.linkedin.com/in/colinzizzi/

Twitter: @ColinZizzi

Music in this episode was obtained from Bensound.

Ann's Bio:

I’m also a CFP® and owner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland OR, author of The College Financial Lady blog (thecollegefinanciallady.com). My blog has approximately 15,000 subscribers in various media (blog, Facebook). In addition, I’m regularly cited in national media (New York Times, US News & World Report) on the subject of college planning. I earned a BA from the University of California, Berkeley, and am a member of Phi Beta Kappa and of NAPFA, the leading association of fee-only financial advisors.

Early in my career as an advisor, I noticed that clients had so many questions about college—and very few advisors were willing to tackle those questions. Since I kept hearing the same questions again and again (and wanted the answers myself), I started writing down answers in blog format, and The College Financial Lady was born. After seven years, I have developed a wealth of content on this topic through research, interaction with readers, and personal experience. Two years ago, I had an opportunity to put my knowledge to the test when the time came for my own children to apply to college.

Social:

Twitter: @anngarciacfp

Linkedin: https://www.linkedin.com/in/ann-garcia-cfp/

https://howtopayforcollege.com

https://www.ipawealthmanagement.com/

Music in this episode was obtained from bensound.

John's Bio:

“John is the only financial advisor you’ll ever meet who’s managed over $3 billion and a sushi kitchen.”That’s what it says on my public relations bio at least, and I’d bet it’s true. My path to financial planning was neither straightforward nor easy. That winding road gave me a unique and valuable perspective on investing and life.

After working through the crucible of the 2008/9 financial crisis, I decided to take a page from Monty Python... “And Now for Something Completely Different.” In 2010 I opened Rold Rite Sushi, a wholesaler of fresh sushi and other Asian foods to the trade. I grew the business until I sold it in 2015 to take on the most important job of my life to date, as a stay-at-home dad.

When my son entered school, I knew I wanted to return to finance. This time I have a selfless desire to help people that I learned by working in the food business. Food service workers want to make people feel better. I want to share knowledge and wisdom that can help folks better prepare for the future. I want my clients to feel better and worry less about their future because they have a plan for it.

I spent decades on Wall Street. I traded and designed some of the most complex bonds ever seen. Then I managed massive portfolios for large institutions. I learned two important lessons from that time.

First, the more complex the investment, the greater its costs.
Second, the greater its costs, the worse it performs.

For investors, simple is better than complex. Einstein said, “Everything should be made as simple as possible, but not simpler.” My mission is to give you more simplicity and less complexity – in both investing and in life.

John's Social:

Twitter: @StojBoj

https://www.linkedin.com/in/johnstoj/

Music in this episode obtained from Bensound

Kaylin's Bio:

When my dad died his life insurance policy was supposed to name my sister and me as the beneficiaries according to his divorce agreement with my mom. It turned out he had changed the beneficiary to his new wife. I was a teenager, and this was my first time learning that there’s no one out there making sure people stick to their legal agreements. It seemed bizarre to me that the only mechanism to enforce an agreement is to pursue someone legally after they’ve broken it. Surely lots of people don’t even mean to break their agreements, right?

When my husband and I got married we first signed a prenuptial agreement. By that point I’d already learned that it was up to us to make sure we upheld the terms of our own agreement. We didn’t have an authority figure reminding us how to title our accounts and property, paying attention to which accounts should receive what type of income deposits, or making sure we maintain life insurance, as we’d agreed to do. But I started thinking: wouldn’t it be nice if we did?

Financial advisors are in a unique position to help families proactively keep family law out of their family’s choices.

Whether it’s for a divorce or a marriage, couples don’t enter into marital agreements lightly. This is why I care about helping couples uphold the agreements they’ve made all the while helping them plan confidently for their future together.

Kaylins Social:

Twitter: @kaylindillonfin

Matt's Bio:

Serving others is at the core of why Matt loves being a wealth manager. By working closely with individuals and families, Matt enjoys getting to know his clients on a personal level and helping them make better financial decisions as their lives evolve. With a natural curiosity in money, markets, public policy and business, Matt is always seeking to expand his understanding within these areas. He regularly applies newfound knowledge to create robust wealth plans and investment strategies that improve his clients’ financial health.

Matt founded Faubion Wealth Management (FWM) to serve the next generation of wealth generators with the thorough and extensive standard that he believes is required of the position. The firm stays true to its objective approach, by only providing clients with fiduciary advice that is in their best interest. In doing so, FWM designs strategies that are diligently and custom built, given our in-depth process to get to know you, your financial portrait, and the goals that set you apart.

Matt began his career as a Wealth Advisor Associate with a boutique wealth management firm in San Francisco. He was a team leader in advancing the firm’s wealth management platform, which specialized in working with high-net-worth technology entrepreneurs. During his time at the firm, he became a CERTIFIED FINANCIAL PLANNER™ professional and was promoted to Senior Wealth Manager. He later joined a nationally recognized financial planning and wealth management firm in Walnut Creek, CA and worked with their Barron’s top 100 independent advisor founder. Additionally, he passed the level 1 exam of the Chartered Financial Analyst designation. And before founding FWM, he was a Wealth Strategist and Partner at a start-up wealth management firm in San Francisco.

A Bay Area native, Matt grew up in Pleasanton, and he currently lives in Dublin with his wife, dog and two cats. Coming with the territory, he loves following the 49ers, Sharks, Warriors and Giants. Outside of work, Matt enjoys volunteering and giving back to his community. He is an avid lover of all kinds of music, from classic rock to EDM, and is currently learning the guitar. Matt also enjoys long walks with his wife, spending time with family, reading, traveling, exercising—and all of the great outdoor activities the Golden State has to offer.

Matt's Social:

https://www.linkedin.com/in/matthewfaubion/

Twitter: @FaubWealth

Music in this episode was obtained from Bensound.

Riki's About Me Video:

https://www.2point0financial.com/about

Social:

https://www.linkedin.com/in/richard-cooke-crpc/

Twitter: @RikisRamblings

Music in this episode was obtained from Bensound.

Steven's Bio:

Steven aims to bridge the gap between tax professionals, financial advisors, and their mutual clients to help reduce most people's largest expense in retirement: taxes! With over 10 years of experience from top accounting firms and by partnering with some of the most successful financial advisors in the industry, Steven is uniquely positioned to help financial advisors deliver massive value to their clients AND stay between the lines on compliance. With his valuable skill of distilling endless pages of IRS tax code and case law into easy to explain--easier to implement--actionable items that financial advisors can use with their clients today!

Linkedin: https://www.linkedin.com/in/steven-jarvis-ba91aa23/

Music in this episode obtained from Bensound.

Meg's Bio:

"I worked in the tech industry straight out of college. Through the first Dot Com Boom. Aaaaand through the crash. When I got laid off. Fun times.

In my 30s, I got bored with my work in tech, and I changed careers into financial planning. I also got married, had two babies, moved cross-country twice, went back to school for a graduate degree, bought my first home, decided (I mean, not unilaterally) to have my husband retire from tech and become a stay-at-home dad, and started a business (this one!).

I don’t know if I’d have had the guts to do all of that without the money and flexibility my husband and I both got from the tech industry. Which is why I love working with women in their early to mid career in the tech industry.

It’s such an exciting time of life. And the opportunities are almost boundless. But it’s so stressful. And oh my goodness, what do you mean “estimated taxes”?!

I’ve learned that if we are intentional and if we do the work, our opportunities in the tech industry can help us build that fulfilling life we all crave.

What else about me?

Wellllll, I grew up in Newport News, Virginia. I went to Wellesley College in Massachusetts, where I majored in Economics, gained 10 pounds (unlimited Fruit Loops? whut?!), and learned to banish writer’s block. I moved to the Bay Area in 1998 and worked as a technical writer for 10 years in the San Francisco Bay Area, mostly in the software-security sector. ‘Tis also, it should be noted, where I met my husband. We both worked on the Engineering team at a small startup.

After I changed careers, I got my Master’s of Science in Financial Planning from Golden Gate University. I then worked for fee-only Registered Investment Advisors, back in Tidewater Virginia.

In search of a home better suited to us, my husband, my two daughters, and I moved to Bellingham, WA. Julia the Dog—a sweet girl, if not technically a good girl—joined us a couple years later.

So much of what makes me happy—hiking, biking, cooking, yoga, kale, and ancient minivans missing hubcaps—are part of the fabric of life here. For those rare times when I have a stretch of silence and time, I love reading books about European royal history, sci-fi/fantasy, and Anything Russia.

I am a Certified Financial Planner™ professional, a Registered Life Planner™ and a member of the XY Planning Network and the Financial Planning Association."

Meg's Social:

Twitter- @MegBartelt

Linkedin - https://www.linkedin.com/in/megbartelt/

Music in this episode was obtained from Bensound.

Jon's Bio:

Jon Luskin is a fee-only, advice-only CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and fiduciary in sunny San Diego, California. Jon specializes in providing hourly advice to do-it-yourself investors.

Jon is a long-time advocate of simple, low-cost investing. His master’s thesis showed how university endowments can generate more wealth (and take on less risk) by using passive index funds. Jon’s other research has been published in the peer-reviewed Financial Planning Association’s Journal of Financial Planning. Jon has had the fortune of presenting his research to advisors across the country.

For his contribution to the industry, Jon has been recognized as one of the financial planning industry’s top young advisors by InvestmentNews magazine. Jon has been featured in consumer-facing and advisor-facing publications, including the New York Times, the Wall Street Journal, and Michael Kitces’ blog, Nerd’s Eye View.

In 2019, Jon and his wife Lien dedicated one full year to travel. The two started their adventure by taking four months to convert a cargo van into their home on wheels. They then spent several months traversing the western United States and Mexico. Lien documented their adventure on her blog.

Jon provides pro-bono financial planning to low-income households with the San Diego Financial Literacy Center, a 501(c)3 organization. He also volunteers with Second Chance Dog Rescue and Four Paws Dog Rescue.

Jon's Social:

Twitter: @JonLuskin

Linkedin: https://www.linkedin.com/in/jonluskin/

Daniel's Bio

Hello, I’m Daniel – husband to Anna, widower to Sarah, Air Force veteran, business owner, writer, speaker, CFP® Professional, financial planner, and Christ-follower. I’m the founder of Wise Stewardship Financial Planning where we offer fee-only, fiduciary financial planning and investment advice with a special focus on young widows and widowers as well as servicemembers and their families.

Grief changes everything. I know that all too well from personal experience as I became a widower at 31 and before that, father to 3 children in heaven. My passion and purpose now is to take what I’ve learned from those experiences combined with financial planning and advice to be a help to you in your own unique grief journey. Wise Stewardship works together with you to help gain stability in your current financial situation, prioritize next steps, and walk with you into a new and different future.

Here’s the rest of my story and why I became a financial planner. I’ve always been interested in money since I was a little kid, including out-bidding my siblings for chores-for-hire, to providing loans to my siblings and friends when they had spent all their money and diligently saving my allowance for future goals. Over time this evolved into reading the stock pages in the newspaper as a young teenager and then choosing to major in economics in college. After completing Air Force ROTC at Purdue University, I commissioned as an officer into the Air Force in 2009 but continued my personal interest into personal finances, investing, and all things money-related.

In my college years and early 20s, I read hundreds of books and spent thousands of hours studying financial planning topics. I also had the opportunity to be a volunteer financial counselor during many of the years when I was on active duty in addition to helping and educating family and friends over the years. Thanks to countless help along the way, I learned more about the financial services industry and found my way to fee-only, fiduciary financial planning. It was through these experiences that sparked my passion and helped me realize what I wanted to do whenever I decided to leave the military!

As an officer on active duty for almost 9 years, along with a brother, sister, and brother-in-law in the military, I experienced firsthand the benefits and challenges that military life can have on all aspects of life especially finances. Frequent changes like TDY’s, deployments, and PCS’s add unique potential opportunities and obstacles to meeting goals and dreams. Add in the often disparate and sometimes confusing military pay, benefits, scattered military benefits and discounts, and countless people offering advice or services, and there is often a lack of clarity on how best to optimize all of these to best meet goals.

I’ve seen almost everything military life can throw at you and been through much of what you probably have questions about. I’ve learned a lot about what works and what doesn’t; what’s important and what isn’t. I’m now able to use these vast experiences to help my clients navigate the challenges of the busy military life, get the most out of your hard-earned benefits, and help you achieve your goals.

Social:

Linkedin: https://www.linkedin.com/in/danielmkopp/

Twitter: @danielmkopp

Instagram: wisestewardshipfinancialplan

Music in this episode was obtained from Bensound.

Travis's Bio:

Hi! I’m Travis, A CERTIFIED FINANCIAL PLANNER™ professional and the founder of Kinetix Financial Planning. I believe money is a tool that can unlock the optionality of life. My goals are to help optimize your cash flow, grow wealth, and pay less money to Uncle Sam through dynamic financial planning and investment management.

Prior to my career as a financial planner, I graduated with a business degree from the University of North Texas in Denton, Texas. I began my professional career at a large brokerage firm where I learned the ins and outs of the financial markets. During this time I was able to gain valuable experience in financial markets, risk management, and personal finance. I then found my path working as a wealth manager for a small financial firm serving pre-retirees and retirees which included selling insurance to clients. I realized that insurance sales mixed with financial planning created a huge conflict of interest! I made the decision to become a fee-only financial planner in order to give my clients real financial advice with limited conflicts of interest.

On a personal note, I live in the Dallas/ Fort Worth area but grew up a small-town kid in central Texas. When I am not helping my clients, I enjoy the outdoors, traveling, reading, or listening to the next queued up podcast. In addition, I am a supporter of the professional sports teams in the Dallas/Fort Worth area. An avid outdoorsman – hunting, fishing, hiking, skiing, and everything in between. I have a husky that keeps me busy and active named Koda. Who is also the CEO (see below). My favorite getaway is Montana where I have family!

Instagram: kinetixfp

Linkedin: https://www.linkedin.com/in/travisgatzemeier/

Twitter: @T_Gatzemeier

Music in this episode obtained from Bensound.

TJ's Bio:

Before launching MWB in the fall of 2018, I worked for several financial planning firms honing my craft behind the scenes and strategizing on how to put the pieces together to build a value-oriented practice.

Working in the tech space, I focus on professionals ages twenty-five to forty who have experienced a windfall via equity compensation and are looking to maximize their newfound wealth to plan for FI.

I’m incredibly passionate about financial independence, pursuing autonomy, and creating an intentional lifestyle through planning.

At MWB, I’m committed to working with a maximum of fifty client relationships at any time.

A little bit about me; I grew up on the island of Martha’s Vineyard, where I currently spend my summers.

I live in Woburn, MA, just north of Boston, the rest of the year.

Social:

https://www.linkedin.com/in/tjvangerven/

Insta: @modernwealthbuilders

Twitter: @TJvanGerven

Cyndi's Bio:

Cyndi draws on a deep and varied career in the financial industry. Her career has taken her on a dual path of both individual and corporate investment and risk management. Early in her career she served as Vice President of Foreign Currency Trading at Bank of America. In addition to trading, she also developed and implemented strategic capital markets risk management programs for multi-national corporations. She spent many years as Managing Partner of National Bond and Trust, a national financial benefits provider, where Cyndi developed and implemented a national investment program for individual investors. It was during that program development that Cyndi realized her passion for helping individual investors. She has committed the rest of her career to broadening her service through Walsh Advisors.

Cyndi first became an investor at the age of 17 when she first participated in the 401K program at McDonald's Corporation. After earning her bachelor’s degree in Computer Information Technology from Purdue University, her passion for investing compelled her to attend the University of Chicago where she earned an MBA in Finance. Cyndi’s pursuit of knowledge continues as she recently completed her Doctorate degree at DePaul University Kellstadt Graduate School of Business with a Finance specialty.

As a seasoned fiduciary Cyndi has lended her investment expertise to service in various trustee roles including the Indiana Bond Bank, Indiana Public Employee Retirement Pension Fund and the Indiana State Teachers’ Retirement Pension Fund. She has also served as a board member of the Indiana Education Savings Authority. These roles have also provided her invaluable portfolio management expertise.

Walsh Advisors website:

https://walshadvisorsinc.com/about

Cyndi's Linkedin

https://www.linkedin.com/in/cyndi-walsh-9293316b/

Jim's Bio:

Hi, I’m Jim Crider— a husband, dad, and CEO of Intentional Living FP.

Prior to starting Intentional Living FP, I worked primarily with the standard clients of most wealth management firms— financially successful families seeking guidance with the wealth they’ve accumulated over decades. While I cherish each client I’ve served, I came to find the clients I enjoy most: families that desire to achieve early financial independence for the sake of spending significant time with the people they care about, doing the things they enjoy.

I am a CERTIFIED FINANCIAL PLANNER™, and the message I tell every client I work with is that my role is to guide— to live where my clients’ lives and money intersect so they can live the life they want to live. The money is simply a tool, a resource that is there to help you live the life you want.

When I’m not engaged in a conversation with people about life, priorities, and doing what is important to them, I can be found chasing around my kids, Atticus, Asher, & Arlo, spending time with my wife, Kendra, or out on an adventure.

Social:

Twiiter - @JimCriderTX

Linkedin - https://www.linkedin.com/in/criderjim/

Instagram: https://www.instagram.com/jimcridertx/

Josh's Bio:

After 8 years in the industry, Josh discovered the RIA community.

He discovered a unique way to network with financial planners - draw them as a cartoon. As he continued to network, Josh realized that FinArt could become a business.

His dream is to create content for advisors to easily explain financial concepts in a fun way, and to create content for the public to easily understand their world.

When he’s not creating art, Josh loves doing anything with his wife, Michelle, and they love to travel. They’re based out of Bellevue, Nebraska.

Twitter: @TheFinArtist

Linkedin: https://www.linkedin.com/in/josh-passler-finart-80b4b1249/

Instagram: thefin.artist

Website: https://www.thefinartist.com/

Music in this episode was obtained from Bensound.

Colton's Bio:

My name is Colton Etherton.

I'm The Tattoo Artist Advisor. I'm also a Certified Financial Planner™ practitioner and the owner of Out of the Office Planning.

I've worked in finance for nearly a decade.

After growing tired of traditional firms where I seemed to only be helping people that were already wealthy, I decided to launch my own firm and work with people that I wanted to work with - tattoo artists.

Social:

Twitter: @thetattooadvisr

Instagram: thetattooartistadvisor

Jamie's Bio:

Jamie’s career began with Morgan Stanley in 2006, later joining Fidelity Investments as a Vice President in 2011, where he was responsible for the oversight of over $1 billion in assets of nearly 500 high-net worth families and businesses.

He brings over 20 years of wealth management and hands-on experience in the Financial Services industry. Jamie loves helping his clients make complex financial decisions, and ‘making the puzzle pieces ‘fit’ for them.

"I grew up in a family that always seemed to have money challenges. They didn’t have the financial freedom they longed for.

I promised myself early on that I would do whatever I had to do in order to ensure that my clients never feel the same struggles relating to money that I did.

Because of those experiences, I’ve created a firm dedicated to helping others continue to doing what they love to do with ZERO financial stress."

Social:

https://www.instagram.com/jamiemlima/

https://www.linkedin.com/in/jamielima/

https://twitter.com/JamieMLima

Music in this episode was obtained from Bensound.

Frank's Bio:

A lifelong learner, Frank has been in and around the financial services industry since 2008.

During that time, Frank has worked as an investment consultant at a national brokerage firm and as a Wealth Advisor/Co-Chief Investment Officer at a $2.5 billion locally owned, independent advisory firm. With experience from “both sides of the table” Frank set out to build the next generation of wealth management firms. One that doesn’t care about “managing your money” but instead focuses on building relationships, empowering investors, and aligning the fees investors pay with the services received.

Frank holds a Bachelor of Science in Business Administration with a Finance focus from the University of Central Florida.

Frank also holds the following designations:
- CERTIFIED FINANCIAL PLANNER™ (CFP®) professional
- Chartered Financial Analyst® (CFA®)
- Accredited Investment Fiduciary® (AIF®)

On a personal note, Frank lives in Winter Park with his wife Kaitlyn, daughter Astrid, and best furry friend Rudy.

Social:

https://www.linkedin.com/company/franklyfinances/

https://twitter.com/FranklyFinances

Music obtained from Bensound.

Bio's:

Hey there! I’m Drew. (My last name is pronounced “fights”.) I’m from a cornfield about 35 miles southwest of downtown Indianapolis. I now live west of Indianapolis with my wife, Amanda, and our golden retriever puppy, Gus. I love traveling (check out my personal bio page for a few pictures), being outside, getting a lift in at the gym before work, and trying new craft beers. Reading what I just wrote, it sounds like I’m the stereotypical Millennial.

Favorite Sports Team = Pacers
Favorite Places Traveled = Rome, Athens, Dublin, Sedona, Kauai
Favorite Food = Shrimp
College Alma Mater = Indiana State University
High School Graduating Class Size = 36

Hi there! My name is Jeremy. I grew up in a smalltown in Northwest Indiana and have always been somewhat of a home body. After graduating college, I moved a whopping 11.8 miles away from my hometown. However, this hasn’t kept me from the urge to travel. I’m a retired, mediocre athlete who has recently picked up golf and become obsessed with it ever since (although I can’t seem to get any better).

Favorite Sports Team = All Chicago teams (even the White Sox)
Favorite Places Traveled = England
Favorite Food = Tavern Chicken Sammy from Tavern on Main in Crown Point Square
College Alma Mater = Indiana State University
High School Graduating Class Size = 291

Linkedin:

Drew: https://www.linkedin.com/in/drewfeutz/

Jeremy: https://www.linkedin.com/in/jeremycrocker/

Music in the episode obtained from Bensound.

Nick's Bio:

I’m a CERTIFIED FINANCIAL PLANNER ™ based in Costa Mesa, California. I love financial planning and truly nerd out over it. I decided to create Swell Financial because I believe a financial planning firm ultimately succeeds by putting clients first. I also firmly believe in the concept of ABUNDANCE. This notion that money is simply a tool that we are called to steward in order to enrich our lives and the lives of those around us. Abundance calls us to disregard the mindset of greed and scarcity and instead believe in the concept of always having enough, being generous, and blessing others. It’s my mission to help people improve their finances and turn their dreams into reality.

Outside of the office, you can find me surfing, tirelessly searching for the best local restaurant in town on Yelp, or maximizing a 3-day travel weekend with my wife, Kristin. Full disclosure, if you see me on my phone, I’m more than likely scrolling through dog videos on Instagram as Kristin and I dream about one-day being dog parents in the not too distant future.

Nick's Social:

Twitter: https://twitter.com/swellfinancial

Instagram: https://www.instagram.com/swellfinancial/

Linkedin: https://www.linkedin.com/in/nick-covyeau-cfp/

Music in this episode was obtained from Bensound.

Treyton's Bio

Treyton is a financial planner, writer, creator, and the co-founder of AllStreet Wealth.
‍

After earning a Business Finance & Marketing degree while playing baseball at McPherson College, Treyton has spent all of his time throughout his young career in the financial services industry. With a passion for helping others, he made his way into financial planning with one mission:

Make financial advice more accessible for our generation

When he's not trying to change the perception of the financial industry, you can find him at a local skatepark, trying new restaurants, writing, or snapping pictures in Kansas City ⛲️

Social:

Twitter: https://twitter.com/treytonwrites

Linkedin: https://www.linkedin.com/in/treytondevore/

Music in this episode is obtained from Bensound.

Leo's Bio:

My name is Leo Marte. I love helping Christians executives unlock the possibilities of what they can do with their wealth.

I currently reside in North Carolina, where my wife and I are raising two beautiful children.

I am a CERTIFIED FINANCIAL PLANNER™, the gold standard of financial planning expertise. 28% of advisors in the U.S. hold this designation, and only 4% of CFP® professionals are Hispanic or Black.

I hold a DACFP Certificate in Blockchain and Digital Assets, the only certificate program designed for financial professionals. Graduates of the program gain the essential knowledge and understanding of blockchain and digital assets and are able to provide investors with the advice* they need about this new and transformational asset class.

Abundant Advisors is a fiduciary, fee-only, and virtual advisory firm, serving clients locally and across the country.

Leo's Social:

Linkedin: https://www.linkedin.com/in/leomarte/

Music in this Episode was obtained from Bensound.

Tyler's Bio:

Why I chose financial planning : It brings me great satisfaction helping the people I work with solve the problems that worry them the most. Aside from the head knowledge and experience required on my part, taking time to listen, organize, and plan in collaboration is equally important. The communication portion of my work is very fulfilling to me, and it has led to many enduring relationships that I cherish. In the end, it is the peace of mind that my clients possess that leads me to continue in this work.

What I believe : I believe people are their own best financial advocates, even if they need help from planners like me. To that end, I give all of my knowledge to the people I work with so that they are more and more empowered to advocate for themselves. When I am needed less, that is a win, that is the best outcome.

When I’m not working you’ll find me spending time doing volunteer work in the community, and getting out into nature with my wife and our young son.

Investment Advisor Representative CRD 4956662
Enrolled Agent #122576
LinkedIn
Twitter

Phil's Bio:

My earliest memories of being exposed to the stock market are drawn from experiences with both of my grandfathers. As immigrants without any formal education, investing was a way for them to partake of the American dream and grow their limited but hard-earned wealth. I have memories of being at my grandparents’ home on a Friday night and watching Louis Rukeyser’s “Wall Street Week” on public television in the 1980s. Occasionally, I would even receive a share or two of stock for my birthday and with that, my passion for investing and the capital markets was born.

After college graduation, I went to work on the floor of the exchange and before long, I scraped up a little money and leased a membership at the Chicago Board of Trade. At that time, the 30-Year Treasury Bond pit was the largest, most active futures contract in the world. That’s where my journey began. While personally trading a thousand contracts a day at times, I saw firsthand how devastating a lack of discipline and planning can be to your financial health.

After a series of business opportunities, I was offered a wealth management position with the Wall Street firms Morgan Stanley and later at JP Morgan. The training and experience at the big firms was great but with their emphasis on selling financial products, I became frustrated. My compensation was largely based on what I sold, not on how I advised regarding wealth accumulation, retirement or tax planning. I had learned years ago from my father, a CPA with his own practice, that relationships are your most valuable asset. My father, in fact, has served some clients and their families for over 50 years- and that is not an accident.

My firm, Breakout Private Wealth, was founded on that principle.

Everything begins and ends with my family. My boys, Andrew and Blake, now teenagers, have taught me more about life than any book or designation. Our time together at the rink, on the field or just at home challenges me to continue to be a better version of myself. My wife Jami, who had no idea that a blind date at the Chicago Blackhawks game twenty plus years ago would turn into a lifetime of hockey rinks and a garage full of sporting equipment, keeps us all on track.

Music in this episode was obtained from Bensound.

Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010.

Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.

Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money (Portfolio/Penguin).

His sketches have appeared in a solo show at the Kimball Art Center in Park City, Utah as well as other showings at Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and an exhibit at the Mansion House in London.

His commissioned work is on display in businesses and educational institutions across the globe.

Find Carl on social media here:
https://www.linkedin.com/in/thinkingcarl
https://twitter.com/behaviorgap

Music in this episode was obtained from Bensound.

The One-Page Financial Plan: A Simple Way to Be Smart About Your Money

The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money

Andy works with clients to not only discover their personal life vision, but assist in creating and executing a plan to help that vision become a reality. His responsibility is to act as a personal fiduciary, advisor, and confidant. Andy is most excited and proud to be a part of a team that not only cares about financial wellness, but strives to help client's flourish in all aspects of life.

"I work to help people uncover their life vision and develop a comprehensive plan to help them fulfill that vision.

I also host a podcast called 9 Minute Money Tips where I simplify complex money topics in 9 minutes or less.

Outside of financial wellness, I'm passionate about nutrition, fitness, and all things health and wellness.

I work to help people uncover their life vision and develop a comprehensive plan to help them fulfill that vision. I also host a podcast called 9 Minute Money Tips where I simplify complex money topics in 9 minutes or less. Outside of financial wellness, I'm passionate about nutrition, fitness, and all things health and wellness."

Music in the episode if obtained from Bensound.

Lei is on a mission to help her clients feel in control of their finances and be confident that they’re on the right track to achieve their financial goals. She serves clients all over the US and she’s fluent in English and Chinese

She is a Chartered Financial Analyst as well as a Certified Financial Planner®.

Lei came to the U.S. to pursue her Masters Degree in Finance from Washington University in St. Louis. Since then, Lei has enjoyed a career in investment management and has built expertise in investment evaluation, portfolio construction and asset allocation.

Having watched friends and family struggle to find true advocates for their personal finances, Lei discovered that investing, while important, is only a piece of the puzzle in personal finance. That’s when she switched her focus to advocate for her clients’ overall financial wellbeing. Since then, she has enjoyed helping clients in not just investing, but also other areas of their comprehensive financial planning needs, such as tax planning, estate planning and insurance planning.

Lei’s family live in the suburbs of Saint Louis, Missouri. She and her husband Julio love coming up with fun ways to celebrate her two children's Asian and Hispanic heritage, mostly through food. She is also a board member of a local nonprofit.

Music in this Episode

MAX PASHMAN, CFP®

FINANCIAL PLANNER

Your priorities should be addressed by what's best for your needs rather than someone else's sales quota. Unfortunately, the traditional business model in the financial industry has failed to recognize this. Rather than jumping right into a client-facing role, Max decided to invest his time learning more about the financial sector. He worked for several successful teams that guided him towards the appropriate steps towards understanding the financial planning process over time. During his training, he assisted hundreds of households to get them closer to their financial goals and obtained his Series 7, 66, and life + health licenses.

By the time he gained the appropriate knowledge, he had started building his book of business and established a successful online presence to push financial education for his followers. While advising clients at One Wealth Management, Max had begun to understand how he truly wanted to create the best financial planning for his clients. He realized to serve his existing and upcoming clients better required transforming his business into an actual fiduciary model. After obtaining his CFP designation, he founded Pashman Financial as a fee-only company built on that promise.

Music in this episode provided by Bensound

This episode pulls some of the best highlights from the episodes we have done so far!

If you haven't had the time to listen to some of the podcasts all the way through, this is a great way to get some amazing tips that you can directly integrate into your practice.

Check it out!

Music in this episode was obtained from Bensound.

Leland's Bio:

Hey there, I’m Leland!

I am passionate about building relationships and coaching people. It has been said that personal finance is more personal than finance. I find that true.When working with someone’s finances, I don’t often hear them talk about their investment returns right off the bat. Oftentimes I first hear them talk about the things they care about most in life like their family, their dreams, their fears, their stresses, etc.

I believe finances are a tool in our lives that can cause one of two things; anxiety or confidence. I am passionate about helping individuals and families foster confidence and an abundance mindset around their life goals.

After many years working in the insurance and broker-dealer world, I grew tired of transactional relationships. I was working to do financial planning, but It was more product sales than relationships. That is where PeaceLink Financial Planning LLC came in.

I founded PLFP to make a real difference in people’s lives. Through a focus on the financial planning process and building relationships, I am able to understand my clients and what they desire in life. This allows me to tailor advice in a way to maximize the resources at their disposal and help them develop the life that they long for both now and in the future.

As a fee-only CERTIFIED FINANCIAL PLANNER™ ,I have the privilege of serving my clients nationwide to experience the life that they desire. Being “fee-only” means my only source of income is directly from my clients. I don’t get paid through hidden fees or commissions for selling products. This helps minimize the conflicts of interest in our relationship and puts us on the “same side of the table” to achieve your goals.

When I am not working with my clients, you can find me spending time with my family (my wife, Lindy, our son, Levi, and our pup, Sutton) being with our family and friends, playing pickleball, or doing anything that involves water (swimming, surfing, boating).

Justin's Bio:

I founded Assist FP to help online fitness coaches and fitness entrepreneurs navigate the financial challenges associated with being a business owner.

The real me.. (keep scrolling for the professional version)

In my free time, I love to spend time with my fiancée, family, and friends. I’m usually in a gym or somewhere by the water during the summer (I hibernate during the winter). I love to read business and personal growth books, listen to podcasts, binge documentaries, or watch Boston sports during my downtime.

My fiancée is a travel nurse, so we currently bounce around the United States every 13 weeks.

I believe that life is too short to take it seriously all the time, so I try to inject humor often. A little laughter goes a long way.

Why did I become a financial planner?

I got my first job at the age of 17 while my peers focused on school. I grew up in a lower middle-class family until my father was disabled in his early 30’s which seemed to bring harder times. My parents did the best to provide for our family and I’m forever grateful for all they have done for me. I never went without the necessities. Rent was paid, lights were on, and food was always on the table.

After college, life gave me a crash course on personal financial planning. I didn’t know what the stock market was until I was 22 years old. I had to learn everything they don’t teach you in school. That led me down a path of taking control of my own financial life, and I fell in love with it, so I decided to go back to school to learn how to help others take control of their financial lives too!

Why did I start my own firm?

“Millennials want to be seen and heard by the financial planning profession.”

As a sophomore in college, I received a phone call that my mother had been diagnosed with Stage 4 lung cancer. She passed away 6 months after her diagnosis (on the day before her health insurance lapsed!!) at the young age of 40. I had to grow up a lot quicker than many of my peers, and I decided early on that I was going to be very intentional with how I built my life.

Like many of you, I have always had the entrepreneurial itch. My first entrepreneurial endeavor was the classic lemonade stand story. I grew up in a neighborhood with an outdoor basketball court, and during the summer they had men’s league games. I saw an opportunity and convinced my mom to let me set up a Gatorade stand next to the courts and started selling.

I knew from day 1 of pursuing the journey of becoming a financial planner that I wanted to create my own business that was different from any other financial planning firm you’ve seen.

Let’s shake up the traditional model of the financial industry together.

Professional..

Certified Financial Planner™ Professional

Master of Science in Personal Financial Planning, Kansas State University

I decided to pursue my interest in personal finance a few years after receiving a Bachelors of Science in Sports Management from the State University of New York at Cortland. I was living in Manhattan, Kansas (the Little Apple) at the time and I decided to enroll in the Personal Financial Planning program at Kansas State University.

In 2016, I completed the education requirement of the CFP® certification and entered the profession at a small fee-only firm on Cape Cod, MA. During that time, I became a CFP® Professional after fulfilling all of the necessary requirements. In December 2019, I graduated from K-State with a Master of Science in Personal Financial Planning (MSPFP).

At some point, I will probably add more designations and add to the alphabet soup after my name.

Music in this episode is provided by bensound.

Zechariah's Bio:

Professional Zechariah 👨‍💼
In his role, Zechariah loves the challenge of communicating complex financial information and the joy of building long-term relationships with clients. He begins each of his partnerships with a series of conversations to discover and prioritize his client’s goals and interests. Zechariah is dedicated to his clients and works hard to provide high-quality service to ensure they remain on track to reach their financial goals.

During his schooling, Zechariah discovered his passion for empowering others to achieve financial freedom through tailored education and mentoring. He completed his financial planning degree at Liberty University and has worked at several premium boutique wealth management firms.

One common theme that he noticed during his time working at those firms was the immense challenge that finding excellent, personalized financial help is for young people. He founded Ascent with the objective of providing this group of people with the quality financial help they need.

Weekend Zechariah 😊

I’m all about living life as the adventure that it is! My passions are getting to know people deeply through genuine conversations, discovering unique coffee shops, & exploring the Blue Ridge Mountains, where I live. If I’m not outdoors, then I’m in a coffee shop helping someone reach their financial goals.

I'm a technologist, advocate for accessible financial advice, & excited to be a part of the movement revolutionizing financial planning.

Music in the episode is provided by Bensound.

Angels Bio:

Angel has worked in the financial services industry since January 2018 after attaining a Bachelor of Science Degree in Personal Financial Planning from Texas Tech University. Texas Tech University is often regarded as the top university for financial planning and has produced more industry leaders than any other.

Angels’ primary goal as a financial planner is helping his clients light a financial path to dignity, awareness, hope and a worry-free life. Angels experience working with both the large broker-dealers and small family offices has allowed him to create a financial planning experience that is both personal and actionable allowing the client to achieve financial peace of mind faster.

Angel is an active volunteer in VITA, which is a nonprofit program that assists low-income individuals in getting their taxes done free-of-charge. Being involved in this program to help give back to the community is something Angel takes pride in.

In his free time, Angel enjoys being active, trying out new locally-owned restaurants, breweries, theaters, and other local businesses.

Music in this episode is from Bensound.

Tim Woodward Bio:

I am a number-cruncher to the core. I strongly believe that a data driven approach to wealth building is the key to helping people understand how even small decisions can significantly impact financial goals.

I help simplify financial decision-making by letting the data do the talking and by applying my engineering brain to interpret numbers and translate what they’re saying into plain, simple, English.

I am a CERTIFIED FINANCIAL PLANNER™ professional and joined the industry following a successful “first” career in engineering. I believe in the value of wealth building for all families and the positive impact that good stewardship has on yourself, your marriage, your family and your community.

I have always had a passion for helping others, and now I'm fortunate to help blended families navigate these same complexities that we have experienced on our blended family journey.

I have a heart for marriage, for families and blended families who desire great relationships combined with financial freedom. I love to spend time with my wife Alexis and our boys Conner & Christian. You will often find us outdoors exploring new parks, hiking, biking, camping or hanging out by the pool.

Alexis Woodward Bio:

As a kid, I loved the idea of saving towards a goal. Before I was old enough to have a job, I was running around my neighborhood trying to see how many lawns I could mow, which was pretty unusual for a girl in middle school.

I have always had a passion for Finance and Entrepreneurship, from mowing lawns to later begging my grandma to let me attend her financial planning meetings with her advisor. So if someone would have told the younger version of me that I would eventually be a financial planner, I wouldn't have been surprised. Now if someone had said that I was going to marry a man with 2 kids, I would have definitely looked at them like they were crazy!

Fast forward to today, I am a CERTIFIED FINANCIAL PLANNER™, wife to my very best friend, stepmom, Believer and Co-Founder of Blend Wealth. I have a strong passion for marriage and a heart for blended families. I love being a family that serves families. We make a great team as Tim loves to crunch the numbers and I love to dig deep into the relational and emotional side of money.

Tim and I are fortunate enough to understand the benefits of having our financial life in order, and we want to help others do the same! Diving deep into our financial situation has brought more organization in our lives, stability in our marriage and more freedom in all areas of our life.

Music in Episode by Bensound.

Cody's Bio:

I am Cody Garrett, an advice-only financial planner passionate about helping families refine their path to financial independence (FI) as DIY investors. As a CERTIFIED FINANCIAL PLANNER™ professional, I specialize in comprehensive financial plan development, topic research, and personalized financial education. I believe that truly comprehensive financial advice can provide the clarity and confidence necessary for families to implement their own well-informed decisions.

As a registered investment adviser, I am held to the fiduciary standard of care, legally and ethically required to act in your best interest when providing personalized financial advice. To provide transparency and avoid conflicts of interest, I do not receive any compensation from the sale of investment or insurance products and do not manage client investments. With advice-only financial planning, all recommendations are tailored to fit your personal objectives and values.

As a trusted source, my financial education insights have been featured in articles by Forbes, Barron’s, Yahoo Finance, FOX Business, MarketWatch, Morningstar, Business Insider, Morning Brew, and CNBC.

Music in this episode is from Bensound.

Thomas is a financial planner, the co-founder of AllStreet Wealth, as well as a:

• Blogger
• Podcaster
• Content creator

• Top 23 Millennial Financial Advisor by Business Insider
‍

After graduating from Butler University, Thomas has spent his entire career in the financial services industry as a financial planner. Thomas is passionate about helping millennials cut through the noise and figure out how to use their resources to accomplish what they truly want in life.
‍
Outside of helping clients with their financial plan, Thomas enjoys working out, playing basketball, spending time at the lake with his family, and hanging with his friends and girlfriend.

The music in this episode was obtained from BenSound.

Silvia is the Founder and Managing Partner of Manent Capital, a Boston-based wealth management firm that manages over $70 million and focuses on helping professionals understand their personal and business finances so that they can feel accomplished, confident and excited about investing in their future dream goals. She has over 10 years of investment and wealth management experience, including individual investment management, comprehensive financial planning and high net worth advisory.

Prior to founding Manent Capital, Silvia worked as a financial advisor at Morgan Stanley where she was responsible for providing clients with personalized plans to help them better manage their investments, cash flow and achieve their financial goals. Prior to this, Silvia worked with international ultra-high net worth clients at Credit Suisse in Zürich, Switzerland as well as J.P. Morgan in Boston, MA. Silvia began her career in Palo Alto, CA at Cepheid, a leader in molecular diagnostics and Instrumentation Laboratory (IL), a leader in critical care, hemostasis and point-of-care diagnostics.

Silvia received her undergraduate and master’s degree in Finance and International Management from ESADE, a Top-Ranked European Business School. Silvia is a Chartered Financial Analyst (CFA®), the highest distinction in the investment management profession as well as a Certified Financial Planner (CFP®), the standard of excellence in financial planning. In addition to understanding the complexities of the changing financial climate, Silvia is held to the most rigorous ethical standards by both designations.

Silvia speaks English, Spanish, French and Catalan.

Justin's Bio:

I am a CERTIFIED FINANCIAL PLANNER™ practitioner, the founder and leader of RLS Wealth, co-founder of The AGC™, and a member of the XY Planning Network. Having spent my entire career in the financial services industry, I started RLS Wealth in 2015 to bring my passions to my work and help dreamers align their passions with their finances. Since launching RLS Wealth, I’ve been included in Financial Advisor Magazine’s Advisors To Watch 2019, Investopedia’s Top 100 Advisor (2019 and 2020), and Investment News 40 under 40 2020 Class.

Purpose

My purpose is to live a fulfilled life and make a lasting impact on others as their guide on their journey toward fulfillment by supporting them and encouraging them to step out of their comfort zone to achieve their goals.

The music in this episode was obtained from BenSound.

In this episode, Broc and Peter talk about the format, structure, and frequency of the podcast. They also touch on what they are going to be talking to planners about.