Wicked Pissah Podcast: Recent Episodes

FPA NE

The Wicked Pissah Podcast, brought to you by the Financial Planning Association of New England (FPA of New England), features discussions for financial professionals including topics of financial planning, recent or future events in the financial services industry, and interactions with influential speakers from across the industry. Additionally, the educational program will review the latest updates and announcements surrounding the New England chapter of FPA. Join us and listen in for engaging discussions and insightful content!

Paul Gaudio Host Michael Connaughton is joined by Paul Gaudio.

Paul is a CFP® and Client Advisor at Crestwood Advisors with 8 years of experience helping individuals and families make smart choices with their money. Paul is passionate about guiding clients through life & financial complexities with clarity and care. He also serves as the President of NexGen for FPA New England, where he supports the growth and development of emerging professionals in the financial planning community, and works to expand the efforts of the Financial Planning Association through networking events and webinars. They discuss:  Paul’s background and career journey.  His experience as President of NexGen for FPA New England.  Partnerships he’s formed and upcoming events.

And much more.

Contact Paul: Linkedin: https://www.linkedin.com/in/paul-gaudio-cfp%C2%AE-a5787aa6/

Catching up with FPA Leadership - with Dan Galli & Dennis Moore

On this episode Kathleen and Kevin are joined by FPA national president-elect Dan Galli as well as long-time member, supporter and now acting CEO of FPA National, Dennis Moore.

We chat about what brought Dan and Dennis to the FPA, why they both remain committed to the organization, what initiatives they are prioritizing at the national level over the next few years, and their ideas for improving communication between national and the chapters.

We also discuss some of the lesser-known benefits available to FPA members, how to go about transitioning from local board participation to national engagement, and of course, the upcoming annual conference in Las Vegas.

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

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

https://ac.financialplanningassociation.org/

On this episode of the Wicked Pissah Podcast, we are joined by Stephen Pepe of Longbridge Financial, LLC, where he is a top producing Loan Officer, Reverse Mortgage Consultant and industry expert in reverse mortgages.

Steve shares with us his expertise in the different ways that reverse mortgages can be used for both current and long-term financial planning purposes, regardless of your income and net worth, sheds some of the myths regarding reverse mortgages, and outlines both the process for opening a reverse mortgage and the regulations in place to keep the consumer safe. Steve even touches on his musical talents outside of the reverse mortgage world.

Get ready to learn and enjoy this episode of the Wicked Pissah Podcast.

Reassuring Clients About Social Security – with Marcia Mantell

On this episode, Kathleen and Kevin speak with Social Security and retirement planning expert Marcia Mantell to talk about how clients’ anxiety about Social Security has changed over the last few months. Marcia reassures us that she is not worried about retirees not getting their checks but also explains why she’s keeping an eye on her father-in-law’s account to make sure he continues to receive his retirement benefit.

We discuss how the process of applying for benefits is changing, why it’s so important to get your online Social Security account setup, when Marcia thinks Congress will finally take action to fix the program, and her suggestions and tips for keeping your sensitive financial information safe.

https://mantellretirementconsulting.com/

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

If you’ve seen the news this year, you know why we wanted to talk about this topic. Whether DOGE layoffs or early retirements or concerns about future job security, Federal employees may be looking to financial advisors for counsel. To help you be better prepared we wanted to talk with a specialist. In this episode, hosts Chris Boyd & Brad Wright are joined by Micah Shilanski, CFP® to talk about Federal Employee Retirement benefits.

You might know Micah from co-hosting The Perfect RIA podcast, but today he shares a bit about his practice, his passion of time management, and then we learn about the Federal retirement benefits. Whether to learn about the Thrift Savings Plan, some special early Social Security benefits, or Pension and Health Benefits under FERS, you’ll no doubt learn some helpful tips for working with clients who are Federal Employees.

Micah’s Podcasts:

https://planyourfederalretirement.libsyn.com/website

https://theperfectria.com/podcasts/

LinkedIn Address: https://www.linkedin.com/in/micahshilanski/

Website: https://plan-your-federal-retirement.com/

Jordan Jackson, J.P. Morgan Global Market Strategist: Tariffs, Trade and Taxes… Oh My!

Hosts Kathleen Kenealy and Kevin Williams are joined by JP Morgan Global Market Strategist, Jordan Jackson.

Jordan is an Executive Director and a Global Market Strategist on the J.P. Morgan Asset Management Global Market Insights Strategy Team where he is responsible for delivering timely market and economic commentary to clients across the country.

We talk about all the things that are top of mind for you and your clients right now: tariffs and trade; domestic versus international equities; the strength of the US dollar; interest rates; consumer confidence levels; the dreaded “R” word, and more!

https://am.jpmorgan.com/us/en/asset-management/adv/bios/jordan-jackson/

https://am.jpmorgan.com/us/en/asset-management/adv/insights/market-insights/guide-to-the-markets/

On this episode, we speak with Executive Director and Global Market Strategist Jordan Jackson.

As part of the J.P. Morgan Asset Management Global Market Insights Strategy Team, Jordan is responsible for delivering timely market and economic commentary to clients across the country.

We talk about all the things that are top of mind for you and your clients right now: tariffs and trade; domestic versus international equities; the strength of the US dollar; interest rates; consumer confidence levels; the dreaded “R” word, and more!

What’s it time for?

Jeff Johnson

Hosts Michael Connaughton and Brad Wright are joined by Jeff Johnson, Senior Vice President of Appleton Partners.

Jeff is a member of Appleton’s Fixed Income Investment Committee and is responsible for business development and managing strategic institutional client relationships across multiple intermediary and wealth management channels. Prior to joining Appleton in 2009, Jeff was a Senior Vice President of Fidelity Investments where he headed up Relationship Management for the Institutional Wealth Services (IWS) division. Prior to joining IWS, he was National Sales Manager for Fidelity Capital Markets Institutional Fixed Income Group. Jeff has served on the Regional Advisory Committee for the Security Industry and Financial Markets Association, and has been actively involved in the municipal securities business in both capital markets and asset management capacities.

They discuss:

· Jeff and Appleton’s views on the state of the fixed income markets.

· Macroeconomic factors.

· Strategic opportunities across fixed income.

And much more.

Contact Jeff:

Emai: jjohnson@appletonpartners.com

Website: https://www.appletonpartners.com/

John Finney Host Michael Connaughton is joined by John Finney Co-Founder Overvue. John Finney is the co-founder of Overvue, a software company that helps financial advisors streamline their client onboarding. Before starting Overvue, John spent over five years in wealth management at two national RIAs. During that time, he played a key role in the overhaul and sale of an advisory team managing $750 million in assets. As a CERTIFIED FINANCIAL PLANNER™, John’s worked in both client-facing advisory roles and behind-the-scenes focused on improving operations. Now, he brings that experience to Overvue, building solutions from the other side of the table. They discuss: -John’s background in wealth management and how it shaped his business. -Overvue’s mission to create a better client onboarding experience. -The functionality of Overvue and how it creates client and advisor efficiency.

And much more.

More on Overvue Website: ihttps://www.overvueproposals.com/ LinkedIn: https://www.linkedin.com/company/overvueproposals/ Contact John: Emai: jfinney@overvueproposals.com Linkedin: https://www.linkedin.com/in/john-finney-cfp-21435914a/

Andy Ives, CFP®, AIF® – Navigating Net Unrealized Appreciation (NUA) Strategies

Host Chris Boyd is joined by Andy Ives, CFP®, AIF®, an IRA Analyst at Ed Slott and Company, LLC, to delve into the intricacies of Net Unrealized Appreciation (NUA) and its potential benefits for individuals with employer stock in their retirement plans.

With over 25 years in the financial services industry, Andy brings a wealth of knowledge on IRA distribution planning and advanced retirement strategies.

They discuss:

The fundamentals of NUA and how it can lead to tax savings
Key "triggering events" that activate NUA rulesEd Slott and Company, LLC+1Ed Slott and Company, LLC+1
Common pitfalls to avoid when handling employer stock
Strategies to optimize long-term capital gains treatment

For more insights from Andy and his team, visit Ed Slott and Company.

Hosts Michael Connaughton and Kathleen Keneally are joined by Joy Slabaugh founder of The Financial Conflict Resolution Institute. Joy is a CFP® professional with 20 years financial of planning experience that includes providing advice to multi-billion dollar clients. She is also a licensed therapist trained in Internal Family Systems with experience working with individuals and couples. Her unique combination of experience positions her to help advisors easily transform their client's wealth mindsets and resolve marital financial conflicts so they can make more money, be more efficient, and deliver life-changing client value.

They discuss: -Joy’s background as an advisor and a licensed therapist and how it shaped her business. - Joy’s engagement process with both advisors and advisor’s clients. -Behavioral finance ad client approach

And much more.

More on Joy and The Financial Conflict Resolution Institute. https://www.financialconflictresolutioninstitute.com/ Contact Joy Email: slabaugh.joy@gmail.com Linkedin: https://www.linkedin.com/in/joyslabaugh/

Keith Garte Hosts Michael Connaughton and Kathleen Keneally are joined by Keith Garte, Personal Risk Management Advisor with Assured Partners.

Keith Garte is a Personal Risk Management Advisor with Assured Partners working out of their Natick office. Keith helps successful individuals and families by protecting them from unforeseen events that will have a negative impact on their finances. Keith has over 25 years of advisory experience in both insurance and financial services. They discuss: -Keith’s process, how he collaborates with financial advisors, and questions for advisors to ask. -Risk mitigation strategies, carrier selection and much more.

Contact Keith Email: keith.garte@assuredpartners.com Phone: 781 641 7222

Advisor Tech with Jump Advisor AI CEO Parker Ence Hosts Brad Wright and Kevin Williams are joined by Parker Ence, CEO and cofounder of Jump Advisor AI. Parker is an entrepreneur and operator with 12 years CEO/cofounder experience across advisor tech, data, AI, and SaaS. As CEO, he’s operated companies in spinoff, turnaround/distressed, and startup scenarios. Parker also has experience in PE/VC, consulting, and economic development. He has his MBA from Stanford. They discuss: - How Jump AI turns conversations into tasks, notes, and compliance records with secure AI -Ways it can help with meeting prep -The amount of time it can save advisors and what advisors are doing with that extra time

For more on Jump Advisor AI: https://jumpapp.com/

Have you thought about making your business fully remote? Or perhaps it is and you’ve wanted to relocate? That’s the story of today’s guest, Erica Feldblum, and LPL advisor, on this week’s episode of the WPP. Listen in has Erica shares her story. Over 30 years she has developed specific niches working with women, retirement plans, and those passionate about ESG. She sounds more passionate than ever, as she shares her story of moving from an in-person practice to fully remote which afforded her the opportunity to relocate to Nashville, TN. Hear practical tips and valuable lessons from her experiences. Perhaps you, too, will bring increased freedom and enthusiasm to your delivery of financial planning and financial services!

Join co-hosts Chris Boyd (https://www.linkedin.com/in/j-christopher-boyd-b932169/) and Brad Wright (https://www.linkedin.com/in/bradleyonair/), both past presidents of the chapter.

Erica Feldblum can be found at: email: Erica.Feldblum@LPL.com

Web: https://www.ef-financial.com/team/erica-feldblum

LinkedIn: https://www.linkedin.com/in/erica-feldblum-06b444/

Hosts Brad Wright and Chris Boyd are joined by Michael Bell, CEO of Meketa Capital Michael has more than 25 years of experience in the investment management and wealth management industries. He is the Chief Executive Officer of Meketa Capital as well as the Founder and Chief Executive Officer of Primark Capital. Prior to Primark, Michael built and was the CEO for a $12 billion RIA, managing more than 30 investment strategies and a $10 billion liquid alternative mutual fund complex that launched more than 50 alternative funds. Most recently, he purchased, grew, and sold a family office-backed $6 billion RIA. Also, he specialized as a corporate finance attorney for Latham & Watkins and was a CPA for KPMG. Michael holds a Bachelor of Science in Commerce from the University of Virginia and a Juris Doctorate from West Virginia University.

They discuss: - Investing in private equities and credit

-Historic hurdles and challenges with accessing these investments and how that’s changing - What a co-investment is and how it can affect fees

For more on Meketa Capital: www.meketacapital.com

Hosts Brad Wright and Kevin Williams are joined by Scott Gottlieb of U.S. Compliance Consultants.

Scott is President of U.S. Compliance Consultants, a full-service compliance consulting company that focuses exclusively on state and SEC-registered investment advisers. Scott founded U.S. Compliance Consultants in 2004. U.S. Compliance Consultants has been a preferred service provider for both Schwab and Raymond James almost since its founding and Scott has conducted multiple compliance seminars on a variety of topics for both firms.

Prior to founding US Compliance Consultants, Scott was a corporate and securities attorney at Kelly, Drye and Warren, an international law firm based in New York City.

He started out as a corporate attorney for Robinson & Cole, a regional law firm with offices in Boston, Hartford and Stamford, CT.

They discuss: - The job of an outside compliance consultant -State versus SEC compliance -Launching a new firm -What regulators are focusing on in 2025, including artificial intelligence

For more on U.S. Compliance Consultants: https://uscomplianceconsultants.com/

To contact Scott: seg@uscomplianceconsultants.com

Direct Indexing Strategies with Greg Kanarian, JD, CFA

Hosts Kathleen Kenealy and Chris Boyd speak with Greg Kanarian, an Investment Strategist at Natixis Investment Managers representing the firm’s Direct Indexing strategies.

Greg joins the show to talk all things direct indexing - what it is, common benefits and tax advantages, which clients it may or may not be appropriate for, what personalization and customization options are available, and more. If you’ve been curious about direct indexing but haven’t taken time to learn much about it, this episode is for you!

To learn more:

https://www.linkedin.com/in/greg-kanarian/

https://www.im.natixis.com/en-us/about/biographies/gregory-v-kanarian

Nick Gudz Hosts Michael Connaughton and Brad Wright are joined by Nick Gudz, Co- Founder of Fin.Link. Nick has been in the industry for 20 plus years holding multiple positions. He co-founded Succession Link in 2012, a platform he developed connecting buyers and sellers of wealth management practices. He sold Succession Link in 2018 and reacquired the business in 2022 and has since revamped the platform and rebranded to Fin.Link. They discuss: -Nick’s career path leading to the founding of Succession Link and now Fin.Link. -The evolution from M&A at Succession Link to Fin.Link’s focus around all aspects of wealth management. - Fin.Link’s resources, tools, and social networking capabilities.

More on Nick and Fin.Link: https://fin.link/ Linkedin: https://www.linkedin.com/in/nickgudz/

Milemarker’s Jud Mackrill

Host Brad Wright is joined by Jud Mackrill, CMO and co-founder of Milemarker, a data aggregation firm.

As co-founder of Milemarker, Jud is driving change in financial advice and alternative investments. By blending thoughtful design with seamless software, Jud helps companies unlock their full potential. Jud’s career is built on results. He’s shaped the marketing strategy for industry leaders like Orion and Carson, and co-founded Mineral, which he successfully sold to Carson in 2018. At home in Charleston with his wife Kim and their four kids, Jud enjoys spending time with his family, indulging in spicy food, and keeping up with Nebraska Football.

They discuss:

-Syncing your data from multiple sources to one platform and automating reports -Typical insights that are revealed (hint – you may be paying too much to vendors) - Centralized trading and reporting

For more on Milemarker: https://milemarker.co/

Join special guest Kurt Czarnowski (Czarnowski Consulting) for a deep dive on the impact of the Social Security Fairness Act. Some 2,000,000 current Social Security recipients are impacted by this legislation, not to mention those who previously thought they were ineligible under Government Pension Offset (GPO). This legislation does away with GPO and Windfall Elimination Provision (WEP). Advisors will want to learn more about these changes and which of their clients may be impacted. Always entertaining and a wealth of information, join Kurt and host Chris Boyd for timely episode of the Wicked Pissah Podcast.

Kurt.Czarnowski@gmail.com

www.czarnowskiconsulting.com

Cell: 774-571-3256

LinkedIn:

https://www.linkedin.com/in/kurt-czarnowski-20598729/

https://www.linkedin.com/in/j-christopher-boyd-b932169/

https://www.fpanewengland.org/

https://www.linkedin.com/company/financial-planning-association-of-massachusetts/posts/?feedView=all

https://www.financialplanningassociation.org/

Hosts Brad Wright and Mike Connaughton are joined by James Costabile and Ryan Van Geons of iCapital. James Costabile is Managing Director and Head of US Alternative Investment Distribution and Ryan Van Geons is a Senior Vice President, who covers our New England area for iCapital. Their team delivers alternative investment education, research viewpoints, and investment capabilities across hedge funds, private equity, private credit, and real estate strategies. iCapital is an Alternatives platform for financial advisors. iCapital was founded in 2013 with the goal of making high-quality alternative investments accessible to wealth advisors and their high- net-worth investors and enabling fund managers to reach new sources of capital. They discuss:

How advisors can access the iCapital platform and gain access to over 200 private equity and private credit opportunities -Advisor education in the alternative space -How the platform and alternatives, in general, fit into the investment ecosystem

For more on iCapital: https://icapital.com/

Hosts Michael Connaughton and Chris Boyd are joined by Steve Tenney, Founder of Grandview and Company. Steve Tenney is the Founder of Grandview & Company. After 26 years as a Senior Portfolio Manager and Senior Vice President at UBS, Steve and his team launched Great Diamond Partners, a $700M independent wealth management firm in Portland, Maine. As CEO and Founding Partner, Steve strategically led the firm, focused on business development activities and directed the investment strategy. Always curious, Steve engages with other industries and companies, in addition to wealth management firms, learning from their experiences. This curiosity and an abundance mindset fuels his entrepreneurial spirit, always thinking about how he can help others reach their self-described definition of success, pushing limits and creating original solutions. In June 2024, after considerable reflection, Steve decided he could have a greater impact on the industry, including all of the clients it serves, and also gain greater personal satisfaction as a coach. Like the rest of his career, he views Grandview & Co. as a journey, one that will continually evolve. They discuss:  Steve’s journey from advisor at a wirehouse, to founding a RIA to now coach and consultant  Grandview’s engagement process and client profile  Grandview’s RIA asssement and much more.

More on Steve and Grandview: https://www.grandviewandco.com/ Contact Steve Phone: 207 329 1806 Email: Steve@GrandviewandCo.com Linkedin: https://www.linkedin.com/in/steventenney/

FPA-NE 2025 Chapter Leaders: Sam Gough & Abe Ringer Hosts Brad Wright and Kathleen Kenealy are joined by Sam Gough and Abe Ringer. Sam is the 2025 incoming FPA-NE Chapter President and Abe will be President-Elect (2026 President). When not volunteering to run our chapter, Sam is a Senior Client Advisor with Ballentine Partners, where he focuses on Estate Planning and Investment Strategies. Prior to his 20-year tenure at Ballentine, he worked as an analyst at Goldman Sachs. Sam graduated from Tufts University and is a school board member in Plymouth, NH. Abe is principal and founder of Breakwater Financial, where he partners with his clients on every aspect of their financial life. Abe also had a previous career at Goldman Sachs as well as at Smith Barney. Abe graduated from Siena College and up until our recent chapter election was Director of Partnerships for the FPA-NE.

They discuss:  Successes of 2024  Agenda for 2025 and beyond  Pro-Bono and Financial Literacy  How you can get involved with our chapter, on the committee level

More on Sam, Abe, and FPA-NE https://www.fpanewengland.org/

Reflecting on Money and Meaning – with Dr. Daniel Crosby

On this episode we speak with psychologist, behavioral finance expert and New York Times best-selling author, Dr. Daniel Crosby. Dr. Crosby is the Chief Behavioral Officer at Orion Advisor Solutions, host of the Standard Deviations podcast, and author of numerous books on the psychology of money, investing and wealth including The Behavioral Investor and The Soul of Wealth: 50 Reflections on Money and Meaning. We talk about what prompted Dr. Crosby to pivot from clinical psychology to behavioral finance, how ChatGPT helped him write The Soul of Wealth, which chapters in the book are most meaningful to him, and what his two life goals are.

For more information:

Find Dr. Daniel Crosby on LinkedIn

The Soul of Wealth

Helping Financial Advisors Save on Taxes – with Catherine Tindall, CFA

More and more I keep hearing from other financial planners that they are struggling to find good CPAs that they can send their clients to for tax preparation. Too many CPAs are either retiring or not taking on new business and too few are entering the profession. Finding a CPA for your clients is one thing; but what if you are an advisor looking to outsource your own tax preparation?

On this episode we speak with Catherine Tindall, founder of Dominion Enterprise Services. Catherine is a CPA that focuses her practice on working with financial advisors to help them optimize their income taxes through proactive planning. We talk about what it’s like to work with financial planners as clients, why she focuses heavily on tax planning as opposed to tax preparation, the questions she discusses with new clients, and a few of the tax planning opportunities you might want to consider before the end of the year.

For more Information:

https://www.dominiones.com/

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

Join us as we speak with FPA chapter past president, John McAvoy! John shares insights about working in the Retirement Plan space both with employers and participants. Thinking of doing more with 401Ks or IRAs, then you’ll want to listen this episode. We start off the show learning about John’s sustained commitment to the financial planning profession and giving back to our community.

John F. McAvoy, CFP®, AIF® http://linkedin.com/in/johnfmcavoy

J. Christopher Boyd, CFP®, CASL® http://linkedin.com/in/j-christopher-boyd-b932169

Kathleen Kenealy, CFP®, CPWA® http://linkedin.com/in/kathleenkenealy

Jenn Mayo: Direct of Gift Planning and Advisor Relations, Essex County Community Foundation Hosts Michael Connaughton and Brad Wright are joined by Jenn Mayo of the Essex County Community Foundation Essex County Community Foundation inspires philanthropy that strengthens the communities of Essex County. ECCF helps donors of all sizes elevate their giving by managing charitable assets, sharing their local expertise and providing philanthropic guidance and education. Additionally, ECCF strengthens and supports Essex County’s 4000+ nonprofit organizations with education, resources and funding and engages in systems based community leadership work to solve the region’s most complex social issues. As ECCF’s Director of Gift Planning and Advisor Relations, Jenn focuses on building strong relationships with area professional advisors, who play a key role in expanding support for the region’s nonprofit organizations and collaborative efforts to tackle systemic social challenges. She also provides charitable gift planning and support to Essex County donors as they make decisions about their philanthropic giving and consider a donor advised fund with ECCF. Jenn joined ECCF in 2021 after a long career in finance at Goldman Sachs in New York and London. They discuss: -Jenn’s personal experience with philanthropy through her family’s efforts launching the Ice Bucket Challenge and the Pete Frates Foundation and how it led her to ECCF. -ECCF’s mission and how they collaborate with professional advisors, non-profits and charitable organizations

-Giving strategies and more.

More on Jenn Mayo and ECCF https://www.eccf.org/ Contact Jenn Phone: (978) 777-8876 Email: j.mayo@eccf.org

Families with children may have more financial challenges in the accummulation phase, but couples without kids have different challenges more often later in life. After each other, who is to become a healthcare proxy, or trustee? In this conversation our panelists include Bill & Paula Harris and co-host, Kathleen Kenealy. We discuss a variety of the challenges and possible solutions.

Bill Harris, CFP®, RMA® http://linkedin.com/in/billmharris

Paula Harris http://linkedin.com/in/paulaharris

Kathleen Kenealy http://linkedin.com/in/kathleenkenealy

Chris Boyd, CFP®, CASL® http://linkedin.com/in/j-christopher-boyd-b932169

The Case for International Investing with Nick Paul, MFS – Nicholas J. Paul, CFA who serves as the Equity Portfolio Manager for MFS joins Chris Boyd and Jeff Perry for an in-depth discussion about using mutual funds for international investing. Related topics covered include the potential impacts from the recent election, the growing national debt, tariffs, deglobalization, emerging markets, and currency risk. During the episode Chris and Nick also discuss the benefits of active management for international investing.

Nicholas A. Papakyrikos, CPA, P.C Host Michael Connaughton is joined by Nick Papakyrikos, CPA, P.C. Nick is the founder of Nicholas Papakyrikos CPA. He began his professional career with the international accounting and consulting firm currently known as PriceWaterhouseCoopers, where his clients included financial services, manufacturers and communication companies. He has been in private practice continuously since 1987, working with small businesses owners and high net worth individuals. For more than 36 years he has proactively worked with small business owners to help them identify, clarify and strategize to reach their financial goals. Nick develops and sustains long lasting relationships with clients because they know he truly cares about them. Nick has been invited to speak to various personal and professional organizations, and to instruct other tax, legal and financial professionals. He is a past president and current director of the Brighton Board of Trade, and was inducted into its Hall of Fame. His past associations have included the Kiwanis Club, whose purpose is to improve the lives of children. He is also a member of the American Institute of Certified Public Accountants and the Massachusetts Society of Certified Public Accountants. They discuss: -Tax Policy Impacts and the Upcoming Election -Tax Strategies -Secure Act 2.0

More on Nick Papakyrikos, CPA, P.C. https://www.papakyrikoscpa.com/

Contact Nick Phone: 617 415 5016 Email: nick@papakyrikoscpa.com

Nick’s podcast: GPS to your Business Success https://gps-to-your-business.captivate.fm

Spotify (audio only) https://open.spotify.com/episode/6r4qigujMcx0dQiBMXcWQb?si=6be471e0f48e4772

Apple (audio only)

GPS to your Business Success Podcast Series - Apple Podcasts

You Tube (video) GPS to your Business Success Podcast - YouTube

Nicole Wallace and Christopher Jensen – Franklin Templeton Investments Host Michael Connaughton is joined by Nicole Wallace and Christopher Jensen of Franklin Templeton Investments. Nicole is Vice President and Private Wealth Director covering the New England States for Franklin Templeton Investments. Christopher Jensen is the Director of Digital Asset Research for Franklin Templeton. With over 15 years of technology investing experience spanning venture capital, private equity, and private credit, Christopher’s focus is on developing and leading the fundamental research efforts for Franklin’s Listed Token strategies. Prior to joining Franklin Templeton in 2015, Christopher was a principal with SLR Capital Partners, an alternative asset manager in NYC focused on cash flow and asset-based lending as well as specialty finance. He holds a Bachelor of Arts in philosophy from Princeton University, an MBA from the Yale School of Management, and a Certificate in Data Science from Stanford University. They discuss: -Franklin Templeton’s resources -The Cryptocurrency landscape -Digital asset product offerings -How advisors can incorporate Alternatives into their strategy

More on Franklin Templeton https://www.franklintempleton.com/

Contact Nicole: https://www.linkedin.com/in/nicole-wallace-mba-80147aab/Nicole.Wallace@franklintempleton.com

Jack Heintzelman – FPA National Board of Directors Hosts Brad Wright and Kathleen Kenealy are joined by Jack Heintzelman. Jack is a financial planner with Boston Wealth Strategies, where he has been since 2018. Jack has been serving on the FPA NexGen National Leadership Committee, for the past two years, and has just been elected to the FPA National Board of Directors for a three-year term, beginning in 2025. Jack has his B.A. in Finance from Saint Anselm College, where he was also captain of the varsity soccer team. They discuss: - Things a NexGen advisor should value when looking to join a firm -What the FPA NexGen National Leadership Committee is, and what they do -The agenda for the FPA National Board of Directors

More on Jack: https://www.linkedin.com/in/jackheintzelman/

Crystal Lee Butler- Crystal Marketing Solutions. Host Michael Connaughton is joined by Crystal Lee Butler of Crystal Marketing Solutions. Crystal is founder of Crystal Marketing Solutions, LLC also known as CMS. CMS specializes in offering comprehensive marketing strategy and services for independent financial advisors. Crystal and CMS have been featured in Kitces.com, Investor’s Business Daily, and The Financial Planning Association to name a few for their work and thought leadership on advisor marketing. Crystal has over two decades of entrepreneurial and marketing experience. She founded CMS in 2011 and ever since has been seamlessly integrating digital and traditional marketing methods, empowering advisors to strengthen client and referral relationships while feeing up valuable time for strategic growth initiatives. They discuss: -Traditional and Digital Marketing Strategies -SEO -Client Events -Social Media and Branding Ideas

More on CMS: https://crystalmarketingsolutions.com/ Contact Crystal: https://www.linkedin.com/in/crystallbutler/ crystal@crystalmarketingsolutions.com

Julie Casey - Definiti Hosts Brad Wright and Mike Connaughton are joined by Julie Casey of Definiti. Julie is Regional Sales Director - New England Territory, for Definiti, which is a national retirement services firm that helps workplace organizations with retirement plan expertise, actuarial consulting, pension outsourcing and recordkeeping. Definiti partners with financial advisors to provide third-party administration services on clients retirement plans. Julie has 25 years of experience helping financial advisors create new retirement plans, win existing retirement plans, and clean up messy situations. They discuss:  What a Third-Party Administrator (TPA) is and when they’re needed  How advisors can begin working with retirement plans  The process for correcting plan errors  SECURE 2.0

More on Definiti: https://definiti.com/

Contact Julie: https://www.linkedin.com/in/julie-casey-mba/

julie.casey@definiti.com

In this episode our guest is Donna McKeown of Movement Mortgage. The discussion starts by considering the recent change in the Fed Funds Rate and what impact it has had on the current interest rate environment. We discuss what moves Mortgage rates. Donna shared the benefit is the Pre-Approval process along with some personal anecdotes. She also shared some best practices for advisors to consider, and how she works with financial planners. Finally, Donna shared some thoughts around things to consider with the new National Association of Realtors compensation changes.

Movement Mortgage

Donna B. McKeown Senior Loan Officer | NMLS 20377 781-775-7172 donna.mckeown@movement.com mortgagesbydonna.com

http://linkedin.com/in/donna-b-mckeown-b0248233

http://linkedin.com/in/michael-p-connaughton-cfp®-clu®-chfc®-5601535

http://linkedin.com/in/j-christopher-boyd-b932169

Chuck Failla: Sovereign Advisor Solutions + goRIA

Hosts Brad Wright and Mike Connaughton are joined by Chuck Failla. Chuck is Founder + CEO of Sovereign Financial Group in Stamford, CT. as well as Director of Sovereign Advisor Solutions. Chuck moved from the independent broker-dealer side of the business to the independent side and has since taken many other advisors with him, causing Investment News to label him Broker-Dealers’ Public Enemy #1! In addition to working with other financial advisors and clients, he's also a regular speaker and commentator on financial topics and has been featured in Forbes, The New York Daily News, Reuters, CBS Market Watch and hosts his own goRIA podcast.

They discuss: How and why advisors choose to go independent Why tucking in under a smaller RIA might be a better fit than joining a large aggregator How to begin the process and how long it takes What makes Chuck Broker-dealers’ Public Enemy #1

Learn more at: https://www.sovereignadvisorsolutions.com/

Reach out to Chuck: https://www.linkedin.com/in/charlesfailla/

goRIA Podcast: https://www.investmentnews.com/goria/podcasts

Investment News Article: https://www.investmentnews.com/goria/practice-management/revealed-broker-dealers-public-enemy-1/256613

Navigating the College Selection Process with Todd Weaver

On this episode of the Wicked Pissah Podcast Kathleen speaks with Todd Weaver, President of Strategies for College, to talk about the work Todd does helping students and their families navigate the important yet often confusing college selection process. Todd describes the process he uses to determine what schools might be the best fit for students, why families should always start with figuring out a budget, as well as the factors schools take into consideration when choosing among their applicants.

https://www.linkedin.com/in/toddcweaver/ www.strategiesforcollege.com

Stephanie Aliaga – J.P. Morgan

Hosts Brad Wright and Kathleen Kenealy are joined by Stephanie Aliaga, Global Market Strategist on the JP Morgan Asset Management Market Insights Team, based out of New York. Stephanie helps formulate and communicate economic views, deliver timely commentary and maintain forecasting models for weekly submissions to Bloomberg and the Wall Street Journal. She’s also responsible for publications such as the Guide to the Markets, On the Minds of Investors blog, and serves on the committee that produces the Long-Term Capital Market Assumptions underpinning J.P. Morgan’s strategic asset allocation process.

They discuss:

The current state of the U.S. economy
Probable outcomes for the 2024 Presidential election and what that means for taxes, immigration, energy and investments
Why investors should be looking at bonds and international equities for diversification purposes
What a new President could do to negatively affect our economy and markets

Learn more at: https://am.jpmorgan.com/us/en/asset-management/adv/

· Market Insights resources from J.P. Morgan:

o Guide to the Markets distribution.

o Election Hub

Contact your J.P. Morgan Institutional Advisor Northeast Coverage Team:
Libby Hamel – Client Advisor elizabeth.a.hamel@jpmorgan.com
Maura Herbertson – Internal Client Advisor maura.herbertson@jpmorgan.com
Matt Mortimer – Regional Client Advisor matthew.e.mortimer@jpmorgan.com

Richard LeFauve – Client Edge Host Brad Wright along with Guest Co-Host Mike Connaughton are joined by performance coach Richard “Rick” LeFauve. Rick founded Client Edge for performance coaching after compiling extensive experience in management, recruiting, training, business development, and coaching at Morgan Stanley and American Express Financial Advisors (Ameriprise). He began his career as a high school teacher and coach. Rick is also a bestselling author and has written five books addressing the roles of financial advisors, accountants and CPA’s, and leaders of financial advisors and their teams. They discuss: - Being “Brilliant with the Basics” - Launching successful client advisory boards - Creating team meetings that are worth attending

More on Rick: Richard LeFauve, CWS®️ Certified Wealth Strategist Coaching and Consulting To Sales and Leadership Professionals M 845-499-1665 rlefauve63@gmail.com clientedgecorp@gmail.com https://www.linkedin.com/in/clientedgecorp

www.amazon.com/author/richardlefauve

This week we’re talking about Difficult Conversations. Whether telling clients they don’t have enough and need to get back to work, talking clients through market down turns, or speaking with clients at times of loss, some conversation are more challenging than others. We discuss challenging financial planning conversations with clients, employees/employers, or other professionals. Perhaps you can relate, or will gain insights from our panel’s experiences. Listen as we compare notes and share insights for how to deal with these Difficult Conversations on this episode of the Wicked Pissah Podcast.

https://www.linkedin.com/in/j-christopher-boyd-b932169/

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

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

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

Vanguard Hosts Brad Wright and Chris Boyd are joined by Ted Dinucci, an investment strategist with Vanguard’s Investment Advisory Research Center, the team tasked with creating thought leadership for their intermediary advisory partners across a range of investment, wealth management, and financial planning topics. They discuss: -Individual bonds vs bond funds - How to utilize each for income during retirement -Which is better during a falling interest rate environment

Learn more at: https://advisors.vanguard.com/advisors-home

Join Vanguard at the following New England locations:

-Vanguard RIA Social: Envio on the Rooftop – Portsmouth, NH: Wed Aug 21 st 4:30pm –7:30pm PLEASE RSVP -Vanguard RIA Social: Granary Tavern – Boston (Financial), MA: Thurs Aug 22 nd 4:30pm-7:30pm PLEASE RSVP -Vanguard RIA Meet & Connect Luncheon – Riverbend (Marriott) Newton, MA: Thurs Aug 22 nd 12pm-2pm PLEASE RSVP - Vanguard Symposium - Marriott Long Wharf – Boston, MA: Thurs, Oct 24 th 9:30am–3pm: RESERVE A SPOT NOW and you’ll receive an email invite. Additional details to follow.

Or at the FPA-NE NexGen event:

FPA NE NexGen Presents Build Your Client Service Team (formally Cross Industry Networking): Lily’s Boston (Financial) Thus, Aug 8 th 5pm – 7pm - one of FPA’s most popular events of the season!

https://lp.constantcontactpages.com/ev/reg/t3jvpz5

[lp.constantcontactpages.com]

Investment Advisory Research Center

OCTOBER 2022 Individual bonds versus bond funds: Our thoughts on the advisory practice and client outcomes

Key takeaways • Forecasting markets accurately is difficult. A much more reliable prediction to make: What questions clients will ask during periods of rising interest rates. Inevitably, rising rates environments prompt a flood of inquiries about whether advisors and their clients are better off purchasing individual bonds or pooled products, such as mutual funds and exchange-traded funds (ETFs). These questions stem directly from the “principal at maturity” myth, which argues that bond funds will sell bonds at a loss when rates rise, while portfolios of individual bonds can be held to maturity and avoid losses. • Ultimately, bond funds operate the same way as portfolios of individual bonds when cash flows are being reinvested. However, the former generally offer greater return opportunities, lower transaction costs, and higher liquidity—as well as time savings for your practice—than comparable portfolios of individual bonds. Thus, advisors pursuing portfolios of individual bonds should expect to pay greater direct and indirect costs for maintaining complete control of client bond portfolios. The price tag for this control is higher for buyers of municipal and corporate bonds than for buyers of U.S. Treasuries. • Given the higher risks and costs associated with portfolios of individual bonds, and the time they take to manage, most advisors are better served by low-cost mutual funds and ETFs. Particularly in the case of municipal and corporate bonds, it is likely that only clients with enough resources to build a portfolio of comparable scale to a mutual fund (or ETF) can afford to pay the costs for these control advantages. • Consider this report as a resource to inform your client discussions—either for proactive conversations about fixed income portfolio decisions, or to satisfy questions and concerns clients bring to you. For clients who may be partial to holding individual bonds for emotional reasons, the following analysis provides you with empirical data points that could guide them to a more beneficial approach. We also believe the strategies outlined herein can ultimately empower you with more time for higher-value activities, such as deepening client relationships.

Authors: Ted Dinucci, CFA | Chris Tidmore, CFA, CPA | Chris Pettit, CFA Acknowledgments: The authors extend our thanks to Elizabeth Muirhead, CFA, and Edward Saracino for their contributions to this report, and to Donald G. Bennyhoff, CFA, and Scott J. Donaldson, CFA, for their prior research, which greatly informed this paper.

2

Introduction The market and economic backdrop today appear highly uncertain, with the highest inflation in 40 years, a series of large rate hikes from the Federal Reserve, and Russia’s war in Ukraine, to name a few factors. Understandably, the confluence of these events has led to significant market volatility. It’s also led some investors to question the merits of pooled bond vehicles and to ask whether they may be better served by directly owning a portfolio of individual bonds. In some cases, there can be benefits to owning individual bonds, for instance, a nominal immunization strategy where the goal is matching portfolio cash flows to liabilities. However, for the vast majority of advisors and the investors they serve, the likely appeal of individual bonds is largely based on the principal at maturity myth, and embracing it is likely to diminish returns, diversification, and return on your time.

This paper offers our perspective on the primary advantages bond funds have over portfolios of individual bonds in the three key regards of returns, diversification, and return on your time (in exchange for less control over individual securities).1

More important,

for the vast majority, accessing fixed income via low- cost active or passive funds is likely to provide better

outcomes than the direct ownership of individual bonds—even with the hurdle of ongoing management fees. However, we’ll first address the flaws in the principal at maturity myth, since this misconception is what generates so much interest in the topic.

FIGURE 1. Benefits of choosing either a bond fund or individual bond

BOND FUNDS INDIVIDUAL BONDS INCREASED CONTROL ✓ INCREASED DIVERSIFICATION ✓ INCREASED RETURN OPPORTUNITIES ✓ LOWER TRANSACTION COSTS ✓

1 Vanguard 2017.

3

FIGURE 1. Benefits of choosing either a bond fund or individual bond

BOND FUNDS INDIVIDUAL BONDS INCREASED CONTROL ✓ INCREASED DIVERSIFICATION ✓ INCREASED RETURN OPPORTUNITIES ✓ LOWER TRANSACTION COSTS ✓

The principal at maturity myth Holding an individual bond to maturity offers little to no financial benefit to you or your clients versus a pooled product when cash flows are reinvested, as often occurs in laddered individual bond strategies.2

Both portfolios operate in a similar way, but the laddered portfolio is likely to incur greater trading costs and have less diversification. The way that advisors account for laddered bonds in their client statements—by not marking the bonds to their current value, in order to avoid recognizing a paper loss—helps to reinforce the behavioral bias and may mitigate business risk for the advisor. Ultimately, bond prices are inversely related to changes in interest rates: When interest rates rise, the bond’s price falls, and vice versa. This is because a bond’s coupon payments are typically fixed at issuance, leaving price as the only variable that can be adjusted to make the bond’s yield competitive with that of newly issued bonds of similar risk and maturity. This is illustrated in Figure 2. If 10-year bonds are currently yielding 4%, the price of a 2% coupon bond—to be competitive—must decline to a level that results in a 4% yield-to-maturity. In this example, that price is 83.65% of the face value (or $836.50 per $1,000 face value). The 2% bond would provide the same return as the 4% coupon bond trading at par, but some of the return would come from the bond’s appreciation from $836.50 to its $1,000 value at maturity, as opposed to the coupon payments. This price adjustment punctures the common myth that holding an individual bond to maturity will provide a financial benefit to your clients. Absent transaction costs, when interest rates change, prices adjust so that total returns will be equal from that point forward, regardless of whether the bond is held to maturity or sold at the prevailing market price with the proceeds reinvested.

FIGURE 2. How bond prices adjust to keep yields-to-maturity the same A comparison of hypothetical bonds with 10 years to maturity Coupon (annual interest payment) 6% 4% 2% Market price as a percentage of face value 116.35% 100% 83.65% Yield to maturity 4% 4% 4% Source: Vanguard. This hypothetical illustration does not represent any particular investment and the rate is not guaranteed.

FIGURE 3. Total returns closely match starting yields, regardless of whether prices are above (or below) par 14.0% 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% 1989 1991 1993 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013 2015 Forward annualized return versus starting yield

Starting yield Forward annualized return when starting price is above par Forward annualized return when starting price is below par

Figure 3 demonstrates this point by comparing the forward annualized return for the Bloomberg U.S. Aggregate Bond Index, adjusted for duration, with its starting yield. Here, it is readily apparent that future returns closely track starting yields. Moreover, the narrative doesn’t change whether the index is trading above or below par. Therefore, when evaluating bonds with the same characteristics but with different coupon payments, it is always best to compare their yields to maturity.3 Notes: Returns represent the annualized return on the Bloomberg U.S. Aggregate Bond Index using monthly data for the period that aligns with the index’s starting modified adjusted duration, rounded to the nearest month. For instance, if on December 31, 2005, the duration on the index was 5 years, the forward annualized return would be from January 1, 2006, to December 31, 2010. Yields represent the index’s yield to worst (YTW) at the start of each calculation period. YTW is a measure for the lowest possible yield that may be earned on a bond absent the issuer defaulting. The last observation in the figure is September 30, 2015, because after that date the index’s starting duration is longer than the time series. Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Sources: Vanguard analysis of Bloomberg data, as of March 2022. 2 Laddering refers to building a portfolio of bonds with a range of maturities. 3 Yield-to-maturity is the percentage rate of return on a bond, assuming that the bond is held to maturity. For bonds that may be called prior to their stated maturity, yield-to-worst is a preferable measure, as it accounts for the bond’s call feature and represents the lowest possible yield that may be earned assuming no default.

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As mentioned, this principal at maturity myth typically surfaces only when interest rates rise or are expected to rise. If rising rates mean there is a financial benefit to holding bonds to maturity, then falling rates should mean there is a benefit to selling them and reinvesting the proceeds in new bonds. Thus, an active trading strategy would be preferred over a simple buy-and-hold, laddered bond portfolio to take advantage of the market inefficiency. Ironically, this environment has been the norm for the past 20-plus years, yet the trading concept has not been endorsed by the investment community. One doesn’t hear that when interest rates are falling, an open-end mutual fund or ETF with no set maturity date is the preferred structure. Thus, the appeal of holding a bond to maturity is likely emotional, as by not selling a bond at a discount to par, your clients are able to avoid the mental roadblock of “recognizing” a loss. Rather than let this behavioral bias win, advisors can seize this as an opportunity to flex their coaching muscles and leverage the trust they’ve built with clients to help produce better outcomes. Consider this analogy: Just because you chose not to sell your house when prices dipped does not mean it’s worth more than the home of your neighbors, who did sell. The same logic applies to fixed income—whether the bonds are held individually, in a bond fund, or in a separately managed account (SMA).4 Diversification can mean higher returns for similar levels of risk In fixed income investing, diversification among issuers, credit qualities, and term structures is a primary consideration for municipal and corporate bonds. For laddered bond portfolios, issuance calendars do not offer consistent access to all types of bonds. On the contrary, with bond funds, greater diversification is possible because of the larger pool of investable assets and the continuous investment in new offerings. This, coupled with the professional staff needed to conduct risk, trade, and credit analysis allows funds to seek return opportunities farther out on the credit quality spectrum than is possible for an advisor. In the case of the latter, their clients may be seriously affected if even one issuer in their (much smaller) portfolio encounters problems.

In the case of corporate bonds (and munis), the dynamic nature of credit risk makes it essential to diversify issuer- specific risk. The price volatility that results from a change in an issuer’s credit rating is typically asymmetrical:

When a credit downgrade occurs, a bond usually will drop much further in price than it would rise on news of an upgrade. This means that for holders of individual corporate bonds, the penalty for choosing a bond that is downgraded is usually greater than the reward for choosing one that gets upgraded. Professional fund managers who are fully focused on credit analysis may be better suited to spot these trends sooner and avoid the negative effects of downgrades and defaults.

FIGURE 4. Incremental pickups in yields available relative to AA rated corporates Average option-adjusted spread

Average cumulative defaults

0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6%

0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0%

AA rated Broad investment-grade Credit quality 0.98%

0.55%

As a result, many individual bond portfolios exhibit a higher-quality bias relative to bond funds because of the inability to fully benefit from diversification. As shown in Figure 4, higher return opportunities, in terms of incremental yield, are available beyond AA rated corporates to compensate for the low, but always possible, risk of default—even when staying within the corporate investment-grade universe. A more diversified approach that spans the spectrum of investment-grade corporates can translate into a meaningful increase in yield without sacrificing the primary role of high-quality fixed income in a portfolio—acting as a ballast to risk assets. It should be noted that diversification of credit quality can also be achieved through passive exposure.

Notes: Average option-adjusted spreads (OAS) cover the period of January 1997 to April 2022. AA rated as represented by ICE BofA US Corporate Index Option-Adjusted Spread; and broad investment-grade as represented by ICE BofA US Corporate Index Option-Adjusted Spread. OAS is a measure of the difference in yield of a bond and the comparable risk-free rate, adjusted to account for any embedded option. Analysis begins with AA rated corporates, as there are only two AAA rated corporate issuers. Average cumulative defaults are calculated by FitchRatings and represent the 10-year average cumulative defaults for the period of January 1990 to December 2021. Default rates are calculated on an issuer or security basis as opposed to dollar amounts. Sources: Federal Reserve Bank of St. Louis, FitchRatings, and Vanguard analysis, as of April 2022. 4 Separately managed accounts are investment portfolios that are directly owned by an investor and managed by a professional investment firm.

5

FIGURE 5. Growth of hypothetical $1 million initial investment from January 1997 Ending wealth in (million USD) $3.2 $3.3 $3.4 $3.5 $3.6 $3.7 $3.8 $3.9 $4.0

AA corporates

Broad I-G corporates

$4.1 $4.2

Ending wealth with AA corporates Excess wealth with lower quality

Figure 5 translates the lost return opportunities in Figure 3 into actual excess wealth created by expanding the investment opportunity set beyond AA rated bonds.5 For a long-term investor, being broadly invested in investment-grade corporates would have produced an additional $400,000 of nominal wealth, given a hypothetical, initial $1 million investment in 1997, relative to the same investment in AA rated corporates. Moreover, through broad diversification, as an advisor, you would be able to increase your client’s long-term expected returns for their fixed income holdings, while significantly reducing single-issuer risk and still maintain high overall credit quality.

Notes: Figure assumes a hypothetical initial $1 million investment on January 1, 1997, and held until April 30, 2022. AA corporates as represented by ICE BofA 5–10 Year AA US Corporate Index; and broad I-G corporates as represented by ICE BofA 5–10 Year US Corporate Index. Sources: Vanguard analysis of Morningstar data, as of April 2022. Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Transaction costs are real, but often go overlooked All bond portfolios incur costs. Though the management cost component often receives the lion’s share of attention because it is readily apparent and known in advance, it also represents only one part of the equation. Less scrutinized, but similarly detrimental to long-term financial outcomes are transaction costs (e.g., bid-ask spreads). Ultimately, bid-ask spreads tend to vary by trade size and bond sector, and the size of the spread is typically larger for small transactions. Bond mutual funds and ETFs buy and sell large quantities of bonds, and these large transactions can command higher prices for sales and lower prices for buys. So long as the size of the spreads paid or received are inversely related to purchase lot size, bond funds have a transaction cost advantage over individual bond portfolios. The benefits of scale are most significant in the municipal bond market, but still relevant and tell a similar story to that of corporates. Figure 6 illustrates this point. It shows that in the municipal bond market, the spread for a retail trade (less than $100,000 per bond) on average has been consistently higher than that for an institutional trade. Specifically, between January 2019 and April 2021 the effective spread for transactions with a par value between $25,001 and $100,000 averaged 56.4 basis points (bps), while transactions with a par value of over $1 million averaged 20.2 bps. This differential translates to lower total return for clients who are not able to transact at scale.6 Additionally, large firms, such as Vanguard, are able to get the broadest access to bonds in the primary market, so it’s not only about the size of the trade and lower costs, but also what bonds one gets to purchase. This is especially important as there tends to be a drop-off in liquidity as time passes from issuance.

FIGURE 6. Spreads are significantly wider for retail trades relative to institutional trades (bps)

$10,000 or less $10,001- $25,000 $25,001- $100,000 $100,001- $1 million $1 million+ 20.2

56.4 35.5

63.6 81.9

In the end, higher spreads translate into lower returns. Whether creating a taxable or tax-exempt bond portfolio for a client, the basic decision comes down to this: Does the fund expense ratio detract less from the portfolio’s total return than (1) the return surrendered by a higher credit-quality bias, if one exists, (2) the default risk, if there is no quality bias, or (3) the additional transaction costs? It would be rare for the fund expense ratio (particularly in the case of a lower-cost bond fund) to be larger than the other costs. Notes: The above figure shows the average effective spread for municipal bond transactions of various sizes from January 2019 to April 2021. Effective spread is a measure of customer transaction costs and is computed daily for each bond as the difference between the volume-weighted average dealer-to-customer buy and sell price, and is then averaged across bonds using equal weighting. Sources: MSRB data and Vanguard analysis. 5 Though an advised client’s fixed income portfolio is unlikely to be comprised of only intermediate-term (5- to 10-year maturity) U.S. corporate bonds. 6 As a simple example, if constructing an initial bond portfolio with an average duration of five years and transaction costs of 50 bps, it would translate to 10 bps per year.

6

Control of the portfolio One, or perhaps the only, advantage of self-directed individual bond portfolios and, to some extent, SMAs over pooled vehicles is the owner’s ability to influence portfolio decisions. The motivation for maintaining control generally falls into three camps: strict portfolio guidelines that place firm restrictions on portfolio characteristics, such as credit-quality (e.g., all-AA portfolio) or limits on derivatives usage; matching portfolio cash-flows with specific liabilities (e.g., cash-flow matching); and tax concerns. Given the inflexibility of the first, and presumably, high-level of certainty of the second, we’ll focus on the potential tax considerations, as certain common beliefs may be overstated and therefore warrant a discussion. Regarding taxes: Because clients directly own the bonds in an SMA or a laddered bond portfolio, as their advisor you can use any net losses from individual bond positions for tax purposes to partially offset your client’s earned income or to offset realized capital gain liabilities from other investments. A mutual fund or ETF, on the other hand, cannot pass through realized losses to its shareholders. Instead, the fund uses realized losses against realized gains, and carries forward any excess losses to be used against future gains. Although this may defer the pass-through of losses, it provides long-term tax efficiency to the pooled structure. In addition, as the advisor, you have a further option: You can sell your clients’ fund shares to realize a loss where applicable. Regarding individual bond portfolios or SMAs, another factor to consider is that to take advantage of losses in these accounts, you will incur transaction costs for

your clients on both the sale of the current bond and the purchase of the new bond.

Though all the above applies to both taxable and tax- exempt bonds, in terms of the latter, there is often the

additional consideration of alternative minimum taxes (AMT). With an individual bond portfolio or SMA, the portfolio can be tailored to bonds that are exempt from AMT or specific to issues from your client’s home state. While this is true, it is important to acknowledge that there are currently a number of state-specific vehicles available for your clients—particularly in states with high tax rates. Also, though it’s sometimes forgotten, the key point that advisors should be concerned with is seeking to maximize client after-tax returns, rather than with minimizing taxes. Bonds issued outside a client’s home state and bonds subject to AMT often carry higher yields to maturity.

As a result, your clients may well get higher after- tax returns from a portfolio including such bonds. In

addition, clients gain from increased diversification—an important benefit. With the preceding considerations in mind, it may be impractical to transition clients from their existing SMA solutions or portfolios of individual bonds into a primarily fund-aligned strategy. For advisors that already utilize an SMA or construct their own bond sleeves, a bond fund can serve as a strong complement—by providing some additional liquidity to the portfolio and a solution for reinvesting periodic cash flows from their individual bond holdings (or SMAs) to reduce potential cash drag.

Conclusion For the reasons described in this paper, the vast majority of advisors who invest for their clients are best served through low-cost bond funds. Only those advised clients with the resources to achieve scale comparable to that of a mutual fund should consider putting certain control features ahead of the benefits that a pooled investment vehicle offers. Funds generally provide better diversification, greater return opportunities, lower transaction costs, and higher liquidity for your clients. For advisors, the time savings from outsourcing the day-to-day portfolio management can be reinvested in higher returning opportunities, such as deepening client relationships and growing your practice. Although bonds that are held directly can provide certain advantages over bond mutual funds—primarily related to control over security-specific decisions—such control comes at a cost. To construct an individual bond portfolio, an advisor must assign a very high value to the control benefits to justify the higher costs and additional risks involved.

6

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References Bennyhoff, Donald, Scott Donaldson, Jamese Dunlap, and Daren Roberts, 2017. A topic of current interest: Bonds or bond funds? Valley Forge, Pa.: The Vanguard Group. Bennyhoff, Donald G., 2009. Municipal bond funds and individual bonds. Valley Forge, Pa.: The Vanguard Group. Donaldson, Scott J., 2009. Taxable bond investing: bond funds or individual bonds? Valley Forge, Pa.: The Vanguard Group. Li, David, Charlotte L. Needham, and Jake Han, 2022. 2021 Transition and Default Studies. FitchRatings. Wu, Simon Z., and Nicholas J. Ostroy, 2021. Transaction Costs During the COVID-19 Crisis: A Comparison between Municipal Securities and Corporate Bond Markets. Washington, D.C., Municipal Securities Rulemaking Board.

Connect with Vanguard® advisors.vanguard.com • 800-997-2798

All investing is subject to risk, including the possible loss of the money you invest. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Bond funds are subject to the risk that an issuer will fail to make payments on time and that bond prices will decline because of rising interest rates or negative perceptions of an issuer’s ability to make payments. Investments in bonds are subject to interest rate, credit, and inflation risk. Although the income from municipal bonds held by a fund is exempt from federal tax, you may owe taxes on any capital gains realized through the fund’s trading or through your own redemption of shares. For some investors, a portion of the fund’s income may be subject to state and local taxes, as well as to the federal Alternative Minimum Tax. Diversification does not ensure a profit or protect against a loss. CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute. We recommend that you consult a tax or financial advisor about your individual situation. Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.

© 2022 The Vanguard Group, Inc. All rights reserved. U.S. Patent No. 6,879,964. FAIBVBF 112022

In this week’s episode of the Wicked Pissah Podcast, Kim Furnald, CLU returns to the program. Using a holistic approach after a career in financial services, Kim for the past decade has been working with advisors on Estate and Business applications of insurance. In this episode, Kim brings to life some helpful scenarios that help to illustrate different business insurance concepts – like buy-sell funding (whether cross purchase or entity plans), executive bonus, split-dollar funding, and discussion of disability cases as well as for life coverage for these needs. Kim shares recent case law that impact these issues as well. Listen in to a familiar topic, but learn more or get a refresher on how to approach business owners’ needs surrounding insurance concerns and opportunities.

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

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

https://www.linkedin.com/in/j-christopher-boyd-b932169/

Valuing Your Life’s Work with Aaron Wells of FP Transitions

Hosts Kathleen Kenealy and Chris Boyd are joined by Aaron Wells, Director of Financial Analysis at FP Transitions, to discuss how Aaron and the team at FP Transitions help advisors measure and assess the value of their life’s work. Aaron explains why it’s so important to “start with why,” what metrics help drive the value of a business, how different size practices should think about approaching valuation, the process FP Transitions uses to collect data to run a valuation on a firm, and the difference between value and price.

https://www.fptransitions.com/

https://www.fptransitions.com/our-team/member/aaron-wells?hsLang=en

https://www.linkedin.com/in/aaronwells747/

Xtrackers Hosts Brad Wright and Chris Boyd are joined by John O’Connor and C. Allen Parker of JH Whitney Investment management who together with Xtrackers have created the “Geostrategic Risk Rating” system. John is CEO of JH Whitney and was previously Chairman of JP Morgan Alternative Asset Management. He’s a Senior Fellow at USMA West Point, has served as a member of the US Department of Defense Business Board, a Civilian Aide to the Secretary of the Army for New York, and has received awards from the Secretary of Defense, the Air Force, and the Navy. Allen is President of JH Whitney and previously served as Interim CEO as well as General Counsel for Wells Fargo & Company. They discuss: -What a Global Geostrategic Risk Rating system means for companies -How this may affect our investments in these companies -How the US government is responding to these risks -Possible paths the US-China relationship could take

Learn more about our current geopolitical landscape and the Xtrackers US Critical Technologies ETF (CRTC) that could potentially provide a solution for investors looking to mitigate these risks in their portfolios at www.Xtrackers.com

For more information on JH Whitney, DWS the Geostrategic Risk Rating or CRTC please contact Paul Berard, Xtrackers New England ETF Specialist @ paul.berard@dws.com , 203- 364-9426 or visit their website at Xtrackers US National Critical Technologies ETF| Xtrackers by DWS

Kathleen speaks with FPA of New England chapter President Marybeth Breed and Massachusetts State Treasurer Deborah Goldberg about the various initiatives Treasurer Goldberg has worked on to promote financial education across the Commonwealth of Massachusetts. We learn about the task force she convened to determine the best approaches to developing financial education in our communities, the work of the Office of Economic Empowerment and the Baby Steps savings program, and why the Treasurer believes that financial education is a proactive medicine that can be used to address other problems. We also discuss why educating kids about finances as part of the school curriculum is such an important objective, the bi-partisan bill she put forth requiring financial education in our schools, and the challenges of getting new topics added to school curriculum.

Massachusetts State Treasurer Deborah Goldberg

Office of Economic Empowerment

Office of Economic Empowerment - YouTube

Worth in Wealth Program

Operation Money Wise

7Michael Connaughton – Lead Advisor Hosts Brad Wright and Kathleen Kenealy are joined by Michael Connaughton. Mike is co- founder of Lead Advisor, a wealth management collective that specializes in building firms, practices and careers. They provide creative perspective, time leverage and industry insights for growth focused businesses and professionals. With a niche in talent acquisition and development, Lead Advisor partners with firms and practices to help solve for service, scalability and succession planning. They also empower professionals in the field through career strategy coaching, leadership development and study groups. Michael is a CFP who went to Providence College, lives in the Boston area, and yet somehow finds himself a Milwaukee Bucks fan?! Find out why… They discuss: -What goes into a talent search and whether candidates are difficult to find - What candidates are searching for in a new firm -Coaching both firms and candidates -Lead Advisor’s app for vetted candidates

Learn more about Michael and Lead Advisors: https://www.lead-advisor.com/

Newsletter:

https://mailchi.mp/1f81a3c34ca4/lead-advisors-talent-market-insights-for-september-17380127

Web based app for several core employee roles for hiring firms:

https://app.careers.lead-advisor.com/login/start

Setting Charitable Intentions with Erinn Andrews of The Give Team

Education, food insecurity, climate change, humanitarian and disaster relief… There are countless causes and more than a million and a half charities in the US looking for support. We all have limited time and resources, so how do you possibly decide which organizations to donate to?

On this episode we are joined by Erinn Andrews, founder and CEO of the Give Team, to talk about how she helps clients be more strategic and intentional in their charitable giving. We talk with Erinn about how and why advisors should bring up philanthropy in conversations with their clients, the process she uses with clients to develop a charitable mission statement, how she identifies and selects charities that are in line with her clients’ giving missions, and why she prefers stay local when recommending charities to clients.

For more information or to contact Erinn:

erinn@thegiveteam.com

https://www.thegiveteam.com/

https://www.linkedin.com/in/erinn-andrews/

Incorporating Long Term Care Into Your Long-Term Planning

There are some grim statistics out there regarding long term care:

70% of adults who live until age 65 will develop a need for long term care services in their lifetime The average annual cost of a private room in a nursing home facility runs more than $100,000 a year.

How can you help your clients prepare for what can be catastrophic costs of care during their lifetimes? On this episode, we speak with Linda Thalheimer, an independent expert in long term care planning. Tune in to hear our conversation about who should consider buying long term care insurance, how certain policies can protect against Medicaid liens, new trends in the long term care industry, and how her parents have used over a million dollars in long term care benefits so far.

For more information: https://www.linkedin.com/in/longtermcareadvisor/

https://www.longlifeplanning.com/

https://www.genworth.com/aging-and-you/finances/cost-of-care

In this episode, Chris Boyd CFP®CASL®catches up with Bob Powell CFP®, RMA® to discuss the pressing issue of financial exploitation, focusing on scams and schemes.

Bob Powell highlights the prevalence of financial scams, particularly those targeting elderly individuals, with statistics showing significant financial losses and many cases going unreported.

-Common ScamsThe discussion covers various scams such as AI-generated deep fakes, phishing emails, romance scams, and "pig butchering" investment scams, illustrating the sophistication and creativity of modern scammers.

-Risk FactorsIdentifying factors that increase vulnerability to scams, including cognitive decline, social isolation, low financial literacy, and lack of a financial advisor.

-Protective Measures-Emphasis on education, awareness, and proactive planning. Recommendations for using tools like olderadultnestegg.com for regular assessments and creating a trusted contact to help safeguard clients.

As an advisor, you may have a considerable part of your personal wealth connected to your business. How and when will you obtain that wealth by selling your business? Will you sell internally or to another firm? Will that firm be larger and backed by private equity? How soon do you want to exit or how long do you want to stay active and what restrictive covenants will impact you? Is it important to you to keep your brand … technology … control of portfolio management? These and many other considerations are discussed in this episode as co-hosts Chris Boyd & Brad Wright speak with today’s guest, Jessica Polito (http://linkedin.com/in/jessica-polito-thm) of Turkey Hill Management (https://turkeyhillmanagement.com/). Jess is one of the several upcoming presenter at the Wicked Good Succession Summit on June 5, 2024. Register and join us!

FPA NE - Wicked Good Succession Summit | June 5th, 2024

Location: The Artisan at Tuscan Village, Salem, a Tribute Portfolio Hotel, 17 Via Toscana, Salem, NH 03079

Date and time: Wed, Jun 5, 2024 8:00 AM - 6:30 PM

Organizer: Kristin Beane, (508) 320-1685, admin@fpama.org

Price: $150 (member)/$200 (non-member)

https://www.fpanewengland.org/2024/05/june-5-wicked-good-succession-summit/

http://linkedin.com/in/j-christopher-boyd-b932169

http://linkedin.com/in/bradleyonair

Mike Arone – State Street Global Advisors Hosts Brad Wright and Kathleen Kenealy are joined by Mike Arone. Mike is Managing Director and Chief Investment Strategist for State Street Global Advisors US Intermediary Business Group. Michael is a highly regarded speaker at industry conferences and is the author of several articles related to investment management practices. He is a member of the firm's Senior Leadership Team and has worked extensively with the firm's global institutional and intermediary clients to help them identify investment solutions that enable them to meet their long-term financial goals. Michael holds a BS in Finance from Bentley College. He has earned the Chartered Financial Analyst designation and is a member of the Boston Security Analysts Society and CFA Institute. They discuss: - The strength of the US economy and whether we’re headed towards a recession - Why gold, silver and other commodities have been doing so well lately - The US deficit - A bit about politics… without getting political

Learn more about State Street Global Advisors: www.ssga.com

1) SPDR Exchange Traded Funds (ETFs) | SSGA 2) Uncommon Sense (ssga.com) 3) Insights (ssga.com) – save as a favorite and check back often 4) Practice Management (ssga.com)

Jim Sinai - Vanilla Host Brad Wright is joined by Jim Sinai. Jim is Chief Marketing Officer at Vanilla, The Estate Advisory Platform, designed to transform how wealth advisors help their clients manage their estate and build their legacy. Jim is a seasoned cloud executive and experienced marketer, with a background in sales, business development, and a passion for new technology, telling the story and helping make complex software easy to understand. Jim is also a former college rugby player, at Brown. They discuss: -Adding estate planning software to an advisor’s arsenal -How it integrates with performance and tax planning software, as well as insurance -To what degree it can help with prospecting -And why Vanilla is NOT boring

Learn more about Vanilla: www.justvanilla.com

Follow them on LinkedIn: https://www.linkedin.com/company/justvanilla/

For our 200th episode, we are joined by the legendary George Kinder, best known for creating the Registered Life Planner designation and curriculum through the Kinder Institute of Life Planning. George is a pioneer who helped to shape what has become the financial planning industry. Join past chapter president, Chris Boyd of Wealth Enhancement Group & Kathleen Kenealy, current chapter board member & founder of Katapult Financial Planning, for an uplifting and inspiring discussion about financial planning in the context of Life Planning.

Harvard-educated George Kinder started as a tax planner and a personal financial advisor (1973 - 2004) and subsequently became the founder and president of The Kinder Institute of Life Planning (2000—present), which has trained more than 5,000 professionals worldwide.

He is the author of numerous books (https://www.amazon.com/George-Kinder/e/B001JRXW6M). George Kinder was the first winner of the Financial Planning Association's Heart of Financial Planning Award, recognizing "individuals who demonstrate commitment and passion in doing extraordinary work to contribute or give back to the financial planning community and the public."

In this episode, George shares insights about life planning - considering how we communicate in client meetings - listening empathetically - and being careful not to direct clients & their priorities. George elaborates on the 3 Questions for which he has become famous, common themes of responses, and how the Kinder Institutes helps advisors as Registered Life Planners become more & better advisors by assisting clients on their journey to fulfillment. Even as the conversation concludes, George's enthusiasm & passion remain evident, considering the virtues of mindfulness & the fiduciary standard.

Join us as we meet George Kinder & consider Life Planning on the Wicked Pissah Podcast!

Tiffany Markarian – Advantus Marketing Host Brad Wright is joined by Managing Director of Advantus Marketing, Tiffany Markarian. Tiffany has coached hundreds of wealth advisors, broker/dealers, brokerage and insurance firms in driving productivity, practice equity and overall growth. She draws from her deep field experience as a Director of Marketing for Allmerica Financial, Senior Consultant at New England Financial/MetLife, and Director of Marketing for John Hancock/Signator Investors, Inc. She additionally served as Director of Business Development for a Massachusetts wealth management firm for seven years prior to forming Advantus Marketing.

They discuss: -Branding and how to utilize it to develop profitable markets - How to develop your marketing team – Because Hope is not a plan - How many 45s fit in a Jukebox – hint: more than 50! Plus, you’ll learn how to run everything by JAMES

Contact Tiffany: tiffany@advantusmarketing.com

Website: www.advantusmarketing.com

"Clutter is nothing more than unmade decisions." - Patty Kreamer. Organization and efficiency expert Patty Kreamer of Productivity Uncorked joins us to share how to see between the steps and pull out the things that really don't matter and how you can use DiSC behavioral styles as a resource to enhance your daily relationships.

https://productivityuncorked.com/

https://www.facebook.com/ProductivityUncorked

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

https://wickedpissahpodcast.libsyn.com/episode-124-patty-kreamer-cpo-productivity-uncorked

https://discsimple.com/discsimple-usa/

Sharing a Passion for Personal Finance Through Writing with Kate Dore, CFP®

On this episode Kathleen and Jeff are joined by personal finance reporter Kate Dore, CFP®. We hear from Kate about how a career in music publishing led Kate to discover a passion for personal finance and eventually pursuing the Certified Financial Planner™ designation. We talk to Kate about how she gets her ideas for her articles, why she likes to collaborate with advisors, and how she incorporates aspects of the financial planning process into writing her stories.

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

https://www.cnbc.com/kate-dore/

On this episode of the Wicked Pissah Podcast we are joined by long time industry veteran, Kate Healy. You may know Kate from her long tenure at TD Ameritrade or perhaps you recognize her from one of the many industry awards she has been honored with over the years, but you may not know about what she’s up to now. Listen in as we talk with Kate about her career, why it’s so important to develop the next generation of talent in this industry, and what she’s doing now that she’s launched her own consulting firm, AdvoKate IQ.

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

"Do what you do best and outsource the rest." - Peter Drucker. Michelle Wong, CEO of Nifty Advisor Support, joins us to discuss how she strives to close the talent gap between advisors and non-advisors through inclusive communication and effective remote team management. Their virtual assistance, collective coaching, and on-demand recruiting solutions help advisory firms deliver a better client experience.

https://www.niftyadvisorsupport.com/

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

https://www.linkedin.com/company/nifty-advisor-support/

https://www.linkedin.com/newsletters/wong-not-white-7049713992860131328/

https://www.facebook.com/meetnifty

https://twitter.com/meetnifty

Saving Money on Prescription Drug Costs with Patricia Prewitt

According to a 2022 study, Americans pay higher prices for prescription drugs than any other country in the world, with prescription drug prices here in the U.S. more than 2.5 times as high as those in other high-income nations. As a result, 1 out of every 3 adults on prescription drugs say they are unable to take them as prescribed due to the cost.

On this episode of the Wicked Pissah Podcast, we speak with Patricia Prewitt, a woman who is trying to help individuals and families find the best ways to reduce their prescription medication costs. Tune in to hear suggestions from Tricia on how to find discounts, apply for patient assistance programs, and why a consultation with her could be the perfect birthday or holiday gift you can give to that hard-to-shop-for person in your life.

https://mypersonalrxadvisor.com/

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

https://www.goodrx.com/

https://www.singlecare.com/

https://www.needymeds.org/

AJ Boury Hosts Brad Wright and Chris Boyd are joined by TIFIN Wealth COO AJ Boury. They discuss: * The AI and innovation platform for wealth that was founded by former Wharton Professor and successful entrepreneur Dr. Vinay Nair * How FPA members who manage under $100M in AUM can access the TIFIN Wealth platform for free *Scientific personality assessment (Risk Capacity, Risk Preference, and Portfolio Risk) and how they play into creating personalized investment proposals Plus, you’ll hear AJ’s (former college football player) predictions on next season’s NY Giants.

TIFIN Wealth:

www.TIFINWealth.com

www.TIFINWealth.com/fpa

Erika Wasserman, CEO of Your Financial Therapist, joins us to discuss how she addresses #financial #anxiety and #stress #management, #money and #relationshps, #mindset, and #behavior #change with her #FinancialTherapy clients and how she trains #FinancialPlanners to integrate these topics into their #client #conversations.

https://yourfinancialtherapist.com/

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

https://www.linkedin.com/company/your-financial-therapist/

https://www.facebook.com/yourfinancialtherapy/

https://twitter.com/Fin_Therapist

https://www.instagram.com/yourfinancialtherapist/

https://www.youtube.com/@yourfinancialtherapist

On today’s episode, Brad Wright and Jeff Tomaneng are joined by Cozy Wittman. Cozy is an education and partnership leader at College Inside Track. Cozy speaks nationally about college search, educating families and training financial advisors and other professionals who work with families with high schoolers. She is passionate about dispelling myths around how colleges accept students and how they price their product. She has been featured in The Journal of Financial Planning on the subject of college planning. And she’s a mom to 5 kids, all with different goals for college!

We discuss:

College planning being more than “Just get in and we’ll figure it out”
We’ll attempt to understand the difference between need-based aid and merit-based aid, how to search for colleges that give more, and how to appeal their initial offering.
We’ll learn what impact FAFSA changes have had on the college search and pricing process

Contact Cozy at www.collegeinsidetrack.com

This week, we are joined by #FinancialPlanner, continuous #learner, #aspiring #teacher, and 2023 FPA Heart of Financial Planning Award winner Virginia Asher. Virginia practices financial planning at Chichester Financial Group and TrustBank Wealth Management and provides #financial #coaching, financial #literacy #education, #curriculum design, and #mentoring at Whealthy Living. Tune in to hear about her #career progression to align her practice with her #values.

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

https://www.chichesterfinancial.com/team/virginia-asher-cfp

https://www.financialplanningassociation.org/press-room/releases-announcements/2023-fpa-heart-of-financial-planning-award

Nurturing a More Diverse Profession – with Rene Jarquin and JonPaul McBride

According to data recently released by the CFP Board, less than 10% of the nearly 100,000 CFP® professionals report as Black, Hispanic, Latino, Asian or Pacific Islander. Only 24% are female. It’s not news that we have much work to do to encourage individuals from underrepresented communities to join our ranks.

On this episode, Kathleen is joined by her fellow FPA of New England chapter members, Rene Jarquin and JonPaul McBride, to talk about their involvement with the New England chapter’s Diversity, Equity & Inclusion committee and the work they are doing to advance diversity within our profession. Tune in to learn more about the various initiatives the DE&I committee is pursuing to attract more candidates from diverse backgrounds into the industry, what their experience was like attending the CFP Board’s Diversity Summit, and how they continually adjust and improve their outreach efforts by listening to feedback they have gotten from the students they are trying to reach.

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

https://www.linkedin.com/in/rene-jarquin-66016/

https://www.mentimeter.com/

https://www.cfp.net/knowledge/reports-and-statistics/diversity-and-womens-research/racial-diversity-in-financial-planning-where-we-are-and-where-we-must-go

https://wickedpissahpodcast.libsyn.com/episode-132-blx-internship-program-with-chloe-moore-and-luis-rosa

This week, we are joined by #technology #innovator, #author, and 2023 FPA Heart of Financial Planning Award winner Greg Friedman. Greg was at the forefront of the industry's shift to #transparent, non-hierarchical #leadership, and his candid approach to #communication within the advisory community has established him as a highly influential thought leader. Tune in to hear about his journey and thoughts on technology and the profession of #financial #planning.

https://www.linkedin.com/in/greg-friedman-ms/

https://www.wealthspire.com/our-team/greg-friedman-ms/

https://twitter.com/GregFriedmanCEO

Kathleen and Jeff speak with Guy Ziriak and Mike Costello. Guy is a Vice President, and Mike is a Senior Partner with FPA New England partner Northeast Brokerage, an employee-owned insurance brokerage general agency dedicated to providing relationship-based sales assistance in the areas of Life, Disability, Annuity, and LTC insurance. We'll hear their best practices for working with financial planners to address their clients' risk management needs.

https://www.linkedin.com/in/mike-costello-375790a/

https://www.linkedin.com/in/guy-w-ziriak/

https://www.linkedin.com/company/northeast-brokerage/

https://nb-bga.com/

Brad and Jeff speak with Leadership and Business Coach Sarah Cain. She is VP of Coaching and Consulting at FPA partner and sponsor Carson Group, where she leads a team of executive business coaches and practice management consultants who help successful financial advisors refine their vision, grow their business, and transition from advisor to CEO. https://www.linkedin.com/in/sarahmcain/ https://www.linkedin.com/company/carsoncoaching/ https://www.carsoncoaching.com/ https://www.financialplanningassociation.org/practice-support/carson-coaching

This week, we are joined by personal financial advisor, author, and thought leader, 2023 FPA P. Kemp Fain, Jr., Award winner Ross Levin. Ross is the Founder and a Shareholder of Accredited Investors Wealth Management. Long an industry leader, Ross translates his expertise into meaningful conversations with clients about integrating their money and values. Stay tuned to hear about his journey and thoughts on the profession of financial planning.

https://www.accredited.com/be-our-guest

https://www.linkedin.com/in/ross-levin-b818885/

https://twitter.com/spendyourlifewi

https://www.accredited.com/ross-levin

https://www.financialplanningassociation.org/press-room/releases-announcements/2023-pkf-award-ross-levin

#FinancialPlanning #PersonalFinance, #WealthManagement, #FinancePodcast #RossLevin, #FPAAwardWinner #MoneyValues #FinancialAdv #FPA2024 #KempFainAward #FinancialTalk

Jeff and Kathleen are joined by 2024 FPA National President Claudia Kane of Beacon Wealth Strategies. We'll hear about her journey overcoming personal struggles early in life to build a financial advisory practice from wirehouse to independent broker-dealer and her plans to lead FPA and advance the financial planning profession.

Stay tuned to hear our conversation.

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

https://www.raymondjames.com/claudiacypherkane

https://www.financialplanningassociation.org/about/board/claudia-cypher-kane

#FinancialFrontiers

#ClaudiaKaneJourney

#FPA2024

#IndependentBrokerDealer

#BeaconWealth

Financial Planning Association (FPA)

Claudia Kane

Beacon Wealth Strategies

Personal Struggles

Financial Advisory Practice

Wirehouse to Independent Broker-Dealer

Leadership in Financial Planning

2024 National President

Career Journey

Financial Industry Insights

As a financial advisor, would you sell your business if you found out it might be worth nearly twice what you thought? That might be true. In this episode, host Brad Wright is joined by guest, Scott DiGiammarino of JPTD Partners, and WPP co-host, Chris Boyd, who is selling his practice, to talk about the potential environment for investment advisors thinking of selling. There are no shortage of worries in the world - the impact of AI, fee compression, market disruptions, and more. As a financial advisor, we often urge clients to diversify and not keep too much of a single holding, yet for many of us, our business interests represent our largest asset and source of income. In this episode, Scott ("DiGi") DiGiammarino provides tips as to which firms can fetch top dollar and how to make improvements when necessary. Having a consultant's help can enable you to look at your business in a way that will attract buyers and find firms offering higher deal structures. What are the questions you should consider to determine which buyer might be the best fit for you? Listen in. We hope this episode will provide you helpful considerations as you might be planning for yourself as we transition from one year to the next. Reach Scott ("DiGi") DiGiammarino and JPTD Partners at: Web: https://www.jptdpartners.com/ Email: ScottDiGi@JPTDPartners.com Cell: 703-851-1244 . . #DiversifyYourAssets #TopDollarAdvisoryFirms #ConsultantAdvantage #AdvisoryBusinessSale #MaximizeBusinessValue #PlanningForTransition

Alex Fratila, CFA speaks with host Chris Boyd about Managed Futures. Learn what are the benefits of use of futures in designing an investment portfolio. How they work, what asset classes can be represented, and how inclusion of a managed futures strategy into clients' portfolios has the potential to help reduce volatility and produce more appealing risk-adjusted returns, particularly in the most volatile of times.

Fratila & Company is an alternative investment firm, seeking to generate uncorrelated returns with public market-like liquidity. The firm is headed by ex-CSS trader, Alex Fratila. Fratila & Company attempts to further the concepts utilized at CSS, which was founded by the original UBS O’Connor team after Swiss Bank purchased O’Connor in 1992.

Join us for an interesting discussion as you contemplate how you might manage risk in your client accounts as we round out 2023 and move toward a new year.

email: Alex@fratilaco.com

website: www.fratilaco.com

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

#InvestmentStrategies #ManagedFutures #FinancialInsights #RiskManagement #AlternativeInvestments #AlexFratilaCFA #FratilaAndCompany #VolatilityReduction #PortfolioDesign #UncorrelatedReturns #2023Investments #FinancialTalk

Collaborating with a Daily Money Manager to Enhance Client Relationships

We all have clients that don’t always know where their money goes each month, who struggle to find important documents when they need them, who hate opening their mail and paying their bills, and who stress around tax time trying to get information to their accountant. As advisors, we love helping our clients plan for the future, but we often don’t want to get into the weeds of managing their day-to-day finances. Luckily, there are other people out there that do! On this episode of the Wicked Pissah Podcast, host Kathleen Kenealy speaks with Jeremy Zizmor, founder of Assurance Family Partners, a firm that provides Daily Money Management services to clients who don’t have the time or desire to manage their day-to-day financial matters. We talk about how Jeremy works with his clients to provide bill pay, mail management and bookkeeping services; how collaborating with a daily money manager can enhance the services that planners offer to their clients; as well as questions to ask if you are considering using a daily money manager to help relieve the day-to-day money management stress that your clients face. Learn more: https://assurancefamilypartners.com/

Book time with Jeremy: https://assurancefamilypartners.com/consult

Take the Assessment: https://assurancefamilypartners.com/fpane

Connect with Jeremy: https://www.linkedin.com/in/jeremyzizmor/details/experience/

#MoneyManagement #ClientRelationships #DailyMoneyManager #FinancialSupport #FinancialPlanning #WickedPissahPodcast #FinancialServices #BillPay #MailManagement #FinancialMatters #ClientCare #FinancialAdvisor #FinancialAssistance #FinancialOrganization #FinancialWellness #FinancialRelief #ClientNeeds #FinancialHelp #FinancialStress

Sometimes it can be hard finding a CPA or tax professional that actually does tax planning for clients, not just tax preparation. This challenge has only grown over the last few years as more and more accountants have retired or left the industry and is likely to only get worse seeing as 70% of CPAs reached retirement age in 2020!

On this episode of the Wicked Pissah Podcast we speak with Katrina Kowalski, a CPA who believes so firmly in the value of tax planning that she doesn’t bill it as a separate service. Join us as we nerd out on taxes with Katrina – we revisit some of the lesser-known aspects of SECURE 2.0, we discuss tax and retirement planning opportunities that small business owners should consider, and we hear how Katrina uses the “Rule of 3” to help her clients focus on accomplishing meaningful tasks that will help advance their businesses without getting overwhelmed.

More Information:

https://onpointnh.com/

https://www.linkedin.com/in/katrina-kowalski-cpa-a269011/

#TaxPlanningPros #CPAInsights #TaxPreparationVsTaxPlanning #FinancialAdvisors #TaxStrategies #RetirementPlanning #SmallBusinessOwners #SECURE2.0 #TaxNerds #FinancialStrategies #WickedPissahPodcast #TaxTips #CPAExpertise #BusinessGrowth

On this episode of the Wicked Pissah Podcast we speak with licensed professional counselor Jennifer Gray. Jennifer focuses her counseling work on helping financial advisors find balance and authenticity between their personal and professional selves; manage and overcome burnout and overwhelm; and celebrate the success of building a fulfilling life and business.

Keep listening to hear Jennifer’s tips for setting boundaries with your clients and your business, using your values to build a life and practice that you love, and how to slowly start loosening your grip on the reins of control to create more space in your life to take care of yourself, not just your clients.

For more information:

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

https://www.jennifergraycounseling.com/therapy-for-financial-professionals

Learn how to help your clients utilize various tax benefits from real estate investments - including benefits of depreciation, capital gains deferrals, & more. Energetic and entertaining guest, Jay Frank, Pres. & COO of Cantor Fitzgerald Asset Management, joins co-hosts Chris Boyd & Brad Wright. It may not be for CE, but you will learn important resources to help your clients. 'Like-kind" 1031 Exchanges of real estate transactions can seem to have complex rules, but Jay explains with ease. Learn more about things like: 721 exchanges, what is a DST or a TIC. You've probably heard of a Qualified Opportunity Zone, but did you know clients can defer capital gains from real estate, stocks, or other investments by investing in one? Whet your appetite to learn more and help your clients.

Cantor Fitzgerald Asset Management

https://www.cantor.com/our-business/asset-management/

Jay Frank

President & Chief Operating Officer

Cantor Fitzgerald Asset Management

jfrank@cantor.com

https://www.linkedin.com/in/jay-frank-b52b624/

Allan Sheahan, CFP®

Senior Vice President - Regional Director

Cantor Fitzgerald Asset Management

Allan.sheahan@cantor.com

(mobile) 785-221-1202 / (text) 617-371-8303

https://www.linkedin.com/in/allan-sheahan-cfp%C2%AE-06b895158/

Beyond Finance: Planning for Your Life In Retirement

Host Chris Boyd, CFP® is joined by Jennifer Simes, CFP®, long time FPA member who suggested today’s topic and guests. Nan Ives & Lisa Stornaielo share the challenges of retirement beyond finances. In the course of navigating challenges of identity and purpose, Nan & Lisa have found and developed resources for those in or near retirement to consider the next chapter of life and find fulfillment. Learn more about “The Future of You” in this episode of the Wicked Pissah Podcast.

Jennifer Simes:

Email: JSimes@CarlPSherr.com

https://www.linkedin.com/in/jennifer-simes-cfp%C2%AE-a5246911/

https://carlpsherr.com/

Nan Ives:

Email: Nan@TheFutureOfYou.com

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

https://www.thefutureofyou.com/

Lisa Stornaielo:

Email: Lisa@TheFutureOfYou.com

https://www.linkedin.com/in/lisa-stornaielo/

https://www.thefutureofyou.com/

Chris Boyd:

Email: Chris@amrfinancial.com

https://linkedin.com/in/chris-boyd-562504299/

Hosts Brad Wright and Jeff Tomaneng are joined by Income Lab co-founder Johnny Poulsen, CFP®. They discuss:

Whether or not advisors have been looking at retirement distributions the wrong way
What Guardrails are and how they can help a retiree remain on track
How uncertainty can be less stressful than the certainty of a negative event.

You’ll also learn how Monte-Carlo analysis can work during a client’s accumulation phase, but adjustment-based income planning, during retirement, may be better understood and provide more certainty.

For more info on Income Lab, visit www.incomelab.io

Kathleen and Jeff speak with advisor marketing thought leader and author Kristen Luke of Kaleido Creative Studio. Kaleido Creative Studio is a marketing agency that helps Registered Investment Advisors market themselves to a niche, making it easier for them to stand out from the competition and attract ideal clients. Stay tuned for a Wicked Pissah! (recorded 9/14/23)

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

https://www.linkedin.com/company/kaleido-creative-studio/

https://www.kaleidocreative.com/

https://www.OnNiche.com/

https://www.fpanewengland.org/wicked-good-half-day-talks/

Hosts Brad Wright and Kathleen Kenealy are joined by Purse Strings founders Dr. Barb Provost and her daughter Maggie Nielsen, MBA. They discuss:

What led Barb and Maggie to found a financial services organization for women
How the gender wealth pay gap impacts women’s financial security, and how women can become more financially confident
How you, as an advisor, can potentially team up with this organization

You’ll also learn how to become comfortable working with female clients and the skills required.

For more info on Purse Strings, visit www.pursestrings.co

Reach Barb and Maggie, info@pursestrings.co

Become a Purse Strings Approved Professional, https://pursestrings.co/be-purse-strings-approved-2023/

Purse Strings Podcast, https://pursestrings.co/podcast/

According to studentaid.gov, there are a whopping 45 million borrowers in the US who have Federal student loan debt – that’s almost 15% of the country’s population. Pretty soon those borrowers are going to need to start making loan payments again as the student loan payment pause is coming to an end after providing borrowers with payment relief for the last 3 plus years.

To talk about what this means and the options that student loan borrowers currently face, we are joined by Certified Financial Planner™ practitioner and Certified Student Loan Professional™, Dan Rooker. Dan will give us an overview of the new SAVE plan and how it differs from prior repayment plans, actions that borrowers can take today to prepare for their payments to start up again, and resources that advisors can leverage to learn more about planning for clients with student loans.

For more information:

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

https://www.studentloanplanner.com/

https://slpwealth.com/

Double Consolidation Guide

Double Consolidation - PSLF

As part of this journey we call life, all of us will experience and grieve a loss or know someone who has. What do you say? How do you say it? Acknolwedging the loss and grief of another person can be uncomfortable and awkward, but it doesn’t have to be. Kathi Balasek is on a mission to help financial advisors relate to a person who is a grieving. As an educator and grief literacy communication coach, Kathi works with advisors to help them understand language around grief, how to better communicate with empathy, and how to create a safe space and better connect with those who are grieving. This episode may help you be a better advisor, but it likely will help you be a better human, too.

For more information about Kathi:

https://www.kathibalasek.com/

The Well Widow Podcast: https://www.kathibalasek.com/podcast

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

From Planning to Publishing: Educating Others by Writing from the Heart Have you ever thought about writing a book but you’re not sure where to start? How do you figure out what to write about? How do you go about getting published? How do you get people to buy and read your book? On this episode, Cassandra Smalley and Nycole Freer join us to help answer some of these questions. Cassandra and Nycole are two FPA members who each took the leap to write a book while also starting their own financial advisory practices. Cassandra and Nycole share with us what inspired them to become authors, what the writing process was like for each of them, things they learned along their publishing journey and words of wisdom they have for other aspiring advisors-turned-authors.

"Haisley's Birthday Money"

"The Why of Wealth"

Contact / Follow Cassandra and Nycole:

Nycole Freer - Eden Financial

You can find Nycole on LinkedIn, Instagram, YouTube and Facebook.

Cassandra Smalley - Cassandra Smalley Wealth Management

You can find Cassandra on LinkedIn, Instagram, YouTube and Facebook.

Resources Mentioned During the Conversation

Reedsy

Children's Book Authors and Illustrations Facebook Group

Purple Diamond Press

Manuscripts

New Degree Press

"The Why of Wealth" Book Club Discussion Guide

Ben Lewis, Chief Communications Officer of the Financial Planning Association joins the podcast to share new member resources and remind us about many more.

We discuss:

New Media Training advanced modules & MediaSource PR opportunities: https://www.financialplanningassociation.org/advocacy/media-engagement (this is the link to the current training. It will be relinked to the new one once launched!)
Janus Henderson - 6 Keys To Growth For Today’s Advisor: https://www.financialplanningassociation.org/learning/research
FPA Marketplace: https://www.financialplanningassociation.org/practice-support/marketplace
Partnership with Chartered Alternative Investment Analyst Association (CAIAA): https://fpa.chalicenetwork.com/marketplace/unifibycaia/
Elder Planning Specialist certification program: https://fpalearning.onefpa.org/products/elder-planning-specialist-program-2
CHOIR Voices: https://hellochoir.com/voices/
TIFIN Wealth resources available to FPA members with less than $100M AUM: https://www.financialplanningassociation.org/press-room/releases-announcements/fpa-tifin-wealth-partnership

… and much more.

Kathleen and Jeff speak with Diane Pappas of Solutions for Divorce. Solutions for Divorce is a boutique fee-only Divorce Financial Planning firm on the North Shore of Boston dedicated to improving the divorce process for individuals and couples going through this challenging time in their lives.

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

https://www.linkedin.com/company/solutions-for-divorce-llc/

https://solutionsfordivorce.com/

https://www.fpanewengland.org/2023/07/september-13-wicked-good-half-day-talks-boston-ma/

Did you know that before Dr. Sarah Newcomb became an applied scientist in behavioral economics she was an aspiring opera singer? No? Then tune in to this episode of the Wicked Pissah Podcast to find out what else you might not know about Sarah!

We will hear how Sarah’s effort to get her financial situation in order led her to realize she needed to first heal her own attitudes and unhealthy thinking about money. She’ll give us some tips on how advisors can use psychological frameworks to help coach their clients into healthier financial behavior. We’ll also get a sneak-peek into her “Financial Life Modes” presentation to the FPA of New England coming up on October 5th in York, Maine. https://www.linkedin.com/in/sarahcnewcomb/

https://www.thrive-financial.net/

Loaded: Money, Psychology, and How to Get Ahead without Leaving Your Values Behind

Register for Wicked Good Talks: October 5, 2023 in York, Maine

Chris and Jeff speak with Bob Hanney and Phil Colmar of MRB, The Macro Research Board.

MRB is an independent research firm providing integrated global multi-asset investment strategy as well as actionable, absolute-return ideas. We hear their thoughts on the current equity and fixed income environment and how they help financial advisors with their research. (recorded 8/24/23)

https://www.linkedin.com/company/mrb-partners/

https://www.linkedin.com/in/phillip-colmar-b3a82514/

https://www.linkedin.com/in/robert-hanney-448b3ab8/

https://www.mrbpartners.com/

https://www.fpanewengland.org/2023/07/september-13-wicked-good-half-day-talks-boston-ma/

Protecting your clients’ property and wealth with Personal Risk Advisor Holly Gately

When was the last time you took your clients through a comprehensive risk assessment? Can’t remember? Then tune into this episode of the Wicked Pissah Podcast and hear from Personal Risk Advisor Holly Gately.

Holly is a risk management specialist with USI Insurance Services who focuses on personal property and casualty insurance for successful individuals and families.

We’ll learn about the holistic approach Holly takes to make sure clients are properly insured, how advisors can make the insurance review experience better for clients, why you might want to think twice about buying that condo in Florida, and more.

HOLLY GATELY
Personal Risk Advisor

CA Individual License No. 4106472

USI Insurance Services, LLC

CA Agency License No. 0G11911

holly.gately@usi.com | www.usi.com

https://www.linkedin.com/in/hollyoconnor/
https://www.linkedin.com/company/usi-insurance-services/
https://www.usi.com/property-casualty/
https://www.usi.com/personal-risk/

Host Brad Wright is joined by Holistiplan’s Chief Growth Officer, Chris Field. They’ll walk you through Holistiplan's tax planning software (even if you’re not a CPA or an EA).

You’ll learn how the software can help you:

scale
gain clients
justify your fees

You’ll also learn about two books Chris has written on becoming a “Disruptor” and the non-profit Mercy Project, which he founded to use sustainability and empowerment to help rescue children out of slavery in Ghana.

For more info on Holistiplan: www.Holistiplan.com

To reach Chris: Chris@Holistiplan.com

Are you an advisor working with baby boomer business owner clients?

According to the US Small Business Administration, there are 33.2 million small businesses in America representing 99.9% of all US businesses. Obviously small businesses are a critical part of our local, state, and national economies. But what happens when someone who has spent their life building and growing their business decides they are finally ready to let go of the reins and do something different? How do privately held business owners prepare to eventually sell or exit their company?

On this episode of the Wicked Pissah Podcast, we are joined by speaker, author and exit planning expert John Leonetti, Founder and CEO of Beacon Hill Equity Group and the International Exit Planning Association.

We’ll hear from John about what exit planning is and why business owners need it, why demand for exit planning continues to increase amongst baby boomer business owners, and how advisors can better engage with business owners to help them through what is both a financial and emotional process. You’ll also hear a story from John about a recent transaction he facilitated that gave me goosebumps and helps support his claim that exit planning is the greatest work there is.

https://www.linkedin.com/in/john-leonetti-421b83a/

https://theiepa.com/

https://beaconhillequitygroup.com/

https://www.amazon.com/Exiting-Your-Business-Protecting-Wealth/dp/0692016228

None

In this episode, our esteemed guest is Jeffrey Kleintop, CFA, Chief Global Investment Strategist and Managing Director of Charles Schwab & Company, Inc. Listen in as Jeff reminds advisors of the virtues of international exposure, not just from the perspective of company domicile or sales exposure. Jeff will share their perspective on the state of the global economy, including the potential opportunities (attractive multiples or recovery from recession) and risks (whether climate, geopolitical concerns, or others), We’ll be reminded that even domestic investors may not be exempt from many of these same concerns, but are we entering a period of foreign markets outpacing US markets?

Let’s talk about Global Markets and International Investing!

To connect further with Jeffrey you can find him below:

https://www.linkedin.com/in/jeffrey-kleintop-36427a9/

https://www.schwab.com/learn/author/jeffrey-kleintop

https://twitter.com/jeffreykleintop

To find out about the educational opportunities we discussed in this episode and more:

https://www.fpanewengland.org/

Returning guest, Kristin Beane of Endeavor Consulting, LLC and FPA of New England's executive director joins the podcast for an update on what's been happening in the chapter the first half of the year and for a preview of things to come. Whether for the Free CE Day for members (on 8/1 & 8/2), upcoming half-day educational programs, community building, or pro bono offerings, the FPA of New England has loads to offer members. Hear how Kristin and her team have grown from serving one chapter to some of the largest chapters along the east coast.

https://www.fpanewengland.org/

Admin@FPAMA.org

https://www.linkedin.com/company/financial-planning-association-of-massachusetts?trk=company_logo

http://www.facebook.com/pages/Financial-Planning-Association-of-Massachusetts/180236272033414

Brad Wright CFP® and Jeff Tomaneng CFP® speak with Joe Messinger CFP®, ChFC®, CLU®, CCFC. Joe is a trusted authority in the areas of college planning and funding. He’s on a mission to "Change the way America shops for college." He created the innovative College Pre-Approval™ system to seamlessly guide families through the college funding maze and ensure that every student graduates with manageable student loan debt without robbing retirement.

We discuss:

The rising costs of college tuition
How to calculate net costs at over 3,000 schools across the country
How late is too late to begin planning for college
Joe’s “College Planning Made Easy Certificate Program for Advisors”

Contact Joe:

https://www.joethemessinger.com/

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

https://capstonewealthpartners.com/

https://twitter.com/capstonewealth

https://www.facebook.com/mycapstoneplan/

As a financial professional, are you working in your business, or are you working on your business?

Today we are joined again by renowned professional coach and author, Duncan McPherson. Chapter Past Presidents Brad Wright & Chris Boyd discuss with Duncan some of the powerful insights from the book, The Blue Square Method, which he co-authored with Chris Jeppesen. The Blue Square Method is about building a business and a life … finding that balance and developing a business that serves clients effectively, efficiently, and compellingly so that they become raving fans with branded processes, all while building a business that serves your life well. Additionally, Duncan shares about the virtues of professional coaching services for financial advisors and his team at Pareto Systems.

Okay, let’s get started and learn more about the Blue Square Method!

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

https://www.thebluesquaremethod.com/

https://www.paretosystems.com/

This week, we talk with Ric Edelman about Cryptocurrency & Digital Assets.

The questions abound:

Is it safe?
Who should and shouldn’t own it?
How much for a client’s portfolio?
How do I deal with the logistics of ownership, rebalancing, digital wallets, and compliance oversight?
What about bad actors - be it platforms like FTX, failed coins, or even illicit uses?

Join chapter past-presidents Chris Boyd & Jeff Tomaneng as we hear about Ric's journey from journalist to national radio show host, to best selling author, to building the nation’s largest RIA firm. We’ll also hear about Ric’s latest endeavor to educate financial professionals about digital assets. Whether you agree or disagree about the uses of cryptocurrency, you’ll enjoy Ric Edelman’s passion and enthusiasm for this emerging asset class. Let us know what you think? Let’s talk about Cryptocurrency!

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

https://dacfp.com/

https://www.amazon.com/Truth-About-Crypto-Easy-Understand/dp/1668002329

The Truth About Crypto: A Practical, Easy-to-Understand Guide to Bitcoin, Blockchain, NFTs, and Other Digital Assets

With more than $47M American retirees, and 10,000 BabyBoomers reaching retirement age every day … let’s talk RETIREMENT.

Join our guest, Bob Powell, renowned Retirement columnist for USA Today & MarketWatch, publisher/editor of The Street's Retirement Daily, host of Exceptional Advisor, Co-Founder of FinStream.TV, Curriculum Director of the Elder Plan Specialist certification program, & Director of Retirement Education for Sensible Money.

Whether about spending in retirement, the risks retirees face, or the needs for an elder plan, Bob provides insights for advisors consideration when working with clients in retirement based on his extensive expertise from a career of financial reporting as well as having conversations with many today’s great financial minds.

Listen for the end of the podcast as Bob indicates how advisors can get published, and benefit from credentials aimed at helping advisors work with retirees.

Kathleen and Jeff speak with Dr. Sarah Fallaw. Sarah is a psychologist, researcher, and founder-president of DataPoints, the first behavioral assessment company for financial services. DataPoints uses tools that pinpoint financial attitudes, wealth-building behaviors, and investor risk tolerance to uncover client money mindset. She co-authored The Next Millionaire Next Door, continuing the study of wealth in America started by Thomas J. Stanley, Ph.D.

https://datapoints.com/
https://www.linkedin.com/in/sarahfallaw/
https://twitter.com/sarahfallaw
https://www.facebook.com/datapoints

On this episode of the Wicked Pissah Podcast we are joined by representatives from Dimensional Fund Advisors, Althea Trevor and Dillon Hewitt-Castillo. During our conversation with Althea and Dillon we learn about Dimensional’s investment philosophy, strategy, and the process they use when building portfolios. We also learn about the numerous resources that Dimensional provides to advisors to help support their practices and client work.

https://www.dimensional.com/us-en/financial-professionals

dillon.hewitt-castillo@dimensional.com

On this episode of the Wicked Pissah Podcast we speak with Brooklyn Brock, founder of Ellevate Advisors. Brooklyn is a Certified Financial Planner™ practitioner who provides financial planning services to a unique set of clients – other financial planners. Brooklyn is also a Certified Exit Planning Advisor and works with other planners to coach them through putting continuity and succession plans in place. Tune in to learn more about why Brooklyn brings a unique perspective to succession planning, how she implements a values-based approach in the work she does with her clients, and the steps you can take to begin the important work of creating your own continuity and succession plan for your firm. https://www.ellevateadvisors.com/brooklyn-brock https://www.linkedin.com/in/brooklynbrock/

We are joined by Ginnie Baker, CFP®, Partner of Beaird Harris Wealth Management and head of the FPA® Advisory Council, to discuss what the role of the Advisory Council is, its importance, and how it’s impacting the Financial Planning Association® going forward.

On this episode we are joined by our fellow FPA of New England member, Rick Fingerman, CFP®, CDFA®, CCPS™. Rick is the Managing Partner and Co-Founder of Financial Planning Solutions where he helps create Financial Wellness for Widowed or Divorced Women™ and works to empower clients that are seeking a more secure financial life. Rick was awarded the 2014 Heart of Financial Planning Award for the work he does overseeing our chapter’s pro bono financial coaching program with the Dana Farber Cancer Institute (DFCI). Tune in to hear about how Rick became involved with the DFCI coaching program and why he gives so much of his time back through volunteering. We also talk about the June 2nd training session for those that are interested in becoming a pro-bono coach for Dana Farber patients, what it is like working with patients and the many resources that are available to support you in your coaching efforts.

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

https://planwithfps.com/who-we-are/meet-the-team

https://www.fpanewengland.org

David Marra of Markin Asset Management speaks with us not only about quantitative asset management but also about the recession worry, changing long-term economic & market conditions, recency bias, building portfolios that act as clients expect, this quarter’s earnings, and recent banking insecurity. Benefit from David’s insights and perspective, and learn more about Markin’s approach & offerings.

https://markinfunds.com/

https://www.linkedin.com/in/david-marra-8693b44

We are joined by body language expert, keynote speaker, and author Traci Brown. She uses her body language expertise to help banks, credit unions and financial, insurance and safety groups stop fraud losses by detecting deception that happens right before their eyes. She also shares with us some tips to better understand and communicate with others and facilitate better relationships.

https://www.bodylanguagetrainer.com/

https://www.linkedin.com/in/bodylanguageexpert1/

We are joined by 2022 Heart of Financial Planning Award winner Celeste Revelli. She is the director of digital planning within planning advice services at Fidelity Investments. She will share her thoughts on how democratizing financial wellness and closing wealth gaps via technology can lead to greater financial peace of mind and a society that operates at its optimal potential.

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

https://www.fidelity.com/go/youth-account/

On this episode, host Kathleen Kenealy speaks with two of the FPA New England chapter’s board members: Membership Director Karen Van Voorhis, CFP® and Kayla Holland, CFP®, head of the Next Gen Committee. We hear from Kayla and Karen about the different paths they each almost took before pursuing a career in financial planning. We talk about the value of starting a career in a small firm that provides you with an opportunity to experience many different aspects of running a wealth management firm. Karen shares her tips for finding a position as a planner without ever actually applying for a job and Kayla tells us about all the great events the Next Gen committee is planning for this year. We also hear about their experiences being involved with the FPA, the benefits that the FPA provides to its members, and how the FPA as an organization can benefit from welcoming Next Gen members to our community.

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

https://www.linkedin.com/in/kayla-holland-cfp%C2%AE-031a0435/

https://www.fpanewengland.org/

We are joined by award-winning financial advisor, educator, and thought leader Robert Glovsky. Robert is Vice Chair and a Principal of The Colony Group. Stay tuned to hear about his professional journey and thoughts on CFP education and the profession of financial planning.

https://www.linkedin.com/in/robert-glovsky-265a205a/

https://www.thecolonygroup.com/your-team/robert-j-glovsky-jd-llm-cfp/

We are joined by CFP Board CEO Kevin Keller and CFP Board Chair and CFP Professional Dan Moisand. We'll hear about CFP Board's strategic priorities, the relationship between FPA and CFP Board, and Dan and Kevin's thoughts on the evolution of the financial planning profession. Stay tuned to hear our conversation.

We are joined by 2022 FPA Heart of Financial Planning Award winner Shawn Jacobson. Shawn is an Advisor at Northrock Partners where he leverages over 20 years of impactful and meaningful client relationships, Shawn continues to deliver extensive education and advice in retirement, estate planning, insurance and investments to affluent clients.

https://www.linkedin.com/in/shawn-jacobson/

https://www.northrockpartners.com/

Matthew Jarvis, Co-Founder of The Perfect RIA and author of Delivering Massive Value, joins host Brad Wright to discuss helping financial advisors create hyper-efficient and profitable practices. Learn how you can become more efficient and increase your firm’s capacity, how to “graduate” clients who are no longer a fit, and how to achieve all of this while charging a premium.

You’ll also find out who Matt turns to for advice, what he’s reading, and how he spends all of his time off.

Contact Matt:

https://theperfectria.com/

Buy the book:

Amazon

Other References:

https://theperfectria.com/podcasts/

https://www.kitces.com/blog/matthew-jarvis-financial-podcast-building-profitable-lifestyle-practice-by-age-35/

We are joined by writer and financial planning industry commentator Bob Veres. Bob is the owner, editor, and publisher of Inside Information, a newsletter of relevant curated content for the financial advisory profession and co-producer of the Insiders Forum. Bob is a frequent industry speaker, delivering insightful and entertainment keynote sessions that explore the features and trends of the financial advisory profession. In addition to winning several national awards as a journalist, Bob has been named as one of the most influential people in the financial planning profession by Investment Advisor Magazine and Financial Planning Magazine. We learn about how he got to where he is today and hear about the evolution of the financial planning profession.

https://bobveres.com/

https://www.linkedin.com/in/bob-veres-b4813611

This week, we are joined by financial behavior expert, and storyteller Dr. Mary Bell Carlson, CFP®, AFC®. Mary is the president of Financial Behavior Keynote Group, a source for keynote speakers centered on financial behavior, and the author of the newly released book, Anchors, Ostriches, and a Hot Pair of Scissors: Navigating Human Behavior as a Financial Professional. We'll hear about her diverse professional experiences, working with financial planning firms, professional associations, government organizations, human resources firms, and higher education institutions.

Her contact info:

Email: Mary@keynote.financial

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

Twitter: @MaryBellConsult

Website: https://keynote.financial/

Host and past FPA MA President, Jeff Tomaneng, CFP®, is joined by author, consultant, and Financial Services FinTech Expert Joel Bruckenstein. Joel is the founder and president of T3 Technology Tools for Today, the premier practice management and consulting firm for the financial planning profession and the financial services industry. Stay tuned to hear about his journey and the evolution of financial technology.

T3 Advisor Conference: March 13-16, 2023

Conference discount code: T3Z200

Register for Conference here: https://www.t3conferences.com/

Joel's LinkedIn: https://www.linkedin.com/in/joelbruckenstein/

In this episode, hosts Kathleen Kenealy and Jeff Tomaneng are joined by 2022 FPA Heart of Financial Planning Award winner Mark Prendergast. Mark talks to us about his career over the years, how he works with clients in his role as Director of Tax Strategies at Inspired Financial, and how he’s developing the next generation of planners and leaders at his firm. We also learn about what he’s looking forward to in retirement, what inspires him to tirelessly give back through volunteering and pro bono efforts, and how he found love through the FPA.

Mark's links:

https://www.financialplanningassociation.org/lead/awards-scholarships/heart-of-financial-planning-award

https://www.linkedin.com/in/mark-prendergast-6974aa9/

https://www.inspiredfinancial.biz/

https://www.savvyladies.org/about-us/helpline-volunteers/

Host Jeff Tomaneng, CFP®, is joined by 2021 FPA Montgomery-Warschauer Award winner Julie Fortin, CFP®, FBS®, CeFT®. Julie is a partner and wealth advisor with Northstar Financial Planning, a financial life planning and wealth management firm dedicated to helping women and couples successfully navigate life transitions while cultivating financial security and well-being. She specializes in wealth psychology and the neuroscience of financial decision making. Stay tuned to hear about her journey and how interpersonal neurobiology integrates with the profession of financial planning.

Her Award Winning Paper:

https://www.financialplanningassociation.org/article/integrating-interpersonal-neurobiology-financial-planning-practical-applications-facilitate

Her LinkedIn:

https://www.linkedin.com/in/julie-fortin-cfp/

Host Jeff Tomaneng, CFP®, is joined by 2022 FPA P. Kemp Fain, Jr., Award winner Scott Kahan, CFP®. Scott is the owner and founder of Financial Asset Management Corporation, a financial planning and advisory firm he started in 1986 with the vision to provide individuals, families, and small businesses with the tools and resources to make and implement informed financial decisions in a fee-only model. Hear about his journey and thoughts on the evolution of the financial planning profession, the importance of pro-bono work and giving back, being client-centric, financial planning not being about a product sale, and financial life planning.

Scott's info:

https://www.famcorporation.com/

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

https://www.famcorporation.com/

https://www.facebook.com/FinancialAssetManagementCorp

FPA Massachusetts Past President Jeff Tomaneng is joined by educator, entrepreneur, writer, and investor, Brian Portnoy, CFA®. Brian is the founder of Shaping Wealth, a learning technology platform transforming the human experience of money, combining science and story to show people how to underwrite a meaningful life through "Funded Contentment."

https://www.shapingwealth.com/

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

https://twitter.com/brianportnoy

Hosts Kathleen Kenealy and Brad Wright are joined by members of the FPA 2023 incoming executive committee leadership team, Shaun Erickson, Kevin Williams and Marybeth Breed. We ask them about their experiences as members of the FPA, how they found themselves in leadership positions, and what they find most valuable about the FPA community. We take a look back at 2022 as the year comes to a close and reminisce about being back in person again for Wicked Good Talks and Gala for a Goal. We hear from them about what it is like serving on the board and what the chapter has in store for 2023.

We are joined by Vice President of Fidelity's Asset Allocation Research Team, Jake Weinstein. Host Chris Boyd, CFP®, has a wide range conversation with Jake about issues that face investors today in regard to Asset Allocation. They discuss themes and the implications of inflation, debt, geopolitics and globalization, foreign exchange, aging demographics and more. If you’re thinking about portfolio construction for the next year and the years ahead, listen to this episode for great insight.

To see the Fidelity “Quarterly Market Update” research from Fidelity's Asset Allocation Research Team for the particular quarter, please visit this link: Quarterly Market Update.

Jake Weinstein LinkedIn: https://www.linkedin.com/in/jacob-weinstein-cfa-ab5b4a5

We are joined by FPA Board Members, Karen McDade, CFP®, AIR®, CDFA®, and Dan Galli, CFP®, to discuss OneFPA and a culture of a Board, the meaning of being a FPA board member, what the Board's focus has been, Financial Planner title protection, challenges and opportunities facing the profession today, and much more. Karen and Dan both share with us their journey of how they got to where they are today and what led them to want to serve as a FPA Board member.

We are joined by Senior Advisor of the American Heart Association’s Charitable Estate Planning Team in the eastern states region, Ed Rodbro, CAP®. Ed shares with us his perspective on philanthropy and gift planing. You’ll learn about the why behind his career in planned giving, the life saving work of the AHA, and how advisors can help their clients make an impact with philanthropic giving as we head into giving season.

heart.org/waystogive

heart.org/lifes8

FPA Massachusetts Past Presidents Brad Wright and Jeff Tomaneng are joined by their fellow FPA New England chapter member Bruce Brumberg. Bruce is an expert on equity compensation, a contributor to Forbes, and Co-Founder and Editor-in-Chief of myStockOptions.com - the website devoted to equity compensation topics including basics, taxation, and financial planning. The website covers all types of stock grants: stock options, restricted stock/RSUs, performance shares, SARs, and ESPPs. He shares basics on stock options and non-qualified deferred compensation.

https://www.mystockoptions.com/

https://www.linkedin.com/in/bruce-brumberg-89345111/

https://www.forbes.com/sites/brucebrumberg/?sh=70e10dc526f7

In this episode, Kathleen Kenealy and Rene Jarquin, Director of the FPA of New England’s Diversity, Equity & Inclusion Committee, are joined by Chloe Moore, CFP® and Luis Rosa, CFP®, EA, two of the co-founders of the BLX Internship program. According to recent data published by the CFP Board, less than 5% of CFP® Professionals are Black, Hispanic or Latino. The mission of the BLX Internship Program is to make the demographics of the financial planning profession more representative of the population of the country by providing an entry point into financial planning for Black and LatinX individuals. Join us to learn more about the program, its goals over the next year, and how advisory firms can benefit from hiring an intern in their practice.

To register for an information session on December 6, 2022 please visit the BLX website: https://www.blxinternship.org/ The BLX Internship Program is a 501c3 organization. Donations to the program are used to help support the logistics of the program, provide career development training for the interns, and offer scholarships to the interns to further develop their professional careers. All donations made before December 31, 2022 will be matched (up to $10,000). Visit the BLX website for more information on how to donate: https://www.blxinternship.org/donations

Co-hosts Jeff Tomaneng, CFP®, CDFA® and Kathleen Kenealy, CFP®, CPWA® are joined by Alexandria Dunn, CFP®, CTFA, Cynthia Haddad, CFP®, ChSNC®, and John Nadworny, CFP®, CTFA of Affinia Financial Group to discuss their expertise in Special Needs Planning. You’ll learn how Alex, Cynthia and John are uniquely qualified to guide families who have a loved one with a disability; how they work with their clients to keep them motivated and engaged in the planning process; how their practice and this type of planning has evolved over the years; and their suggestions for other advisors who are, or are considering, focusing their practices on families in this niche.

Please visit SpecialNeedsPlanning.com to learn more about Affinia Financial Group and to access their Knowledge Bank of free, downloadable publications and learning resources.

Use the discount code “SNP15” to get 15% off when you buy the 2nd edition of their book, “The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child’s Life” from Brooke’s Publishing.

Brad speaks with Massachusetts Deputy Treasurer and Director of the Office of Economic Empowerment, Alayna Van Tassel.

Alayna discusses her path into state politics. She delves into the status of Bill H.578 An Act establishing a personal financial literacy curriculum in schools and introduces us to the possibility of Baby Bonds (an at-birth publicly funded trust fund program for Massachusetts residents). Alayna also reflects on her tenure at the Office of Economic Empowerment; their accomplishments, how they measure success, and what happens to the office when eventually there is an administration change.

Listen to the end when Alayna divulges three things people don’t know about her, including her favorite quote and her dog’s name.

To find out more about the Office of Economic Empowerment visit: www.mass.gov/treasury/empowerment (links to all programs and social media).

For upcoming events visit: www.bit.ly/OEEevents

Ana Limon and Jamie Hopkins from Carson Group join us to discuss the future of the financial planning profession, their partnership with FPA, and how they're coaching financial planners, financial advisors, and investment advisory firms to better serve their clients and advance the profession.

LinkedIn

Ana Limon - https://www.linkedin.com/in/anatlimon/

Jamie Hopkins - https://www.linkedin.com/in/jamie-hopkins-esq-llm-cfp%C2%AE-chfc%C2%AE-clu%C2%AE-ricp%C2%AE-022a502a

Carson Group - https://www.linkedin.com/company/carsongroupllc/

Twitter

Ana Limon - https://twitter.com/AnaT_Edits

Jamie Hopkins - https://twitter.com/RetirementRisks

Carson Group's Podcast:

https://www.carsongroup.com/framework/

The Financial Planning Association® is examining a multi year effort to have title protection for Financial Planners. Considering the merits and challenges in this discussion with 2022 FPA President, Dennis Moore, CFP®, and CEO and Secretary of the FPA, Patrick Mahoney, on this episode of the Wicked Pissah Podcast hosted by Chris Boyd, CFP® and Kathleen Kenealy, CFP®.

In this episode of the Wicked Pissah Podcast, we'll hear from Melody Ramsey of Heifer Foundation. She shares with us the work and mission of Heifer International and how she works with corporations, individuals, and their financial and legal advisors to educate them on Heifer's work and philanthropic efforts.

Websites: Heiferfoundation.org & Heifer.org

LinkedIn: https://www.linkedin.com/in/melody-ramsey-401b6413

Email:

Melody.Ramsey@heiferfoundation.org

Host, Chris Boyd, CFP®, and colleague and co-host, Jeff Perry, JD, are joined by Certified Student Loan Professional, Belle Osvath, CFP®, CSLP®, to discuss and explain the proposed plans and implications of President Biden's student debt forgiveness plan: who it affects, what it means for those who qualify, what Pell Grants are, and more.

Belle's LinkedIn: https://www.linkedin.com/in/jenniferbelleschneider/

Kurt Czarnowski, Principle at Czarnowski Consulting, joins host Brad Wright to discuss the current state of Social Security. With 75 million baby boomers set to retire in the next 15 years and claiming Social Security benefits, will there be enough money? What are the best claiming strategies, and will you receive good advice by walking into a Social Security office? Kurt spent 34 years with the Social Security Administration and helps us define what Social Security is, what it isn’t, and dispel some common myths.

Website: http://www.czarnowskiconsulting.com/

Email: kurt.czarnowski@gmail.com

Are you inundated with emails or general clutter that prevents you from growing or handling your business on a day-to-day basis? We are joined by author, speaker, and productivity coach, Patty Kreamer, Certified Professional Organizer, from Productivity Uncorked. She shares with us how she got to this profession, what her practice looks like, and how she helps financial advisors feel in control of their business.

Website: https://productivityuncorked.com/

Facebook: https://www.facebook.com/ProductivityUncorked

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

Joining us is Christine Benz, Morningstar's Director of Personal Finance and author of 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances, and Jeffrey Ptak, CFA®, Morningstar's Chief Ratings Officer; both are hosts of The Long View podcast. They share insights about what's happening in the world of personal finance, the valuation of markets, how to evaluate ESG and more.

Website: https://www.morningstar.com/

Podcast: https://www.morningstar.com/podcasts/the-long-view

LinkedIn:

Christine Benz - https://www.linkedin.com/in/christine-benz-b83b523

Jeffrey Ptak - https://www.linkedin.com/in/jeffrey-ptak-cfa-5977978

Twitter:

Christine Benz - @christine_benz

Jeffrey Ptak - @syouth1

Episode recorded on Thursday, August 4th, 2022

We are joined by employment, business and personal injury mediator, and owner of Mariani Mediation Services, LLC, Amy Mariani, JD. We hear about when it makes sense to try mediation instead of litigation to resolve conflicts in business and personal matters, saving time, money, and stress.

Website: MarianiMediation.com

Email: AMariani@marianimediation.com

Phone: 617-279-0540

LinkedIn: https://www.linkedin.com/in/amy-cashore-mariani/

Steven Ryder, Founder of True North Networks, Inc. joins host Brad Wright to talk about current cybersecurity threats, SEC Audits, whether your VPN is good enough, and why you must use multifactor authentication, even though it’s super annoying. He’ll guide you in what to ask when looking to hire an IT company and educate you on the difference between an Incident and a Breech.

Contact Steven:

(603) 624-6777

sryder@truenorthnetworks.com

www.TrueNorthNetworks.com

We are joined by Certified Business Development Coach, Business Growth Strategist for Financial Advisors and FPA National Board Member, Susan Danzig. Susan shares with us business development techniques and basic principals. She covers ways to work with clients, how to maintain a marketing focus, and how to grow your firm consistently.

She encourages taking the Financial Advisor Success Quiz at financialadvisorsuccessquiz.com directly linked with her website.

Website: https://www.susandanzig.com/

Email: susan@susandanzig.com

Phone: 925-954-1773

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

We talk to a Turnkey Asset Management Program (TAMP) panel. They discuss what a TAMP is, the pros and cons of using one, how to tell the difference between TAMP options that advisors can utilize, and how to evaluate a TAMP.

We are joined by Cozy Wittman, Education and Partnership Manager at College Inside Track. She speaks nationally about college search and educates families, financial advisors and other professionals who work with families on the college process.

Website: https://collegeinsidetrack.com/

Email: cwittman@collegeinsidetrack.com

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

We’re joined by the leadership of the National FPA, CEO, Patrick Mahoney, 2022 President, Dennis Moore, and 2023 President Elect, James Lee. We get to know the team, their journey, important things that have been happening in the FPA, value propositions and providers that assist FPA chapters and advisors.

Website: onefpa.org

Dr. David Kelly, Chief Global Strategist and Head of the Global Market Insights Strategy Team for J.P. Morgan Asset Management, speaks about the impacts of inflation, Ukraine, and other shockwaves on the economy. He shares his outlook, including his take on interest rates, bonds, the Federal Reserve, and some key take aways on investing in 2022 and beyond. Listen in to this candid and insightful interview as you consider how best to guide your clients in these volatile markets.

On this episode we speak with cryptocurrency thought leader and CEO of Onramp Invest, Tyrone Ross. He shares with us why consumers and financial advisors should be aware of digital assets and how they fit into investment portfolios. He also shares his thoughts on Diversity Equity & Inclusion within the Financial Services industry.

Website: http://tyroneross.io/

Company: https://onrampinvest.com/

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

On this dual episode, we talk to Donna McKeown and learn the current interest rate environment as it relates to mortgages.

Donna’s Phone: 781-775-7172

We then connect with Natalie Wagner Willis, who is a Finologist (money theorist), philosopher, money-wellness coach, and founder of Vital Financials. She is a “Certified Financial Recovery Counselor”, and helps people match their money lives with their authentic selves – through cash flow management.

Natalie’s Contact:

Website: WhatIsFinology.org / VitalFinancials.com

Email: natalie@whatisfinology.org

Phone: 303-507-9250

In this episode, we are joined by business coach, author, and entrepreneur, Stacey Brown Randall. Stacey shares with us her journey of how she got to where she is today, how failing can lead to success and how to generate business referrals without asking.

Website: https://www.staceybrownrandall.com/

Email: stacey@staceybrandall.com

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

Her Book: https://www.amazon.com/Generating-Business-Referrals-Without-Asking-ebook/dp/B07D99KJ6H/ref=sr_1_1?ie=UTF8&qid=1540925029&sr=8-1&keywords=stacey+brown+randall

Generating Business Referrals Without Asking: A Simple Five Step Plan to a Referral Explosion

In this episode, we are joined by returning guest Jerry Auippa, Senior Account Executive at Longbridge Financial, LLC and Platinum Partner with the FPA® of New England. We discuss reverse mortgages: how they can be a tool, how much you can access, how they are calculated, and the role of credit through the process.

Website: https://longbridge-financial.com/

Contact: https://longbridge-financial.com/our-team/team-members/jerry-auippa/

LinkedIn: https://www.linkedin.com/in/jerry-auippa-crmp-a2b21952

Email: jauippa@longbridge-financial.com

Wealth psychology expert and author Kathleen Burns Kingsbury joins us to discuss her book, Breaking Money Silence®:
How to Shatter Money Taboos, Talk More Openly about Finances, and Live a Richer Life. She shares with us how we as financial planners can break money talk taboos, so we can build more profitable businesses, negotiate more confidently, and add value to our client relationships.

Website: https://www.breakingmoneysilence.com/financial-professionals/

Her Book: https://www.breakingmoneysilence.com/books/

Twitter: @KBKSpeaks

Jeff and Brad speak with Host, Speaker, Business Owner, and Brand Ambassador, Brittney Castro, CFP®.

Brittney discusses her path from Salsa dancing - to CFP® - and back again. She enlightens us as to how she drew corporations to seek her out versus needing to pitch herself to them. And she reveals why the onset of COVID didn’t change her business at all.

Brittney goes on to talk about her six-month Business Bootcamp designed to teach financial advisors how to build an online business that generates leads, and how to become a company spokesperson and obtain speaking gigs.

Listen to the end when Brittney divulges three things people don’t know about her.

Website: https://www.brittneycastrobb.com/

Meet Duncan MacPherson, author, coach, and speaker. Through his coaching firm, Pareto Systems, and books like “The Advisor Playbook”, Duncan helps advisors learn how to make their business serve their life. With great systems and ideas for marketing and referrals, there is something for all financial planners in this episode!

Website: https://paretosystems.com/

App: https://paretosystems.com/app.html

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

Zack Gould, Co-Founder of G&N Insurance, joins us to talk about his journey and their innovative approach to the P&C Insurance experience and how it has lead to their significant growth. He shares ideas to for financial planners to consider in dealing with clients, and some great marketing ideas that advisors can use!

We're joined by CFP Professional, Certified Divorce Financial Analyst, and Registered Life Planner Chris Chen from Insight Financial Strategists. He shares with us his journey from the technology field to working with financial planning clients at the intersection of divorce financial planning and retirement planning.

Website: https://insightfinancialstrategists.com/

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

Twitter: @financialtrivia

His Podcast: Divorce Friday

Email: Chris.Chen@InsightFinancialStrategists.com

Brad speaks with Author/Business Owner/Former NFL Player, Jed Collins, CFP®. Jed discusses his path from NFL to CFP®. He delves into how his eight-year career as a professional football player ignited his passion for teaching other athletes and students about personal finance. He reveals what Rookie camp taught him about finance and what he spent his entire first NFL paycheck on.

Jed goes on to talk about his book Your Money Vehicle (2020 Houndstooth Press) and subsequent Money Vehicle financial education program that he delivers to high schools and colleges across the country. He inspires us all with his ultimate vision and invites the financial planning community to jump on board and help.

Listen to the end when Jed divulges three things people don’t know about him and tries out a Boston accent.

Website: https://yourmoneyvehicle.com/

Preview of Entertainment HERE

Testimonials

Free DEMO: Use this LINK to sign up and enter this Coupon Code: USEMONEY

Book: https://www.amazon.com/Your-Money-Vehicle-Driving-Financial/dp/1544506287/ref=sr_1_1?adgrpid=1331509143546497&hvadid=83219536476734&hvbmt=be&hvdev=c&hvlocphy=51382&hvnetw=o&hvqmt=e&hvtargid=kwd-83219661652055%3Aloc-190&hydadcr=18883_13353354&keywords=your+money+vehicle+book&qid=1647624493&sr=8-1

Email: info@yourmoneyvehicle.com

Your Money Vehicle: How to Begin Driving to Financial Freedom!

In this episode, we're joined by Long-Term Care planning thought leader, Harley Gordon. Harley is the creator of the CLTC (Certified in Long-Term Care) designation, a founding member of NAELA (National Academy of Elder Law Attorneys), and author of the book The Conversation. He shares with us best practices in discussing Long-Term Care planning with our financial planning clients and their families.

Website: https://www.ieadvisors.net/

His Book: https://www.ieadvisors.net/the-book

LinkedIn: https://www.linkedin.com/in/harley-gordon-a7bb0710

Email: insuranceadvisorsedu@gmail.com

In this episode, we're joined by author and CNBC and Investment News journalist Deborah Nason. Deb shares with us how she finds sources for her personal finance articles, her thoughts on the financial advise industry, and why she wrote the book, "The People's Guide to Finding the Right Financial Advisor: Demystifying the Financial Advice Industry for Everyday People."

Deborah Nason's Contact:

Website: http://c4sb.com/

Her Book: https://www.findtherightfinancialadvisor.com/

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

Twitter: @dnason

Email: dnason@c4sb.com

We hear from wealth advisor and coach Abbey Henderson. Abbey is CEO of Abaris Financial Group in Concord, MA. You’ll hear about her journey from tax prep to financial advisor at an accounting firm to wealth advisor at a law firm to her own fee-based financial advisory practice. Over the years, her business has transformed into a financial life planning, coaching, and financial wellness practice.

Abbey Henderson's Contact:

Website: www.abarisfinancialgroup.com/team-members/abbey-henderson/

Email: abbey@abarisfinancialgroup.com

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

In this episode, we hear from racial equity professional and thought-leader, Cat Goughnour. She shares with us how her organization, Prosperity Now, advocates for people of color who've been adversely affected by the racial wealth divide. We'll learn about the opportunity the financial planning community has to help with racial equity and inequity.

Cat Goughnour's Contact:

Website: ProsperityNow.org

Email: CatGoughnour@gmail.com

C.Goughnour@prosperitynow.org

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

Author, teacher, CPA, and CFP® certificant Jeff Rattiner joins us to share his journey from public accounting to pioneering CFP® education training for the financial advisory profession. We’ll hear about how he started the 1st financial planning education program that qualified you to sit for the CFP Board Exam in under a year’s time, his thoughts on CFP Board education, and how COVID19 has affected the education experience. He also shares his thoughts on his new book, Rattiner’s Secrets of Financial Planning: From Running Your Practice to Optimizing Your Client's Experience.

Jeff Rattiner's Contact:

Website: www.JRFinancialgroup.com

Email: Jeff@JRFinancialgroup.com

Phone: (303) 522-8767

In this milestone 100th episode, Chris Boyd, CFP®, is joined by a returned guest, David McPherson, CFP®, of Four Ponds Financial Planning LLC, to talk about the year ahead with COVID implications shifting processes of client meetings, hiring, marketing and office space needs. They further explore client perceptions of recent market volatility, along with finding value in FPA membership.

David McPherson's Contact:

Website: https://fourpondsfinancial.com

Phone: (888) 285-7705

Twitter: @DavidMcPherson

Former FPA Chapter Presidents Donna Allard from Rhode Island and Kris Tower from Colorado share their thoughts on the OneFPA Advisory Council and how it facilitates better communication between the association and its members and how it provides macro strategic input from chapters to the Board of Directors on key issues impacting FPA and the profession of financial planning.

Donna Allard: DAllard@sowafinancial.com

https://www.sowafinancial.com/our-team

Kris Tower: KTower@americanportfolios.com

https://americanportfoliosdenver.com/team

In this episode, Vanessa Oligino joins us from Absolute Engagement. Vanessa shares with our listeners some practice management and communication tips to start the year off strong and how she and her team help advisory firms design and implement a meaningful voice in their client engagement strategy.

Contact through Website: https://absoluteengagement.com

For our last show of the year, Hannah Moore, CFP®, a 2021 FPA Heart of Financial Planning award recipient, shares her experiences creating the extraordinarily successful FPA Externship. Hannah tells the story of her career development, podcasting, and more. Website: guidingwealth.com Hannah's Contact Info: hannah@guidingwealth.com (214) 810-3835 https://www.linkedin.com/in/hannahmoorecfp/

This week, we are joined by 2021 FPA Heart of Financial Planning Award winner Laurie Dubchansky, CFP®. She's the owner and founder of Havaplan Financial, where she provides hourly and project-based financial planning services to help clients, regardless of their wealth accumulation needs. A career changer with a master's and experience in health care administration, she also volunteers by offering pro-bono financial planning to college students, the military, and the underprivileged.

Website: https://havaplanfinancial.com

Laurie's Contact Info:

laurie@havaplanfinancial.com

(949) 610-8975

https://www.linkedin.com/in/laurie-dubchansky-cfp%C2%AE-94305022/

In an effort to facilitate the development of community among newer advisors, NexGen was formed. This is a community of younger planners and career changers. Meet our guests, Kevin Clark, CFP®, CIMA®, EA, the NexGen 2022 President and national leader, along with FPA New England’s 2022 chapter committee leader and Director, Kayla Holland, CFP®. Throughout this episode, along with podcast host, Chris Boyd, CFP®, CASL®, CEPS, Kayla and Kevin inform listeners about the activities and opportunities for early advisors through the local and national resources of the FPA. Kayla Holland, CFP®: https://www.linkedin.com/in/kayla-holland-cfp®-031a0435 https://www.crestwoodadvisors.com/team/kayla-c-holland/ Kevin Clark, CFP®, CIMA®, EA: https://www.linkedin.com/in/krclark7 https://www.ameripriseadvisors.com/kevin.r.clark/

Author and retirement business consultant Marcia Mantell, RMA®, Boston Private Director of Financial Planning Kathleen Kenealy, CFP®, and FPA MA Director of Programming Andrew Cipro, CIMA®, join us to discuss the importance of Social Security knowledge in financial and retirement planning. We'll hear their thoughts on what financial planners should discuss with their clients around retirement planning and the upcoming FPA MA education series for financial advisors on Social Security planning and advice.

In this episode, we're joined by Boston Private's Chief Investment Officer Shannon Saccocia, CFA®, CIMA®. She shares with us her observations on how the COVID-19 pandemic has affected consumers and her asset allocation, and the impact of digital experience and technology on consumer behavior and how we invest. We also hear her thoughts on interest rates, inflation, and economic recovery.

This week, we chat with author, teacher, and financial planner Bonnie Kirchner, CFP®, MST about her personal and professional journey, ethics in Financial Services, and her passion for the Financial Planning profession. Bonnie shares with us how she persevered after finding out her ex-husband was the architect of a $32 million Ponzi scheme and how she's using that experience to educate her fellow financial planners. She's the author of Who Can you Trust with Your Money?: Get the Help You Need Now and Avoid Dishonest Advisors.

In this episode, we chat with marketing strategist and bestselling author of 12 books, including Fanocracy, The New Rules of Marketing & PR, and Marketing Lessons from the Grateful Dead, David Meerman Scott. David shares with us his thoughts on marketing no-no's, breaking down barriers with your prospects, building identity to become more than a product/service, and adding value before the sale.

#Marketing #RealTimeMarkeing #Sales #Value #FinancialPlanners #FinancialAdvisors #Connection #Community #Fanocracy

Host Chris Boyd, CFP®, is joined by Chris Woods, CFP®, founder of Lifepoint Financial Group, and chairman of the Diversity & Inclusion (D&I) committee for the Financial Planning Association. Chris shares his inclusive approach to leading the D&I committee, its composition, current & planned initiatives, the diverse knowledge circles, and much more. He manages the wide range of opinions and perspectives on D&I, and the importance of growing a diverse Financial Planning workforce.

Chris Woods - chris@lifepointfinancialgroup.com

https://connect.onefpa.org/volunteeropportunities/volunteer-opportunity-details?VolunteerOpportunityKey=55c1918d-2f91-4e3d-b943-85f414700652&returnurl=https%3A%2F%2Fconnect.onefpa.org%2Fvolunteeropportunities%2Fopportunities-list-public

In this week’s episode, we’re joined by Joan McGrath, Executive Director of Planned Lifetime Assistance Network (PLAN) of Massachusetts and Rhode Island. PLAN MA RI is a 501©(3) organization, which just celebrated its 50th anniversary of helping family members of individuals with special needs and disabled individuals themselves. Joan shares with us how they help their clients, not only with the legal and financial issues of special needs planning, but also the case of life management issues that individuals and families struggle to administer.

On this week’s episode, attorney Adam Minsky gives us an overview of the latest happenings around student loan cancellation, including eligibility and who benefits. We also hear from Paula Harris, financial advisor and author of Rise Up: A Widow’s Journal. She shares with us her work with widows and how she helps them navigate their journey after loss.

Paula Harris: LinkedIn - https://www.linkedin.com/company/wh-cornerstone-investments/ Twitter - https://twitter.com/WHCornerstone Facebook - https://www.facebook.com/WHCornerstone Instagram - https://www.instagram.com/whcornerstone/ Website - https://whcornerstone.com/ Adam Minsky: LinkedIn - https://www.linkedin.com/in/adam-s-minsky-6123ba22 Twitter - @AdamSMinsky Website - https://minsky-law.com/

FPA Northern New England board member Ben Flood joins us to share with us the new Wicked Tech Talks webinar series coming to FPA Massachusetts and FPA Northern New England. The quarterly series will focus on how financial advisors and planners can use technology to improve practice management and improve the client experience. Vendors, consultants, and practitioners will present and participate in the series.

Ross Klein and Vince Lorusso from Changebridge Capital join us to discuss the advantages of active ETFs vs. mutual funds, the use of Active Share in investment management, and the inefficiencies in the ESG ecosystem. You'll hear about a process to identify securities, utilizing both quantitative and fundamental research, that may complement your traditional portfolios.

Check out Changebridge social media: https://twitter.com/Changebridgecap https://twitter.com/RKleinCFA https://twitter.com/vml26 https://www.linkedin.com/company/changebridge-capital/?viewAsMember=true https://www.linkedin.com/in/ross-klein-cfa-1645a46/ https://www.linkedin.com/in/vince-lorusso-2a02805/

Hear from the leadership of one of FPA's largest chapters. Massachusetts President Inna Rivilis shares with us what they're doing to improve their value proposition to members and partners and how their chapter is delivering content, programs, and continuing education (CE). Chairman Brad Wright discusses board governance, including leadership transition and mentoring, and member benefits, including Wicked Cool Talks (WCT), member spotlight, and volunteer opportunities. President-Elect Shaun Erickson shares his vision for the upcoming year on how the Massachusetts chapter will survey members and continue to improve organization processes.

Wicked Cool Talks (WCT) is the FPA MA's upcoming virtual conference taking place September 29-October 1. For more information visit https://www.fpama.org/2021/08/wicked-cool-talks-virtual-september-29-october-1/

Client experience expert Julie Littlechild is our guest, and she shares with us best practices for gathering feedback from clients and her recent research on referral marketing. We discuss what has changed in the financial advisory profession as a result of COVID 19, including which of those changes are temporary vs. a permanent shift. You’ll gain insight on how to better engage prospects and clients and promote your business.

Psychologist and financial coach Dr. Dorian Mintzer joins us to discuss the changing landscape of retirement and how it’s no longer a destination, but more of a transition and journey. You’ll hear about the different pieces of the retirement puzzle, like finances, health, wellness, relationships, purpose, spirituality, and legacy, and how they fit together. Learn how to have deeper conversations with your clients and help them to live their retirement years, not by default, but by design.

Michael Townsend joins WPP to update listeners on what's happening in Washington, DC and how that may impact portfolios. Included in our discussion are: impending volatility around extending the Debt Ceiling, 2022 government budget & continuing resolutions, risk of government shut down, the Infrastructure bill, and what some might call "the kitchen sink" bill for everything else. Additionally, Mike shares his take on what's most likely to pass for tax policy changes. Whether about the SEC, ESG, or Crypto, Mike has insights about the legislative and regulator climate.

Returning to the podcast, Donna McKeon of Mortgage Network (http://www.mortgagesbydonna.com/) discusses residential mortgages. Starting with rates, the conversation turns to qualifications, cash out refinancing, first time home buyers, and some great tips regarding credit and strategies for this competitive real estate market. Join hosts Chris Boyd & Jeff Tomaneng for this Wicked Pissah Podcast.

Donna McKeon Mortgage Network, INC Corporate NMLS #2668 (781) 642-2016 - Office (781) 775-7172 - Cell (855) 289-4524 - E-fax dmckeown@mortgagenetwork.com www.MortgagesByDonna.com

For a review of their recent webinar presentation on the state of the Financial Planning Association, Skip Schweiss, FPA 2021 President, Dennis Moore, FPA President-Elect, and Patrick Mahoney, FPA CEO, return to WPP with this week’s hosts Chris Boyd & Jeff Tomaneng.

Patrick shares a great new member benefit, FPA Market Place, providing numerous outstanding discounts on programs and services for professional and personal use for members. Skip reminds members that Advocacy Day will occur virtually this year, and we discuss with Dennis some of the Advocacy challenges and priorities. Also, FPA Annual Conference is back in person Sept 22-24 in Columbus, OH (www.fpaannual.com).

After a pandemic year, declining membership, virtual meetings, next, time is spent reviewing the financial health of the organization. With 18,630 members, we discuss membership and investment priorities for the long-term health of the FPA to be a vital and growing professional resource. Skip Schweiss (2021 President):

Skip Schweiss:

Facebook: @skip.schweiss

LinkedIn: @skip-schweiss

Twitter: @SkipSchweiss

Dennis Moore (2021 President-Elect):

LinkedIn: @dennisjmoore

Twitter: @DennisJoeMoore

Patrick Mahoney, CEO:

LinkedIn: @mahoneypd

Twitter: @mahoneypd

Jeff Tomaneng (Former President):

FaceBook: Jeff N. Tomaneng

LinkedIn: @JeffreyTomaneng

Twitter: @TomanengJeff

Chris Boyd, CFP:

FB: @Asset-Management-Resources-LLC-127731740611374

Twitter: @SMoreChrisBoyd, @AssetMgmtRsrcs

LinkedIn: https://www.linkedin.com/in/j-christopher-boyd-cfp®-b932169

https://www.linkedin.com/company/asset-management-resources-llc/

Emily Shull of Me Myself and Money joins us this episode to share how Money Relationship Coaching can help financial planning clients get to the root of their money issues. We hear about irrational decisions, personal vows, conversation starters, and mental blocks regarding personal finance. Join us to hear how addressing emotions, values, and money history can lead to a better financial planning client experience and outcome.

Emily Shull, Behavioral Money Coach, MeMyselfandMoney

email: emily@memyselfandmoney.com
www.linkedin.com/in/emily-shull-memyselfandmoney/
FB: @memyselfmoney
FB business page: www.facebook.com/memyselfmoney
website: www.memyselfandmoney.com

In this episode, Tom Lester of Hines speaks with Jeff Tomaneng to share his thoughts and his outlook on commercial real estate. We'll hear about working from home and how it affects commercial office space, apartment homes, the hotel sector, and malls and retail real estate.

Tom Hines, Regional Director of Hines Securities, Inc.

linkedin.com/in/tom-lester-caia®-01b8725/

hinessecurities.com

This week, we welcome Steve Wershing, CFP® of The Client Driven Practice. Steve is the author of Stop Asking For Referrals & co-host of the Becoming Referable podcast. Learn how to build your brand and how it can help you grow your Financial Advisory business. Define your niche & clearly express their challenges.

Stephen Wershing, CFP®
President
The Client Driven Practice 160 Allens Creek Road, Suite 270 Rochester, NY 14618 585-381-2662
steve@theclientdrivenpractice.com
www.theclientdrivenpractice.com
www.linkedin.com/in/stephenwershing Twitter: @SWershing https://www.becomingreferable.com/

Board Chairs for both FPA Northern New England (Jami Bisson of People's United Advisors) and FPA Massachusetts (Brad Wright of Launch Financial Planning, LLC) share the big news as they announce the merging of the chapters. Jami and Brad share plans for the combined entity, logistical considerations, and invite members of both chapters to a webinar Q&A to learn more. You can also win a prize if you suggest a new name!

Chris Boyd & Jeff Tomaneng hear from Kim Furnald about the applications of insurance (no pun intended). As a life & health broker, Kim shares her story, and useful tips for how to overcome the tax consequences from the SECURE Act’s move from a lifetime stretch out to a 10-Year distribution requirement. She also discusses various techniques for mitigating the risks to one’s wealth from the costs of long-term care, including hybrid products. In addition, learn about FPA MA’s upcoming Wicked Good Talks virtual conference for 5 CFP CE’s … and a BIG announcement from FPA MA & FPA NNE.

For Kim's case study handouts - go to FPAMA.org/podcast/

Contact Info:

603.770.3714| furnald.kimberly@pennmutual.com

http://linkedin.com/in/kimberlyahrendtfurnald

This week, cohosts Chris Boyd and Jeff Tomaneng speak with guest Adam Kornegay of Pathfinder Advisor. Adam shares his thoughts on defining or redefining your ideal client, how to better connect with them, and how to create a better client experience.

Twitter: @PathfinderAdam

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

Websites:

www.pathfinderadvisor.com
www.pathfinderondemand.com

Cheryl Holland of Abacus Planning Group in Columbia, SC (https://www.abacusplanninggroup.com/cheryl-r-holland/) shares some ingredients of the success of herself and her company - people and process. From starting a financial planning firm to a $1.6B in AUM, Cheryl has cultivated success by putting clients and team members’ development at the heart of her organization. Hear about the importance of a culture of gratitude, contributing to community, and an eye for process.

Download materials at: https://www.fpama.org/podcast/

Marketing perspective and tips are shared by Marie Swift & Jonny Swift of Impact Communications. Social Media, websites, communications, and more. Learn the PESO marketing model and the 4C's of content marketing. Join hosts Chris Boyd and Jeff Tomaneng to bring depth to your marketing planning.

Join Impact Communications for an upcoming webinar on modern marketing methods for financial advisors, hosted by FPA MA, on 3/30/2021 @ 12 Noon ET by registering here.

https://www.impactcommunications.org/

https://www.linkedin.com/company/1202711/

https://www.facebook.com/ImpactCommunicationsInc

https://vimeo.com/impactproductionsgroup/

Email: info@impactcommunications.org

http://marieswift.com/

https://www.advisorthoughtleadersummit.com/

http://twitter.com/marieswift

http://twitter.com/JonnySwiftIC

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

http://linkedin.com/in/swiftjonny

FB: @FPAMASS

LinkedIn: @financial-planning-association-of-massachusetts

Twitter: @FPA_MA

FPA FB: @FinancialPlanningAssociation

FPA LinkedIn: @financial-planning-association

FPA Twitter: @fpassociation

AMR/Chris Boyd/Jeff Tomaneng:

FB: @Asset-Management-Resources-LLC-127731740611374

Twitter: @AssetMgmtRsrcs @SMoreChrisBoyd, @TomanengJeff

LinkedIn: https://www.linkedin.com/company/asset-management-resources-llc/

https://www.linkedin.com/in/j-christopher-boyd-cfp®-b932169

http://linkedin.com/in/jeffreytomaneng

Guest Steve Sanduski - author, coach, speaker & podcast host, Steve has had a career on the cutting edge and brought financial advisors along with great insights and counsel through his newsletters, services, and podcasts. Now he’s set his sights on Digital Money with his new podcast The Digital Money Advisor. Learn about Steve, his past successes, and the future as we discuss Crypto Currency.

Steve Sanduski:

LinkedIn: @stevesanduski
Twitter: @SteveSanduski
YouTube: https://www.youtube.com/channel/UCNzbnkL70J9HsKsQ77O2rnw

Podcasts:

The Digital Money Advisor,

Between Now and Success, &

Barron’s Advisor - Actionable Intelligence

Website: www.SteveSanduski.com

Email: info@belayadvisor.com

Chris:

FB: @Asset-Management-Resources-LLC-127731740611374
LinkedIn: https://www.linkedin.com/in/j-christopher-boyd-cfp®-b932169

https://www.linkedin.com/company/asset-management-resources-llc/

Twitter: @SMoreChrisBoyd, @AssetMgmtRsrcs
YouTube: https://www.youtube.com/user/AMRFinancial

https://www.youtube.com/channel/UCp8DurMiG2S8uJUReHRwvhg

Email: Chris@AMRfinancial.com

website: www.AMRfinancial.com

Jeff:

FB: @JeffTomanengFinancialPlanner
LinkedIn: @jeffreytomaneng
Twitter: @TomanengJeff

Social Security Expert Marcia Mantell shares a depth of insights about "What's the Deal with Social Security for Women". This content is for all. Marcia reviews the 4 Gaps women in particular tend to face and that planners need to know. She also explains several myths and common questions.

https://mantellretirementconsulting.com/

https://boomerretirementbriefs.com/

Damian Carroll of Capital Group, provider of American Funds, drops in to inform FPA MA members about the 4 part webinar series throughout the year, "Taxes, Transfers and Tea Leaves". From insights on prospective tax law changes, to the latest estate planning techniques, to year-end philanthropic planning ideas. Learn more at www.fpama.org.

https://www.capitalgroup.com/

FPA’s “participatory governance” has had one year with the establishment of the OneFPA Advisory Council. Byrke Sestok, CFP® & Kris Tower, CFP®, AIF®, the 2020 & 2021 Chairs of the OneFPA Advisory Council Executive Committee, respectively, share successes and plans of the AC.

https://www.financialplanningassociation.org/about/committees/workgroups

Byrke Sestok:

byrke.sestok@rightirementwp.com

https://www.rightirementwp.com

Facebook

@byrke.sestok, @rightirement

@FPAGHV

LinkedIn

@byrkesestok

Twitter

@byrkesestok, @rightirement_WP

@FPAGHV

Kris Tower:

ktower@americanportfoliosdenver.com

https://www.americanportfoliosdenver.com

Facebook

@kris.tower.3, @americanportfoliosdenver (?)

@FPAColorado

LinkedIn

@kristowercfp, @american-portfolios

Twitter

@DenverTower

Chris Boyd:

Chris@AMRfinancial.com

https://www.AMRfinancial.com

FB: @Asset-Management-Resources-LLC-127731740611374

Twitter: @SMoreChrisBoyd, @AssetMgmtRsrcs

LinkedIn: @j-christopher-boyd-cfp®-b932169, @asset-managment-resources-llc

FB: @FPAMASS

LinkedIn: @financial-planning-association-of-massachusetts

Twitter: @FPA_MA

FPA FB: @FinancialPlanningAssociation

FPA LinkedIn: @financial-planning-association

FPA Twitter: @fpassociation

Bill Harris RMA®, CFP®, author of “Inheriting Your Spouse’s IRA: The Widow’s Guide to Keeping More of Her Assets”, founder of WHCornerstone Investments (www.whcornerstone.com) and past president of the FPA MA, joins host Chris Boyd to discuss Bill’s new book. It is a resource for investors and advisors in considering challenging issues widows face in dealing with their IRA’s and is written in an accessible manner. Bill shares why he wrote the book, how he went about it (with tips for advisors considering writing a book for a relatively modest expense), how he is using the book in his practice & his marketing. Listen in to this practical discussion for insights in spouses inheriting IRAs and for marketing yourself as an expert.

https://www.amazon.com/Inheriting-Your-Spouses-IRA-Keeping/dp/B08N3JG27K/ref=sr_1_1_nodl?dchild=1&keywords=inheriting+your+spouses+ira&qid=1607692585&sr=8-1

info@whcornerstone.com

Inheriting Your Spouse's IRA: The Widow's Guide to Keeping More of Her Assets

Meet Lucia Reed, the Director of the chapter’s newly created Diversity Equity & Inclusion committee. Lucia shares her personal experience with focus on concerns for social justice, how she came to financial planning, concerns for the racial wealth gap, and the initial plans for the committee which seeks to coordinate priorities with the other chapter committees.

LinkedIn: @lucia-reed-32532750

Bob Powell is one busy individual. He is on the ground floor of a streaming financial channel, FinStream.TV. Some content he creates, but much is contributed by advisors for not only FinStream, but also The Street’s Retirement Daily, & Retirement Management Journal. Additionally, he hosts podcasts for the Investment & Wealth Institute’s “The Exceptional Advisor Podcast” & Callaway Climate Insights podcast. In addition, Bob is one of the founders of the Elder Planning Specialist program. Listen about great resources & opportunities with Bob Powell.

Elder Planning Specialist Program:

https://plan4lifenow.com/

finStream.tv:

www.finstream.tv (Also on Roku and Apple TV)

Retirement Management Journal: https://investmentsandwealth.org/publications/retirement-management-journal

Exceptional Advisor podcast: https://content.investmentsandwealth.org/investments-wealth-institute-podcasts

Callaway Climate Insight:

https://www.callawayclimateinsights.com/

Retirement Daily:

https://www.retirementdaily.net

Retirement Management Advisor:

https://investmentsandwealth.org/rma

Social Media

Twitter: @rjpiii

LinkedIn: @powellrobert

Get to know Stuart H. Armstrong, II, CFP®, a pioneer in financial planning within the LGBTQ+ community. Since the height of the AIDS epidemic in the mid-1980’s, Stuart has focused on serving the LGBTQ+ community and addressing their changing planning needs as society has recognized and accepted gay marriage. From his work with Pride Planners & other organizations, to the FPA Diversity Committee, to the FPA Board of Directors, and now the Center for Financial Planning, Stuart has been actively serving financial planners, the LGBTQ+ community, and his clients for more than thirty years.

This week the FPA announced the selection of a new CEO, Patrick Mahoney. In this podcast, we meet Patrick and 2021 FPA President-Elect, Dennis Moore, CFP®, MBA. Current FPA President, Martin Seay, PhD, CFP® also returns, as host Chris Boyd asks questions about the health and future of FPA. Opportunities and Challenges are discussed from financials to membership, from staffing at Denver’s HQ to the FPA “value proposition”. Listen in and get a glimpse of the future of FPA.

As we move to the end of 2020, it’s time to start thinking about Planning for 2021. Mike Byrnes of Byrnes Consulting and the FPA Coaches Corner returns to the podcast to help listeners consider how best to market their services in the months and year ahead. Discussed are use of video and social media marketing, digital advertising, webinars and in-person events, developing referral from clients, centers of influence, & more. Get ideas for how you plan for the coming year and right away.

Thinking of your business succession plan, or possibly wanting to coordinate something with your employer? In this podcast, which is a rebroadcast of a recent virtual meeting of the Cape Cod Practice Group, Michaela Herlihy of Beacon Financial Planning of Cape Cod, Inc. (https://www.beaconfinancialplanningcapecod.com/) shares her own experience in the purchase of her firm with help in the presentation from Atty. Jim Callahan (https://atkinscallahan.com/), who gave her counsel throughout the process. Get practical suggestions for consideration in your own planning.

FPA’s 2020 President-Elect, Skip Schweiss, shares insights into potential tax policy implications of a Biden administration. From Personal Tax Rates, Capital Gains, to Corporate Tax Rates and more. Skip discusses his observations as expressed in his article in Financial Planning Magazine (https://www.financial-planning.com/opinion/election-2020-financial-policy-implications-for-advisors-and-clients).

In a far ranging discussion, Karen Van Voorhis, CFP®, FPA MA’s Director of the Women’s Committee, discusses women’s issues in our industry. From the numbers of women in the profession to use of language in a gender-neutral setting to the benefits of small groups supporting one another. Karen Looks ahead to the future and shares some marketing tips.

Ron Carson, industry icon, shares his story and his insights for how advisors can succeed professionally and in life. Author of Proven In The Trenches: 11 Principles to Maximize Advisor Value and Transform Your Firm's Future, Ron shares insights about alignment of values and passion for service. Moved from being driven by scarcity to impact, Ron & the Carson Group have reached the industry’s heights. Identify the challenges advisors’ face in the years ahead and ingredients for solutions. Listen in for one of our best episodes.

Ron Carson is founder and CEO of Inc. 5000 firm Carson Group, a Barron’s Hall-of-Fame wealth advisor, one of Forbes’ top wealth advisors in America and New York Times bestselling author. The Carson Group serves financial advisors and investors through its businesses including Carson Wealth, Carson Coaching, and Carson Partners. Author of Tested in the Trenches, Avalanche, The Sustainable Edge: 15 Minutes a Week to a Richer Entrepreneurial Life, and now Proven In The Trenches, Ron shares from his experience to assist other advisors serve their client achieve their fullest potential.

Ronsense (mentioned): https://twitter.com/rchusker/status/1321812381866053635?s=21

Carson Blueprint Guide: https://www.carsongroup.com/blueprinting-guide/

Amazon’s CEO, Jeff Bezos interview at Economic Club of Washington (2018.09.13): https://www.youtube.com/watch?v=xv_vkA0jsyo

Ron Carson:

Twitter: https://twitter.com/rchusker

LinkedIn: https://www.linkedin.com/in/roncarson1/

Chris Boyd:

FB: https://www.facebook.com/Asset-Management-Resources-LLC-127731740611374

Twitter: @SMoreChrisBoyd, @AssetMgmtRsrcs

LinkedIn: https://www.linkedin.com/in/j-christopher-boyd-cfp®-b932169

https://www.linkedin.com/company/asset-management-resources-llc/

FPA of Massachusetts:

FB: @FPAMASS

Twitter: @FPA_MA

LinkedIn: @financial-planning-association-of-massachusetts

Financial Planning Association (FPA):

FPA FB: @FinancialPlanningAssociation

FPA Twitter: @fpassociation

FPA LinkedIn: @financial-planning-association

In this panel discussion, Chris Boyd & Inna Rivilis are joined by advisors who have actively engaged ESG investing for their clients. Discussion incorporates SRI, ESG, and Impact investing. Hear how our panel developed their approach, conduct their research, and what impact it has had on their business and how they differentiate themselves from others.

Panelists include: Catherine Valega, CFP®, CAIA, of Green Bee Advisory; Jason Lilly, CFP®, CFA®, of Cape Cod Five Cents Savings Bank's Wealth Management; and Lyman Jackson, CFP®, AIF®, of Financial Planning Solutions, LLC.

Fidelity and ESG Pro's Carin Stimolo shares insights into a helpful tool for advisors beginning to offer ESG investing for their clients. Take advantage of their fabulous discount before year-end.

Over the last year, these three advisors have made the decision to break out on their own to form independent Registered Investment Advisor firms. In this discussion, learn about factors contributing to their decision, their due diligence, business models, and how they have flourished in the midst of COVID. This episode will be of great interest to any advisors considering going independent.

LinkedIn: https://www.linkedin.com/in/jakenorthrup/ , Twitter: @eywealth , Facebook: https://www.facebook.com/experienceyourwealth

LinkedIn: https://www.linkedin.com/in/bradleyonair/ , Twitter: @BradleyOnAir , Facebook: https://www.facebook.com/bradleyonair

Facebook: @MacDonaldWealthManagementLLC or https://www.facebook.com/MacDonaldWealthManagementLLC

Facebook: @FinanciallyFitwithKatie or https://www.facebook.com/FinanciallyFitwithKatie

YouTube Channel: https://www.youtube.com/channel/UCutOIFrpO7XwUsp4Q0lFPsA

FPA Facebook: @FinancialPlanningAssociation

FPA Twitter: @fpassociation

FPA LinkedIn: @financial-planning-association

Facebook: https://www.facebook.com/Asset-Management-Resources-LLC-127731740611374

Twitter: @SMoreChrisBoyd, @AssetMgmtRsrcs

LinkedIn: https://www.linkedin.com/in/j-christopher-boyd-cfp®-b932169 ; https://www.linkedin.com/company/asset-management-resources-llc/

In this episode, we discuss some of the challenging questions clients are asking & some possible responses. Jason Lilly, CFA, CFP, the Senior Vice President and Chief Wealth Management Services Officer for Cape Cod Five Wealth Management joins host Chris Boyd to discuss questions about the Economy, Markets, Valuations, impact of COVID, & Impact of the Elections.

2019's FPA MA Financial Planner of the Year, Glenn Frank. Glenn tells about his professional experience culminating at Lexington Wealth Management. Glenn has taught at Bentley, helping to create their Masters of Personal Financial Planning program, while also building a successful financial planning practice. Throughout it all, Glenn has been helping clients, and advisors help clients, prioritize the use of time & money to focus on finding joy. With his new website, TimeMoneyAndJoy.com, which currently shares numerous useful linked resources, but soon will also share more on "The Encore Door", "The Giving Decision", and the "Hire an Advisor or Do It Yourself".

One of Glenn's initiatives is to help retirees leverage their talents to volunteer, work for, or donate to non-profits. The Encore Door, helps retirees continue to share their skills for causes about which they care and bring them greater fulfillment.

Learn more or attend an online class: https://lexingtoncommunityed.org/class/time-money-and-joy-in-the-new-normal/

Inna Rivilis, the 2020 FPA MA Presiden-Elect, joins host Chris Boyd to share priorities of the chapter and her vision for next year. Learn about Inna’s personal and professional journey leading her from Ukraine to US citizenship and to leadership of FPA MA.

Skip Schweiss, 2020 President-Elect of the Financial Planning Association discusses a variety of subjects: FPA CEO search, the custodian landscape, public policy issues facing planners & investors, 2020 election impact, why aren’t more advisors serving retirement plans, serving the underserved, his 2021 priorities & vision.

Hindsight may be 20-20, but no one would have had the foresight to know the challenges of 2020. This is especially true in marketing for financial advisors. In this episode, Dave McPherson & Misty Lynch join host Chris Boyd to share how they are marketing and the impact of the Coronavirus. From Podcast, Blogs, Videos, & Social Media, to Newsletters, COI’s and the tried and true, hear what’s working for these financial professionals. Members, share your thoughts on FPAConnect in the FPA MA community.

This week we focus on technology. First, Chris interviews Shaun Erickson (FPA MA Advocacy Director) & Dave Connolly, creators of Knudge, the new program for financial advisors. Learn about the inspiration and process of moving the program from concept to market.

Next, Sara Max joins the show to share about her recent Barron’s article, “Robo-Advisors Thrived Amid the Covid-19 Volatility. Here’s Barron’s Latest Robo Ranking”. Hear about the challenges Robo’s may yet pose for financial professionals.

Knudge demo - https://vimeo.com/445085920

Offer - mention Wicked Pissah Podcast and get 60 days free

Barron’s 2020.07.31 - “Robo-Advisors Thrived Amid the Covid-19 Volatility. Here’s Barron’s Latest Robo Ranking” https://www.barrons.com/articles/the-best-robo-advisors-for-2020-according-to-barrons-exclusive-ranking-51596243960?st=tozlm44pnplb67k

With the pending wave of an aging population, Bob Mauterstock and Annalee Kruger tell us about the new course curriculum they’ve devised intended to aid financial advisors to stand out and gain the expertise needed to become a leader in this new field of longevity planners. The Elder Planning Specialist program is the topic of this 50th episode. For those considering an area of specialty in working with older retirees, get ideas of the issues to consider as you develop your expertise.

Elder Planning Specialist curriculum topics include: Understanding the Aging Process, The Caregiver’s Role, Understanding the Old-Old, Legal Issues of Aging, Long Term Care and Long Term Care Insurance, Social Security and Medicare Planning, Diminished Capacity, Elder Abuse, End of Life Plans, Structuring and Conducting the Family Meeting, Developing a Marketing Plan, & Building an Elder Planning Team.

https://plan4lifenow.com/

Twitter: @rmauterstock, @AnnaleeKruge, @Plan4life_now,

@CareRightInc

Facebook: @robert.mauterstock, @annalee.kruger.3, @mauterstock, @carerightincorp

LinkedIn: @rmauterstock, @annaleekruger, @plan4life-llc,

@care-right-inc

From 529 Plan savings for young children to loans for college students, in this week’s episode host Chris Boyd speaks with Julie Shields-Rutyna, Dir. of College Planning at MEFA about all aspects of paying for college. Suitable for professionals or the public, this is content about college savings which can help.

In times of Coronavirus, will divorces increase due to more time together? Learn about the challenges and benefits of working with clients going through divorce. Our esteemed panel discusses how to approach the needs of those going through divorce in a holistic manner. Whether Collaborative law, mediation, or litigation, hear about the possibilities. Panel includes Gina Arons, Psy.D., Atty. David Kellem, & Chris Chen, CFP® CDFA. Kristin Beane co-hosts with Chris Boyd.

Chris Chen shares insights for financial professionals focusing their practice around clients going through divorce.

Gina Arons, Psy.D. (Psychologist, Collaborative Law Coach, Mediator), Lincoln, MA 781-259-3434 | ginaarons@gmail.com | www.drginaarons.com

Chris Chen, CFP® CDFA, Insight Financial Strategists, Newton, MA 781-489-3014 | bostonfinancialplanner@gmail.com | http://insightfinancialstrategists.com/

Atty. David Kellem – Divorce Attorney & Mediator, Hingham 781.304.4001 | dkellem@kellemlawgroup.com | https://www.kellemlawgroup.com/

As the Financial Planning Association of Massachusetts takes up questions of race, diversity, equity, and inclusion, we sit down with Rachel Goldman, presenter and facilitator for an event for members on August 5th. Learn more in this conversation co-hosted this week by Andy Cipro, FPA MA Membership Director, and host Chris Boyd.

Cory Christiana of Russell Investments joins host Chris Boyd as they discuss The Power of Going Virtual. In the midst of the pandemic, our industry has rapidly embraced virtual meetings, but will this become a permanent tool for the future? Learn suggestions for best practices and how to best plan your virtual meetings to connect, be efficient, and effective. Cory offers numerous great suggestions for advisor’s consideration.

With issues of race receiving increased attention, Malik Lee, CFP® joins the conversation. Malik shares his professional story, reveals challenges for African Americas in growing wealth, the need for greater representation of minorities in upper management & broadly in the world of Financial Planners. Important food for thought in considering issues of race and our profession.

Note: Check out the podcast referenced in this episode was by Rianka R. Dorsainvil, CFP® with Lazetta Rainey Braxton, CFP®: https://www.2050trailblazers.com/episode/s03e04

New York Times article mentioned:

https://www.nytimes.com/interactive/2020/06/19/opinion/politics/opportunity-gaps-race-inequality.html

Martin Seay, PhD, President of the Financial Planning Association, returns to the program to discuss recent criticism of the FPA and to confirm its value to members and the profession. Also discussed are recent changes announced by the CFP Board for more stringent background checks on certificants in an effort to respond to recent criticisms and in protection of the public. Martin also shares thoughts and insights surrounding the search for a new CEO of the FPA.

Kristin Beane acts as Executive Director of both the Financial Planning Association of Massachusetts and Northern New England chapters. As this week’s guest, Kristin shares the story of her experience with the chapter over the past 20 years: logistics, member service, continuing education credit application and posting, marketing, social media and more. Ultimately, it’s all about the members, relationships, & community, though, and the role of executive director is the glue that binds.

Learn about the 5 model documents in the new Toolkit for CFPs who are members of the FPA. Paul Brahim, CFP®, AIFA® and Rochelle Truzzi, CFP® share insights both into the new expectations of CFP's in their role as a fiduciary as enforcement nears at the end of June. Paul tells of the work & role of the FPA's Member Advocacy Council (MAC) in representing members interests in proposed CFP Board's & regulatory changes.

Members can access the Toolkit here:

https://www.financialplanningassociation.org/lead/advocacy/compliance-toolkit-new-cfp-standards

Join host Chris Boyd for an exceptional panel to discuss - Important Conversations. Consider various conversations to have with clients about their life’s legacy, wishes, and family communications. Panel members are Dr. Amy D’Aprix, Susan Turnbull, and Robert (Bob) Mauterstock.

Dr. Amy D’Aprix, Life Transition Expert - worked with large financial institutions throughout her career supporting the work of financial advisors and their clients.clients. Her new service for financial advisors, Trusted Advisors of Choice, launches in July. The accompanying Client Portal will launch in October. You can learn about both services at: www.DrAmy.Life

Susan Turnbull - is founder and Principal of Personal Legacy Advisors, LLC. She is a professional writer, speaker, workshop facilitator and an author. Among her publications of which advisors will want to particularly take note is “The Wealth of Your Life: A Step-By-Step Guide for Creating Your Ethical Will”. Find out more at www.PersonalLegacyAdvisors.com.

Bob Mauterstock - After a career as a financial planner, Bob was compelled to share the wealth of his experience by writing books, public speaking, and helping advisors build the skills they need to hold important conversations and plan appropriately for issues of retirement. Bob is a co-founder of Plan4LifeNow.com. Learn more about Bob’s work at www.GiftOfCommunication.com.

Always informative, Kurt Czarnowski, formerly Regional Communications Director for the Social Security Administration (SSA) in New England, now principal of Czarnowski Consulting, shares insights useful to all on decisions about Social Security. Hear his suggestions for those recently laid off but eligible for benefits.

As we celebrate Memorial Day weekend, join host Chris Boyd as he speaks with Dick Powers, CFP®, retired Army Colonel, to hear about his lifetime of service, both to our nation and our profession. After his military career, Dick helped create the chapter’s military pro bono program, served on the chapter board, served on the national board, and numerous committees including leading the newly formed OneFPA Resource Committee. Tune in!

Ben Lewis & Buffy Fletcher of the Financial Planning Association (FPA) join host Chris Boyd to share some of the great underutilized resources for FPA member practitioners ... from the Coaches Corner, massive Member Discounts on Insurance other services, & FPA MediaSource to Affinity Partnerships, the summer Externship program, the FPA Volatility Resource Center, and so much more! Learn how to maximize value from your association (without a single mention of CE)!

Recently, the CARES Act made provisions to help borrowers of student loans … but not all student loans qualify for these benefits. Atty. Adam Minsky joins us to explain. Lear more about student loans and what to do when borrowers can’t pay.

Also, Dave McPherson, Programming Director, tells about the upcoming (Virtual) Wicked Good Talks program.

Join us for the recent panel discussion on how advisors have been handling recent events and challenges - isolation policies, market volatility, client contact, marketing and more. Following the panel, outstanding advisor resources available from BMO Global Asset Management shared by Josh Gilbert. Panel members: Alyssa McNamara Reed, CFP® of McNamara Financial Services, Inc. in Marshfield, MA; Georgia Bruggeman CFP® of Meridian Financial Advisors, LLC in Holliston, MA; Gerald Loftin, JD, CFP® of Proficient Wealth Counselors, LLC in Norwood, MA; & Brian McGivern, CFP®, MBA, EA, Stonestreet Financial, Inc., Stoughton, MA.

Ellen Bruno, founder of Compliance Advisor Professionals, LLC, discusses compliance challenges facing advisors particularly now in the time of Coronavirus. Topics discussed include: managing confidential information securely with remote work, compliance considerations of taking PPP funds, Filing Deadline Extensions, SEC Exams during COVID-19, Annual Notice to clients, how to take a proctored Exams (i.e., Series 65) in an era of Social Distancing, Fee Disclosure in MA, and the new ADV Part 3 requirements.`

Today more than 34,000 have died from the Coronavirus in the US while more than 717,000 have been confirmed to have contracted the virus. If not now, when is a better time to think about your Continuity planning? If something happened to you, how would your business operate in your absence? What about your team members? Join Marcus Hagood of FP Transitions with a thoughtful discussion on the topic, to help advisors of all sizes consider their planning.

This week we enjoy one of our chapter’s many success stories. Marc Freedman of Freedman Financial shares his story and that of his firm. With great candor and detail, Marc shares insights into their financial planning approach, marketing techniques, and team composition. Hear how they have handled communications during market declines and the Coronavirus. Also, Chris and his AMR team share an overview of the CARES Act. Happy Easter & Passover to listeners.

In addition to insights into the help available through the Small Business Administration (SBA), we asked our partners for what resources they have available for our members. In this episode, hear from T. Rowe Price’s Karen Igler and portfolio strategist Matt Ko. Karen shares great advisor tools & links (see below), while Matt, who is a portfolio specialist with their multi-asset team in the Asset Allocation Group, provides insights and perspectives surrounding the Coronavirus Panic. Additionally, we hear from Donna McKeon (http://www.mortgagesbydonna.com/) of The Mortgage Network on mortgages & low rates, and Jerry Auippa (jauippa@longbridge-financial.com), Longbridge Financial, on how Reverse Mortgages can help clients in tough financial times.

T. Rowe Price - tools for advisors in the time of Coronavirus:

https://www.troweprice.com/financial-intermediary/us/en/insights/articles/2020/q1/market-volatility.html

Additionally, for 3 great articles of interest, “The Revenge of the Stock Pickers”, “U.S. Equities - Long-Term Benefits of The T. Rowe Price Strategic Investing Approach”, and “Time-tested and disciplined - The T. Rowe Price Strategic Investing Approach”, contact Karen.Igler@troweprice.com.

Vanguard Financial Advisor Services:

Kelly Orr of Vanguard Financial Advisor Services was not able to participate in the podcast, but did share this link for another abundance of useful resources: https://advisors.vanguard.com/investments/approach/tools-for-navigating-market-volatility. Request from Kelly the handy and useful “Market Volatility Slide Library” by emailing her: kelly_orr@vanguard.com.

Longbridge Financial, LLC - Reverse Mortgage in Coronavirus times Webinar:

https://attendee.gotowebinar.com/recording/2864459093597243394

In our new Coronavirus world of social distancing and isolation, host Chris Boyd speaks with Jen Goldman about staying connected with good habits and helpful tips to start off the show. Then, hear from both ends of the age spectrum. Fran Sellers (turning 90 today), one of the chapter’s oldest members, and Andrew John Borus, one of our youngest members share their stories. Enjoy a feel good story where we hear about the career of a vetran planner and the origins of another just starting out. At all stages, planners find benefit in the Financial Planning Association of Massachusetts.

Financial Planning Association President, Martin Seay, PhD, returns to the podcast to share what resources the FPA is providing for advisors in response to the developing challenges brought on by the Coronavirus. Listen in the conversation as Martin tells about the online community "Navigating Market Turbulence Related to the Coronavirus", a Volatility Resource Center, helpful resources for chapter leaders and chapter executives, and current thinking on future national events coming in May and June.

Also, below, find the link to the detailed correspondence to members with helpful links to these useful resources:

https://fpa.informz.net/informzdataservice/onlineversion/ind/bWFpbGluZ2luc3RhbmNlaWQ9Nzg0MTY5MCZzdWJzY3JpYmVyaWQ9ODI0Mjg3NDM5

Over the past 2 weeks or so the Coronavirus outbreak has captured the attention of the U.S. population and investors, specifically. David McPherson, FPA MA Programming Director and owner of Four Ponds Financial joins host Chris Boyd in discussing how they are attempting to add value to their clients and be proactive in communication. Listen to this discussion and consider what you might do at an important time for your client relationships.

FPA MA Partners’ Resources for Advisors:

https://www.troweprice.com/financial-intermediary/us/en/home.html

https://advisors.vanguard.com/insights/series/investor-insights

FPA Connect - Coronavirus Community:

http://fpa.informz.net/z/cjUucD9taT03ODM0NDQ1JnA9MSZ1PTgyNDMyODQ4OSZsaT02Mzc0MTkyNQ/index.html

David & Chris - sample client correspondence:

https://fourpondsfinancial.com/fourponds-blog/the-coronavirus-the-market-and-your-portfolio

https://us5.campaign-archive.com/?e=&u=2e0d1f7b7a265bc87e28f7f53&id=ff4e291aef

Join host Chris Boyd, CFP® as he interviews Frank Pare’, CFP®. Frank is the immediate past chair of the national Financial Planning Association and now the Chairman of the FPA PAC. Learn about the importance of having a strong political action committee advocating for you in the financial planning profession. In a time of heightened political awareness, be tuned in to how the FPA PAC is making a difference for our profession.

Guest estate planning attorney, F. Keats Boyd, III, brother of host Chris Boyd and owner of the law firm, Boyd & Boyd, PC, reviews key provisions of the new #SECUREAct and its impact for retirement accounts. Keats shares greater detail on the estate planning implications and opportunities raised by the passage of this new legislation. Topics include: pass-through trusts vs conduit trusts, charitable trusts, ILITs, Spray Trusts, and Family Banks. Also discussed are the benefits of Roth Conversions before income tax rates rise in 2026.

Mike Byrnes of Byrnes Consulting shares numerous ideas with host Chris Boyd on how to improve your marketing to be a more effective financial advisor. Topics include:

Position yourself for more referrals
Enhancing trust with clients
Improving communication while benefiting from technology rather than worrying about it undermining your business
Marketing for inorganic growth - positioning for recruiting
Personalized video emails
Event marketing through collaboration

Guest Michael DeJoseph of Vanguard Group joins the conversation and shares ideas including the importance of active listening for the client experience and referrals.

Revisiting the Advisor Alpha study and reminding advisors of the 3-P’s. Keeping clients focused first on the “why” & the planning can help keep clients on track and advisors’ business progressing in the face of financial industry disruption. It’s all about the relationship & behavioral coaching.

Meredith Jones is an alternative investment consultant and an award winning author of Women of The Street: Why Female Money Managers Generate Higher Returns (And How You Can Too). With her whit and insight, Meredith shares with our audience lessons about the virtues of the “diversity dividend”.

At the recent Wicked Cool Talks, Brad Wright (FPA MA chapter 2020 President) and Brendan Malloy (Public Relations/Marketing Director) discuss the virtues of the media training program offered. Among the benefits are access for CFP members to various media inquiries daily. Additionally, hear from our panel of media experts (Bob Powell - The Street, Scott Van Voorhis - Freelance Journalist, Daniel Miller - Anchor, Fox 25 News) on the do’s and don’ts when interacting with media.

“Boosting Your Media Visibility”, an interactive media training presentation was conducted by Brad Wright, FPA MA’s 2020 President and former TV/radio host. The training provided FPA members the necessary skills and tactics for working with the media. This training is required for any CFP® member who wishes to be part of FPA MediaSource – the automated media query platform that sends media requests right to your inbox!

Out with the old and in with the new! As we transition into a New Year and new decade, Financial Planning Association of Massachusetts chapter leaders, Jeff Tomaneng (2019 President), Brad Wright (2020 President), and Kristin Beane (Executive Director) reflect on 2019 successes and plans for 2020. Learn about various chapter resources, committee activities, and so many ways to gain from your FPA membership in the year(s) ahead.

Year-end and the start of a new year bring great opportunities to plan for the future. Vanessa Oligino, Director of Business Performance Solutions at TD Ameritrade Institutional, shares great insights for business planning. Whether conceiving of the vision or measuring your success relative to peers, Vanessa shares numerous thoughts on how to approach your planning for the year ahead. Whether you are an advisor on your own, in a small firm, or a member of a large firm, glean some great takeaways for your growth for the year ahead!

Guest Karen Ireland of MFS joins Programming Director, David McPherson & host Chris Boyd to share ways to talk about Social Security. “Maximizing benefits” is better than “delaying benefits”. Help your clients think about their Social Security & retirement decisions in the right context.

Meet leaders of the two key committees of FPA MA, the Membership & Public Relations Committees. Brandan Maloy shares insights into the dual role of the PR committee which both promotes chapter & committee events, as well as markets FPA MA to prospective members. The opportunities provided by media training are also explained. Inna Rivilis, the current Director of Membership and the 2020 President-Elect, along with Andy Cipro (who will replace Inna as Membership Director in 2020), discuss the activities, priorities, and challenges of their committee.

In this Veterans’ Day special podcast,hear about some of the great work of FPA MA members in support of our veterans and active duty military families, as well as other Pro Bono efforts of our Community Outreach Committee. This committee also helps patients dealing with financial challenges while undergoing cancer treatment at Dana Farber, and other programs that serve low income families.

Host Chris Boyd, CFP® is joined by Community Outreach Director David Santoro, CFP®, MBA, Jonathan Harrington CFP®, MSFP, MST, & Brendan Sheehan, MSFP, CFP® to discuss the military Pro Bono programs and more. Later, John Cooney, EA, MBA provides an update on recent changes in the Thrift Savings Plan (TSP) impacting both military and government employees.

You know her as the host of the podcast, "You're A Financial Planner, Now What?", but Hannah Moore has been up to so much more. Hear a little bit about Hannah's successes beyond her podcast. Additionally, after discussing the value of FPA, Hannah shares insights into some of the great innovations she's been helping the FPA develop and promote. Learn more about the "FPA Activate" Facebook community, the Next Generation Planner NGP app, the NexGen Gathering Conference, Focus Communities, and more.

Listen and share your feedback about what content would interest you? Visit our podcast page: http://www.wickedpissahpodcast.libsyn.com/

Host Chris Boyd interviews Evelyn Zohlen (FPA 2019 President) & Martin Seay (FPA 2020 President) for an update on the OneFPA Network. They discuss the start of "participatory governance" with the birth of the OneFPA Advisory Council, & insights into the goals of the Chapter Beta Test process. They share insights into how members will have a greater role and benefit from key committees in the national organization. Also, how they seek to improve collaboration between chapters and all constituencies and the national board. Chris asks about recent controversy regarding the new board and plans to increase membership. Listen in to a wide ranging conversation on the future of the FPA.

For specifics about their conversation, see below:

0:00 - Introductions - Meet Evelyn Zohlen (FPA 2019 President) & Martin Saey (FPA 2020 President)
7:00 - Intro to "OneFPA Network" - Evelyn
13:00 - OneFPA Network - 86 Communities - Martin
17:45 - Beta Test & Participatory Governance -
21:40 - Board of Directors - still in control
22:50 - Importance of Committee Representation
25:20 - future of "mandatory disincorporation" & association finances
28:30 - OneFPA Resource Committee
32:00 - Association Management Training for Chapter Executives
34:00 - Technology
39:00 - KPI's (OneFPANetwork.org, page 12 https://728404f8-e79f-4bae-bccf-ee8c4270eaf7.filesusr.com/ugd/fdfb7d_9296aad2fa1b44169662f4b5655ca0fe.pdf)
43:30 - Inclusivity: changing culture from Chapter vs National
46:00 - new board of directors controversy
53:45 - Membership growth critique
60:42 - Beta Test timeline, future implementations, concluding remarks

Join Jennifer Moran, Director of the Career Development Committee, & Jamie Ebersole as they describe the efforts of the Career Development Committee of the FPA MA to meet the needs of new planners, career changer, & prospective planners. Learn details about the newly reconstituted Mentor Match program - who it's for, how to join, what will be the benefits. If you are a newer advisor who would value insights from others on prospective career tracks, business development, or simply how to address some of the challenges you face, this could be a great opportunity for you, included with your FPA MA membership. If you're an experienced advisor with advice to share, be a mentor. Learn more about the program!

Join Jennifer Moran, Director of the Career Development Committee, & Jamie Ebersole as they describe the efforts of the Career Development Committee of the FPA MA to meet the needs of new planners, career changer, & prospective planners. Learn details about the newly reconstituted Mentor Match program - who it's for, how to join, what will be the benefits. If you are a newer advisor who would value insights from others on prospective career tracks, business development, or simply how to address some of the challenges you face, this could be a great opportunity for you, included with your FPA MA membership. If you're an experienced advisor with advice to share, be a mentor. Learn more about the program!

FPA of Massachusetts partner, Blue Cross Blue Shield’s Peta Shephard shares details about the complementary educational presentation available to advisors' clients and the public in which attendees learn all about how Medicare works. In this conversation, Peta covers much of the content of the presentation, including overview of Medicare Parts A, B, & D, Medigap coverage, and Medicare Advantage Plans. Learn answers to your clients’ questions.

Financial Planning Association of Massachusetts' partner, The Mortgage Network's Donna B. McKeown join’s host & chapter Chairman Chris Boyd & Chapter President, Jeff Tomaneng to review current condition of the #MortgageMarket. They discuss best practices for advisors and clients when seeking a #mortgage or to #refinance. We discuss interest rates, when to lock in rates, advanced mortgage application, helpful do’s and don’t’s. Also, basics of mortgage qualification considerations such as: #credit, #equity & #debt-to-income-ratio.

Financial Planning Association of Massachusetts partner T. Rowe Price professionals, Karen Igler & Terry Davis, MBA, join the show to share insights into the merits of international exposure in client portfolio designs. Many investors are underweight International exposure, so is now the time to consider change? The discussion ranges from proper allocation for international, recent discounted valuations, & comparisons of developed vs. emerging markets. Join us for a content rich discussion for investing.

Host Chris Boyd speaks with John Ryan of Ryan Insurance Strategy Consultants about the new group health plan available to FPA members looking to cover their company's needs. John reviews details about the plan, how it works, and various features. He also briefly reviews a variety of other group insurance benefits available to FPA members.

https://www.onefpa.org/Membership/Pages/GroupInsurance.aspx

Join host Chris Boyd, CFP for a discussion on happenings within the chapter. Jake Northrup, CFP®, CFA, Director of NexGen for FPA MA, shares details about the NexGen's signature events. Hear a little bit about the event that the FPA of MA NexGen and Women’s Committees have teamed up to host which is an exciting event with a focused theme of “Career Transitions” on September 24th. David McPherson, CFP® shares insights into the Fall's "Wicked Cool Talks" on Nov. 1st, as well as future plans and Practice Groups. Get more info at: https://www.fpama.org. Finally, Kelly Orr, FPA NNE Membership Director, stops by to share how things are going with FPA NNE and collaborations with FPA MA.

Mike Byrnes, national speaker, President, Byrnes Consulting, LLC and part of the Financial Planning Association’s Coaches Corner, is interviewed by Chris Boyd, Chair of the FPA of MA board of directors, on this episode of the FPA of Massachusetts’ Wicked Pissah Podcast.

Here are some of the highlights of the conversation between Chris and Mike that took place July 31, 2019:

5:32 What is your business? Mike gave a brief overview of how Byrnes Consulting helps financial planners.
5:51 What is the FPA’s Coaches Corner? Mike mentioned how he helps with “Business Growth Strategies.”
11:54 What have you done so far for the Coaches Corner? Mike talked about his ‘infotainment’ videos, articles, worksheets and some new projects currently being developed for financial planners.
18:41 Should videos be professionally done? Mike talked about creating a personal brand, including videos, photos, LinkedIn profiles and more.
25:10 What are some growth strategies? Mike discussed what he coined the ‘Fist of Growth,’ with five areas where advisors can be growing.
30:30 What about business plans? Mike explained the power of business planning.
32:50 How to do better with strategic alliances? Mike shared multiple best practices to get more business from other professionals, companies, etc.
41:04 What about client referrals? Mike talked about how to get more from clients that are already advocates, including some best practices around event marketing.

Find Mike’s FPA Coaches Corner page: Log in at www.onefpa.org. Click on “Coaches Corner” in the blue menu at the top of the page. Then on that page click on Business Growth Strategies.

Learn more about Byrnes Consulting and contact Mike directly: http://byrnesconsulting.com/

To learn more about the Financial Planning Association of Massachusetts visit: http://www.FPAMA.org

In this episode, enjoy a thoughtful discussion with Dan Candura about the arc of his career. We discuss changes impacting CFPs, the ethics of varying compensation models, and the challenges of advisor rankings. Are we measuring success the right way? From Dan's personal efforts to lead by example in his professional ethics in addition to teaching for CE. Dan shares his professional journey, the results of "doing the right thing" in the face of revealing his health concerns, and insights for all advisors.

David Brown, professor of Finance at the University of Arizona, presents "Tax Uncertainty and Retirement Savings Diversification". He suggests that investors may be benefited by diversifying not only investment types, but tax approaches. So, how much to approach the question of Roth vs Traditional contributions? Listen in and find out the answers to that & much more.

Hear from Shaun Erickson, the chapter's Advocacy Director about the Advocacy Committee's work and benefits. That leads to a discussion with Bill Harris, chapter Past-President (2017) about his proposed legislation to permit IRA contributions to be eligible for a tax deduction in Massachusetts. State Representative, Matt Muratore, (1st Plymouth District) who is the legislator responsible for sponsoring the bill joins in to explain the legislative process for this promising bill. We wrap up with upcoming chapter events.

In this edition of the Wicked Pissah Podcast, we start with a conversation from chapter leaders discussing some of the often overlooked benefits of being a member of FPA MA. As much as we have been showcasing the continuing education benefits of our programs, this discussion shares other great features that can help members.

Longbridge Financial's Jerry Auippa discusses some of the features and benefits of reverse mortgages for clients and advisors. He shares how he and his team work with both advisors and clients. It's a great overview of the features and benefits of the Home Equity Conversion Mortgage (HECM) loans.

We wrap up with two conversations with members of a panel on aging - Richard Wallner, CFP & Joan Harris, Aging Life Care Professional. Both share interesting insights for advisors as to considerations and resources when dealing with aging clients who may have changing needs.

"Are you relevant in these changing times?" As we recognize the massive changes brought about by technological innovation and its impact on numerous other industries, Jag shares insights for advisors to consider when thinking about the impact on the future of financial planning and portfolio management. As advisors, not only do we need to be thinking about the potential impact of artificial intelligence and technological resources on the delivery of our own services, but also to help keep our clients ahead of the curve when thinking about their own professional viability. Listen in to a thought provoking discussion.

Karen Igler of T. Rowe Price provides a brief appearance, as well, to share some insights and developments for how FPA MA members can take advantage of some of their great thought leadership and interesting insights in foreign investing.

"Your Brand Is You" was the topic of our discussion for this podcast with Kristine McManus, Chief Business Development Officer at COMMONWEALTH financial group. Learn practical and insightful tips for your own marketing efforts - from thinking about your website, social media engagement, and more. Kristine points to identifying your personal story with money as an integral part of your branding identity to share with clients. Whether you're in business for yourself or a part of a larger firm, she shares insights for all.

Tom Lester, Regional Director at Hines Securities stops by and shares some insights as to what's happening at Hines and how things have changed for alternative investments. Non-Traded REITs remain an uncorrelated asset class, but now can provide more liquidity offered monthly and be perpetual. Learn more ...

It's all about a happy life! Hear how Glenn Frank helps clients and encourages advisors to consider client happiness as part of what financial planning should really consider. Glenn gives some thought provoking questions and insights for advisors in the practice of Financial Planning. Karen Van Voorhis, FPA MA's Women's Initiative director, shares a little about all the great things happening uniquely for women planners in our area. Our FPA MA partners, Nationwide, review some of their great tools for advisors looking for low cost options when their clients have annuity assets or a need for guaranteed income. Join us!

Join us for our initial podcast, a production of the Financial Planning Association of Massachusetts. Host Chris Boyd speaks with Dave McPherson of Four Ponds Financial, current chapter Programming Director, about the upcoming "Wicked Good Talks" program with a great lineup of speakers (www.fpama.org). Next we hear from one of the key note speakers, economist Allison Schrager, about her new book, An Economist Walks Into A Brothel. In addition, we check-in with two of the chapter's long-time partners.