NAPFA Nation Podcast

In Episode #21 of NAPFA Nation, host Marie Swift interviews Britta Koepf, CFP®, ChSNC®, founder of Tranquil Path Financial Planning. The discussion begins with Koepf’s background and motivations for establishing her financial advisory practice, focusing on the unique challenges faced by families planning for the financial futures of both aging parents and their differently-abled children. Key topics include the importance of legacy planning, the use of special needs trusts and ABLE accounts, and the financial advisor’s role as an intermediary between clients and legal professionals. She also shares her retainer-based fee structure, which is based on the complexity of services rather than assets under management. Based on the training she received through the Alliance of Comprehensive Planners and adoption of the ACP methodology, Koepf says the tax-focused retainer-based approach creates a rich environment for meaningful support and more open conversations with clients. She emphasizes the importance of holistic planning that incorporates tax strategies, and she reflects on her career path while offering valuable advice for aspiring financial planners, highlighting the growing representation of women in the field. In a nutshell: Special needs financial challenges include planning for two retirements: parents and the special needs child     Legacy planning is crucial for special needs families Special needs trusts and ABLE accounts can be important tools    An ABLE account (Achieving a Better Life Experience) is a tax-advantaged savings account designed to help individuals and their families save for disability-related expenses without affecting their eligibility for government assistance programs Medicaid, Social Security benefits, and SSI (Supplemental Security Income, a program administered by the Social Security Administration for disabled people) are factors to consider Koepf acts as an “attorney translator” which improves outcomes between clients and lawyers    The retainer-based business model gives Koepf the ability to do fee calculation based on complexity, not just assets, and the flat fee encourages open communication with clients    Koepf’s journey from biomedical humanities to the financial planning profession serves as an example of how women can progress along a similar path A higher proportion of women offering holistic financial planning and advice is an idea embraced by Koepf and many others in the fee-only community Learn more about Koepf’s professional services and mission at www.TranquilFP.com. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

9/10/24 • 17:59

In Episode #20 of NAPFA Nation, Christine Simone, founder and CEO of healthcare software company Caribou, and host Marie Swift delve into the vital intersection of healthcare and financial planning. As they explore the significance of healthcare in financial strategies, especially during pivotal life events like retirement, divorce, and job changes, Simone emphasizes the need for advisors to be well-informed about health plan options and Medicare. The conversation highlights the complexities of Medicare, advocating for advisors to initiate discussions with clients at least a year before they reach 65. With a focus on enhancing advisors' educational resources, the episode also teases a resource to help advisors with crucial information for navigating healthcare options: the upcoming Survival Guide for Open Enrollment, set to launch in November. The discussion includes an introduction to Caribou’s healthcare planning software, designed to bridge the gap in comprehensive financial tools addressing healthcare costs. In a nutshell: The Medicare decision-making process can be complicated     Software can decision-making for health plan selection and Medicare options Retirement is a common life event where healthcare is discussed  Early retirement (before 65) poses challenges due to high insurance costs    Advisors need education on health plan options and Medicare  Holistic financial practitioners are now including additional aspects in financial plans    The latest T3/Inside Information survey shows growth in estate and tax planning software adoption    Beware the risks of outsourcing to insurance agents who may not present all options Learn more about Caribou’s mission and health care planning software at www.CaribouWealth.com. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

8/13/24 • 17:22

In Episode #19 of NAPFA Nation, Amy Irvine of Rooted Planning Group, shares with podcast host Marie Swift her journey in financial planning. From rebranding her firm, empowering women in financial planning, attracting male clients too, promoting pay equity and DEI within the firm, building client relationships, creating an ensemble of talented women professionals at Rooted Planning Group, and embracing NAPFA membership, Irvine has accomplished a lot in her financial services career. In a nutshell: Irvine encourages all team members and NAPFA members to complete NAPFA's DEI training and to promote their involvement in NAPFA activities    She explains the rationale behind rebranding from Irvine Wealth Planning Strategies to Rooted Planning Group and why she focuses on empowering women in financial planning Providing education and advice without requiring high assets under management – lives under care, not assets under management – has helped the firm attract clients Rooted Planning Group also attracts male clients who value the education and advice provided because men seek to set an example for their daughters or desire the educational approach of the firm Irvine discusses pay equity within her firm and transparency in salaries, as well as efforts to coach clients on achieving pay equity in their own careers Embracing DEI strengthens client relationships by addressing unconscious biases Learn more about Rooted Planning Group at https://www.RootedPG.com. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

7/9/24 • 33:06

In Episode #18 of NAPFA Nation, Jordan Dyson, Manager of Associate Development at Buckingham Wealth Partners, talks with podcast host Marie Swift about her involvement in DEI (Diversity, Equity, and Inclusion) initiatives. Dyson advocates for greater inclusion and representation in the financial planning profession through various roles at Buckingham, encompassing client service, operations, strategic initiatives, and her focus on learning and development programs. She stresses the importance of experiential learning, intellectual humility, and the link between employee development and inclusion initiatives. In a nutshell: Dyson talks about her community engagement and volunteer efforts, highlighting Buckingham's pro bono commitment and providing advice for authentic community involvement Buckingham’s equitable hiring practices, DEI Council, and Foundations for Belonging program, which is an experiential learning workshop that helps team members appreciate the differences in others, engage with their own unconscious bias, and create a dialogue in order to nurture a more inclusive environment, are noteworthy Dyson’s background, including her education and career journey, can serve as an inspiration for all advisors, especially younger next-generation leaders from underrepresented populations such as Dyson’s   Resources like Advisors Give Back, and the BLX Internship Program are mentioned (see previous NAPFA Nation podcast episodes to hear more about these meaningful programs) – in addition, Buckingham supports the Foundation for Financial Planning Learn more about Buckingham Wealth Partners at www.BuckinghamWealthPartners.com. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

6/11/24 • 26:34

In Episode #17 of NAPFA Nation, Mike Walther, founder and President of Oak Wealth Advisors, talks with podcast host Marie Swift about working as a financial planning team focused on assisting families with differently abled loved ones. Walther's experiences with his autistic brother inspired the firm's focus on specialized financial planning. Oak Wealth Advisors is recognized for addressing special needs challenges with benefits like supplemental Social Security income and Medicaid, and puts an emphasis on education and advocacy. The firm offers resources on ABLE accounts that promote independence for people with disabilities, collaborates with universities and nonprofits for awareness on special needs planning, and promotes inclusion by featuring artwork by individuals with different abilities. This artwork is incorporated into client communications, showcasing the firm's dedication to diversity, equity, and inclusion. Oak Wealth Advisors engages with organizations offering employment opportunities to empower individuals with disabilities, demonstrating commitment to DEIB principles. In a nutshell: The conversation highlighted societal shifts toward embracing neurodiversity and challenging stigmas related to different abilities Walther stressed the importance of recognizing diverse skill sets for innovation and inclusivity    He advocates for individuals, encompassing a wide spectrum of abilities, participating in NAPFA initiatives like DEI committees to raise awareness on disability inclusion within professional circles, and empowering families to make informed decisions Learn more about Oak Wealth Advisors at www.OakWealth.com. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

5/14/24 • 31:31

In Episode #16 of NAPFA Nation, Jeff Jones of Longview Financial Advisors, Abby Hasling of The Mather Group, and Stephen Fletcher of EVOadvisers, talk with podcast host Marie Swift about the many reasons they have volunteered their time and energy for NAPFA leadership roles over the years. The episode highlights the benefits of volunteerism and how it enhances leadership skills, facilitates networking and connections, and improves personal, professional, and firm outcomes. Jones discusses his journey of joining NAPFA, serving on the board for eight years, and the personal growth and networking opportunities he gained through volunteerism. Hasling shares her involvement in committees like the NAPFA Women's Initiative and emphasizes the positive impact of volunteer work on personal and professional development. Fletcher highlights how volunteering with NAPFA provided him with diverse perspectives, leadership opportunities, and significant career advancements. All three underscored the welcoming nature of NAPFA’s community and how saying yes to volunteer opportunities had positively impacted their lives. In a nutshell, you’ll hear: How to get started on the NAPFA volunteerism path Why it makes sense to be proactive and reach out to committee members for insights If there is ever “a wrong yes” in Starting the volunteer journey leads to personal growth, building connections, and overall association development. The speakers share valuable insights about volunteer activities within organizations like NAPFA for professional advancement and meaningful engagement in a supportive community. The trio collectively emphasize the benefits of volunteerism in NAPFA for personal and professional development. Learn more about Longview Financial Advisors at www.LongviewFA.com, The Mather Group at www.TheMatherGroup.com, and EVOadvisers at www.EVOadvisers.com. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

4/9/24 • 28:21

In Episode #15 of NAPFA Nation, Steve Doster, a senior wealth advisor at Rowling & Associates in San Diego, and Michelle Wilson, an independent fiduciary advisor with Athens Impact Socially Responsible Investments in rural Ohio, talk with podcast host Marie Swift about the formation of NAPFA Pride, an affinity group for LGBTQ+ members. Each shares their involvement and goals for the group. The episode highlights upcoming events like a happy hour at the NAPFA conference for members interested in joining NAPFA Pride. Beyond conference gatherings, NAPFA Pride also organizes webinars and conversation circles. They are always looking for committee members and volunteers to organize events. These two NAPFA Members also discuss their specialties in retirement planning, ESG investing, socially responsible investing, and supporting nontraditional families. Doster talks about his nomadic lifestyle living in an Airstream trailer to inspire clients to pursue their dreams without waiting. Wilson, who has even delivered a compelling TEDx talk on Money Scripts, talks about supporting nontraditional families and community initiatives that create a sense of purpose, including plans to open a nonprofit for credit counseling in the community. In a nutshell, you’ll hear about: How Wilson and Doster focus on being ethical and inclusive in their work as financial planners and fiduciary advisors Why they embrace socially responsible investing, diversity, nontraditional families and community work What makes them “tick” outside of their financial planning work with clients and financial education efforts within their communities Wilson believes you should live how you live, love who you love, and live out loud so others will know they are not alone – that that our lives can be a form of activism. Learn more at www.AthensImpact.com. Doster’s personal goal is to spread the word that everyone can get conflict-free financial advice without being sold expensive products. His firm, like Wilson’s, offers fiduciary, fee-only financial advice and wealth management. Learn more at www.Rowling.com. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

3/12/24 • 22:21

In Episode #14 of NAPFA Nation, David Flores Wilson, Managing Partner of fee-only wealth management and financial planning firm Sincerus Advisory, talks with podcast host Marie Swift about his experience representing his Guam in the 200-meter run at the 1996 Olympic Games in Atlanta, Georgia, and his involvement with the Lower East Side Girls Club and other non-profit organizations. To prepare for the Olympics, he took a gap year after high school, and split time between training in Australia and back in Guam with Coach Carl Cruz. He says he would not be where he is today without his family’s support, a great education, hard work, and a bit of luck/timing. He has a deep appreciation for the land and people that make the Chamorro culture so unique. Given his background, it’s no surprise that he enjoys traveling, reading, Brazilian Jiu-jitsu, yoga and snowboarding in his free time. Wilson discusses his professional credentials, including being a CFA® (Chartered Financial Analyst) and CFP® (Certified Financial Planner) professional, as well as earning designations such as AEP (Accredited Estate Planner) and CEPA (Certified Exit Planning Advisor), and how he specializes in working with business owners and entrepreneurs, providing comprehensive financial planning services. He also works with Gen X and Gen Y clients who are still accumulating wealth, providing pro-active life event and transitions planning (college financial planning, marriage, real estate purchases and sudden wealth). In terms of philanthropy, he encourages clients to be pursue purpose and to be proactive when it comes to giving back. In a nutshell, here’s what you’ll learn about: The collaborative approach that he and fellow Sincerus partner Dan Ryan took when merging their two independent financial planning firms  The commitment they have to building a firm that offers opportunities for the next generation Creating meaningful impact through financial planning  The pros and cons of using rating systems to evaluate charities and nonprofits based on one’s goals and passions  A NAPFA Member since 2018, David Flores Wilson, CFA, CFP®, AEP®, CEPA, was named by Investopedia as one of the Top 100 Financial Advisors in 2019 and 2020. His financial guidance has appeared on CNBC, Yahoo! Finance, the New York Times, US News & World Report, Kiplinger, and InvestmentNews. He sits on the Board of Directors as Treasurer for the Lower East Side Girls Club, and is active with the Entrepreneur Organization Accelerator Program, Estate Planning Council of New York City, Advisors in Philanthropy (AiP), and the Exit Planning Institute. Learn more at www.SincerusAdv.com. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

2/13/24 • 18:38

In Episode #13 of NAPFA Nation, Matt Iverson-Comelo Executive Director of the 501(c)(3) non-profit organization Advisers Give Back (AGB), and Lisa Niera, CFP®, a fee-only wealth advisor with Corient, talk with podcast host Marie Swift about giving back through pro bono financial planning. Launched in 2020, AGB’s scalable online platform matches pro bono clients with pro bono Certified Financial Planning (CFP®) professionals for ongoing, one-on-one advice that helps clients build wealth and achieve their financial goals. The program was developed with noted behavioral economist Dan Ariely. They discuss pro bono financial planning, and the benefits of giving back professionally. Niera shares experiences that she has had working with pro bono clients through the AGB platform. Impact metrics are provided. In a nutshell, here’s what you’ll learn: The story behind Advisers Give Back and the problems they are trying to solve Success stories from a pro bono planner and the response from her firm    How pro bono planning ties into DEI work    What's next for Advisers Give Back AGB has partnered with NAPFA to scale pro bono financial planning. The two organizations are on a mission to improve access to pro bono financial planning. With the goal of addressing the racial and gender wealth gaps, as well as the economic hardship brought on by the pandemic and other economic realities, AGB partners with organizations to reach underserved individuals. To learn more, visit: https://AdvisersGiveBack.org Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

1/9/24 • 25:01

In Episode #12 of NAPFA Nation, Dana Wilson, CEO of CHIP (Changing How Individuals Prosper) talks with podcast host Marie Swift about the benefits of building an inclusive workplace culture. CHIP is a B2B financial services marketplace that makes finding financial professionals of color easy. In this lively episode, they discuss the importance of cross mentorship and situational mentorship, emphasizing that mentorship doesn't always have to be formal. Wilson also highlights the significance of being open to feedback and being coachable in order to grow personally and professionally. The conversation shifts to CHIP’s partnership with NAPFA and their shared mission of supporting underrepresented professionals in the financial industry. They envision a future where diversity is embraced, wealth gaps are closed, and individuals feel empowered to define wealth on their own terms. Wilson a encourages listeners to get involved with CHIP by visiting their website or following them on social media platforms. In a nutshell: Wilson shares her journey in the financial services industry and her passion for diversity, equity, inclusion, and belonging. She emphasizes the importance of mentorship, breaking barriers in the financial industry, redefining words for empowerment, expanding wealth for communities of color, and empowering future leaders.    Building relationships and having conversations are key to personal and professional growth. It's important to connect with people who may not look or dress like you and find common interests. Flipping words and redefining them can empower individuals and build confidence. Empowering future leaders and understanding the next generation's perspective is crucial. Cross-mentorship can be valuable, and it's important to offer feedback and learn from others. Feedback should not always be assumed as negative and can be an opportunity for growth. CHIP’s mission expands beyond education to include the human capital component and understanding wealth in the context of family. Individuals can get involved with CHIP by signing up, creating a profile, and following them on social media platforms. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

12/12/23 • 25:46

In Episode #11 of NAPFA Nation, Zach Teutsch, managing partner at Values Added Financial, talks with podcast host Marie Swift about helping “progressives” build financial lives they feel good about. Established in 2017, his fiduciary financial planning and wealth management firm is passionate about supporting people who want to leverage their wealth to make an impact and live a joyful life.   Setting the right goals and aligning those goals with one’s values, he says, is the equivalent of setting the GPS for one’s life. The principals and staff at Values Added Financial do not shy away from being real and are known for demonstrating their own diverse and progressive values in the world. This authenticity sets the stage for attracting remarkable and diverse clients and for working in a high-trust environment.  The company also attracts and retains quality team members who share their values, freeing everyone to focus on more meaningful work and values/goals alignment. He is an active member of ACP (Alliance of Comprehensive Planners), XY Planning Network, and NAPFA (National Association of Personal Financial Advisors), three professional associations that provide methodologies, community, and resources for fiduciary financial planners.  In a nutshell:  Values Added Financial focuses on helping clients align their values with their financial goals. The firm has experienced significant growth over the past six years and has a team of six dedicated fiduciary advisors. They have found success by being open about their “progressive” values and attracting like-minded clients. Teutsch explains the firm’s business model, which includes assets under management (AUM) plus a sliding scale financial planning fee (retainer), but acknowledges that there is no perfect pricing model. He believes in hiring based on “culture add” rather than just interpersonal fit and uses an interview process that uncovers emotional intelligence and reflects the actual work involved. Teutsch talks about reasons for doing advanced work in shareholder advocacy and socially responsible investing and says that being upfront about values liberates the advisory team and empowers them to work on issues they care about, such as racial injustice and social safety nets. He emphasizes the importance of building a team that represents diversity and brings new perspective. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

11/14/23 • 39:56

In Episode #10 of NAPFA Nation, Irfan Bhabhrawala, Owner and Lead Financial Planner at Arbor Financial, talks with podcast host Marie Swift about his career transitions – from a university setting to technology and consulting roles, plus real estate investments, to ultimately becoming the owner of a fee-only financial planning firm based in Ann Arbor, Michigan. Bhabhrawala is proud to be part of the fiduciary movement in financial planning, which prioritizes giving honest advice with minimal conflicts of interest. He shares: Why he decided to leave lucrative career endeavors in other fields to become a commission-free, retainer-based, tax-focused, comprehensive financial advisor    How he used his transferable skills in his now chosen field of holistic financial planning and investment management How he became the owner of the financial planning business versus just staying on with a financial planning firm in a more traditional, salaried role In a nutshell: Bhabhrawala has been involved in financial planning for over 20 years and is passionate about understanding each client's unique situation. He joined Arbor Financial in 2014 and purchased the business in 2015. Prior to that, he had experience in mechanical engineering, real estate investment, management consulting, and university administration. The seed for his interest in financial planning was planted when he helped his parents with their finances and struggled to find a professional who aligned with his values of fee-only advice without commissions. He became interested in financial planning as a hobby and eventually took over Arbor Financial.      He is an active member of ACP (Alliance of Comprehensive Planners) and NAPFA (National Association of Personal Financial Advisors), which provide him with support, community, and resources for his practice. At Arbor Financial, Irfan focuses on holistic financial planning that includes tax preparation services since taxes are an important factor in clients' overall financial well-being. Bhabhrawala uses the ACP model for client compensation, focusing on factors like income and complexity. He prefers a flat rate annual fee and believes in being fair with fees. Real estate investments are discussed, with Bhabhrawala cautioning against too much risk, which could jeopardize an otherwise solid financial plan. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

10/10/23 • 22:18

In Episode #09 of NAPFA Nation, Mark Berg, Founding Principal of Timothy Financial Counsel, Inc., talks with podcast host Marie Swift about a new type of firm and a new potential audience for financial advice that is awaiting the financial planning profession. Berg, the Founding Principal of Timothy Financial Counsel, Inc., has proven how this business model can work for both financial advisors and clients – and says that it’s only a matter of time before we see much faster adoption. Berg shares key concepts from his book, A Matter of Time: Principles, Myths and Methods for the Hourly Financial Advisor, co-authored with Matthew Jackson, CFA®, including how financial advisors  can: Price, position, and deliver hourly advice Segment their client base and prospect for an entirely new clientele Develop a relationship-based approach and avoid a “transactional” mindset Harness the potential of time-tracking to create a stable foundation for growth Key points: Berg explains why he chose the hourly model for his firm after receiving calls from clients who didn’t fit the traditional models. He discusses the myths surrounding hourly financial planning and how his firm serves clients at different complexity levels. Berg shares the challenges he faced in building trust and convincing clients about his commitment to the hourly model. The firm has grown from Berg, as a sole practitioner, to a larger firm with multiple advisors. Understanding how they built their team, their hiring process, and the role of partners can provide insights into their success and scalability. Timothy Financial is a financial advisory firm that charges clients hourly for their services. They provide planning, advising, and second opinions to clients across different stages of life. Their value proposition includes validation, ideation, being a trusted thought partner, and serving as a family resource. The firm has experienced significant growth and now has 18 advisors on the team. The firm provides transparency in pricing and offers comprehensive financial planning rather than investment management alone. They assist clients with developing target asset allocations using low-cost ETFs and provide support during implementation. They have built their reputation through networking, referrals from other advisors in the industry, and involvement with organizations like NAPFA (National Association of Personal Financial Advisors). Being part of a professional community like NAPFA has been instrumental in their success and they highly value the support and collaboration it provides. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

9/12/23 • 28:06

In Episode #08 of NAPFA Nation, one of the founding members and first president of NAPFA, Gary Pittsford, talks with podcast host Marie Swift about his involvement with NAPFA over the past 40 years. He highlights the growth and influence of NAPFA in promoting fee-only financial advice and attracting clients who prefer a fiduciary standard. Pittsford also mentions the significant changes in technology and business models within the industry, and shares his transition from Castle Wealth Advisors, where he served as president and CEO for over 40 years, to assume the role of Chief Valuation Officer at Creative Planning, one of the largest industry leading Registered Investment Advisors (RIAs) in the country. Pittsford is glad to be a part of NAPFA’s 40th anniversary celebration and throughout the episode reflects on the growth and evolution of the financial planning profession. Pittsford shares: How the concept of fee-only financial advising has evolved over the past 40 years  Challenges faced in the early stages of NAPFA’s formation    Benefits of working with a fiduciary and how that mitigates conflicts of interest     Career path ideas for those interested in the financial planning profession     Heartfelt thanks for all of the NAPFA pioneers and those who continue to carry the torch today Key points: Consumers are, more and more, seeking independent financial advice from advisors who prioritize their needs rather than selling products. Pittsford provides tips for finding fee-only fiduciary advisors through organizations like NAPFA and emphasizes the importance of reducing expenses and risk for older individuals. Aspiring advisors are encouraged to join fee-only firms and consider this profession due to the ever-increasing demand for commission-free financial planning and investment services. He emphasizes how meaningful the work can be and the importance in helping clients with their finances. The financial planning profession is becoming more inclusive and diverse, with NAPFA leading the way in their diversity and inclusion initiatives. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

8/8/23 • 33:03

In Episode #07 of NAPFA Nation, Glenn Frank, author of the popular book Your Encore: Retirement Planning Guide - How to Balance Time, Money and Joy, discusses the importance of brain chemicals in happiness and suggests a daily practice called the "smiling starfish" to increase happiness per dollar and hour. He also shares his four key takeaways on happiness: daily progress, pleasure within limits, pride in work, and purpose. Frank shares: A decision matrix to help balance time, money, and happiness by categorizing activities as required or choice-based and whether they make you happy or not  Why intentional decision-making leads to better outcomes and greater overall happiness  How gratitude plays a role in having a great life  His concept of an encore – finding purpose after 50 instead of retiring – which he believes is crucial for successful retirement Key points: Many people mistakenly believe they are helping their parents by doing everything for them, but it often leads to unfulfillment. Seeking advice from parents can be beneficial and even those with disabilities can contribute. There are resources available for people over 50, such as free websites, organizations, and books. Church groups are good at providing support, especially for the sandwich generation. The COVID crisis caused many people to retire earlier than planned, creating an opportunity for financial advisors to help them navigate this transition. Philanthropic giving decisions require careful consideration of time and money, as well as motivation and impact per dollar or hour. Communication of family values is key when involving children in charitable giving decisions. The balance between supporting family and giving to charity is a common dilemma that needs to be addressed based on individual circumstances. It is important to plan both finances and schedules in retirement and find fulfilling ways to spend time through volunteering or working part-time. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org.

7/11/23 • 35:39

In Episode #06 of NAPFA Nation, Lydia Sheckels, CFP®, CLU®, ChFC®, of Wescott Financial Advisory Group, shares highlights from her career in financial services, including how she became fee-only financial planner, and why she decided to eventually join NAPFA and raise her hand for service/leadership roles within the fiduciary community that would come back to help her in unexpected ways. While she set out to simply be of service, the surprise to her was that she learned new things and became a better financial planning practitioner and leader within Wescott, the Registered Investment Advisor and wealth management firm that would eventually become her beloved career home base. Sheckels shares: How participating in the fee-only community helped shape her career and created a profound sense of purpose How fellow NAPFA pioneers such as Michael Joyce, Judy Lau, and Marjorie Fox – among others – lead the charge in NAPFA’s early days Why she is so encouraged by the fiduciary movement and the growth of commission-free wealth management and financial planning firms nationwide How established firms can help the next generation of financial planners as they eagerly seek to join the fiduciary community Key points: When Sheckles joined Wescott, it was “a tiny firm” and the term “fiduciary” was hardly used in financial planning circles. Today, Wescott is one of the larger wealth management firms in the fiduciary community and now the terms “fee-only” and “fiduciary” are used widely in financial planning circles, by personal financial journalists, and professors who are training up the next generation of financial planners, investment advisors, and wealth managers. In addition to the National Association of Personal Financial Advisors, the fiduciary standard is now the “mother standard” for an array of professional organizations such as Alliance of Comprehensive Planners, XY Planning Network, and the Garrett Planning Network. As NAPFA celebrates its 40th anniversary, this podcast with Sheckels is one you won’t want to miss. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

6/13/23 • 32:07

In Episode #05 of NAPFA Nation – livestreamed from the big podcast stage at the 2023 Morningstar Investment Conference in Chicago – Tara Unverzagt, CFP®, of South Bay Financial Partners tells us how she became fee-only financial planner, and why she decided to develop new access points for people who dread facing, or worse, are stressed and worried about financial decisions. Unverzagt has been working in financial planning, investment advice, and tax preparation for over 20 years. She specializes in multigenerational financial planning which includes raising a family, having a successful retirement, generation wealth transfer, and financial coaching for younger generations. But over the years she saw that there need to be more options to help people from all income and asset levels master the intimidating world of money, simplify confusing financial decisions, and manage expenses. Unverzagt shares: How and why she built an exclusive community of financial planners, financial therapists, accountants, students, parents, business owners, and others via an affordable solution that helps people live amazing, purpose-filled and financially stable lives  The differences between financial coaching, financial therapy, and financial planning    6 behaviors that if strengthened lead to better wealth accumulation      How certain money beliefs can work for us – or hold us back Ways technology can aid humans seeking to improve the decision-making process Key points: While we all need to be saving for a rainy day and investing for the future, it’s the day-to-day choices that will make or break us. Integrating financial therapy into financial planning helps people learn to relax and move forward in the most productive way. Listing her prices for the various services and programs offered at her firm shows potential clients that she is interested in helping them make better financial decisions – and a good first step is for them to know how much they are paying for the one-time service and/or ongoing interaction and support they need. Understanding how the brain is wired helps us see why people make the decisions they do. Intentional spending is possible with the right information, education, and mindset. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible.

5/9/23 • 28:46

In Episode #04 of NAPFA Nation, Katie Burke, CFP® and Bridget Grimes, CFP® talk with host Marie Swift about how they became fee-only financial planners with two independently owned and operated firms, plus how – and why – they came together to establish Equita Financial Network (EFN), an umbrella Registered Investment Advisor (RIA) for other women-led RIA firms. Grimes, who was once told by a male in her previous employer’s peer group that she was “too ambitious”, and Burke, who was looking for other like-minded women with whom to create synergies, found each other and built their own solution (EFN) because they couldn’t find it anywhere else. Today, the two are forging ahead, bridging the gap, for other women-led financial planning firms. Burke and Grimes tell us:     How they got started in the financial planning profession and why they are so passionate about helping other women be successful as independent financial advisors  What they are doing to combat pay disparity, lack of female role models, and how to overcome the confidence gap How to find the right mentors and professional communities  Why the DEIB movement matters – and how they are embracing it  Productivity “hacks” for any busy business owner Key points: As a profession, we need to help women feel valued and supported. Pay transparency, mentorship, role models, flexibility, community, and resources are needed. The financial services industry must do more than just talk the talk; more action is needed – including tangible resources and proven communities of support. Women in the financial advisory world can help by looking for ways to mentor or work alongside other women. Representation and visibility matters. Grit and ambition is needed as an independent business owner; seeing these great qualities, especially in a woman, is important. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

4/11/23 • 22:22

In Episode #03 of NAPFA Nation, Elizabeth Jetton, CFP®, shares thoughts on using mindful conversation to build trust and create engagement. Jetton has been a thought leader in the financial planning profession for the past 20 years. She has been in the financial services industry since 1981, a CFP® professional since 1991, and served as President of The Financial Planning Association in 2004. In 2010, she retired from her financial planning practice to focus on consulting to financial planning firms and teaching. Today she helps advisors and firms build thriving client-centered practices, processes, services and deliverables. She is on the faculty of Golden Gate University where she teaches Personal Financial Planning – a role she began in 2015. Jetton tells us: How she got started in the financial planning space and what she’s doing now as a part of her encore performance Why having a good mindset is an important part of a happy life and a successful career The most important thing for young planners to consider as they chart their career path How to change the conversation with women about money and finances to empower, educate and engage more effectively Key points: Model what’s possible. Sometimes life has its own agenda; the path is not always linear or clear. Just keep walking in the direction that feels right – and as you walk through what may feel like a foggy landscape, watch for and be open to serendipitous surprises. Keep showing up and consider that happenstance can be a good thing. As we move through the seasons of our careers, continue planting seeds; sometimes the seeds may look dormant and we don’t get to see anything but the roots are forming. Find authentic ways to express who you are in the world – and who you are for others. Do  your own work as a practitioner. Stay open, curious and humble. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

3/14/23 • 27:51

In Episode #02 of NAPFA Nation, we hear from Wendy Hartman, CFP®, President of Buckingham Strategic Wealth, a growing organization of advisors, financial specialists, and national thought leaders committed to delivering on the promise of true wealth management. As a Registered Investment Advisor, the essence of their approach is based on a pledge to act in the best interest of clients, including individuals, businesses, trusts, Non-Profit organizations, healthcare professionals, and retirement plans. Hartman is responsible for providing strategic leadership, in conjunction with the Buckingham’s Board and other firm leaders. After decades of working as a wealth advisor, she is proud to lead the firm as they continue to safeguard their clients’ lives. Hartman has enduring passion for the industry and recognizes that NAPFA’s role in the financial planning profession is to be a relentless advocate for the Fee-Only community through consumer awareness, education, and partnerships. She joined NAPFA in 2017 and is enthusiastic about her new role as a NAPFA Board member (Chair Elect for the 2022-2023 term). Hartman tells us: How she got started in this profession and why she is passionate about financial planning and the fiduciary standard What is important for financial advisory firms that are growing to think about as they build out their strategy and how Buckingham is approaching growth in 2023 How Buckingham’s strategic objectives stand on four pillars – and what the four pillars are The most important thing for young planners to consider as they chart their career path The key to success and how to set yourself apart in a noisy, digital world Why she is looking forward to transitioning to Board Chair for NAPFA Key point: Many of today’s leaders have adopted management thinker Peter Drucker’s “be (intelligently) curious” philosophy – and this approach is ever more relevant as the world increases in complexity. An article in the Harvard Business Review stresses the importance of being curious, saying: “Leaders don’t need to know everything. In fact, it’s an impossibility. Things change too rapidly for that.” Hartman, who says she tries to stay curious as she moves through life, agrees. She’s always been interested in math and numbers – and her mother was a great encourager of higher education. Golden nuggets from Hartman in the podcast: “Be a curious learner.” “Set yourself apart by bringing best-in-class thinking to your organization.” “Create an open canvas.” Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

2/14/23 • 27:00

In Episode #01 of NAPFA Nation, “Talent Pool: Advancing Diversity in the Financial Planning Profession,” we hear from Luis Rosa, CFP®, EA. Rosa came to the U.S. at age 11 from the Dominican Republic. Growing up in New York City, he noticed the lack of financial literacy in his community and was inspired by his parents to work hard and pursue an education. He founded Build a Better Financial Future LLC and is the host of the On My Way to Wealth podcast. In 2019, Rosa was named to the InvestmentNews “40 Under 40” list, Financial Advisor magazine’s “10 Young Advisors to Watch” list, and as Investopedia’s “Top 100 Advisors” list. From participating as an FPA NexGen Ambassador & Host, to speaking at the CFP Board’s Diversity Summit, Rosa uses his platform to help spread financial literacy as well as encourage younger and diverse planners to join and thrive in the industry. He joined NAPFA in May 2020. Rosa tells us: How he got started in this profession and why he made the business decisions he did Some of the biggest money mistakes he made when younger How learning about cultural competencies helped him to better serve his clients Why being an advocate for DEIB in financial planning is critical to the profession and the communities that advisors serve What advisors starting their DEIB journeys might consider Why he and three other co-founders established the BLX Internship program for aspiring Black and Latinx financial planners to obtain an internship at a fee-only financial planning firm Key point: The financial planning industry is woefully underrepresented from a diversity standpoint. In fact, 73% of Certified Financial Planners are white males. Rosa believes that in order to move the financial planning profession forward, the profession must be more representative of the population of our country. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible.

1/10/23 • 22:40

In Episode #32 of Mindset Mastery, “Emotional Intelligence: How to Improve and Use EQ in Everyday Life,” host Marie Swift, CEO of Impact Communications, recaps the 2022 episodes so that listeners who missed one of these fabulous conversations can get a few quick tips from her summary – and make a note to go back and listen to the episodes that call to them. She also talks about Emotional Intelligence – commonly referred to as EQ, which stands for “emotional quotient.” While IQ tests measure our ability to solve problems, use logic, and grasp or communicate complex ideas. EQ tests measure our ability to recognize emotion in ourselves and others, and to use that awareness to guide our decisions. In a nutshell: Life is full of ups and downs. Learning to deal with emotions creatively and employ our own intelligence in a beneficial way is one of the best things we can do to help ourselves and others. We are subject to a constant stream of positive and negative emotions, but what distinguishes us as human beings is that we are capable of positive change. We must practice emotional intelligence. Like any muscle, it can atrophy if not exercised. This episode provides helpful insights and tips on how the human brain is wired, how to listen and communicate more effectively, and how to make better decisions by working on our EQ – a measure that – unlike IQ – can be improved over time. To learn more about Marie Swift and her work in the financial services industry, visit www.MarieSwift.com. Special Note: In 2023, you’ll see a new album cover and series title! We will be shifting our monthly episodes a bit but will continue to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Join Marie Swift, Founder and CEO of Impact Communications, as she interviews a variety of NAPFA members and professionals. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

12/5/22 • 25:27

In Episode #31 of Mindset Mastery, "Choose Wisely: How Mindfulness and Attentive Listening Can Help You Make Better Decisions," host Marie Swift speaks with author, poet, and teacher Gary J. Boelhower, PhD. As Professor Emeritus at The College of St. Scholastica, he continues to teach health humanities; healthcare ethics; living, dying and grieving; and leadership and wholeness. In this episode of Mindset Mastery, he tells us how to become grounded when we are afraid, when to use open-ended questions and inquisitiveness to reduce polarization, and what the most critical skill is if you want to make live a more meaningful life filled with authentic leadership. In a nutshell: Stress can kill our ability to cope. Being fully present for ourselves and for others is the key to staying attentive, focused, and deeply aware. The 3 Dimensions of Awareness – focus, context, and self – come into play and can reduce the fractured feeling we experience in this digital, disrupted world. Appreciative inquiry (exploring the positive with a spark of curiosity) is the way to get more of what we want in life. And while we are approaching yearend, Thanksgiving, and the holidays, it is important to remember that an attitude of gratitude can and should be a yearlong mental practice. To learn more about leadership, mindfulness and the work of Dr. Boelhower, visit www.garyboelhower.com. 

11/7/22 • 23:25

In Episode #30 of Mindset Mastery, “Motivate Your Money: Using Conversations and Conscious Decision Making to Realize Success,” host Marie Swift, CEO of Impact Communications, speaks with book author and financial educator Mac Gardner, CFP. In addition to his book for adults, Motivate Your Money, Mac has created a book, coloring and worksheets, and a fun game for kids ages 7+ called 'The Four Money Bears: Berryville'. In this episode of Mindset Mastery, he talks about the five steps to financial success, how to motivate kids and others in our lives when it comes to money, and creating a good mindset as it relates to finances and life. In a nutshell: The 3-Rs can help us master our money mindset. First we must realize what money is, then we must recognize what money does, and finally we must rationalize how to use money in our lives. Having conversations with our kids and grandkids – and others in our lives who might need a little extra inspiration when it comes to money management and financial literacy – is one way to start the process of becoming a better saver, investor, spender, and giver. The motivational messages and stories we tell ourselves are key. After all, says Mac, at the end of the day, we are all just a collection of stories – so might as well make them good ones! To learn more about Mac’s work, the Money Mentors project, The Four Money Bears and Motivate Your Money books, and 'The Four Bears: Berryville' digital game, visit www.thefourmoneybears.com. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at www.NAPFA.org

10/3/22 • 27:02

In Episode #29 of Mindset Mastery, “Blessings In Disguise: Using Obstacles to Fuel Success,” host Marie Swift, CEO of Impact Communications, speaks with award-winning journalist Veronica Dagher. In addition to her work as a personal finance reporter for the Wall Street Journal, Dagher is the author of “Resilience: How 20 Ambitious Women Used Obstacles to Fuel Their Success,” an ebook published by the WSJ and exemplified through the WSJ podcast she created and hosted called “Secrets of Wealthy Women,” where she interviewed some of the most successful women in business, media and entertainment. In this episode of Mindset Mastery, she shares some of her favorite stories and lessons learned from those interviews and conversations. In a nutshell: Whether you are a celebrity navigating fame and fortune, an upwardly mobile professional, or a hardworking middle-class American, every one of us has the opportunity to harness the stress of life and to use the obstacles encountered to fuel success. For example, Shark Tank celebrity investor and real estate mogul Barbara Corcoran used grit and determination to overcome the challenges that came with dyslexia and a highly competitive business climate. Carla Harris, a gospel recording artist and Senior Client Advisor at Morgan Stanley, worked extra hard to earn a “seat at the table” and, in addition to her business success, was eventually appointed by President Barack Obama to chair the National Women’s Business Council. Dagher also shares her own coping mechanisms and says she tries to be as kind to herself as she is to others. To follow her work and read recent articles written by Dagher, visit www.wsj.com/news/author/veronica-dagher. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

9/6/22 • 19:32

In Episode #28 of Mindset Mastery, “Rising Stars: Three Fiduciary Planners Speak Up on Career Paths, Role Models and Mentorship,” host Marie Swift, CEO of Impact Communications, speaks with three women who have made fiduciary financial planning and investment management their profession. She is joined by Anabel Diaz, CFP®, MSFP of Natural Bridges Financial Advisors; Cassandra Kirby, CFP®, EA of Braun-Bostich & Associates; and Dani Parris-Exline, CFP®, AFC® of Peace of Mind Financial Planning. Cassie joined her firm 21 years ago and is now a senior advisor and partner. Dani, formerly an HR professional with 20+ years of experience, worked within large companies focused on healthcare, aeronautics, defense and cyberspace before joining her firm two years ago, where she is now a financial planner and partner. Anabel has been with her firm about six years and has worked her way into a client-facing, leadership position. In a nutshell: Each of these women joined an existing financial planning / wealth management firm to help founders build out the team, round out the succession plan, create capacity, and better serve the firm’s growing clientele. Leadership skills have been honed. Cross-mentoring methods are in place. Business models have been refined. They share all this and more in this episode, giving us an “inside look” at how career paths are being forged for others as the financial planning profession increasingly takes a DEIB stance. Diversity, equity, inclusion, and belonging (DEIB) are four concepts that work together to boost team dynamics, productivity, and innovation within an organization. With DEIB at the core of a company’s mission, team member have equal opportunities to feel valued and do their best work. Learn more about these fiduciary financial planners and their firms here: www.Braun-Bostich.com, www.NaturalBridgesFA.com, and www.PeaceOfMindFinancialPlanning.com. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

8/1/22 • 24:04

In Episode #27 of Mindset Mastery, “Financial Stress: Practical Solutions for Overcoming this Hidden Epidemic,” host Marie Swift, CEO of Impact Communications, speaks with Dr. Alex Melkumian, author of the recently released book, Financial Psychology: Restoring Financial Wellness in a Post-COVID Economy. A licensed Marriage and Family Therapist and founder of Financial Psychology Center in Los Angeles, he is devoted to helping clients improve their financial and mental health by uncovering patterns in their relationship with money that keep them stuck and suffering. In this episode, he provides ideas that can help reduce financial anxiety and improve financial wellness. In a nutshell: Financial psychology is the intersection of financial literacy, emotional awareness, financial beliefs, and cultural factors. Understanding how these factors interplay revitalizes emotional and financial health. You will learn how stress changes our brains, why it is important to demystify the label “stress,” how to silence your inner critic, create mental boundaries, and reclaim control. He explains how to use our emotions wisely and why a “worry session” can actually be a good idea. Learn more about Dr. Melkumian and his book, speeches, and therapeutic services here: www.FinancialPsychologyCenter.com. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

7/6/22 • 24:08

In Episode #26 of Mindset Mastery, “Mind Your Balance: Creating Effortless Success and True Happiness in Your Life,” host Marie Swift, CEO of Impact Communications, speaks with Dr. Travis Parry, author of the recently released book, Achieving Balance, and author of the forthcoming book, Balanced Growth. A former financial advisor, Dr. Parry holds a Doctorate in Family and Human Development, and a Masters in Psychology. He is focused on helping financial advisors – and other entrepreneurs who tend to be “functional workaholics” – achieve balance through the "Make Time Method." In a nutshell: You will learn what triggers fear and counterproductive behavior; how to steer yourself, your clients and your loved ones toward a more fulfilling and happy life; warning signs to consider and actions to protect critical well-being; how to create your ideal calendar and “risk manage your time.” Once we’ve gotten out of the most dangerous ruts and mastered the "Make Time Method," Dr. Parry says we can reinvest our newfound time and energy into balanced growth. It all hinges on using time correctly, in accordance with our personal goals, mission, and values. He even turns Maslow’s Hierarchy of Needs on its head. Learn more about Dr. Parry and his books, speeches, and training courses here: www.travisparry.com.   Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at www.napfa.org

6/6/22 • 32:50

In Episode #25 of Mindset Mastery, “Beyond DE&I: Inclusive Leadership and What It Means for Business Leaders Today,” guest host Geoffrey Brown, CEO of the National Association of Personal Financial Planners (NAPFA), speaks with Dr. James Pogue, an expert who focuses on helping business leaders understand unconscious bias. In this fascinating conversation, he weaves together funny anecdotes and riveting tales that encourage us to strengthen our own commitment to lead, drive change, and question the status quo. As it relates to Diversity, Inclusion & Bias, there are a few truths that Pogue says can help leaders lead better through the lens of culture and strategy. In a nutshell: You will learn what leaders should keep in mind as they guide their organizations through positive and long-lasting cultural change. When senior leadership takes ownership of a significant change in an organization, the change happens differently than when it is at the entry and managerial levels. Inclusive Leadership is a measurable skill that we can foster and practice. Pogue says we can do more than simply moving the needle; we can change the face and guts of our communities and our business organizations. Learn more about Dr. Pogue and his Inclusive Leadership research, services, and training courses here: www.jamespogue.com. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

5/2/22 • 26:28

In Episode #24 of Mindset Mastery, “Radical Relevance: Building Share of Mind with the Right People the Right Way”, host Marie Swift speaks with Bill Cates, a Hall of Fame speaker, author and coach who has helped thousands of financial professionals and firms to tap into exponential growth by focusing messaging, maximizing client engagement, and leveraging relationships. The founder of Referral Coach International and the creator of the Bill Cates Relationship Marketing System™, Cates provides a comprehensive and systematic approach to building a culture of sustained growth through communicating more relevant and compelling value, as well as generating referrals and personal introductions. In a nutshell: Are you frustrated by how hard it is to reach people these days? It’s not just in your head. The ubiquity of technology in today's society is leaving us more exposed than ever, causing what Bill Cates calls “marketing message overload.” Our brains are being bombarded and pulled in too many directions. To protect ourselves, we filter out any irrelevant messages. This makes it nearly impossible for well-meaning fiduciary advisors and other business professionals to break through and form a meaningful connection. In this podcast, Cates explains the neuroscience behind his formula for creating a culture of client-centered introductions, how to crate a critically compelling message, and what makes for an effective website. Learn more about Bill Cates and his latest book, Radical Relevance, here: www.thecatessystem.com/radical-relevance Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country’s leading professional association of Fee-Only financial advisors. Learn more about NAPFA at https://www.NAPFA.org

4/4/22 • 30:17