financial adviser

Scott was joined in studio by Cynthia Spigel, Owner and Consultant at Spigel Strategies & Solutions LLC to talk about growing and managing your team. Spigel Strategies & Solutions LLC is a coaching and consulting firm that has an emphasis on execution in institutionalizing your business, creating a distinctive client experience, and growing and managing your team. 

In this episode you will learn:

1. Create a collaborative & loyal culture
2. Define roles & future potential paths
3. Define & implement a base & incentive compensation structure
4. Empower ownership & develop leadership
5. How the 12-Week Year by Brian P. Morgan and Michael Lennington can help optimize your business and time management

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

Scott was joined virtually by Dr. Ben Sorensen, Founder and President of Sorensen Consulting. Dr. Ben Sorensen provides leadership training, sales training, and executive coaching to corporate and non-profit organizations around the world and across a wide spectrum of industries. Ben trains thousands of senior executives annually. During the past 20 years, Ben has become best known for his rich mix of corporate experience, non-profit work, and teaching ability. Ben focuses on teaching practical, proven skills while customizing all material to the specific needs of each client. Ben is also an Intelligence Officer in the Navy Reserves and is a Pastor in his community.

In this episode you will learn: 

1. All about Sorensen Consulting and the executive coaching and leadership development 
2. Behavioral Finance and how best to serve your clients
3. How to optimize our time and micro compartmentalizing 
4. Mindset techniques, managing stress and some of Ben's Navy tacts 

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

Scott was joined virtually by Matt Halloran, Co-Founder and CRO at ProudMouth. ProudMouth is the solution toone of the biggest obstacles professionals and companies face: the ability to consistently produce authentic and valuable content to power their content marketing strategy. Matt has hosted and been on over 1,000 podcast episodes. He’s also the host of ProudMouth podcast, the Top Advisor Marketing Podcast, where he shares marketing strategies tailored for advisors and connects with top industry leaders, and Be Your Own Loud, which features amazing people who’ve gained influence by being unapologetically themselves. 

In this episode you will learn: 

1. Matt’s Five ROI’s of Podcasting
2. How ProudMouth and the Pod Rocket Academy can help with marketing initiatives and launching a successful podcast
3. How Scott and Matt connect at the Riskalyze Conference with Females & Finance
4. Accelerate Your Influence by being an expert in your community

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

Show Title:What is True Financial Peace of Mind and How to Accomplish It

·         What is the purpose of setting goals?

·         What is the difference between “good” and “bad” goal setting?

·         How to think about the various parts of your life. 

·         How to evaluate your level of fulfillment in each area.

·         How to prioritize them and then set SMART Goals for each area. 

·         8 Actions you can take to improve your personal financial goals this year

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Scott was joined virtually by Conor Anderson, Partner and Head of Advisor Services. AdvisorAssist provides comprehensive turnkey solutions for both new and transitioning advisors as well as established registered investment advisor (RIA) firms. 

In this episode you will learn the following: 

1. Compliance industry updates
2. How AdvisorAssist acts as the advisor’s advisor
3. How to optimize and protect your business
4. Market trend and audits

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

Scott was joined in the studio by Nick Bernatowicz, Senior Sales Consultant at Producers Choice Network to discuss what you need to know to increase your Annuity sales in 2023.

In this episode, you will learn the following:  

1. How the Fed rates correlate to annuities and how to use that to increase sales.
2. From the Field: The best annuity products on the market today!
3. Insurance companies are growing and changing, and how that affects you, the producer.

Listen to their previous annuity update episode here: Ep. 56 - Annuities: Ken Fisher “hates them”…. should you? here

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For more on The Optimized Advisor Podcast click here  
For more on Producers Choice Network and the annuity products offered click here

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

**

This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

Scott Heinila was joined virtually by Brad Shepard, Regional Sales Director at One America and Brian Ott, Founder and CEO 525 Advisors to discuss Long-Term Care planning during LTC Awareness Month. In the episode they discussed the following:  

1. LTC Planning and facts
2. How to prepare families when their loved ones need LTC
3. Brad and Brian shared their personal stories dealing with LTC

Listen to their previous episodes here:  
Episode 002: The Single Largest Unfunded Risk Facing Retirees
Episode  026: Learn FromAn Optimized Advisor: Brian Ott, 525 Advisors

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Connect with Brian on LinkedIn

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For more on One America click here
For more on 525 Advisors click here
For more on the iLTCI Conference click here

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@mailpcwest.com

EPISODE NOTES

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

This week we celebrate the launch of Financial Planner Life – Fintech, where we showcase some of the most innovative technology that helps improves the Financial Planning experience for Financial Planners and their clients. 

 Sam Oakes is pleased to welcome back Ben Mason the CEO of Kinherit a Wills and Trust onto the podcast to talk about their one-of-a-kind online platform called The Kinvault that protects clients and their wealth, reduces stress for families upon the death of a family member and allows timely support from the client's Financial Adviser. 

 By 2027 it’s expected that wealth transfer will nearly double from the current levels of £69 billion to £115 billion every year, its common for Financial Advisers to find out about a client's death only after AUM has started to be withdrawn, Despite the financial adviser being treated in life as one of their clients most trusted advisers. 

 In this episode we cover:

•  Why The Kinvault and their industry-leading handover is revolutionising the way Financial Advisers hold on to and unearth new AUM opportunities.  
• Why the STEP qualification is so important in the will writing process. 
• The pain points financial advisers are experiencing during this process and how the Kinvault is reducing stress for everyone involved. 
• Why clients can seek comfort knowing their Financial Planner will support their loved ones and help them to manage the inherited money. 
• What can be stored in the Kinvault
•  Why white labeling the Kinvault offers a deeper level of trust.  

 If you would like to find out more about partnering with Kinherit then book a demo today, or message Sam@financialplannerlife.com directly for an introduction.  

Begin your financial planning career journey today

Whether you are looking to become a paraplanner, administrator, mortgage and protection adviser or financial planner, the Financial Planner Life Academy is for you. 

With limited entry-level job roles, giving yourself the best financial planning career education, will not only kick start your financial planning journey with relevant qualifications and skills, but it’ll also help you achieve success much faster.&nbs

Be sure to follow financial planner life on YouTube for extra content about a career within Financial Planning HIT THAT SUBSCRIBE BUTTON!

If you're looking to start your career in Financial Planning, check out the Financial Planner Life Academy here

Check out the 2023 Financial planning Salary Guide here.

Reach out to Sam@financialplannerlife.com in regards to sponsorship, partnerships, videography or career development.

Financial Detox is a platform to educate and clarify financial concepts that are so important to managing and preserving wealth.  Information in the financial space is ever-changing and ongoing knowledge is power when it comes to investing and managing a financial plan.  The team at Financial Detox is committed to helping individuals get better advice when it comes to their money. The world we live in today has lots of different ideas and opinions and there is conflicting information that can lead you to wrong decisions when managing your wealth.  FD has a fiduciary interest to help serve the investor NOT the advisor or company the advisor is working for. 

In today's episode, Alex and Jason discuss good tax planning and how critical it can be to an overall financial plan.   Also, why you should or shouldn't buy a fixed indexed annuity?  Listen to learn more!

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Financial Detox presents new micro learning series today with an explanation of the Fed and raising of interest rates.  Jason Labrum and Alex Klingensmith with IDA discuss the relationship of the raising Fed rates to the markets and what investors should consider for hedging against inflation.  

Let's talk about the FED.  Its very clear the our economy is in a "bear market" and these times will determine if you are successful investor or not.  The fed just raised the rate another 75 basis points yet the markets reacted by going up that particular day.   The reason the fed has raised rates is to  control inflation or slow inflation.  The US Economy has been in what is considered a  "easy monetary" policy since early 2000; lower rates, easy to borrow,  and the economy has been stimulated by these actions.  Then throw in COVD where the government flushed the economy with trillions of dollars into the system.  At the same time production of goods and supplies became limited therefore driving the costs of goods and services.  Listen to todays shows to hear what to expect and what investors can do. 

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As technological innovation continues to propel us into the future, it’s getting harder to stay human.

Especially when it comes to connecting with your clients and prospects.

Luckily, there’s hope thanks to the help of technology strategist and certified futurist, Crystal Washington.

Crystal works with organizations that want to leverage technology to increase profits and productivity. Working with companies including Google, Microsoft, GE, and others in the USA, Africa, and Europe.

In the episode, we chat about blending digital and real-world tactics to increase the value of your brand, simplifying the complex web of social media, and where the future of social media is headed

We Explore:

• Why “spying” on your clients and prospects can actually better your business.
• The key to mastering technology without feeling overwhelmed.
• Understanding how trends impact businesses across industries and how advisers can adapt in the long term.
• The key to showing up stronger and more often on Google and YouTube.
• Practical tips for using technology to build and maintain strong client connections without sacrificing the personal touch.
• How to use technology to influence your client pool to skyrocket referrals.
• And the one strategy Crystal wants you to steal to catapult your client relationships to raving fan status.

Links to Check Out:

• Crystal’s Website
• Connect on Twitter
• Connect on YouTube
• Crystal’s Book: One Tech Action: A Quick-and-Easy Guide to Getting Started Using Productivity Apps and Websites for Busy Professionals
• Crystal’s Second Book: The Social Media WHY: A Busy Professional's Practical Guide to Using Social Media Including LinkedIn, Facebook, Twitter, YouTube, Pinterest, Google+ A

This episode was brought to you by:  snappykraken.com helping advisers create meaningful connections that drive business.

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Data collection and automation is the key to building an efficient RIA. Nick Davis of Brindle & Bay Wealth Management has successfully scaled his practice to millions of dollars in AUM through data collection and client experience. In this episode, Nick shares the specific data points that you should collect from your clients and how to create a client experience that's not only efficient but unforgettable.

ABOUT ALTRUIST:

We’re on a mission to make financial advice better, more affordable, and more accessible to everyone. Altruist is an all-in-one platform built exclusively to help RIAs start, run, and grow their practices. Our platform saves you time and reduces your costs: You can manage your entire book of business, get performance reporting, and bill your clients with ease and efficiency.

Want to find out how Altruist can help you grow? See more at www.altruist.com/advisorjourneydemo  

STAY CONNECTED:

Instagram ► https://www.instagram.com/altruistcorp/  

Twitter ► https://twitter.com/altruist  

Linkedin ► https://www.linkedin.com/company/altruistcorp/  

EPISODE HIGHLIGHTS:

How a “data-driven approach” leads to RIA growth: 6:43-10:00

Top of the funnel data points to focus on as a financial advisor: 10:01-14:31

Incorporating data collection into the client experience: 14:32-20:20

Saving time as a financial advisor 20:21-22:46 

Creating a user experience for your clients 22:46-25:53

RESOURCES IN EPISODE: 

https://www.brindleandbay.com/

ADDITIONAL EPISODE RESOURCES 

The tech-enabled advisor 

5 time management tips for advisors

Here’s how to become a digital firm first to provide a better experience for your clients 

Digitizing a legacy financial firm 

For more tips on how to grow and scale your RIA, subscribe to The Advisor Journey on Apple Podcast, Spotify, or wherever you listen to podcasts.  

ABOUT THE ADVISOR JOURNEY: 

Real-life strategies for the modern financial advisor who’s ready to scale. Join Altruist founder and CEO Jason Wenk, Altruist’s Head of Community Dasarte Yarnway, and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don’t miss it.

Disclaimer: The views expressed in this podcast by the participants are solely their own and do not necessarily reflect the views of Altruist Corp or its subsidiaries. No compensation was provided. Altruist Corp offers a software platform that helps financial advisors achieve better outcomes. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. Additionally, Altruist or its affiliates do not provide tax advice, and investors are encouraged to consult with their personal tax advisors. All Copyright 2022 Altruist Corp

ABOUT THE ADVISOR JOURNEY: 

Real-life strategies for the modern financial advisor who’s ready to scale. Join Altruist founder and CEO Jason Wenk, Altruist’s Head of Community Dasarte Yarnway, and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don’t miss it.

Disclaimer: 

Altruist Corp ("Altruist") offers technology and tools designed to help financial advisors achieve better outcomes. Advisory and certain other services are provided by Altruist LLC, an SEC-registered investment adviser, and brokerage related products and services are provided by Altruist Financial LLC, a member of FINRA/SIPC. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. Additionally, Altruist or its affiliates do not provide tax advice and investors are encouraged to consult with their personal tax advisors. Clearing and custody of securities provided by Altruist Financial LLC. © 2024 Altruist Corp 3030 S La Cienega Blvd Culver City, CA 90232.

Scott and Nick Bernatowicz sit down in studio to discuss annuities in today’s market. They break down the uses of annuities for growth and income. They talk about the history of annuities and how they fit into an investment portfolio. They also touch on the uses as a solution for long-term care planning.

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For more on The Optimized Advisor Podcast click here  
For more on Producers Choice Network click here

Want to learn more and discuss annuities and other insurance solutions with us?
Call us at 888-838-0448
Email Nick at: nickb@mailpcwest.com

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This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@pcninsurance.com

Investors and advisers are more interested than ever in putting their money to work to better the planet and the people living here. While there's lots of talk about "making sure your money aligns with your values," there's very little talk about how to actually to do so. Where does one find the data on environmental impact, carbon emissions, social justice, diversity, community impact, biodiversity protection (or harm) and all the other critical ESG metrics when making an investing decision?  What does that data look like? How should one weigh those metrics against basic financials?  In short, how does one actually go about ESG investing?

As You Sow

YourStake.org 

MSCI ESG Ratings

Related Article:  SEC chief takes to Twitter to issue warning on greenwashing

Related Article:  Industry plea to SEC: Too early for Scope 3 disclosures

Guest Bios

Max Mintz is a partner and financial planner at Common Interests, a holistic financial advisory firm specializing in sustainable, responsible and impactiInvesting. Common Interests is a Certified B Corp®, a designation the firm pursued to demonstrate verified commitment to social and environmental responsibility, and track their progress over time. In 2019, Max was honored as a 40 under 40 advisor by InvestmentNews, which he ascribes to the firm’s commitment democratizing access to both financial services and impact investing.

You can learn more about Max and his firm on their website: www.commoninterests.com

Jina Penn-Tracy is passionate about leaving this world a better place. Jina believes that comprehensive planning allows individuals, businesses, and nonprofits to make more ethically aligned and influential decisions regarding the spending and investing of their money. 

 A cancer diagnosis at age 19 led Jina to years of consumer activism around issues of chemical contamination in our environment and especially the food system. After co-founding a rapidly growing import company in the 1990s, Jina shifted careers in 2004 to become the type of financial advisor she wished she could find; an advisor focused on utilizing the power and influence of money to make positive changes in the world. 

In 2019, early life trauma led her to found the nonprofit Children’s Theatre Alumni Survivors Fund (CTA Wellness). Jina is the president of the Board of CTA Wellness. Since 2014, Jina has volunteered with the Carbon Divestment Coalition in Minnesota, committed to seeing the Minnesota state pension funds divested from the top 200 carbon-holding companies. 

Interview with Steve Israel / Financial Adviser, Ex-NFL Player, Lead Dad of Four

Hosted by Paul Sullivan

Talking to kids about money and financial responsibility isn’t easy. What might matter more is what your kids see you doing, not what they hear you saying. “Whatever I preached, they had to see me doing it,” said Steve Israel, who was drafted by the Los Angeles Rams and played 10 years in the NFL. He now works as a private banker and financial adviser to families.

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Get our free newsletter covering all things fatherhood delivered straight to your inbox: https://thecompanyofdads.com/thedad/

In this episode,  you'll hear about: 

• Retirement income style awareness.
• Creating retirement income that takes taxes into account.
• Factoring Social Security into those decisions.
• Is the 4% rule still valid today?
• RMDs as the basis for income?
• Social Security claiming decisions, annuities and reverse mortgages.

Related Article: High school classes ineffective in boosting retirement savings: Study

This season is brought to you by Realized

Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations. 

Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals. 

For more information, visit www.Realized1031.com/RepairShop to learn more.

Guest Bio:  

Wade D. Pfau, Ph.D., CFA, RICP®, is the program director of the Retirement Income Certified Professional® designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA, as well as a co-director of the college’s Center for Retirement Income. As well, he is a Principal and Director for McLean Asset Management and RISA, LLC. He holds a doctorate in economics from Princeton University and has published more than sixty peer-reviewed research articles in a wide variety of academic and practitioner journals. He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal.  Wade’s newest book is Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success. He is also the author of the books Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, and Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement.

In this episode, you'll hear about: 

• Why there's a need to factor in health care costs for retirement income.
• Medicare details, costs and deadlines.
• Traditional Medicare vs. Medicare Advantage plans.
• HSAs and Medicare.
• How Medicare surcharges are calculated.
• About the WealthWatch video library.

Related Article:  Medicare do-over season

Related Article:  Medicare premiums, IRMAA surcharges to rise in 2022

This season is brought to you by Realized

Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations. 

Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals. 

For more information, visit www.Realized1031.com/RepairShop to learn more.

Guest Bio: Peter Stahl has more than 30 years of experience in the financial services industry, where he has built a recognized track record of integrity and success. He has delivered training and resources to financial advisors and their clients across the United States and internationally.

Since 2012, Peter has focused his efforts on educating financial advisors and consumers on health care challenges during retirement, equipping them to find solutions. An author and sought-after speaker, Peter makes navigating through a complex and ever-changing health care landscape comprehensible to all.

Peter lives with his wife and five children in the Philadelphia suburbs.

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