Smarter Planner Podcast

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, welcomes Rich Arzaga, CFP®, CCIM, founder of Real Estate Whisperer Financial Planning. Rich specializes in helping clients and advisors better understand how real estate fits into a comprehensive financial plan. With real estate representing a significant portion of household wealth in the U.S., he highlights a critical gap: many financial plans treat real estate as a static asset rather than an active planning opportunity. In this conversation, Rich breaks down the fundamentals of 1031 exchanges and explains how they can be used to defer taxes when transitioning from one investment property to another. Key topics- What a 1031 exchange is—and how it differs from other "exchange" strategies When a 1031 exchange may be appropriate for clients The tax implications of selling investment property without a strategy Key rules advisors should understand, including timing requirements and property guidelines The concept of "boot" and how partial exchanges are taxed How clients can transition from active real estate management to more passive investments The importance of identifying tax exposure before recommending a strategy Why selecting experienced partners (like qualified intermediaries) is critical Rich also shares how advisors can identify opportunities within the financial planning process—whether clients bring the issue forward themselves or the advisor uncovers it through tax returns, cash flow analysis, or long-term planning projections. He emphasizes that advisors don't need to become real estate experts but understanding the basics and collaborating with the right specialists can significantly improve client outcomes. Guest Links Website: https://www.realestatewhisperer.com LinkedIn: https://www.linkedin.com/in/richarzaga Recommend a Podcast Guest 👉 https://www.surveymonkey.com/r/PWXHTV7 The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. This content is not intended as investment, tax, or legal advice. Individual circumstances may vary.

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, welcomes Tyson Ray, host of The Total Succession Show and author of Total Succession. With decades of experience building and acquiring advisory firms, Tyson shares his personal journey into succession planning—and why what he thought was a solid plan turned out to be incomplete. As consolidation accelerates across the industry and private equity plays a larger role, Tyson explains why advisors must take a more intentional and informed approach to their exit strategy. In this conversation, Tyson discusses: Why succession planning is more than a buy-sell agreement The rise of aggregators, integrators, and private equity in the advisory space The hidden trade-offs behind high valuations and earn-out structures How succession decisions can directly impact client outcomes Why advisors must define what they are retiring into, not just exiting from The risks of waiting too long—and losing flexibility and options Strategies for building internal succession through team incentives and structure How multi-generational planning can strengthen client retention Tyson also introduces his "SPACE" framework for succession planning: See your future and define what comes next Prepare by identifying what needs to be built or changed Act on a clear plan Commit to decisions and transitions Exit with intention into the next phase of life He emphasizes that succession is not just a business decision—it's a fiduciary responsibility. With trillions of dollars in motion and a significant percentage of advisors nearing retirement, the choices made today will shape both client outcomes and the future of advisory firms. Guest Links Website: https://totalsuccession.comFirm: https://formwealth.comLinkedIn: https://www.linkedin.com/in/tysonray Recommend a Podcast Guest 👉 https://www.surveymonkey.com/r/PWXHTV7 The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, welcomes Erik Brenner, President and CEO of Hilltop Wealth and Tax Solutions. Erik shares how his firm has adopted a "personal CFO" approach inspired by the traditional family office model historically reserved for ultra-wealthy families and adapted it for middle-income clients who face increasingly complex financial decisions. Rather than focusing solely on investment management, Erik and his team integrate in-house tax planning, accounting services, and estate coordination into a centralized advisory experience. The goal: simplify the financial lives of clients while proactively mitigating their largest long-term expense; taxes. Erik also outlines the operational realities of launching a tax division including hiring the right talent, acquiring existing practices, and aligning incentives so the tax business becomes sustainable rather than a loss leader. As advisory services continue to evolve, Erik challenges planners to consider where the industry will be five years from now and whether asset management alone will be enough to stand out. Guest Links Website: https://hilltopwealthtax.comLinkedIn: https://www.linkedin.com/in/erikbrenner Recommend a Podcast Guest 👉 https://www.surveymonkey.com/r/PWXHTV7 The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this 1 CE-credit episode, host Belle Osvath, CFP® explores two critical components of modern investment analysis: how to evaluate portfolio managers and how ESG data fits into long-term risk and return. In the first conversation, David Marra, founder and managing director of Markin Asset Management, shares a disciplined framework for identifying skilled portfolio managers. He explains how advisors can distinguish true investment skill from luck, evaluate risk management capabilities, and understand the importance of transparency in active management. In the second half of the episode, Liz Simmie, co-founder of Honeytree Investment Management, discusses why ESG data should be treated as core investment intelligence, not a niche screening tool. She explores common misconceptions about ESG investing and explains how environmental, social, and governance data can help identify long-term business risks and opportunities. Listen to the full episode, complete the assessment, and earn 1 CE credit. CE Credit Instructions Listen to the full episode Take the quiz: https://www.surveymonkey.com/r/FPANCASmarterPlannerPodcast_Quiz Receive 1 CE credit upon completion Links & Resources Part One: David Marra — Evaluating Portfolio Manager Skill David Marra shares a practical framework advisors can use to evaluate portfolio managers and determine whether investment performance reflects skill, strategy, or market exposure. Key topics include: • Why manager selection remains one of the most valuable services advisors provide • Starting with risk metrics such as volatility, maximum drawdown, and downside risk • Evaluating alpha and performance net of fees • Using factor models to separate skill from luck • Assessing the repeatability of an investment process • Why direct conversations with portfolio managers reveal important insights about risk management Key takeaway: Advisors who build portfolios using carefully selected managers can provide differentiated value and better client outcomes. Links Markin Asset Management linkedin.com/in/david-marra-8693b44 Part Two: Liz Simmie — ESG Data and Long-Term Investment Risk Liz Simmie explains why ESG data should be viewed as fundamental business information, not simply an ethical overlay or constraint. Key topics include: • How ESG data such as employee turnover, governance structure, and supply chain diversity impacts financial performance • The history of values-aligned and responsible investing • Why ESG investing is often misunderstood as a return trade-off • How ESG insights can help identify long-term corporate resilience • Honeytree's quantamental investment approach, combining quantitative analysis with fundamental research Key takeaway: Many investors interested in ESG are not sacrificing returns—they are seeking to avoid hidden long-term risks tied to governance, environmental impact, and workforce practices. Links • Honeytree Investment Management • Honeytree ETF — Ticker: BEEZ • linkedin.com/in/liz-simmie-2b59173 Disclaimer The information provided in the Smarter Planner Podcast is intended for educational purposes only and should not be considered investment, legal, tax, or other professional advice. The views and opinions expressed by guests and hosts are their own and do not necessarily reflect those of the Financial Planning Association National Capital Area (FPA NCA), its board, or its affiliates. FPA NCA does not endorse or recommend any individuals, firms, products, or services mentioned in this podcast. Listeners should consult with a qualified professional before making financial decisions.

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, welcomes Leo Anzoleaga, Senior Vice President of Residential Lending at Luminate Bank. Leo breaks down what's really happening in today's housing market, from fluctuating mortgage rates to persistent inventory shortages, and how these dynamics are impacting buyers across different stages of life. He explains why today's real estate environment cannot be painted with a single national brush and how regional factors, hybrid work models, and demographic shifts continue to shape local markets. More importantly, Leo shares how a Certified Mortgage Planning Specialist approaches lending differently. Rather than treating a mortgage as a standalone transaction, he views it as an integrated part of a client's overall financial plan aligned with taxes, investments, estate planning, and long-term goals. Leo also shares real-world case studies of how mortgage modeling can help advisors quantify opportunity costs and provide clients with neutral, data-driven decision frameworks. For advisors looking to integrate mortgage strategy into their planning conversations—and deepen collaboration with lending professionals—this episode offers actionable insights. Guest Links Website: https://www.luminate.bank LinkedIn: https://www.linkedin.com/in/leoanzoleaga Recommend a Podcast Guest 👉 https://www.surveymonkey.com/r/PWXHTV7 _____________________________________________________________________________ The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, welcomes Mickie Kennedy, founder of eReleases, a company that helps small businesses, authors, and startups build credibility and visibility through strategic press release distribution. With nearly three decades of experience, Mickie explains what a press release really is and what it isn't. While many advisors assume PR is expensive, outdated, or ineffective, Mickie breaks down how the right story, placed in the right channel, can lead to meaningful media coverage, stronger SEO, and increased trust with prospective clients. In this conversation, Mickie shares: What makes a press release newsworthy (and why most fail) Why human-interest stories outperform corporate announcements How local media can be one of the most powerful and overlooked channels for advisors The role of press releases in SEO and AI-driven search results How media coverage builds long-term credibility, improves conversion rates, and reduces client churn Mickie also discusses why advisors don't need to appear "big" or overly polished to attract media attention and how authenticity, personal stories, and even contrarian viewpoints can help advisors stand out. He outlines practical ways advisors can start exploring PR without a massive budget and why consistency matters more than a single press hit. Guest Links Website: https://www.ereleases.com Free PR Masterclass: https://www.ereleases.com/plan LinkedIn: https://www.linkedin.com/in/publicity/ Recommend a Podcast Guest 👉 https://www.surveymonkey.com/r/PWXHTV7 ____________________________________________________________________________ The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this episode of The Smarter Planner Podcast, host Belle Osvath welcomes Michael Kitces, Chief Financial Planning Nerd at Kitces.com. In this conversation, Michael shares research-backed insights on what truly drives productivity in advisory firms and what surprisingly does not. Drawing on data from hundreds of advisory firms, he explains why revenue per advisor is one of the most consistent and meaningful ways to measure productivity across business models. Michael discusses: Why technology alone rarely delivers the productivity gains advisors expect How team structure, delegation, and role clarity create real leverage The optimal size of advisory teams and why productivity often declines as teams grow too large How hiring the right support staff can dramatically increase capacity and revenue He also challenges advisors to rethink pricing, sharing why fee compression is largely a myth and why many above-average advisors undervalue their work. Michael explains how pricing is a lever advisors are allowed and encouraged to use to build sustainable, scalable firms that reflect the true value they deliver. Guest Links Website: https://www.kitces.com Podcast: Financial Advisor Success Podcast LinkedIn: www.linkedin.com/in/michaelkitces Recommend a Podcast Guest 👉 https://www.surveymonkey.com/r/PWXHTV7 The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, welcomes Carl Richards, CFP®, creator of The Sketch Guy column for The New York Times, where for more than a decade he translated complex money ideas into simple, hand-drawn sketches. Carl has built and sold a successful investment firm and is now a sought-after speaker and bestselling author of The Behavior Gap, The One-Page Financial Plan, and Your Money: Re-Imagining Wealth in 101 Simple Sketches. He is also the host of the podcast Behavior Gap Radio. In this wide-ranging conversation, Carl challenges advisors to rethink how they communicate with clients. While advisors are trained to manage complexity, Carl argues that actual value lies in elegant simplicity. He explains how the overuse of jargon and technical language can unintentionally distance clients and why most people nod along even when they don't understand what's being said. Carl shares why simplifying financial conversations helps clients: Feel truly heard and understood Build trust more quickly Engage more deeply with their financial decisions Stay focused on what actually matters to their lives He also explores the difference between simplistic and elegantly simple, why visual communication is so powerful, and how one-page sketches can unlock more meaningful conversations. Looking ahead, Carl discusses the rise of artificial intelligence and why the future value of financial planners lies not in calculations but in human wisdom, presence, and empathy. Guest Links Website: https://behaviorgap.com Podcast: Behavior Gap Radio LinkedIn: https://www.linkedin.com/in/carlrichards Recommend a Podcast Guest 👉 https://www.surveymonkey.com/r/PWXHTV7 ________________________________________________________________________________ The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, welcomes Ed Dressel, president and owner of Retire Ready Solutions, a company empowering advisors to simplify retirement education — especially for middle-income workers and pension-eligible employees. With nearly 40 years in the industry, Ed has identified a critical disconnect: advisors love complexity, but clients crave simplicity. When presentations are too technical, clients feel lost and miss the most essential questions about their retirement readiness. Ed explains how shifting from over-analysis to interactive simplicity helps clients: -Truly understand their retirement path -Express their values and priorities -Make informed decisions with confidence -Stay engaged long after the meeting ends He also shares how Retire Ready Solutions' tools help advisors show on one page whether a client is on track and how minor improvements (like 1–2% contribution increases) can dramatically boost outcomes without overwhelming them. Guest Links Website: retireready.com LinkedIn: https://www.linkedin.com/in/edwarddressel/ Recommend a Podcast Guest 👉 https://www.surveymonkey.com/r/PWXHTV7 ____________________________________________________________________________ The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, sits down with Mike Padawer, CLTC, founder and president of Inertia Advisor Services Group and Carefidence, to discuss why financial planners must shift their approach from simply paying for care to truly planning for care. Mike—author of What's the Deal with Long-Term Care and co-author of What You Don't Know About Retirement Will Hurt You—shares how advisors can guide clients through the emotional, legal, and financial realities of aging with intention. He explains how most advisors stop at the funding question ("Can the client afford it?"), missing the more profound planning questions that matter most: Who will provide care? Where will it happen? And how can families avoid conflict and crisis when the time comes? Mike outlines his four-step framework—Awareness, Assessment, Alignment, and Action—that helps advisors integrate long-term care into every financial plan with empathy and clarity. Guest Links: Website: https://www.inertia-asg.com LinkedIn: https://www.linkedin.com/in/mike-padawer/ Recommend a podcast guest: 👉 https://www.surveymonkey.com/r/PWXHTV7 ____________________________________________________________________________ The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, sits down with Ari Galper, founder and CEO of Ari AI — the world's only trust-based proprietary AI sales growth advisor — to explore how financial planners can build deeper trust and stronger client relationships in today's commoditized advisory landscape. Ari, author of seven bestselling books including Trust in a Split Second and Unlock the Sales Game, explains why we're in what he calls a "trust recession." He challenges the traditional focus on relationship-building and free consulting, showing instead how advisors can earn trust faster by adopting a doctor–patient approach — diagnosing problems before offering solutions. Together, Belle and Ari unpack: Why "value" and "education" are no longer effective trust builders How to shift from being "shopped" to becoming the trusted choice Practical ways to change your first meeting language to build instant credibility How emotional connection—not intellect—is what drives client commitment The role of AI in transforming trust-based communication and client engagement Learn how to stop chasing prospects and start creating trust in a split second. Guest Links: Website: AriGalper.com Book: TheTrustBook.com LinkedIn: linkedin.com/in/arigalper Recommend a podcast guest: 👉 https://www.surveymonkey.com/r/PWXHTV7 The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this episode of The Smarter Planner podcast, host Belle Osvath, CFP®, sits down with Jane Mepham, CFP®, founder of Elgon Financial Advisors, to discuss the unique challenges and opportunities of financial planning for immigrants and foreign nationals living in the United States. Jane, a former H-1B visa holder herself, brings a deeply personal and professional perspective to helping clients bridge two financial worlds- from understanding tax treaties and global reporting requirements to navigating cultural expectations around money and family support. She also shares insights from her podcast, The International Money Café. She explains how collaboration between financial planners, immigration attorneys, and tax experts is essential for clients with cross-border ties. Website: https://elgonfa.com Podcast: https://www.theimcafe.com LinkedIn: https://www.linkedin.com/in/janemepham/ Kitces Article- https://www.kitces.com/blog/investing-for-work-visa-holders-nonimmigrant-challenges-foreign-workers-h1b/ Recommend a podcast guest here: https://www.surveymonkey.com/r/PWXHTV7 The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this 1 CE-credit episode, host Belle Osvath, CFP® talks with two leading voices about how artificial intelligence is shaping the industry and what it means for the future of financial planners. CE Credit Instructions Listen to the full episode. Take the quiz: https://www.surveymonkey.com/r/fpancaaipodcastce Receive 1 CE credit upon completion. Links & Resources Part One: Brendan Fraser – How AI Will Make You a Better Planner Will AI replace advisors? Brendan explains why the answer is "not yet"—and maybe never, if humans focus on what tech can't replicate. The chess analogy: How pairing human strategic thinking with computational speed elevates financial advice to new levels. Client conversations that matter: Why empathy, values, and life goals will always separate advisors from machines. The ROI of advice: Beyond investment returns, Brendan reframes ROI as money, time, and peace of mind. RFG Advisory https://www.linkedin.com/in/brendanfrazier/ Part Two: Brooke Juniper – AI's Role in Portfolio Management AI's long history in finance: From quant strategies to tax-loss harvesting, AI has been powering portfolio management for decades. Generative AI's "unlock": Moving from deterministic models to flexible, client-specific analysis and commentary. Vertical vs. horizontal AI apps: Why specialized AI like Sage is built for advisors, compared to general tools like ChatGPT. Trust and transparency: Ensuring data sources, calculations, and models are reliable and client-ready. Looking ahead: AI as a "co-pilot," enabling hyper-personalized portfolios, real-time insights, and scalable empathy. Sage – AI for Wealth Advisors https://www.linkedin.com/in/brooke-juniper/ The information provided in the Smarter Planner Podcast is for educational purposes only and should not be considered investment, legal, tax, or other professional advice. Views expressed are those of the guests and host, not necessarily those of the Financial Planning Association National Capital Area (FPA NCA). Please consult a qualified professional before making financial decisions.

In this episode of the Smarter Planner podcast, host Belle Osvath speaks with David Peters, CFP®, CPA, founder of David Peters Financial Group and Peters Tax Preparation & Consulting, about the sweeping changes in the One Big Beautiful Bill Act and their impact on financial planners and clients. With four master's degrees, a national teaching role, and a PhD in progress, David brings both technical expertise and a practical perspective on navigating new tax laws. Website: petersprofessionaleducation.com/ LinkedIn linkedin.com/in/david-peters-financial/ The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.

In this episode, host Belle Osvath, CFP®, talks with Vincent Randazzo, CMT, founder of ViewRight Advisors and former Head of Technical Research at CFRA, about how financial advisors can better navigate market cycles and systemic risk using a disciplined, data-driven approach. Vincent explains that traditional static asset allocation models don't account for the market cycle's stage—spring, summer, fall, or winter—and therefore miss critical opportunities to manage risk. He emphasizes the importance of active risk management, which differs from stock picking or market timing. Vincent also challenges the assumption that compounding is straightforward, reminding listeners that path dependency matters—the sequence in which returns occur can significantly impact outcomes. His closing advice: helping clients avoid significant losses is more potent than chasing high returns, especially early in retirement. To learn more or subscribe to Vincent's market research, visit viewright.ai or follow him on LinkedIn and X (@CMTRandazzo). _____________________________________________________________________ The information provided in The Smarter Planner podcast is intended for educational purposes only and should not be considered investment, legal, tax, or other professional advice. The views and opinions expressed by guests are their own and do not necessarily reflect those of the FPA National Capital Area Chapter (FPA NCA), its board, or its affiliates. FPA NCA does not endorse or recommend any individuals, firms, products, or services mentioned in this podcast. Listeners should consult with a qualified professional who understands their personal financial situation before making any decisions based on this or any other content.

In this episode of the Smarter Planner podcast, host Belle Osvath sits down with Paul Sippil, CPA, and founder of Paul Sippel & Associates, to explore the often-overlooked world of 401(k) plan fees, transparency, and fiduciary responsibility. As a self-described "forensic retirement consultant," Paul has reviewed thousands of Form 5500 filings, uncovering hidden fees, conflicts of interest, and even outright fraud. Paul shares how his journey began by cold-calling business owners after analyzing their publicly available 5500 forms—only to be met with surprise, disbelief, or outright denial. Through years of experience, he discovered that most business owners and advisors lack awareness of how much participants are truly paying, and that many advisors are receiving fees for "fake management" without providing real participant education or fiduciary-level service. Paul encourages financial planners to dive into 5500 forms—even if they don't manage retirement plans—because doing so can uncover powerful opportunities to add value for business-owning clients. You can connect with Paul here; https://www.paulsippil.com/ https://www.youtube.com/@paulsippil https://www.linkedin.com/in/paul-sippil-5141a47/ __________ The Smarter Planner podcast is presented by the Financial Planning Association National Capital Area Chapter (FPA NCA). This episode is for educational purposes only, and neither Belle Osvath nor FPA NCA endorses specific individuals or services mentioned.

In this episode of the Smarter Planner podcast, host Belle Osvath talks with Dr. Christina Lynn, CFP®, AFC, CDFA, Director and Wealth Strategist at Mariner, about the transformative power of motivational interviewing in financial planning. A technique rooted in behavioral health, motivational interviewing is gaining momentum among financial professionals as a powerful tool to navigate emotionally charged client conversations and foster meaningful change. Dr. Lynn explains that financial advisors often jump too quickly into solutions, assuming expertise alone can guide clients to better outcomes. Motivational interviewing teaches advisors to slow down and first explore a client's emotions, motivations, and readiness for change. It's about helping clients arrive at their reasons to act—making the advice more likely to be implemented. Using real-life client scenarios—from pension decisions to post-crash diversification regrets—Dr. Lynn illustrates how motivational interviewing helps lower client defensiveness, rebuild trust, and foster more empathetic and effective relationships. As AI continues to handle more of the math, this episode emphasizes that emotional intelligence and relational skills are the future differentiators for advisors. To connect with Dr. Lynn, visit Mariner.com or find her on LinkedIn. ---------------------------------------------------------------------------- The Smarter Planner podcast is brought to you by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse any specific individuals or services discussed in the episode.

In this episode, host Belle Osvath, CFP®, interviews Tim Maurer, CFP®, Registered Life Planner and Chief Advisory Officer at Signature FD. Tim shares his expertise on the often-dreaded topic of sales in financial planning, offering insight into how financial professionals can approach business development in a way that aligns with their fiduciary responsibility. Tim discusses how the sales process can feel at odds with the advisory profession's core values and the challenge of reconciling the two. He also delves into his work with advisors to help them integrate business development into their professional and personal identity. Tim introduces the idea of using generosity and relationship-building to enhance sales, emphasizing that true fiduciaries can build successful practices without sacrificing their values. Additionally, Tim talks about the skills necessary to "win the work" and highlights an innovative approach to relationship management, focusing on genuine connections rather than traditional sales techniques. If you've ever felt conflicted about business development in your advisory role, this episode will provide valuable perspectives and actionable insights. You can connect with Tim on LinkedIn or visit his website at TimMaurer.com for more. --------------------------------------------------------------------------- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and FPA NCA do not endorse specific individuals or services discussed in this podcast.

In this episode host Belle Osvath, CFP® interviews Matt Gelfand, PhD, CFA, CFP®, Managing Director and Global Strategist at Princeton Global. Matt brings deep insight into the age-old debate of active vs. passive investing. Matt shares how his academic background in economics initially led him to embrace the efficient market hypothesis, but his decades of real-world experience changed his view. He explains why active investing still has an important place, particularly in volatile markets, and outlines the logical and behavioral arguments supporting the idea that markets aren't always efficient. From market inefficiencies created by human behavior to the critical role of active managers in making markets efficient, Matt unpacks why active management may outperform in certain circumstances. The discussion also covers broader market forces, the impact of policy uncertainty, and how behavioral finance adds another layer of opportunity for active investors.. This episode is packed with thought-provoking insights for financial planners looking to deepen their understanding of market dynamics and investment strategy. You can connect with Matt on LinkedIn or visit PrincetonGlobal.com for more. LinkedIn https://www.linkedin.com/in/matthewgelfand/ —---------------------------------------------------------------------------------------------------------------------------- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and FPA NCA do not endorse specific individuals or services discussed in this podcast.

In this episode, host Belle Osvath, CFP®, connects with Dr. Mary Bell Carlson, financial behavior expert and founder of the Financial Behavior Keynote Group. Dr. Carlson shares how financial advisors can deepen relationships and demonstrate value through thoughtful, engaging client events. She emphasizes that the "why" behind client events is crucial—offering more than just advice, these experiences build emotional connections, help reach resistant spouses or heirs, and allow outside speakers to reframe financial conversations in impactful ways. With humor, warmth, and practical insight, Dr. Carlson underscores that the psychology of money is no longer optional—it's a vital part of the advisor-client relationship, especially in an era where AI and automation are redefining value. Her message: enhancing emotional intelligence is the next frontier for financial professionals. Learn more at https://keynote.financial Connect with Dr. Mary Bell Carlson on LinkedIn ---------------------------------------------------------------------------- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP®, interviews Victor Hagani, founder of Elm Wealth, about his groundbreaking research into the "overnight drift" in stock markets. Victor, a seasoned finance expert, explains how a significant portion of the stock market's returns occurs during off-hours when markets are closed, despite the higher volatility typically seen during the day. This fascinating insight into overnight trading patterns is informative for investors and financial planners. Their discussion topics include: Overnight Drift in Stock Markets: Victor reveals how after-hours trading primarily drives market returns, shedding light on the little-known phenomenon of overnight drift. Day Trading Influence on Overnight Drift: Learn how day traders contribute to the overnight drift and discover which stocks are most affected by this market behavior. Dynamic vs. Static Asset Allocation: Victor explains why asset allocation decisions should be active and based on expected returns and risk, rather than a passive, one-size-fits-all approach. Elm Wealth's ETF and Dynamic Asset Allocation: Victor shares insights into Elm Wealth's unique ETF, which uses dynamic asset allocation strategies to optimize returns and adjust exposure based on market conditions. Resources Mentioned: Elm Wealth: Visit Elm Wealth Elm ETF: ELM LinkedIn: Connect with Victor Hagani Victor's articles on the overnight drift: https://elmwealth.com/night-moves-overnight-drift/ https://elmwealth.com/night-shift/ ---------------------------------------------------------------------------- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath CFP® talks with David Peters, CFP®, CPA. They discuss the latest tax updates and what they mean for financial advisors. David covers: IRS Updates: How the recent cut of 6,000 employees may affect processing times, refunds, and overall IRS operations. Beneficial Ownership Information (BOI) Reporting: What the Corporate Transparency Act requires and the ongoing debates around privacy concerns. David also discusses the penalties for non-compliance and the latest updates on reporting deadlines. Upcoming Tax Legislation: Expected changes in tax laws in 2025, including green energy credits, state and local tax deductions, and modifications to education and car loan interest credits. Required Minimum Distributions (RMDs): Clarification on recent IRS notices and upcoming guidance on RMDs for surviving spouses. David Peters Professional Education: petersprofessionaleducation.com LinkedIn: David Peters --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP®, speaks with Erin Botsford, CFP®, who shares valuable insights into how financial advisors can build more sustainable and lucrative practices. Erin discusses: The role of a financial director vs. a planner: How being a concierge for your client's financial needs can set you apart and create lasting, generational relationships. Why charging financial planning fees is essential: How Erin transitioned from offering free services to charging substantial planning fees and why it's crucial for high-net-worth clients. The power of identifying risk: Focusing on risk management and pointing out potential vulnerabilities, like underinsurance or asset protection issues, helps advisors attract and retain clients. · Erin Botsford Website: erinbotsford.com · LinkedIn: Erin Botsford --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP®, interviews Jeremiah Baker, author of Confessions of a Hacker, about the evolving landscape of cybersecurity threats. With 17 years in the field, Jeremiah has worked with major casinos, banks, corporations, hospitals, and software firms worldwide to identify and mitigate security vulnerabilities. Jeremiah highlights that many cyber threats remain consistent over time, but new risks have emerged with advancements in AI and automation. He discusses how AI-powered scams, phishing, ransomware, and fund transfer fraud continue impacting businesses and individuals. Notably, AI is used to clone voices, manipulate video calls, and automate attacks, making fraudsters more effective than ever. One key takeaway is that cybersecurity is not just about large organizations. Everyone is a target, including financial planners, who must protect their security, firm data, and clients' sensitive information. Jeremiah shares practical, low-cost (and no-cost) measures to defend against these threats, including multi-factor authentication, strong password management, and robust backup systems. He also recounts real-world cases of fraudulent wire transfers, ransomware extortion, and deep fake impersonation, emphasizing the need for constant vigilance and a zero-trust mindset in today's digital world. For more insights, connect with Jeremiah Baker on LinkedIn linkedin.com/in/jeremiahbaker or check out his book, Confessions of a Hacker, which will soon be updated. --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP®, interviews Stevyn Guinnip, founder, and CEO of Grow Wellthy, a health and wellness consulting firm that works with financial advisors to improve their well-being. As the daughter of a financial advisor, Stevyn witnessed firsthand how the industry's pressures can negatively impact health. Her firm bridges the gap between financial success and personal well-being, helping advisors and their clients invest in their health just as they do their wealth. Stevyn explains how financial advisors often neglect their health due to their competitive, high-achieving personalities and the relentless demands of building a business. She emphasizes the connection between health and long-term financial security, noting that chronic stress and poor health can undermine even the best financial plans. By incorporating simple, sustainable wellness practices into daily routines, advisors can protect their health without sacrificing career success. Connect with Stevyn: https://www.linkedin.com/in/stevyn-guinnip/ growwellthy.com --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and FPA NCA do not endorse any individuals or services mentioned.

In this episode, host Belle Osvath, CFP®, interviews Scott Sanders, founder of 1908 Advisors, a firm specializing in life insurance settlements. Scott explains how his company simplifies the process of selling cash-value life insurance policies that are no longer needed or wanted. He outlines three primary options for such policies: lapsing, surrendering for cash value, or selling to institutional investors for an amount greater than the surrender value. Scott delves into the workings of the life settlement market, emphasizing the role of institutional investors, such as hedge funds and life insurance carriers, who use these policies as long-duration assets. By creating a more transparent and competitive bidding process, 1908 Advisors ensures that financial advisors can confidently help clients maximize the value of their life insurance policies. Scott emphasizes that life settlements are not a niche product but a valuable tool for financial planning, particularly for high-net-worth clients. He also shares insights on taxation considerations and addresses misconceptions about the industry. LinkedIn 1908advisors.com --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and FPA NCA do not endorse any individuals or services mentioned.

In this episode of the Smarter Planner podcast, host Belle Osvath, CFP® speaks with Kelly McNerney, CFP®, and Kristin Beane, about the upcoming Smarter Planner Symposium, which will be held on January 24th, 2025 at the Archer Hotel in Tysons Corner, Virginia. The event promises a full day of learning, networking, and collaboration designed for financial planning professionals. Register Here Schedule 7:30 - 8:00 Registration and Breakfast 8:00 - 8:15 Welcome Kelly McNerney- Chair- 2025 Symposium 8:15 - 9:00 Mike Townsend: Policy and Politics in the New Washington: Implications for Investors 9:10 - 10:00 Ben Henry- Moreland: Tax Planning For TCJA's (Scheduled) Sunset: Preparing Clients For Change Amid Legislative Uncertainty 10:00 - 10:20 Break 10:20 - 11:10 Rianka R. Dorsainvil, CFP®: Increasing Culture Competency to Better Serve Clients 11:10 - 12:00 Michael Egan, CFP®, CIMA: Custom Options for Concentrated Stocks 12:00 - 12:30 Annual Awards 12:30 - 1:30 Lunch AKA Hotel Bar 1:30 - 2:20 Sefa Mawuli, CFP®: Tailoring Financial Planning for Global Families and Professionals 2:20 - 3:10 Ashley Quamme: Sensitive Conversations: Mastering Difficult Client Scenarios through Conversation and Connection 3:10 - 3:30 Break 3:30 - 4:10 Mark Colaço, CFP® Perception vs. Reality: The Vital Role of Insurance in a Thriving Advisory Practice 4:10 - 4:20 Raffles and Closing 4:30 - 5:30 Happy Hour Networking Opportunities: Attendees can connect during breaks, lunch, and a post-event happy hour in the hotel's unique spaces, including the penthouse. Continuing Education (CE) Credits: Up to seven CE credits are available, providing an additional incentive for attendance. Special Offers and Prizes: Podcast listeners can use a $50 discount code ("SmarterPlanner"), and attendees can participate in a bingo-style activity to win prizes while interacting with sponsors. Kelly and Kristen also discuss the importance of collaboration within the Financial Planning Association (FPA), sharing insights on the value of FPA membership benefits and the impact of fostering community among chapters. For more information or to register, visit the symposium's page and use the discount code to save on admission. Don't miss this opportunity to connect, learn, and grow as a financial planning professional. --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and FPA NCA do not endorse any individuals or services mentioned.

In this episode, host Belle Osvath, CFP®, interviews Jeannette Kuda, President and COO of TIFIN AG, a fintech company revolutionizing wealth management through supervised AI. Jeannette explains the differences between supervised (predictive) AI and generative AI, emphasizing the former's ability to analyze large datasets to identify growth opportunities for wealth management firms. TIFIN AG's platform focuses on organic growth by helping advisors uncover hidden opportunities within their existing client base, such as outside assets that could be consolidated under their management. By leveraging predictive AI, the tool analyzes historical data, supplements it with third-party data, and provides actionable insights. Advisors are then equipped to prioritize high-probability opportunities efficiently, enhancing their ability to grow their business book without increasing administrative burdens. Jeannette stresses that AI is not about replacing advisors but augmenting their efforts, allowing them to focus on client relationships and growth strategies. She also highlights the importance of embracing AI experimentation, regardless of firm size, as the technology evolves rapidly and creates competitive advantages. For more insights, connect with Jeannette on LinkedIn or visit tiffinag.com. --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Belle Osvath and the FPA NCA do not endorse any of the individuals or services mentioned.

In this episode, host Belle Osvath, CFP®, interviews Steven Zeiger, Managing Director at KB Financial, about the complexities of life insurance in the "fiduciary era." Steven discusses the importance of transparent and unbiased evaluation in life insurance, noting the need for more standardization and the potential for misleading information in traditional policy illustrations. He explains how research tools like those by Morningstar and Veralytic allow advisors to compare policies against industry benchmarks to accurately assess premiums, internal costs, and cash value projections. Steven highlights the value of independent, third-party research to avoid conflicts of interest and prioritize clients' best interests. He explains how data-driven insights and tools can identify hidden costs and potential policy failures often not apparent in standard illustrations. This information enables advisors to provide fiduciary-grade service, ensuring clients receive the best outcome for their financial goals. Steven also emphasizes the importance of research-based evaluation, encouraging planners to utilize these tools to enhance transparency and trust. Video of Life Insurance Analysis:https://youtu.be/8GpzzMWHbuE Ways to connect with Steven: Steven's Cell: 917-750-6201 Text: M - More questions, T - Trust & estate article I - Introduce me to someone, S - Speaking engagement LinkedIn: https://www.linkedin.com/in/stevenzeiger/ Website: https://www.kbfinancialcompanies.com/ --- The Smarter Planner podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes. Phil Asta and FPA NCA do not endorse any of the individuals or services mentioned.

In this episode, host Belle Osvath, CFP®, speaks with Dan Carreno, cofounder of 0-Six Impact Partners and cohost of the Rewilding Wall Street podcast. They explore the critical intersection of climate change and financial planning, discussing how extreme weather events impact insurance costs and property values. Dan shares his personal experiences and emphasizes the importance of financial planners addressing these emerging risks and educating their clients. Financial Planning in the Age of Climate Change paper: https://osixpartners.com/blog-4-1/financial-planning-in-the-age-of-climate-change U.S. Treasury paper: https://home.treasury.gov/system/files/136/Climate_Change_Household_Finances.pdf Dan's LinkedIn: https://www.linkedin.com/in/carreno-colorado/ --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode of the Smarter Planner podcast, host Belle Osvath, CFP®, talks with Brooke Juniper, CEO of Sage, about the evolving role of AI in the wealth advisory industry. Brooke shares insights on how AI has been part of portfolio management for over 20 years, starting with quantitative equity strategies and sentiment analysis from company earnings. With the advent of generative AI, Brooke explains how AI has unlocked new possibilities, allowing for more data processing, portfolio personalization, and qualitative research. Brooke discusses the shift from deterministic algorithms to more nuanced AI solutions that can analyze client-specific factors, enhancing the advisor's decision-making process. She emphasizes the difference between general AI applications, like ChatGPT, and specialized AI platforms, like Sage, which are tailored specifically for financial advisors. By integrating into existing account management and portfolio platforms, Sage acts as a co-pilot, helping advisors provide more personalized and scalable portfolio management, making each client feel uniquely catered to. If you want to learn more about AI's impact on wealth management or how it can enhance your practice, this episode is a must-listen. You can reach Brooke on LinkedIn or visit her website at tifinsage.ai --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode of the Smarter Planner podcast, host Belle Osvath, CFP®, interviews Derek Pollard, Ph.D., founder of Constellar Creative, about the importance of personal branding for financial planners. They dive into strategies for crafting a unique, consistent brand that reflects your story and expertise, even if you're part of a larger organization. Derek emphasizes that personal branding is more than just a buzzword—it's about presenting your skills, mission, and vision in a way that resonates with your ideal clients. Derek shares insights on how to build a brand that stands out, even when working under a firm's corporate branding. He discusses the importance of consistency across all platforms—social media, websites, and in-person interactions—to create a cohesive brand experience. Whether you're an independent advisor or working within a firm, Derek offers practical advice on how to start small, audit your current branding, and build from there. He also highlights the value of partnering with marketing experts if you are unsure how to tell your story best. You can reach Derek on LinkedIn or at his website, Constellar Creative. --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP® interviews Michael Clarke, co-founder of Protection Point Advisors and the National Referral Network, and author of A Firm Worth Building. The discussion revolves around the concept of "trust compression," which refers to building trust with clients not through long interactions over time, but by creating a series of high-quality, successive engagements that compress the time needed to establish trust. Michael explains how trust compression allows advisors to connect with clients through shorter, more meaningful meetings. He highlights how his firm has broken the traditional intake process into multiple brief, focused interactions to understand client risk tolerance and align their financial plans accordingly. The goal is to help clients feel understood and comfortable, building trust faster than through conventional methods. National Referral Network: https://www.nrnamerica.com/ A Firm Worth Building (Book) https://a.co/d/dinBzqA LinkedIn: https://www.linkedin.com/in/michaeljclarke1/ Website: https://www.protectionpointadvisors.com/

In this episode, host Belle Osvath, CFP®, speaks with Andrea Longton, a CFA and award-winning author who specializes in social justice investing. Andrea has raised over $1 billion for social justice investments in the U.S. and advised on an additional $1.5 billion globally. She authored a book titled The Social Justice Investor: Advance Your Values While Building Wealth. In the discussion, Andrea explains that social justice investing involves aligning one's financial investments with personal values that promote social justice. This can encompass various causes, including racial justice, climate justice, children's welfare, LGBTQIA+ rights, and gender equity. Andrea emphasizes that social justice investing is personalized; it requires individuals to identify their values and align their investment portfolios accordingly. The conversation also touches on the potential challenges financial advisors face when addressing social justice investing, particularly the risk of being perceived as partisan. Andrea advises that advisors should focus on the values of their clients rather than politics and that they should educate themselves on social justice investing to better serve their clients. She mentions several certifications and networks that advisors can pursue to enhance their understanding of this field. Andrea's book, The Social Justice Investor, is available on Amazon, and she can be reached through her website, thesocialjusticeinvestor.com. LinkedIn --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP®, interviews Kevin Keller, CAE, the CEO of CFP Board, about their latest public awareness campaign. Keller shares insights into the campaign's goal of increasing consumer recognition of the CFP® certification with the tagline, "It's Gotta Be a CFP®." Keller discusses the campaign's development and budget and how its effectiveness is being measured through metrics like unaided awareness. He shares that this campaign is modeled after successful industry advertising strategies, such as the iconic "Got Milk?" campaign. The commercials are designed to highlight the unique value of CFP® professionals and reinforce client confidence when working with a certified financial planner. Keller explains how CFP® professionals contribute to funding the campaign and discusses the upcoming CFP Board Connections Conference, an event to connect practitioners, educators, and firms in the financial planning ecosystem. For CFP® professionals interested in how their credentials are being marketed or for those curious about the campaign's impact, this episode provides insights into the board's strategy to raise public awareness and elevate the CFP® brand. Links: Kevin's LinkedIn: https://www.linkedin.com/in/kevinkeller2/ CFP Board Commercial: https://youtu.be/TUD1i5d9AUE?si=JUJHV_teWEWrSmqh --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP®, speaks with Andy Baxley, MS, CFP®, CIMA®, a Certified Financial Transitionist, about the evolving role of financial advisors. Andy, an independent financial planner at the Planning Center, discusses how changes in people's lives, work, and retirement necessitate a shift in financial planning approaches. He emphasizes the importance of understanding clients' values and designing financial plans that reflect these values rather than adhering to outdated societal norms. Andy explains that the traditional 9-to-5 job model until retirement at 65 is becoming obsolete. With increased life expectancies and more fulfilling work opportunities, people seek phased retirements, sabbaticals, and encore careers. He highlights the role of financial planners in guiding clients through these transitions, not just with technical expertise but also by helping clients reframe their work-life balance and long-term goals. Links: Statement of Financial Purpose Course: https://sofp.offthebalancesheet.com/ Financial Transitionist Institute: https://www.financialtransitionist.com/ Andy's LinkedIn: https://www.linkedin.com/in/andy-baxley/ For more information on the Financial Planning Association National Capital Area Chapter, visit FPANCA.org. --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP®, interviews Rachel Witkowski, an award-winning financial tech and AI reporter, about the integration of AI in financial planning. They discuss current AI applications, upcoming innovations, and the security concerns surrounding these technologies. They also touch upon the Advise AI conference, which is dedicated to exploring AI tools for financial advisors. Advise AI Conference: https://conference.financialplanning.com/event/advise-ai/summary Beautiful AI: https://www.beautiful.ai/ LinkedIn: Rachel Witkowski --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP® interviews Christine Dolan, the founder of C. Dolan and Associates Financial Organizing. Christine explains the role of a daily money manager and how they provide essential day-to-day financial management services that complement the work of financial advisors. Christine details how her firm helps clients manage their bills, organize financial paperwork, prepare for tax time, and reduce financial stress. The discussion also covers the signs that a client may need a daily money manager and how financial advisors can approach this topic with their clients. This episode is for financial planners looking to understand the benefits of daily money management for their clients and how to find trustworthy professionals in this field. https://www.cdolanfinancial.com https://www.linkedin.com/in/christine-dolan-mba-6260892/ --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode host Belle Osvath interviews Matt Halloran, Co-founder, and Chief Relationship Officer at ProudMouth, on the power of influence in financial planning marketing. Matt discusses how the marketing landscape has fundamentally changed, emphasizing that traditional selling methods are being replaced by content-driven influence that allows potential clients to engage and connect with advisors on their terms. Matt outlines how financial planners can effectively utilize podcasts as a marketing tool, stressing the importance of having a focused niche rather than attempting to appeal to a broad audience. He shares insights into the necessity of content preparation and planning, suggesting that advisors need to know their message and audience intimately to create impactful content. From content ideation to compliance, Matt's advice is grounded in real-world experience. He also shares effective strategies for promoting and sharing content to grow an audience organically. www.linkedin.com/in/matthalloranpm https://proudmouth.com

In this episode, host Belle Osvath, CFP® speaks with Mike Alves, MSAFP, CFP®, CEPA, CRPC®, founder of Vida Private Wealth. Mike shares his unique approach to integrating financial education into wealth management by developing a curriculum tailored to young people from childhood through adulthood. He discusses the genesis of this initiative, which began somewhat by accident but evolved into a deliberate and structured program aimed at educating clients' children and grandchildren about wealth management and financial responsibility. Mike explains the importance of introducing financial concepts early, noting that the younger generation is becoming increasingly aware of complex financial products like private equity and cryptocurrency due to widespread access to information via social media. His approach is hands-on, with classes tailored to different age groups, ensuring that the financial education provided is age-appropriate and engaging. https://www.linkedin.com/in/mikealves https://www.vidapw.com --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP® welcomes David Marra, Chief Investment Officer at Markin Asset Management, back to discuss the current state of U.S. equity markets and investment strategies in the context of perceived market overvaluation. David shares insights into the cyclically adjusted PE ratio (CAPE) and its implications for future market returns, highlighting expectations of lower-than-average equity returns over the next decade due to high current valuations. David also delves into the concept of "American exceptionalism" in financial markets, attributing recent strong performances to efficient capital markets and aggressive federal deficit spending, which he warns may not be sustainable. He stresses the importance of investors adjusting expectations and planning strategies to anticipate potentially lower future returns. Furthermore, David explores investment opportunities in sectors less dependent on government expenditure, particularly in artificial intelligence (AI) and GLP-1-related healthcare innovations. He emphasizes AI's increasing utility and potential for substantial growth, contrasting it with the dot-com bubble by noting more sustainable current valuations and profitability among leading AI firms. https://markinfunds.com/ https://www.linkedin.com/in/david-marra-8693b44/ --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode host, Belle Osvath, CFP®, chats with Victor Haghani, co-author of "The Missing Billionaires: A Guide to Better Financial Decisions" and founder of Elm Wealth. Victor discusses the intriguing phenomenon of America's wealthiest families losing their fortunes over generations despite favorable investment conditions. He explores these families' critical mistakes, particularly poor risk management and unsustainable spending habits. Victor's insights are rooted in his extensive experience in finance, including roles at Salomon Brothers and as a co-founder of Long Term Capital Management. He also spent significant time in academia at the London School of Economics. His book covers why, despite historical market growth, many of the early 20th-century fortunes did not endure, pointing to over-concentration in investments and fixed spending habits that needed to adjust to actual returns. LinkedIn:https://www.linkedin.com/in/victorhaghani/ Website: https://elmwealth.com/ --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

In this episode, host Belle Osvath, CFP® interviews Liz Simmie co-founder of Honey Tree Investment Management. They discuss the importance of ESG (Environmental, Social, and Governance) data in investment analysis. Contrary to being a niche element, Liz argues that ESG data should be considered fundamental to assessing a company's viability for long-term growth and risk. Her firm, Honey Tree, integrates ESG data alongside traditional financial metrics, viewing it equally significant. Liz highlights that many traditional investors perceive ESG data as a constraint that might detract from returns. However, she posits that companies with strong ESG practices tend to perform better in the long run, debunking the myth that ESG considerations undermine financial performance. Liz also sheds light on the history and evolution of ESG investing and underscores the depth and significance of ESG beyond current market trends. https://www.honeytreeinvest.com/ https://www.linkedin.com/in/liz-simmie-2b59173/ --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area Chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and the FPA NCA do not endorse or recommend any people, products, or services featured or discussed in this podcast.

Host Belle Osvath, CFP® interviews Gabe Rissman, Co-Founder and President of YourStake a company that is utilizing AI to transform the planning industry. LinkedIn: https://www.linkedin.com/in/gabe-rissman-127ba369/ www.yourstake.org --- FPA NCA News & Events: fpanca.org --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host Belle Osvath, CFP® speaks with Jennifer Gray a mental health therapist and business coach that specializes in helping financial advisors navigate growth and evolve along with their practice. Links: Website: https://www.jennifergraycounseling.com/ Linked In: https://www.linkedin.com/in/jennifergraylpc/ Script: https://www.jennifergraycounseling.com/blog/outgrowing-clients-get-the-free-script-template FPA NCA News & Events: fpanca.org --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPA NCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

Register now! fpanca.org --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPANCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.

In this episode host, Belle Osvath, CFP®, interviews Rich Arzaga, CFP® CCIM, the Founder of The Real Estate Whisperer Financial Planning. Rich specializes in creating detailed financial plans that analyze and evaluate client real estate holdings. His approach provides valuable insight far beyond what most planners provide and has allowed him to build a thriving practice in a highly sought after niche. Rich believes that most financial planners fall short when it comes to this major asset class. He talks about his approach and how planners can get the training they need to better serve their clients. Links: Website: https://www.whisperre.com/ LinkedIn: https://www.linkedin.com/in/richarzaga/ --- FPA NCA News & Events: fpanca.org Recommend a podcast guest: https://forms.gle/nH6ngsy7TmtfZ7w17 --- The Smarter Planner Podcast is a product of the Financial Planning Association National Capital Area chapter (FPA NCA). All information is for educational and informational purposes only. Belle Osvath and/or the FPANCA do not endorse or recommend any of the people, products, or services featured or discussed in this podcast.