The Millionaire Next Door

How to protect your assets and legacy from potential financial abuse and undue influence? Do you know? In the latest edition of The Millionaire Next Door Podcast, Rob Curtiss is joined by April Rosenberry, director of estate tax and financial planning at SEIA, to explore the complexities of estate planning and the importance of comprehensive financial strategies to safeguard your wealth and loved ones. April shares her experience and insights on upcoming tax law changes while providing valuable tips to help you navigate the intricate world of estate planning. Rob and April discuss: Estate planning to protect assets and prevent financial abuse Federal estate tax laws and upcoming changes Different estate planning documents such as wills, trusts, powers of attorney, and healthcare proxy Financial elder abuse and undue influence in estate planning The value of proactive planning And more! Resources: Educational videos (bottom of the page) Connect with April Rosenberry: LinkedIn: April Rosenberry Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: April Rosenberry has been a tax attorney for over 25 years. With Bar licenses in California and New York, April specializes in estate planning, company structuring, and litigation. She has represented banks and corporations in court, earning recognition and numerous awards. April excels in developing departments for companies, expanding client offerings, and managing legal teams in law firms, financial institutions, and wealth advisory firms. She earned her Bachelor of Science in Business Administration from CSUN in 1995, a Juris Doctor from California Western School of Law in 1998, and a Master of Laws in Taxation from USD School of Law in 1999. Recognized in Modern Luxury magazine, April has received a Trifecta Award and is designated a Five Star Professional. She contributes to scholarly articles for the American Bar Association and the ACFLS Journal, in addition to speaking engagements and pro bono work for Wills for Heroes. A member of various associations, she enjoys yoga, performing arts, and traveling with her family.

In today’s rapidly evolving market landscape, investors are often confronted with the challenge of making informed decisions amidst a plethora of options and the noise of market fluctuations. In this insightful episode of The Millionaire Next Door, Robert Curtiss is joined by certified financial analyst and ETF analyst at First Trust, Ryan Issakainen. Together, they jump into the intricacies of thematic investing — a strategy that can potentially offer investors a pathway to capitalize on emerging market trends. By dissecting the impact of behavioral biases on investment choices, Ryan provides listeners with strategies to identify undervalued companies that may thrive even in light of economic downturns. Rob and Ryan discuss: Thematic investing and market opportunities The composition of ETFs and the importance of quality and risk management in investment decisions The future of infrastructure investment and the strategic shift in supply chains within the United States Looking beyond the S&P 500 for investment opportunities Cybersecurity as an increasingly vital investment theme And more! Resources: Educational videos (bottom of the page) Connect with Ryan Issakainen: LinkedIn: Ryan Issakainen First Trust First Trust Investment Insights Blog Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Ryan Issakainen is in his 25th year at First Trust, where he serves as the ETF Strategist. Throughout his enduring tenure, Ryan has solidified his position as a dedicated professional committed to guiding investors through the complexities of the market. In his role, he focuses on providing insightful perspectives to help investors navigate the multitude of available choices, aiming to align ETF selections with their specific investment objectives. With a wealth of experience, Ryan’s strategic approach involves meticulous analysis of market trends and fund performance, making him a trusted advisor. His enduring commitment to empowering investors reflects not only his financial acumen but also his genuine passion for assisting clients in realizing their financial goals within the dynamic landscape of investment opportunities. Ryan Issakainen’s journey at First Trust stands as a testament to his expertise and unwavering dedication in the ever-evolving world of finance.

Alternative investments are investments that only some people hear about often. But we can change that… With a commitment to assist clients throughout their investment journey, in this episode of The Millionaire Next Door, Robert Curtiss sits down with Joe Carey, alternative investment specialist at Signature Estate & Investment Advisors, LLC. Rob and Joe explore the role of alternative investments in portfolio diversification, covering private equity, private credit, real estate, and hedge funds. They tackle the complexities and due diligence required in these less regulated spaces, emphasizing the importance of professional guidance. Talking points include: What are alternative investments Characteristics and challenges associated with alternative investments Benefits and risks linked to less liquid and less regulated assets Recommendations for portfolio allocation And more! Resources: Educational videos (bottom of the page) The Benefits of 1031 Exchanges for Real Estate Investors with Joe Carey, CFA® (Ep. 40) Connect with Joe Carey: LinkedIn: Joe Carey (213) 370-0332 Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: In May 2018, Joe Carey earned his Bachelor of Science Degree in Finance at Siena College, achieving the Academic Excellence Award – Finance, which is awarded annually to the graduating student with the highest program GPA. Since graduating, he has committed to continuing his education through enrollment in the CFA Program, obtaining his charter in 2022. Currently, Joe is an Investment Officer at NYSTRS in the Investment Risk division, where he focuses on the ~$150 billion portfolio’s active risk, liquidity position, solvency during stressed markets, and asset allocation mix. Additionally, Joe is a leading member in the development of NYSTRS’ climate risk strategy, reporting, and assessment processes.

Have you considered the significance of safeguarding your capital and managing risks during retirement? How does capital preservation play a role in maintaining a stable stream of income? Join Rob Curtiss and his guest, David Marra, Co-Founder and Chief Investment Officer at Markin Asset Management, LP, as they navigate the connection between finance and technology, specifically delving into David’s expertise in quantitative investment research and machine learning. But that’s not everything! David and Rob also explore the importance of capital preservation and effective risk management, focusing on ensuring a stable stream of retirement income. Rob and David touch on: David’s career and how it led to his focus on capital preservation and quantitative investment research The importance of capital preservation leading up to retirement Mitigating risk during market volatility Ways the pandemic impacted investment strategies And more! Resources: Educational videos (bottom of the page) Connect with David Marra: LinkedIn: David Marra Markin Asset Management Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: David Marra is the Chief Investment Officer at Markin Asset Management, LP. David has been an invited speaker on quantitative asset management at numerous family offices, hedge funds, conferences, and organizations, including ALTSLA, NAPFA, and the Financial Planning Association (FPA). Throughout his career, David has developed a unique ability to explain complex portfolio concepts in a language allocators can use in client communications. David previously founded a quantitative research firm serving institutional asset managers and funds. His three decades of experience include advising C-level executives at some of the world’s leading asset management and pharmaceutical firms as a Principal with The Boston Consulting Group (BCG). Earlier in his career, he was the Founder & CEO of a search engine technology firm overseeing over 70 researchers and technologists. David received an MBA from the University of Chicago, Booth School of Business, where he was a Fellowship recipient.

We like to plan for education, weddings, raising children, and even retirement. But no one likes to plan for (or even talk about) the end of life. It’s overwhelming…but also immensely important! Join host Robert Curtiss and returning guest Pat Miles Zimmerman, author of “Before All Is Said and Done: Practical Advice on Living and Dying Well,” as they highlight the numerous challenges that follow the unexpected death of a loved one and help you plan for them — so you don’t have to learn them the hard way. Rob and Pat explore: The need to overcome denial of death and plan ahead, irrespective of age Personal stories and advice from Pat’s book The importance of attending to the details (e.g., managing passwords and subscriptions) How an intention letter can avoid major family conflicts down the road How to NOT leave behind a “trail of tears” for your loved ones after you’re gone And much more! Resources: Educational videos (bottom of the page) “Before All Is Said and Done: Practical Advice on Living and Dying Well” by Pat Miles Zimmerman and Suzanne Watson “From A Bird’s Eye View” by Suzanne Watson Let’s Communicate Before We’re Gone With Pat Miles Zimmerman (Ep. 31) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Pat Miles Zimmerman, esteemed for her professionalism by viewers, listeners, and colleagues, became one of the Minneapolis region’s premier television news anchors and radio talk hosts. After earning her master’s degree in journalism at the University of Missouri, Pat worked in both radio and television news in Colorado before joining WCCO TV in 1978 as a reporter and weekend anchor. Her intelligent reporting and authoritative delivery soon brought her to the anchor desk of WCCO’s 5:00 PM and 10:00 PM newscasts. She covered every major news event for WCCO TV but was most proud of A Time to Weep, her documentary on the famine in Africa. In 1990, she moved to KARE TV, where she anchored the 5:00 PM and 6:00 PM newscasts and developed A Pat Miles Special, using her writing and interviewing prowess to tell the stories of notable Minnesotans. When she left TV news in 2001, she fulfilled a lifelong dream by becoming the host of The Pat Miles Show on weekday mornings on WCCO Radio. A role model for women in the industry, Pat has received numerous honors for her work in broadcasting and the community, including the National Television Academy’s Silver Circle Award. She is also in the Minnesota Broadcasting Hall of Fame.

Wealth isn’t about just numbers… Would you agree? Join host Robert Curtiss and special guest Tyson Ray, CFP®, CExP®, and CIMA® from FORM Wealth Advisors in this eye-opening episode of The Millionaire Next Door! Together, they unravel the lesser-known aspects of wealth management while talking about their approach to guiding individuals toward a life of choice and comfort beyond the balance sheet. Rob and Tyson explore: Changing the meaning of financial success to match wealth with personal goals and dreams Moving from careful saving to spending with confidence The value of client-advisor communication when planning for a strong financial future The role of financial advisors when helping their clients create meaningful legacies and increasing the happiness that comes from their wealth Key lessons from Tyson’s book “The Total Relationship” And much more! Resources: Educational videos (bottom of the page) Trust and Transparency: The Foundation of a Successful Advisor-Client Relationship with Mike Cy (Ep. 39) “The Total Relationship” by Tyson Ray “Tuesdays with Morrie” by Mitch Albom Connect with Tyson Ray: LinkedIn: Tyson Ray FORM Wealth Advisors 262-686-3005 Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: FORM Wealth Advisors | CEO, Founding Partner, Senior Wealth Advisor Over the past 25+ years, Tyson Ray has sought to expand his knowledge and expertise through Yale School of Management, Investment Management Theory & Practice, CIMA Certification Registration Education Program, including obtaining the Certified Investment Management Analyst® (CIMA®) Certification and through the College for Financial Planning for the CFP® Certification, including obtaining CERTIFIED FINANCIAL PLANNER Certification. Tyson received his Certification in Business Exit Planning to better help entrepreneurs and business owners make the transition of selling their life’s work. Tyson has been named a 2018-2023 Forbes Best-in-State Wealth Advisor**, 2021-2023 Barron’s Top 1200*, and a 2005-2023 Chairman’s Council Advisor***. He is also a member of the Financial Planning Association of Wisconsin. He has been recognized for his many philanthropic endeavors in the community, including the Invest in Others Global Community Impact Award and REP. Magazine’s Advisor with a Heart Award for Sustainable Charity for his ongoing work with Ray’s non-profit, Children’s World Impact. Securities through Raymond James Financial Services, Inc. Member FINRA / SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors Inc. FORM Wealth Advisors is not a registered broker/dealer and is independent of Raymond James Financial Services. Raymond James and its advisors do not provide tax advice. Form Wealth Advisors is located at 431 Geneva National Ave S, Lake Geneva, WI, 53147 and you can reach the office at 262-686-3005. Tyson Ray was named to the 2018, 2019, 2020, 2021, 2022, and 2023 edition of the Forbes Best-In-State Wealth Advisors. Barron’s Top 1,200 Financial Advisors 2023, is based on the period from 09/30/2021 – 09/30/2022 and was released on 03/15/2023. 5,630 nominations were received and 1,200 won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://www.raymondjames.com/awarddisclosures/#2023-barrons-top-1200. Tyson Ray was named to the 2018, 2019, 2020, 2021, 2022, and 2023 edition of the Forbes Best-In-State Wealth Advisors. 2023 Forbes Top Wealth Advisors Best-In-State, developed by Shook Research, is based on the period from 6/30/2021 to 6/30/2022 and was released on 4/4/2023. 39,007 nominations were received and 7,321 advisors won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://go.rjf.com/3KsXbF7. Please see https://www.forbes.com/best-in-state-wealth-advisors for more info. Tyson Ray was named as a Chairman’s Council Advisor, 2005-2023. Membership is based on prior fiscal year production. Re-qualification is required annually. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of advisor’s future performance. No fee is paid in exchange for this award/rating.

Have you heard about 1031 exchanges? Leveraging this strategy correctly could help investors sell and reinvest without facing capital gains taxes — thereby preserving wealth. Join Robert Curtiss with guest Joe Carey, alternative investment specialist at Signature Estate & Investment Advisors, LLC, as they talk about the benefits and complexities of 1031 exchanges, a tax deferral strategy for real estate investors. Rob and Joe discuss: When should real estate investors consider using a 1031 exchange as a tax deferral strategy Why would clients benefit from utilizing a 1031 exchange What are the costs associated with different types of Delaware Statutory Trusts (DSTs) Ways 1031 exchanges add value to long-term wealth planning And more! Resources: Educational videos (bottom of the page) Connect with Joe Carey: LinkedIn: Joe Carey Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: In May 2018, Joe Carey earned his Bachelor of Science Degree in Finance at Siena College, achieving the Academic Excellence Award – Finance, which is awarded annually to the graduating student with the highest program GPA. Since graduating, he has committed to continuing his education through enrollment in the CFA Program, obtaining his charter in 2022. Currently, Joe is an Investment Officer at NYSTRS in the Investment Risk division, where he focuses on the ~$150 billion portfolio’s active risk, liquidity position, solvency during stressed markets, and asset allocation mix. Additionally, Joe is a leading member in the development of NYSTRS’ climate risk strategy, reporting, and assessment processes.

Advisors, are you currently evolving your business? What opportunities and information might your clients miss if you don’t continue growing your practice? This week, Rob Curtiss brings back Mike Cy, a returning guest and business consultant at Pareto Systems. Rob and Mike discuss the importance of communication and building relationships with clients and explain why it is valuable to both of them. Listen in as they touch on the value of aligning and personalizing services to their client’s unique needs while addressing all things market volatility, geopolitical tensions, and alternative investment strategies. Rob and Mike explore: Reasons advisors should continually evolve their financial advisory practice depending on their client’s unique needs Client engagement as an essential financial planning component The comprehensive role of a financial advisor beyond basic financial advice And more! Resources: Educational videos (bottom of the page) Let’s Communicate Before We’re Gone With Pat Miles Zimmerman (Ep. 31) Here’s What You Need To Know About Value-added Service Teams With Mike Cy (Ep. 27) Being Coachable With Mike Cy (Ep. 16) Connect with Mike Cy: LinkedIn: Mike “Cy” Cajthaml Jr. LinkedIn: Pareto Systems Pareto Systems Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Mike “Cy” Cajthaml Jr. has enjoyed a 14-year career in the financial services industry. Mike is a passionate and energetic leader who enjoys developing business refinement and practice management strategies and thrives on helping his clients achieve their goals. He got his start in the industry at a large insurance marketing organization, where he consulted financial advisors across the country with product and marketing solutions for their businesses. It was during his time with this firm that he was introduced to Pareto Systems and began learning about the Pareto Process. After six years of coaching and consulting advisers, Mike decided to become a financial advisor himself and built a practice with his father in Overland Park, KS. Together, they managed millions of dollars of assets and utilized various insurance-based products. In an incredibly competitive marketplace, Mike knew the value of creating professional contrast and began implementing many of Pareto’s processes.

Having a retirement plan is the first step in building your future. But do you have the right plan? How can small parts of a plan work together to transform a few hundred thousand into a seven-figure retirement fund? Get ready to explore retirement planning, wealth accumulation, and tax deduction strategies with Jordan Cross, the president of CrossPlans. In this episode, Jordan joins Rob Curtiss to talk about the current state of qualified retirement plans, why individuals need to start planning for retirement, and the role of financial advisors when it comes to building those plans with their clients. Jordan discusses: How he got started in the financial planning industry Why advisors and their clients need to start taking retirement planning more seriously How qualified retirement planning can benefit business owners Ways we can contribute to the growing technology industry And more! Resources: Educational videos (bottom of the page) “The Prof G Pod with Scott Galloway” The Secure Act 2.0 and its Retirement Planning Changes with Emily Vincent (ep. 24) Connect with Jordan Cross: LinkedIn: Jordan Cross CrossPlans Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Jordan Cross was born and raised in Orange County, California. He graduated from the University of California, San Diego, with a double major in Political Theory and Sociology. In January 2009, after working for a professional baseball agency assisting the firm with client acquisition and number-crunching contract negotiations, Jordan decided to join Jack A. Cross & Associates, Inc. when the firm was just over two years old. Starting with loans, distributions, and trust accounting, Jordan has moved through all administrative layers of the organization and is now an equity partner in the firm. In addition to day-to-day duties, Jordan spearheads CrossPlan’s business development, sales, and marketing while focusing on the growth and retention of the firm’s clients and centers of influence.

At 37 episodes, The Millionaire Next Door Podcast has explored a multitude of topics, from financial planning tips to life-changing experiences and lessons. Each conversation contains helpful information and resources you can use and refer to! In this episode, Rob Curtiss shares his top-of-mind topics, ranging from general finances to estate, tax, and investment planning. Rob highlights how different aspects of planning evolve with changing needs and how his podcast provides valuable advice for existing and potential clients. Rob discusses: How his podcast and the stories on it can help people learn beneficial financial lessons The process behind estate planning and the importance of frequent updates Strategies when navigating investments and tax implications The value of regular client-advisor communication and check-ins And more! Resources: Educational videos (bottom of the page) Revolutionizing Financial Planning For The Aging Population with Tom West (Ep. 36) Is Private Lending the Future of Investments? with Phil Hasbrouck (Ep. 35) Let’s Communicate Before We’re Gone with Pat Miles Zimmerman (Ep. 31) Here’s What You Need To Know About Estate Planning with Jeff Brooks (Ep. 21) (estateplanning) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

Whether you or a loved one is reaching a point where you need more care, it may be challenging (but not impossible!) to find the right plan for your needs. What strategy is the best? How much will it cost? Should you move to a senior home or hire caretakers? In this episode, Rob Curtiss is joined by a fellow SEIA colleague from the East Coast, Tom West, who has developed a process to address the challenges of medical care and aging. Rob and Tom cover the importance of navigating dynastic issues within families and the need for financial advisors to understand and meet the changing financial needs of senior clients as their health changes. Tom discusses: The importance of addressing and shifting priorities when it comes to caregiving Reasons caregiving impacts the caregiver’s health and the value of support and respite for them, too What you need to know about Life Care Affordability Planning® and its focus on medical prognosis and planning for care The value of having a methodical process (such as estate planning documents) in place Some of the challenges faced by the aging population and the impact the pandemic has had on senior housing and the healthcare industry And more! Resources: Educational videos (bottom of the page) Connect with Tom West: LinkedIn: Tom West [email protected] Life Care Affordability Planning® Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Thomas C. West, CLU®, ChFC®, AIF®, is a Senior Partner in SEIA’s Virginia office. Tom has a robust wealth management practice that emphasizes cash flow in all stages of retirement with an emphasis on planning and asset management for families facing the challenge of health-related dependency due to disability, illness, or death. Tom also has significant experience in issues related to suitable and ethical financial strategies for incapacitated seniors.

Are you interested in exploring the future of the financial and investment landscape and the contribution the private lending arena can bring to the field? In this episode, Rob Curtiss is joined by Phil Hasbrouck, the co-head of Cliffwater’s asset management business. Phil sheds light on the growing private lending market and what Cliffwater brings to the space. Phil also explains the opportunities and risks associated with investing in private debt, emphasizing the importance of conservative underwriting and its ability to navigate economic downturns. Phil explores: How private lending has grown to the multimillion-dollar market it is today The importance of understanding the risks associated with private lenders Some risks and return characteristics of private lending The fees and cost savings that come with working with firms like Cliffwater And more! Resources: Educational videos (bottom of the page) Connect with Phil Hasbrouck: LinkedIn: Phil Hasbrouck Cliffwater [email protected] Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Phil Hasbrouck is the co-head of Cliffwater’s asset management business. In this role, Phil leads the firm’s asset management distribution efforts and is involved with product development and positioning, business development, and managing client relationships.

Have you ever come across a news article that highlights the latest investment opportunities? Or seen news reports warning about certain stocks that could impact your portfolio? The real question you should be asking is if that information truly benefits your portfolio and long-term goals. In this episode, Robert Curtiss discusses the importance of a well-diversified portfolio and long-term investment goals. He reveals the role of the media in investment decisions, how it can generate panic and lead to bad investment choices as well as how the media focuses on viewership rather than good investment advice. Rob explores: His very own noise-canceling headphones analogy and how it relates to the media when it comes to investments The Objective, Unemotional, and Rules-Based (OUR) process and its approach to creating a defined view of investment data The value of researching your options and filtering out the noise Reasons it’s important to pay attention to trends in the stock market Different sectors to invest in depending on short and long-term investment goals And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

Financial and investment advisors are all about creating the best financial plan for their client’s needs. But how does Signature Estate and Investment Advisors (SEIA) set themselves apart from the crowd? In this episode, Robert Curtiss is back to basics! Rob talks about SEIA’s services and approach while emphasizing their independence and fiduciary responsibility to prioritize clients’ best interests. Tune in and explore the firm’s investment strategies to help clients gain the most from their portfolios. Rob discusses: What it means to be a full fiduciary and independent wealth management firm The importance of having regular conversations with clients when building their financial and investment plan Why alternative investments and private debt could be beneficial investments SEIA’s ideal clients How he builds personalized relationships with his clients, and why And more! Resources: Educational videos (bottom of the page) Exploring The Benefits of Direct Indexing with Sam Miller, CFA®, CFP®, CAIA® (Ep. 26) The Role of Alternative Investments In Investment Planning with Sam Miller, CFA®, CFP®, CAIA® (Ep. 29) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

Think about what attracts us to products: From the people talking about it to the social media content promoting it. The truth is that content creators and content creation plays a significant role in successful marketing and promotion. In this episode, Robert Curtiss speaks with Chase Griffin, a student-athlete and national NIL athlete of the year. Chase reveals how he built himself up as a brand ambassador and what his role means for companies looking to work with him. Listen in as Chase details how students are becoming more involved with marketing strategies through social media and how student-athletes are joining in. Chase discusses: Name, image, and likeness (NIL) as an economic pathway to athletes and his involvement in it His journey to becoming a student-athlete, brand ambassador, and content creator Reasons branding and content creation are becoming so widespread among college and university students Some of his experiences as a student brand ambassador How his experience is shaping his future career The value of authenticity and storytelling And more! Resources: Educational videos (bottom of the page) Connect with Chase Griffin: LinkedIn: Chase Griffin Instagram: @ChaseQB11 Twitter: @ChaseQB11 Chase Griffin Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

Can you imagine being in a situation where your spouse passes away, and you have no idea about their finances? It can be an overwhelming and complex journey, to say the least. In this episode, Pat Miles Zimmerman joins Rob Curtiss to talk about her experience losing her husband and the struggle of sorting out financial and legal components while navigating the fog of grief. Sharing valuable insights from her book, “Before All Is Said And Done,” Pat reveals what she didn’t know about her husband’s estate and the problems that surfaced from the lack of information she first had access to. Pat discusses: How she lost her husband and why she chose to share her experience The value of having a written record of your financial plans Why you should consider writing an ‘intention letter’ The cost of not communicating with your loved ones From passwords to the key of your safety deposit box: Tips and tricks to getting organized And more! Resources: Educational videos (bottom of the page) “Before All Is Said And Done” by Pat Miles Zimmerman “Young Forever: The Secrets to Living Your Longest, Healthiest Life” by Dr. Mark Hyman MD Measuring Longevity Risk: Here’s What You Need To Know About SEIA’s Wealth GPS with Julia Fahlen (Ep. 28) Connect with Pat Miles Zimmerman: Facebook: Pat Miles Zimmerman Before All Is Said And Done Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Pat Miles Zimmerman, esteemed for her professionalism by viewers, listeners, and colleagues, became one of the Minneapolis region’s premier television news anchors and radio talk hosts. After earning her master’s degree in journalism at the University of Missouri, Pat worked in both radio and television news in Colorado before joining WCCO TV in 1978 as a reporter and weekend anchor. Her intelligent reporting and authoritative delivery soon brought her to the anchor desk of WCCO’s 5:00 PM and 10:00 PM newscasts. She covered every major news event for WCCO TV but was most proud of A Time to Weep, her documentary on the famine in Africa. In 1990, she moved to KARE TV, where she anchored the 5:00 PM and 6:00 PM newscasts and developed A Pat Miles Special, using her writing and interviewing prowess to tell the stories of notable Minnesotans. When she left TV news in 2001, she fulfilled a lifelong dream by becoming the host of The Pat Miles Show on weekday mornings on WCCO Radio. A role model for women in the industry, Pat has received numerous honors for her work in broadcasting and the community, including the National Television Academy’s Silver Circle Award. She is also in the Minnesota Broadcasting Hall of Fame.

We all want to save as much as possible before heading into retirement. So, how to protect the wealth we save from high tax rates? In this episode, Robert Curtiss is joined by Tony Watson, senior tax consultant at Robert Hall & Associates. This week, Tony explains how to protect wealth and decrease taxation. He also unpacks some corporate strategies while detailing how transforming a corporation into an LLC provides new opportunities to secure wealth for the future. Rob and Tony discuss: When is a good time to incorporate entities into investment plans How taxation through a corporation differs from self-employed taxes The benefits of self-employment taxation Reasons insurance is not a substitute for entity structures The importance of working with a professional when developing new tax strategies The value of planning ahead And more! Resources: Educational videos (bottom of the page) The Many Facets of Insurance: Here’s What You Need To Know with Dana Dattola (Ep. 25) Connect with Tony Watson: LinkedIn: Tony Watson Robert Hall & Associates Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Tony Watson manages clients with over 350 million dollars in real estate holdings and has spoken for hundreds of trade organizations throughout the state of California. Holding a federal license as an Enrolled Agent tax practitioner, Tony can advise, represent, and prepare tax returns for individuals, partnerships, corporations, and any other entity with tax-reporting requirements. Currently, Tony holds educational workshops helping his clients navigate the complex tax environment for real estate investors. Aside from his full-time position at Robert Hall & Associates, Tony is an active real estate investor and entrepreneur and enjoys short and long-term trading. With over a decade and a half of experience, Tony (along with his team at Robert Hall & Associates) actively looks for the newest and most up-to-date strategies to implement on client tax filings.

With market volatility and political uncertainty being a few reasons, the truth is that the investment market doesn’t always cooperate with our portfolios. But as an advisor, how can alternative investments protect our client’s portfolios? Do you know? In this episode, Robert Curtiss speaks with Sam Miller, the director of research and marketing at Signature Estate & Investment Advisors (SEIA). Sam talks about the role of alternative investments in building (and diversifying) a portfolio and the ways they are being integrated within existing client investment plans. Sam discusses: What you need to know about alternative investments The four key tenets of SEIA’s due diligence process What kind of income and volatility do alternative investments face compared to public stock markets How institutional investment strategies have trickled down to investment advisory firms and the changes that have been made for individuals rather than institutions The value of identifying what’s important to your clients And more! Resources: Educational videos (bottom of the page) Connect with Sam Miller: LinkedIn: Sam Miller Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Sam Miller, CFA®, CFP®, CAIA® is the Director of Research & Marketing and a member of the SEIA investment management and research department, where he contributes thought leadership and expertise to the due diligence, portfolio construction, and investment selection processes. He works closely with SEIA’s Investment Committee to formulate and communicate opinions on the economic and investment environment.

Your health and longevity play a crucial role when it comes to your financial future, especially when it comes to retirement planning. Get ready to explore the fascinating world of longevity risk and why it’s becoming an increasingly important topic for people of all ages in this episode of The Millionaire Next Door. This week, Robert Curtiss is joined by fellow team member and wealth coordinator at SEIA, Julia Fahlen, to unpack the ins and outs of the firm’s Wealth GPS and its role in measuring their clients’ longevity risk to ensure they don’t run out of money in retirement. Rob and Julia discuss: Ways SEIA Wealth GPS provides a holistic approach to evaluating their clients’ financial picture The firm’s cash flow modeling system and reasons it’s a critical component when it comes to financial planning Tips for handling finances (and spending) going into and in retirement The value of being mindful of your finances And more! Resources: Educational videos (bottom of the page) Connect with Julia Fahlen: LinkedIn: Julia Fahlen Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Julia Fahlen, CPA, is a Wealth Coordinator in SEIA’s Pasadena office. She assists with gathering information needed to create client profiles for financial reports and plans. Previously, Julia worked at Deloitte Tax LLP in the National Federal Tax Services group, assisting companies deduct transaction costs.

Professionals collaborating with other professionals can lead to more creative solutions, more innovative ideas, and ultimately better results for advisors and their clients. In this episode, Rob Curtiss is joined by returning guest and business consultant at Pareto Systems, Mike Cy, to talk about value-added service teams while referring to the importance of advisors collaborating with like-minded advisors to achieve the best outcomes for their clients. Listen in and discover how Rob’s relationship with his clients goes beyond their investments and the ways he leverages strategic partnerships within his business. Rob and Mike discuss: Ways the financial planning strategy they have been building together can benefit you and your clients Why (and how) to incorporate life coaching aspects into your client’s financial planning process Tips and tricks you need to build valuable connections with other professionals within your industry And more! Resources: Educational videos (bottom of the page) Being Coachable with Mike Cy (Ep. 16) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Mike Cy: LinkedIn: Mike “Cy” Cajthaml Jr. LinkedIn: Pareto Systems Pareto Systems About Our Guest: Mike “Cy” Cajthaml Jr. has enjoyed a 14-year career in the financial services industry. Mike is a passionate and energetic leader that enjoys developing business refinement and practice management strategies and thrives on helping his clients achieve their goals. He got his start in the industry at a large insurance-marketing organization where he consulted financial advisors across the country with product and marketing solutions for their businesses. It was during his time with this firm that he was introduced to Pareto Systems and began learning about the Pareto Process. After six years of coaching and consulting advisers, Mike decided to become a financial advisor himself and built a practice with his father in Overland Park, KS. Together they managed millions of dollars of assets and utilized various insurance-based products. In an incredibly competitive marketplace, Mike knew the value of creating professional contrast and began implementing many of Pareto’s processes.

Want to know how to personalize and customize your investment portfolio while potentially gaining tax benefits? Let us introduce you to direct indexing! In this episode, Robert Curtiss sits down with Sam Miller, the director of research and marketing at Signature Estate & Investment Advisors (SEIA), to talk about direct indexing and its advantages for investors. Listen in as they delve into various cases of direct indexing, including its tax benefits, ESG customization, and active engagement with companies. Sam discusses: Direct indexing and how it allows investors to personalize and customize their portfolio with individual stocks while applying ESG aspects Various cases of direct indexing, including setting a tax budget, customizing portfolios based on ESG or faith-based values, and active engagement with companies through proxy voting The minimum required for direct indexing Direct indexing as a flexible and customizable tax-efficient tool (which can be used in various investment scenarios, including in IRAs). And more! Resources: What You Should Know About ESG and SRI in Investment Planning with Sam Miller, CFA®, CFP®, CAIA® (Ep. 23) Educational videos (bottom of the page) Connect with Sam Miller: LinkedIn: Sam Miller Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Sam Miller, CFA®, CFP®, CAIA® is the Director of Research & Marketing and a member of the SEIA investment management and research department, where he contributes thought leadership and expertise to the due diligence, portfolio construction, and investment selection processes. He works closely with SEIA’s Investment Committee to formulate and communicate opinions on the economic and investment environment.

Planning out your insurance can widely vary, from home to auto, business, and even cyber security insurance. What to consider when planning or adding someone to your insurance policy? Do you know? In this episode, Rob Curtiss speaks with Dana Dattola, a business insurance broker at Weaver & Associates. Dana details the ins and outs of insurance policies and outlines how it fits within financial and tax planning. Listen in as Dana shares tips for managing and understanding your insurance policy while highlighting some must-know tips to increase your insurance protection. Dana discusses: The most important tips you need to know about insurance How moving assets into an LLC changes an insurance coverage The insurance coverage that’s often missed and neglected by business owners The importance of maintaining documentation when it comes to home updates and renovations What you should know about commercial, property, and cyber security insurance And more! Resources: Educational videos (bottom of the page) Connect with Dana Dattola: [email protected] LinkedIn: Dana Dattola Weaver & Associates Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Dana Dattola is a Certified Insurance Consultant (CIC) and Certified Risk Manager (CRM). Born & Raised in Los Angeles, she is a third-generation property & casualty insurance broker. Weaver & Associates specializes in assisting growth-focused Southern California-based businesses where the owner(s) are actively involved in the operations and value a culture of safety and improvement.

The age requirement is only one of the changes made in the SECURE Act 2.0. In this episode, Robert Curtiss is joined by Emily Vincent, President of Douglas M. Farr and Company. Emily unpacks the retirement planning changes reflected in the SECURE Act 2.0. Additionally, when it comes to businesses and business owners, Emily reveals how the size of the company impacts the benefits of providing retirement plans to employees. Emily discusses: How the changes to the SECURE Act 2.0 impacts older retirement plans Who is included in the automatic opt-in for company retirement accounts How to make the most out of company retirement accounts Ways the SECURE Act 2.0 is changing its approach towards spousal-related companies What you should know about Long-Term Part-Time Employees (LTPTs) And more! Resources: Educational videos (bottom of the page) SECURE Act 2.0: Here’s What To Do Differently in 2023 (Ep. 22) Connect with Emily Vincent: LinkedIn: Emily Vincent Douglas M. Farr and Company Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: President of Douglas M. Farr & Company, Inc, Emily Vincent’s focus is retirement plan design and administration for businesses with 1-500 employees.

The idea of aligning our money with our goals is a common practice. However, the focus today is aligning our investments with what we are truly passionate about. In this episode, Robert Curtiss is joined by Sam Miller, the director of research and marketing at Signature Estate & Investment Advisors (SEIA). Together they unpack the impact of environmental, social, and governance (ESG) and socially responsible investing (SRI) within portfolio planning and how personal beliefs influence investment planning. Sam discusses: How the term ESG entered the mainstream media The value of aligning our ESG and SRI investments with what we are passionate about How to implement ESG and SRI investments within our portfolio What you should know about the different financial planning vehicles and their role in how financial plans are built And more! Resources: Educational videos (bottom of the page) Connect with Sam Miller: LinkedIn: Sam Miller Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Sam Miller, CFA®, CFP®, CAIA® is the Director of Research & Marketing and a member of the SEIA investment management and research department, where he contributes thought leadership and expertise to the due diligence, portfolio construction, and investment selection processes. He works closely with SEIA’s Investment Committee to formulate and communicate opinions on the economic and investment environment.

The SECURE Act 2.0 has brought significant changes to retirement planning in 2023 and beyond, especially in IRA and 401(k) plans. In this episode, Robert Curtiss shares key highlights from the SECURE Act 2.0 and how you can use the new provisions to save in taxes, contribute more effectively to your retirement accounts, and improve your overall retirement picture. Rob discusses: How’s the SECURE Act 2.0 impacting required minimum distributions (RMDs) When you might be able to accelerate your retirement savings Legislative changes starting in 2024 (which you should start thinking about now) Major changes around 529 plans, catch-up contributions, and Roth conversions And more! Resources: Educational videos (bottom of the page) The Guide You Need to Take Advantage of Your Retirement Planning Benefits with Kevin Manahan, ASA, EA, MSEA (Ep.13) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

As time passes, client needs (and government regulations) surrounding retirement accounts change. So, what are some considerations advisors need to think about when it comes to building future retirement accounts? In this episode, Robert Curtiss looks into the future. From company improvements to how government changes to retirement accounts will impact 401(k) contributions. Rob shares how he balances service to others with service to himself while still focusing on providing clients the financial care they need. Rob discusses: His approach to creating an impeccable experience for his clients What makes him different from other practices His focus on financial planning as the needs of his client base shifts Ways the increase in retirement contribution will change retirement planning And more! Resources: Educational videos (bottom of the page) Looking Into The Future of The Millionaire Next Door (Ep.18) The “Huberman Lab” Podcast “Future Shock” by Alvin Toffler Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

Building tax strategies around investment plans provide a layer of security to reduce the cost of returns while allowing you to further invest that money. In this episode, Robert Curtiss is joined by Sam Miller, the director of research and marketing at Signature Estate & Investment Advisors (SEIA). Sam unpacks the different types of investment options clients can consider, how they fit within portfolio planning, and the importance of including a tax planner in your investment planning. Sam discusses: His role at SEIA and his approach to portfolio construction and investment selection How he separates alternative investments based on how fiduciarily responsible they are for their clients What additional elements have opened up in the wake of inflation to diversify portfolios Strategies to liquefy a singular long-term investment while avoiding a huge tax cost The tax planning associated with capital gains and qualified opportunity zone funds And more! Resources: Educational videos (bottom of the page) Connect with Sam Miller: LinkedIn: Sam Miller Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Sam Miller, CFA®, CFP®, CAIA® is the Director of Research & Marketing and a member of the SEIA investment management and research department, where he contributes thought leadership and expertise to the due diligence, portfolio construction, and investment selection processes. He works closely with SEIA’s Investment Committee to formulate and communicate opinions on the economic and investment environment.

With everything that has happened in the past few years, financial planning firms have evolved — not only in the way they serve but also in where they are heading. In this episode, Robert Curtiss explores the past and future of his practice. He shares some areas his firm has expanded on, touching on aspects outside of traditional finance, such as his podcast and all things client experience. Rob discusses: The elements he has added to his practice for the benefit of his clients Ways he develops the relationship with clients to make the financial planning process easier Some financial planning improvement areas he’s looking to focus on A new way to look at actions taken today and how they will bloom in the future What you should know about his practice management approach And more! Resources: Educational videos (bottom of the page) Being Coachable with Mike Cy (Ep. 16) Jim Rohn C.S. Lewis Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

Humans have a longer life expectancy today compared to the last 20 years. However, the cost of long-term care and an increase in patients with dementia and Alzheimer’s has changed the way we consider long-term care planning. In this episode, Anthony Ridd from Crump Life Insurance Services joins Robert Curtiss to explain the role of long-term care planning when it comes to financial planning. Anthony shares how the current life expectancy and a higher consciousness towards mental and physical health play a role in the what, when, where, and how of long-term care. Rob and Anthony discuss: How to start the conversation around long-term care policies and funding options When is the right time to start planning for long-term care Ways health conditions such as dementia and Alzheimer’s have impacted the way people plan for long-term care Return of premiums and ways they fit within long-term care planning And more! Resources: Educational videos (bottom of the page) Connect with Anthony Ridd: [email protected] LinkedIn: Anthony Ridd Crump Life Insurance Services Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Anthony Ridd is with Crump Insurance Services, a national insurance broker-dealer. His role is to support a select group of financial professionals, including Robert Curtiss and SEIA, in the area of risk management. Robert regularly uses his services and brings him in where appropriate for client conversations as part of his Value Added Support Team (VAST).

Whether it’s sports or business, a good coach or mentor can help you challenge yourself and raise the bar for your professional growth. A year ago, Robert Curtiss started working alongside a coach to up his business and come up with several systems and processes to better serve clients. In this episode, Rob sits down with his business coach Mike Cy from Pareto Systems. They unpack the importance of being coachable as a business leader while unveiling the pandemic and its role in helping advisors adapt to a new business model. Robert and Mike discuss: The value of working outside of your comfort zone Reasons the second generation found money is different from the first generation earned money The importance of focusing on what you can control Ways a refined and developed business process can help you better serve your clients Client experience and tips on building a valuable client-advisor relationship How to determine if clients and advisors are the right fit for each other And more! Resources: Educational videos (bottom of the page) Finding The Right Fit (Ep. 12) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Mike Cy: LinkedIn: Mike “Cy” Cajthaml Jr. LinkedIn: Pareto Systems Pareto Systems About Our Guest: Mike “Cy” Cajthaml Jr. has enjoyed a 14-year career in the financial services industry. Mike is a passionate and energetic leader that enjoys developing business refinement and practice management strategies and thrives on helping his clients achieve their goals. He got his start in the industry at a large insurance-marketing organization where he consulted financial advisors across the country with product and marketing solutions for their businesses. It was during his time with this firm that he was introduced to Pareto Systems and began learning about the Pareto Process. After six years of coaching and consulting advisers, Mike decided to become a financial advisor himself and built a practice with his father in Overland Park, KS. Together they managed millions of dollars of assets and utilized various insurance-based products. In an incredibly competitive marketplace, Mike knew the value of creating professional contrast and began implementing many of Pareto’s processes.

The role of an HR professional has changed over the past few decades. While hiring the best talent is just one aspect of the job, the role of the human resources specialist now covers everything from legal compliance to workforce motivation. In this episode, Annissa Deshpande, the CEO of lōglab, LLC, joins Rob Curtiss to unpack the four aspects of modern human resources. Annissa outlines how she has combined her knowledge and creativity to write a fiction novel about modern HR while navigating everything you need to know about hiring in this post-pandemic era. Annissa discusses: Her definition of modern HR and its application to businesses Culture, organization, people, and rewards as the four dimensions of modern HR Why company CEOs should read online reviews about their company The value of businesses knowing how they differentiate themselves from their industry competitors Switching from a traditional mindset to a modern mindset and the ways it impacts a company’s HR strategy Her role as a coach and her approach to strengthening leadership development And more! Resources: Educational videos (bottom of the page) “The Comeback: A Modern HR Novel” by Annissa Deshpande Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Annissa Deshpande: LinkedIn: Annissa Deshpande LinkedIn: lōglab, LLC lōglab, LLC About Our Guest: After overseeing the successful hiring of over 20k people in 150 countries annually and leading internal talent initiatives as a former HR executive of a Fortune 500, Annissa Deshpande now combines her experience in finance, IT, and strategy to modernize HR for investor-backed and middle-market companies to achieve business outcomes and create a place where people love to work. While many HR programs focus on compliance, Annissa helps teams think bigger, align with business goals, and create great experiences for employees. Over the last 25 years, Annissa has helped her clients achieve all types of measurable business results, including growing revenue, improving profitability, evaluating the workforce implications of different business models, retaining key talent, avoiding layoffs, and making difficult workforce decisions when needed with compassion and respect.  

When the waves become rocky, clients turn to their advisors for stability within their investments. But what about financial advisors? How do they feel when faced with the same situation? In this episode, Robert Curtiss shares insight into the role of financial advisors for clients, both in financial planning and as a pillar when the market becomes stormy. Rob unveils how he’s dealing with the current state of the economy as a person and a financial professional. Rob discusses: What types of conversations are advisors having with clients The opportunity in unpredictable market waves The role of financial advisors as a pillar within future client plans beyond their financial planning What keeps him up at night The seven pillars of investment management And more! Resources: Educational videos (bottom of the page) Why Story by Rob Curtiss Investment Management Pyramid The Guide You Need to Take Advantage of Your Retirement Planning Benefits with Kevin Manahan, ASA, EA, MSEA (Ep.13) The Matt Walker Podcast – Sleep Diplomat Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

How flexible is your retirement plan? Would you send money to the government or your employees? In this episode, Robert Curtiss is joined by Kevin Manahan, vice president actuary at CMC Pension Professionals. Rob and Kevin unveil their collaborative approach to optimizing retirement plans for business owners and their employees with a focus on cash balance plans and taxes. Rob and Kevin discuss: Ways they tailor qualified retirement plans according to client needs and goals The role of cash balance plans when it comes to selling your business in the future The benefits of working alongside specialized professionals to optimize different areas of your financial and retirement plan How supporting employees through financial planning can provide tax savings And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Kevin Manahan: LinkedIn: Kevin Manahan CMC Pension Professionals Facebook: CMC Pension Professionals About Our Guest: Kevin Manahan is an enrolled actuary (EA) as well as a member of the Society of Actuaries (SOA) and the American Society of Pension Professionals and Actuaries (ASPPA). Kevin has been involved in reviewing EA enrollment exams for the Joint Board for Enrolled Actuaries. He has also spoken and conducted seminars for CPAs, brokers, and insurance clients.

Finding the right financial advisor who understands each individual needs can be a challenge for clients. Learn how Signature Estate and Investment Advisors (SEIA) creates an effective strategy when meeting potential clients in this week’s episode of The Millionaire Next Door. This week, Robert Curtiss shares his approach to finding the right client and building relationships to benefit their financial planning. He dives into the personal as well as the professional aspect of working with clients according to their individual wants and needs. Rob discusses: Key pieces of information he provides during the first meeting What you should know about his FORM process How he adds value to clients through personal and professional experiences His approach to preparing financial plans for clients and their beneficiaries And more! Resources: Financial Concerns For The Current Generation (Ep.11) Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

We hear about stock prices, inflation, taxes, and the conflict between Russia and Ukraine on the news — all this with lots of numbers and information. Luckily, here’s where financial advisors like Rob Curtiss untangle the numbers to help clients move forward. In this episode, Rob dives into current world events, revealing their impact on inflation, taxes, and investment planning as clients shift their routines. He shares what his company looks for in potential clients, along with concerns individuals bring up during a single call-in. Rob discusses: What you should know about his objective, unemotional rules-based process Current inflation compared to past inflation rates His approach to working alongside potential clients Ways he determines if they are the right fit for each other Common client questions due to current uncertainty Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

Our approach to saving for retirement and investing our money differs from the past. In this episode, Robert Curtiss dives into retirement and social security, revealing how current events impact where investments lie and individual priorities when it comes to savings. Robert unveils the different types of retirement accounts, the ways each is influenced by the money we put in, and the importance of working alongside a support team that will help build an optimal retirement plan. Rob discusses: How the current turmoil and geopolitical upheaval influences the market Reasons why investments are shifting towards defense stocks The importance of balancing retirement funds with tax planning How inflation impacts social security and investment planning for retirement And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

If there is one thing financial advisors have learned from the pandemic, it is the importance of adapting to their client needs. In this episode, Robert Curtiss shares his latest endeavors in refining and enhancing the client experience at Signature Estate and Investment Advisors. Rob reveals what his clients are looking for within their financial and retirement planning and recounts examples of how he has provided clients with the personalized attention they need. Robert discusses: The three questions he is asking clients to refine his process Reasons why advisors need to know what’s happening in their client’s life What clients want for their legacy The value of providing personalized client service and attention And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

In business, having the ability to replicate a process benefits more than the company. This process becomes the groundwork for building a business higher. In this episode, Robert Curtiss dives deeper into the creation of his business, revealing why he created a process and the replication possibilities. He shares how surfing influenced his process, focusing on the importance of evolving and adapting to the current world and maintaining an objective mindset when it comes to managing money. Robert discusses: The importance of creating a process for a business How his joy of surfing influenced his process How the process impacts his practice as a fiduciary The impact of coaches And more Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

As we look back to the past year, the knowledge gained from past experiences allows us to move forwards as we enter 2022. In this episode, Robert Curtiss shares the discussions he had over the past year and what his company is looking forward to in the new year. He recounts personal stories throughout the year and what advisors and clients should consider as they move forward with their retirement and financial plans. Robert discusses: The value of meaningful conversations and advisor-client relationships His 2022 company goals How entitlement impacts wealth planning The importance of including the entire family when planning financially And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

With 2021 coming to a close, we are looking towards the new year with hope — and walking along the path of our goals is an important part of our future. In this episode, Robert Curtiss shares his personal goals and expectations for 2022. He reveals his hopes for his business, his advice to clients as the year comes to a close, and how he will personally close out the year. Rob also highlights the importance of personal health along with financial planning in the new year. Rob discusses: His personal goals for the future His motivation in life and business The purpose of self-care for yourself and others Advice for clients as the year comes to a close And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

A solid financial planning process leads to financial security. But, who do you go to when you come across a step you are not familiar with? In this episode, Robert Curtiss shares everything you need to know about his financial planning process. Revealing the insights he has gathered from others and their influence within his own process, Rob mentions how he works alongside key experts to create individualized financial plans for clients. Rob discusses: The importance of clarity within your goals Benefits of maintaining a support network outside of your business. Who he calls upon for specialized situations How he creates an encompassing holistic practice And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

Feeling tired midday is one sign that you don’t have a very good work/life balance. The same goes for your financial planning—burnout will impact the success of your plan. But, having a process is key to granting you the success you want. In this episode, Robert Curtiss dives into the importance of having a process for your financial plan and your physical health. Robert provides the tips and tricks you need to function optimally as you balance health and work while planning for a secure financial future. Robert discusses: The importance of maintaining consistency in your health and financial life Reasons why a holistic approach can keep you financially and physically healthy How to optimize your sleep hygiene The importance of balancing fundamentals with relative strength when investing And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

A financial plan needs to be tailored to your individual needs. If you’re wondering where to start and how to build your personalized plan, Robert Curtiss’ wealth management pyramid approach could provide you with the guidance you need. In this episode, Robert reveals how he has helped his clients navigate the different stages of their wealth management from the principles of creating a financial plan to the benefits of wealth counseling. Robert highlights how each step of the wealth management pyramid contributes to the development of your overall plan. Robert discusses: The building blocks of the wealth management pyramid The holistic approach of SEIA’s wealth management process Reasons why family involvement is crucial when creating a financial plan The benefits of wealth counseling And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

Choosing your financial advisor out of the hundreds pushing their services can be daunting. What should you be looking for as a prospective client? In this episode, Robert Curtiss shares how he works with clients, from the first meeting to building long-standing relationships. Robert discusses the lessons he has learned from clients and other advisors throughout his career, and the importance of finding the right fit for both client and advisor. Robert discusses: How he meets new clients Why not all potential clients are the right fit for his business How the pandemic changed the way he does business The importance of continuous improvement as an advisor And more Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA  

Welcome to The Millionaire Next Door, a podcast designed to help successful wealth accumulators looking to transition to a work-optional lifestyle by helping you build strategies for growing and maintaining your wealth. In this inaugural podcast, meet Robert Curtiss, CFP®, AIF®, CWS®, a financial advisor with Signature Estate and Investment Advisors, LLC. Robert shares how he entered the financial services industry, how he helps clients create their financial plans, and who he is when he leaves the office. Robert discusses: How he got his start in the financial services industry His approach to comprehensive financial planning His business philosophy The lessons he learned over the years in business and in life And more Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Robert Curtiss: Robert J. Curtiss, CFP®, CWS®, AIF® is a Financial Advisor in the Pasadena office of Signature Estate & Investment Advisors (SEIA). His focus areas include fiduciary investment management for individuals and retirement plans, retirement planning, and strategies involving handling concentrated, highly appreciated stock positions. Robert has been in the investment management and insurance business for over 20 years. Robert is involved with numerous charities and philanthropic groups throughout southern California. He is a member of the UCLA Extension Personal Financial Planning Program Advisory Board. He is a 26-year resident of Pasadena, California along with his wife, son, and daughter. Robert received his Bachelor of Science degree in Pharmacology from the University of California, Santa Barbara. He received a Master of Public Administration with an emphasis in Intergovernmental Management from the University of Southern California. He earned his CERTIFIED FINANCIAL PLANNER certification in 2001, after completing the professional education program through the Certified Financial Planner Board of Standards, Inc. In 2015, Robert earned the Accredited Investment Fiduciary® (AIF® ) professional designation from Fiduciary360, receiving formal training in investment fiduciary responsibility. He is also a licensed insurance agent (CA Ins. License #0B95743).