The Weekly Wealth Podcast

🎙️ Episode SummaryEvery generation thinks they had it the hardest financially. Boomers point to Vietnam and 18% mortgage rates. Gen X survived the dot-com crash. Millennials are buried in student loan debt. And Gen Z? They're lying awake wondering if AI is going to take their job before they ever cash their first real paycheck.Here's the thing — they're all right. And in this episode, CFP David Chudyk breaks down the REAL numbers behind every generation's financial story. The challenges. The advantages. And most importantly — the numbers that each generation needed to know BEFORE they made the biggest financial decisions of their lives.Because the financial pain usually isn't just from the hand you were dealt. It's from not knowing the numbers before you signed on the dotted line.📌 What You'll Learn in This EpisodeThe 5 universal financial numbers that every person — regardless of age or generation — needs to know right nowThe specific financial challenges and surprising advantages of Baby Boomers, Gen X, Millennials, and Gen ZThe student loan math nobody showed Millennials and Gen Z before they signed — and why it matters more than almost any other numberWhy Baby Boomers' "cheap gas" advantage is actually a myth when you adjust for inflationThe Social Security break-even calculation that could mean the difference of hundreds of thousands of dollars for BoomersWhy Gen X is the most overlooked generation — and the catch-up strategies available to them right nowThe one number that cuts across every generation and is the most controllable variable in your entire financial lifeWhy the greatest financial weapon Gen Z has is something no other generation can buy⏱️ Episode Chapters[00:00] — Cold Open: Every Generation Thinks They Had It Hardest[00:35] — Intro & Welcome to the Weekly Wealth Podcast[02:00] — The Setup: What Nobody Showed You Before You Signed[04:30] — The 5 Universal Numbers Every Generation Needs to Know[09:00] — Baby Boomers (Born 1946–1964): Vietnam, 18% Rates & the Long Retirement[14:00] — Gen X (Born 1965–1980): The Forgotten Generation & the Dot-Com Crash[19:00] — Millennials (Born 1981–1996): The Squeeze Generation[23:00] — Gen Z (Born 1997–2012): The Most Aware — and Most At-Risk[27:00] — Soul-Searching Close: What Number Did Nobody Show You?[29:00] — Bonus Content: The One Number That Changes Everything💡 The 5 Universal Numbers (Everyone Needs These)1. Your Net Worth Everything you own minus everything you owe. This is the only number that tells you the real truth about where you stand. If you've never calculated this — that's your homework this week.2. Your Savings Rate Not how many dollars you save — but what percentage of your income you're saving. This is the most powerful lever you have over your financial future.3. The Rule of 72 Divide 72 by your interest rate to find out how long it takes to double your money. At 7% — about 10 years. At 1% in a typical savings account — 72 years. Same dollar. Very different outcomes.4. Your Debt-to-Income Ratio (DTI) Total monthly debt payments divided by gross monthly income. Above 43% and most lenders won't touch you. Below 36% and doors start opening.5. 21% The average credit card interest rate in America right now. Nearly half of all cardholders are carrying a balance at this rate. No investment return consistently overcomes 21% interest working against you.👴 Baby Boomers (Born 1946–1964)Key Challenges:Vietnam — the shadow of the draft was a real and defining financial AND life disruptionMortgage rates peaked at 18% — at that rate, a $200,000 home cost nearly $3,000/month in interest aloneThe 1970s oil crisis pushed inflation-adjusted gas prices to nearly $5/gallon by the late 70sFun fact: Gas was 31 cents/gallon in 1960 — but adjusted for inflation, that's $3.42 in today's dollars. The cheap gas argument is softer than most people think.Numbers Boomers Need to Know:Social Security break-even age — Claiming at 70 pays 77% MORE than claiming at 62. The break-even point for waiting is typically around age 80. Have you run your number?The 4% rule reality check — On a $1M portfolio, 4% = $40,000/year. Does that actually fund your retirement lifestyle?Longevity math — A 65-year-old couple has a 50% chance at least one partner lives to 90. That's a 25-year retirement. Is your money built for that?Long-term care costs — Nursing home: $95,000–$105,000/year. Assisted living: ~$60,000/year. Medicare covers almost none of this.Boomer Advantages:Many have pensions — an asset younger generations will simply never seeBought homes and assets at historically low price pointsSocial Security is intact for this cohortLargest generation of accumulated wealth in American history🎸 Gen X (Born 1965–1980)Key Challenges:First generation to receive a 401k instead of a pension — the tool was brand new and nobody explained itDot-com bubble burst right at career stride2008 financial crisis hit home values and portfolios at the worst possible timeDid all of

Episode DescriptionMost of us never got a formal money education — and the statistics show it. In this episode, CFP(r) David Chudyk breaks down exactly how to raise financially intelligent, grounded kids at every age — from toddlers to teenagers. Whether you're still building wealth or you've already made it, this episode is packed with practical, age-by-age strategies to make sure your kids don't become part of the next generation of financial statistics.David also tackles one of the hardest challenges in high-net-worth parenting: how do you raise grateful, hardworking kids when the answer to "can we afford it?" is almost always yes? And for business owners, he shares a legitimate IRS-approved tax strategy that teaches your kids about money and reduces your tax bill at the same time.What You'll Learn in This EpisodeThe alarming state of American household finances in 2025–2026 — and why your kids are at risk of repeating the patternWhy money beliefs form as early as age 3–5 (and what yours are teaching your children right now)How to talk about money in a way that builds an abundance mindset instead of a scarcity mindsetAn age-by-age framework for teaching kids about money (ages 3–18)What Warren Buffett, Bill Gates, Gordon Ramsay, and Shaquille O'Neal all have in common when it comes to their kids and inheritanceWhy 67% of millionaires are afraid to pass their wealth on to their childrenPractical strategies for high-net-worth families to raise grounded, non-entitled kidsA powerful IRS-approved tax strategy for business owners: hiring your kids and potentially funding a Roth IRA tax-freeA real-life college housing strategy David used with his own son that eliminated housing costs and built equityKey Timestamps[00:00] – Hook: Did your parents ever give you a money lesson?[01:30] – Welcome & podcast overview[02:30] – The state of American household finances (2025–2026 stats)[04:30] – Why schools aren't solving the financial literacy problem[05:30] – How to talk about money without creating a scarcity mindset[07:00] – Ages 3–6: The three-jar system, demystifying cards, and keeping it visual[10:00] – Ages 7–12: Allowance tied to contribution, wants vs. needs, savings accounts[12:30] – Ages 13–18: Debit cards with budgets, real household finances, custodial brokerage accounts, the first paycheck conversation[15:30] – The high-net-worth parenting challenge: raising grateful kids when money is no object[18:00] – Research on affluent kids: entitlement, anxiety, and the third-generation wealth wipeout[20:00] – What Buffett, Gates, Ramsay & Shaq say about inheritance[23:00] – 5 strategies for high-net-worth families[28:00] – The business owner tax strategy: hiring your kids legally[33:00] – The college real estate strategy David used with his own son[36:00] – Soul-searching wrap-up: What money mindsets are you passing on?Stats Referenced in This EpisodeU.S. household debt: $18.8 trillion (all-time high; ~$105,000/household)Median emergency savings: $600Nearly 1 in 5 Americans has zero emergency savings37% of Americans can't cover an unexpected $400 expense46% of credit card holders carry a balance at an average rate of 21%Median 401(k) balance for those approaching retirement: $44,115Only 27 states require a personal finance course to graduate high school67% of millionaires worry about leaving too much money to their kidsResources & Links Mentioned📬 Send David a voicemail: www.weeklywealthpodcast.com (click the microphone icon)📧 Email David directly: [email protected]📸 Instagram: @WeeklyWealthPodcast📺 YouTube: Weekly Wealth Podcast👥 Facebook Group: Weekly Wealth PodcastKey TakeawaysStart early. Money beliefs form between ages 3–5. Waiting until kids are "old enough" is already too late.Watch your words. "We can't afford that" creates scarcity. "We're choosing to spend our money differently" creates agency.Model the behavior. Your kids are watching how you handle money — the good and the bad.Constraints build character. Even high-net-worth families should give kids budgets and make them stick to them.Business owners have an edge. Hiring your kids is legal, tax-advantaged, and one of the best financial education tools available.Money is good for the good it can do. That's the mindset worth passing on.Connect with David Chudyk, CFP(r)Firm: Parallel FinancialWebsite: www.weeklywealthpodcast.comEmail: [email protected] information presented on this podcast is for general educational purposes only and does not constitute financial, investment, legal, or tax advice. Parallel Financial is registered with the U.S. Securities and Exchange Commission (SEC) as a Registered Investment Adviser. Registration does not imply a certain level of skill or training, nor does it constitute an endorsement by the SEC. All investing involves risk, including the potential loss of principal. Please consult a qualified financial professional before making any financial decisions.

Most people have never stopped to ask themselves what they actually want their retirement to look like. They default to whatever their parents did, or whatever society tells them. In this episode, David walks through six retirement philosophies — and one uncomfortable reality that nobody talks about. None of them are right or wrong, but one of them just might be exactly right for you.🙏 A Biblical Foundation: Work Is a Calling, Not a CurseBefore diving into the philosophies, David lays a foundational truth: the modern concept of retirement — stop working, move to Florida, play golf forever — is not a biblical concept. Work was part of God's original design, not a punishment for sin.Genesis 2:15 — God placed man in the garden "to work it and keep it" — before the Fall.Proverbs 13:4 — "The soul of the sluggard craves and gets nothing, while the soul of the diligent is richly supplied."Colossians 3:23 — "Whatever you do, work heartily, as for the Lord and not for men."2 Thessalonians 3:10 — "If anyone is not willing to work, let him not eat." Idleness is not a reward — it's a warning.The real question isn't "How do I stop working?" — it's "How do I shape my work so it reflects purpose and serves others?"💼 Philosophy #1 — "Work Optional": The Freedom to ChooseDavid's personal philosophyThe goal isn't to stop working — it's to reach a point where you choose to work rather than have to. For business owners, this means building something sellable, even if you never sell it.Key ideas:If your business can't run without you, you don't own a business — you have a job.Build recurring revenue, document systems, and develop leadership within your organization.The emotional payoff: knowing you could walk away changes how you show up every day.Gut check: "If your business disappeared tomorrow, would you be financially okay? If not — that's not work optional. That's work required."🔥 Philosophy #2 — FIRE: Retire as Early as PossibleAggressively save and invest — often 50–70% of income — to retire in your 30s, 40s, or 50s and reclaim your time while you're young and healthy.The appeal:Maximum years of freedom while energy and health are at their peakTime for passion projects, travel, and deep family investmentThe real challenges:Requires extreme lifestyle sacrifice during the saving yearsSequence of returns risk — a market crash in year one is devastatingIdentity crisis — many early retirees struggle with purpose and social connectionHealthcare costs before Medicare eligibility at 65 are significant and often underestimated"One more year" syndrome — fear keeps people working longer than plannedThe earlier you retire, the larger the pool of assets you'll needGut check: "Are you running toward something — or running away from your current situation? Retirement won't fix a life you haven't designed."⏳ Philosophy #3 — "Die With Zero": Spend Intentionally, Live FullyBased on the book Die With Zero by Bill PerkinsStop hoarding money for a future that may never come. If you die with money unspent, you traded irreplaceable hours of your life for wealth you never used.Key ideas:Memory dividends — experiences you invest in early pay emotional returns for decades. A trip with your kids at 10 is worth more than the same trip when they're 35.Time bucketing — divide your life into 5–10 year windows, each with its own goals and physical capabilities.Give with a warm hand — your kids need financial help at 25, not 55. The average age people receive an inheritance is 60 — often too late to make the biggest impact.Retirees with $500K+ spent only about 12% of their savings before death — 88% was left unspent.Important nuance: Leaving something behind for loved ones may bring you genuine joy — and that's a valid part of your plan too.Gut check: "What experience are you waiting to have? What if you physically can't have it in 10 years?"🏔️ Philosophy #4 — Front-Load Your Retirement: Go Hard EarlyEven if you retire at a traditional age, your first decade is your most physically capable window. Don't save the best for last.Key ideas:Energy, mobility, and health decline with age. Adventures possible at 65 may not be possible at 80.The active phase of retirement typically runs from retirement age through the mid-70s — that window is finite.The most common mistake: living so frugally in early retirement to "make the money last" that you miss the years when you'd actually enjoy it most.Budget more for the early years — spending naturally tapers on its own later.Important caveat: Long-term care costs in your late 70s and 80s can be significant. Check out David's recent long-term care episode for more on how to plan for that.Gut check: "What's on your bucket list that requires a healthy body? Are you planning to do those things first — or saving them for someday?"🛠️ Philosophy #5 — Phased / Gradual Retirement: The Slow FadeRetirement doesn't have to be a light switch. Deliberately step back from full-time work over several years — keeping income, purp

Episode SummaryGeopolitical events feel catastrophic in the moment — but history says otherwise. In this episode of the Weekly Wealth Podcast, Certified Financial Planner David Chudyk breaks down exactly what investors should (and shouldn't) do during the ongoing Iran conflict and the market volatility it has created. From reevaluating your risk tolerance to turning off the news, David shares the same actionable strategies he discusses daily in his wealth management practice with business owners, high-net-worth individuals, and mass affluent clients.If you've been watching the markets with anxiety lately, this episode is your antidote.What's Covered in This EpisodeWhat history tells us about markets and geopolitical crisesHow to reevaluate your risk tolerance without panic sellingWhy cash and cash equivalents matter more than you thinkTax loss harvesting explained — how to turn a down market into a tax advantageRoth conversions during a market dip — why NOW could be the perfect timeHow to build a personal "Financial Fortress" that weathers any stormWhy social media and cable news are engineered to cost you moneyWhat you should absolutely NOT do during market volatilityA real client story about staying calm and coming out aheadKey Talking Points & Timestamps📊 What History Tells Us About Geopolitical Market EventsAccording to Stock Trader's Almanac data covering 17 geopolitical incidents since 1939:The average one-week S&P 500 drop after an initial shock is just 1.09%12 months later, the S&P has historically posted an average gain of 2.92%After Russia invaded Ukraine in February 2022, the S&P gained 3.27% in the first weekIn 20 major post-WWII conflicts analyzed by RBC Wealth Management, the S&P fell an average of just 6%The current situation is not the 1973 Arab oil embargo — the U.S. is now a top oil producer"Markets have seen things like this before. Panic is almost never the right strategy." — David Chudyk, CFP®✅ 1. Reevaluate Your Risk ToleranceRisk tolerance isn't what you say you can handle — it's what you feel when your balance dropsAfter years of strong market returns, many investors overestimate their true risk appetiteSmall recalibration (e.g., 80/20 → 70/30 equities/bonds) is not panic selling — it's smart planningKey question: "If this dropped another 20% and stayed there for two years, could I stay the course?"💡 Interested in a complimentary risk number? Email David at [email protected]✅ 2. Reevaluate Your Cash NeedsThe worst time to sell investments is when you're forced toReview your financial calendar: large purchases, tuition, a new car, retirement distributions coming in the next 12–24 months?Retirees in the distribution phase should consider holding 12 months of living expenses in cash or cash equivalents (money markets, CDs)Cash provides peace of mind AND optionality — it's what lets you be opportunistic instead of desperate✅ 3. Tax Loss HarvestingThe government shares in your losses — take them up on itIf a position has dropped below your cost basis, you can sell it, lock in the loss for tax purposes, and reinvest in a similar (not identical) holdingWorks in taxable (non-retirement) accounts only — not IRAs or 401(k)sHarvested losses can offset capital gains, and up to $3,000/year can offset ordinary income, with the remainder carrying forward indefinitelyRemember the wash-sale rule: wait 30 days before repurchasing a substantially identical security✅ 4. Roth Conversions During a Market DipA Roth conversion moves money from a pre-tax Traditional IRA to an after-tax Roth IRAWhen your balance is lower due to a downturn, you're converting at a discountExample: A $100,000 IRA that dropped to $82,000 — convert now, pay taxes on $82,000 instead of $100,000, and all future growth is tax-freeBest candidates: those in a temporarily lower income year, those looking to reduce future RMDs, those with estate planning goalsCritical: Pay the tax bill from outside the retirement account — don't withhold from the conversion itself🏛️ 5. Build Your Financial Fortress — The Personal Balance SheetDavid's Five Pillars of Financial Resilience:1. Emergency Fund — Your financial shock absorber3–6 months of household expenses minimum; 12+ months if retiredAllows you to stay invested instead of being forced to sell2. Debt Management — The silent portfolio killerHouseholds with manageable debt weather downturns far better than those with high monthly obligationsHigh-interest credit card debt (averaging ~24%) is a financial emergency — eliminating it is the equivalent of a guaranteed 24% return3. Income Diversification — Eliminate single points of failurePensions, rental income, part-time work, dividends — multiple income streams create resilienceEspecially critical for retirees relying solely on investment accounts4. Insurance — Protects everything you've builtA market decline plus an uninsured liability event is a double whammyWork with a local, independent insurance agency to ensu

How Delegation Builds Business Value (And Your Net Worth) | Weekly Wealth PodcastEpisode SummaryMost financial advisors talk about stocks, bonds, and investment strategies to grow your wealth. But CFP David Chudyk takes a different approach — because for most business owners, your business is your biggest asset. In this episode, David dives deep into one of the most underrated wealth-building strategies for entrepreneurs: the art of delegation.If you've ever found yourself printing documents, chasing down receipts, or answering the same questions over and over — this episode is your wake-up call. David shares why your inability to let go may be costing you more than you think, and gives you a practical, step-by-step framework to start delegating effectively today.What You'll Learn in This EpisodeWhy delegation is a financial strategy, not just a management conceptHow being indispensable to your own business kills its value in the eyes of buyersThe real cost of "I'll just do it myself" thinkingA simple one-week exercise to identify what you should stop doing immediatelyHow to classify tasks so you know exactly what to delegate — and what to keepWhy an owner's need for certainty and control stifles growth (and what to do instead)The difference between reoccurring vs. recurring revenue and why it matters to your valuationThe 8 drivers of business value — and how delegation impacts nearly all of themThe "how much would YOU pay for your business?" gut-check exerciseKey Takeaways💡 Your business can't grow if you're the bottleneck. If the business can't function without you, it's not a business — it's a job.💡 Delegation increases your net worth. A business that runs without the owner is worth significantly more to a buyer than one that depends entirely on them.💡 An owner's need for certainty stifles growth. Letting go of control — with the right processes and oversight in place — is how you scale.💡 Start with a task audit. For one week, write down everything you do. Then ask: Does this require my decision-making, or can someone else handle it with clear instructions?💡 A sellable business is a more profitable and easier business to run — even if you never plan to sell.The Delegation Framework: How to Start This WeekWrite it all down. For one full week, track every single task you do — big or small.Categorize each task by frequency (daily, weekly, monthly) and the level of discretion required.Sort by preference — tasks you love, tasks you hate, tasks that are neutral.Create SOPs (Standard Operating Procedures) for low-discretion, high-frequency tasks.Build in controls — periodic audits and check-ins give you peace of mind without micromanaging.Value Builder: The 8 Drivers of Business ValueGetting your Value Builder Score helps you understand how an acquirer would evaluate your business across these eight key areas:Financial PerformanceGrowth PotentialSwitzerland Structure (how dependent are you on any one person, customer, or platform?)Valuation Teeter-TotterRecurring RevenueMonopoly of ControlCustomer Satisfaction & ReferralsHub & Spoke (how involved is the owner in day-to-day operations?)Free Resources Mentioned in This Episode📥 Free eBook – The Four Degrees of Delegation → www.weeklywealthpodcast.com/delegation📥 Free eBook – The Endgame (Exit Planning Guide) → www.weeklywealthpodcast.com/endgame📊 Take the Value Builder Assessment (10–15 minutes) → www.weeklywealthpodcast.com/valuebuilderscore📅 Book a Free 10-Minute Vision Call with David → www.weeklywealthpodcast.com/visionConnect with David Chudyk, CFP®📧 [email protected] 🌐 www.weeklywealthpodcast.comBonus: The Gut-Check Question Every Business Owner Needs to Ask"Knowing everything you know about your business — the hours, the stress, the revenue — how much would YOU pay for it? Would you pay a premium… or argue for a discount?"If you're being honest and the answer is uncomfortable, that's your starting point. The good news? Every driver of business value is improvable — and delegation is one of the fastest ways to start.The Weekly Wealth Podcast is hosted by David Chudyk, CFP®. David works with business owners, the mass affluent, and high-net-worth individuals on their financial dreams, worries, and the decisions they know they need to make.Disclaimer: The information contained herein, including but not limited to research, market valuations, calculations, and estimates obtained from Parallel Financial and other sources, is believed to be reliable. However, Parallel Financial does not warrant its accuracy or completeness. These materials are provided for informational purposes only and should not be construed as an offer to sell or a solicitation of an offer to buy any security. Past performance is not indicative of future results.

For any inquiries, please contact [email protected] ------------------------------------------------------------Long term care is often misunderstood, and this episode dives into what it really is and what it isn’t. We break down the financial impacts it can have on both your life and your family’s life. It’s not just about planning for retirement; it’s about managing risks that can come up later. We give you a mini masterclass on long term care, touching on different types of care options, costs, and how to prepare for potential needs. This is essential info that can make a big difference in your financial planning, so let’s get right into it!Takeaways:Long term care is often misunderstood and can significantly impact financial planning.Understanding the differences between acute and chronic impairment is crucial for long term care decisions.Home care can be a preferred option for many, but costs can add up quickly.Choosing the right long term care insurance can protect your financial legacy for your family.Medicaid is a key resource for long term care but comes with strict eligibility requirements.Long term care planning should be an essential part of your overall financial strategy.Links referenced in this episode:weeklywealthpodcast.com/visiondavidarrottellofinancial.comCompanies mentioned in this episode:Certification for Long Term Care InstituteMedicaidParallel Financial

Guest: Deric Keller - Certified Business Coach with Exit Momentum, former $10M business ownerEpisode Overview: Financial advisor David Chudyk interviews business coach Deric Keller about strategies that make businesses more profitable, sellable, and sustainable while improving owner wellbeing.Key Topics Discussed:1. Common Hiring MistakesFounders often hire to "fill a seat" rather than designing the role firstThis creates "Frankenstein roles" that are hard to replace and measureBest practice: Use the "elevate and delegate" model - categorize tasks by what you love/hate and are good/bad at, then delegate the bottom tier2. The Hustle TrapBusiness owners often wear burnout as a "badge of honor"Example: Owner doing parts runs while $60K in bids pile up (70-80% close rate)Key insight: Are you busy with the right things that generate revenue?Delegate tasks you hate/aren't good at to focus on high-value activities3. Tracking the Wrong MetricsMost founders track profit incorrectly by hiding expenses to avoid taxesThis hurts: credit applications, equipment financing, home purchases, and business valuationClean books = higher business value4. What Drives Business Valuation Factors that LOWER value:Over-reliance on one customer (lack of diversification)Weak human capital (high turnover, inexperienced staff)Missing systems/processes/intellectual propertyPoor financial predictabilitySingle vendor dependencyFactors that INCREASE value:Customer diversificationStrong, experienced teamDocumented systems and processesRecurring revenue (3-6 point multiple increase)Clean financial records5. Understanding Business MultiplesMost businesses sell for a multiple of EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization) or net profitTypical multiples: 1-3x (weak business) to 6-15x (strong business with recurring revenue, great systems)SaaS companies often valued on revenue multiples (though AI is currently driving these down)Who buys you affects the multiple (strategic buyer vs. PE firm)6. When Hustle Stops WorkingHard work creates bottlenecks when you're the decision-maker for everythingLeads to: burnout, key person dependency, slowed growthSolution: Decentralized command (like military model) - give teams the mission, let them executeBalance: You can't give equal TIME to business/family/health, but you can give equal INTENTION7. The 3D Diagnostic ModelDirection: Where is the company going? What are the goals?Design: What's the structure, systems, processes, financial model?Dynamic: What's the human element? Who might be holding you back?8. Leadership DevelopmentLeadership is a learned skill, not innate talentRequires repetition and practice ("reps")Best professionals in every field have coaches9. Work-Life Integration StrategiesBe strategic with focus and intentionWhen with family: phone down, fully presentGym time: have a plan, execute, leave energizedDaily practices: journaling, meditation, prayer, gratitudeLearn-teach-implement cycle: consume content, teach it to someone, apply it10. Definition of Wealth Deric's answer: Legacy - Making an impact that outlasts you, influencing people you'll never meet through the business owners and teams you coachCall to Action: Visit ExitMomentum.com to:Take a free business assessmentBook a 3D diagnostic call (no cost)Access free tools and insightsSchedule an in-person leadership labKey Takeaway: A sellable business is a good business, even if you never sell it. Building systems, diversifying revenue, and developing your team creates value regardless of your exit timeline.Links referenced in this episode:www.weeklywealthpodcast.com/endgameexitmomentum.com

🎙️ The Weekly Wealth PodcastBoring Habits of Wealthy PeopleMost people think wealth is built through big stock picks, crypto wins, business exits, or lottery-level luck.But in reality?Wealth is usually built through habits that are simple, repeatable… and honestly a little boring.In this episode, David breaks down the real behaviors he sees in high-net-worth clients and successful business owners — and why these steady habits often outperform flashy financial decisions.💡 What You’ll Learn in This Episode🔥 Why High Income Doesn’t Guarantee WealthDavid shares real-world examples of celebrities and athletes who earned massive incomes — yet still went bankrupt. The lesson? Income spikes don’t equal sustainable wealth.Wealth is often lost through:OverexpansionHeavy leverageLifestyle creepPoor cash flow managementLegal riskLack of structure and oversight📊 The 7 “Boring” Habits That Actually Build Wealth1️⃣ Keep a Simple Personal Balance SheetKnow your numbers. Track assets, liabilities, and trends. You can’t improve what you don’t measure.2️⃣ Live Slightly Below Your MeansIncome – Expenses must be greater than zero. Avoid lifestyle creep when income increases. Increase margin as you grow.3️⃣ Delay Big Purchases by 72 HoursWealthy decision-making is slow and intentional. Emotional purchases often disappear after a few days.4️⃣ Keep Some Money “Unoptimized”Maintain liquidity. Cash reduces panic selling during downturns. Cash allows you to seize opportunities when they appear.5️⃣ Practice Tax Awareness (Not Just Tax Preparation)There’s a difference between:Tax preparation (reporting last year)Tax planning (strategizing before year-end)Every dollar legally saved in taxes is a dollar you don’t have to earn.6️⃣ Avoid Constant Portfolio TinkeringLong-term discipline beats reacting to headlines. Investors often lose more from bad decisions than bad markets.7️⃣ Treat Your Business Like an AssetA profitable business is a sellable business. Build systems and value — don’t treat it like an ATM.🎯 Key TakeawayWealth is rarely built through exciting decisions. It’s built through consistency, discipline, and structure.Slow and steady may not feel exciting — but it works.🛠 Resources Mentioned📍 Take the Value Builder Score www.weeklywealthpodcast.com/valuebuilderscore📍 Schedule a 10–15 Minute Vision Call www.weeklywealthpodcast.com/vision📍 Leave a Voice Message for the Show Visit www.weeklywealthpodcast.com and click the microphone icon📣 Enjoying the Podcast?If this episode helped you, please share it with a friend, colleague, or family member. Money decisions impact not just us — but everyone around us.⚠️ DisclaimerThe information discussed is for educational and informational purposes only and should not be construed as investment, tax, or legal advice. Past performance is not indicative of future results.

🎙️ Weekly Wealth Podcast | Identity Over Resolutions: Your Money MindsetFor any inquires, you can email me at [email protected] --------------------------------------------------------------------------- What if the key to financial success isn’t chasing the next hot investment—but becoming the kind of person who makes better money decisions over time?In this episode, Certified Financial Planner David Chudyk pulls back the curtain on what a real financial advisor actually does day to day—and why clarity, structure, and behavior matter far more than market predictions.This is a crash course in how intentional planning can reduce overwhelm, eliminate second-guessing, and help you use money as a tool to live a better life.💡 In this episode, you’ll learn:What most people get wrong about financial advisorsWhy planning always comes before implementationThe difference between chasing returns and building outcomesHow behavior and emotions can quietly derail your financesWho financial planning is (and isn’t) a good fit forWhy high earners and business owners often outsource money decisionsHow to reduce financial risk beyond just your investment portfolioWhat it really looks like to have a “personal CFO” in your corner👥 This episode is especially for:Business ownersBusy professionalsHigh earners who feel financially successful but mentally overwhelmedAnyone who wants fewer decisions—but better ones🚀 Take the next step If you’re asking yourself: 👉 Am I okay financially? 👉 Am I going to be okay long-term?David offers a free 10-Minute Wealth Vision Call—a quick, no-pressure Zoom conversation focused on clarity, confidence, and direction.🔗 Book your call here: 👉 https://www.weeklywealthpodcast.com/vision🎧 Listen to the full episode Search Weekly Wealth Podcast on your favorite podcast platform or visit: 👉 https://www.weeklywealthpodcast.com⚠️ Disclaimer: This podcast is for informational purposes only and should not be considered financial advice. Past performance is not indicative of future results.

Buying & Selling a Business: The Legal Playbook Every Owner NeedsFeaturing Jordan Goewey of Thomas Fisher and Edwards P.A.If you’re a business owner who thinks “I’ll just sell my business one day and everything will work out” — this episode is required listening.In my practice, I spend a lot of time helping business owners increase the value of their businesses and prepare for an eventual exit. But today, we flip the script and talk about what actually happens during a sale — from a legal standpoint.This week’s guest, Jordan Goewey, is an attorney who specializes in business transactions and works daily with owners buying and selling companies. We walk step-by-step through the real process, the real risks, and the real decisions that can either protect—or destroy—your outcome.If selling your business is even a remote possibility in the next few years, this episode will save you time, money, and stress.🔍 What You’ll Learn in This Episode✅ Why not every attorney is the right attorney for a business sale✅ Why specialization matters when millions of dollars are on the line✅ When an attorney should get involved (hint: earlier than most owners think)✅ How Letters of Intent (LOIs) really work—and why sellers have the most leverage there✅ What happens during due diligence (and why it’s often the most painful part)✅ Common diligence landmines business owners don’t realize matter✅ How purchase agreements are negotiated and why “the first draft is never the deal”✅ What closing a business sale actually looks like today (DocuSign, escrow, wires, Zoom closings)✅ The real math behind a “$50 million exit” after taxes, legal fees, brokers, and earnouts✅ Why selling your business is often the single most important financial transaction of your life⚖️ About Today’s Guest: Jordan GoeweyJordan Goewey is a shareholder at Thomas Fisher and Edwards P.A., a law firm based in Greenville, South Carolina with additional offices in Spartanburg.Jordan’s practice focuses on:Business formation and structuringBuy-sell agreementsBusiness sales and acquisitionsWorking with high-net-worth business owners and foundersHe is licensed in South Carolina, North Carolina, and Tennessee, and regularly works with owners throughout the Southeast.🌐 Firm website:👉 www.tfelawfirm.com (This is the website for Thomas Fisher and Edwards P.A.)📧 Email: [email protected]📞 Phone: (864) 232-0041🧠 A Key Theme from This EpisodeDon’t go it alone.Too many business owners assume selling a business is “just a deal.”In reality, it’s a multi-year planning process involving legal, tax, financial, and emotional decisions.The owners who get the best outcomes:Plan earlyBuild the right advisory teamUnderstand that headline price is not take-home wealth📘 Free Resources Mentioned in This Episode🎯 The Endgame – Free Exit Planning eBookIf you’re a business owner, clarity around your exit changes everything.Download The Endgame here:👉 www.weeklywealthpodcast.com/endgame📊 BONUS: Are You Personally Ready to Exit?Most owners prepare the business—but not themselves.Take our Personal Readiness to Exit Score (PreScore) here:👉 www.weeklywealthpodcast.com/prescore🎧 Final ThoughtsSelling your business is likely:The largest financial transaction of your lifeEmotionally complexFull of risk if handled incorrectlyThis episode reinforces why trusted legal, financial, and tax advisors working together is not a luxury—it’s a necessity.If this episode helped you, share it with a business owner who needs to hear it.Until next time,David📄 DisclosureThe information contained herein—including research, market valuations, calculations, estimates, and other materials obtained from Parallel Financial and other sources—is believed to be reliable but is not guaranteed. These materials are for informational purposes only and should not be construed as an offer to buy or sell any security. Past performance is not indicative of future results.

Schedule your VISION CALL with David Chudyk by visiting www.weeklywealthpodcast.com/visionEPISODE DESCRIPTIONThis week on The Weekly Wealth Podcast, we’re doing something we’ve never done before — we’re welcoming a South Carolina State Senator and the President of the SC Senate, Thomas Alexander, to break down how state government really works.Most people only pay attention to politics at the national level… but the truth is, your state government affects your daily life in huge ways — from taxes, business growth, and technical college funding, to road infrastructure, public safety, and poverty initiatives.In this episode, Senator Alexander gives us a behind-the-scenes look at how South Carolina operates, why the state remains competitive for major employers, what lawmakers are working on in 2026, and how everyday citizens can stay informed and get involved.If you live in South Carolina (or honestly any state), this episode will help you understand what’s going on under the hood — and why it matters.KEY TAKEAWAYS✅ Why state government matters more than most people realize✅ The Senate is 46 members total and districts represent ~115,000 citizens each✅ The SC Senate makeup: 34 Republicans / 12 Democrats✅ Why state politics can be less divided than the national level✅ How South Carolina attracts major employers without “just paying companies” to come✅ The difference between state-level support vs local government incentives✅ Why a strong business climate benefits everyone:“If companies are successful, citizens are successful.”✅ How SC supports Main Street / small business owners (regulatory reform + pro-business policy)✅ SC’s personal income tax has dropped from 7% → 6% in recent years✅ The technical college system is a workforce engine (and a student loan solution)✅ Apprenticeships + customized training programs that match employer needs✅ The “poverty” conversation: local + faith-based + nonprofit partnerships matter most✅ How state budgeting works + why SC’s balanced budget requirement is a big deal✅ Infrastructure reality: SC maintains 40,000+ miles of state highways✅ 2026 topics the legislature is actively working on:DUI law reformRegulatory reformAdditional tax policy changesVaping concerns in schoolsUnregulated THC beverages and safety concerns✅ A strong reminder: you don’t have to vote party-line on every issue✅ Wealth isn’t only money — it’s security, preparation, wise decisions, and quality of lifeQUOTES WORTH REMEMBERING“If companies are successful, then our citizens are successful.”“The institution of the Senate is greater than any one of us.”“We have a balanced budget requirement… how novel is that?”“We want South Carolina to remain a special place to live, work, and raise a family.”“Wealth is financial security — being responsible, living within your means, and preparing for the future.”ACTION STEP FOR LISTENERSIf you’ve never paid attention to your state government, let this be the week you start.✅ Learn who represents you✅ Follow the issues that impact your community✅ Get involved locally — even small participation creates real changeAnd remember: informed citizens build stronger communities.HOW TO CONTACT SENATOR THOMAS ALEXANDER📧 Email: [email protected]📞 Phone: (803) 212-6220WANT TO TALK ABOUT YOUR OWN FINANCIAL PLAN?If listening to this episode sparked questions about your own wealth strategy — taxes, retirement, investing, or business-owner planning — I’d love to help.🎯 Book a Vision Call with me (David Chudyk, CFP®)This is a short, no-pressure conversation to help you:get clarity on your current financial situationidentify blind spotstalk through next stepssee if working together makes sense(Links and contact details below 👇)www.weeklywealthpodcast.com/visionABOUT THE WEEKLY WEALTH PODCASTThe Weekly Wealth Podcast is where we talk about the mindsets, tactics, and strategies that help you build wealth — and keep it.I’m David Chudyk, CFP®, and I work with:✅ business owners✅ high earners✅ mass affluent families✅ retirees and pre-retireesWe’re big on one thing here:Better decisions. Better behaviors. Better wealth.BONUS CONTENT RECAPPolitics is loud. Polarizing. Emotional.So here’s the challenge:✅ form your own opinions✅ stay informed✅ don’t blindly vote party line✅ and if you’re a person of faith — remember “love thy neighbor” still applies even when they vote differently.DISCLAIMER (keep this at the end)The information contained herein—including, but not limited to research, market valuations, calculations, estimates, and other materials obtained from Parallel Financial and other sources—are believed to be reliable. However, Parallel Financial does not warrant its accuracy or completeness. These materials are provided for informational purposes only and should not be used for or construed as an offer to sell or a solicitation of an offer to buy any security.Past performance is not indicative of any future results.

Podcast: The Weekly Wealth Podcast Host: David Chudyk, CFP® Guest: Mike Draper, Partner at CFO SystemsIf you’re a business owner generating $2 million to $15+ million in annual revenue, one of your biggest risks may not be sales, competition, or employees — it may be your financial blind spot.In this episode of The Weekly Wealth Podcast, David Chudyk sits down with Mike Draper, Partner at CFO Systems, to explain how a fractional CFO helps business owners improve cash flow, make better strategic decisions, and prepare their company for long-term growth or a future sale.🔍 What You’ll Learn in This EpisodeWhat a fractional CFO actually does (and how it differs from a controller)Why growth often uses cash before it creates cashCommon financial blind spots business owners don’t realize they haveThe difference between keeping score and making strategic decisionsWhen it makes more sense to hire a fractional CFO instead of a full-time CFOHow poor financial processes can lower the value of your businessWhy clean books, forecasts, and procedures matter before selling your companyHow fractional CFOs help with:Cash flow forecastingBudgeting and capital planningDebt restructuring and banking relationshipsPreparing for due diligence and quality of earnings reviews⚾ A Simple Way to Think About ItMike uses a Moneyball analogy:Controllers keep the score (historical data)CFOs analyze the data to guide future strategyMost business owners have the score — but not the strategy.👤 About Today’s Guest: Mike DraperMike Draper is a Partner at CFO Systems, a fractional executive leadership firm with over 100 directors nationwide and more than 300 active clients. CFO Systems provides fractional CFOs, COOs, controllers, HR leaders, and interim executives to businesses across industries and revenue sizes.Mike began his career at Deloitte, spent nearly a decade auditing Berkshire Hathaway, and has served in controller and CFO roles for publicly traded companies.📞 How to Contact Mike DraperEmail: [email protected]: (402) 598-7150Website: www.cfosystemsllc.com💡 Final ThoughtTrue wealth isn’t just about money — it’s about clarity, freedom, and being present for what matters most. As Mike shares, strong financial leadership allows business owners to step out of the weeds and back into the role they’re best at.

🎙️ The Weekly Wealth PodcastSpecial Guest: Jessica PierceIn this episode of The Weekly Wealth Podcast, host David Chudyk is joined by special guest Jessica Pierce for an insightful conversation around money, mindset, and making smarter financial decisions.Together, they explore how behaviors—not just numbers—play a critical role in long-term wealth, and how intentional choices today can create confidence and clarity for the future. Whether you’re just starting your financial journey or refining your strategy, this episode offers practical takeaways you can apply right away.🔑 What You’ll Learn in This Episode:Why financial success is driven by behavior as much as strategyHow to make more intentional money decisionsCommon mistakes that can quietly derail long-term wealthThe importance of aligning your values with your financial planActionable steps you can take this week to improve your financial confidence💡 Key Takeaway:Better decisions lead to better behaviors—and ultimately, better wealth.👤 About Our Guest:Jessica Pierce brings a fresh perspective to the conversation, sharing insights and experiences that help simplify complex financial topics and make them more approachable.📌 Don’t Forget:If you enjoyed this episode, be sure to subscribe, rate, and review The Weekly Wealth Podcast so you never miss a conversation designed to help you build a stronger financial future.

What if the biggest financial move you make in 2026 isn’t a Roth conversion or an investment pick—but fixing your marketing?In the first episode of 2026, Certified Financial Planner™ David Chudyk sits down with marketing strategist Katie Brinkley to unpack practical, non-cringey marketing strategies that business owners can implement right now—without dancing on TikTok or posting 42 times a week.This conversation is packed with real-world marketing advice, especially for Main Street businesses, professional service firms, and business owners who want more revenue without more chaos.🧠 What You’ll Learn in This Episode✔️ The real difference between marketing vs. sales (and why confusing them hurts revenue) ✔️ Why posting less—with intention—often leads to better results ✔️ How to market without being “goofy,” awkward, or inauthentic ✔️ What “going viral” actually means for a small business ✔️ Why podcasts are one of the best lead-generation tools available today ✔️ How to use email marketing (the most overlooked asset) effectively ✔️ Non-social-media marketing strategies that still work in 2026 ✔️ How consistency—not perfection—wins the marketing game⏱️ Key Topics & HighlightsWhy your business is your greatest wealth-building toolThe shift toward personal branding after COVIDHow to choose marketing strategies that match your personalityLunch-and-learns, workshops, and relationship-based marketingWhy algorithms shouldn’t control your entire growth planRepurposing content the smart way (without burning out)🎯 BONUS CONTENTYour brand isn’t what you say it is—it’s what other people perceive.Ask yourself:What do your clients think you do?What does your community say about you?Would your competitors describe you the same way you do?If those answers don’t align with your goals, it may be time to refine—or rebrand—your message.👩‍💼 About Our Guest: Katie BrinkleyKatie Brinkley is a marketing strategist, speaker, and founder of Next Step Social. She’s been helping businesses grow through social media since the days of MySpace and has led national strategies for brands like AT&T.She’s also the host of two podcasts:Rocky Mountain Marketing – expert interviews and practical strategiesMarketing Trends Now – weekly solo episodes on what’s changing right now👉 Learn more and connect with Katie: 🌐 https://www.katiebrinkley.com📞 Ready to Talk About Your Financial Vision?If marketing, cash flow, taxes, or business decisions are weighing on you this year, let’s talk—no pressure, no pitch.🎯 Book your free 10-Minute Vision Call 👉 https://www.weeklywealthpodcast.com/visionIn just 10 minutes, we’ll discuss:A financial decision you’re unsure aboutA challenge you’d like to optimizeOr simply whether you’re on the right trackNo commitment. Just clarity.🎧 About The Weekly Wealth PodcastThe Weekly Wealth Podcast is where we discuss the mindsets, tactics, and strategies that help business owners, professionals, and families build and maintain wealth—financially and personally.If you enjoyed this episode: ⭐ Subscribe ⭐ Leave a review ⭐ Share it with a business owner who needs better marketing in 2026

Welcome to the first episode of 2026.In this episode of The Weekly Wealth Podcast, Certified Financial Planner™ David Chudyk shares 25 powerful lessons from 2025—lessons learned from working closely with business owners, high earners, and high‑net‑worth families.These lessons span three critical areas:• Business ownership & leadership• Personal finance & investing• Life, health, and perspectiveThis episode is designed to help you think better, behave better, and ultimately make better financial decisions in 2026 and beyond.SECTION 1: 8 LESSONS FOR BUSINESS OWNERS1. Profit is not a dirty word—it’s the purpose of business.2. Your business should survive if you disappear for 30 days.3. Complexity is the enemy of scale.4. Growth requires daily discomfort.5. Many businesses underprice their value.6. You can’t be everything to everyone—find your niche.7. Core values should be written, shared, and lived.8. Learn to say: “That’s not my job anymore.”SECTION 2: 9 PERSONAL FINANCE & INVESTING LESSONS• Many millionaires don’t look wealthy.• Financial margin matters.• Wealth is built through boring consistency.• Concentration can create wealth; diversification preserves it.• Know what you own, why you own it, and when you’ll sell.• Risk management matters more than chasing returns.• Roth vs pre‑tax decisions matter.• Tax preparation is not tax planning.• Estate planning can’t wait.SECTION 3: 8 LIFE LESSONS• Be a decent person.• Let go of what you can’t control.• Calories add up—health matters.• Find an exercise plan you’ll stick with.• Surround yourself with great people.• Avoid patterns that keep people stuck.• Choose empathy over judgment.• Faith, gratitude, and perspective matter.BONUS SEGMENTFocus on activities, not outcomes.You control the activity. Results take care of themselves.CALL TO ACTIONBook your 10‑Minute Wealth Vision Call:https://weeklywealthpodcast.com/visionDISCLAIMERThe information contained herein is for informational purposes only and should not be construed as an offer to buy or sell any security. Past performance is not indicative of future results.

📄 Episode DescriptionThe days after Christmas often bring a rare and beautiful pause—less noise, fewer obligations, and space to breathe. In this special abbreviated episode of The Weekly Wealth Podcast, Certified Financial Planner™ David Chudyk invites listeners to step away from budgets, to-do lists, and financial strategies to reflect on a different kind of wealth.This episode explores the qualitative side of wealth: rest, gratitude, contentment, and time with the people who matter most. It’s a reminder that true wealth isn’t just what’s on paper—it’s who’s sitting around your table.⏱️ Episode HighlightsWhy the week after Christmas is one of the most valuable times of the yearRest as a legitimate and powerful form of wealthWhy burnout leads to poor decisions—financial and personalHow thankfulness changes our relationship with moneyRecognizing everyday privileges we often overlookWhy time with family is the only asset that isn’t renewableLetting ambition pause—and giving yourself permission to restA special “permission slip” for contentment heading into the new year💡 Key TakeawaysRest isn’t laziness—it’s recovery, margin, and fuel for better decisionsMoney is a tool, not the goal; it’s meant to support a meaningful lifeGratitude reduces financial anxiety by shifting focus from scarcity to abundanceTime is irreplaceable—money can be earned again, but moments cannotThere’s value in recognizing when you already have enough🎁 Bonus Content: A Permission Slip for the SeasonAs the year winds down, David shares a powerful reminder: 2026 can be a year of ambition, growth, and big goals—but the rest of this year can be about contentment.Not complacency—but appreciation. Not slowing down forever—but resting without guilt.If you’re listening between Christmas and New Year’s, consider this your permission slip to pause.🙏 Final ReflectionWealth isn’t just measured by accounts and statements. It’s measured by connection, faith, relationships, and peace.This week, rest. Be thankful. Spend time with the people you love. There will be plenty of time to focus on the details soon enough.📢 Connect With the ShowFollow The Weekly Wealth Podcast on:InstagramFacebookYouTubeNew episodes focus on financial strategies, prosperous mindsets, and building true wealth—inside and out.Disclosure: The information and material contained in this communication is confidential and intended for the recipient addressee named. If you are not the intended recipient, please delete the message and notify the sender immediately. Fiduciary Alliance LLC is an Investment Adviser registered with the Securities and Exchange Commission. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or the completeness of any description of securities, markets or developments mentioned. Please contact us at 864-385-7999 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request.

📌 Episode OverviewWhen people hear “investing,” they often think about hot stocks, market predictions, or timing the next big move. In this episode of The Weekly Wealth Podcast, Certified Financial Planner David Chudyk breaks down what truly matters: how your portfolio is structured, balanced, and managed over time.This episode isn’t about what to buy—it’s about why you own what you own, how different investments interact, and how intentional design can lead to better long-term outcomes, especially during market volatility.🧠 What You’ll LearnWhy portfolio construction matters more than picking the “right” investmentHow investors can own great investments but still get poor resultsThe difference between intelligence and structure in investingWhy most portfolios are built unintentionally—and the risks that creates📊 Key Concepts Explained 🔹 Alpha vs. BetaAlpha: Returns above what the market providesBeta: Exposure to market movement (upside and downside)Why many investors mistake higher risk for true outperformance🔹 Concentration RiskHow overexposure to one stock, sector, or employer can quietly build riskWhy diversification doesn’t just grow wealth—it helps preserve it🔹 Index Funds: Pros & ConsPros:Low costBroad market exposureSimplicity and transparencyLimitations:Full exposure to market downturnsNo built-in risk management or tax coordinationIncreasing concentration within major indexesIndex funds are powerful tools—but they are not a full strategy on their own.🔁 Correlation, Volatility & Real RiskWhy assets that look diversified can still move togetherThe difference between volatility (movement) and true risk (permanent loss)How behavior—not numbers—often determines investment outcomes🏗️ Beyond Stocks: Other Investment ToolsDavid discusses how different assets can play different roles in a portfolio, including:Real estate (direct ownership vs. REITs)Gold and precious metalsPrivate equity and private creditAnnuities and lifetime income strategiesEach comes with unique risk, liquidity, and complexity trade-offs that must align with your stage of life and financial goals.⚠️ Why DIY Portfolios Often StruggleMarkets changeLife changesTaxes become more impactful over timeDecisions get harder as portfolios growPortfolio construction isn’t static—it’s an ongoing process that requires coordination, discipline, and emotional control.✅ The 5 Questions Every Investor Should AskWhat positions should I own?How much of each should I own?Why do I own this position?How does this fit into my overall financial strategy?When might I sell this position?Intentional portfolios answer these questions before emotions take over.🎯 Bonus Question (Don’t Skip This One)What specific problem would my portfolio solve if markets were flat for the next 10 years?If your portfolio only works in strong markets, it’s not a strategy—it’s a bet.📞 Next StepsIf this episode raised questions about how your portfolio is built, you can schedule a 10-minute Vision Call with David at:👉 www.weeklywealthpodcast.com/visionNo pressure—just a thoughtful conversation.📣 Stay ConnectedFollow The Weekly Wealth Podcast on Instagram, Facebook, and YouTubeShare this episode with someone serious about building wealth the right wayDisclosure: The information and material contained in this communication is confidential and intended for the recipient addressee named.  If you are not the intended recipient, please delete the message and notify the sender immediately. Fiduciary Alliance LLC is an Investment Adviser registered with the Securities and Exchange Commission. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or the completeness of any description of securities, markets or developments mentioned. Please contact us at 864-385-7999 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.  Our current disclosure brochure, Form ADV Part 2, is available for your review upon request.