Don't Retire...Graduate!

Welcome back to Don’t Retire… Graduate! In today’s episode, we’re taking the mystery out of one of the most overlooked financial assets: life insurance. I’m joined by Jamie Mendelsohn, Executive Vice President of the Ashar Group, a nationally licensed life settlement broker dedicated to helping families, business owners, and institutions maximize the value of their existing life insurance policies. Jamie’s family business has been leading the way in educating advisors and policyholders since 2003, and she’s recognized as a go-to resource for anyone seeking a profitable exit solution for their policies. In our conversation, Jamie and I dive deep into the world of life insurance—far beyond the “death benefit” stereotype. We unpack the concept of treating life insurance as an asset, not just a checkbox or a forgotten document in a drawer. Jamie shares how the Ashar Group acts as an “auctioneer” for policies, helping clients leverage the secondary market for life insurance—often unlocking significant liquidity for retirement, long-term care, business needs, or philanthropic goals. We also discuss the importance of insurability, the little-known benefits of buying insurance early (especially for kids and grandkids), and how life settlements can empower policyholders to give while living, creating immediate impact for charities and loved ones. Throughout the episode, Jamie brings relatable stories and real-life scenarios that illustrate the life-changing potential of managing—rather than discarding—your life insurance policies. We wrap up with Jamie’s personal story and her authentic, heartfelt perspective on what she wants to be when she grows up, sprinkling in a few laughs, some Orioles nostalgia, and a reminder to see the value in assets you might be overlooking. 5 Key Takeaways: Life Insurance Is an Asset: Life insurance isn’t just “death insurance”—it’s a buy-and-manage asset that can be valued, sold, and leveraged for retirement, business liquidity, or charitable giving. The Life Settlement Market: Many policyholders don’t realize they can sell their policies in a regulated secondary market, often for more than the surrender value. This liquidity can solve long-term care needs, support philanthropy, or keep a business afloat. Insurability Matters: Buying life insurance for children or grandchildren can preserve their insurability for life, opening doors for future financial planning—even if health challenges arise later. Charitable Solutions and Giving While Living: Life settlements can fund significant charitable gifts, allowing donors to witness the impact of their generosity now rather than waiting for a bequest after passing. Don’t Throw Away Your Policy—Value It First: Before surrendering or lapsing a policy, policyholders should explore its market value. Life insurance can be worth tens, hundreds of thousands, or even millions—and could change the trajectory of a family, business, or community. Join us as we build purpose, passion, and financial wisdom for every stage of life. Don’t forget to subscribe, rate, and share this episode with anyone curious about the real value of their life insurance policy! [embed]https://youtu.be/gETax_SPZTI?si=XD4ibrBWNxgXwCio[/embed]

Welcome back to Don’t Retire… Graduate! In today’s episode of our “Diary of a Financial Advisor” segment, I had the pleasure of sitting down with Hannah Dennis, who transitioned from teaching young children to becoming a client relations associate and our resident marketing guru at BFG Financial Advisors. Hannah’s journey is a compelling example of how diverse skills—like those honed in the classroom—can create an immediate impact in the financial services industry. Hannah joined us after graduating from the University of Scranton and teaching for four years in the Baltimore area. Her background in education has been invaluable in shaping her communication style, her empathetic approach to clients, and her ability to keep all of us, especially me, in check! In addition to her client relations role, Hannah dove headfirst into the marketing aspect of our firm, helping to track and optimize our initiatives, including this very podcast. In our discussion, Hannah and I explored her transition from education to finance, noting the shift from an “island” of classroom independence to a collaborative team environment. She explained how data-driven decision-making from her teaching days now influences our marketing strategies, emphasizing the importance of tracking what’s truly working—whether that’s a successful webinar or a standout podcast episode. We also discussed the stressful yet rewarding reality of managing marketing in a busy firm and the value of slowing down to implement changes efficiently. Hannah shared what it’s like to be behind the scenes, wrangling not just the team, but also vendors, deadlines, and creative ideas. With the podcast and Diary segment both evolving—particularly with Diary moving to a webinar format through BFG University—Hannah’s skill set has never been more crucial. For some lighter moments, we talked about our firm’s annual summit, our karaoke adventures (stay tuned for a possible duet reveal!), and what our listeners can look forward to as we launch new and improved educational content in the coming year. Hannah’s journey is not just about a career shift but about leveraging strengths, embracing change, and always striving for personal and professional growth. 5 Key Takeaways: Embracing Career Change: Hannah’s journey from teaching to finance demonstrates that transferable skills, like collaboration and data-driven thinking, are invaluable—even across vastly different industries. Data-Driven Marketing: By applying her experience as a teacher, Hannah transformed our marketing approach—utilizing data to determine which initiatives, webinars, and podcast episodes best engage our audience. The Power of Collaboration: Moving from a solo teaching role to a team environment at BFG allowed Hannah to learn from colleagues, share new ideas, and innovate more effectively than ever before. Adapting to Growth and Change: Hannah’s advice to “slow down, trust the process, and implement change gradually” is a lesson for anyone stepping into a new role or industry. Looking Ahead—Interactivity and Fresh Content: With “Diary of a Financial Advisor” moving to a webinar format on BFG University, our content will become more timely, interactive, and driven by what you—our listeners—want to see. Join us as we share, learn, and grow together on the path to financial independence and a fulfilling, purpose-driven future. Don’t forget to subscribe, leave a comment (especially if you want to see our karaoke duet!), and share this episode with friends and colleagues on the journey to “Don’t Retire… Graduate!”   [embed]https://www.youtube.com/watch?v=HYAlhnCjcLc[/embed]

Welcome back to Don’t Retire… Graduate! On today’s episode, I’m joined by a truly inspiring guest whose personal journey offers hope, resilience, and valuable lessons about financial wellness: Matt Paradise. Matt is a financial wellness speaker for young professionals, an award-winning author, and a living example of perseverance—having gone from being a homeless teen to achieving financial independence and now dedicating himself to helping others beat financial stress and unlock their full potential. In our conversation, Matt and I dive deep into his incredible story of transformation, moving from addiction and hopelessness to sobriety, stability, and success. He shares candid reflections on the intersection of addiction, mental health, and financial habits, reminding us that these struggles can affect anyone, and that there’s always hope—even in the darkest times. We talk about the ongoing commitment involved in both addiction recovery and financial wellness, as well as the pivotal role that mindset, mentors, and community play in helping us overcome adversity. Matt draws on his decades of experience in credit counseling and financial coaching, sharing powerful insights into behavioral addictions like overspending and debt accumulation—and how these patterns often stem from deeper emotional or psychological challenges. He recounts his own family’s story of long-term financial planning, caring for aging parents, and the anxieties and transitions that come with giving up independence later in life. Together, we explore the importance of vision, purpose, and building support systems—whether for our children, our elders, or ourselves as we pursue wellness and growth at every stage. 5 Key Takeaways: Pain to Purpose: Matt’s journey shows that personal pain can be transformed into service and purpose—helping others find hope and resilience amid their own struggles. Recovery Is Lifelong: Addiction recovery, whether chemical or behavioral (like debt or spending), is a lifelong process. Accountability, support, and “speaking the truth in love” are critical for lasting change. Financial Wellness Is Holistic: True financial wellness goes beyond dollars and cents—it's deeply linked to mindset, emotional health, and the support systems we build. Financial anxiety can persist even after basic needs are met, especially when rooted in past trauma or scarcity. Generational and Individual Challenges: Our experiences around money, independence, and mental health are shaped by generational patterns, cultural backgrounds, and personal histories. There’s no “one-size-fits-all”—every journey is unique. The Importance of Vision and Purpose: Building a vision for our future—even if it feels difficult or intimidating—is essential. Whether planning for retirement, caregiving, or breaking out of survival mode, a clear purpose helps us create better present and future outcomes. Join us for this powerful and motivating episode as we shine a light on overcoming adversity and creating financial and personal well-being through mindset, action, and community. Don’t forget to subscribe, rate, and share this episode with anyone who might benefit from a message of hope and practical wisdom—on their journey to financial freedom and purpose-filled living! Access special book bonuses from Matt's award-winning and best-selling book, Financially Capable: A Friendly Guide to Building Whole-Health Wealth, here: https://www.mattparadise.com/capablebonus [embed]https://www.youtube.com/watch?v=2FiSQk8mVE8[/embed]

Welcome back to Don’t Retire… Graduate! In this special “Diary of a Financial Advisor” segment, I’m thrilled to welcome Andrew Harrell. Andrew’s journey is one of passion, commitment, and ongoing growth. He began at BFG as an associate in 2018, quickly advanced to lead advisor in 2023, and recently became a shareholder. Andrew graduated cum laude from Coastal Carolina University and was recognized with an Outstanding Alumnus Award from their Wall College of Business. He holds his CRPC (Chartered Retirement Planning Counselor) and his CFP (Certified Financial Planner), already making an impressive mark in the field. Andrew and I dove into his evolving role, the significance of financial wellness, and the value of professional networking through the Financial Planning Association (FPA). We traded familiar office banter—yes, his “Young Protege” and “EJ” nicknames are alive and well!—before unpacking how staying engaged with the FPA not only shapes the profession but also impacts legislative advocacy and community outreach. Andrew explained how collaboration with fellow advisors, not competition, best serves clients and the financial planning industry. We then explored a pivotal initiative at BFG: our corporate financial wellness program with KCI and other organizations. Andrew shared how this program empowers employees at every level to make sound financial choices, alleviating stress and fostering peace of mind through holistic planning. We also talked about the importance of taking off the “planner hat” and embracing well-rounded wellness for clients and ourselves. To wrap up, Andrew reflected on his vision for the future—staying true to his own strengths while continuing to make a difference. 5 Key Takeaways: The Power of Professional Community: Andrew emphasized that working together with other financial advisors through the Financial Planning Association fosters collaboration, knowledge-sharing, and positive impact—rather than rivalry. Legislative Advocacy Matters: Involvement with the FPA and similar organizations keeps financial advisors aware of regulatory changes and provides a voice to influence legislation that affects both advisors and their clients. Financial Wellness for All Levels: Our corporate wellness program brings personalized financial guidance directly to employees, helping them understand complex benefits packages and make informed decisions regardless of their asset level. Holistic Wellness is Essential: True financial planning goes beyond numbers—it’s about providing peace of mind, making sure beneficiaries and wills are in place, and reducing stress for both advisors and their clients. Never Stop Growing: Andrew’s journey reminds us that ongoing professional development, community engagement, and the desire to elevate those around us are keys to a fulfilling and impactful career in financial planning. Thank you for joining us on this episode as we continue to inspire, educate, and guide you toward financial freedom with purpose. Don’t forget to subscribe, rate, and share this episode with anyone looking to reshape their financial future! [embed]https://youtu.be/lhKmqEqDFvU?si=dpcJY6mcvdOm9P2F[/embed]

Welcome back to Don’t Retire… Graduate! In today’s episode, I’m thrilled to explore the art and science of financial literacy with our guest, Scott Yamamura. Scott is an expert in communication and design with over 25 years of experience, boasting a Fortune 15 background and numerous industry accolades. He’s also a certified financial coach and the author of Financial Epiphany, a book designed to distill financial concepts into simple, actionable steps for everyday people. Scott joins us from outside Seattle, bringing his unique perspective on how effective messaging and creative thinking can help cut through the complexity of personal finance. In this episode, Scott and I dive deep into the challenges many people face with financial literacy, including intimidation, overwhelm, and the myth that financial expertise requires advanced knowledge or age. We revisit Scott’s personal journey from financial confusion to mastery—thanks to a multi-faceted approach involving books, workshops, and plenty of notes in the margins. This obsession led him to write Financial Epiphany, capturing the foundational wisdom that made a difference for his own family and now serves others. We discuss Scott’s “three rules of thumb”—his financial epiphanies—using frameworks like the Rubik’s Cube and “chunking” to make investing approachable. We explore concepts like the rule of 72, the power of compound interest over time, and the behavioral aspects that drive real action and change. Scott shares how simple, creative frameworks can empower anyone, especially young savers, to start investing early and avoid the common regret of wishing they’d begun sooner. We talk about how financial success is more about good habits and consistent behavior than advanced math, and how loss aversion can be a powerful motivator for doing the right thing today instead of waiting for tomorrow. Scott also opens up about his experiences as a coach, the impact of seeing family financial success firsthand, and how he hopes his work inspires others to steward their resources wisely. Finally, Scott shares a moving story about his inspiration—“becoming an Ernie”—which beautifully illustrates how financial empowerment leads to generosity and a purpose-filled life. 5 Key Takeaways: The Rule of 72: Scott breaks down how money doubling every ten years—based on a 7.2% average annual return—can be a simple, empowering way to visualize long-term growth and motivate early action. Harnessing the Power of 16: By shifting perspective, we realize that starting to invest early offers the unique ability to multiply money by sixteen over forty years, turning long-term discipline into an immediate “superpower.” Loss Aversion as Motivation: Scott’s third epiphany highlights how our multiplying power halves every ten years after we begin investing—creating urgency and leveraging our innate drive to avoid loss for faster action. Financial Literacy Is for Everyone: You don’t need to be a math whiz or have years of experience to succeed at personal finance; simple, practical habits and behavioral shifts make the greatest impact over time. Generosity and Purpose: Financial mastery isn’t just for personal gain; Scott’s story about “becoming an Ernie” reminds us that wise stewardship leads to opportunities to make a difference and gives deeper meaning to financial success. Join us for this inspiring conversation as we demystify the world of personal finance and empower you to take confident action today, no matter where you are on your journey. Don’t forget to subscribe, rate, and share this episode with your friends and family as you take another step toward financial independence and a purposeful future! Get your copy of Scott's book, Financial Epiphany, here: https://a.co/d/2FOtauH [embed]https://youtu.be/zu5HpUj_bNk[/embed]

Welcome back to Don’t Retire… Graduate! Today’s episode is part of our exclusive “Diary of a Financial Advisor” series, where I sit down with fellow advisors to explore their professional paths, motivations, and insights for helping others succeed financially. I’m excited to introduce our guest for this conversation, Claudia Glover, CFP®, who serves as the chair of our investment committee here at BFG and brings a wealth of experience from her time in both large institutions and more personalized advisory roles. In our discussion, Claudia shares her inspiring journey from watching her immigrant parents model financial discipline to building an impressive career in finance—including time on a fixed income trading desk, supporting advisory services, and managing a growth and income SMA at Wells Fargo. We dive into the cultural shift she experienced moving from a vast institution to our close-knit BFG team, and how that transition has allowed her to connect more deeply and meaningfully with clients. We talk about Claudia’s “why”—what drives her to do this work—and the joy she finds in guiding clients through major milestones, from retirement to paying the final tuition bill. I put her on the spot about how she’s become the organization’s go-to volunteer for committees and projects, and Claudia candidly reflects on her commitment to both personal and professional growth. We also discuss the value of having an accountability partner, a program we utilize at BFG to keep each member focused and supported, as well as the transformative impact of our financial wellness initiatives for clients and employees alike. If you’re curious about what drives top advisors and how intentional planning—both personal and professional—can fuel better outcomes, this episode has something for you! 5 Key Takeaways: A Personal History Fuels Professional Passion: Claudia’s early exposure to her family’s disciplined financial management instilled in her a drive to enter the finance industry and help others achieve similar stability and success. Diverse Industry Experience Matters: From trading desks to portfolio management, Claudia’s varied background equips her to navigate complex client needs and deliver thoughtful, informed advice. Intimate Client Relationships Set BFG Apart: Transitioning from a large corporation to a boutique firm, Claudia emphasizes the ability to deeply understand clients' financial worlds and provide true financial planning. Milestone Moments Motivate Advisors: The most rewarding aspect of the work, according to Claudia, is witnessing clients achieve significant life events—whether it’s retiring or finishing paying for a child’s education. Accountability and Wellness Programs Enhance Growth: Regular check-ins with accountability partners and participation in BFG’s financial wellness programs not only help advisors stay focused but also expand the reach and impact of financial education. Join us as we continue to spotlight the journeys and wisdom of financial advisors who shape lives and build legacies. Don’t forget to subscribe, rate, and share this episode with anyone eager to graduate into a life of financial purpose and fulfillment! [embed]https://youtu.be/TDTrkfwT_nk[/embed]

Welcome back to Don’t Retire… Graduate! In this episode, we’re diving deep into the emotional and creative side of life’s biggest transitions—especially retirement. My guest, Susan Hensley, is a transformational coach, speaker, and author whose mission is to help individuals navigate major life changes with joy, creativity, and resilience. With decades of experience as a corporate executive and leadership coach—and a background in HR and journalism—Susan brings a unique perspective on how we can move through uncertainty without losing ourselves, and, in fact, discover new meaning and color in our lives.Susan and I explored not just the financial aspects of retirement, but the psychological transformation it brings. We talked about the loss of identity, the paradox of newfound time, and why many of us feel adrift or even terrified approaching this stage, despite years of planning. What sets Susan apart is her use of art journaling as a tool in her coaching practice—a process open to anyone, even self-professed non-artists like me! Susan described how creative expression helps process emotions, unlock inner wisdom, and rediscover the sense of play we all had as children. Together, we discussed letting go of the “big P” purpose that often defines our working years and embracing instead a series of “small p” purposes rooted in daily curiosity, microlearning, and the willingness to experiment and shed old identities.The episode is both reassuring and invigorating, reminding us that the journey into retirement—or any major transition—isn’t a one-time molting, but an ongoing metamorphosis filled with opportunities to reinvent ourselves, explore new interests, and find joy, even in the messy middle. Susan shared practical advice for managing the daunting blank canvas of retirement, finding joy in both purpose and in play, and learning to balance optimism and fear as we take on the next chapter.Key Takeaways:Art Journaling as Transformational Coaching: You don’t have to be an artist to benefit from art journaling—it’s a tool for self-expression and emotional processing during uncertain times, accessible to anyone who can doodle, collage, or simply make marks on a page.Reimagining Purpose in Retirement: Life after work isn’t about finding a new singular “big P” purpose, but rather about embracing a series of “small p” purposes that evolve, shift, and can be explored daily through curiosity and microlearning. Managing the Identity Shift: The transition into retirement brings grief, loss of status, and uncertainty about who we are, but it also opens opportunities for shedding old identities and trying on new ones without long-term commitment.Structuring the Blank Canvas: If you’re used to being busy, it helps to gently reintroduce structure post-retirement—but leave intentional space for creativity and exploration, embracing both boredom and talent for value creation in new forms.Joy as a Guiding Principle: Purpose and joy are not mutually exclusive; in fact, real fulfillment comes when we allow them to intersect—by finding glimmers of excitement and allowing ourselves to pursue whatever sparks curiosity, even if it ends up being a brief detour.Join us as we challenge assumptions, confront fears, and celebrate the potential for play, curiosity, and new beginnings at any stage. Don’t forget to subscribe, rate, and share this episode with anyone ready to graduate into a more joyful, inventive future!For more on Susan Hensley, including her book Art for Your Sanity and free downloadable resources for art journaling, visit susan-hensley.com. Let’s inspire each other to stay both terrified and optimistic—and above all, curious—about what comes next![embed]https://youtu.be/uHc8KZ5Rw3Y[/embed]

Welcome back to Don’t Retire… Graduate! In today’s episode, we’re diving into one of the most essential—yet often overlooked—aspects of a healthy financial life: insurance as part of your risk management strategy. I’m delighted to welcome back Jillian Howell, a talented Client Service Associate at BFG Financial Advisors who first joined us earlier this year. Jillian brings not only her expertise in communications and client support but also a budding passion for the insurance world, inspired by earning her life and health insurance license. With her fresh perspective and genuine enthusiasm, she’s helping clients feel both informed and empowered as they navigate life’s financial journey. In our discussion, Jillian and I explored the vital role that insurance—particularly life insurance—plays in building a secure and resilient financial plan. We talked about what drew her to insurance, how her understanding has evolved, and why she feels so passionately about making it accessible and understandable for everyone, especially younger people who often overlook its importance. Together, we debunked common myths, such as the notion that insurance is only for older individuals or those in poor health. Jillian walked through the must-have elements of a risk management plan, the critical calculations behind determining insurance needs, and the reasons to start early—even when you’re young and healthy. We also touched on the importance of regularly taking inventory of your current coverage and the idea that life insurance should be actively managed, not just tucked away and forgotten. And, on a lighter note, we even chatted about insuring cherished family pets! 5 Key Takeaways: Insurance as a Foundation of Risk Management: Insurance isn’t just a checkbox—it’s a foundational part of any risk management plan, alongside legal documents, tax considerations, and asset titling. It’s about protecting both assets and loved ones. Life Insurance Myths Debunked: One of the biggest misconceptions is that young, healthy people don’t need life insurance. In reality, securing coverage early locks in better rates and preserves insurability before any health issues arise. Determining the Right Amount of Coverage: There is no one-size-fits-all answer, but striving for 10 to 15 times your annual income—while factoring in debts, dependents, and future needs—can provide important protection for your family. Take Inventory and Reassess Regularly: Don’t just rely on employer-provided policies or outdated coverage. Sit down, review what you have, and look for gaps or weaknesses in your protection. Life insurance is an asset to be managed, not forgotten. Insurance and Legacy Planning: From debt and income replacement to estate planning and even tax strategies, insurance can be leveraged for more than just “what if I don’t wake up tomorrow?”—it’s a powerful tool for overall financial resilience. Join us as we uncover how a passion for insurance and risk management can enrich your financial wellbeing, empower you with knowledge, and set your loved ones up for greater peace of mind. Don’t forget to subscribe, rate, and share this episode with anyone ready to reimagine what insurance can do for their financial future! [embed]https://youtu.be/KwlcRNNhPcA[/embed]

Welcome back to Don’t Retire… Graduate! In today’s episode, we’re exploring the power of authentic connection, reinvention, and the art of building relationships—especially valuable skills for those finding their “next act” in life and in retirement. Joining me today is Steve Spiro, also known as the Master Connector. Steve is a fourth-degree black belt in karate, a first-degree black belt in jiu jitsu, an advertising entrepreneur turned sales pro, published author, and inspirational speaker. He specializes in helping introverts break barriers and connect authentically in an increasingly digital world. In this conversation, Steve and I dove into his fascinating journey from being a bullied, learning-disabled introvert to becoming a master connector with over 30,000 LinkedIn connections and a respected voice in the networking world. We discussed how his martial arts background taught him discipline and perseverance, which later fueled his career pivots—from advertising to hardcore sales, and eventually, to motivational speaking and digital broadcasting. Steve shared actionable strategies for building genuine connections both in-person and online, emphasizing authenticity, vulnerability, and focusing on serving others. We tackled the challenges faced by those reinventing themselves in retirement or new ventures, including how to step out of comfort zones, overcome small talk anxiety, and leverage digital platforms like LinkedIn for community and opportunity. Steve also unpacked the key differences between networking in person and online, giving tips for making memorable impressions and following up meaningfully. For anyone considering a new business or personal reinvention—whether moving to a new community, starting a new career, or simply wanting to expand your circle—Steve provided insight into finding your “why” and identifying the right people and passions to guide your next chapter. 5 Key Takeaways: Authenticity & Vulnerability Matter: Steve credits his success to embracing vulnerability about his background and challenges, which allows for real, human connections—especially in the digital era where authenticity stands out. Serve First, Ask Second: The best way to build a meaningful network is to focus on helping others without expecting anything in return. Offering value, introductions, or support with no hidden agenda leads to stronger, more genuine relationships. Break Out of Your Comfort Zone: Growth happens outside the comfort zone. Steve encourages stepping into new social situations, even when it feels awkward, because the rewards in terms of connection and confidence are tremendous. Networking is a Follow-Up Game: The magic of networking happens after the initial introduction. Collect contact information and make a strong, positive impression, but focus on following up to build the relationship. Find Your Why and Your Who: Rather than obsessing over “how” to do something new, get clear on your “why” (purpose) and look for the right people (“who”) who can help you on your journey—mentors, connectors, or new friends. Whether you’re an introvert or extrovert, entrepreneur or retiree, Steve Spiro’s insights offer practical encouragement for adding new chapters to your life story. Join us as we inspire each other to graduate into retirement—and life—with purpose, connection, and passion. Be sure to subscribe, rate, and share this episode with anyone ready to reshape their future through the power of connection! [embed]https://youtu.be/byr4erryl5I[/embed]

Welcome back to Don’t Retire… Graduate! I’m your host, Eric Brotman, and on today’s Diary of a Financial Advisor segment, we’re shining a light on the journey of college students and recent graduates as they navigate the complex world of higher education, student loans, scholarships, and financial planning. Joining me is Tony Breen, an accomplished senior finance major at Stevenson University, intern at BFG Financial Advisors, and the only person in six years who’s had the courage to interview me on my own show! Tony is not only pursuing a master’s in forensic accounting but also serves as President of the Financial Management Association and VP of Enactus at Stevenson, making him one of the busiest students I know. During our conversation, Tony and I dive deep into the financial realities of higher education. We talk candidly about how he transitioned from a biology major to finance, the influence of his family’s financial planning (including the benefits of a 529 college savings plan), and the critical role scholarships and institutional support played in his college decision process. We also look at how today’s college students prepare to launch their careers, manage debt, and make smart choices that set them up for long-term success. We exchanged advice and stories about picking the right school, finding affordable pathways to a degree, and capitalizing on internships and campus involvement. Tony’s perspective is refreshingly grounded—he speaks from recent, real experience and offers actionable advice for students, parents, and anyone supporting the next generation through the maze of higher education and early professional life. 5 Key Takeaways: Strategic School Choice is Crucial: Tony emphasizes that picking the right school—one that not only fits academically and socially but also financially—can make all the difference. Shopping for the best net price, leveraging scholarships, and considering both public and private options is essential. 529 College Savings Plans Provide a Head Start: Starting a 529 plan early, as Tony’s grandfather did, helped offset the costs of college and allowed Tony to graduate with little to no student debt—an advantage that influenced his final school decision. Scholarships and Grants Are Out There—But You Must Apply: Many scholarships go unused because students aren’t aware of them or don’t take the initiative to apply. Proactively seeking out scholarships and working with advisors can meaningfully reduce college costs. Debt-Free Graduation Sets You Up for Success: Graduating without significant student loans provides young professionals with greater flexibility, less stress, and a stronger foundation for achieving financial independence and future life goals. Campus Involvement Opens Doors: Tony’s advice to get involved on campus (clubs, leadership, internships, and networking with professors) has led to scholarships, career opportunities, and a more fulfilling college experience. Waiting for opportunities isn’t enough—students should be proactive. This episode is a powerful reminder that with the right planning, support, and initiative, students can chart a bright financial future—without sacrificing their passions or burying themselves in debt. Whether you’re a student, parent, or grandparent, I hope Tony’s journey inspires you to explore all your options and plan ahead for educational and financial success. Thanks for tuning in! Be sure to subscribe so you never miss an episode of Don’t Retire… Graduate!, and join us next time as we continue to inspire your journey to financial freedom and purpose-driven living. [embed]https://youtu.be/bfNWDCmLEBA?si=2eJCxjwUOtfSr8mc[/embed]

Welcome back to Don’t Retire… Graduate! In today’s episode, we’re going right into the heart of an anxiety-inducing topic for many: tax debt and IRS troubles. Whether it’s unexpected balance dues, inheritance issues, or business downturns, finding yourself in the IRS’s crosshairs is more common—and less shameful—than you might think.To help us navigate this complex and often overwhelming world, I’m joined by Morgan Anderson, CEO and founder of Golden Lion Tax Solutions and the author of Tax Debt Rule Number One: There Is Always a Solution. With over 25 years of experience representing thousands of clients before the IRS and state agencies, Morgan is an expert in charting a path to financial resolution, no matter how dire the tax situation might appear.During our conversation, Morgan and I dug into the most common causes of tax debt, the innocent mistakes that land “financially astute” individuals in trouble, and the initial steps everyone should take when a dreaded IRS notice arrives in their mailbox. Morgan debunked the myth that tax debt only happens to the financially irresponsible, highlighted the emotional toll these situations can have, and explained how professionals like herself become both advocates and accountability partners for their clients.We examined practical strategies and resolution pathways, from installment agreements to offers in compromise, and even discussed how to distinguish reputable tax resolution firms from the predatory mills so often advertised late at night. Morgan shared real-life stories—some of triumph, others of lost opportunity—offering a real-world perspective on the importance of proactive action, honest communication, and reliable expert guidance when you’re facing a tax crisis.We wrapped up by talking about the role of CPAs, financial advisors, and the value of staying engaged with your financial professionals throughout the year—not just at tax time. And, of course, I asked Morgan the quintessential Don’t Retire… Graduate! question: What do you want to be when you grow up?Key Takeaways:You’re Not Alone—And Action Beats Avoidance: Over 11 million Americans owed money to the IRS in a single tax cycle. Ignoring notices leads to steeper penalties and aggressive collection actions; opening those letters and responding promptly sets the foundation for solution.Tax Debt Is Often Innocent: It can stem from inheritances, business downturns, or errors as simple as a mistyped Social Security number. Many who owe taxes are otherwise responsible and financially savvy individuals.Professional Help Matters—Choose Wisely: For debts over $25,000, a true tax expert (CPA, EA, or specialized advocate) is essential, as IRS negotiations get far more complex. Be wary of “resolution mills”—look for personalized, transparent, and responsive service.Resolution Options Are Varied: From installment plans to offers in compromise (settling for less), penalty abatement, and even leveraging lien subordination, there’s almost always a way forward—especially when guided by your current financial condition.Engage with Advisors Year-Round: Most tax trouble happens when people only check in with CPAs annually. Quarterly reviews and proactive planning around major life events can prevent tax headaches before they start.Join us to learn how to shed fear and shame around tax problems, discover actionable solutions, and embrace proactive strategies to secure financial peace of mind. Don’t forget to subscribe, rate, and share this episode with anyone who could use a reminder that, when it comes to taxes, you’re never truly alone—and there’s always a solution.[embed]https://youtu.be/Vzf-kZ6cXSg[/embed]

Welcome back to Don’t Retire… Graduate! On today’s episode, we’re excited to bring you another entry in our “Diary of a Financial Advisor” segment, where we spotlight the unique voices, journeys, and motivations of financial professionals passionate about their clients’ success. I had the pleasure of sitting down with Jillian Howell, a rising star at BFG Financial Advisors and one of the dedicated Client Service Associates who keeps everything running smoothly for nearly 800 families nationwide. Jillian joined BFG in March 2025, bringing with her a Bachelor of Arts in Communication Studies (with a minor in general business) from the University of Maryland, College Park. Her background sets her apart, blending strong communication skills with a desire to help others achieve financial well-being. Throughout our conversation, Jillian shared her journey from a family full of pharmacists (and her conscious decision to blaze her own path), her early experience engaging clients in the T. Rowe Price call center, and the drive to bring accuracy, care, and continual learning to her current advisory role. We dove into what it’s like to enter the nuanced world of insurance, the importance of always being a “sponge” for new knowledge, and the unique challenges of juggling countless client needs under pressure. Jillian also opened up about her “why”—drawing inspiration from a late high school mentor who guided her into the business world—and how she channels that legacy in her work every day. Outside the office, we got a glimpse of her adventurous spirit, love for skiing, and her golden retriever, Beau. If you’re curious about the people working behind the scenes to deliver exceptional service and guidance, you won’t want to miss Jillian’s perspective on finding purpose in financial planning, building client relationships, and balancing detail-oriented work with meaning. 5 Key Takeaways: Charting Your Own Path: Jillian illustrates the courage and clarity needed to pursue a career that aligns with your natural strengths and interests, even when it departs from family tradition. The Power of Being a Sponge: Whether starting out or pivoting to new areas—in Jillian’s case, insurance and annuities—success comes from humility, curiosity, and a commitment to learning from seasoned professionals. Client Service at Its Core: Jillian’s journey underscores how detail-oriented, empathetic support can make a real difference in clients’ lives—whether helping with urgent distributions or navigating the intricacies of insurance. Finding Your ‘Why’: A personal “why”—rooted in relationships, legacy, and the desire to make others proud—fuels growth and resilience, especially in a demanding service environment. Building Relationships Beyond the Screen: Even in today’s world of digital forms and remote service, Jillian demonstrates that taking time to get to know clients personally, whenever possible, adds an invaluable human touch to financial advice. Join us for an inspiring look behind the curtain, and meet the people who help families graduate into retirement with confidence and care. Don’t forget to subscribe, rate, and share this episode with anyone who values the dedicated professionals guiding their financial futures! [embed]https://youtu.be/rR9ycYG4vUg[/embed]

Welcome back to Don’t Retire… Graduate! In today’s episode, we’re deep diving into the power of money conversations—why talking about your finances is crucial, and how it can serve as the foundation for a life of financial independence and fulfillment. Joining me is Skyler Fleming, financial coach and host of the “Money Talk with Skyler Fleming” podcast. With over 150 episodes under his belt and firsthand experience working his way up in a credit union, Skyler has become an enthusiastic advocate for breaking the taboo around discussing money and making finance approachable for everyone. During our conversation, Skyler and I explored how simple, honest conversations can be the gateway to better financial habits, awareness, and ultimately, confidence. Skyler shared his journey, from fielding frustrated calls at a credit union to helping everyday people master their money both one-on-one and through podcasting. We unpacked his signature “seven money talking points,” covering everything from emergency funds and tracking your cash flow to the big philosophical questions about debt and financial goals. We compared coaching versus planning, debated the age-old question of whether or not to pay off debt early, and dove into how technology and automation can make managing your finances easier and less intimidating. We also discussed mindset shifts through each life stage—why younger folks might want to maximize cash flow and debt leverage, while those closer to retirement may crave the security of being debt-free. Skyler and I both underscored the importance of not just focusing on retirement, but also on all the fun and meaningful goals that happen along the way: dream vacations, supporting your community, or funding your kids’ education. Ultimately, whether you’re in a partnership or on your own, we talked about building your own “money buddy” system for accountability and growth. 5 Key Takeaways: Start Money Conversations Early and Often: Breaking the taboo and having simple, honest money talks—whether with a partner, friend, or coach—can demystify finances and set you up for success, no matter your starting point. Master the Seven Money Talking Points: Skyler’s framework covers crucial questions: your emergency strategy, how you make, spend, and save money, your approach to debt, what you want your retirement to look like, and your big, aspirational financial goals. Automation and Tracking Are Allies: Whether you love spreadsheets or apps, regularly tracking income and expenses—and leveraging automation—can take the pain out of budgeting and ensure your money goals stay on track. Debt Decisions Are Personal: The question of paying off debt isn’t just about numbers; psychology and life stage play huge roles. Make debt payoff decisions based on your comfort, goals, and current opportunity costs, not just the math. Design the Life You Want—Not Just a Retirement: Planning isn’t limited to the finish line of retirement. Identify and segregate funds for your “big money goals,” and build systems (and buddies!) to stay accountable and intentional every step of the way. Join us as we explore how a little financial transparency and proactive planning can empower you to live with passion and purpose—today, in retirement, and every step in between. Don’t forget to subscribe, rate, and share this episode with anyone eager to have their own “money talks” and transform their financial future! [embed]https://youtu.be/TZmDm4JsBWE?si=_8QdQFjDhN_Z3GaF[/embed]

Welcome back to Don’t Retire… Graduate! I’m your host, Eric Brotman, and today’s episode offers a unique peek behind the curtain at the real-life journeys of financial professionals with our “Diary of a Financial Advisor” series. Our focus is on career growth, diversity in the financial planning field, and the powerful impact of financial literacy. Joining me is Manny Essien, CFP®, a dynamic member of the BFG Financial Advisors family, whose inspiring path from college intern to financial advisor reflects not only dedication but also a commitment to helping others reach their financial goals. Manny’s journey began at Stevenson University, where his passion for finance and helping others led to a serendipitous meeting with our firm—and ultimately, to a purposeful career in financial planning. During our conversation, Manny and I dive into his professional evolution, starting from his days as a student-athlete and culminating in his recent transition to client-facing advisor. Manny candidly shares the challenges and opportunities that shaped his career, including the lack of representation and exposure to financial careers for many of his peers, particularly among student-athletes and communities underrepresented in the field. We explore why so few students from diverse backgrounds pursue finance, the value of mentorship and exposure to new opportunities, and the distinctive apprenticeship-style approach we use at BFG to prepare the next generation of advisors. Manny also reveals the importance of community, role models, and setting the highest standards for excellence without perfectionism. In addition, he shares his vision for the next chapter—serving as an advocate, steward, and trusted helper for clients and communities alike. 5 Key Takeaways: Representation Matters in Finance: Manny highlights the visible lack of diversity in financial planning, and how seeing few role models in the industry can limit a young person’s belief in the possibilities for their own career. The Power of Exposure and Mentorship: Manny’s journey was shaped by mentors and chance encounters—emphasizing that if you don’t know a career exists, you can’t prepare or aspire to it. Intentional outreach and speaking at schools can create these vital opportunities. Apprenticeship Over “Sink or Swim”: Rather than the traditional approach of pushing new advisors to sell right out of the gate, BFG’s apprenticeship model focuses on gradual learning, client exposure, and holistic development—leading to better advisors and better client outcomes. Excellence Over Perfection: Manny distinguishes himself by expecting perfect effort, not perfect performance, from himself and those around him. He believes in holding high standards while understanding that learning and growth are ongoing processes. Paying It Forward: Manny is committed to giving back—returning to his alma mater, educating others about financial literacy, and striving to be a first-call advocate and steward for his clients and community. He believes true luck and success come at the intersection of preparation and opportunity. Join us for this honest, heartfelt conversation about building a career with purpose, the critical importance of representation in finance, and the transformative effect of financial literacy. Don’t forget to subscribe, share, and stay inspired as you continue your own journey toward financial freedom and lifelong learning! [embed]https://youtu.be/JYtyogFJxjE[/embed]

Welcome back to Don’t Retire… Graduate! In today’s episode, we dive into the intersection of estate planning, philanthropy, and building legacies—especially within underrepresented communities. I’m joined by the remarkable Shari Fleming, an estate planning attorney and philanthropic advisor whose passion for service, education, and bridging community gaps is truly inspiring. Shari’s credentials are impressive: Magna Cum Laude graduate of Lincoln University with degrees in History and Black Studies, J.D. from the University of Maryland School of Law, Accredited Estate Planner, and Chartered Advisor in Philanthropy. In addition to her own thriving law practice, she serves as the Planned Giving Officer at Bowie State University and founded the “Our Legacy Matters” community to advance ownership and generational wealth in communities of color. In our conversation, Shari and I explored her unconventional path to law, sparked not by an early passion but by process of elimination and an urge to help others. We discussed how her two worlds—the professional estate planning sphere and her home community—often felt disconnected, leading her to create “Our Legacy Matters” as a bridge built on accurate, accessible information. Shari described how her practice begins with clients’ intentions and dreams, not just the technical “tools” of estate law. We addressed the deeply personal side of philanthropy and why time, talent, and treasure all play crucial roles in building legacies, especially when generational conversations about giving may look different across cultures. She also touched on the challenges of building a solo practice, the critical influence of true mentors, and her commitment to mentoring the next generation of diverse professionals. We also talked honestly about work-life balance, the importance of joy, and her decision to hit “pause” and reflect after years of hard work—while keeping her eyes on new dreams, including the possibility of a book! 5 Key Takeaways: Philanthropy Is Personal: Shari emphasized that charitable planning always begins with the client’s unique intent and dreams—never just the technical tools. Professionals must listen deeply to turn intentions into meaningful strategies. Bridging Community Gaps: Recognizing the disconnect between the professional estate planning world and communities of color, Shari founded “Our Legacy Matters” to provide a safe, educational space and bridge miscommunication with accurate, accessible information. Mentorship Matters: A pivotal relationship with her mentor, Aquanetta Betts, shaped Shari’s career and underscored the value of seeking (and becoming) lasting mentors, especially for those without inherited networks or practices. Redefining Generational Philanthropy: Philanthropy in underrepresented communities often centers more on service, time, and talent than on financial gifts—yet these are powerful forms of legacy that deserve recognition and strategic support. The Power of Joyful Reflection: Success isn’t just about relentless achievement. Shari’s decision to pause and intentionally reflect—to “let the sun shine” and dream anew—shows how purposeful rest and pursuit of joy are essential for continued growth. Join us to discover how intention, compassion, and strategic planning can help you not only secure your family’s future, but also uplift your community and find fulfillment along the way. Don’t forget to subscribe, rate, and share this episode with those on a journey to transform their legacy—financially and beyond! Register for our October 7 webinar together here: https://us02web.zoom.us/webinar/register/WN_hNEOpAhcQF65OjJkI-qS-Q More details to come! [embed]https://youtu.be/CpkqJJ_zBAk[/embed] Meet Shari Fleming div...

Welcome back to Don’t Retire… Graduate! In today’s episode, I’m excited to bring you a very special installment from our “Diary of a Financial Advisor” series. We’re diving into the professional journey, passions, and perspectives of an inspiring leader in the financial world: Lena Nebel, CFP®. Lena is not only my business partner and dear friend, but also serves as President and Chief Operating Officer at BFG Financial Advisors. With almost 25 years of experience, she’s made significant strides as an advocate for women in finance, blazing trails both inside and outside our firm. In this insightful conversation, Lena shares her story from her earliest career aspirations—sparked by her mother’s administrative role—to becoming the only woman on her college investment committee and ultimately advancing to executive leadership. Lena and I discuss the challenges she faced as a woman in an industry traditionally dominated by men, and why representation and mentorship matter not just to her, but for the future of our entire profession. We also delve into the importance of opening doors for the next generation of financial professionals—especially young women who might not see themselves reflected in the field. Lena provides concrete advice for those interested in personal finance as a career, highlighting the wide range of roles available beyond being a financial advisor, and underscoring the benefits of internships and job shadowing. We explore how true diversity—of background, experience, and ideas—fuels collaboration and strong decision-making at BFG, and discuss the positive impact of study groups, advisory boards, and male allies in advancing inclusivity across the industry. Our conversation wraps with Lena’s reflections on leadership, growth, and the ever-evolving answer to, “What do you want to be when you grow up?” 5 Key Takeaways: Diverse Career Paths in Finance: Lena emphasized that the financial services industry offers far more than just becoming an advisor. Roles in client relations, marketing, operations, and research are all vital, making it a great field for a wide variety of skill sets and interests. Mentorship and Representation Matter: As someone who experienced firsthand the lack of female role models early on, Lena is committed to mentoring young women and creating pathways for them to succeed in finance. She encourages firms to offer shadowing and internship opportunities to expose students to the real-world variety of financial careers. Collaboration Drives Better Decisions: One of BFG’s guiding principles is collaboration—not just among leaders but across all levels of the organization. Lena explains how inviting input from every team member, including interns, leads to richer discussions, stronger decisions, and a healthy workplace culture. The Value of Study Groups and Advisory Boards: Peer study groups, especially those focused on elevating G2 (second-generation) women leaders, are becoming important spaces for learning and growth within finance. Lena acknowledges that both male and female advocates are needed to accelerate industry-wide change. Progress Toward Inclusion: While change is happening, Lena notes that the industry still has a long way to go to achieve true diversity. She urges firms to look beyond appearances and seek diversity in experiences, perspectives, and education as well as backgrounds, ultimately enabling better connections with a diverse client base. Join us for this inspiring episode as Lena Nebel offers wisdom for established professionals, young people considering finance, and leaders committed to creating a more inclusive future. Subscribe, rate, and share if you’re ready for your own journey toward financial freedom, growth, and purpose—don’t retire… graduate! a...

Welcome back to Don’t Retire… Graduate! Today’s episode is all about conquering clutter, downsizing with dignity, and organizing your life for the next big transition—whether that’s retirement, a move, or simply refreshing your space for a more purpose-driven future. Joining me in the studio is Tara Donohue Rudo, founder of No More Piles, an organization that has helped countless families and busy professionals in the Baltimore metro area manage life’s transitions with less stress and more organization.Tara brings more than 23 years of expertise in move management, downsizing, estate clear outs, and general home organizing. In our candid and wide-ranging conversation, Tara and I dig into the emotional and practical challenges of tackling decades of accumulated “stuff,” often spanning several generations—not just our own collections, but those of our parents, adult children, and relatives who have passed on. We talk about why people keep things for so long, how daunting the downsizing process can feel, and why it’s usually better to tackle it early rather than wait for a crisis.We also discuss some of the surprising treasures Tara and her team have uncovered hidden in old boxes and back drawers, from forgotten life insurance policies and valuable coin collections to heirlooms and important financial documents. Tara shares tips for making family conversations about decluttering easier, explains her methodical approach to breaking the process down into manageable steps, and emphasizes the importance of community and philanthropy in letting go.One thing I really appreciated was how Tara approaches downsizing proactively—not just as something you do in retirement, but as a habit worth practicing at every stage of life. She’s full of actionable advice, from digitizing old photos and creating organized shopping lists to setting up systems for periodic purging, getting the whole family involved, and making certain your “secret stuff” is handled with care. There’s also a wealth of resources and professional networks for people seeking help wherever they live.If you or your family are facing a big transition or you simply want to lighten your load, this episode packs a powerful punch with both wisdom and tangible steps to make the journey smoother.Key Takeaways: Start Early, Start Small: Don’t wait for a crisis to begin decluttering and downsizing. Tackle one room or even one pile at a time, and if you’ve lived in a home for decades, plan for at least a month per decade to manage the process without unnecessary stress. Professional Organizers as Allies: Hiring a reputable, experienced organizer (often through the National Association of Productivity and Organizing Professionals) gives you access to trusted resources, emotional support, and systems for uncovering and preserving valuables as well as clearing out everything else effectively.Treasures Among the Chaos: It’s common for teams like Tara’s to discover valuable items such as forgotten life insurance policies, coins, stock certificates, or important documents—sometimes totaling tens of thousands of dollars or more. Properly sorting and investigating paperwork can truly pay off.Involve the Family and Give Back: Downsizing isn’t just about “stuff”—it’s also a chance to talk about memories, philanthropy, and family storytelling. Regular purges, creating donation bins, and thoughtfully redistributing goods keeps giving at the center of the process. The Power of Three Friends: For peace of mind, identify three trusted people: one who knows your finances, one who knows your passwords, and one who knows about any “secret stuff.” This trio can help ensure your legacy and information are handled as you wish in any emergency.Join us as we explore how to shed physical and emotional...

Welcome back to Don’t Retire… Graduate! Today’s episode turns the tables for a special edition of our “Diary of a Financial Advisor” segment. Instead of my usual role as host, I’m stepping into the interviewee seat and handing the mic over to Tony Breen, BFG’s talented intern and a student at Stevenson University. Tony came prepared—having read my book and even “graduated” from Retire University—to dig into my professional journey and the core philosophies behind our work at BFG. In this conversation, Tony and I explored what “graduation” means beyond the standard notion of retirement, and why I believe it’s a model for living a life of growth, purpose, and continual reinvention. We discussed the legacy I hope to leave at BFG, and why mentorship and a collaborative, teaching-hospital-style environment set our firm apart in the financial services industry. I shared details on our unique ensemble practice model, the importance of spreading financial literacy, and the role mentoring has played in my career. Tony asked insightful questions about choosing a financial advisor, emphasizing authenticity and transparency over complexity and secrets—a message I’m passionate about. We also dug into why financial literacy is so crucial for everyone, young and old, and I pointed to resources both within and beyond BFG for anyone looking to boost their financial know-how. We wrapped up by talking about what I might “graduate” into next and what accomplishment I’m most proud of—hint: it’s not about personal accolades, but about building something meaningful and enduring for my team and our clients. 5 Key Takeaways: Redefining Retirement as Graduation: I shared my belief that retirement shouldn’t be a retreat, but a “graduation” into something even better—another chapter of purpose, relevance, and contribution, no matter your age or stage. A Legacy Built to Last: One of my greatest professional aspirations is to build a legacy at BFG that not only endures but thrives beyond my own career and lifetime, continuing to serve clients and foster great talent. The Power of Mentorship and Collaboration: Modeled after a teaching hospital, BFG offers advisors a place to learn and thrive without pressure to “sell”—demonstrating that collaboration and ethical mentorship are the cornerstones of a meaningful career. The Critical Need for Financial Literacy: Navigating the financial world requires knowledge and vigilance. I highlighted accessible resources like our free online financial literacy course at BFG University and recommended involvement in programs like Junior Achievement to help bridge the gap. Choosing the Right Financial Advisor: When seeking an advisor, trust and transparency are paramount. I cautioned listeners to seek professionals who are honest, open, and clear about their offerings—making the advisor-client relationship as authentic and supportive as possible. Join us for this unique insider’s perspective on purposeful growth and building a legacy in the financial world. If today’s episode resonated with you, don’t forget to subscribe, rate, and share with anyone looking to transform their approach to retirement—and to life! [embed]https://youtu.be/e1TfEAT8zC8[/embed]

Welcome back to Don’t Retire… Graduate! In today’s episode, we’re diving into the intersection of financial empowerment, psychology, and redefining money conversations—especially for women. Joining me is Chelsea Williams, also known as the Money Whisperer, and the host of the Always and Never about the Money podcast. With nearly a decade of entrepreneurial experience, Chelsea has helped countless business owners and individuals find financial clarity, dispel myths, and uncover the empowering stories that money can tell. Chelsea and I explored how it’s “always and never about the money”—challenging the black-and-white thinking that often holds us back from understanding our true relationship with finances. From Chelsea’s journey of necessity as a young single mom, to her emergence as a beloved financial educator and crusader for women’s financial literacy, we covered the unique challenges women face in the financial world and why their role in wealth-building is only growing stronger. We looked at money not as a source of stress or conflict, but as a mirror that reflects deeper life patterns—be it in setting boundaries with loved ones, or breaking generational cycles of financial exclusion. Our conversation spanned the practical application of personal and business budgets (or, as Chelsea and I agree to call it—the “B word”), the importance of emergency funds, and how to “pay yourself first” with systems like Profit First. We also went deep into financial planning as both an art and a science, the importance of regular course adjustments, and the need to own your financial understanding rather than abdicate responsibility to others. 5 Key Takeaways: Money Is a Mirror, Not a Monster: Chelsea drives home that financial problems often reflect deeper issues like boundaries, communication, or beliefs—money simply brings these patterns to the surface. Women Are Reshaping Financial Power: Despite only recently entering the world of independent finance (about 1% of the time financial institutions have existed!), women now control a growing share of wealth and are learning to own their money narratives. Pay Yourself First—Every Time: Whether personally or in business, prioritizing savings before spending allows you to break the common “net zero” habit and set yourself up for long-term success—even if you’re only saving “50 cents at a time.” The “B Word” Isn’t About Restriction: Creating a budget—whether for a business or household—is about establishing boundaries and protecting your future self, not about deprivation. Think of it as building freedom within guardrails you create for yourself. Financial Planning Is an Ongoing Art: No plan can predict the future perfectly—what matters is having a clear “shot to call,” monitoring and adjusting regularly (even quarterly check-ins can make a big difference), and being comfortable with pivoting as life happens. Join us in this energetic and insightful episode as Chelsea and I challenge old-school money thinking, provide real-world tools for financial mastery, and inspire everyone—especially women—to step confidently into their financial power. Don’t forget to subscribe, rate, and share this episode with anyone ready to reimagine their financial future! [embed]https://youtu.be/j1eM9cyc64s[/embed] About Chelsea Williams Bio: With over a decade of working with entrepreneurs and their money, Chelsea has come to understand that it's always and never about money. So she's on a mission to splash some color around this very black-and-white topic. School never taught us about money, yet we use it every day. Financial clarity can be the thing that shatters glass ceilings. With over a decade of bookkeeping for lawyers experience, she has the knowledge to not just get your financial house in order, but set it up for long-term sustainability at a healthy profit. Accounting for law...

Welcome back to Don’t Retire… Graduate! In today’s episode, I’m thrilled to welcome someone I know not only as a colleague but as a friend and business partner—Yanni Niebuhr. As part of our Diary of a Financial Advisor series, I got to sit down with Yanni, who’s celebrating an incredible 14 years at BFG. From unpaid intern to Chief Investment Officer and soon-to-be CFO, Yanni’s path is a testament to growth, leadership, and staying passionate in a constantly evolving profession. In this candid conversation, Yanni shared his unique journey from his college days at Towson University all the way to serving on our executive team. We discussed what has kept his professional “fuse lit” over the years, and Yanni gave us an inside look into the complex world of business and succession planning for entrepreneurs—an area where he thrives thanks to his love of tackling intricate challenges. Yanni also opened up about spearheading initiatives like our Financial Planning for All program and driving BFG’s corporate financial wellness offerings for companies across the country. But it’s not all numbers and balance sheets—Yanni revealed some of the lighter (and more embarrassing!) moments from inside our office. From friendly wagers that led to crop tops on the boardwalk to interpretive dances after soccer bets gone wrong, you’ll get a real sense of our team’s camaraderie and culture. We also explored the transition of leadership roles within BFG—Yanni spoke about passing the Chief Investment Officer baton and his excitement about shaping our firm’s future as CFO. Our conversation wrapped up with Yanni’s advice for young advisors eager to make their mark in financial services, underscoring the importance of patience, continued learning, and never losing the human touch that defines our firm. 5 Key Takeaways: Growth through Every Role: Yanni’s journey from unpaid intern to executive team member highlights the power of curiosity, adaptability, and patience in career progression—valuable lessons for any professional aiming for leadership. Embracing Complexity: His passion for complex financial and business planning, especially for entrepreneurs and family businesses, shows how diving into challenging territory can fuel a rewarding and meaningful career. Culture Matters: Office culture and shared laughter—like wagers, crop tops, and interpretive dances—create lasting bonds that make hard work and long hours enjoyable and sustainable. Succession & Transition: Yanni’s move from CIO to CFO is a model for “graduating” from one role to another within a growing firm, and demonstrates the importance of recognizing team strengths and supporting new leaders. Advice for the Next Generation: Yanni’s top guidance? Don’t rush. Take time to learn and develop before seeking instant advancement, and embrace the opportunities to grow in both skill and confidence at every stage. Join us for an episode full of lessons in professional development, authentic office stories, and a behind-the-scenes look at what it really means to build a career—and a firm—with purpose. As always, I encourage you to subscribe, rate, and share the podcast with anyone looking to navigate their own journey toward financial independence and fulfillment! [embed]https://youtu.be/vR7e0id0Fx0[/embed]