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The Tony Steuer Podcast

Author: Tony Steuer

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The Tony Steuer Podcast features conversations with financial literacy advocates who are changing the conversation on money, as well as catching up on the latest trends and ideas in the world of financial literacy and education.
41 Episodes
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“Be financially awake and aware of your personal situation, because you cannot be a good steward if you don't know where you're starting from” - Terrell DinkinsIn this episode, I spoke with Terrell Dinkins, President of One Bucket Nation and author of “Secrets of the 800+ Club: How to Raise Your Credit Score, Maintain Good Credit, and Live the Life of Unicorns”  about the importance of building wealth one bucket at a time.   We also discussed how to raise your credit score and maintain good credit along with specific challenges for women with financial literacy.Bio: Terrell Dinkins is the President and Founder of OBN Wealth Advisors, which primarily focuses on wealth-building strategies for women.  To help close the wealth gap and break down barriers around personal finance and money, Terrell hosts a quarterly series for women entitled: Women and Money Conversation Circle. Terrell is also President of One Bucket Nation, through which she is a wealth empowerment speaker and two-time author. In 2017, Terrell received the Atlanta SMART Woman Award from the Jeannette Rankin Women’s Scholarship Fund. In 2018 she was awarded the Malinda K. O’Neal Entrepreneur Award by Alpha Kappa Alpha Sorority, Incorporated; and in 2019, she received the Emory O. Jackson Journalism Award and named one of Atlanta’s 100 Women of Influence by the Atlanta Business League.
“Knowing what you have and then understanding as much as you can as a foundation for making wise financial decisions going forward.” - Marie BurnsIn this episode, I spoke with Marie Burns, author, and host of the Mind, Money, Motion podcast about the inter-relationship between our mindset, money habits, and the motion of our mind and body.  We also discussed challenges for women with financial literacy and how people can start their own mind, money, and motion journey.Bio: Marie Burns, a Certified Financial Planner (CFP®), has been advocating for clients’ financial health for 20 years. Originally from Wisconsin, she has helped clients with their financial lives in a fiduciary capacity in a bank setting, accounting firm, at Vanguard, at a financial planning firm and now writes, speaks, and educates as a financial advocate in her Mind, Money, Motion business and also has an independent advisory and investment management practice called Focus Point Planning. She is on the board of The Financial Awareness Foundation, a member of the Financial Planning Association of Greater Phoenix, on the board of the Senior Advocacy Group of Ahwatukee, on the Women’s Leadership Committee at Mountain Park Church in Ahwatukee, author of a financial checklist book series, and podcast host of Mind, Money, Motion.
In this episode, I spoke with Barry Flagg, Founder of Veralytic, Michael Browhawn, founder of Your Life Insurance Solutions and Bill Comfort, Owner of Comfort Long Term Care about managing life insurance policies.  We discussed in-force life insurance illustrations and  and how an advisor can transition from being a sales person to being a trusted advisor.“When looking at a life insurance policy, you’ve got to understand three things: what’s being charged inside the policy and is it fair, what is the performance required to meet your expectations and is it reasonable, and are those performance expectations consistent with your risk profile. Cost, performance and risk - consumers have to understand that”. - Barry Flagg “When looking at a life insurance policy, break it down to the characteristics of different types of policies and then focus in on the premium flexibility (is it required or is it flexible), the investment risk which goes hand in hand with cash value (is there a need for cash value), the death benefit guarantee, and then focus on the cost.” - Michael Brohawn“If you’re buying long term care insurance or have an interest in having a benefit like that, you have to work with someone who represents all of the different options, otherwise you will not get a fair comparison. It’s making sure that you’re exposed to being educated from a non-biased place as much as possible, knowing what all of the options are.” - Bill ComfortBios: Barry Flagg is the inventor and founder of Veralytic. Barry is a recognized expert in applying Prudent Investor principles to life insurance product selection and portfolio management and serves as sub-advisor to thousands of life insurance trusts. Michael Brohawn is the founder of Your Life Insurance Solutions. Michael is a pioneer in the trust-owned life insurance field. Michael, along with two partners, founded the first full-service trust-owned life insurance (TOLI) outsource firm in the country. Michael is the author of The Wealth Advisors Guide to Life Insurance. Bill Comfort is an independent LTC specialist agent with Comfort Long Term Care. Bill hosts the broadcast & podcast show: “Aging America Radio” with a focus on a wide range of topics supporting "successful aging".
“Start now and come to the table. Everyone wishes for a lot of things they could have done yesterday, but yesterday’s gone, so we have today. We have to come to the table and we have to own our finances. We’re the only ones who can take control.” - Maggie Nielsen.In this episode, I spoke with Dr. Barbara Provost, founder of Purse Strings, and Maggie Nielsen, partner at Purse Strings about how women can become financially fearless.  We also discussed why women can feel overlooked and how an advisor can transition from being a salesperson to being a trusted advisor.Bio: Dr. Barbara Provost is a consultant, educator, advisor to the World Bank, and founder of Purse Strings. Maggie Nielsen is a partner at Purse Strings and is focused on empowering young women to be in the financial conversation. Purse Strings was designed to teach financial professionals how to reach, engage, and earn the female dollar.
“Start with your vision. Write down what a day in your life in retirement looks like, and describe it in the present tense (today). This will guide you in the choices you make. ” - Ilene Slatko. In this episode, I spoke with Ilene Slatko, founder of DSS Consulting about the importance of mastering your money mindset.  We also discussed challenges for women with financial literacy and how women can get on the right track (financially).Bio: Ilene Slatko is the Founder and Principal of DSS Consulting. Ilene is also a speaker, coach, and consultant.  DSS Consulting provides clients with behavioral and financial decision-making strategies. Through seminars, webinars, her Money Masters program, and an online library of financial programs, Ilene takes clients through various aspects of their financial journey. 
“Always have a budget and an emergency fund. Having an emergency fund will cushion you against unforeseen issues that may arise.” - Sheila Mmboga. In this episode, I spoke with Sheila Mmboga, founder of the Financial Wellness Centre about the importance of financial wellness.  We also discussed trends in financial literacy education along with what’s unique about finance in the United Arab Emirates and what are common financial issues across the globe. Bio: Sheila Mmboga is a financial literacy advocate, Economist,  Entrepreneurship Consultant, and founder of The Financial Wellness Centre in the United Arab Emirates. Sheila is also the host of Financial Wellness with Sheila Mmboga. Her exemplary work in financial and business consultancy has resulted to her being featured on various local and international business platforms. 
“Pay attention. Prepare for the heart to heart college money talk.” - Haruka YamashitaIn this episode of Get Ready, I spoke with Haruka Yamashita, Founder of Plan-It-Education about what College Knowledge you need to know to make the best college admission decisions.  We also discussed the “College Knowledge with Haruka YouTube series”.Bio: Haruka Yamashita is a college admissions counselor, based in the San Francisco East Bay. She founded Plan It Education in 2016 and has hosted College Knowledge Webinars since 2020.  Haruka is a graduate of Cornell University with a B.S. in Human Development and Family Studies. She brings a passion for working with youth and counseling to her practice.  She shares unique insights as a result of her own Ivy League education.  Her mission is to inspire, motivate and educate families so that they can make the best college admissions decisions. In 2020, she launched College Knowledge Webinars and her YouTube Channel: College Knowledge with Haruka. 
“Don’t be a bobblehead, don’t just sit there and shake your head. And don’t be afraid to ask for help.” - Dave SeibelDavid Seibel, Author of Don’t Run Out of Money and host of the Don’t Run Out of Money TV show joined me on the Get Ready Podcast to talk about the concept of how to avoid running out of money. We also discussed how wealth management is about more than investing and The Don’t Run Out of Money TV Show.Bio:  David J. Seibel MBA, ChFC® is the bestselling author and the founder and Managing Partner of AGS Aurora Financial Services, LLC. Since the height of the financial crisis in 2008, Dave has been helping families manage their financial risk and develop plans for their financial future to help ensure they don't run out of money.  Dave has a Master of Science degree from Worcester Polytechnic University and a Master of Business Administration from Fordham University. Dave is also a Chartered Financial Consultant®.  Before beginning his entrepreneurial career in 2000, Dave held corporate finance and executive finance positions at companies such as Random House Publishing, Allied-Signal, Estee Lauder, Revlon, Coleman, where he was Treasurer, and Sunbeam, where he was Vice President, Chief Financial Officer, International.
“First of all commit to being financially prepared. There are a great number of resources to be financially prepared. Start with a financial preparedness checklist, give yourself a deadline and do it. Be Prepared. ” - Michelle BossIn this episode of Get Ready, I spoke with Michelle Boss, Founder of The Money Boss about the importance of financial literacy. We also discussed specific challenges for women with financial planning along with the importance of having a money coach. Bio: Michelle Boss, aka The Money Boss is a Personal Finance Coach & Educator and Livermore, CA business woman currently founding The Livermore Valley Wine Country Inn. She guides her clients to financial peace and freedom via one on one coaching. With money tools and accountability, Michelle addresses such topics as money mindset, entrepreneurship, budgeting, credit and debt management, investing and establishing success habits and behaviors for a lifetime of financial wellness.
Quote: Buy enough (life insurance) the first time and don’t let it lapse. In this episode of GET READY!, I spoke with Bob Bland, the founder of Lifequotes about the future of life insurance. Bob shared why it’s important to consider underwriting first when reviewing life insurance quotes.  We also discussed how no-exam life insurance policies have improved underwriting processes, though consumers may pay extra for this convenience. And we covered the importance of working with a firm such as Lifequotes which represents multiple life insurance companies. Bio: Robert Bland is the founder and CEO of Lifequotes.com. Lifequotes specializes in the sale of term life insurance through their platform that allows consumers to instantly compare the rates of 30 leading life insurance companies. By allowing people to obtain their own quotes and purchase from the company of their choice, Bob and his team have dramatically improved and streamlined the way people buy life insurance.Lifequotes: (learn more here)**Please note that this is an affiliate link and I may make a small commission at no extra cost to you should you make a purchase.
“The #1 key take-away is to invest, to invest in yourself, to invest in whatever is the vehicle for you, investing in the stock market, investing in real estate, investing in life insurance - yes, that is an investment -  invest in you, so that you are educated and you are now empowered to make the right decisions for you and your family.” - Lynn DemmonsIn this episode of Get Ready, I spoke with Lynn Demmons, CEO of Demmons Enterprise and host of the Financial Confidence Podcast about being confident with your finances. We also discussed the Swing Into Their Dreams Foundation and the unique challenges for Historic Black College and University students. Bio: Lynn Demmons, CFO and Co-Founder of the Swing into Their Dreams Foundation is an author, keynote speaker, consultant, executive coach and CEO of Demmons Enterprise a professional development training company. Working with clients across the country, Demmons conducts group seminars and facilitates sessions for corporate and government executives, academia and not-for-profit organizations helping them to make their money, keep their money and grow their money. Her simple yet practical, systems empower clients to grow and focus on outcomes not incomes. As a result, her clients achieve the best financial life for their purposes. Demmons’ philosophy is “Be generous with what you have- no matter how big or small; results will follow.”
“Take small forward actions and to be kind to yourself in the process, so try to learn something new every day we’ve never been in a better age to learn about money and about personal finance.” - Tracey BissettIn this episode of Get Ready, I spoke with Tracey Bissett, President of Bissett Financial Fitness, Inc and host of the Young Money Podcast about the concept of financial fitness. We also discussed the Young Money Podcast and the Young Money Scholarship Fund. Bio: Tracey Bissett is on a mission to redefine the world's economic future by increasing the financial literacy of entrepreneurs, also known as financial fitness. As the founder, President, and Chief Financial Fitness Trainer at Bissett Financial Fitness Inc., Tracey helps her clients understand and improve their level of financial fitness with a goal of increased confidence using their financial skills so they can be successful in their financial lives. In addition, Tracey is a professor at Centennial College’s School of Business and regularly leads speaking engagements to increase financial fitness awareness. 
“Start by educating yourself, there are resources out there that you can access easily and that you should be taking advantage of. Learn as much about personal finance as you can, so that you can take control of your finances. ” - Cameron HuddlestonIn this episode of Get Ready, I spoke with Cameron Huddleston, award winning journalist and author of “Mom and Dad, We Need To Talk”, about her book and her financial philosophy. We also discussed how people can have family, inter-generational money conversations  along with Cameron’s views on financial literacy.Bio: Cameron Huddleston is the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. She also is an award-winning journalist with nearly 20 years of experience writing about personal finance. Her work has appeared in Kiplinger's Personal Finance, Chicago Tribune, Forbes.com, MSN, Yahoo! and many more online and print publications. 
“We need to stop over sharing on social media. Every time we’re sharing something, it’s a piece of your personal information.” - Dana MantiliaIn this episode of Get Ready, I spoke with Dana Mantilia, the founder of Identity Protection Planning about the importance of protecting your identity. Dana shared about how people can identify and protect themselves from identity theft.  We also discussed the importance of why it’s important to have regularly monitor your identity.Bio: Dana is the founder of Identity Protection Planning. Dana takes a different approach to cyber security. Instead of once a year, boring training that makes employees want to poke their eyes out, she helps create a workplace culture that embraces a positive cyber security culture. Dana also speaks to audiences large and small about how people can protect themselves, their families and their homes against cyber crimes. 
“Be curious. When you have questions, pursue those , ask the question, find out the answer, many people wonder , should I do this, should I do that. However, they don’t really look for solutions so I’d say just being curious is the best tip for financial literacy.” - Laura AdamsIn this episode of Get Ready, I spoke with Laura Adams, author and host of the Money Girl Podcast about Laura’s new book “Money-Smart Solopreneur” and the Money Girl Philosophy. We also discussed how people can integrate the Money Girl philosophy into their financial lives along with Laura’s views on financial literacy.Bio:  Laura Adams is one of the nation’s leading personal finance and small business authorities. As an award-winning author, media spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers, listeners, and loyal fans benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by making the most of what they have, planning for the future, and making smart money decisions every day.
“The most important thing is to make sure that obligations to your family can be met under any circumstances and yes, that’s going to involve adequate insurance. And, it’s more than that, it’s making sure that you’re diligently saving, that you’re building your emergency fund and not living outside of your means.” - Maxwell SchmitzIn this episode of Get Ready, I spoke with Maxwell Schmitz, Maxwell Schmitz, the Insurance Resource for Certified Financial Planners about the importance of disability insurance and what to consider during your employer’s insurance open enrollment. We also discussed Max’s financial literacy philosophy and his thoughts on financial preparedness. Bio: Maxwell Schmitz joined DI & LTC Insurance Services as a third-generation DI specialist in the bottom of the recession in 2009. Since then he has developed a specialty in working with CFPs and RIAs to consult and implement proper disability planning for their clients. Max and I also co-authored The Questions and Answers on Disability Insurance Workbook.Connect with Maxwell Schmitz:LinkedIn: (here)Website: DI & LTC Insurance Services (here)
“Simplify and reduce the number of moving parts in your plan. Your investment portfolio doesn’t have to be complicated to be successful. That very few constituent holdings can get you to your goal.” - Christine BenzIn this episode of Get Ready, I spoke with Christine Benz, the Director of Financial Planning for Morningstar about being an investment minimalist and how it can improve your financial life. We also discussed how life stage impacts how people should think about their investments along with the financial complexity complex.Bio: Christine Benz is Director of Financial Planning for Morningstar. In that role, Christine focuses on retirement and portfolio planning for individual investors. Christine is the co-host of Morningstar’s Long View podcast. She is  the author of 30-minute  Money Solutions: A Step-by-Step Guide to Managing Your Finances and  co-author of Morningstar® Guide to Mutual Funds: 5-Star Strategies for Success.  In 2020, Barron’s named her to its inaugural list of the 100 most influential women in finance. Crain’s Chicago Business named her a Notable Woman in Finance in 2019.Please subscribe to receive notifications of future episodes of the Get Ready with Tony Steuer podcast.
“Inspect what you expect. If you’re a business owner or you’re a manager and you have employees, if you expect them to do something or perform in a certain way, you’ve got to observe it. It’s the same thing for your financial future whether it’s your 401(k) or your life insurance policy, if you’re not periodically looking at it, the chances of you not getting what you expect go up so, inspect what you expect.” - Barry FlaggIn this episode of GET READY!, I spoke with Barry Flagg, the Founder of Veralytic about the importance of reviewing insurance policies. We also discussed what people should look for when reviewing their insurance policies along with how Veralytic reports are an important tool for managing an in-force life insurance policy.Bio: Barry D. Flagg is the inventor and founder of Veralytic, the only patented online publisher of life insurance pricing and performance research and product suitability ratings. Barry is a recognized expert in applying Prudent Investor principles to life insurance product selection and portfolio management and serves as sub-advisor to  thousands of life insurance trusts. 
"You have to decide to make a conscious and intentional effort to obtain financial independence and once you do that, get all the resources that you can and you will be ready for any financial crisis." - Peter Kwadwo Asare Nyarko.In this episode of GET READY!, I spoke with Peter Kwadwo Asare Nyarko, the Executive Director of the Center for Financial Literacy Education (Africa) about financial literacy for children. We also discussed trends in financial literacy education along with what’s unique about finance in Ghana and what are common financial issues across the globe. Bio: Peter Kwadwo Asare Nyarko is a Social Entrepreneur, Author, Founder and Executive Director of Center for Financial Literacy Education Africa. He is a Financial Literacy Advocate and Educator.  Peter is the Lead Ambassador for The Financial Awareness Foundation in Ghana. Peter and his team are championing “The Improving Financial Awareness and Financial Literacy Movement in Ghana and Africa.”
"Have a plan. Have goals. But, don’t just have goals and a plan, have a system that works for you. That might be creating an investment plan to begin with and following that investment plan. It might be automating your investments somehow through a robo-advisor, that might require you to hire an advisor. I think any of those options work as long as you have a plan and a system in place." - Daniel Lee In this episode of GET READY!, I spoke with Daniel Lee, a fiduciary financial planner who is the head of Plancorp’s San Francisco office about the benefits of having an investment plan. Daniel discussed the components of an investment plan and what to keep in mind when reviewing your investment portfolio. We also discussed how people can incorporate socially and environmentally responsible investing into their strategy. Bio: Daniel Lee, CFA®, CFP®, is a fiduciary financial planner dedicated to helping busy people make intelligent financial decisions. He is the head of Plancorp’s San Francisco office, a full-service wealth management company, and consults for BrightPlan, the first digital financial wellness solution certified for fiduciary excellence. Daniel is an award-winning personal finance instructor at UC Berkeley Extension and is a member of the CFA Society of San Francisco and the National Association of Personal Financial Advisors.
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