Model FA Podcast

Tara Tussing Unverzagt grew up with one of the first CFPs but started her career as a computer programmer, project manager at a software company. She turned to financial planning when she got married and wanted to work from home to raise children (just like her mom had.) She started South Bay Financial Partners in 2014 after working in her mom's business for 20 years. South Bay Financial Partners serve a diverse range of individuals, couples, and multigenerational families who yearn for financial independence, peace of mind, and success. Prospects often don't know how to get started or find their next steps. SBFP's mission is to empower both individuals and families alike by helping them become knowledgeable, confident, and brave to level up and reach their goals. This episode featured Tara Tussing Unverzagt, a financial planner who incorporates financial therapy into her practice. She discussed how understanding clients' emotional relationships with money helps her better serve them. The conversation highlights Tara's background and how she came to focus on financial therapy. David and Tara also shared personal stories and examples of how examining underlying beliefs can transform clients' financial well-being. "We understand that money is emotional. From day one, we understand that a lot of financial planners are like, 'I don't want to talk about that part, I just want to talk about the numbers.'" - Tara Tussing Unverzagt This week on The Model FA Podcast: Financial planning, bicycling, and personal experiences. Financial therapy and its role in personal finance. Using internal family systems for financial therapy. Client relationships, fees, and market volatility. Financial struggles and relationships with money. Financial literacy and personalized solutions. Financial well-being and relationships. Therapy books and their impact on personal growth. Sales training and marketing strategies. Our Favorite Quotes: "Well, there's also another saying that there's two kinds of bicyclists, those who have had accidents and those who will have accidents. There's no way to ride a bike without having accidents." - Tara Tussing Unverzagt "Number one, my parents, they ended up getting divorced, and the variety of issues but what it boiled down to is, anytime they fought, it was over money, or because they were stressed about money, and they'd fight about something meaningless. Because that was like the boiling point, the tipping point. And seeing that made me stress about money." - David DeCelle " I used to think that vulnerability was weakness. Now I'm realizing no, you have to be friggin brave, to be vulnerable. And to put that out there. So be brave. And that's why in the intro, we tried to help people be brave and level up, be brave, have that conversation with your cohort." - Tara Tussing Unverzagt "I said earlier that money issues often come from safety, which often comes from connection with other people." - Tara Tussing Unverzagt Connect with Tara: Interested in connecting with Tara? Click here: https://calendly.com/financial-coaching-team/podcast-priority-referral LinkedIn: www.linkedin.com/company/south-bay-financial-partners/ Website: https://southbayfinancialpartners.com/ Email: tara@sbfinancialpartners.com About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no "gotchas" or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered. Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.

Abby Morton is the Head of Community and Culture for Elements. As a CERTIFIED FINANCIAL PLANNER™ Abby brings an insider's perspective on how marketing, sales, and financial advice should converge to drive optimal results in a modern RIA. In this episode Abby Morton from Elements joins us to discuss how the platform can be used to provide prospects with a free, quick financial assessment to give them value and incentivize continuing the advisory relationship. Abby outlines how Elements integrates easily into an advisor's existing tech stack and allows them to serve more clients in less time by simplifying the financial planning process. David shares strategies for leveraging Elements within a give-get marketing framework and subscription model to formally engage younger clients and families earlier. They also explored how large firms could benefit from Elements to justify building advisory relationships with clients below the typical minimum asset thresholds. "Elements is a way to help advisors, help clients really understand their money in ways that they never have before." - Abby Morton This week on The Model FA Podcast: Introducing Abby Morton Using AI to solve financial planning challenges. A financial planning tool for advisors and clients. Using free financial assessments to attract clients. Using technology to improve financial planning and client relationships. The impact of Simon Sinek's "Start With Why" book and its application in a financial services firm. Our Favorite Quotes: "Finances and money are the biggest stressor in American lives today." - Abby Morton "When you think of clients, especially the new generation of clients, and with a lot of advisors now, engaging with those younger clients and more like a subscription model elements just beyond the functionality. It just looks cool." - David DeCelle "We are that tool to give you the diagnostics, we're kind of that initial financial checkup." - Abby Morton "Advisors have a desktop version and a mobile interface, but in the users of it will only use the phone because we feel like that is the way that tech is going is clients want to sit down on the couch at the end of the day and interact with their advisor when they're tired, you know, they don't want to like necessarily have to go and sit down at their desktop." - Abby Morton Connect with Abby: LinkedIn: www.linkedin.com/in/abbymorton/ Website: https://getelements.com Email: abby.morton@getelements.com Learn More About YCharts "This episode is sponsored by our friends at YCharts. If you don't already know, YCharts releases a Top 10 Visuals resource deck each quarter, packed with data and visuals to help advisors easily communicate complex investing topics with clients or prospects. YCharts is hosting a webinar on October 18th to deep dive into the deck, with topics ranging from the value of long-term investments to the art of crafting the right retirement portfolio allocation — all packaged in a convenient, editable slide deck you could easily leverage during any meeting or conversation. Click the link below to register for YCharts' webinar and receive your own copy of the "Top 10 Visuals for Clients & Prospects" slide deck. Remember, you can get 15% off your initial subscription when you start your free YCharts trial and tell them I sent you (new customers only). https://ycharts.zoom.us/webinar/register/8116962561853/WN_FbGphtSBRPmzoiIYPWiFgw

Michelle Atlas-Quinn, J.D. is the Vice President of RIA Operations for AdvisorLaw. She is an Attorney licensed by the Colorado Supreme Court to practice law (active registration). She earned her Juris Doctorate from University of Denver Sturm College of Law. Michelle formerly held FINRA licenses Series 7, 63, and 24 and former Colorado life and health insurance license. She earned her Bachelor of Arts in Philosophy from the University of Colorado. David and Michelle discuss the transition from working with a broker-dealer to becoming an independent registered investment advisor (RIA). Michelle shared her career journey which led her to founding the RIA division at AdvisorLaw. She discussed some of the benefits of being an RIA like lower fees, less regulatory oversight, and more freedom in marketing. However, she cautioned that as an independent advisor there is more responsibility to ensure compliance. Michelle provided tips on complying with regulations and working with a compliance partner like AdvisorLaw. Overall, the discussion focused on helping advisors understand the opportunities and responsibilities involved in making the shift to the RIA space. "The SEC Rule is, am I doing what's in the client's best interest? Am I being careful with their money and making decisions that I think are careful." - Michelle Atlas This week on The Model FA Podcast: Career journey and RIA services with Michelle Atlas. Transitioning from broker-dealer to RIA. Regulatory changes and compliance in the RIA space. Marketing in the financial industry with a focus on compliance. SEC compliance for financial advisors transitioning from broker-dealers to registered investment advisors. Our Favorite Quotes: "Anything that you collect a fee on, is Ria, anything you could collect a commission on, is a broker-dealer. And so you look at your book and you say, well, what else am I still collecting commissions on?" - Michelle Atlas "From a marketing standpoint, in the RIA space, it's just nice that you can market your business more in alignment with the way that businesses are marketed today." - David DeCelle "So there are some challenges, but I think 85-90% of most people's books these days, if you look at them, are fee based, because they are using managed money." - Michelle Atlas "FINRA derives their jurisdiction from the SEC. So instead of having three regulators, and if you're doing insurance, maybe four, you're down to three." - Michelle Atlas Connect with Michelle: LinkedIn: https://www.linkedin.com/in/michelleatlas/ Website: https://advisorlawllc.com/ Email: matlas@advisorlawyer.com About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no "gotchas" or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered. Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.

Mark Willis, CFP® is a man on a mission to help you think differently about your money, your economy and your future. Mark is a CERTIFIED FINANCIAL PLANNER™, a three-time #1 Best Selling Author and the owner of Lake Growth Financial Services, a financial firm in Chicago, Illinois. As co-host of the Not Your Average Financial Podcast™, he shares some of his strategies for investing in real estate, paying for college without going broke, and creating an income in retirement you will not outlive. Mark works with people who want to grow their wealth in ways that are safe and predictable, to become their own source of financing, and create tax-free income in retirement. On episode 136 of the Model FA Podcast David and Mark emphasize the importance of treating oneself as a key investment and examine the one-size-fits-all approach of recommending generic investment options like target date funds to entrepreneurs. They discuss the pitfalls of "shiny object syndrome" as Mark introduces the idea of "iki-gai," a Japanese concept for finding one's reason for being, as a tool to align passion, skill, and market demand. "Conflict at its root is just unexpressed expectation. So go deep before you get into proposing and strategies and recommendations, figure out what their expectations are." - Mark Willis This week on The Model FA Podcast: Mark's introduction. Strategies to get to seven figures. Mark's philosophy on target market and how to position yourself. Power of podcasting. Leveraging the power of content. How conflict can build relationships. Our Favorite Quotes: "Guesting on someone else's show is brain dead simple, because you just get on and you have a conversation with someone who loves to chat with you, and you hopefully enjoy chatting with him. The power there is, you're getting in front of your target audience, you're having a one on one long form discussion with people who might just do business with you." - Mark Willis Connect with Mark: Twitter: https://twitter.com/LakeGrowth/ LinkedIn: https://www.linkedin.com/in/marklakegrowth/ Website: https://lakegrowth.com/ Email: thanks@lakegrowth.com Learn More About YCharts This episode is sponsored by our friends at YCharts. Exciting times at YCharts — they just announced their latest product enhancement called Proposals. YCharts Proposals is a game-changing capability, empowering wealth management professionals with the prowess to craft captivating narratives, effectively conveying their investment strategies that help win new business. But that's not all – mark your calendars for September 22nd because YCharts will be hosting a webinar to unveil Proposals and show off its full potential. You'll learn how to whip up reports that don't just highlight the value of your investment strategies but also cater to your clients' unique financial needs. Click the this link to register for YCharts' webinar if you want to learn more about Proposals, and get 15% off your initial subscription when you start your free YCharts trial (new customers only). Register: https://ycharts.zoom.us/webinar/register/5916933495668/WN_OD3x5xyzQ7qWTrtGDChLFA About the Model FA Podcast: The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no "gotchas" or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Our Team: President of Model FA, David DeCelle

Eric Brotman is the CEO of BFG Financial Advisors, President of Brotman Consulting Group, LLC, Host of "Don't Retire...Graduate!" podcast, and author of three books on personal finance including "Don't Retire...Graduate! - Building a Path to Financial Freedom and Retirement at Any Age" On episode 135 of the "MODEL FA PODCAST," the spotlight is on Eric, the CEO of BFG Financial Advisors and author of "Don't Retire Graduate." The episode delves deep into the crucial role of company culture, mission statements, and the power of advisory boards in shaping businesses. As the conversation progresses, Eric emphasizes the value of building authority and influence through authentic podcasting, robust networking, and mastermind groups. The episode further underscores the significance of early exit strategy planning, collaboration over competition in the financial industry, and the potential of strategic alliances. Wrapping up, Eric discusses the indispensable nature of reading, recommending seminal books that provide foundational knowledge for financial advisors. "I think it's incredibly important to be authentic. The key to podcasting is to be yourself, to be vulnerable, to be authentic and to be fallible. And then if you're relatable in that way people will seek you out." - Eric Brotman This week on The Model FA Podcast: Culture Culture Culture Culture. How often should you review your mission statement? The importance of building authority and influence. Two paths to build influence. The power of being yourself. The importance of having a succession plan. The importance of having an exit strategy. Strategic alliances and how they work. The importance of having a reading list. Our Favorite Quotes: "One of the things I loved when I was an advisor is the culture of joint work. And being able to learn from other folks, either in my office or throughout the countr; people who had different specializations." - David DeCelle "I believe in collaboration over competition, I think our industry is one that's has the benefit of radical abundance. There are so many opportunities, so many people and families and businesses need our help. There's a shortage of financial advisors and an even bigger shortage of good ones." - Eric Brotman "Culture, culture, culture, if you add people to your organization, not just clients, but particularly employees, or other advisors, the Fit has to be really, really perfect." - Eric Brotman Connect with Eric: Connect on Twitter Connect on LinkedIn Website: https://www.brotmanconsultinggroup.com Email: ebrotman@bfgfa.com About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no "gotchas" or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered. Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.

Trent Dudenhoeffer (Duden-hoff-er) is a CFP® practitioner. He started his career as a financial planner at LPL Financial but left in 2021 to join Watchdog Capital where he is focused on the convergence of bitcoin and traditional finance. Isaiah Douglass is a MBA, CFP®, CEPA. He specializes in working with veterinarians and dentists due to a personal relationship that started with finding how I could help him be successful in his career. In this episode David is joined by Trent and Isaiah to unravel the fascinating world of bitcoin and cryptocurrency, discussing everything from their personal journeys into the space, to the broader implications for the financial industry. This engaging conversation touches on the distinctions between bitcoin and other cryptocurrencies, the impact of regulation, and the potential future of digital assets. "I do believe you have a fiduciary responsibility to, at the very least, educate yourself and form an educated opinion on crypto. And based on that opinion, decide whether or not to discuss crypto with your clients" - David DeCelle This week on The Model FA Podcast: The difference between crypto and bitcoin specifically. What makes bitcoin unpredictable and crypto very unpredictable? What makes bitcoin different from other cryptocurrencies? Does regulation play a role? Bitcoin is not an asset only for politicians. The size of the total addressable market. How does this fit into the financial plan? Fiduciaries have been given the okay to largely ignore bitcoin. Fiduciary responsibility to educate clients. Books that have had an impact. Our Favorite Quotes: "Everyone is drinking from a firehose, with everything else,and then add crypto on top of that. We're just trying to cut through as much noise as humanly possible to give you exactly what you need in the most efficient way. So that you can actually be knowledgeable about Bitcoin." - Trent Dudenhoeffer "A little bit of Bitcoin goes a long way. And if they're already, okay, this can ensure that if we see an event happen that maybe you don't believe ever really happens. But it does help protect the purchasing power of those individuals. I think ultimately, that's what bitcoin does." - Isaiah Douglass "That's the only way financial plans ever work is if you have a long term time horizon. So go ahead and make your jokes now. Yes, bitcoins down. Yes, I was touting it at its high at 69,000. You got me. Let's talk again in 10 years, and we'll see who's laughing at that point?" - Trent Dudenhoeffer Connect with Isaiah: https://twitter.com/IDFinancial Connect on LinkedIn Website: https://www.vincerewealth.com Email: isaiah@veterinariansuccesspodcast.com Connect with Trent: Connect on Twitter Connect on LinkedIn Website: https://www.adviceonbitcoin.com Email: twdudenhoeffer@gmail.com About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no "gotchas" or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered. Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.

Daleele Alison is a technology professional and entrepreneur. He is the CEO and co-founder of RooksDM, a technology consulting group that helps alleviate pain points for small to midsize companies by using the right technology. Daleele has worked as a consultant, business analyst, and project manager for Fortune 500 companies to SMBs. In this episode, David interviews Daleele Alison, the President of RooksDM, a tech company that helps businesses streamline their processes using technology. They discuss how RooksDM assists financial advisors in improving their efficiency through automation. Daleele shares some examples of their automation solutions, such as using online forms to collect data from clients, automating scheduling of client meetings, and using AI to extract data from documents. They also talk about the importance of standardizing document management across firms and how implementing technology can significantly impact a business's value and growth. Broadly, we serve professional services, so any service based company, we can help service. And the main reason for that, and it kind of ties into one of our philosophies. We're process first, technology second." - Daleele Alison This week on The Model FA Podcast: Introductions and welcome. How Daleele got into the tech space Automate the non-client-facing aspects of your business. Automation of calendar links. Leveraging data from multiple sources. Leveraging workflow automation for onboarding. Automation of renaming files. How do you leverage intangible assets to drive value? The importance of ai and tech. Traction or rocket fuel. Our Favorite Quotes: "So we can leverage some automations using email. So in that specific scenario, for example, is, hey, you're still collecting the documents and the data via email, we're just leveraging workflow behind the scenes to help route what happens once the email is received." - Daleele Alison "So sometimes what we see is, and we're all guilty of this of, hey, technology can help me solve this problem. And we just throw some tech at it, and it'll be magically solved. And that's not the case." - Daleele Alison "I know, at least for me, and some of the advisors I work with, the tech side of the business can be fairly overwhelming." - David DeCelle "Yeah, so few different things. One simple one is leveraging online forms to collect data. So a lot of data is still being captured, may we consider it manually through email." - Daleele Alison "Advisors want to impact folks. They want unlimited potential for their income, and they want independence in their calendar." - David DeCelle Connect with Daleele Alison: RooksDM Website RooksDM on Facebook RooksDM on Instagram RooksDM on Twitter Daleele Alison on LinkedIn Email: daleele@rooksdm.com About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no "gotchas" or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered. Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.

Joe Templin is the author of Every Day Excellence, a book that outlines the process of making daily investments toward personal improvement and development. Widely regarded as the Human Kaizen Expert, Joe is dedicated to making individuals and organizations better. He is the co-founder and President of The Intro Machine, a learning ecosystem and training environment that helps individuals build and grow an introduction-based business. Before co-founding The Intro Machine, Joe served as the Managing Director of The Unique Minds Consulting Group and was a director at Northwestern Mutual. Joe joins me today to outline the components of the g-factor and how they determine the rate of success in life. He discusses examples of unconscious competence and the role of sleep and rest in developing the g-factor. He explains how grit, resilience, and work ethic can take any person far in life. Joe also highlights the importance of making the most out of your time, describes how people can develop their threshold for discomfort, and underscores the value of new ideas and experiences. "The g-factor is the greatest determinant of long-range success—more important than your IQ, education, social skills, or social status." - Joe Templin This week on The Model FA Podcast: The g-factor and its difference from IQ Fluid intelligence Verbal acuity The importance of sleep Synthetic thought and our capability to draw correlations Making the most of your time and the value of reading or listening to a book Helping clients beyond expectations Intimacy's role in the trust factor Building grit and resilience in your life Our Favorite Quotes: "To truly add value to the people you serve—to really elevate the client experience—you need to focus on helping them with things outside what you're compensated to do." - David DeCelle "Having a broad spectrum of knowledge allows you to truly impact someone's life." - David DeCelle "People who don't expose themselves to new concepts and ideas limit their g-factor and their growth because they don't feed their mind with new experiences they can apply in different areas." - Joe Templin Related Episode: Becoming a Better Human Every Day with Joe Templin Part I Connect with Joe Templin: The Intro Machine Everyday Excellence Financial Services Daily Drip Book: Every Day Excellence: A Daily Guide to Growing The Intro Machine on LinkedIn The Intro Machine on Facebook The Intro Machine on Twitter Joe Templin on LinkedIn About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no "gotchas" or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered. Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.

John Crane is an author, financial advisor, retirement income planner, and registered representative and financial advisor at Park Avenues Securities LLC. Before serving in the financial services industry, John held several posts at Sprint, including a Senior Government Account Executive role. In his book, The One-Number Budget, he helps readers with staying on track with a budget, simplifies the budgeting process, and explains lifetime cash flow. John holds a Master of Business Administration degree from George Mason University and received his Chartered Financial Consultant, Chartered Life Underwriter, and Retirement Income Certified Professional designations from The American College. John joins me today to discuss The One-Number Budget and how financial advisors can help clients shift their perspectives on budgeting for retirement. He describes his background and his path to the financial services industry. He details the disadvantages of traditional budgeting. John also highlights the lifetime perspective on cash flow to keep in mind when budgeting and underscores the power of serving others as your authentic self. "Traditional budgeting is a snapshot in time that only addresses the month, but there's a lifetime perspective on cash flow you need to take into account." - John Crane This week on The Model FA Podcast: The beginning stages of Crane Financial What made John look at budgeting from a different perspective How traditional budgeting elicits the feeling of scarcity from clients Executing the One-Number Budget in reality Why financial advisors are like psychologists How John guides clients who are unsure about the One-Number Budget The disadvantages of traditional budgeting The 30-year earning time Helping clients who have not or can't save 20% of their income Working with the One-Number Budget worksheet Serving as your authentic self Resources Mentioned: Book: Relentless: From Good to Great to Unstoppable by Tim S. Grover Book: Winning: The Unforgiving Race to Greatness by Tim S. Grover One-Number Budget Worksheet Our Favorite Quotes: "I'm turning 33 shortly, and it's like I'm so young and I've got plenty of time; but no, I'm 3 years into my 'true' earning years and I need to ensure I'm planning for the last 30 years of my life." - David DeCelle "Advisors look for tips, tricks, and tactics, but often the biggest breakthroughs come when there's a shift in mindset as opposed to using a new tool." - David DeCelle "Once I got that permission slip to be myself and focus on helping people the way I think it should be done, my business started growing quickly. I started having more fun and became more effective." - John Crane Connect with John Crane: Crane Financial Book: The One-Number Budget: Why Traditional Budgets Fail and What to Do About It Crane Financial on LinkedIn John Crane on LinkedIn Email: John.Crane@CraneFinancial.com About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no "gotchas" or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered. Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm. -------- This podcast is intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. ModelFA Podcast is not affiliated with or endorsed by PAS, Guardian, or Crane Financial and opinions stated are their own. John W. Crane, Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 11350 McCormick Road, Executive Plaza III, Suite 202, Hunt Valley, MD, 21031, 667-318-0801. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Crane Financial LLC is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0G79065. Compliance # 2023- 155099, Exp 06/2024

Phil Bender discusses the concept of concierge financial planning, emphasizing the importance of deeper client relationships. He explores the parallels with concierge healthcare and the benefits of providing exceptional service. The conversation touches on facing psychological barriers, expanding perspectives on wealth, and separating oneself from the competition. The podcast also explores the significance of Sea Captain Coaching and the keys to achieving peak performance.