Don't Retire...Graduate!

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? 5 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!

Skyler Fleming, a financial coach and host of the "Money Talk with Skyler Fleming" podcast, dives into the importance of candid money conversations. He emphasizes how honest discussions about finances can lead to better habits and increased confidence. Skyler shares his seven money talking points, which cover essentials like emergency funds and cash flow. They also debate key issues, such as the benefits of paying off debt early versus leveraging it, and the role of technology in simplifying financial management. A must-listen for anyone looking to take control of their finances!

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 Shari Fleming is a Maryland licensed attorney with a sincere desire to help individuals and families preserve and pass generational wealth while also supporting the causes they love. She is Principal of the Law Office of Shari Fleming, which is a law firm geared towards helping individuals and businesses build, protect, and preserve their wealth and legacy. The firm’s areas of legal practice include business formation and succession planning, real estate, estate planning, and estate administration (trusts and probate). Website: www.sharifleming.com

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! Get to know Lena here! [embed]https://youtu.be/5eWEsTRm65Q?si=FzMyw5BBqBKj500x[/embed]

Join Tara Donohue Rudo, founder of No More Piles, as she shares her 23 years of expertise in downsizing and decluttering. Tara tackles the emotional hurdles families face when letting go of decades of belongings, including inherited items. She offers practical tips for making family conversations easier and encourages early action on downsizing to alleviate stress. Listen in for surprising discoveries her team has unearthed and methods for organizing documents and treasured memories. It's all about managing life's transitions with grace!

A fresh perspective on retirement unveils it as a lifelong journey of growth and purpose. The importance of legacy and mentorship takes center stage, with a focus on an innovative, collaborative approach in financial services. The conversation stresses the vital role of financial literacy for all ages, promoting tools and resources to enhance understanding. Key tips on choosing a trustworthy financial advisor highlight transparency and authenticity, shaping a more informed client-advisor relationship. Exciting possibilities for future endeavors hint at continued evolution.

Chelsea Williams, known as the Money Whisperer and host of Always and Never About the Money, empowers individuals, especially women, to navigate financial challenges. She discusses how money is often intertwined with emotional and psychological aspects, urging a shift towards viewing it as a tool for empowerment. Chelsea shares her personal journey from a young single mom to a financial educator, emphasizing the importance of strong financial literacy. The conversation also covers practical strategies like the 'Profit First' method and the significance of setting clear financial goals.

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]