Don't Retire...Graduate!

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]

Welcome back to Don’t Retire… Graduate! In today’s episode, we’re diving into a critical and sometimes overlooked topic: divorce and its profound impact on your financial and personal future. I’m joined in the studio by Leon W. Berg, a highly awarded divorce attorney with 50 years of experience practicing law, primarily in Baltimore County. Leon is known for his thoughtful approach to family law, his ability to mediate highly emotional situations, and his unwavering dedication to setting realistic expectations for his clients. With countless accolades, including the Martindale Hubbell AV Preeminent rating and the Baltimore County Bar Association’s prestigious J. Earl Plumhoff Professional Lawyer of the Year award, Leon brought unparalleled experience and wisdom to our conversation.Together, Leon and I explored why family law—while often associated with conflict—is fundamentally about problem-solving, listening, and helping clients navigate some of the most stressful moments of their lives. We discussed the financial disruption that divorce can cause, including the challenges of dividing assets, uncovering hidden finances, and ensuring that both spouses exit settlements as fairly as possible. Leon shared fascinating insights on the negotiation process, the role of attorneys and judges, and the necessity of transparency and discovery. We also took a close look at prenuptial agreements—their original intent, when they’re truly needed, and why people often misunderstand or misuse them. Leon even shared a memorable anecdote about counseling a client on the dangers of a poorly crafted prenup, highlighting the ethical and emotional complexities involved.Throughout our conversation, we emphasized the need for collaboration among attorneys, financial advisors, and tax professionals when divorce or remarriage is on the table. Finally, Leon discussed how he transitioned his own practice into mediation and best-interest advocacy for children, demonstrating how one can “graduate” into a new, purpose-driven phase of retirement.5 Key Takeaways:Divorce Is a Major Financial Iceberg: Divorce can upend your financial life more suddenly and drastically than almost any other event. It’s critical to approach it with both emotional and financial preparedness—and with strong professional guidance.Transparency Is Essential in Negotiations: Successful outcomes in divorce require both parties to be forthcoming about assets and income. Leon stressed the importance of discovery, due diligence, and recognizing warning signs (like lifestyle-to-income mismatches) that signal hidden finances.Prenups: Prevention and Pitfalls: Prenuptial (or ante-nuptial) agreements have a place, especially in cases involving family businesses or significant pre-marital assets. However, Leon warned that many people misunderstand their necessity and their limits, and that creating unrealistic or overly punitive agreements can backfire emotionally and legally.Division of Assets Is More Nuanced Than It Seems: Not all dollars are created equal—retirement accounts, brokerage accounts, and home equity each come with their own tax implications and liquidity considerations. Splitting assets requires careful planning to ensure fairness and minimize tax pitfalls.Graduating Into Retirement Can Mean Redefining Your Role: Leon’s story of shifting from traditional litigation to mediation and best-interest advocacy beautifully illustrates how professionals can—and should—find new purpose as they “graduate” from full-time careers into retirement.Join us as we unpack these complexities with the help of an expert who’s seen it all. If you enjoyed this episode, please subscribe, leave a rating, and share Don’t Retire… Graduate! with friends and family—because navigating life’s biggest transitions truly requires the best possible partners on your journey to financial freedom and a meaningful future.

Welcome back to Don’t Retire… Graduate! I’m your host, Eric Brotman, and today’s episode features a unique perspective in our “Diary of a Financial Advisor” series. While we typically interview seasoned professionals in the financial planning space, this episode spotlights someone who is building a career in the world of finance from a different angle: Hannah Dennis. Hannah isn’t a financial advisor herself, but as someone who supports advisors and our clients at BFG, she’s become a linchpin of our team, helping bridge the worlds of client care and marketing. Hannah joined BFG in June of 2023 as a client relations associate and quickly became indispensable, stepping into a leadership role in our marketing efforts and even helping our podcast shine. With a background as an elementary school teacher, Hannah brings exceptional interpersonal skills and a fresh educational approach to our industry, proving you don’t have to start as an advisor to play a crucial role in the financial planning process. In this episode, Hannah and I dive into her transition from the classroom to a dynamic environment serving both clients and financial professionals. She shares how her teaching background enhances her ability to communicate, organize, and connect with people of all ages—including the “big kids” she now supports at BFG. We explore her journey learning personal finance “from the ground up,” the empowering experience of attending client events, and her behind-the-scenes work building strong relationships and a thriving podcast presence. As a newlywed and self-described “accidental” financial client, Hannah also opens up about how her growing financial literacy—and early access to financial planning—has shaped her family’s approach to combining finances and setting shared goals. Whether you’re a young professional or a seasoned advisor, Hannah’s story offers a relatable, real-world testament to the impact of financial education, mentorship, and a willingness to try something new. 5 Key Takeaways: Transferable Skills Matter: Hannah’s background as a teacher gave her a strong foundation in communication, organization, and relationship-building—skills that translated seamlessly to her success in client relations and marketing within financial services. You Don’t Know What You Don’t Know: Hannah’s journey into financial literacy underscores the importance of seeking education and expertise, especially early in adult life. Working with a financial advisor opened her eyes to strategies and opportunities she didn’t know existed. Financial Advice Is for Everyone: One of Hannah’s biggest realizations was that financial planning isn’t only for the wealthy or the older generation. She became a financial planning client herself as a young professional and newlywed, and encourages others to start early. Building Confidence Through New Experiences: Immersing herself in new roles—from running marketing meetings to mastering client events—helped Hannah build confidence, deepen relationships, and discover her own path to making an impact in our industry. The Human Side of Finance: By working closely with clients and advisors, Hannah experiences firsthand the personal and emotional impact financial planning can have on families, reminding us that this field is as much about relationships and trust as it is about numbers. Join us as we continue to inspire and educate on your journey toward financial freedom and purpose. Today’s episode is a reminder that you don’t need to be a financial advisor to make a meaningful difference. Don’t forget to subscribe, rate, and share this episode—so we can be a part of your journey to financial independence! [embed]https://youtu.be/xOGn3lKUOv4[/embed]

Welcome back to Don’t Retire… Graduate! Today’s episode is one that speaks directly to the heart of reinvention and the pursuit of passion long after the first chapter of your career has closed. I’m thrilled to welcome Dr. Vasu Tolia as my guest—a remarkable individual whose journey from a tenured professor of pediatrics at Wayne State University to a celebrated visual artist in Michigan encapsulates the very essence of what it means to “graduate” into your next act with purpose and joy. Vasu’s story is extraordinary. After reaching the apex of her medical career as a physician, educator, and researcher, she faced pivotal crossroads that led her to reevaluate what truly brought fulfillment and happiness into her life. Rather than simply settling or succumbing to burnout, she took the courageous step of exploring entirely new creative avenues. From private practice to art lessons at a local center, what began as tentative experimentation evolved into a full-fledged artistic pursuit that now includes exhibitions, national accolades, and a focus on art’s potential to heal—both herself and others. In this episode, Vasu and I discuss what it really takes to make a major life and career pivot—especially after achieving success in a field that most would find hard to walk away from. We delve into the role of family support, rediscovering latent passions, and how her medical background continues to inform and inspire her works of art. Vasu shares how art became a therapeutic outlet during trying times, including the onset of the COVID pandemic, and how her pieces have even been recognized by national publications and the CDC. We touch upon the evolving fields of art therapy and neuroarts, and how creativity—in all its forms—can serve as an indispensable tool for emotional well-being and personal reinvention at any stage of life. 5 Key Takeaways: Reinvention is Possible at Any Age or Career Stage: Vasu’s journey from medicine to art illustrates that it is never too late to follow your creative instincts, pursue new passions, or find fulfillment in unexpected places. The Importance of Family and Community Support: Family played a crucial role in supporting Vasu’s pivot, reminding her that success is not always measured financially but through personal fulfillment and impact. Art as Therapy and Healing: Creating and viewing art can serve as powerful emotional outlets—helping to process change, relieve stress, and provide solace during challenging times, as evidenced by Vasu’s work during the COVID-19 pandemic. Your Identity is More Than a Job Title: We discussed the tendency to conflate who we are with what we do, and how embracing all facets of ourselves—including new talents and interests—can lead to a more authentic and rewarding sense of self. Bringing Purpose to the Next Chapter: Rather than simply retiring, Vasu is committed to spreading a message of healing and empowering others through art and creativity, seeing this as her next legacy. Join us as we explore how embracing change, creativity, and self-discovery can lead to a vibrant, impactful life—no matter when you start. Don’t forget to subscribe, rate, and share this episode with anyone who might need a little encouragement to chase a new dream or reinvent themselves with purpose and passion! [embed]https://youtu.be/SJ-F2he3Ve0[/embed] About Dr. Vasu Tolia Vasundhara (Vasu) Tolia exemplifies the art of thriving through reinvention. A former tenured Professor of Pediatrics at Wayne State University, Vasu successfully transitioned to a full-time artistic career, becoming a celebrated Michigan-based visual artist known for her vibrant acrylic and mixed media works. Embracing a significant mid-life career change, Vasu channeled her scientific background into a new passion, creating art that bridges emotion and intellect. Her journey from medicine to art demonstrates the power of following one's creative instincts and the potential for success in new endeavors at any stage of life. Since her career transition, Vasu has: Participated in over 100 juried group shows from 2015-2024 Held multiple solo exhibitions, including at the prestigious Scarab Club in Detroit Won numerous awards, including the Future of Art Global Masterpiece Award (2024) and Silver and Bronze recognitions from Art Ascent Magazine Had her work featured in public collections and on the cover of scientific journals Vasu's unique background allows her to create art that promotes healing and supports charitable causes. Through her website, www.vasutolia.art, she connects with various charities, using her art as a medium to raise awareness and funds for important social issues.