April 29, 2026

#108 – Maximizing Client & Advisor Outcomes Through Cash Flow Management with David Mozeika

39 minutes

The national average savings rate in the U.S. is a dismal 4%.

If you could help your clients raise that rate as high as 20%, what would that mean to your clients and to your business?

Our featured guest, David Mozeika, is a top-performing financial advisor with over two decades of experience and Forbes recognition, who has revolutionized the way advisors and clients think about money movement.

Rather than relying on traditional budgeting or chasing higher rates of return, David Mozeika advocates for a proactive approach he calls “Income Under Management.”

By rethinking the flow of funds and intercepting income before it hits spending accounts, he’s helped clients and advisors unlock higher rates of saving and investing, leading to long-term financial confidence. David Mozeika also co-founded Currence, a tool designed to support this innovative method and foster a more collaborative, transformative relationship between advisors and their clients.

This is a game-changing approach to holistic financial planning that creates a huge win for your clients and for you!

Here are 3 key takeaways:

Flip the Savings Script: David introduces the concept of “Income Under Management,” emphasizing that traditional budgeting is backward-looking and often ineffective. Instead, by redirecting income into a separate reservoir account before it hits the spending account, clients automatically become better savers; often without conscious effort.

Create Transformative Client Value: Structuring cash flow in this way not only delivers better client results but can also transform relationships. Clients frequently report a sense of confidence and clarity, with some even saying, “You have transformed my life.” This leads to stronger engagement and higher referability.

Business Impact: By helping clients increase their rate of saving and investing (from the national average of ~4% to 20%+), advisors can dramatically grow their own businesses. More client savings translates into more assets to manage. A true win-win!

Sponsor:

EPISODE SPONSOR: Nexruto

www.Nexruto.com

Connect with David Mozeika & Currence

WebsitesCurrence: www.LiveCurrence.comIncome Under Management Summit (Save $600)

https://livecurrence.com/ium-2026/promo-redemption/cates/

LinkedIn: https://www.linkedin.com/in/davidmozeika/

Resources:

RapidFire Referrals

Get a copy of “The Language of Referrals”

Get a copy of “Radical Relevance”

Grab your copy of The Hidden Heist today!

Connect With Bill Cates:

[email protected]

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Enroll in The Cates Academy

About David Mozeika

David Mozeika has dedicated over 20 years to the financial services industry, consistently ranking in the top 1% of his peers. Recognized as a top advisor by Forbes, David has a proven track record of helping clients manage their cash flow to achieve their financial goals. His innovative approach led to the creation of Currence, a platform designed to change the direction of cash flow and introduce a “speed bump” between income and spending.

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By Bill Cates

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