Most advisors go into a transition focused on the upfront money.

Very few are prepared for everything that happens after they walk out the door.

Some surprises are good ones.

Clients move faster than expected. Assets go up, not down. The income jump is real.

But there are also things advisors consistently underestimate, overlook, and wish they had negotiated differently.

In this episode of Advisor Talk, Frank LaRosa and Stacey Frank do a post transition breakdown of the things advisors wish they had known going in, including what they underestimate about client loyalty, what they leave on the table in negotiations, and the operational realities that no one warns them about until it is too late.

Frank also breaks down the shrink to grow concept, why payout structure matters more than the upfront check long term, and why the first 30 days of a transition can make or break the entire move.

Frank and Stacey also discuss what separates advisors who have a smooth transition from those who struggle, and why the more preparation you put in before the move, the less stress you will face after it.

Questions answered in this episode include:

How many clients do financial advisors actually retain when they switch firms?

What do advisors consistently underestimate when making a move?

Should a financial advisor negotiate payout or upfront money?

What is the shrink to grow concept in financial advisor transitions?

What operational issues do advisors face in the first 30 days after a transition?

How should a financial advisor prepare their support staff before making a move?

What should advisors ask firms to include in their transition support package?

Chapters:

00:00 – What Advisors Wish They Knew Before Leaving

01:07 – Welcome to Advisor Talk

02:26 – The Biggest Surprise: Client Loyalty Is Stronger Than You Think

09:01 – The Income Jump Is Real: What the Math Actually Looks Like

12:50 – What Advisors Wish They Negotiated Differently

15:41 – Shrink to Grow: Why Not Every Client Should Come With You

18:13 – Operational Realities Nobody Warns You About

23:54 – How to Reach Frank and Stacey

Learn more about Elite and our resources:

Elite Consulting Partners | Financial Advisor Transitions

https://eliteconsultingpartners.com

Elite Marketing Concepts | Marketing Services for Financial Advisors

https://elitemarketingconcepts.com

Elite Advisor Successions | Advisor Mergers and Acquisitions

https://eliteadvisorsuccessions.com

JEDI Database Solutions | Technology Solutions for Advisors

https://jedidatabasesolutions.com

Elite Wealth Management Insights Report

https://eliteconsultingpartners.com/insight-report

Listen to more Advisor Talk episodes

https://eliteconsultingpartners.com/podcasts/

Five of Elite's top producers sat down together in Cancun to talk about what actually makes this job matter.

Frank goes around the table asking each consultant what they enjoy most about the work. Tricia talks about relationships and education, Julie compares every advisor conversation to solving a puzzle, Stacey points to the reward of bringing advisors accurate information in an industry full of misconceptions, Bruce talks about the value of being authentic and getting to know clients on a personal level and Dom shares how twenty-five years as a wholesaler let him rekindle old relationships in a brand new context.

Tricia opens up about how eye opening the tax side of W2 versus 1099 was once she crossed over to this side of the business and why she likes to show advisors both paths so they can learn something new about their own business along the way.

Bruce lays out a universal truth, that most financial advisors only understand the world inside their own firm and explains why a twenty thousand foot view changes everything. Dom breaks down why even advisors with decades of relationships still benefit from a genuinely objective third party.

Stacey shares her go-to answer for advisors who ask why they should work with her over someone they already know and introduces one of the firm's guiding beliefs, that the right answer always surfaces. Frank closes with his Tom Brady analogy for why even elite performers rely on an agent instead of going it alone.

The panel wraps by weighing in on whether the industry is shifting back toward W2 structures, especially for advisors nearing retirement who are being offered deals north of four hundred percent.

Questions answered in this episode include:

What do Elite's consultants enjoy most about helping financial advisors?

What does it mean to be authentic with a client instead of just closing a deal?

Why do advisors who already have industry relationships still need a consultant?

What is the universal truth most financial advisors don't realize about their own knowledge?

Why does the right answer always surface during the due diligence process?

Is the financial advisor industry shifting back toward W2 firms?

Should advisors ignore the money when it comes to major transition deals?

Chapters:

00:00 Introduction: Inside the Chairman's Trip

02:17 What Every Consultant Loves About This Work

04:27 What Sets a Real Consultant Apart

04:51 Rekindling Relationships as a Former Wholesaler

12:21 The Universal Truth About Financial Advisors

15:40 Why the Right Answer Always Surfaces

23:06 Is the Shift Back to W2 Real

30:34 How to Reach the Elite Team

Meet the panel:

- Frank LaRosa, Chief Executive Officer: [email protected] | 856-316-4651

- Stacey Frank, Chief Revenue Officer and Executive VP of Sales: [email protected] | 856-816-6322

- Bruce Fox, Private Client Consultant: [email protected]

- Domenic Diele, Senior Business Consultant: [email protected]

- Tricia Fischer, Private Client Consultant: 703-395-1147

- Julie Mizerany, Private Client Consultant: [email protected]

Resources:

- Elite Consulting Partners: https://eliteconsultingpartners.com

- Elite Marketing Concepts: https://elitemarketingconcepts.com

- Elite Advisor Successions: https://eliteadvisorsuccessions.com

- JEDI Database Solutions: https://jedidatabasesolutions.com

- Elite Wealth Management Insights Report: https://eliteconsultingpartners.com/insight-report

- Listen to more: https://eliteconsultingpartners.com/podcasts/

- LinkedIn: https://www.linkedin.com/company/elite-consulting-partners/

Frank LaRosa is literally getting a text about this exact scenario while recording this episode.

Frank opens with a real client story, an advisor in his mid to late sixties who has spent a year and a half weighing a full sale against a transition. The multiples sound incredible on paper, ten, twelve, even fourteen times EBITDA but once junior partners, payout structures and sell and stay scenarios come into play, the math gets a lot more complicated than the headline number suggests.

Stacey brings in the psychology most advisors never plan for. She explains why so many get stuck at the altar right before retirement, not because the numbers do not work but because their identity and purpose are tied up in the business and they are not ready to let that go.

That is where Frank's trademarked concept, dual monetization, comes in. Instead of selling outright, an advisor can transition to a new firm today to unlock a major payout, then set up a succession plan or sale into that same firm years later. Stacey adds important context here, pointing out that transition deals sitting at twenty to sixty percent of trailing twelve just a few years ago are now regularly exceeding one hundred percent.

Frank also explains how this same strategy applies to advisors who want to pass their practice down to a son, daughter, or longtime junior partner without forcing them to come up with cash out of pocket and shares a blunt piece of advice about not letting attachment to a specific custodian cost you millions of dollars.

The episode closes with a story that sticks with you, a friend of Frank's who left ten million dollars on the table because his junior partners were not willing to do the work required to make one last move. Stacey wraps things up with the reminder that the hardest part of any transition is rarely the mechanics, it is figuring out who will actually take over your clients the way you have for your entire career.

Questions answered in this episode include:

What is a one last move for a financial advisor nearing retirement?

What is dual monetization and how does it apply to a transition instead of a sale?

Why do many financial advisors struggle to actually retire?

How much have financial advisor transition deals grown in the last few years?

Can a financial advisor pass their practice to a child or junior partner without a traditional loan?

Should switching custodians affect a financial advisor's decision to move firms?

What is the biggest hurdle for financial advisors thinking about succession?

Chapters:

00:00 Introduction: The One Last Move

01:33 What Is the One Last Move

03:39 Redefining Retirement and Purpose

05:37 Introducing Dual Monetization

11:33 Passing the Business to the Next Generation

19:16 Think Before You Sign

20:19 The Ten Million Dollar Lesson

25:20 How to Reach Frank and Stacey

Learn more about Elite and our resources:

- Elite Consulting Partners: https://eliteconsultingpartners.com

- Elite Marketing Concepts: https://elitemarketingconcepts.com

- Elite Advisor Successions: https://eliteadvisorsuccessions.com

- JEDI Database Solutions: https://jedidatabasesolutions.com

- Elite Wealth Management Insights Report: https://eliteconsultingpartners.com/insight-report

- Listen to more: https://eliteconsultingpartners.com/podcasts/

- LinkedIn: https://www.linkedin.com/company/elite-consulting-partners/

Frank LaRosa says most financial advisors never notice exception debt building until it's already too late.

Frank opens with a real client story, an advisor on a team who set clear non-negotiables for the business he wanted, then slowly compromised on them one at a time until he wasn't building anything close to his original vision. That same advisor is now telling Frank he isn't sure he wants his team to come with him when he moves firms. Frank explains why that kind of self-awareness is actually a good sign and why the right answer isn't always joining a bigger team, sometimes it's building a vertical structure with one clear vision at the top.

Stacey challenges the idea that every advisor needs partners, breaking down why key person risk still has to be solved for even as a solo practitioner and introducing the idea that what got you here won't necessarily get you where you are trying to go next.

The conversation gets personal when Frank and Stacey each share stories about helping advisors finally separate from partnerships that weren't working. Frank recalls playing referee between two wirehouse advisors who wanted completely different things, and Stacey shares how she guided a younger advisor through finally having a hard conversation with a senior partner after six months of hesitation.

Frank wraps up with a mentoring story about a young advisor named Dylan, someone he originally told to join a team, then later told to build his own practice instead once he saw his work ethic and winning attitude. The episode closes with a warning worth remembering, firms often push advisors toward teams because it helps their own retention numbers, not necessarily because it is what is best for the advisor.

Questions answered in this episode include:

What is exception debt and how does it quietly derail a financial advisor's vision?

Should a financial advisor build a team or stay a solo practitioner?

What is the difference between a vertical team and a horizontal team?

Why do firms push advisors to join teams?

What does it mean when people say what got you here won't get you there?

How do you know when it's time to part ways with your team?

Should a young financial advisor join a team or build their own book of business?

Chapters:

00:00 Introduction: Exception Debt

01:47 Should You Stay Solo or Join a Team

03:23 What Is Exception Debt

07:54 What Got You Here Won't Get You There

08:56 Sometimes the Team Needs to Break Up

14:48 Bet on Yourself Before You Join a Team

15:50 Why Not Every Practice Needs to Be a Team

19:12 How to Reach Frank and Stacey

Learn more about Elite and our resources:

- Elite Consulting Partners: https://eliteconsultingpartners.com

- Elite Marketing Concepts: https://elitemarketingconcepts.com

- Elite Advisor Successions: https://eliteadvisorsuccessions.com

- JEDI Database Solutions: https://jedidatabasesolutions.com

- Elite Wealth Management Insights Report: https://eliteconsultingpartners.com/insight-report

- Listen to more: https://eliteconsultingpartners.com/podcasts/

- LinkedIn: https://www.linkedin.com/company/elite-consulting-partners/

Frank LaRosa says most financial advisors never take the time to find their industry defining goal.

Frank opens by explaining what he calls a workation, time away from the office where real strategic thinking can actually happen. Stacey shares how she caught him working by the pool at five thirty in the morning on their most recent trip and Frank explains how that kind of deliberate space led him to write an entire internal operating playbook after reading eight books in eleven days.

That same thinking space is where Frank landed on his industry defining goal, or IDG, a concept similar to the big hairy audacious goal from books like Scaling Up and Traction. Frank explains why a goal like this needs to feel nearly impossible and shares that his own goal is to help one out of every ten financial advisors who move firms.

Frank gets personal about applying that framework to his own life, questioning whether the time and money he spends racing is helping or slowing down his progress. Stacey shifts the conversation into practice management, walking through how advisors should audit their client list by tier and why investing more time in fewer high value clients almost always outperforms spreading yourself across everyone.

The episode closes with a direct challenge. Stacey lays out why so much of an advisor's success comes down to what they can actually control and Frank adds that once you know better, you cannot place the blame elsewhere. Together they push financial advisors to stop chasing the next move and start figuring out the right move for their business and their life.

Questions answered in this episode include:

What is an industry defining goal and how do financial advisors find theirs?

Why do financial advisors need a place to think outside their normal routine?

How do you know if a personal passion is distracting you from your business goals?

Should financial advisors segment their clients by tier?

How do you know which clients are actually helping you reach your goals?

Why is it important to filter out negative people in your life?

What does it mean to make the right move instead of just the next move?

Chapters:

00:00 Introduction: Your Industry Defining Goal

02:13 Finding a Place to Think Strategically

03:34 Building an Internal Operating Playbook

09:02 What Is an Industry Defining Goal

12:48 Is Your Passion a Distraction From Your Goal

25:01 Auditing Your Clients and the People Around You

31:01 Taking Ownership and Making the Right Move

39:13 How to Reach Frank and Stacey

Learn more about Elite and our resources:

- Elite Consulting Partners: https://eliteconsultingpartners.com

- Elite Marketing Concepts: https://elitemarketingconcepts.com

- Elite Advisor Successions: https://eliteadvisorsuccessions.com

- JEDI Database Solutions: https://jedidatabasesolutions.com

- Elite Wealth Management Insights Report: https://eliteconsultingpartners.com/insight-report

- Listen to more: https://eliteconsultingpartners.com/podcasts/

- LinkedIn: https://www.linkedin.com/company/elite-consulting-partners/

Frank LaRosa says the problem with young financial advisors is not work ethic, it is training.

Frank opens with a story about a young advisor he has been mentoring, a twenty-three-year-old working on the asset management side at a wirehouse who was outperforming his targets but getting dinged for small administrative mistakes. Frank explains the advice he gave him and why building your own book of business might be the harder but more rewarding path compared to joining an established team.

Stacey widens the conversation into something bigger, the age gap opening up in the industry between advisors in their late fifties and sixties and the wave of twenty-three to thirty-year-olds coming in behind them, with almost nobody in the middle. Frank frames it as a barbell problem, pointing out the gap in the middle where mid-career advisors should be and explains why it is creating real opportunity for young advisors, even if most of them do not fully realize it yet.

Frank does not soften his opinion on where the real failure sits. He argues that big firms preach hard work while their own people clock out at five and that most of the industry has quietly abandoned the old school training programs that actually produced successful advisors. He breaks down what real training used to look like, why cold calling still works and why rushing new advisors toward designations like the CFP before they understand the business is a mistake he has watched play out for years.

The episode wraps with a direct challenge to firm owners and independent practitioners. If you are bringing young people into this business, you owe them a real system and enough time to succeed, not just a desk and a quota.

Questions answered in this episode include:

Should a young financial advisor join a team or build their own book of business?

What is the age gap problem happening in the financial advisor industry right now?

What is the barbell approach and why does it matter for advisor recruiting?

Why do old school training programs work better than what most firms offer today?

What mistakes do firms make when training young financial advisors?

How many cold calls should a trainee financial advisor be making every day?

Why is it a mistake to push new advisors toward designations like the CFP too early?

Chapters:

00:58 Introduction: Nobody Is Training Young Advisors Anymore

01:59 The Mentoring Story That Changed Everything

03:19 Wirehouse vs Building It Yourself

08:34 You Don't Know What Hard Work Really Is

17:05 Why Firms Need to Bring Back Old School Training

21:42 Getting Younger Blood Back Into the Business

24:05 The Barbell Problem in Financial Advisor Recruiting

29:10 How to Reach Frank and Stacey

Learn more about Elite and our resources:

- Elite Consulting Partners: https://eliteconsultingpartners.com

- Elite Marketing Concepts: https://elitemarketingconcepts.com

- Elite Advisor Successions: https://eliteadvisorsuccessions.com

- JEDI Database Solutions: https://jedidatabasesolutions.com

- Elite Wealth Management Insights Report: https://eliteconsultingpartners.com/insight-report

- Listen to more: https://eliteconsultingpartners.com/podcasts/

- LinkedIn: https://www.linkedin.com/company/elite-consulting-partners/

Frank LaRosa has been in this business for thirty-two years and he says he has never seen deals like this.

Frank opens by explaining why he cannot see how financial advisor transition deals get any more lucrative than they are right now. Stacey backs that up with the numbers, pointing out that deals sitting at 100 percent of trailing twelve or 100 basis points today were only 40 or 50 just four or five years ago. That is not an opinion, it is math.

From there, the conversation turns personal. Frank talks candidly about being in his mid-fifties and watching people his age face serious health scares or pass away without warning. That perspective drives his argument for why advisors with real practices should think seriously about taking chips off the table now, without selling their business, especially since transitions have become dramatically faster than they used to be.

Frank also raises a fear a lot of advisors quietly carry, the worry that a new firm could eventually get acquired by the same company they left. Stacey breaks down why advisors still come out ahead in that scenario, since negotiating a move almost always comes with a lower cost of affiliation and a higher payout, meaning the money is already in the bank regardless of what happens years down the road.

The episode wraps with a challenge Stacey poses directly, does your family or your spouse actually know about the decision you are making to stay put. Frank follows it up with a story from his branch manager days about closing deals over dinner with a recruit's spouse and why staying exactly where you are is still a decision that deserves a real conversation at home, not silence.

Questions answered in this episode include:

Why are financial advisor transition deals at an all-time high right now?

What does it mean to take chips off the table without selling your practice?

Why is choosing to stay at your current firm still considered a decision?

Should advisors worry about their new firm getting acquired down the road?

How fast can financial advisors realistically transition their book of business?

Why do family conversations matter when deciding whether to move firms?

Is complacency costing financial advisors real money right now?

Chapters:

00:52 Introduction: This Market Won't Last Forever

02:54 Why Advisor Deals Are at an All-Time High

04:27 Mortality, Chips Off the Table and Taking Action Now

07:52 Choosing to Stay Is Still a Decision

10:58 The Risk-Reward Gap Advisors Are Ignoring

14:06 Your Head Is in the Sand

18:13 The Family Conversation Every Advisor Needs to Have

23:23 How to Reach Frank and Stacey

Learn more about Elite and our resources:

- Elite Consulting Partners: https://eliteconsultingpartners.com

- Elite Marketing Concepts: https://elitemarketingconcepts.com

- Elite Advisor Successions: https://eliteadvisorsuccessions.com

- JEDI Database Solutions: https://jedidatabasesolutions.com

- Elite Wealth Management Insights Report: https://eliteconsultingpartners.com/insight-report

- Listen to more: https://eliteconsultingpartners.com/podcasts/

- LinkedIn: https://www.linkedin.com/company/elite-consulting-partners/

A client once told Stacey Frank he was losing $20,000 a day by doing nothing. That number changed the whole conversation.

Frank and Stacey open by unpacking a real story from one of Stacey's clients, a junior partner at an independent firm stuck with outdated technology, a flat payout and a senior partner unwilling to change. When Stacey ran the math with him, the true cost of staying became impossible to ignore and complacency became the real competitor in the room.

From there, the conversation shifts into something more personal. Frank references a recent story about an advisor in his fifties, a founder of a respected RIA, who passed away suddenly. That story becomes the jumping-off point for a bigger conversation about financial advisor transitions, why payouts and transition deals are at an all-time high right now and why waiting to explore your options carries real risk.

Frank also breaks down dual monetization, a concept he has trademarked, where advisors sell their practice to a W2 firm, keep running the business, grow it further and then sell it again years later. He walks through real-world numbers, including a three-million-dollar producer who turned a transition deal into twelve million dollars upfront while still earning over a million dollars a year running the business.

The episode wraps with a challenge every advisor needs to hear. Staying exactly where you are is still a decision and it is one that deserves the same scrutiny advisors give their own clients every single year.

Questions answered in this episode include:

What is complacency actually costing financial advisors every day?

Why are transition deals and payouts at an all-time high right now?

What is dual monetization and how does it work?

Should advisors consider moving from a 1099 practice to a W2 firm?

How do advisors calculate the true cost of staying at their current firm?

What happens to a financial advisor's practice valuation if something happens to them unexpectedly?

Why is making no decision still considered a decision?

Chapters:

01:04 Introduction: Complacency Is Costing You More Than You Realize

02:11 The $20,000-a-Day Wake-Up Call

05:27 When an Advisor's Death Changes the Conversation

08:19 Why Transition Deals and Payouts Are at an All-Time High

09:57 The W2 Acquisition Trend Advisors Aren't Talking About

14:39 Introducing Dual Monetization

17:06 Why Staying Put Is Still a Decision

18:16 How to Reach Frank and Stacey

Learn more about Elite and our resources:

- Elite Consulting Partners: https://eliteconsultingpartners.com

- Elite Marketing Concepts: https://elitemarketingconcepts.com

- Elite Advisor Successions: https://eliteadvisorsuccessions.com

- JEDI Database Solutions: https://jedidatabasesolutions.com

- Elite Wealth Management Insights Report: https://eliteconsultingpartners.com/insight-report

- Listen to more: https://eliteconsultingpartners.com/podcasts/

- LinkedIn: https://www.linkedin.com/company/elite-consulting-partners/

Building an OSJ sounds like the obvious move if you want a bigger valuation. Frank LaRosa says that logic is exactly what's costing advisors their multiple.

Frank and Stacey open with a question most advisors never actually ask themselves before recruiting other advisors into their practice. What is your unique ability and is managing people part of it?

Frank shares a story from a coaching client who built out an OSJ, then found himself spending his day solving other people's problems instead of doing the work that made him successful in the first place. That shift from servicing clients to servicing advisors is one of the biggest hidden costs in this model.

From there, the conversation turns to ownership. Frank explains why collecting an override on another advisor's business will never get you the same financial advisor multiple as owning the revenue outright and why some of the most successful firms in the industry deliberately choose not to play that game.

The episode wraps with a challenge for any advisor thinking about their next move. Stop building toward what you think you're supposed to build and start building around what you're actually great at.

Questions answered in this episode include:

What is your unique ability as a financial advisor?

Should you build an OSJ or focus on growing your own practice?

What's the difference between owning revenue and owning an override?

Why do advisors get a lower multiple when they don't own the underlying business?

What's the difference between a vertical business and a horizontal business?

Why are financial advisors more demanding to service than clients?

How do you decide what your business should look like as it grows?

Chapters:

00:00 Introduction: To Build an OSJ or Not to Build

01:10 What Is Your Unique Ability as an Advisor

03:23 Why an OSJ Has to Earn Your Trust Every Day

06:43 The Multiple Advisors Are Leaving on the Table

07:31 Vertical Business vs Horizontal Business

12:55 Don't Get Trapped by the Enterprise Fad

14:13 Do What You Love or Make Money Being Miserable

17:23 How to Reach Elite Consulting Partners

Learn more about Elite and our resources:

- Elite Consulting Partners: https://eliteconsultingpartners.com

- Elite Marketing Concepts: https://elitemarketingconcepts.com

- Elite Advisor Successions: https://eliteadvisorsuccessions.com

- JEDI Database Solutions: https://jedidatabasesolutions.com

- Elite Wealth Management Insights Report: https://eliteconsultingpartners.com/insight-report

- Listen to more: https://eliteconsultingpartners.com/podcasts/

- LinkedIn: https://www.linkedin.com/company/elite-consulting-partners/

Some decisions get more expensive the longer you wait to make them.

Frank LaRosa and Stacey Frank open up about the cost of holding on to people too long, whether that is an employee, a junior partner or even a client who drains more energy than they are worth. Frank breaks down how his firm used data to identify which new hires were likely to succeed and which ones were not, a process that ended up saving the company over $400,000 in a single year.

They walk through the honeymoon phase every new hire goes through, why the first ninety days can be misleading and how watching what someone does matters more than listening to what they say. Frank shares a personal story about hiring someone for a leadership role, sensing early on that it was not the right fit and eventually having to call that person into his office and own the mistake himself.

The conversation moves into the ripple effect negativity has on a team, including a story about a three million dollar producing team that left the firm and the surprising relief that followed. Frank and Stacey also discuss the moment every advisor eventually faces, realizing someone who once helped the business grow can no longer help it get to the next level.

Questions answered in this episode include:

Why does hire slow fire fast actually save money instead of costing it?

How do you tell the difference between a rough first ninety days and a real red flag?

What is the qualitative side of managing people that most owners overlook?

How do you know when your gut instinct is telling you something real?

What should you say to someone when you admit you made a hiring mistake?

How do negative team members affect productivity even when they are still performing?

When does a good employee stop being the right fit for where your business is going?

Chapters:

00:00:58 Believe Them The First Time

00:02:49 No Good Deed Goes Unpunished

00:05:52 The $400,000 Hire Slow Fire Fast Lesson

00:07:45 Watch Their Feet Not Their Words

00:11:57 Your Gut Instinct Is Trying To Tell You Something

00:14:08 Owning The Mistake And Letting Someone Go

00:20:37 Booster Rockets And Knowing When People Move On

00:22:20 The Day The Negativity Left The Office

Learn more about Elite and our resources:

Elite Consulting Partners | Financial Advisor Transitions

https://eliteconsultingpartners.com

Elite Marketing Concepts | Marketing Services for Financial Advisors

https://elitemarketingconcepts.com

Elite Advisor Successions | Advisor Mergers and Acquisitions

https://eliteadvisorsuccessions.com

JEDI Database Solutions | Technology Solutions for Advisors

https://jedidatabasesolutions.com

Elite Wealth Management Insights Report

https://eliteconsultingpartners.com/insight-report

Listen to more Advisor Talk episodes

https://eliteconsultingpartners.com/podcasts/