All Things Financial

How can identifying the "wrong" questions to ask a financial advisor actually lead to a more secure financial future?

This episode breaks down common questions people ask financial advisors that often signal unrealistic expectations about markets, taxes, and retirement certainty. Trey and Yelisey explain why guarantees, predictions, and comparisons to others can undermine sound financial planning. Instead, they emphasize conservative projections, personalized strategies, and the importance of perspective in building lasting financial confidence.

What you’ll learn in this episode:

(00:43) Why asking a financial advisor to guarantee returns reflects a misunderstanding of risk and long-term planning.

(03:17) How minimizing taxes legally differs from unrealistic expectations of eliminating taxes entirely for people preparing for retirement.

(05:58) Why predicting short-term market performance is impossible.

(08:05) Why questions about hiding money create ethical, legal, and relational risks investors should avoid.

(11:11) How risk tolerance, lifestyle flexibility, and fixed expenses shape vastly different financial recommendations.

(14:09) Why retirement timelines cannot be guaranteed and how small changes in assumptions dramatically affect outcomes for investors.

(17:18) How conservative planning and honest course correction can help you stay on track when spending or assumptions drift.

(23:21) Why mindset, purpose, and planning for life after work are critical to a fulfilling retirement.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: [email protected]

Yelisey Kuts: [email protected]

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

What uncomfortable questions are you perhaps not asking your financial advisor, but which are also some of the most critical questions that you should be asking them?

This episode tackles the awkward financial questions most people avoid asking and explains why those conversations are essential for a secure retirement. Trey and Yelisey break down questions related to savings, spending, longevity, taxes, and emotional decision-making, and how they all influence whether retirement plans succeed or fail.

What you’ll learn in this episode:

(01:00) Why asking whether you are actually on track for retirement is one of the most important conversations to have.

(02:00) How understanding how long your money will last changes retirement confidence.

(05:00) Why retirement success is driven more by expenses than by hitting a specific savings number.

(09:00) What the 4% rule does—and does not—account for when planning long-term income.

(12:44) What value a financial advisor should provide when charging an ongoing fee.

(15:46) Why working with a retirement specialist matters more as retirement approaches.

(19:45) How understanding account types affects taxes, withdrawals, and long-term outcomes.

(28:24) Which spending habits quietly shorten retirement timelines and reduce flexibility.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: [email protected]

Yelisey Kuts: [email protected]

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

How might living by margin change your financial decision-making?

In this episode, Trey, Yelisey, and guest Keith Craft explore the connection between financial discipline, leadership, and legacy. The discussion will challenge you to replace budgeting with margin-based living and to think differently about money, wisdom, and long-term impact.

Keith Craft is a pastor, entrepreneur, and leadership coach. He leads one of the largest Christian masterminds in the U.S. and has invested decades coaching business owners, executives, and leaders to think with wisdom and build a lasting legacy.

Trey and Yelisey have participated in Keith’s masterminds and leadership groups for over four years and credit his coaching with shaping their leadership style, business growth, and family priorities.

Thank you to Keith Craft for coming on our show!

Learn more about Keith, his coaching, and his masterminds: https://keithcraft.com/

Check out Keith’s book, Leadershipology 365: Leadership Inspiration for Every Day: https://www.amazon.com/dp/B0DQL4GBZ8

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: [email protected]

Yelisey Kuts: [email protected]

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Have you given much thought to how your definition of success might change after age 60?

This episode will invite you to rethink what success really means after age 60 and why mindset matters as much as preparation. Trey and Yelisey discuss identity, purpose, structure, and perspective as key drivers of fulfillment in retirement. Rather than viewing retirement as an ending, the episode reframes it as an invitation to live with intention, connection, and meaning.

What you’ll learn in this episode:

(00:20) How redefining success after age 60 shifts the focus from work to purpose.

(05:16) How losing control over the timing of retirement can affect emotional well-being.

(06:41) Why building purpose outside of work before retirement leads to greater fulfillment later.

(07:21) How structure and rhythm replace a work schedule and improve happiness in retirement.

(09:08) Why service, volunteering, and giving back often provide more satisfaction than a paycheck.

(21:19) How loneliness impacts retirees.

(25:40) Why couples need shared and individual plans to thrive together in retirement.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: [email protected]

Yelisey Kuts: [email protected]

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

Which long-term care funding strategy best aligns with your assets, retirement goals, and risk tolerance?

In this episode, Trey and Yelisey explore how long-term care needs can dramatically impact retirement—financially, emotionally, and relationally. They explain why 70% of Americans will need some form of care and why failing to prepare can drain even strong retirement plans. They also walk through self-insuring, traditional insurance, and hybrid solutions to help you build a plan that protects both your finances and your family.

What you’ll learn in this episode: 

(03:01) How unpredictable health events and expenses can destabilize even well-structured retirement projections.

(05:28) What types of care exist beyond nursing homes. 

(08:07) How caregiving often falls on family members. 

(11:16) What activities of daily living (ADLs) are and why they determine whether a policy will pay benefits.

(14:54) The true annual costs of long-term care today. 

(23:13) The three funding paths for long-term care are self-insuring, traditional long-term care (LTC) insurance, and hybrid or annuity-based solutions.

(36:49) How to evaluate premiums, waiting periods, and payout structures when comparing long-term care solutions.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com 

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us: 

Trey C. Peterson: [email protected] 

Yelisey Kuts: [email protected] 

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

This episode was produced by Story On Media: https://www.storyon.co/

How can you structure your investments so your money lasts as long as you do or perhaps even longer?

In this episode, Trey and Yelisey outline practical strategies to help you build a retirement plan that withstands market swings, inflation, and longevity risk. They explain why balanced risk, Social Security timing, and the following three “buckets of money” can profoundly change retirement outcomes:

* Yellow Bucket: Your protected, no-risk money (cash, savings, Social Security, pensions).

* Green Bucket: Your low-risk income money (bonds, money markets, T-bills, annuities).

* Red Bucket: Your growth money (stocks, mutual funds, ETFs).

What you’ll learn in this episode:

(00:49) How to use the three “buckets of money” to balance safety, income, and growth in retirement.

(03:39) Why differing risk tolerances within a household can create inefficiencies.

(06:04) How past financial trauma can push investors into overly conservative strategies that limit long-term growth.

(11:19) Why bond underperformance over the past five years creates challenges for traditional 60/40 portfolios.

(14:27) Why consistency and time in the market outperform attempts to time market highs and lows.

(15:57) How retiring even one year earlier can reduce the lifespan of retirement savings by multiple years.

(22:07) What rising life expectancy means for long-term financial planning.

(32:47) How Social Security tax treatment can dramatically increase retirement income.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: [email protected]

Yelisey Kuts: [email protected]

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

How can you evaluate whether a college degree will pay off for your specific career goals?

This episode explores whether college is still a worthwhile investment in a world where tuition is rising and alternative paths are becoming more viable. Trey and Yelisey break down the financial, personal, and career factors that determine whether higher education truly pays off.

What you’ll learn in this episode:

(00:58) Why the value of a college degree depends on your major, your goals, and your long-term earning potential.

(03:38) How to decide whether you should pursue a four-year degree.

(04:25) What current college tuition averages look like.

(07:00) How trade schools and skilled labor paths can offer higher earnings with significantly lower debt than traditional college routes.

(09:44) Why your early twenties should be viewed as “learning years,” not “earning years.”

(12:59) The importance of mentors, relationships, and being in the right “rooms” when it comes to career development.

(18:46) How networking can be some of the biggest returns on your education investment.

(27:16) Practical financial tips for choosing a college and seeking scholarships.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: [email protected]

Yelisey Kuts: [email protected]

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

How can rising wedding costs impact your long-term financial stability and retirement prospects?

In this episode, Trey and Yelisey break down the booming wedding industry and reveal how its rising costs directly affect retirees. They explain the opportunity cost behind big gifts, why delayed marriage intersects with retirement planning, and how to provide support without sacrificing long-term financial security. From tax strategies to family dynamics, this episode will help you navigate major life-event expenses with clarity and confidence.

What you’ll learn in this episode:

(00:26) How delayed marriage trends are causing more retirees to fund weddings during their retirement years.

(02:24) Why gifting $10,000–$30,000 has a far larger long-term impact once opportunity cost and compounding are considered.

(03:34) How wedding venue choices and guest counts drastically influence total costs.

(07:50) Which financial accounts to draw from first when helping pay for a wedding.

(08:18) How the annual gift tax exclusion works.

(12:45) Why transfers of appreciated stock can sometimes be a smarter gifting strategy than giving cash.

(14:55) How timing withdrawals across multiple tax years may reduce the tax burden of a large wedding gift.

(15:33) Why giving during life differs financially from gifting through inheritance due to step-up in basis rules.

(21:55) When helping to fund a wedding, why it’s often best to give the money without any strings attached.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: [email protected]

Yelisey Kuts: [email protected]

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/

What can you learn from Dr. Mark Rutland about turning personal faith into professional resilience?

In this episode, Trey and Yelisey chat with Dr. Mark Rutland about what it takes to turn a crisis into a comeback. From rescuing failing organizations to building thriving ministries, Dr. Rutland shares timeless lessons about flexibility, stewardship, character, and faith. This conversation blends practical financial wisdom with spiritual insight, offering hope for anyone trying to rebuild. 

Dr. Mark Rutland is an author, educator, and leadership consultant who has revitalized organizations such as Southeastern University and Calvary Church. He is the founder and director of the National Institute of Christian Leadership (NICL) and Global Servants, a ministry that fights human trafficking

What you’ll learn in this episode: 

00:11 Why flexibility is a powerful trait of effective leaders.

01:36 How Dr. Rutland helped rescue Oral Roberts University from financial collapse.

03:46 The parallels between fixing a university’s finances and managing household debt.

07:08 The difference between good debt that produces value and bad debt that drains resources.

10:29 Practical principles for saving, giving, and living below your means.

16:24 How to manage pressure, risk, and the fear of failure in leadership and life.

25:54 The story of Global Servants and the fight against human trafficking in Thailand and Ghana.

Thanks to Dr. Mark Rutland for being on the show! 

Visit https://www.globalservants.org  to learn more about the House of Grace in Thailand and Ghana or to support their mission.

Check out Dr. Rutland’s new book, Keep On Keeping On: How to Die Young ... as Old as Possible: https://amzn.to/43SbFaS 

Learn more about leadership training opportunities through the National Institute of Christian Leadership (NICL): https://www.thenicl.com/ 

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com 

Subscribe to the podcast: 

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696 

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi 

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us: 

Trey C. Peterson: [email protected] 

Yelisey Kuts: [email protected] 

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015. 

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com 

This episode was produced by Story On Media: https://www.storyon.co/ 

What really happens behind the scenes when financial advisors try to help clients stay on track?

In this episode, Trey and Yelisey open up about the real challenges financial advisors face behind closed doors—from overspending clients to emotional investing and hidden purchases. Through honest stories, they reveal how transparency, planning, and partnership can make or break retirement success. This conversation offers a rare glimpse into the confessions, frustrations, and lessons learned from helping hundreds of families navigate their financial futures.

What you’ll learn in this episode:

(02:46) Why underestimating living expenses is one of the most common mistakes retirees make.

(04:32) How disconnects between spending habits and financial reality create tension for couples nearing retirement.

(08:00) Why being transparent with your spouse and advisor can prevent costly financial surprises.

(10:07) The hidden impact of big purchases on long-term financial health.

(13:19) How misleading financial advice on social media fuels risky decisions.

(20:57) Why emotions and investing don’t mix—and how advisors help clients stay objective.

(23:07) The dangers of blindly trusting financial advisors.

(32:21) Why shared responsibility and understanding between spouses are essential for a healthy financial future.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com

Subscribe to the podcast:

Apple Podcasts: https://podcasts.apple.com/us/podcast/id1728281696

Spotify: https://open.spotify.com/show/2iIDj87XpGTlEl9Qiu6wwi

YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us:

Trey C. Peterson: [email protected]

Yelisey Kuts: [email protected]

Phone: (612) 286-0580

Contact us: https://atfwealth.com/contact-us

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He holds a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide range of retirement topics since 2015.

At All Things Financial, our mission is simple—help individuals and families create lasting financial freedom. We take a personalized, strategic approach to every plan, aligning it with your goals, values, and vision for the future. https://atfwealth.com

This episode was produced by Story On Media: https://www.storyon.co/